Reader Mat has a question. His uncle passed away a few days ago and his credit card company is telling his grandparents that if his bank account can’t pay the balance — they’ll have to. He’s wondering if this is true.
Adam and his wife have a question for the Consumerist hive mind. He says that the purchase of his house one year ago included a home warranty. Or, well, it was supposed to. When something went wrong, they tried to file a claim and learned that the agent who listed the house never mailed in the warranty paperwork.
If you’re trying to get your mortgage modified or just a question answered but find yourself stymied by your loan servicer’s slow or lack or response, you can write what is termed a qualified written request (QWR) under section 6 of Respa, The Real Estate Settlement Procedures Act. Under federal law, they have to acknowledge the letter within 20 working days and respond in 60. Inside, a template to follow for drafting a QWR…
God bless this no-nonsense column over at CNNMoney that explains with a minimum of cruft when exactly is the best time to buy everything—if everything is airline tickets, televisions, houses, cars, videogames, and toys. Here’s the bit about airline tickets that you can put in your pocket right now for it is as simple as the organism sure to infect you on your next flight:
For all the seeming complexity that goes into the price of airfare, the answer to when some of the cheapest tickets can be found is surprisingly simple: Wednesday.