Written by Elvinas Kukys
Because we are getting readers from the United States, we thought,we should do an article on US law.
So we came up with few tips on consumer rights:
There is a free mobile app for you to check any production or vehicle, new or used, if it has been recalled or has safety complaints. It lets you know any recent recalls of things you may have around the house or things you are thinking of buying. http://apps.usa.gov/product-recalls-2.shtml
- Deceptive lending companies
Consumer Financial Production Bureau (CFPB) has been established in 2010 and is working to eliminate unfair lending practices. It makes sure that providers of mortgages, credit cards, student loans and banking services market their products legally.
- Complaining effectively
If you’re not satisfied with a product r service, use the Consumer Actions Handbook’s “sample complain letter” to let the company know where they went wrong and how you want them to fix it.
- Shopping online
- Identifying a “scam page”
Usually the page contains offers that sound too good to be true and is filled with promises to fix your credit problems, low-interest credit cards, deals that let you skip credit card payments, business/job opportunities, risk-free investments and free travel.
- What if your wallet or a purse got lost or stolen?
Well, the Federal Trade Commission suggests that you:
- File a report with the police immediately
- Cancel each credit and charge card
- Report the loss to your bank
- Report your missing driver’s license to the DMV
- Call your utility companies
- Change the lock on your home and car if the keys were taken
- Contact your insurance companies
- Contact the Social Security Administration
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Please Note: This guidance is for information purposes only and is not intended to replace legal advice when faced with a risk decision.