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Fleet
Tries to Pull a Fast One
JIM
HIGHTOWER
National Radio Commentary
January 29, 2003
Radio commentator Jim Hightower. |
I got a note from the swell folks at
Fleet, my credit card company. Actually, not a note, but a Notice:
"This Notice is to advise you that the following Arbitration
Provision will be added to your Cardholder Agreement," it
cheerfully began. Hmmm, I thought, arbitration. What needs
arbitrating? So I squinted at the tiny print they used in this
little four-page notice, which had
no
eye-catching graphics, no
whimsical colors,
and none of
the chatty style
you find in other bill stuffers that the
companies really want you to ... well, notice. Indeed, it's as
though Fleet didn't truly want me to notice this Notice.
But, I thought, don't be cynical, so I plunged into the prose:
"This Arbitration Provision will apply to all claims."
Claims? Like what? Down in the fine print Fleet told me. Sort of:
"The term 'claim' means any claim, dispute, or controversy
between you and us arising from or related to this agreement, any
prior agreement that you may have had with us or another credit card
issuer from whom we acquired your credit card account or the
relationships resulting from the agreement of any prior agreement,
including ..." yada, yada, yada.
Whoa, I said aloud, trying to uncross my eyes, what's the bottom
line here? Then I found it. Fleet's Notice practically shouted that
if I filed any kind of claim against it for fraud, false
advertising, invasion of privacy, or whatever it could deny me
"the right to litigate that claim in court or have a jury trial
on that claim." Instead, I'd have to go to an arbitration firm
of Fleet's choosing, and "The arbitrator's decision will be
final," even though "rights that you would have had if you
went to court may ... not be available in arbitration" and
"the fees charged by the administration may be higher than the
fees charged by a court."
This is Jim Hightower
saying ... To help stop corporate sneak attacks on our
Constitutional right to a trial by jury, call Trial
Lawyers for Public Justice, 202-797-8600.
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