(WMC TV) - I just sent another one.
It's another e-mail an unlucky viewer will not want to read -- another answer a viewer doesn't want to hear.
You see, this particular viewer is in the middle of a car deal gone bad. He wants to return the car. He wants his money back. He wants to invoke the federal 3-day cooling off rule.
Congress codified the rule in 1972. Its intent was to protect consumers inside their homes from risky door-to-door sales or from companies selling their wares at temporary business locations.
I had to break the bad news to the viewer that the rule does not apply to the sale of automobiles.
In fact, there is no state law either - be it Tennessee, Mississippi or Arkansas -- that mandates any kind of "buyer's remorse" right (legally called a right of rescission) in virtually any kind of purchase. It all comes down to a consumer's sales contract or to the retailer's return policy.
The federal 3-day cooling off rule only applies when a company is selling a product or service that costs $25 or more at a location other than its place of business. Think door-to-door sales -- or that cell-phone company's kiosk inside a department store.
In those situations, the seller must tell buyers they have the right to cancel for a full refund within three days.
According to the General Services Administration's Federal Citizen Information Center, the 3-day cooling off rule does not apply to:
* PURCHASES MADE BY PHONE OR MAIL
* PURCHASES MADE ONLINE
* SALES UNDER CONTRACT FROM THE SELLER'S PERMANENT LOCATION
* IF YOU SIGNED A WAIVER OF YOUR COOLING-OFF RIGHTS
* IF THE PURCHASE WAS PROPERTY, INSURANCE, SECURITIES OR A VEHICLE
* IF YOU CAN'T RETURN THE ITEM IN THE SAME CONDITION IN WHICH YOU BOUGHT IT
* IF YOU BOUGHT ARTS OR CRAFTS AT A FAIR, SHOPPING MALL, CIVIC CENTER OR SCHOOL
If you charged the product or service to your credit card, you shouldn't have to worry about a cooling-off rule. Just dispute the charge with your credit card issuer, and you should be golden.