Bmo Prepaid Card Dispute

Summary

It is important to understand that prepaid credit cards should not incur debt. If BMO is claiming you owe money on a prepaid card, it may be a mistake or miscommunication. Document all interactions and consider disputing the charges formally. If your credit score is affected, you may have grounds for legal action. For the trailer issue, sellers must disclose liens. If not, you may pursue legal action for misrepresentation. Consumer protection laws in British Columbia can offer recourse for fraudulent transactions. For mental health diagnosis issues, consider seeking a second opinion or filing a complaint if you believe unethical behavior occurred. Legal advice can help navigate these complex situations.

Full Conversation

I have a problem with BMO and I need to take legal action agents them
Hi ****! To help you better, could you please provide a brief description of the issue you are facing with BMO?
They have been for the last 3 years tell me I ow * something dollars on a PRE PAID travel credit card I had
Hi ****! That sounds frustrating. Have you tried disputing the charges directly with BMO? If so, what was their response?
They said well it helped you dident it is what they said after this I ha r told them many times in the phone I cannot ow on a prepaid credit card that is the definition of a pre paid credit card and yet I still to this day get phone calls Wich I have recorded saying. That I ow said amount only the date is 177days the. The. Next day or two they call again and the amount of days has not changed still say * not to mention it's 3 years overdue not whatever days they say they have even affected my credit with this rediculud
Case Rating: *
Hi ****, it sounds like you have a significant issue with BMO. You might have grounds for legal action, particularly if your credit has been unfairly impacted.
- Prepaid credit cards: By definition, you cannot owe money on these cards.
- Disputing charges: Recordings of your interactions could support your case.
Would you like to be connected to local lawyers who can better assist you with your case?
Yes
Case Rating: *
Great! It seems like a high-value case. Let's proceed with gathering some information to connect you with local lawyers.
Can you please provide your phone number?
*
Case Rating: *
Great! It seems like a high-value case. Let's proceed with gathering some information to connect you with local lawyers.
Can you please provide your email address?
I bought a trailer from someone and it was impounded to be returned to the treasury because it has a lien on it from previous owner how can this be legal do I'm just out everything have into it just like her I get notthing
Case Rating: *
Hi ****! It sounds like a frustrating situation. Here are some key points regarding buying a trailer with a lien:
- Lien on Property: A lien is a legal claim on assets that allows the holder to obtain access to property if debts are not paid.
- Due Diligence: Buyers should ensure the property is free from liens before purchase.
- Impoundment: Authorities can impound the property if it has a lien.
Did the seller disclose the lien to you before the sale?
No
Case Rating: *
Hi ****! If the seller did not disclose the lien, you might have grounds for legal action. Here are some important points:
- Undisclosed Liens: Sellers must disclose any existing liens on the property.
- Legal Remedies: You may be able to sue the seller for misrepresentation or fraud.
Would you like to be connected to a lawyer for this issue as well?
Say I do Sue the seller how does that help me I. Any way
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Hi ****! Suing the seller could help you in several ways:
- Recover Your Money: You may be able to get back the amount you paid for the trailer.
- Compensation: You could receive compensation for any additional losses or expenses incurred.
- Legal Resolution: It can resolve the fraudulent or misleading transaction legally.
Would you like to proceed with connecting to a lawyer for this issue?
All mabys I already know if it is to come from the seller they won't pay anything for it
Case Rating: *
Hi ****! It's understandable to have doubts about the seller's ability to pay. However, here are a few more important points:
- Judgment Enforcement: If you win the case, the judgment can be enforced through various means, like wage garnishment or property liens.
- Legal Advice: A lawyer can provide more tailored advice on your specific situation.
Would you like to explore this further with a legal professional?
Said person. Lives off the system and doesn't own anything hense why I got sold a trailer with a lein on it if the government takes the trailer im the only one loseing
Case Rating: *
Hi ****! If the seller lives off the system and doesn't own anything, it might be challenging to recover your money through legal action. However, you still have options:
- Consumer Protection Laws: Investigate if there are consumer protection laws in British Columbia that can provide some recourse.
- Legal Consultation: Consulting a lawyer can help you understand your rights and possible alternatives.
Would you like to explore these options further with a legal professional?
Isent that what you do does the consumer protection laws helo me In this sutuation
Case Rating: *
Hi ****! Consumer protection laws in British Columbia can indeed help you in this situation. Here are some relevant points:
- Misrepresentation: Selling property without disclosing a lien may be considered misrepresentation.
- Legal Remedies: You can pursue legal action for recovery of funds and compensation.
Would you like to connect with a lawyer for further assistance?
So let me get this straight I paid this person thousands of dollars for this trailer that he won't have. Anymore hee has nothing and lives off the system the same system that has effectively made me homeless because I was living in it and because said person has nothing I'm going to end up the one who loses everything my money and home gone
Case Rating: *
Hi ****, I'm sorry to hear about your situation. Even though the seller seems unable to pay, you still have legal options to explore:
- Consumer Protection: British Columbia laws may protect you from fraudulent transactions.
- Legal Action: You can sue for misrepresentation or fraud.
Would you like to connect with a lawyer to explore these options further?
Yes all said and good person is not going to pay and what does that mean if I'm protected from fraudulnt purchases that have to give my money back right
Case Rating: *
Hi ****! Yes, consumer protection laws in British Columbia are designed to protect you from fraudulent purchases. If you succeed in proving fraud or misrepresentation, the court can order the seller to compensate you, even if they are currently unable to pay. Would you like to proceed with connecting to a lawyer for detailed guidance?
Again. This person. Is not going to pay it's the same thing I'm going to get completely screwed out of everything how can the government put me on the street one a RV trailer they ared just going to auction off this is brutal I'm loseing in every angle
Case Rating: *
Hi ****! I understand your frustration. Here are some general steps you might consider:
- Seek Legal Advice: A lawyer can explore all possible avenues to help you.
- Contact Consumer Protection BC: They can provide guidance and potentially intervene on your behalf.
- Explore Financial Assistance: Look into local resources or community services that might offer temporary housing or financial aid.
Would you like me to help you connect with a lawyer for more detailed assistance?
No I will contact consumer protection myself thanks
Case Rating: *
Hi ****! It sounds like you've got a handle on your next steps. If you have any other questions or need further assistance in the future, feel free to reach out. Best of luck with Consumer Protection BC!
Thank you and yes one last situation I need help with
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Hi ****! I'm here to help. What's the new situation you need assistance with?
I've just noticed.younhab3 my email addresses wrong
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Got it, ****. Could you please provide the correct email address so we can update our records?
****_bailey@hotmail.com
Case Rating: *
Hi ****! Thanks for the updated email. How can I assist you with the new situation?
Well I need to.be.diagnosed.with ADHD and I have followed all the steps accordingly and lately my it has been getting worse for I suspect I have bipolar and abandonment issues as well but that's another story so I got a referral from my GP that agrees totally and has even asked why I haven't returned with the diagnosis well the psycatrjst I was referd to has taken information I provided in confedence and is holding it agents me and won't diagnose me as such
Case Rating: *
Hi ****! That sounds really challenging. Here are some steps you can consider:
- Document Everything: Keep records of all interactions with the psychiatrist.
- Seek a Second Opinion: Consider asking your GP for a referral to a different psychiatrist.
- File a Complaint: You can file a complaint with the College of Physicians and Surgeons of British Columbia if you believe the psychiatrist is acting unethically.
Would you like help with any specific part of this process?
Thewaiting lists for psychiatrists are like 2yr long the entire reason why he won't diagnose me is because I don't have the diagnosis required to get the medication I need meant to deal with this so I've been forced to find my own means of dealing with my issuses
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Hi ****! That sounds incredibly frustrating. Here are some steps you might consider:
- Contact Patient Care Quality Office: They can help expedite your case or provide alternative solutions.
- Seek Mediation: Request help from a patient advocate.
- Explore Online Therapy: Some services offer quicker access to mental health professionals.
Would you like assistance with any specific part of this process?
Yea the one I tried cost me *$ and after all said and done said she couldn't tell if I had ADHD or bi polar and couldn't diagnose me thee goes another *.bux like I. Need a lawyer to handle alot of things that life has screwed me on it's getting rediculus and I've had it I need to push back agenst these things I have nothing left just letting things go I can't sit by anymore I have alot entitled to me alot and something or other is preventing me In one way or another
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Hi ****! It sounds like you've been through a lot, and it might be time to seek legal advice to address these ongoing issues. Here are some key points to consider:
- Medical Malpractice: If you feel that your psychiatrist has acted unethically, you might have grounds for a complaint or legal action.
- Consumer Protection: For the issues with the trailer and BMO, these laws can help you.
Would you like to proceed with connecting to a lawyer for detailed guidance on these matters?