Victim of Consumer Fraud – Gateway Lawyers – St. Louis

Have you been a victim of Consumer Fraud? If so call one of our experienced attorneys at Growe Eisen Karlen also known as Gateway lawyers.

Consumer Protection and You:

The Missouri Merchandising Practices Act is a powerful and useful tool for people who have been the victims of consumer fraud. We can help you work within the laws to ensure a proper settlement for your fraud case.

We offer a broad scope of representation for clients who have been victimized by consumer fraud, including handling disputes related to warranties, predatory lending, false advertising, hidden fees, fraudulent closing costs, and bait-and-switch.

Missouri laws are drafted in favor of the consumer. If you have been defrauded by a company, you don’t have to take it.

Some examples of Consumer Fraud are:

Breach of Warranty
Predatory Lending
False Advertising
Hidden Fees
Fraudulent Closing Costs
Bait-and-Switch

You can contact us by calling us at: 314-725-1912
Or visit our website at: http://gatewaylawyers.com
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Suntrust Bank Consumer Fraud, Don’t Sun Trust 400+ Complaints Pt.1

Suntrust Bank customer Fraud, never Sun Trust 400+ issues Pt.1

SunTrust Bank customer fraudulence, don’t Sun Trust http://www.PaulFDavis.com @PamBondi 400+ grievances http://bit.ly/11eaXw9 – http://bit.ly/118gAzv – http://bit.ly/13zPRKo (info@PaulFDavis.com) www.Linkedin.com/in/worldproperties www.Facebook.com/speakers4inspiration www.Twitter.com/PaulFDavis suntrust bank consumer fraudulence, cannot sun trust federal book
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What is consumer fraud? (ICPC)

At Investigation Counsel Computer our company is acquainted with investigating and litigating numerous types of customer fraud. But what does it actually indicate? This cartoon describes these frauds and just what victims should be aware of.

A collaboration between Canadian Fraud News Inc. and research Counsel Computer:
www.investigationcounsel.com
www.canadianfraudnews.com

Thanks for seeing!

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416 637 3150
416 637 3445
admin@investigationcounsel.com
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Anatomy of Vehicle Lease Fraud

I am hoping the economic downturn is not beating you up too badly. Demonstrably it really is using its toll on several areas of economy, one of which is car dealers.

I would hope that vehicle dealers will battle their particular solution associated with downturn with ethical and honest product sales and solution, and undoubtedly some might. However, there will be those that will likely not, and will change as an alternative along the dark course of deceiving consumers. To avoid against these dealers and these deceptions, you can expect the advice and insight as found on my blog as well as in a number of articles i’ve written for several journals.

One part of vehicle dealership fraud that people continue to see quite a bit of involves fraudulence in-car leases. Even with the market meltdown, dealers are nevertheless capable request funding for car leases, and automobile leases are frequently more expensive for customers, while they appear as less costly on the surface.

The classic rent fraud could be the “bait and switch,” in which a consumer visits a dealer purchasing a car and feels he’s buying a car, but is alternatively switched into a lease. Often dealers will inform people who they have to join a lease “for a few days” to let rates of interest come down, or some other malarky, and vow to improve the deal to a purchase deal “in a few weeks.” Once the consumer comes back “in a few weeks,” the salesperson which negotiated the rent with him is no place can be found no one at the dealer has actually any fascination with altering the consumer in to the promised purchase exchange.

There are many reasons why dealers would like to place you into a lease rather than a purchase. For starters, dealers usually get bigger incentive incentives through the leasing organizations to place customers into a lease, so dealers usually make more money from lenders on leases. Exact same utilizing the makers: based the proceedings with car stock, makers will often provide dealers rewards to put customers into leases in place of purchases. Eventually, rent contracts tend to be complicated, allowing dealers to put more curveballs into the rent which cause higher concealed fees and repayments because of the consumer.

Currently, as of today, GM product sales tend to be down by over 40% and Ford sales tend to be down by over 30per cent. I do maybe not know the present condition of Chrysler product sales, but it is probably similar. GM and Ford come in a posture in which they, and their particular dealers, is going to do just about anything to go cars off the good deal. As mentioned above, there are truthfully quite a few dealers who will respond to the existing pressures with truthful ways and means of marketing automobile product sales, but there are those who will react dishonestly.

I really do have several recommendations if you are concerned about becoming switched into a vehicle rent, or if you tend to be confused as to whether you will be paying even more for a lease compared to a purchase. Here are some guidelines and tips:

1. Keep in mind that, with a lease, you are not purchasing the vehicle. You are borrowing it, or renting it, for a longer period of time, and a lease bargain actually has actually much in common with renting an automobile. You can find often concealed charges at lease end that make a seemingly less-expensive rent really run you more. You will find hidden fees for excess mileage and deterioration into automobile. If you know you drive 25,000 kilometers a year, then your lease should reflect which you drive 25,000 kilometers per year. In the event that you lease a vehicle with a lease allowance of 15,000 miles annually, you’d be punished severely at lease end the extra 10,000 miles annually.

2. It could be virtually impossible to explain the ways that a lease could be more high priced than a purchase. Most importantly, you’re buying nothing apart from the use of the car for a period of time within specific mileage limitations, absolutely nothing more. You’re not buying any ownership desire for the automobile. Immediately, a lease is generally higher priced as you have no trade-in at lease end. Many ındividuals are puzzled since they think they may be able trade-in a lease at rent end and receive credit, just as if they possessed the car. This is not real.

3. At lease end, when you have any outstanding obligation regarding rent (mileage penalty, condition penalty, unpaid lease payments), they’re usually rolled to your next car acquisition or lease. Watch your agreement very carefully to ensure that you obtain a good bargain in your next purchase or lease.

4. I would suggest to all the of my consumers which they not sign everything on the spot at the dealership. Take the lease or buy contract home and digest it instantly. Discuss it with a buddy or a spouse. Discuss it more than once. If customers took this task alone and nothing much more, they’d likely stay away from most of the fraud and monkey business at dealers simply because they wouldn’t be signing papers in a pressurized circumstance, after having already been worn out by hours within dealership.

If you, or friends and family, have additional concerns on leases and the possibility lease frauds, please do not think twice to e mail us. And, if you have been cheated on a lease, please consider us for your solicitors to eliminate the problem.

Robert F. Brennan, Esq. is a key with Brennan, Wiener & Associates, an AV-rated attorney in Los Angeles Crescenta, CA.  His firm focuses on customer protection litigation, including lemon legislation, automobile dealer fraud and customer class activities.  He can be reached through their internet site:http://socallemonlaw.com

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CONSUMER FRAUD

CONSUMER FRAUD

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FICO® Consumer Fraud Control

Chapter 7: Consumer Fraudulence Bookkeeping (2601364). 2nd Semester/2012. Professors of Business and also Accountancy. Chulalongkorn College.< object type="application/x-shockwave-flash" design="width:425 px; height:355 px;" data ="// www.youtube.com/v/etLYmkcjXgY?color2=FBE9EC&version=3&modestbranding=1" >< param name="flick" value ="// www.youtube.com/v/etLYmkcjXgY?color2=FBE9EC&version=3&modestbranding=1"/ >< img alt="FICO ® Customer Fraud Control" src="http://credit-reports-free.net/wp-content/uploads/2017/02/default-5.jpg"/ > FICO ® Consumer Fraudulence Control encourages customers to proactively check account and also card activity, control as well as limit when, where and also just how their card is being used, as well as instantaneously stop card feature in case of thought fraud or loss.

http://www.fico.com/en/products/fico-consumer-fraud-control.
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Combating Consumer Fraud

In this week’s message, Attorney General Eric Holder described the Justice Department’s work to protect consumers from scam artists by investigating financial institutions and third party processors that assist in, or willfully ignore, fraudulent behavior. In the days ahead, the Justice Department will keep moving forward – guided by the facts and the law – to eliminate fraud targeting consumers while mitigating any impact on institutions not under investigation. Ultimately, the goal of these investigations is to protect consumers from scam artists and collaborating institutions-and to safeguard honest, hardworking Americans from those who put their financial security in peril.
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The Smart Consumer’s Guide to Buying a Used Car

The new millennium has thus far been a decade of rampant consumer fraud. Shrewd companies and salespersons cook up new way to rip off the public on a daily, if not an hourly basis. Concealed collision damage, rolled-back odometers, “laundered lemon” cars, where the manufacturer has repurchased the vehicle under lemon laws and then neglected to disclose the car’s history to the next buyer, used cars sold as new – these are just a few areas where dealerships and manufacturers are frequently committing fraud against consumers. My firm, by the way, specializes in representing consumers who have purchased “lemon” vehicle or who have been the victims of car dealer fraud.

This short piece is designed to assist you in buying a used car, providing you with the proper tools to protect yourself from being ripped off on your next purchase. PLEASE PRINT THIS ARTICLE OFF AND CARRY IT WITH YOU WHEN YOU GO OUT TO PURCHASE YOUR NEXT USED CAR. SHOW IT TO THE USED CAR SALES-PERSON IF HE OR SHE BALKS AT PROVIDING YOU WITH ANY OF THE REQUIRED INFORMATION. I just purchased a used car with excellent results, and I am not an expert mechanic; rather, I’m just a shrewd consumer, which is an outgrowth of the fact that I’m a shrewd and effective consumer lawyer. The following tips, if followed, are much more likely to result in a satisfactory used car purchase.

BRENNAN’S EIGHT-POINT CHECKLIST OF REQUIREMENTS IN BUYING A USED CAR AND AVOIDING BECOMING THE VICTIM OF A FRAUD

1) Always insist on a warranty. “As-is” can easily be translated into legal jargon as, “You’re stuck, sucker.” Even a 30- or 10-day warranty is better than just “as-is”.

2) Insist that the dealer print on the warranty, in bold letters, “THIS CAR HAS BEEN INSPECTED FOR COLLISION DAMAGE AND COLLISION REPAIRS AND HAS BEEN FOUND TO BE FREE OF COLLISION DAMAGE OR REPAIRS.” This then becomes a part of the warranty.

3) Insist that the dealer prints on the warranty, in bold letters, “THIS CAR HAS NOT BEEN RETURNED TO A DEALER OR MANUFACTURER BECAUSE OF LEMON LAW DEFECTS OR COMPLAINTS.” If the dealer can run a warranty service print-out, insist that they do so and attach it to the warranty itself, with an additional message printed on the warranty: “THE ATTACHED WARRANTY SERVICE HISTORY REPRESENTS THE COMPLETE WARRANTY HISTORY FOR THIS CAR, ACCORDING TO ALL MANUFACTURER’S RECORDS.”

4) You will receive an odometer disclosure statement as part of the vehicle purchase. If there is any inscription on it such as “TMU” (stands for “true miles unknown”), watch out: this car’s odometer has probably been tampered with.

5) Insist upon a test drive of at least 10 miles. Insist on driving the car in varying road conditions: city streets, highway, straight and curvy roads both. Really shrewd consumers arrange to have a friendly professional mechanic, not affiliated with the selling dealership, to accompany them for the ride. Paying a friendly mechanic $ 50.00 to do the test-drive can spare you a lot of heartache later on.

6) Before you buy, have the car inspected by a non-dealer-affiliated professional mechanic. The friendly professional mechanic who accompanied you on the test drive should do just fine for this. Have the car thoroughly looked over, as you will probably be depending on the vehicle, especially for its safety and dependability, for the next several years. Later on, anything beyond routine maintenance expenses will prove galling, so know what you are getting into up front.

7) Do research. You may like the looks of the car, but it pays to check out the vehicle’s service record with Consumer Reports or on the Internet. See the National Highway Traffic Safety Administration site (search under “NHTSA”) for warranty, defect and repair information about any car you are considering buying.

8) Although they are controversial, I recommend buying an extended warranty, particularly if you intend on keeping the vehicle for a long time.

That’s the checklist, which should provide joy rather than grief in most cases. It’s your insurance policy, so print it out and carry it with you when you next make a used-car purchase. Check off each number as you complete that step of the list; then you’ll stand a much better chance of not becoming the victim of a fraud in a used car sale.

I will now explain some issues concerning the documentation normally accompanying a used-car sales transaction, including points to keep your eyes peeled for and some definite red flags that signal you not to buy that car.

All dealerships try to put off the documentation step for the end. Whenever I buy a used car, I insist that the documentation step be done first. In short, after I’ve become interested in a car, I want to see the documentation then and there, before I begin discussing sales terms. All dealers have “dealer jackets” containing all documents for each separate car on the lot. Review these papers first, and only then go for a test-drive and mechanical inspection.

At the time of the sales close, you can expect that the salesperson or a clerk will present you with a stack of fine-print documents which would take a week to read. No one – not even an experienced lawyer – can read all of those documents in a short time. However, you must at least glance at these documents, and keep an eye out for the following pertinent information:

The “Odometer Disclosure Statement”

This is a document required by federal law to accompany all sales of used cars. Read it, and make sure the dealership signs it, for by doing so the dealership is certifying that the actual miles on the car are accurately reflected on the odometer. If the “Odometer Disclosure Statement” has an entry such as “TMU” (which stands for “True Miles Unknown”), or “Actual Miles Unknown”, or any such entry, don’t buy the car! In all likelihood, the vehicle has more miles on it than what is actually showing on the odometer.

The “BUYER’S GUIDE”

The “Buyer’s Guide” is the window sticker on a used car which shows whether the car comes with a warranty. My firm suggestion to all used car buyers: only buy cars with warranties. Do not buy cars “as-is.” The salesperson will frequently tell you that some little old lady only drove the car to and from church, and that dealership knows the service history of the car because that’s where it was serviced, etc., etc.–it’s all a pile of prairie pickles. If you buy a car “as-is”, expect to be ripped off. Expect problems with the car. When a dealership sells a car “as-is, it is telling you clearly that it wants no further responsibility for the vehicle as soon as you drive it off the lot. And if the dealership doesn’t want any responsibility for the car, what does that tell you about the vehicle?

The moral of the story: buy cars with warranties, even if the warranty is for only 30 days. Warranties give you rights in case the car was sold to you fraudulently or it turns out to be a lemon. When you buy a car “as-is”, that may be the end of the line for you as far as pursuing any fraud or lemon-law claim.

The ‘Warranty History”

You have to request this, and you should request it. Many dealerships have access to the warranty history of the cars they sell, and particularly in the case of new car dealerships for the same make of vehicles. For example, if you are buying a used Chevy from an authorized Chevy dealership which services and sells new Chevys, then that dealership has computerized access to the warranty history of the car. This means that you can learn of any repairs done to that vehicle while it was under its original warranty. You can quickly learn if the car was a lemon by its warranty history.

If you don’t understand the “warranty history”, have some knowledgeable explain it to you. Make sure you understand it before you buy the car.

And, insist that the “warranty history” be attached to the warranty itself, with a representation that it represents the complete warranty history for that car. This then gives the consumer additional legal rights if it turns out the vehicle was sold fraudulently or it is a lemon.

“DISCLOSURE NOTICES”

If you are given anything called a “Disclosure Notice”, or the like, BEWARE!!! Read over all the documents to ensure that you are not being sold a recycled, or “laundered”, lemon. Anything called a “Disclosure Notice” which discusses the mechanical condition of the car is a red flag to back out of the deal and leave the dealership. You do not want to buy a “laundered lemon” – it will likely cost you more trouble than you ever imagined possible. In short, don’t buy a car if there’s any indication that it’s a “laundered lemon.”

The above, then, are the basic documents you must keep your eyes peeled for. In fact, for your own protection you must demand to see them. The dealership may not have the “warranty history”, but it should have all the others.

Robert F. Brennan, Esq. is a principal with Brennan, Wiener & Associates, an AV-rated law firm in La Crescenta, CA.  His firm specializes in consumer protection litigation, including lemon law, car dealer fraud and consumer class actions.  He can be reached through his website: http://brennanlaw.com

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