Read Answers to Questions

Car Dealer Charging Usage Fees

November 19, 2010

Dear Consumer Ed: I purchased a new car and arranged for financing through the dealership. They said I could drive the car home that same day. Now, two weeks later, they say my financing was denied and I need to bring the car back AND pay a fee for the mileage I put on the car. Can they do that?

Mortgage Company Delaying Re-Financing

November 19, 2010

Dear Consumer Ed: Can I do anything to force my mortgage company to complete the refinance we started? I think my mortgage company is trying to avoid closing on the Streamlined VA Refi because they don't make enough money on these types of  loans. They have been delaying for over 3 months. Lost paper work, same VA papers filled out over and over, and excuses for not setting a closing date. Is this legal?

Cancelling vehicle sales contract

November 4, 2010

Dear Consumer Ed: I purchased a vehicle from a used car dealership.  The day after I bought it, the car wouldn’t start.  I immediately contacted the dealer and asked for my money back, but they said the purchase was “as-is”, and the sale was final.  Don’t I have a 3-day right to cancel?

Car dealer didn't disclose damage

November 4, 2010

Dear Consumer Ed: A couple months ago I bought a new car. I recently took it to my mechanic for an oil change, and he asked me if the car had ever been in a wreck.  He said the bumper had been damaged. I called the dealer and discovered that someone had backed in to the car when it was still on the dealer’s lot (before I bought it). Shouldn’t they have disclosed this to me?

Contractor did poor job

November 4, 2010

Dear Consumer Ed: I hired a contractor to do some work on my home. He took forever to do the work. Now, after having paid him in full, I have found a lot of things that he did wrong. I don’t want to deal with him any more. Can I hire someone else to fix the problems and make him pay to have it done?

Credit Card Scam

November 4, 2010

Dear Consumer Ed: I received a call from someone claiming to be from the fraud department of my credit card company.  They already had my name, address, and credit card number, so I assumed the call was legitimate.  They told me my card had been flagged for an unusual purchase pattern and asked me to give them the 3-digit security code on the back of my card to verify that I was in possession of my card. Now I’m questioning whether that caller was actually scamming me.

Difference between credit freeze and fraud alert

November 4, 2010

Dear Consumer Ed: I lost my wallet last week. I have cancelled all of my credit cards and got a new driver’s license, but I am still worried about the possibility of someone stealing my identity.  Someone suggested that I should file a fraud alert or do a credit freeze.  What exactly are they, and which one should I use?

Do debts expire?

November 4, 2010

Dear Consumer Ed: A collection agency sent me a bill for a debt that is 12 years old.  I remember this bill, but since it’s so old, am I obligated to pay it?  Do debts expire?

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