Consumer dispute meaning in Kannada

How to say dispute in Kannad

DISPUTE meaning in kannada, DISPUTE pictures, DISPUTE pronunciation, DISPUTE translation,DISPUTE definition are included in the result of DISPUTE meaning in kannada at kitkatwords.com, a free online English kannada Picture dictionary What consumer goods means in Kannada, consumer goods meaning in Kannada, consumer goods definition, explanation, pronunciations and examples of consumer goods in Kannada. Also see: consumer goods in Hindi. Our Apps are nice too! Dictionary. Translation. Vocabulary. Games. Quotes. Forums. Lists. And more..

Dispute meaning in Kannada Kannada meanings for English

A dispute notice must include: (1) Sufficient information to identify the account or other relationship that is in dispute, such as an account number and the name, address, and telephone number of the consumer, if applicable; (2) The specific information that the consumer is disputing and an explanation of the basis for the dispute; and consumer dispute. , as herein defined, means a dispute between a person other than an organization who seeks or acquires real or personal property, services, money, or credit for personal, family, or household purposes and the seller or provider of such property, services, money, or credit; Sample 1. Based on 1 documents Online: https://dispute.transunion.com. By mail: Download the dispute form Mail the dispute form with your letter to: TransUnion LLC Consumer Dispute Center P.O. Box 2000 Chester, PA 19016. By phone: (800) 916-8800. Keep copies of your dispute letter and enclosures Latest Consumer News in Kannada: Read all the breaking news headlines, top stories, videos and photos about Consumer at Oneindia Kannada More information about Experian's dispute process and dispute form. Mail the form with your letter to: Experian. P.O. Box 4500. Allen, TX 75013. Transunion. More information about Transunion's dispute process by mail and dispute form. Mail the form with your letter to: TransUnion LLC Consumer Dispute Center. P.O. Box 2000. Chester, PA 1901

CONSUMER DISPUTES - REINVESTIGATION IN PROGRESS - This is a consumer initiated dispute and is actively being investigated by Equifax. A rescore request to remove the dispute verbiage cannot be processed. The consumer has two choices: Wait until the investigation is complete and they receive the results Following are ten important cases that hold relevance in case of consumer disputes: Corporate Bodies can be sued under CPA Karnataka Power Transmission Corporation v Ashok Iron Works Private Limited. The Supreme court, in this case, held that a corporate body is included in the meaning of 'person' in section 2(1)(m) of the CPA The Fair Credit Reporting Act (FCRA) is a federal law that was passed in 1970. It regulates how consumer credit information is collected and who has access to their credit reports. The purpose was to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies Answer: Thus, the phrase Consumer Disputes After Resolution or Consumer Meets FCRA Requirements is a misnomer. It should more accurately state that the consumer disagrees after resolution. Some creditors will nonetheless desire removal of any issue of continued consumer dispute of a resolved dispute and request their removal.

How to say consumer in Kannada - WordHipp

DISPUTE Meaning in kannada English, DISPUTE in kannada

consumer goods - Meaning in Kannada - Shabdkos

  1. Disputes between consumers and businesses that are arbitrated are resolved by an independent neutral arbitrator rather than in court. Although parties can agree to arbitrate a particular dispute after it arises or may agree that the award is non-binding, most consumer arbitrations occur pursuant to a pre-dispute arbitration clause where the arbitrator's award is binding
  2. Subject to subsection (f) and except as provided in subsection (g), if the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to.
  3. THE CONSUMER PROTECTION ACT, 1986 . INTRODUCTION . The industrial revolution and the development in the international trade and commerce has led to the vast expansion of business and trade, as a result of which a variety of consumer goods have appeared in the market to cater to the needs of the consumers and a host of services have been made available to the consumers like insurance, transport.
  4. The Consumer Disputes Redressal Commission, better known as State Commission is the second stage of courts from the bottom of the hierarchy. It is the court that deals with the appeals against the grassroots level consumer protection agencies. The sections 16, 17, 18 and 19 of the Consumer Protection Act, 1986 deal with this Commission

1. Bangalore Urban District Consumer Disputes Redressal. Basava Bhavan,Sri Basaveshwara Circle, High Grounds, Bangalore-560001 080-2262865 080-2260590 2260590 : Fax. 2. Banglore Urban District Forum, Cauvery Bhavan, 8th Floor, BWSSB Wing, Kempe Gawda Road, Bangalore-560009 Telefax 080-22211137. 3 Filing a dispute has no impact on your score, however, if information on your credit report changes after your dispute is processed, your credit scores could change. How it changes—whether it goes up, down or stays the same—is dependent on what you are disputing and the outcome of the dispute ಬ್ಯಾಂಕ್ ಫ್ರಾಡ್ ಆದಾಗ ತಕ್ಷಣ ಬ್ಯಾಂಕ್ ಗೆ ದೂರು ನೀಡಿದರೆ ಹಣದ. They apparently treated your GW as a dispute, and reported it as such to the CRA. The note of a consumer dispute after resolution is even more confusing. Under the FCRA, a consumer has the right to place a statement in their file if they still disagree with the outcome of a dispute. 10-10-2013 07:33 PM

Consumer Disputes represent chargebacks initiated by the cardholder in regards to product, service, or merchant issues. Consumer Disputes are also referred to as Cardholder Disputes, Card Member Disputes, and Service chargebacks. The reasons for disputes categorized under Consumer Disputes are varied; and can include circumstances like goods. resolution services of the AAA in a consumer alternative dispute resolution (ADR) plan should, at least 30 days prior to the planned effective date of the program, • notify the Association of its intention to do so, and • provide the Association with a copy of the consumer dispute resolution plan Consumer Court is a special purpose court in India that deals with cases regarding consumer disputes, conflicts and grievances. There are judiciary hearings set up by the government to protect the consumer rights.Its main function is to maintain the fair practices & contracts by sellers It's also possible to dispute charges when you use a debit card, but it's not as easy, since debit cards aren't specifically covered under the Fair Credit Billing Act of 1974. If you run your debit card as credit (meaning you sign for your purchases instead of inputting your PIN), the law still applies

§ 1022.43 Direct disputes. Consumer Financial Protection ..

Re: Consumer disputes this account information. Thanks for the reply Tommy Gunz. I just got off the phone with Sears card services and they said all i have to do is write a letter to their Credit Bureau Reporting unit stating that I do not dispute the account information anymore and to remove the verbage on my account.'s comment section In short, a consumer is a person who buys or hires any goods or services for a consideration. That is, either you can be Consumer/Buyer of Goods or Consumer/Buyer for Services. Therefore, you are a 'Consumer': 1. If you have paid for the purchase of goods or hiring of services, i.e. free services are not covered under the Act The Consumer Dispute Redressal Forum is a three tier system. The tier redressal system of consumer protection comprising of National Consumer Redressal Forum (NCRF), State commission and District forums. The jurisdiction of each consumer forum has been given in The Consumer Protection Act, 1986. An appeal from the decision of the district forum. Consumer disputes after resolution' Collections & Charge Offs. I was looking at my credit and I noticed this comment on a charge. Back story of this charge: it's a joint charge that shouldn't be on mine at all, I disputed it and had it removed through CK, then saw it on Experian and disputed it there. Then it was back on my Equifax report on.

Disputes about the quality of goods and services are not billing errors, so the dispute procedure doesn't apply. However, if you have a problem with goods or services you paid for with a credit or charge card, you can take the same legal actions against the card issuer as you can take under state law against the seller Consumer and trader disputes involve disputes against another person, trader or company arising out of a contract for the supply of goods and services, valued up to and including $25,000 (excluding interest). Goods include food, clothes, appliances and furniture. Services include repairing a defect in a motor vehicle, car maintenance, meals. Try an alternative dispute program, such as arbitration, conciliation, or mediation. File a Complaint About Online Purchases. If you have a problem during an online transaction, try to solve it with the seller or website. If that does not work, file a complaint with: Your consumer protection agency. The Federal Trade Commission (FTC) The Fair Credit Reporting Act governs how credit bureaus are required to handle consumer disputes: § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]. They are required to post to the creditor all dispute information within five business days of receipt of your dispute. § 623 (8) consumer dispute means a dispute where the person against whom a complaint has been made, denies or disputes the allegations contained in the complaint; (9) consumer rights includes,-- (i) the right to be protected against the marketing of goods, products or services which are hazardous to life and property

consumer dispute Definition: 105 Samples Law Inside

  1. Depending on the outcome of the dispute, the information may either be removed, updated or retained on your Early Warning consumer report. You will be notified in writing, by U.S. mail, of the outcome of the dispute within five (5) business days of the dispute being completed (please allow time for U.S. mail delivery)
  2. If your insurance company has sent you an adverse action letter, please contact the LexisNexis Consumer Center at 1-800-456-6004 to request the information related to the adverse action. Please be ready to provide your first and last name, Social Security Number, driver's license number and state in which it was issued, date of birth, current.
  3. Consumer Forums are special courts for consumers who buy or avail services. Consumer forums works under/as per Consumer Protection Act 1986 (CPA 1986). Any customer who falls under definition of consumer under CPA 1986 can lodge his/her complaint.

The Minister in-charge of consumer affairs in the State Govern­ment shall be the chairman and such other number of members (officials and non-officials) as may be decided from time to time by the State Government. Consumer Disputes Redressal Agencies: The main purpose of Consumer Protection Act is to provide redressal forum to consumers Welcome to CDRL. Consumer Dispute Resolution Limited (CDRL) is a leading alternative dispute resolution (ADR) provider and is approved under the Alternative Dispute Resolution for Consumer Disputes (Competent Authorities and Information) Regulations 2015, by the Civil Aviation Authority, Chartered Trading Standards Institute and Ofcom » NCDRC (National Consumer Disputes Redressal Commission) Visitor No. Disclaimer. The information displayed on this site is based upon the data made available by the consumer forums which are using Online Case Monitoring System (OCMS) application. The statistics/ graphs made available on this site are only for general purpose and not to be.

Myth: This is a tough myth to bust as there is truth in the foundation but this truth is out of date in current underwriting practice. Yes, you are by law allowed, entitled even, to make a statement of explanation or enter a dispute on any credit account. Simply making a statement to clarify your position is considered a dispute. Fact: Until such time as the term Disputed Account is. CONCEPT OF CONSUMER DISPUTE. According to Section 2 (1) (e) of the Act, 'Consumer Dispute' means a dispute where the person against whom a complaint has been made, denies or disputes the allegations contained in the complaint. If the person agrees to the complaint, there is no consumer dispute. Complainant definition. Direct dispute means a dispute submitted by a consumer directly to a furnisher (including a furnisher that is a debt collector) concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer. Sample 1. Sample 2

Member, National Consumer Disputes Redressal Commission KNOW YOUR RIGHTS & REMEDIES ENGLISH HINDI URDU MARATHI KANNADA Books on Consumer Protection from Universal UNIVERSAL LAW PUBLISHING CO. PVT. LTD. C-FF-1A, Dilkhush Industrial Estate (Near Azadpur Metro Station), G.T. Karnal Road, Delhi-110 03 Mock Auction: A scam in which con artists work as a team to sell low-quality or fake goods to customers who believe they are getting a good deal. During a mock auction, members of the scam team. Dispute Resolution and Redress. Fostering the development of effective, low-cost ways for consumers to resolve disputes and obtain replacements or monetary compensation for losses sustained is a key objective of all consumer protection systems. The particular features of consumer disputes require tailored mechanisms that can provide consumers. Forced arbitration severely limits consumer options for resolving a dispute. Before any problem arises, you lock yourself into only one option—forced arbitration—for resolving all future disputes or problems. The contract typically also names the arbitration company that must be used - the one preferred by the company DISTRICT CONSUMER DISPUTES REDRESSAL FORUM <br />Pecuniary Jurisdiction: Value of goods or services and compensation, if any, claimed < Rs 20 lakhs [Section 11]. <br />Composition: Its President shall be a person who is, has been, or is qualified to be a District Judge appointed by State Government. Two other members, one of whom shall be a.

How do I dispute an error on my credit report? Consumer

Know Your Rights! RIGHT TO DISPUTE THE DEBT: Within 30 DAYS of receiving notice of the debt from the debt collector, you can send a letter to the debt collector disputing the debt and requesting the name and contact information of the original creditor. The debt collector must stop all debt collection activities until it can verify the debt A private citizen can also bring an action for a violation of the Consumer Fraud Act within one year from the date the claim arises. File a Consumer Complaint: If you believe you have been the victim of consumer fraud, you may file a consumer complaint. For consumer inquiries, or to request a complaint form, call (602) 542-5763 (Phoenix), (520.

Consumer News in Kannada: Latest Consumer Kannada News

  1. Industrial Dispute - Definition. The definition of Industrial disputes is as follows - According to Section 2(k) of the Industrial Disputes Act, 1947 industrial dispute is defined as, Any disputes or differences between employers and employers, or between employers and workmen, or between workmen and workmen, which is connected with the employment or non-employment or the terms of.
  2. Redressal Machinery under the Act The CPA provides for a 3 tier approach in resolving consumer disputes. The District Forum has jurisdiction to entertain complaints where the value of goods / services complained against and the compensation claimed is less than Rs. 5 lakhs, the State Commission for claims exceeding Rs. 5 lakhs but not exceeding Rs. 20 lakhs and the National Commission for.
  3. When a consumer no longer disputes a collection item, the dispute flag then becomes incorrect, right? Some very aggressive debt collectors, knowing that a consumer is applying for a mortgage loan, have refused to remove the dispute flag from the consumer's credit report, even after the consumer has told them that the debt is no longer disputed
  4. CONSUMER PROTECTION ACT - 1986 Consumer Protection Act is an Indian federation law enacted in 1986 to protect interests of consumers in India. Except Jammu and Kashmir State, this Act extends to whole of India. It makes provision for the establishment of consumer councils and other authorities for the settlement of consumer disputes and for.
  5. Dispute definition: A dispute is an argument or disagreement between people or groups. | Meaning, pronunciation, translations and example
  6. E-OSCAR is a centralized system that manages credit report disputes consumers submit to major credit bureaus and data furnishers. All four credit reporting agencies (CRAs) submit credit disputes to e-OSCAR for processing. The e-OSCAR system simplifies and automates the dispute process for both the consumer and the bureaus
  7. ation, and maintenance of standards of university education. Apart from providing grants to eligible universities and colleges, the Commission also recommends the Central and State.

Disputing Errors On Your Credit Reports FTC Consumer

  1. RESOLUTION meaning in kannada, RESOLUTION pictures, RESOLUTION pronunciation, RESOLUTION translation,RESOLUTION definition are included in the result of RESOLUTION meaning in kannada at kitkatwords.com, a free online English kannada Picture dictionary
  2. Automated Credit Dispute Verification. This is the what e-Oscar was invented for, a way to cut down on the work the credit bureaus consumer dispute process. Instead of calling the creditors themselves to check on information a consumer is disputed, it's done via a computer. Problems with e-Osca
  3. File a dispute for free. If you see information on your Equifax credit report that you believe is inaccurate or incomplete, you can scan and upload your documents online to Equifax Online Dispute.Or you can mail in the Credit Report Update Form after you've printed it, along with photocopies of the necessary documents.. Results completed within 5-20 day
  4. e the quantum of an economic settlement for cases in which there is no question of liability or fault. Similar to an auction mechanism, it allows for parties to participate in an automated negotiation.

Unlike the other two agencies, Equifax does indication an item is under dispute on your credit report during the investigation. On Equifax reports, the item will be noted as 'Consumer Disputes—Reinvestigation in Process says Meredith Griffanti, senior director of public relations for Equifax Consumer Arbitration (a trading name of Consumer Dispute Resolution Limited (CDRL) is an independent organisation and an authorised ADR provider. It provides consumers with independent redress of complaints relating to consumers rights within the retail sector. This service is free for consumers. Read more

National Consumer Disputes Redressal Commission Is the Highest court of appeal in matters related to Consumer Disputes in India, the presiding Judges in NCDRC are Retired Judges of The Supreme Court. * For more info on National Commission Contact me at Ph no: 09650499965 Important Supreme court Decisions on medical Negligenc A consumer who believes that an item reported in a credit report is inaccurate or incomplete may contact the CRA by mail, online, by telephone, or in person to dispute the item. 68 According to CDIA, of the 57.4 million file disclosures issued to consumers by the repositories in 2003, 21.8% (12.5 million) led to a reinvestigation by one of the repositories. 69 Approximately 18% of the. As said in my previous article, (#2021 Plus-1-Post Covid- 19) Arbitration is a private process, whereby disputants resolve their disputes out of the courts. The process is run by the Arbitrator who is an expert in disputes, but at the same time influenced by the participants. In this setting both sides have a better deal as compared to litigations, which can take years and sometimes months Consumer Law CONSUMER REMEDIES AND THE AUSTRALIAN CONSUMER LAW If you have a problem with an item or service you have purchased (or in some cases been given) you may be protected under consumer laws. This factsheet is about the Australian Consumer Law ('ACL'), 1 which is the most relevant legislation for the majority of consumer disputes. The ACL is a national law that is applied both by.

Consumer dispute credit facts CIC Credi

  1. 1 (800) 613-6743 (Toll free) TTY: (800) 877-8339 (via a relay service) Hours: 8 a.m. - 8 p.m., Eastern, Monday-Friday
  2. Kerala State Consumer Disputes Redressal Commission. Kerala State Consumer Disputes Redressal Commission, Sisu Vihar Lane, Vazhuthacaud, Thiruvananthapuram - 695 010. Phone 0471-2725157. For more information, visit: www.consumeraffairs.kerala.gov.in. DISTRICT CONSUMER DISPUTES REDRESSAL FORUM
  3. Repairs, replacements and refunds are known as remedies. You can ask for a remedy under the Consumer Guarantees Act (CGA). You should be able to get a repair, replacement or refund if: products or services don't do what they are meant to, or are defective. products or services are different from their description, eg on packaging or in advertising

Top Ten cases on Consumer Disputes - iPleader

15 U.S. Code § 1692g - Validation of debts. a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. If the consumer notifies the debt collector in writing within the thirty-day. The consumer forum follows difference jurisdiction to entertain complaint: If the claim is for less than Rs 20 lakh, the District Consumer Disputes Redressal Forum will hear the plea. If the claim is for more than Rs 20 lakh but less than Rs 1 crore, the State Consumer Dispute Redressal Commission will entertain the complaint

Account Information Disputed by Consumer Meets FCRA

The complaint is filed with the consumer dispute redressal agency, and one decides the correct forum based on the factors of pecuniary and territorial jurisdiction. IV. Complainant. As per Section 2(b) and Section 12 of the Consumer Protection Act 1986, the following categories of people can register a complaint if other criteria are met - a. Consumer dispute rate. This is the percent of complaints where the consumer disputed the resolution made by the financial institution in relation to their complaint. Complaint closed with relief rate. The is the percent of complaints which were closed where the consumer received some kind of relief from the financial institution

Account Information Disputed By Consumer Meets FCRA

© 2016 CUNA CONSUMER LENDING REGULATIONS v Allegations of violations of ECOA or Regulation B . . . . . . . . . 2-18 Existing credit accounts — adverse action. Consumer Protection Act, 2019 is a law to protect the interests of the consumers. This Act provides safety to consumers regarding defective products, dissatisfactory services, and unfair trade practices. The basic aim of the Consumer Protection Act, 2019 is to save the rights of the consumers by establishing authorities for timely and effective. IN A SNAPSHOT Given the exponential growth in the consumer market, digitization, and the unanticipated change in the modus of receiving and consuming goods and services, a revamp of the consumer protection laws was inarguably inescapable. On 20th July 2020, the Central Government notified the Consumer Protection Act, 2019, (CPA, 2019) which had previously received the President's. You may also request an investigation by sending the information requested in the Consumer Dispute Form to LeasingDesk Screening Consumer Relations by fax or U.S. mail as follows: Fax to: 1-800-866-8736. Mail to: LeasingDesk Screening Attn: LeasingDesk Screening Consumer Relations 2201 Lakeside Blvd. Richardson, TX 7508 Enter the Value *. -- Select the ID -- Passport ID VoterID Tax ID / PAN DriverLicense NationalID. Report Number *. Date of Report *. (dd/mm/yyyy) Please ensure that your dispute is entered under correct section. This will help us raise your dispute and get your Credit Information Report (CIR) updated with correct information

What does account information disputed by consumer meets

In consumer cases, the schemes might be offered to you by a trade association. The Faculty of Advocates has launched a dispute resolution service. This is a specialist service offering the full range of types of resolution processes - arbitration, mediation and adjudication Consumer Complaint. Use our online Consumer Complaint Portal to file a complaint with DFS about insurance companies, vacant properties, student loans, mortgages, bail, banking, lending, and other financial services. You can also check the status of a complaint, or add information, such as a Letter of Authorization (PDF), to an existing complaint. Be aware that we may share a copy of your. A pre-dispute arbitration agreement is also to be distinguished from a pre-dispute agreement by the parties to refer any arising dispute to mediation, which does not raise as significant problems for the consumer, as no binding result can be achieved in that situation without the consumer's consent

Consumer Protection Act, 1986 - Wikipedi

16. Consumer's right to cooling-off period after direct marketing 17. Consumer's right to cancel advance reservation, booking or order 18. Consumer's right to choose or examine goods 19. Consumer's rights with respect to delivery of goods or supply of service 20. Consumer's right to return goods 21. Unsolicited goods or services. Part Section 69 of the Consumer Protection Act, No 68 of 2008 (CPA) sets out a variety of statutory remedies for the enforcement of consumer rights under the CPA. These include filing a complaint with the National Consumer Commission (Commission), referring a dispute to the Consumer Tribunal (Tribunal) or approaching an industry ombud Your CIBIL score, calculated based on your credit behavior as reflected in the 'Accounts' and 'Enquiries' section of your CIR, ranges between 300-900. A score above 700 is generally considered good. Personal information. Contains your name, date of birth, gender and identification numbers such as PAN, passport number, voter's number 3. Call or visit your bank. With a debit card dispute, you'll probably need to call the customer service number for your bank or go into your local branch, Eaton-Cardone says. Contact your bank as soon as you know there's a problem, Pommerehn says. Speed is really important, he says Chargeback: A chargeback is the charge a credit card merchant pays to a customer after the customer successfully disputes an item on his or her credit card statement

e-OSCAR Credit Dispute Verifications What Is e-OSCAR

Experian Dispute Removal: 714-830-7000 475 Anton Blvd. Costa Mesa, CA 92626. Be sure to request dispute removals well before you really need them to be removed. While TransUnion disputes are reportedly removed right away (during the phone call, in most cases), Equifax and Experian disputes can take up to 72 hours to be removed from your reports Shopping is a part of everyday life. Knowing the laws that protect consumers can help you make informed decisions about your purchases. Retailers must follow specific rules when doing business in Massachusetts. But remember, unless otherwise stated, Massachusetts consumer protection laws apply to businesses and not to private party sales Dispute information on your Equifax credit report Submit a dispute if you notice something is inaccurate or incomplete on your credit report. Request a fraud or active duty alert Place an alert on your credit reports to warn lenders that you may be a victim of fraud or on active military duty

Arbitration is a form of alternative dispute resolution where the two parties agree not to take their dispute to court. Instead, they agree to resolve the dispute by hiring an arbitrator to hear both sides. Arbitration is used in labor disputes, business and consumer disputes, and family law matters. Most contracts include an agreement of both parties to the arbitration process Credit report disputes give you the opportunity to correct any information within your credit profile that's incorrect or out of date. You can dispute any information at any time, and the Fair Credit Reporting Act, or FCRA, mandates that the credit bureaus must investigate the information's validity Francis Mailman Soumilas, P.C. 1600 Market Street Suite 2510 Philadelphia, PA, 19103 Toll Free: 877-735-8600 Local: (215)735-8600 Fax: (215) 940-800 experts prior to referring the dispute to arbitration. This person will become the state-appointed expert for the dispute. When a state-appointed expert is used, both parties will receive a copy of the report shortly after the dispute is referred to the arbitration provider. Either party may use the report and exper 160 votes. an interlocutory application is an application which is moved in the main petition. it is usually filed when you ask for some urgent relief or to bring certain new facts to the knowledge of the court. if the supreme court order says 'interlocutory application disposed of, then it means that you had filed an application seeking some. One-shot players in consumer contract disputes are often at a disadvantage in arbitration, as they may lack the experience and resources necessary to mount a strong case. If you got into a dispute with your cell-phone company over a late payment, for example, you might well be the underdog in any arbitration that followed