| Volume 141 Number 71 |
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The People’s Lawyer’s Tip of the Day
Unless you enjoy the bustle of traditional holiday shopping, you’re probably thankful for being able to get what you need online. Here are tips to have a good online shopping experience: Click here for more.
iPhone users report major headaches with cellular data not working
Apple woke up on Monday to a giant problem attributed to its latest iPhone operating software update. Forbes reported that iOS 12.1.1 is "killing" the data of many iPhone users and forcing them to go online via WiFi. "Major issues using cellular data," and "I’m concerned that this is potentially a bigger issue than just iOS 12.1.1" commented frustrated users on Twitter. Gordon Kelly, Forbes’ consumer tech reporter, deduced that with more than a billion iPhones in active use, the issue "is clearly having a sizeable impact on a number of users." Click here for more.
Your Money
Predatory loans have unfair, misleading or unaffordable terms that generally benefit the lender at the expense of the borrower. They come in different forms, but predatory loans all have the potential to trap consumers in a cycle of debt. For example, payday loans are typically seen as predatory because the costs can escalate quickly: Annual percentage rates can reach 400 percent or higher, and borrowers may be encouraged to roll fees into expensive new loans. But mainstream loans, such as mortgages and auto loans, may have predatory terms, too. Learn how to protect yourself from these loans, how to spot one and alternative ways to borrow money. Click here for more.
For the Lawyers
Ninth Circuit upholds $1.3 billion award over payday loan scheme, in favor of the FTC, against pro race car driver Scott Tucker's loan companies. The court rejected defendant’s arguments that his customers would not have been deceived by the loan terms because he included fine print clarifying the payment schedule. U.S. Circuit Judge Diarmuid F. O'Scannlain wrote in the published opinion that under the consumer-friendly standard adopted by the court, the Federal Trade Commission did not need to prove that actual deception had occurred, but only that the representation of the loan terms was likely to deceive. Federal Trade Commission v. AMG Capital Management LLC, (9th Cir 2018) Click here for more.