California Consumer Legal Questions

After that period of time Chase would have turned the funds over to the State of California Controller's Office (assuming you were a California resident at the time).  Have you looked on this website:  https://ucpi.sco.ca.gov/UCP/Default.aspx I don't know what +ve  or -ve mean, but that is what you wrote.  Get copies of your Chase bank records, you should  be able to get at least 2 years. Most likely Chase thinks there is something fishy going on due to the fact you kept calling but never took the money out, which you could have done electronically from the other country.  ... Read More

There is no way to answer this question without disclosure of the "lie" that supposedly incited a "mob mentality."  You should also state where and when this occurred and origin and destination of the flight.  That could affect which law applies.  Finally, you need to describe the name calling that traumatized you.... Read More

It sounds like you signed up for "auto-pay" so that your credit card bill would be paid each month from your checking account.  That would nt be done without some sort of written confirmation so check with your bank to see what document was submitted to the Bank from the credit card company.  Also check your emails as likely Chase emailed you to set this up. If there is an unauthorized debit from your checking account you can dispute that with your bank as well.... Read More

My office has currently filed a number of lawsuits against payday lenders.  I believe SCS is one of them.  However, these companies are essentially judgment proof (no way to collect money from them as their foreign address is basically a PO Box) so we have gone after American companies that assist them.  This would include the banks and payday loan referral services.  There is a very good chance we can assist you so I suggest you contact me at Lakeshore Law Center www.lakeshorelaw.org.... Read More

If you submitted the cancellation notice in compliance with your Gym Membership contract, then you should send a letter to the collection agency and the Gym with your "evidence" and a demand they cease this collection effort. Also check your credit report to see if any adverse information is on it.  If there is, then you will need a lawyer to sue under the California Consumer Credit Reporting Agencies Act.  You are welcomed to contact me at Lakeshore Law Center www.lakeshorelaw.org.... Read More

Yes it sounds like you do have grounds.  Morever, if this is the first time your has been repossessed the lender is required by law to let you reinstate the contract by paying the current balance, late fees and repossession fees, etc.  You are NOT required to pay the entire remaining balance on the loan. You can then obtain reimbursement of those extra fees from your credit union. Since this seems like a rather easy legal problem to resolve, my concern is I am missing some important detail such as that somehow the stop payment was your fault.  So I would need to see the loan agreement, payment history and relevant correspondence concerning the Credit Union's error (you should have something in writing from them).  You are welcomed to contact me or send documents to Lakeshore Law Center www.lakeshorelaw.org... Read More

There are TONS of laws and cases on the books governing the actions of collectors.  Even absent damage, your friend just might have enough to get them off of her back.  I suggest that she contact a consumer plaintiff's attorney in her area. There is no shortage of attorneys who do this.  I can attest to that as our firm used to represent collectors!... Read More

This is a matter of contract law. Still, since this is a renwal and not a termination, there likely is not a window of time that would prohibit your cancellation.  Put it in writing and demand a refund before the service is to begin. You do not mention why you wish to terminate, but if it's a service issue, then maybe your termination will prompt their improvement in service if the contract does not allow you to cancel the renewal at this point. Another protection would be if you charged the service on your credit card. You could dispute it if they do not allow the cancellation, but, again, it's a matter of contract.... Read More

It sounds you already did the right thing by asking for a forbearance. I'm not sure if you discussed a modification, but that is another option. If you do not pay, then they can sue you, obtain a judgment and attempt to collect it. As I often say on this site, "You can't get blood from a turnip!" Thus, even if they sue you and your parents, and if they win a judgment (which is likely), they still need to collect it. They could do so by attaching the judgment to any property you and your parents now own or own in the future. They could also garnish wages and bank accounts to recover.  I suggest that you find any kind of job to make ends meet and continue to work with Wells Fargo to see if you can get a modification to make a more manageable payment even though it will mean you pay more interest at the end of the day. Best of luck in working this out.... Read More