Home Warranty Claims

Home Warranty Problems and Claims
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People purchase home warranties for peace of mind, but some have significant problems.  Here are some typical ones,

  • Inconsistent with Promises  There were promises over the phone about coverage but the homeowner finds disclaimers, exclusions, and claim caps, which limit the amount of money the warranty company will pay for repairs or replacements.
  • Customer service They may have poor customer service, long waiting times, and unreliable contractors.
  • Choice They do not allow the customer to choose their own contractor, and may not guarantee the quality of the work done by their contractors.
  • Disclaimers They do not cover cosmetic issues, mismatched systems, secondary damage, or every component of an appliance or system.
  • Baseless Denials They may deny claims for lack of maintenance, poor installation, or exceeding the coverage cap.

Lear Gold Coin Deception

News media have suggested that Lear Gold coin advertisements are misleading and fail to candidly reveal substantial commissions charged by the company.

Image result for gold and wikepedia

Claims have involved misleading sales methods, overcharging even for bullion coins, and their  high commission fees.  Additionally there are allegation of:
*False or misleading claims about the appreciation of coins,
* Claims about misstatement of value, grading, and certification.


One Main Financial Claims and Defenses

CFPB Orders Installment Lender OneMain to Pay $20 Million for Deceptive Sales Practices Lender pushed employees to hit sales targets and illegally withheld refunds

MAY 31, 2023
WASHINGTON, D.C. – “The Consumer Financial Protection Bureau (CFPB) has ordered installment lender OneMain Financial to pay $20 million in redress and penalties for failing to refund interest charged to 25,000 customers who cancelled purchases within a purported “full refund period,” and for deceiving borrowers about needing to purchase add-on products to receive a loan. OneMain will pay $10 million in refunds to consumers it harmed, and an additional $10 million penalty to the CFPB’s victims relief fund.

“OneMain pressured its employees to load up its loans with extra charges through false promises of easy cancellation with full refunds,” said CFPB Director Rohit Chopra. “We are ordering OneMain to refund borrowers it cheated and to clean up its business practices.”

New Jersey Bait and Switch Administrative Regulations


New Jersey Bait and Switch Claims 

Legal Definitions 
Section 13:45A-26A.4 – Bait and switch
(a) The following motor vehicle advertising practices constitute “bait and switch” and are prohibited and unlawful:
1. The advertisement of a motor vehicle as part of a plan or scheme not to sell or lease it or not to sell or lease it at the advertised price.
2. Without limiting other means of proof, the following shall be prima facie evidence of a plan or scheme not to sell or lease a motor vehicle as advertised or not to sell or lease it at the advertised price:
i. Refusal to show, display, sell, or lease the advertised motor vehicle in accordance with the terms of the advertisement, unless the vehicle has been actually sold or leased during the period of publication; in that case, the advertiser shall retain records of that sale or lease for 180 days following the date of the transaction, and shall make them available for inspection by the Division of Consumer Affairs.
ii. Accepting a deposit for an advertised motor vehicle, then switching the purchaser to a higher-priced motor vehicle, except when the purchaser has initiated the switch as evidenced by a writing to that effect signed by the purchaser.
iii. The failure to make delivery of an advertised motor vehicle, then switching the purchaser to a higher-priced motor vehicle; except when the purchaser has initiated the switch as evidenced by a writing to that effect signed by the purchaser.

Sources and Related Pages 

FTC administrative decisions establishing penalty offenses concerning bait and switch sales practices:

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Bat and Switch Legal Claims

Our experienced team of lawyers understands the complexities of bait and switch cases and is dedicated to helping clients seek justice and compensation.

What is Bait and Switch?

Bait and switch is a deceptive marketing practice where a seller advertises a product or service at a low price (the bait) to attract customers, only to then attempt to sell them a higher-priced alternative (the switch) once they are engaged. This unethical tactic can cause significant financial loss and emotional distress for those who have been misled.

Our Expertise

We  have 30 years experience in handling consumer protection claims  allowing us to effectively navigate bait and switch cases. Our team of has successfully represented numerous clients in similar situations, helping them recover the compensation they deserve.

How We Can Help You

  1. Comprehensive Legal Evaluation: Our team will conduct a thorough evaluation of your case, examining the evidence and assessing the extent of the bait and switch tactics used against you. We will provide an honest assessment of your legal options and guide you through the entire legal process.
  2. Strong Legal Representation: With extensive experience in handling bait and switch cases, our lawyers will build a strong legal strategy tailored to your specific situation. We will aggressively advocate for your rights, holding the responsible parties accountable for their deceptive practices.
  3. Maximizing Compensation: We understand the financial burdens and emotional distress that can result from falling victim to bait and switch. Our dedicated lawyers will work tirelessly to pursue the maximum compensation available to you, aiming to recover any financial losses and seek damages for the harm caused.
  4. Attention: We believe in providing personalized attention to every client.  We will keep you informed about the progress, answer your questions, and provide guidance at each step of the legal process.

Contact Us

If you have been a victim of bait and switch tactics and need expert legal representation, don’t hesitate to reach out to us. Schedule a consultation

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