Ready packages

Q: Is my bank responsible for unauthorized charges and withdrawals, or only the person who stole my information?
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A: Your bank may be required to protect you and reimburse charges or withdrawals from your account if you act quickly to notify them. Under the Electronic Fund Transfer Act (EFTA), the amount of your reimbursement depends on how quickly you report the unauthorized transfer. If you wait too long, you may receive less money back. For unauthorized credit card charges, the Fair Credit Billing Act (FCBA) and the Truth in Lending Act (TILA) provide protections if you dispute the charges promptly.

Q: What should I do if I receive credit card statements for a card I never applied for?
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A: If you are receiving credit card statements for a card you never applied for, you may be a victim of identity theft. Under the Fair Credit Billing Act (FCBA), you are protected even though you never requested the account. You should dispute the charges in writing within 60 days of the statement date that included the unauthorized charge.

Q: My customer tried on the running shoes he ordered, but then used his right of withdrawal to send them back. What can I do?
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A: If a customer uses their right of withdrawal after trying on the product, you may still be obligated to accept the return, depending on the condition of the product and the specific terms of your return policy. However, if the product is returned in a used condition, you may be entitled to deduct the value of the use from the refund.

Q: I was approved for a loan, but the company received the money directly. I never received the procedure and canceled in time. Can I fight this?
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A: If you canceled the procedure in time and the loan company paid the doctor directly, you should inform the loan company of the cancellation. If the doctor accepted the payment despite the cancellation, you may not be responsible for the loan payments. It is advisable to contact an attorney to discuss your specific situation and explore your options for disputing the loan.

Q: I have been served in small claims court for alleged purchases made with my stolen ID. What should I do?
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A: If someone used your stolen ID to make purchases, you should gather any evidence that supports your claim of identity theft, such as a police report or documentation of the theft. Present this evidence in small claims court to defend yourself against the allegations. Consulting with an attorney can also help you navigate the legal process and strengthen your case.

Q: What are my rights if a product I purchased is faulty?
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A: If a product you purchased is faulty, you generally have the right to a repair, replacement, or refund under consumer protection laws. The specific remedy may depend on the nature of the fault and the terms of the warranty or return policy. It is important to contact the seller and document any issues with the product as soon as they are discovered.