report per year. Credit reporting agencies also have a statutory obligation to investigate consumers’ claims.
Home Solicitation Contracts It is important to know when a sale was a home solicitation, because special laws
cover this kind of sale. Door-to door sales count under federal law as home solicitation sales. The federal law applies to sale, lease or rental of consumer goods or services that cost $25.00 or more. The law requires the seller to give the buyer a statement called a "Consumer’s Right to Cancel," which tells you about your rights to cancel the sale, the date the sale took place, and the seller’s address. If the buyer does not get a statement like this, s/he may cancel the sale at any time and in any way.
Frequently Asked Questions 1.
The local banks are not cashing my checks or letting me withdraw money from teller stations. What can I do?
If you do not have an account relationship with the bank, it may be concerned about whether there are sufficient funds in your account. Ask the bank to call your bank to determine your account balance. You can also establish an account with a bank in your new area by asking your bank to wire funds from your account to the financial institution in your new area.
2. My direct deposit is not showing up in my account, and I need money. Is there somebody who can help me clear this up with the bank?
Sometimes there are delays in the processing of transactions, including direct deposits, as banks activate back up plans. The banks will process the transactions once the plans are implemented. The delays should be rectified soon. Please talk to your bank about the problem. You can also contact the individual or company that originated the deposit to see if they have any information about the status of your deposit.
3. If my ATM card does not work, what should I do?
If your ATM card will not work, it is probably because your bank’s verification system is not working. You may consider other options, such as cashing a check in the area where you are located or using a credit card. You may also contact one of the emergency service organizations, such as FEMA or the Red Cross, and request assistance.
4. ATM fees are piling up, why aren’t the banks waiving these fees?
Please contact your banks and explain your situation. The regulators are strongly encouraging banks to waive these fees for those hardest hit by the disaster.
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