The charge is defacing currency.
The highest rate that they can get away with. There are legal limits, and if they charge too much, no one will do business with them.
Yes it costs them time and money for a person to do this.
Whatever they want to charge. The only legal requirement is that they have tomake sure that you know the interest rate before you borrow the money.
Burning money suggests wasteful, unnecessary spending.
the school cannot charge money to getyour phone back, I'm pretty sure that's illegal
it depends on where you are you would have to check your area laws to determine that but in most places that is legal
No. Ripping or burning money is an illegal. You can get arrested for that even though ripping and burning money is destroying money.
No, it is not legal to intentionally destroy or deface currency. Doing so is considered a form of currency mutilation and is punishable by law.
Yes.
== ==
No. This is piracy, and it is illegal.
The British company Give Me My Money is a legal claims company. The company handles legal cases where clients file claims saying a person or company legally owes them money for damages or other reasons. The company does not charge until they win the case.