This law prohibits discrimination when you rent, buy, or secure financing for a home. Your state may also have a similar law. File a complaint with HUD and the fair housing office in your state if a mortgage company discriminated against you because of your:.
These laws require lenders to disclose information to homebuyers before buying and over the life of the mortgage. File a complaint with the CFPB if you have a problem with a new or existing mortgage. Examples of common mortgage complaints include:. It states that unfair and deceptive practices affecting commerce are unlawful. Report a mortgage company to the FTC if it makes deceptive statements, omits important facts, or takes misleading actions. Examples include:.
Also, file a complaint with your state consumer protection office about a mortgage fraud or scam. Contact the Department of Housing and Urban Development in your area if you feel you have been the target of discrimination. According to the U. Department of Housing and Urban Development website, the landlord may not deny you the right to rent based on your race, color, national origin, religion, sex, family status including children under the age of 18 living with parents or legal guardians, pregnant women, and people seeking custody of children under the age of 18 , as well as handicapped or disabled persons.
Know the terms of the lease. The landlord has a right to evict a tenant after the term of the lease or the tenant is behind in rent or has breached a clause of the lease, such has having pets when the lease stipulated no pets allowed. The landlord must personally deliver the eviction notice, stating the reason the landlord wishes the tenant to leave and the date of the eviction. Generally, the landlord is required to give 30 days' notice if the lease is month-to-month, 90 days if it is a year-long lease, but only 15 days if the rent is overdue.
When a landlord is taking their time responding to an emergency, deal with it yourself. But keep all the important documentation as proof. You can also get a tenant attorney to reach out to your landlord. This will force their hand in either reimbursing you or deducting from your rent. Again, read your lease. It might be very tempting to skip on rent to give your landlord a taste of his own medicine. If enough time passes without getting word from your landlord, ask for a face-to-face meeting.
Keep records. Within reason and law. You can follow up the face-to-face meeting with an email highlighting everything that was discussed. If the meeting does not resolve the matters between you and your landlord, you can take things further by filing a complaint against them or reaching out to rental dispute organizations.
The complaint will motivate your landlord to resolve the issue. You must find relevant authorities to report the matter to as well. The rental legislation differ by province. This means each province in Canada has its own rental laws and rules that they follow. They will determine the time, date and place of the hearing.
The hearing is done by a tenancy dispute officer, whose decision will be enforced by a court of the law. The province of British Columbia also has its own dispute resolution process and so does Ontario and other provinces.
The Residential Tenancies Act sets out the expected standard of conduct between landlords and tenants. Depending on where you live, this could either be with the government of the town in which you live, or in the county of which that town is a part.
Near the top of the list, look for government websites i. Draft your complaint. When submitting your complaint to your local government, you will most likely be using a form. On that form, you will provide the information you gathered regarding names, dates, and addresses.
There will also be a space to provide a detailed description of your complaint. Your local government will be acting as an impartial fact-finder during its investigation.
You don't want to start off on the wrong foot by demanding a resolution or insulting your landlord. Stick to the facts and try not to editorialize.
Explain the issues you are having as clearly and succinctly as possible. Many forms have a word limit, or limited space in which to write. When detailing your problem, be sure to include all relevant information that illustrates the problem you are having, but don't go into unrelated issues.
When in doubt, keep your complaint short, simple, and to the point. Be sure to explain how your landlord could fix the problem. This number may be referred to in several ways—e.
Make sure to write down this number and keep it in your records so you can reference it later. Follow through with your complaint. If it has not—or has only been partially corrected—be sure to let the person who contacted you know.
Keep all records. Be sure that, during this process, you keep any and all records and correspondence between you and your landlord, between you and your local government, and any other documents or forms you receive pertaining to your dispute. Making sure all of this documentation is safely in your records will make your case stronger in the future. Part 2. If you have already tried resolving your issue with your landlord directly, have submitted a complaint to your local government, and your issue is still unresolved, your next step should be to submit your complaint to a state governmental agency.
Not all state agencies can act directly to solve your issue, but they will, at least, provide helpful resources you can use to resolve your problem. When submitting your complaint to your state government, you will most likely be using a form. Your state government will be acting as an impartial fact-finder during its investigation. File your complaint. Certain state agencies allow for online submission of complaints, some provide a telephone number you can use to make your complaint, and still others require you to complete and mail in a form.
Like with your local government, you will need to provide certain information to the agency, such as: [12] X Research source [13] X Research source Your name and contact information.
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