Petition in response to abusive conduct under the Debt Collection Practices Act (DCPA), Fair Debt Collection Practices Act, or Deceptive Trade Practices Act:
(1) The situation is, accounts holders and cards holders, who may or may not have overdraft protection of banking institutions are paying excessive fees, payments and charges;
(2) what is needed, petitions in response to abusive conduct under the Debt Collection Practices Act (DCPA), Fair Debt Collection Practices Act, or Deceptive Trade Practices Act to eliminate excessive late fees or excessive late charge;
(3) why it is needed, such abuses are causing an increase in excessive fees, payments and charges to accounts holders and cards holders in amounts of $300, $600 or more within in a 30 day period; as wellas banking institutions failure to recognize contractual overdraft protections plans with account holders that would either reduce or eliminate such overdraft fees, payments and charges.
Petition in response to abusive conduct under the Debt Collection Practices Act (DCPA), Fair Debt Collection Practices Act, or Deceptive Trade Practices Act:
(1) The situation is, accounts holders and cards holders, who may or may not have overdraft protection of banking institutions are paying excessive fees, payments and charges;
(2) what is needed, petitions in response to abusive conduct under the Debt Collection Practices Act (DCPA), Fair Debt Collection Practices Act, or Deceptive Trade Practices Act to eliminate excessive late fees or excessive late charge;
(3) why it is needed, such abuses are causing an increase in excessive fees, payments and charges to accounts holders and cards holders in amounts of $300, $600 or more within in a 30 day period; as wellas banking institutions failure to recognize contractual overdraft protections plans with account holders that would either reduce or eliminate such overdraft fees, payments and charges.
We the undersigned, pursuant to the Debt Collection Practices Act (DCPA), Deceptive Trade Practices Act or Fair Debt Collection Practices Act, 15 USC 1692c(c),
have been violated by banking institution engaging in conduct of breach of fiduciary duty, consumer fraud, fraudulent concealment, unjust enrichment and accounting; including but not limited to the following:
· charging you interest, and fees or charges;
· Making repeated telephone calls or telephone calls at unreasonable times. The act defines unreasonable times as contat before 8:00 AM or after 9:00 PM, unless you have given the debt collector permission to contact you during those hours;
· Seeking collection fees or interest charges not permitted by your contract or by state law;
· Suing in courts far removed from your place of residence;
· Threatening you with arrest if you do not pay the debt.
· excessive late fees or excessive late charge under with or without overdraft protection.
Class action is a procedural device to cope with frauds causing damages to large groups. The slightest loss to the individual, or groups of individual, results in many social illnesses which are hideous, threatening, and horrible.
The class action, when brought by those who have no other avenue of legal redress, provides restitution to the injured and deterrence to the wrongdoer.
Many of these wrongdoer count on the trouble and expense of enforcing your rights to be prohibitive. They know many s will just "chalk it up to experience" and go on with their lives.
Sometimes when an individual is willing to fight, these wrongdoer will often give in after a while and attribute it to the expense of needing services or doing business. However, because the number of individuals willing to fight is relatively small, the wrongdoer that violate your rights will continue to thrive.
For this reason, the law permits class action lawsuits. Class action lawsuits allow for a lawsuit to be filed on behalf of a group of similarly situated people. These class action lawsuits are taken seriously by the companies they are filed against, as well as other companies engaged in the same tactics.
At Kathleen J. Washpon Specialized Services, our staff of attorneys has decades of experience handling rights claims, including class action lawsuits. For more information about us and the legal services our lawyers provide, please visit the Our Philosophy page.
Please schedule a free consultation with one of our rights attorneys by calling us at (512) 687-6279, FAX (512) 687-3499, or filling out our intake form on our Contact Us page.
We are dedicated to protecting your statutory rights and exposing rip-offs and scams.
Thank your for taking the time to read my letter.
