Join the 9 million people who found a smarter way to get Expert help

Recent Truth in Lending questions

If mortgage company gives inflated forebearance/payment

hi......if mortgage company gives inflated forebearance/payment plan.....is that a tila violation.....even if you didnt signJA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: pennsylvaniaJA: Have you contacted the manufacturer?Customer: yesJA: Anything else you want the lawyer to know before I connect you?Customer: no

Read more

Infolawyer

Attorney

Juris Doctor.

42,412 satisfied customers
One of my homes is scheduled for sale by the mortgage co

One of my homes is scheduled for sale by the mortgage co even so we have filed for mortgage assistance for the last year but before filing a bk to stop the sale would filing a lawsuit in court help stop that sale ?The basis of the lawsuit would be fraud because the lender over charged for closing cost , fees and interest versus the closing cost qoute before closing back in 2008Carlos P

Read more

KnowYourRights

Juris Doctor

36,010 satisfied customers
I attempted to buy a very expensive drone from this company

I attempted to buy a very expensive drone from this company about a month ago. I had added it to their online shopping cart. But never actually purchased it that day because I decided to buy a slightly cheaper drone instead a few days later. About 2 weeks later I needed to buy a $20 accessory from their website and somehow I made an unfortunate mistake and checked out with the expensive $3500 drone because I had never deleted it from the cart from 2 weeks back. I reached out to the manufacturer immediately (within minutes) upon realizing I had made this mistake and told them to please cancel this transaction. They told me not worry and they will be able to cancel it. Found out the next morning they wound up shipping it anyway to my house. They then told me to just simply refuse it upon delivery which I did. They told me I would receive a refund once they received the shipments. I realized after about a week however that the shipments were stuck in Georgia for a while per the FedEx tracking code. I called FedEx and they seemed to have lost it (or someone from FedEx I think stole it). I have reached out to the manufacturer about 20 times and they have yet to get back to me and are dragging their feet. FedEx said to me this is really a matter between them and the manufacturer since I did NOT sign for the package and therefore it never came into my possession. If FedEx lost the package which it seems is the case, they told me since a declared value was not specified on the shipment then the most they can get from FedEx from losing the shipment is $100.00. However I feel it is not my fault that the manufacturer was careless in not specifying a value of the shipment. So what I want to know, am I legally entitled to receive my refund since I never signed for the package? It cleary says on the tracking number "refused by recipient" and therefore never signed for. I have already engaged my bank to get my money back and claim this as a fraudulent charge because I am not sure what else to do here. I feel like I did everything I was told. Yes I made the initial mistake but it was an honest mistake. I can see if I waited days to alert them on the mistake but I reached out to them immediately upon realizing what I did and now I am out $3500 for no reason, the manufacturer has my money and FedEx (or someone who stole it) has my drone and I have nothing. Please help!

Read more

39,598 satisfied customers
Please help i need help finding information about truth in

Please help i need help finding information about truth in lending act on mortgages. I rescinded my mortgage loan back in 2011 because i didn' t receive certain material disclosures. The lender did not respond within the twenty days. can you help me locate the law stating what happens if they don't respond within the twenty days, thank you

Read more

Law Educator, Esq.

Attorney At Law

Doctoral Degree

116,668 satisfied customers
I bought a car at a dealership in Miami, Florida called

I bought a car at a dealership in Miami, Florida called Miami Car Credit a month ago on September 11,2016. They told me that I was approved and gave me all the documents regarding the purchase stating that I had to start making the payments on October 10. I provided all the documentation they asked regarding my income and employment. On September 29 I try to make the payment and called the financial institution listed as the Lien Holder, Capital One Auto Finance. This bank told me that they did not have any information about myself or about the car when I provided the VIN number.I immediately called the dealership and they said not to worry, that the bank was still processing that info, that I needed to be patient and give them time, that the bank takes up to 30 days to update the new accounts.In the following days I kept calling the dealership and the bank. The bank kept telling me that I needed to call the dealer and the dealer that I had to call the bank. I kept calling the dealer and the sales manager told me that somebody from financing was going to call me back. They didn't. I kept calling and he said not to worry about that the payments will not start on October 10, that they will call me with the new date and that they will give me another temporary tag.On Friday, October 7, a person from financing called me and told me that I needed to make a deposit in cash from the money I make doing tutoring and that he will be talking to me on Tuesday, October 11. I went and made the deposit.Today afternoon, when he hadn't called yet, I called him. He then asked me for the last bank statement and the proof of the deposit. I said I will bring it to the dealership after work and I reminded him that I needed my tag to which he answer that they will give me another temporary tag.I arrived at the dealership at 4 PM , gave him the statements and asked for the tag. He said OK and told me to wait.While there waiting, the sales manager and a lady from financing came asking me questions about my income and about my bank account. I provided all the information they asked and told them that they already had it.After being there for more than two hours, the sales manager came and asked me to give information about my children income. When I said NO, he then told me that they were going to take the car back.The sales agent who sold me the car came and asked me for the keys. I told him that I was going home and they could pick up the car from there.I have the purchase agreement that says that they sold me the car and I am trying to make the payments as the agreement says.I don't know what to do next.Do they have the right to take the car back when I am trying to pay?Is this legal?What should I do?

Read more

Barrister

Attorney/Landlord/Realtor

Doctoral Degree

53,282 satisfied customers
I own an apartment building. My tenant moved out of a unit

I own an apartment building. My tenant moved out of a unit on April 20, 2016. I had forgotten to contact DWP to put the service for the unit in my name. I contacted LA DWP a couple of weeks ago and wanted to start electric service on the unit as of April 20th. They want me to pay 2300.00 because he failed to pay his electric bills before turning it over to me. (This is an accumulation of nearly two years.) I have a rental agreement that states he is responsible for utility bills except for water. I have receipts for rent that I have recorded.I went ahead and paid the bill with my credit card. The account was in his name. I started service in my name as of today. Can I stop payment on the credit card transaction. Would they turn the power off?

Read more

39,598 satisfied customers
I recently purchased a timeshare with Diamond Resorts

I recently purchased a timeshare with Diamond Resorts International. I am having issues with my contract. I found out that they sold me 2 loans instead of one. They told me that the most recent loan would replace the initial one.JA: Have you thoroughly reviewed the contract?Customer: Yes. Unfortunately, the contract says that I had to cancel within 5 days.JA: Have you talked to a lawyer yet?Customer: No. Not sure if anything can be done.JA: Anything else you think the lawyer should know?Customer: We'll pay it off because I don't want my credit to suffer. I plan to file complaints with whoever will listen. Any suggestions?JA: OK. Got it. I'm sending you to a secure page on JustAnswer so you can place the $5 fully-refundable deposit now. While you're filling out that form, I'll tell the Consumer Protection Lawyer about your situation and then connect you two.

Read more

LegalGems

Juris Doctorate

18,146 satisfied customers
I have a similar question. I am not concerned about getting

I have a similar question. I am not concerned about getting my deposit back; but I am concerned about being forced to purchase the vehicle.I signed a CT "Retail Purchase Order for Motor Vehicle" for a car that was 'in transit.' And has only now become available for delivery. Since the original signing, I have had the opportunity to look at other vehicles and am having second thoughts. Am I obligated to continue with the purchase of this vehicle?A few facts:(1) the purchase order at the bottom says "THIS ORDER IS NOT BINDING UNTIL SIGNED AND ACCEPTED BY DEALER." It was never signed by the dealer. The copy in my possession only has my signature. Wouldn't this mean that nothing is binding yet?(2) the back of the order has item 11: "if you agree to assist me in obtaining financing for any part of the purchase price, this order shall not be binding upon you or me until all of the credit terms are presented to me in accordance with regulation "z" (truth in lending) and are accepted by me. If I do not accept the terms when presented, I may cancel this order and my deposit will be refunded." Financing was a part of the deal, yet I have neither seen or signed any term details, etc.(3) the trade in to be used was declared up front to be someone else's car that the would relinquish either in person or via notarized proxy. Couldn't they just refuse to do so and that get me out??

Read more

CalAttorney2

Attorney

Doctoral Degree

20,486 satisfied customers
I purchased a new vehicle yesterday. I was told that the APR

I purchased a new vehicle yesterday. I was told that the APR I would be paying was because of the discount I was receiving on the vehicle. The financing is through Chase and is at 3.9%. Chase's published auto loan rates are at 2%. Is this legal? I was an auto dealer at one time and if I remember correctly, this is in violation of Truth in Lending (reg Z)

Read more

Infolawyer

Attorney

Juris Doctor.

42,412 satisfied customers
View more consumer protection law questions
In The News