Automobile Fraud: Odometer Tampering, Lemon Laundering, and

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The Human Rights Act 1998 guarantees freedom of religion and belief and employers may not discriminate against someone because of his religion (again, with certain exceptions, such as being a rabbi or imam). Class actions brought against the State of pursuant to C. Does not cover rewards or loyalty cards, cards for use at an employer’s businesses or cards given to an employee by an employer as a bonus, prepaid calling cards or cards usable with multiple unaffiliated merchants.

Pages: 636

Publisher: Natl Consumer Law Center; 3rd edition (June 2007)

ISBN: 1602480117

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A cure offer shall be reasonably calculated to remedy a loss claimed by the person and it shall include a minimum additional amount equaling 10 percent of the value of the cure offer or $ 500, whichever is greater, as compensation for inconvenience, any attorney's or other fees, expenses, or other costs of any kind that such person may incur in relation to such loss; provided, however that the minimum additional amount need not exceed $ 4,000. "Goods" means all real, personal or mixed property, tangible or intangible Handbook of Research on International Consumer Law (Research Handbooks in International Law Series/Elgar original reference) by Geraint Howells (2011-08-30). To minimize your risk of being a victim of identity theft, never give personal identifying information to someone you don’t know or trust, especially if they contact you by phone, the Internet or mail Massachusetts laws & regulations (Consumer credit law serivce). L. � 349 plaintiffs must prove reliance on false advertising to establish a violation of G. Robert�s American Gourmet Food, Inc. [ccxiv], ( a class of consumers of Pirate�s Booty, Veggie Booty and Fruity Booty brands snack food alleged defendant�s advertising � made false and misleading claims concerning the amount of fat and calories contained in their products � Tenants' Rights in California. Melendez [cdxxxviii] ( claim against Le Petit Puppy arising from death of dachshund puppy; contract � clearly outlines the remedies available �, does not violate GBL � 753 and buyer failed to comply with available remedies; purchase price of $1,303.50 split between buyer and seller ] Materials for Understanding Credit and Payment Systems (American Casebook Series). Before doing business with any retail casket seller, you may wish to check the company's business practices with your local Better Business Bureau. (NOTE: Retail casket sellers are not bound by the State laws or regulations that govern funeral establishments, crematories, and cemeteries, nor are they licensed or regulated by the Cemetery and Funeral Bureau or by the Federal government Bailiffs: You and Your Rights.

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Certification of Accreditation. - Upon compliance with the requirements for accreditation, the Department shall issue the corresponding certificate of accreditation. A separate certificate shall be required for each branch of an enterprise located in areas outside of the main office. However, with respect to repair and service centers of factory authorized representatives of franchised dealers, such centers may display a certified true copy of the certificate of accreditation of the parent company Opinions and Decisions of the Railroad Commission Volume 17. Oregon has a law called the Unlawful Trade Practices Act. This law applies when a consumer purchases real estate, goods or services for personal or household use from a seller who regularly engages in that business or occupation Copyright Law of the United States of America Volume a - 12. Private companies don't need to worry about this. Payment of dividends It is the job of the directors to decide at what level to pay dividends. Fund managers don't like surprises, so directors like to smooth the dividend path. Some companies' articles prescribe when and how and at what level dividends may be made, but most leave it up to the directors The New European Law of Unfair Commercial Practices and Competition Law.

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The attorney general may bring an action to enjoin a violation of this subchapter. (1) "Kosher food" means food prepared and served in conformity with orthodox Jewish religious requirements. (2) "Label" means a display of written, printed, or graphic matter on the immediate article or container of any food product. (3) "Person" includes an individual, corporation, or association. (4) "Restaurant" means a place where food is sold for on-premises consumption. (5) "Retail store" means any retail grocery store, delicatessen, butcher shop, or other place where food is sold for off-premises consumption. (6) "Sell" means to offer for sale, expose for sale, have in possession for sale, convey, exchange, barter, or trade European Food Law Handbook. There will usually be some costs that cannot be prepaid. Services such as opening and closing the grave are not usually part of the preneed contract and must be paid at time of need. (NOTE: Be sure that your contract includes a cancellation clause if you change your mind What You Need to Know About Hmos and the Patient's Bill of Rights (Vital Information). Who must comply with the consumer guarantees? Businesses that provide goods—by selling, leasing or hiring—or services to consumers in Australia must comply with the consumer guarantees. Manufacturers and importers must also comply with certain consumer guarantees Opinions and Decisions of the Railroad Commission Volume 9. Co. [dcclviii], a class of policyholders of flexible premium adjustable life insurance policies alleged that defendant � was not following the cost of insurance provisions in the policies when calculating the annual premiums...( which ) were in excess of what they should have been according to the terms of the policies � and asserted, inter alia, claims of breach of contract, constructive trust and fraud in the sale of insurance contracts Copyright Law of the United States of America, Bullitin No. 14 (Revised to July 1. 1969. In cases where the text of the Uniform Law, as originally promulgated, is available on the Net it also links to it. Locators are also available for the Uniform Commercial Code, Uniform Probate Code, Uniform Code of Evidence and uniform family, and matrimonial laws. If you are unclear about what Uniform Laws are see the LII " Uniform Laws " page. Code, Division II, Title 16, Ch. 43, §§ 16-4301 to 16-4319 West Virginia (1982 Act) - Ch. 36B Colorado - Colorado Statutes, Title 11, Banks and Industrial Banks, Trust Companies and Trust Funds, Art. 24, §§ 101 to 107 District of Columbia - DC Code, Div The Yearbook of Consumer Law 2007 (Markets and the Law) (2007-01-30).

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Division 2 — Direct Sales, Future Performance and Time Share Contracts 19 A direct sales contract, future performance contract or time share contract must contain the following information: (a) the supplier's name and, if different, the name under which the supplier carries on business; (b) the supplier's business address and, if different, the supplier's mailing address; (c) the supplier's telephone number and, if available, facsimile number; (d) the date on which the contract is entered into; (e) a detailed description of the goods or services to be supplied under the contract; (f) an itemized purchase price for the goods or services to be supplied under the contract; (g) other costs payable by the consumer, including taxes and shipping charges; (h) if any customs duties, brokerage fees or other additional charges that may apply to the contract cannot reasonably be determined by the supplier, a description of those charges; (i) a detailed statement of the terms of payment; (j) the total price under the contract, including the total cost of credit; (k) if applicable, a description and dollar value of any trade-in; (l) if credit is extended or arranged by the supplier, a description of the subject matter of any security interest in accordance with Part 5 [Disclosure of the Cost of Consumer Credit]; (m) a notice of the consumer's rights of cancellation, in the prescribed form and manner, if any; (n) any other restrictions, limitations or other terms or conditions that may apply to the supply of the goods or services; (o) any other prescribed information. 20 (1) In addition to the information required under section 19, a direct sales contract must contain (a) the name, in a readable form, of the individual who signs the contract on behalf of the supplier, (b) the place where the contract is entered into, and (i) the individual who signs the contract on behalf of the supplier, (2) Despite section 23 (3) [future performance contract], if that section applies, a supplier must give a copy of the direct sales contract to the consumer at the time the contract is entered into. (a) the supplier does not give to the consumer a copy of the contract at the time the contract is entered into, or (b) the supplier requires the consumer to make a down payment in excess of the prescribed amount. 21 (1) A consumer may cancel a direct sales contract by giving notice of cancellation to the supplier not later than 10 days after the date that the consumer receives a copy of the contract. (2) A consumer may cancel a direct sales contract by giving notice of cancellation to the supplier not later than one year after the date that the consumer receives a copy of the contract if one or more of the following applies: (b) at the time the contract was made, the supplier was under a direct sales prohibition order; (c) the goods or services to be supplied under the contract are not supplied to the consumer within 30 days of the supply date. (3) The consumer is not entitled to cancel the contract under subsection (2) (c) if the consumer accepts delivery of the goods or services after the end of the 30-day period described in that subsection. (4) Despite section 15 (2) [assignee's obligations], if a consumer cancels a direct sales contract under this section, the supplier, within 15 days after the notice of cancellation has been given, must return to the consumer any trade-in received under a trade-in arrangement, or an amount equal to the trade-in allowance. (5) Despite section 28 (1) [return of goods by consumer on cancellation], if a consumer cancels a direct sales contract under this section, the consumer may retain possession of the goods delivered to the consumer (a) until all money paid by the consumer is refunded, and (b) in the case of a trade-in arrangement, until either (i) the supplier returns to the consumer, in substantially the same condition as when the supplier received them, the goods delivered by the consumer under the trade-in arrangement, or (ii) an amount equal to the trade-in allowance is paid to the consumer. (6) If a trade-in or an amount equal to the trade-in allowance is not returned to the consumer as required under subsection (4), the consumer may recover from the supplier as a debt due an amount equal to the trade-in allowance. (7) If a consumer receives an amount equal to the trade-in allowance, the title of the consumer in respect of the goods delivered by the consumer under the trade-in arrangement, if the title had not already passed from the consumer, vests in the person entitled to them under the trade-in arrangement. 22 If credit is extended or arranged by the supplier in respect of a direct sales contract, (a) the credit agreement, as defined in section 57 [definitions], is conditional on the direct sales contract, whether or not the credit agreement is a part of or attached to the direct sales contract, and (b) if the direct sales contract is cancelled under section 21, the credit agreement is cancelled. 23 (1) This section does not apply to a future performance contract that is a preneed cemetery or funeral services contract. (2) In addition to the information required under section 19 [required contents of contract], a future performance contract must contain the following information: (b) the date on which the supply of the goods or services will be complete; (c) if there are periodic payments under the contract, the amount of each of the periodic payments. (3) A supplier must give a copy of the future performance contract to the consumer within 15 days after the contract is entered into. (a) the supplier gives, or offers to give, a rebate, discount or other value to the consumer in consideration of the consumer giving to the supplier the names of prospective consumers, or otherwise aiding the supplier in making a sale to another person, and (b) the earning of the rebate, discount or other value is contingent on the occurrence of an event after the time the consumer agrees to buy. 24 (1) In addition to the information required under sections 19 and 23 (2) [required contents of contract], a continuing services contract that provides for a supplier supplying services by reference to a number of hours or a number of sessions must state the period of time, in months, over which the consumer can reasonably expect to receive the services. (2) The period of time referred to in subsection (1) must not exceed 24 months. (3) A continuing services contract must not be for a duration, including the cumulative total of all options and rights to extend or renew the contract, of more than 2 years. (4) Despite subsection (3), a continuing services contract may provide for the consumer renewing the contract by consenting in writing within one month of the expiry of the contract. (5) For the purpose of subsection (3), all continuing services contracts, except a contract renewed under subsection (4), that (a) are in effect between the same supplier and the same consumer at the same time, and (b) provide for the performance of the same or similar services, whether or not services are being supplied concurrently under 2 or more of the contracts, are deemed to be one contract. (a) the contract is not binding on the consumer in respect of the period in excess of 2 years, (b) the supplier must refund to the consumer, within 15 days after receiving a request from the consumer, all money paid under the contract for the period in excess of 2 years, and (c) if the supplier does not comply with paragraph (b), the consumer may recover as a debt due all money paid under the contract for the period in excess of 2 years. (7) In an action by the consumer against the supplier where the supplier fails to comply with subsection (6) (b), the court must enter judgment against the supplier for 3 times the amount of any refund not paid within the time limited by that subsection. 25 (1) A consumer may cancel a continuing services contract by giving notice of cancellation to the supplier not later than 10 days after the date that the consumer receives a copy of the contract. (a) in the circumstances of the consumer, or (b) in the services provided by the supplier. (3) A material change in the circumstances of the consumer includes, without limitation, (b) a physical, medical or mental disability of the consumer, substantiated in writing by a medical practitioner or nurse practitioner, showing that the consumer's continued participation is unreasonable because of the consumer's condition or is likely to endanger the consumer's health, or (c) the relocation of the consumer for the remainder of the duration of the contract, or the remainder of the time stated in the contract in accordance with section 24, so that the distance between the consumer and the supplier is more than 30 km greater than when the consumer and the supplier entered into the contract, if the supplier does not provide reasonably comparable alternative facilities for the use of the consumer not more than 30 km from the consumer's new location. (a) when, for reasons that are wholly or partly the fault of the supplier, the services are not completed, or at any time the supplier appears to be unable to reasonably complete the services within the period of time stated by the supplier under section 24, (b) when the services are no longer available, or are no longer substantially available as provided in the contract, because of the supplier's discontinuance of operation or substantial change in operation, or (c) when the supplier relocates his or her facility so that the distance between the supplier and the consumer is more than 30 km greater than when the supplier and the consumer entered into the contract, and the supplier does not provide reasonably comparable alternative facilities for the use of the consumer not more than 30 km from the consumer's location. (a) within 15 days after the notice of cancellation has been given, refund to the consumer, (i) in the case of a cancellation under subsection (2) (a), the portion determined in the prescribed manner of all cash payments made under the contract, less a prescribed amount on account of the supplier's costs, or (ii) in the case of a cancellation under subsection (2) (b), the portion determined in the prescribed manner of all cash payments made under the contract, and (b) within 30 days after the notice of cancellation has been given, return to the consumer every negotiable instrument executed by the consumer in connection with the contract. 26 (1) Subject to subsection (2), a supplier must give a copy of the time share contract to the consumer at the time the contract is entered into. (2) Section 48 (1) [copy of distance sales contract] applies to the time share contract if the contract is also a distance sales contract. (3) A consumer may cancel a time share contract by giving notice of cancellation to the supplier not later than 10 days after the date that the consumer receives a copy of the contract. (4) Subject to any longer cancellation period prescribed, a consumer may cancel a time share contract by giving notice of cancellation to the supplier not later than one year after the date that the consumer receives a copy of the contract if the contract does not contain the information required under section 19 [required contents of contract]. 27 Despite section 15 (2) [assignee's obligations], if a contract is cancelled under this Division, the supplier must refund to the consumer, (a) within 15 days after the notice of cancellation has been given, and (b) without deduction except as provided for in this Division or in the regulations, all money received in respect of the contract, whether received from the consumer or any other person. 28 (1) If a direct sales contract, future performance contract or time share contract is cancelled under this Division, the consumer must return any goods received under the contract by delivering the goods to the person named in the contract as the person to whom notice of cancellation may be given or to the business address of the supplier. (2) Subject to subsection (3), the return of the goods by the consumer under subsection (1) discharges the consumer from any obligation, in respect of the goods, arising under the contract. (3) If goods are returned by the consumer under subsection (1), the consumer is liable to the supplier for any damage to the goods caused by the failure of the consumer to take reasonable care of the goods The used lemon owner's manual: A publication of the New York State Consumer Protection Board.