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6
votes
3answers
199 views

Gift card fraud: To whom to report? How to recover funds? Is the party which issued me the card liable?

In September 2011, I redeemed credit card points I had with Citibank for a $100 Walmart gift card. I did not try using this card until March 2014, when I discovered there was no balance in it. I ...
2
votes
1answer
115 views

Misspelled cardholders name: any official policy of MasterCard?

My bank issued a MasterCard debit card with a misspelled cardholder name. They promise that credit card regulations allow up to 3(?) letters to be misspelled in the name, but can't show an official ...
7
votes
1answer
151 views

What can a customer do to reduce damage from a data breach?

A larger retailer admitted recently that hackers were able to steal credit and debit card data for about 40 million customers. Reports say that names, payment card numbers, expiration dates and ...
5
votes
2answers
170 views

Can the Securities Investor Protection Corporation (SIPC) itself go bankrupt?

The Securities Investor Protection Corporation (SIPC) insures investor accounts up to $500K: Terms of SIPC help. Customers of a failed brokerage firm get back all securities (such as stocks and ...
5
votes
2answers
115 views

Does SIPC protect securities purchased in foreign exchanges?

Suppose I open an account at an SIPC-protected broker (say Interactive Brokers) and buy 500,000$ worth of BP stocks on the LSE (London Stock Exchange). Now suppose Interactive Brokers goes bankrupt, ...
4
votes
1answer
178 views

What legal actions should I take to get tuition fees refunded after the school went bankrupt?

I applied to the Northern School of Languages in Leeds and my student visitor visa was refused. But the school has gone bankrupt, and the financial case is now handled by the Ferguson Company Ltd. on ...
7
votes
1answer
118 views

Can I get my payment back on a vacation booked with a company that went into receivership?

My friend booked a summer vacation with a resort/inn located in Ontario that has just gone into receivership. She paid in FULL with a credit card about a month ago. Is there any way to get her ...
6
votes
1answer
241 views

Company is requesting W-9 before refunding purchase

My significant other purchased a spa day-pass from one of those deal-a-day sites (similar to Groupon, but done locally). The spa wouldn't accept the day-pass, so she's trying to get a refund from the ...
2
votes
1answer
620 views

How do I shield or protect my 'chipped' card from thieves? (block the RFID transmitter)

I read an article in the news today called "Police caution that credit-card chips make it easier for thieves". Apparently, because the chips are transmitting a radio signal (an RFID), this signal can ...
5
votes
3answers
531 views

Can I get a chargeback from Visa or MasterCard if a product I bought did not match the description?

If I buy something from a retailer and later on, when I go pick up the product, I find out that it was not the same product agreed on and they refuse to give me a refund (even through they legally ...
9
votes
2answers
172 views

Can I recover my deposit (for a future purchase) from a company whose assets are frozen?

We recently paid a catering company $1400 as a deposit for our upcoming wedding. The company was highly recommended by a number of previous clients and had been in business for over a decade. Then ...
5
votes
2answers
209 views

Personal financial implications of joining or not joining a class action lawsuit

I received a very random piece of mail inviting me to join the "Settlement Class" for a class action suit again the now defunct (and part of BOA) MBNA bank due to bad practices involving raising ...
4
votes
1answer
124 views

How to protect myself from unethical business collecting on an invalid past due amount?

I had my car serviced by a local shop. I ultimately picked them because they were close and didn't really research their online reputation. Suffice it to say I was less than pleased. The car broke ...
6
votes
2answers
3k views

If a house is in foreclosure what does the bank own vs what the former owner owns

So we were having a discussion about what we would all do if we were unfortunate enough to have our homes go into foreclosure. I asserted that all the appliances and even window blinds would still be ...
5
votes
1answer
109 views

How to sell jewelery without getting ripped off?

Related to this question: If I have some old gold jewellery, is it worth it to sell it for its melt value? What is some good advice for getting a piece appraised? Who is a typically trustworthy ...
6
votes
3answers
5k views

Is the warranty on an engagement ring worth it

Many jewelery stores around here offer a warranty on ring purchases. For example a $2000 ring might cost $250. The deals offer free repair, cleaning, maintenance and sometimes replacement and vary ...
15
votes
2answers
2k views

Need advice recovering money lost due to credit card fraud! Bank wont help!

I was recently the victim of credit card fraud. My number and some of my info was compromised and subsequently used to run up about $500 worth of online charges within a week's time. This was on my ...
3
votes
1answer
59 views

Do distance selling protection regulations work across borders?

When buying online in the UK, purchases are covered by the distance selling regulations, which basically give you 14 days to return or annul an agreement or purchase made online. If I buy products ...