On Thursday 15 Feb, I completed an in-store loan application for $500.00, I was told not to expect an answer to the application until either Mon or Tue. When I came home I remembered that the Winz breakdown only consisted of half my income. As soon as I got home, I emailed the Papakura store a copy of an online MyMSD equivalent of a “Winz breakdown” explaining my income in two parts and asked that the email be attached to my application. Today I received a phone from the Papakura store saying that my application was declined, when I asked why? She had no answer and so I called the DTR Call centre and was assured that I would be contacted by the end of day. Frank the manager of the Papakura store called with the explanation that my application was declined due to my income not being sufficient enough to repay the loan. I asked Frank if the email that I sent on Thursday 15th Feb was attached to my application, he replied that it wasn’t. I suggested if I should drop off a copy, but he explained that there is a 30 day stand-down. I was very upset with the stores incompetency, but Frank insisted that he’ll try to see if there was something he could do to rectify the situation. Frank called ten minutes later with an apology for not attaching the email …show more content…
Before making the application on Thursday I called the DTR call centre and was assured that I CAN make a $500 loan application and that my account was up-to-date. The Papakura store, reassured me to make an application. Before calling DTR I calculated that a $500 was within my budget, and that I can make all the repayments. I have been with DTR for over 6 years and have tried to assure that my account be in the black, however; last year due to some error with ClearDebt my account fell short and was not informed. So it was suggested by the Papakura branch that I refinance. But nevertheless, I didn’t think I would be declined of a $500
Equuscorp launched proceedings in the Supreme Court of Victoria against each of the respondents. Equuscorp’s claims were for “loss and damage” for breach of the loan agreements and for money had and received. The trial judge dismissed Equuscorp’s contractual claim in all eight cases and upheld the restitution claim in two cases. The respondents appealed this decision in the Supreme Court of Victoria’s Court of Appeal. In this appeal, the majority held that the trial judge erred and that Equuscorp was not entitled to restitution. Equuscorp appealed against the decision of the Court of Appeal in relation to the three respondents. Its grounds for appeal included that the Court of Appeal erred in deciding: a) that Equuscorp was not entitled to restitution for the unenforceable loan agreements; b) that it was not unjust for the respondents to keep the amounts pursuant to the unenforceable loan agreements; and c) that restitution was not assigned as a right or remedy to recover the amounts under the unenforceable loan agreements.
Walker, Takem’s has the statutory law of contracts in his favor. In a contract, the seller and the purchaser have certain rights and obligations. Four basics must be met for a contract to be created (Chrisman, 2014). First, the offer has to be made. In the case at hand, the door-to-door salesperson made an offer of a computer to Ms. Walker. Second, the consideration has to be accepted. Ms. Walker accepted the offer to purchase a computer. The third step is capacity. The purchaser must be legally capable of entering into a contract; minors and the mentally incompetent are excluded in this case. Takem’s has given Ms. Walker the computer in exchange for her payments on her store account. Finally, the intention to enter into a contract has to be present. Ms. Walker signed a bill of sale, a security agreement, and a negotiable promissory note- which is an unconditional promise to pay a certain sum of money at a certain time in the future. Though Takem’s has the advantage to combat her claims, Tommy needs to ensure that his salespeople have not made any false statements or misrepresentations to Ms. Walker as this could have legal implications for the store and against the contract (Vaccaro, 1987). Ms. Walker is legally bound by the contract she agreed to in exchange for the computer; however if there has been any misrepresentations or false statements Ms. Walker may be able, with legal assistance, to call the contract into question
This case arose when I went out of town on my first business trip. I have been a sales trainee for the last six weeks, and my supervisor felt it was time to send me out. I was lucky enough to get sent with the number one sales rep for the company, Vince Collier. I was excited because I knew that if I was going to learn the best ways to make a sale, it would be with Vince.
In order to be trustworthy, the manager needs to provide transparent information. It is standard practice in business to provide receipts for any kind of reimbursement you are asking for. The honesty of the manager is being called into question since he cannot provide this basic information. He is also being unreliable as the district cannot count on him to follow the rules.
In August 2008, NFM sent the McCaulleys another invoice of $14,550 and told them that NFM did not have to honor the agreement, because of the pricing error and a provision concerning this error printed in the back of the invoices the McCaulleys received. NFM eventually refunded the deposit to the McCaulleys’ credit card without informing them. On September 26th 2008, the McCaulleys filed a complained to seek declaratory relief and damages on the basis that NFM breached the sales contract. On October 24th 2008, NFM answered that the pricing error clause on the invoices invalidated the complaint and the fact that Richard and Michelle took no action to retender the deposit led to the rescission of the contract. In April 27th 2012, the district court ruled in favor of NFM. The McCaulleys appealed, alleging that there were several errors in the trial court’s judgment regarding the terms and conditions in the parties’ sales contract.
1. The Statement that best summarizes Nemko’s position is, “College is a chain saw. Only in certain situations is it the right tool,” because most of their argument talks about why college isn’t for everyone, and why more people should pursue an alternative path.
In “College Pressures”, William Zinsser expresses his concern with society and driving people to a preplanned path and downgrading free expression and exploration. He portrays this to readers through literary techniques such as repetition, metaphors, and anecdotes.
You can fillout our Claim Now form with your contact details. You can call us through our freephone number or drop us a mail. We assure you our proper responsiveness, and we will call you at the best time you will provide.
Review the complaint to determine the customer’s complaint or concerns regarding the servicing of their loan.
Growing up in America sport is a vital part of everyday life. From childhood to adulthood some aspect of sport pertains to virtually everyone. As a child one is looking to find a hobby so they play sports. As a parent fathers look forward to coaching their child’s little league team. And as tens and young adults sports are an opportunity to become a “somebody” and do something amazing. The general perception in high school and college is that athletes have it all. If you’re good at sports then you don’t have to worry about schoolwork or popularity and essentially you have but not a care in the world; you are invincible. Although it is great to see some succeed and become professional athletes many others do not have the same fate. The fate of these athletes, which happens to be the majority, is what drives my opinion on college sport.
My father started, owned and operated a tire business there for 45 years. During the latter years, he depended strictly on out of town business, because the locals prevented county vehicles, school vehicles, and any other county business to be done there. Nevertheless, the business did very well. In 1993, my father had double knee replacement surgery. The business fell behind a few payments on a mortgage loan from a local bank. My father had done business with that bank since 1951. After very few months, the bank began foreclosure proceedings. My father immediately sold a large inventory of tires, raised $10,000. He offered the bank the $10,000 to pay the arrearage plus a few payments in advance to show good faith. Every possible attempt was made to satisfy the bank, but everything was turned down except the $50,000 required to pay the loan off in full.
turns out wrong, so the company do not get what they ask for, and the
I feel that Viking was using the loan and the rent as a leverage and knew exactly that I had limited options. Another huge mistake that I have done is the breach of contract. I should have asked for something in writing from the secretary prior to proceeding “If it is not documented – it never happened”. This is a lesson learned for me.
Schedules are a difficult thing to balance. A person must find the time to complete a number of tasks in a day. A normal adult may have time to get everything done and still have time to spare. The normal college student on the other hand is constantly on the go. College students have busy schedules that include working, studying, and socializing.
A new experience, a change from the norm, looking out for myself, and living on my own: for me this is college. The transition of high school student to college seemed immensely overwhelming and even a bit scary. The shift opened a can of worms and created challenges, both good and bad, behind every corner. Due to the change of scene, I am now dealing with the everyday acceptance of the greater world around me: the town, the people and my new life.