What recourse do consumers have after getting a loan if the lender is in breach of contract?

Lets say you get a 30 year fixed loan at 6.75% ( I did say FIXED, not arm). Lets say the lender refuses to honor that rate after closing. What recourse do you have? Are there consumer protection laws for this kind of thing? I know you should consult a lawyer, but what laws or statutes are in place to help a borrower against a large company in this kind of situation?

What recourse do consumers have after getting a loan if the lender is in breach of contract?






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Reply:I was in a similiar situation. Laws change, however, state laws also cover depending on charter of the lender organization.





1. Write your state attorney generals office and cc the lender


2. Write the State Banking Commission(or equiv) and cc lender


3. Write Federal Reserver (see references below) %26amp; cc lender
Reply:The federal and state truth in lending laws. See that lawyer.