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Contract X-Ray — what's buried in the fine print
3 red flags · 1 filed doc
Detected in the CFPB-filed cardholder agreements from John Deere Financial, F.S.B.. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration with no opt-out found — you likely can't take this issuer to court, and there's no way to reject it.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…be enforced in any court having jurisdiction. home state, within 100 miles of your current mailing address; and Our rights and obligations under this arbitration provision shall inure to the benefit of The purchase price must have been more than $50. and be binding upon JDF s parent corporations, subsidiaries, affiliate…”
You waive your right to have a dispute heard by a jury.
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“…HTS WILL BE LIMITED. THE PARTIES stub of your Monthly Statement if received by 5:00 p.m. Central Time Monday through Friday VOLUNTARILY AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL, EITHER (otherwise next business day). If payment is not accompanied by the payment stub or Account number, PURSUANT TO ARBITRATION UNDER THIS…”
“No interest if paid in full” — miss the deadline and you're billed interest back to day one.
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“…lance bearing the next highest rate of interest, until all the amount relief and injunctive relief. you paid is applied to the Account. If you have a deferred interest transaction(s) on the Account, JDF The parties agree and understand that they choose arbitration instead of litigation to resolve disputes. will allo…”