Consumer Protection Law

Consumer Protection Law Questions? Ask a Lawyer Now.

Ask a Lawyer,
Get an Answer ASAP!

Consumer Protection Law
This answer was rated:

I purchased 3 tickets on MetJet and received a letter for 6

free tickets. I used...
I purchased 3 tickets on MetJet and received a letter for 6 free tickets. I used my Visa check card to make this purchase. MetJet announced today that they will close on the 26th forever, so I will not be able to use the tickets in January as planned. I was told by the credit union that issued my Visa check card that they only deal with fraudulant charges. I called them back, and a different person told me that I could submit a claim, but chances were very likely that I was not entitled to any reimbursement. Can you tell me if I have any legal claim to reimbursement?
Show More
Show Less
Ask Your Own Consumer Protection Law Question
Answered in 4 minutes by:
10/16/2013
LegalGems
LegalGems, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 11,534
Experience: Research Attorney; Private Practice; Attorney Mentor; Mediator
Verified

LegalGems :

Hi! LegalGems here. I'll do my best to assist you.I can only provide general information, so a follow up consult with a private lawyer is recommended. If a consumer makes a purchase and the seller is unable to deliver the product/service, then that is considered breach of contract. The damages for a breach of contract are generally the price paid for the goods/services.

LegalGems :

If a seller fails to perform according to the terms of the contract, the consumer can first dispute the issue with the credit card company. Most credit card companies are very proactive in resolving these disputes. In fact, if the seller fails to respond, or cannot provide proof that the transaction occurred, the card company will often reverse the charges.

LegalGems :

Since the company will be shutting down and will not be able to provide the goods/services, that would generally be considered a material breach. A material breach goes to the very heart of the matter, and the goal is to restore the parties to the position they would have been in but for the breach i.e. return money to plaintiff, tickets to defendant.

LegalGems :

If the tickets had an expiration date of the 26th, there would be no actionable claim; however, if there was no expiration, and they were purchased with the intent to use them a few months from now, and there were no such restrictions, typically the seller would be found in breach. Since most credit card companies have a time limit for initiating a dispute, it is best to initiate it immediately; for if this time period lapses (generally 60 days but it depends on the individual card) then the fact that you called in and spoke to a couple of different reps is very hard to prove, so an extension for filing would be unlikely. The other alternative is to sue in small claims; but ideally the credit card company will reverse it.

LegalGems :

Under section 170 of the Fair Credit Billing Act, (an amendment to the Truth in Lending Act), chargebacks are permitted when the seller fails to provide the goods/service, or when the transaction was unauthorized.

Customer:

I am still a bit confused why the Credit Union told me that they can only cover fraudulent claims, and were so adament that this would not be covered.

LegalGems
LegalGems, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 11,534
Experience: Research Attorney; Private Practice; Attorney Mentor; Mediator
Verified
LegalGems and 87 other Consumer Protection Law Specialists are ready to help you
Ask your own question now
I hope you found the information I provided useful.
Future requests can be labeled "TO LEGAL GEMS" followed by your question.

It would be appreciated if you complete the admin's survey - it's like our report card!

Thanks, and take care!

PS- I just saw your post - apparently my reply did not go through. It sounds as if the rep was not familiar with the law- sometimes they are not aware of it; or else they accidently transferred you to the fraud dept, versus the dispute dept, and they are unaware of the various processes.
Ask Your Own Consumer Protection Law Question
Ask LegalGems Your Own Question
LegalGems
LegalGems
LegalGems, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 11,534
11,534 Satisfied Customers
Experience: Research Attorney; Private Practice; Attorney Mentor; Mediator

LegalGems is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

< Previous | Next >

Meet the Experts:

Infolawyer

Infolawyer

Lawyer

6,930 satisfied customers

Licensed attorney helping individuals and businesses.

Ely

Ely

Counselor at Law

3,422 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

Barrister

Barrister

Lawyer

1,607 satisfied customers

Attorney,17 years experience in consumer protection areas

Tina

Tina

Lawyer

1,587 satisfied customers

17 years legal experience including consumer protection law.

P. Simmons

P. Simmons

Lawyer

1,184 satisfied customers

16+ yrs. of legal experience.

LADY LAWYER

LADY LAWYER

Lawyer

748 satisfied customers

Consumer Lawyer

RGMacEsq

RGMacEsq

Lawyer

582 satisfied customers

Licensed Texas General Practice Attorney

< Previous | Next >

Related Consumer Protection Law Questions
I purchased a car from a Ford dealer in Orlando Florida.
I purchased a car from a Ford dealer in Orlando Florida. They called me today saying financing was denied and I have to bring the car in to discuss other options. I signed the Retail contract on 12/19… read more
P. Simmons
P. Simmons
Lawyer
Doctoral Degree
1,184 satisfied customers
I had closed my discover credit card years ago after being
I had closed my discover credit card years ago after being laid off from my job. I wanted to be proactive in case I didn't find a new job soon enough, so I asked if there was anything that could be do… read more
WiseOwl58
WiseOwl58
JD Honors Graduate
3,723 satisfied customers
I bought a car at the dealership and now I realize that I
I bought a car at the dealership and now I realize that I did not receive any money for the car I traded in. They told me that I was going to get $4,000 for my other car. But when I look at my loan th… read more
LegalGems
LegalGems
Lawyer
11,534 satisfied customers
I obtained a student loan for graduate school several years
I obtained a student loan for graduate school several years ago (Stafford Loans, both subsidized and unsubsidized--a total of 4 loans). Since repayment began, I have never made a late or missed paymen… read more
Phillips Esq.
Phillips Esq.
Attorney
Juris Doctor
18,393 satisfied customers
I believe I was a victim of a credit card scam. My bill
I believe I was a victim of a credit card scam. My bill should have only been $30. However, I was repeatedly told that my credit cards were declined, and I was added to provide another one. After work… read more
socrateaser
socrateaser
1,031 satisfied customers
A couple of months back we had noticed a number of online
A couple of months back we had noticed a number of online charges on our AmEx credit card statement that we had not authorized or made totaling about $3000. The majority of these were with a single on… read more
LegalGems
LegalGems
Lawyer
11,534 satisfied customers
I have an interesting conundrum that I'd really like your
Hi there,I have an interesting conundrum that I'd really like your assistance with.I purchased a laptop from Best Buy, in the order of nearly $3000. It was sadly defective. The next day, I returned it… read more
socrateaser
socrateaser
1,031 satisfied customers
I have just signed a home improvement loan to get my house
I have just signed a home improvement loan to get my house re-sided and then had a job walk with the company to iron out all the details. While doing that the company, who just bid the job, started ta… read more
TJ, Esq.
TJ, Esq.
Juris Doctor (JD)
11,265 satisfied customers
I just signed loan papers for a new car. I have changed my
I just signed loan papers for a new car. I have changed my mind and want to pay cash. How long do I have to change my mind.? I signed the papers yesterday around 1:00 PM … read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
What legal grounds do I have, if I am obtaining a mortgage
What legal grounds do I have, if I am obtaining a mortgage and my "good faith" estimate from the mortgage company for closing funds required for the closing is over 33% higher now than what I was orig… read more
Attyadvisor
Attyadvisor
Doctoral Degree
7,180 satisfied customers
We are facing blinding issues between a car dealership and
We are facing blinding issues between a car dealership and the lending bank. We were going to buy a car and finance through the dealership but after taking the papers home and reading over what we sig… read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
6,930 satisfied customers
Is there a time frame for backing out of a refinance deal if
Is there a time frame for backing out of a refinance deal if I signed forms with their notary? Is there any window if I want to reconsider?… read more
Barrister
Barrister
Lawyer
Doctoral Degree
1,607 satisfied customers
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 sign … read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
6,930 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 st… read more
LegalKnowledge
LegalKnowledge
Juris Doctor
28,183 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 slightl… read more
socrateaser
socrateaser
1,031 satisfied customers
My issue is in connection with a VA home loan as a veteran,
My issue is in connection with a VA home loan as a veteran, I already know I been defrauded based on the documents the lender has provided and the VA provided in relation to my loan, my lender is cond… read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 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 no… read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
Dear Atty, I going to file a counter claim against my
Dear Atty , I going to file a counter claim against my mortgage company on my residence on account of they may have an invalid lien on my home because after reading the closing docs they charged me mo… read more
TJ, Esq.
TJ, Esq.
Juris Doctor (JD)
11,265 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x