Browse Questions

Credit Card Balance Transfer Offers

January 2, 2018

Dear Consumer Ed:  I keep receiving 0% balance transfer offers in the mail from credit card companies.  I’m carrying a little extra debt right now. How can I determine if it’s a good idea to transfer my existing credit card debt to the 0% card? 

Misleading free-trial period for mobile app

December 14, 2017

Dear Consumer Ed:  My child has an iPad, which I have set up so that he cannot download apps unless I approve them from my device.  I recently downloaded an app for him that implied there was a free one-year trial period.  After downloading the app, I got an email explaining that while the subscription was for a one-year period, the free trial only lasted 30 days.  I think that is very misleading.  The other issue I have with this offer is that when I signed up it said I could cancel the app before it automatically renewed, but that I would have to do so from my child’s device settings.  It seems reasonable to me that if I can approve the subscription from my device, I should be able to delete it from my device as well.  Are there rules or laws about these issues?

Do I need insurance against damage to my water pipes?

December 1, 2017

Dear Consumer Ed:  I received an insurance solicitation in the mail saying that the water pipes on my property are my responsibility and not the responsibility of the county. The letter contained an offer to purchase insurance on the water pipes in case they ever burst or got damaged. Is it true that I am responsible for that type of damage, and if so, should I buy this insurance?

Repeated problems with brand new apartment

October 24, 2017

Dear Consumer Ed:  I recently moved into a brand new apartment.  Since this apartment complex was newly built, I expected a well-running and well-maintained home.  However, there has been one issue after another, including the HVAC not working properly, an inoperable toilet, a window leak, and a broken lock on the storage unit.  The manager is working on fixing these problems as we go along, but do I have any recourse in this situation?  After all, when I signed the lease, I was led to believe that the apartment was in great shape.  

Is a dealership allowed to sell a new vehicle with an open safety recall?

October 3, 2017

Dear Consumer Ed:  I ordered a new truck six weeks ago, which was just delivered to the dealership. I went to the dealership, filled out all the paperwork and left the finance department with the salesperson and the keys in hand. I was then informed I would not be allowed to take delivery of the vehicle because there was a safety compliance recall. The manufacturer has stated that the parts needed to correct the issue might not be available for another two months. Is the dealership allowed to sell a vehicle with an outstanding safety recall?

Roofer never finished repair work

September 21, 2017

Dear Consumer Ed:  I hired a company to repair my roof after it sustained some damage.  They did some of the work, but never finished the job.  It’s been three weeks now.  I have tried calling them and they won’t return my calls.  What can I do now?

Health club closing, won't let me out of my contract

August 14, 2017

Dear Consumer Ed:  Last month I made an advance payment of $407 for a membership at a health club. I just received an email from the business stating they are closing down the location I joined and offering no refunds. I need to exercise daily as I am recovering from surgery, but I don’t think I should be expected to drive 12 miles to get to the next closest location. I have contacted the health club about this, but they refuse to let me out of my contract.

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