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TLPJ Files National Credit Cardholder
Class Action Against Chevy Chase Bank
Trial Lawyers for Public Justice (TLPJ)
has filed a national class action lawsuit against Chevy Chase Bank
charging that the bank breached its contracts with cardholders by
raising their interest rates in excess of a promised 24 percent
ceiling. After years of promising in its agreement that "your
annual percentage rate will never exceed 24 percent," the bank
tried to amend the agreement without the legally required notice --
and then began charging up to 27 percent.
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Payday Loans = Costly Cash
"I just need enough cash to
tide me over until payday."
"GET CASH UNTIL PAYDAY! . . .
$100 OR MORE . . . FAST."
The ads are on the radio, television,
the Internet, even in the mail. They refer to payday loans - which
come at a very high price.
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Stonewalled:
They Refused to Honor the Warranty
Dear
Craig:
I purchased a new Mazda Protege.
Around 32K I noticed a knocking sound in the front axle/wheel base
when making right turns. I took the car to the dealership on 5
occasions but the problem was not remedied. An independent Mazda
mechanic said that the factory had built a faulty front axle and
that Mazda should replace it under the 50K warranty. My trip to the
mechanics took me over the 50K mileage. I went back to the
dealership (two more occasions) but got stonewalled; they refused to
honor the warranty... |
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Home
Equity Scams Quiz
While many subprime lenders
are reputable, some unscrupulous subprime lenders make costly
home-secured loans to consumers who are unable to repay them,
subjecting such consumers to refinancing with additional high or
unfair fees and charges and possible loss of their homes through
foreclosure or forcing an undesired sale. Take the quiz to test your
knowledge of Home-Equity Scams. |
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Messed Up Car Lease
Dear DebtSmart,
I have a 2000 Ford Windstar van. I currently owe $20,150.00. My payments are $449 a month. At the
time I took on these payments I could handle it, but now I cannot. I
have tried to trade the van in on a cheaper vehicle, like a 10,000
or 11,000 vehicle. But the car dealers always come back telling me
they can't do it unless I could put 3 or 4 thousand down. I already
put 5 thousand down when I bought it! And now they want 3 or 4 more!
NO WAY. Any
suggestions?
--Messed up in Texas |
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Credit
Repair and Reporting Quiz
Credit Repair Scams abound today. Every
time you turn on the TV or read a newspaper it seems that someone is
promising to improve your credit rating. Take this quiz to improve
your awareness of credit repair scams, and don't get ripped off. |
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Giving
Up Your Rights--Without Knowing It!
If you have a
Capital One credit card,
then I highly recommend you read this entire article!
I just received a letter from Capital
One informing me that "enclosed is an important legal notice
regarding arbitration" and I need to "read the entire
notice to fully understand its implications" to my account. |
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and I love it!!! I learned so much.
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