First, go to the seller of the item. Second, contact the relevant consumer agency. Finally, if neither of these results in satisfaction, you can file a lawsuit or use arbitration.
Contacting the Seller
Before you take your complaint to the store or other entity that sold you the service or product:
If the product is covered by a warranty, it’s usually better to follow up with the manufacturer instead of the merchant.
Contacting an Agency
If you still haven’t achieved the result you wanted, look in the phone book for a consumer complaint agency, such as the state, county, or city consumer protection office, or the Better Business Bureau.
Or, you might want to go the trade association route. Some industry trade associations offer help in mediating disputes concerning their members.
If your complaint involves a bank, you might wish to contact the appropriate state banking regulator. Similarly, you might want to contact the state insurance regulator if an insurer is involved, the securities regulator for a securities problem, or the public utility commission for utility-related problems.
If the problem involves a state-licensed trade (e.g., a general contractor or a plumber), call the state licensing department.
If you bought a “lemon” used car, investigate your state’s lemon laws by contacting your state consumer protection agency.
If the problem involves mail order or mail fraud, contact your area postal inspector, who can be found in the U.S. government section of the phone book.
There may also be a local television news program hotline for resolving consumer complaints.
Call the agency first to find out what procedures it wants you to follow.
Filing a Lawsuit
When all else fails, you might want to file a court case–either a small claims case, if the amount of money involved is small enough (generally, under $5,000)–or a regular lawsuit. More often than not, simply contacting an attorney and having him or her write a letter to the merchant or service provider indicating that you intend to file a lawsuit will get you the result you are seeking. If a small claims case is involved, you generally won’t need to hire an attorney, but if the case doesn’t qualify for small claims, you’ll probably need to hire an attorney.
There are many ways to reduce your bank fees. Here are a few of them:
Here are some ways to save on insurance of all types:
Here are some thoughts to keep in mind when trying to cut utility costs:
Today’s cost-cutting competition among land-line and mobile phone service providers offers a few opportunities for savings on your phone bills, such as:
Consider the following options to help you reduce the cost of your mortgage: