If the lender truly pulled a bait and switch or acted inappropriately, it should nullify the application fee. However, you'd have to be able to prove it and then probably file a small claims suit. YES. It is a fee to have your application "processed" and if either party backs out they keep the fee for doing the paperwork, regardless of the outcome.
cut the bait
Redworms
small meatss
live anchovies and squid
Credit card interest and fees are determined at the state level at present. Congress has passed a law which makes bait and switch tactics more difficult but legal interest ceilings are still a state matter.
Bait Switch
If a bait and switch tactic is used then the contract may be null and void. You must be able to prove the bait and switch for this to be the case.
Bait N' Switch - 2013 was released on: USA: 27 October 2013
yes
Why are they not truly free? no such thing as a free lunch. This is a very lame attempt at bait and switch!
Apt1B - 2010 Bait and Switch 2-3 was released on: USA: 9 November 2010
Yes. All States
Shaman Kingu - 2001 Bait and Switch 2-30 was released on: USA: 5 July 2005
Whale Wars - 2008 Bait and Switch 2-8 was released on: USA: 31 July 2009
After the First 48 - 2008 Bait and Switch 1-7 was released on: USA: 18 February 2010
The Good Guys - 2010 Bait and Switch 1-2 is rated/received certificates of: Netherlands:12
It is also against the law to advertise a product at a very low price with the intention of trying to talk customers into higher-priced products. This is known as bait and switch.