Reference no: EM132264713

1. When Luke purchased a Frozen Refrigerator from Best Store, the refrigerator came with a 36-month written full warranty. When the refrigerator malfunctioned, Luke discovered that he was expected to ship the refrigerator at his expense to the Frozen Refrigerator factory in China where it was manufactured. There would be a four-month delay until he received his repaired refrigerator back from the factory. Discuss if these requirements to exercise the full warranty are lawful.

2. Marjorie applied for a personal loan at a local bank in Iowa. The bank asked her to fill in an application form in which she was asked for her employment and marital status, as well as her age and her Social Security number. After reviewing her application, the bank denied her the loan because, it said, she was a 43-year-old divorcee-albeit a successful attorney-who received alimony payments and therefore, constituted a high risk. Analyze the case and Marjorie's rights.

3. Dominion Bank hires an agency to collect debt from one of its credit customers, Trayvon. The agency contacts Trayvon on his phone regarding the payment of the debt. Trayvon cites a family emergency and promises to visit the bank the next week. However, the agency sends a debt collector to Trayvon's house at 8 P.M. The debt collector does not find Trayvon at home and inquires about his whereabouts with the neighbors, telling them that Trayvon is indebted to Dominion Bank. The neighbors inform the debt collector that Trayvon is visiting his ill mother in Virginia. Analyze the case with regards to consumer credit laws.