Question

you purchased it days prior to your birthday. but when you present it for payment, you only have $16.96 left for the balance. the server tells you that they started to deduct a service charge of $2.00 each month following the first month it was purchased. does this violate one of the acts? why or why not?

1. you have changed your mind about the local gym that you signed up for on saturday. according to the agreement you signed, you have 3 business days to cancel the membership. you got a little distracted and did not contact them about the cancellation until wednesday. they inform you that your 3 days are up and that you no longer can cancel your membership without a penalty fee. does this violate one of the acts? why or why not?
2. after 2 years of having your gym membership, you decide to cancel it since you are not really using it very much. you also cant find anywhere on their website to cancel your membership. which of the following would be the best way to handle this?

a. call them to say you are canceling
b. e - mail them to say you are canceling
c. go to the gym to say you are canceling

1. if you are canceling your gym membership, what should you make sure they provide to you?

a. a cancellation form, signed and dated
b. simply their word that they have taken care of it
c. a confirmation phone call from the manager that follows up with you

1. if your gym continues to take money out of your account to pay for the membership that you already canceled, what should you do next? (choose 2)

a. contact your bank or credit card company saying that you already canceled and show them proof so they will stop the charges.
b. contact the ftc to report the business for their bad practices.
c. keep calling the gym to ask them to credit your account and stop taking out future payments.
d. threaten the gym that you are taking legal action against them.

1. at your local auto repair shop, you receive a quote for work to be done of $700...but, when you go to pay for the repairs, they tell you that you owe them $1000. you were unaware of this and dont have the extra money to pay them. a.. what did the auto repair shop do wrong?

b. does the consumer still need to pay the difference?

1. you signed some paperwork when you bought your new car that makes sure that you have regular oil changes, get your tires rotated, check for wear and tear on your tires, etc. but when your exhaust system malfunctions and you try to get your dealer to cover the cost of the new exhaust system, they refuse because this is not listed as part of the agreement you signed.

which of the following did you most likely get when you signed the paperwork, service contract or warranty?

Explanation:

1. The agreement specified a 3 - business - day cancellation window. Since Saturday is not a business day, counting from Monday, Wednesday is the third business day. So, they are correct in saying the 3 - day period is up and there is no violation of any act as it is in line with the agreed - upon terms.
2. The best way to cancel a gym membership when there is no online option is to go in person (C) as it provides a clear and direct communication and may be required by the gym's policies for proper documentation.
3. A signed and dated cancellation form (A) provides official proof that the membership has been cancelled, protecting the member from future charges.
4. Contacting the bank or credit - card company (A) to stop charges and reporting the business to the FTC (B) for bad practices are appropriate steps when a gym wrongly continues to charge after cancellation.
5. A. The auto repair shop did wrong by not notifying the customer of the additional charges in advance. B. It depends on the shop's policies and local laws, but generally, if the customer did not authorize the additional work, they may not be required to pay the difference.
6. Since the exhaust system malfunction is not listed in the paperwork, it is likely a service contract was signed as warranties typically cover specific parts and malfunctions, and the exhaust system was not included.

Answer:

1. No, because the 3 - business - day cancellation period has expired as per the agreement.
2. C. Go to the gym to say you are canceling
3. A. A Cancellation form, signed and dated
4. A. Contact your bank or credit card company saying that you already canceled and show them proof so they will stop the charges. B. Contact the FTC to report the business for their bad practices.
5. A. They did not notify the customer of the additional charges in advance. B. It depends on policies and laws, but may not be required if additional work was unauthorized.
6. Service Contract