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Recent Consumer Protection questions

I have an inquiry regarding a vehicle repair. I recently

I have an inquiry regarding a vehicle repair. I recently purchased a used 2012 Jaguar XKR. I purchased an exclusionary warranty with it as well. 2 months after purchasing the vehicle the battery died. I at that time discovered the emergency key that is inside the remote and used to unlock the door when there is no power, was not cut. I hired a locksmith to open the vehicle in which they simply used an airbag to gap the window and pull the door handle from inside.After installing a new battery the alarm then goes off and the vehicle failed to recognize my key. I had the vehicle towed to the dealership who stated it would be $150.00 to diagnose. They then later said they would have to follow a procedure to get the computer unlocked and it would cost $600.00, but it doesn't always work and they may have to replace parts. The process didn't work and I was told they had to replace a couple parts (junction box and instrument cluster) and get two new key and reprogram everything. This would cost and additional $4500.00 The vehicle has both a CPO warranty and the 3rd party warranty I purchased along with it. The dealer informed me that they didn't think the warranty would cover the parts, because the car is designed to lock up parts indefinately. They then said it was my fault because of the way I entered the car in order to change the battery. I was told I should have paid the $300+ for an emergency key and waited the 3 to 4 weeks for it to be shipped from UK. Needless to say they contacted the warranty company gave them the same explanation and then called and let me know it's not covered. (The required parts are not listed in the exclusions so I would feel should be covered)I have read the manual from front to back and there is no where it warns to not open the vehicle the way I did. It does mention that if the car is armed and the emergency key is used, the alarm will still go off and you have to use the remote to disarm it. I have asked them to provide me in writing that the car is designed to "kill itself" in the event the alarm is triggered. They have yet to provide. In my own due diligence, I found a quote from a jaguar shop manual that reads as if the issue is a malfunction.I'm still having a hard time believing this car is designed to do this because it doesn't make sense, however if there is nothing to inform a consumer that using a locksmith or opening the car without a key (just like you would any other car that the key was lost or locked in it) would result in 5k worth of repair to the vehicle is there any recourse on my end. Especially if they are telling this to the warranty company as well resulting in non coverage.JA: Because consumer protection law varies from place to place, can you tell me what state this is in?Customer: TexasJA: Have you contacted the manufacturer?Customer: I have and am waiting on a response. Should hear from them tomorrow.JA: Anything else you want the lawyer to know before I connect you?Customer: No

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Asad Rahman

Attorney

J.D.

3,196 satisfied customers
My son got a car financed through a dealership that told him

My son got a car financed through a dealership that told him his credit was so bad his interest rate would be 30% but they never showed him his credit report. He just found out his credit score is 618. Is he still legally bound by the contract he signed?

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Brandon M.

Attorney at Law

Juris Doctorate

7,900 satisfied customers
My CPA wanted me to contact an attorney about a loan/sale

My CPA wanted me to contact an attorney about a loan/sale that I have agreed to. She believes it is a scam. I took out $9,000 and am paying back at $1,109 a month for a total of $60,000 in 5 years. She says it is usuary. what do you thinkJA: Because consumer protection law varies from place to place, can you tell me what state this is in?Customer: OhioJA: Has anything been filed or reported?Customer: no not yet. You are the first person I have contacted.JA: Thank you.Customer: I can send you the pdfJA: Anything else you want the lawyer to know before I connect you?Customer: Would it be best to send you the pdf. What is the charge for this?

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Ray

Lawyer

Doctoral Degree

35,888 satisfied customers
I purchaseda project bike from rancho cycle and chevy for

Hi I purchaseda project bike from rancho cycle and chevy for 1500.00 I was told by the salesman Troy that all the bike needed was a oil pan and some minor cosemetics (ie) fairing kit. Upon taking it to the motorcycle shop that I reffered to by troy I was notified that the bike should not have been sold to me but parted out due to it being a safety hazard. The frame is cracked and there is bolts form a motor vehicle on the bike it is un operatable. I asked the alses man and the office manager whom when brought to his attention said he was not the office manager. I asked how to rectify this isue from my hard earned money and I was told that it was abuiler bike and that he will sell me a frame for $700 more dollars and I said no that is not the case the bike is no good you sold me a un operatable motorcycle. The manager Nick then said I can give you a frame that still does not do any good. I asked for full refund of $1500.00 to put towards a good running motorcycle not even asking for the $ I put into it. I asked what was the corporation info and the office manager said to send it there and they will forward it! also I asked about their liability insurance carrier he then walked away. what do I do just be out of $1600. dollarsJA: What state is this in? And just to clarify, when was the purchase made?Customer: California, I purchased the bike in mid june.JA: Has anything been filed or reported?Customer: no not yet . what do I need to doJA: Anything else you want the lawyer to know before I connect you?Customer: no

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Gerald, Esq

Juris Doctor

5,312 satisfied customers
My Mom is being brought up on fraud charges from her time

Hi My Mom is being brought up on fraud charges from her long time desceased boyfriend daughter that never spoke to him for years. This started June of 2015 We just now got the court date and the discovery from the prosecuter and all the statement she made are false. She said my mother was stealing her fathers drugs and alot of other things like that. Is there anything we can do about these false statements?JA: Because consumer protection law varies from place to place, can you tell me what state this is in?Customer: New JerseyJA: Has anything been filed or reported?Customer: Yes on the police reports are also lies and all over the discoveryJA: Anything else you want the lawyer to know before I connect you?Customer: no

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LegalKnowledge

Juris Doctor

30,506 satisfied customers
I have been scammed by a company (frontrange web weavers)

I have been scammed by a company (frontrange web weavers) who said they were affiliated with Amazon. They put $5,000 on my Barclay account. I have been sending Barclay all kinds of information telling them and showing them I was scammed. Also, the WV Attorney General sent them a letter and within 3 days they replied the answer was no, just keep contacting the merchant. Well, the merchange (frontrange) has disconnected all their phone numbers, etc. I cannot pay this $5000.JA: Because consumer protection law varies from place to place, can you tell me what state this is in?Customer: WVJA: Has anything been filed or reported?Customer: ?JA: What confuses you?Customer: Filed or reported? I reported it to WV Attorney General and they could not reach Front Range no get any positive answers from Barclay. Barclay is not turning it over to the credit bureas and they are reducing my credit score.JA: Anything else you want the lawyer to know before I connect you?Customer: Barclay says I signed a paper, but it was not my actual signiture, it was electronic.

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Chris T., JD

Lawyer

Doctoral Degree

7,460 satisfied customers
I financed a car in 2005 for 60 payments...for 5

I financed a car in 2005 for 60 payments...for 5 years...when i made my last payment in 2010...the creditor called me and said I have to pay for a few more months...I asked why...they said my i surface wasn't option 1 for a few months during the loan...I told them I know..but you raised my payment 100 dollars for each month during that time unail my insurance was corrected...now I have a bad mark on my credit report...because i refused to pay....what can I do?? Is what they did legal?

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Irwin Law

Juris Doctor JD

8,840 satisfied customers
I received a letter from Trident Asset Management, L.L.C.,

I received a letter from Trident Asset Management, L.L.C., based in Atlanta, GA, claiming that I owed $630 from a check that I had supposedly written out to a casino in Wetumpka, AL, to withdraw cash on December 2, 2011.I only received any information about this alleged debt from 2011 in August after I answered a call from them, after a month of them calling, thinking they had my number on a call list and I wished for them to remove it.After receiving the letter, which only stated the amount I owed and who the previous and current debt owners were, I filed a complaint with the BBB of Atlanta and sent Trident a certified letter through mail disputing the claim and expressly requesting a copy of the original check so I could verify its authenticity.They responded to the letter again telling me how I could make payments and that I had 30 days to dispute the claim, with a letter showing the amount I owed and the debt owners. They did not include a copy of the original check for me to verify.I have written to them with a certified letter, again stressing that I disputed the claim and demanded a copy of the original check.I also wrote to the Alabama Attorney General about this issue.Since I was never notified of this alleged debt until last month and they have yet to produce a copy of the original check, do I have any legal standing against them? Would I have to pay the debt they claim I owe?

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Attorney2

Doctoral Degree

7,172 satisfied customers
Thanks, i currently filing bankruptcy but I have not filed

Thanks, ***** ***** filing bankruptcy but I have not filed in the courts. I have a payday loan company that I was unable to pay back. I told them of my bankruptcy and they continue to request payment. can they do this?JA: What state are you in? And has anything been officially filed?Customer: california and no they have notJA: Has anything been filed or reported?Customer: noJA: Anything else you want the lawyer to know before I connect you?Customer: i just don't have funds due to illness...they want payment today

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Irwin Law

Juris Doctor JD

8,840 satisfied customers
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