|
The lawyers here can correct this(please), but I think what you entered into may be an illegal "contract by adhesion". Basically, you got the return details/interest terms/etc. after you opened the box.
I'd start with the certified letters asking for return of unjust fees, and gub'mint complaint depts....
When I was 14, I got a checking account through a job and managed to bounce a check for $.11 cents while the parents were out of town for a week.
Every day afterwards I got $10, and $15, notices of late fees(1980s dollars).
At a rate of 10% daily interest the banks' actual loss was about a hundredth of a penny, but they charged me fifty-five dollars.
__________________
Meanwhile other things are still happening.
|