How can i sue a company that wrongly reported to me to telecheck?

signal corp. a cell phone insurance company, wrongly reported me to telecheck. I be going to go and get a foreign phone from them, they took a 50.00 check by phone payment from me, 15 min. subsequent I cancelled the transaction,( I looked up the phone they be going to present me and didn't approaching it). 3 daytime's next they took the 50.00 out of my checking acct. I explained to the edge that I cancelled the transaction, and they reversed the charges as "unauthorized", 5 hours of daylight's latter, I bring a dispatch from telecheck , they want 50.00 for the phone ,plus 30.00 ret. chk tax. even though I get no phone. be going on in a minute 3 wk.s, signal corp. have already assured me it be their mistake and they are working on fixing it beside telecheck, telecheck have no journal of any contact beside them , and won't remove it until they do. Meanwhile I can't write a check ANYWHERE. I want to sue them for the 50.00 plus the 30.00 PLUS PUNITIVE damages I am so MAD, how do I find a legal representative for this type of suitcase, what would it cost? thankfulness.

Answers:
It's greatly more fun to scream, consequently to other plow through the red-tape, but plowing through usually works.

Keep working on Signal Corp.
Since You enjoy no phone, It's tough for them to bill You for the phone not deliver.
Contact them AGAIN and ask for a superior. Have adjectives of Your initial info together (reference number, claim number, the daylight You "bought" the phone, etc.).
Explain AGAIN that You agreed to purchase the phone, later call stern and cancelled the purchase.
Explain AGAIN the phone has not be shipped to You, and pay-out have NOT be refund.
Explain AGAIN that Telecheck have begin to persue this debt on thier behalf, even though the purchased item be not and will not be deliver, and that Signal Corp. is surrounded by infringement of FEDERAL LAW (the Fair Debt Collection Act (FDCA)).

IF Telecheck call again, explain NICELY to them that the Order be cancelled, that You hold not received the product You have ordered, that You are disputing the money beside Signal Corp., and that You surface thier attempts to collect on this debt are contained by defiance of the Fair Debt Collection Act (FDCA). Ask NICELY that You be transferred to the Office of the President to fiddle with this business, and NICELY explain the situation to them.
no attorney would knob this, but if you considered necessary to pinch the time you could record an deed surrounded by small claims court yourself.
you dont requirement a attorney for 50 bucks worth of fees. start by speaking next to manager. All you call for to do is yelp for a time at these populace
You are wasting your time and your crying. When you salaried the initial $50, you go into a contract beside the cell phone company. They are lying to you in the order of getting you your $50, it wasn't their mistake, it was YOURS. Their proof will be the certainty that you initially rewarded them. Your valise won't stand surrounded by court and will cost you much more than the $80.00. So, discharge - up and carry the piece of second-hand goods phone, and re-sell it. Perhaps that mode you'll return with some money final. Otherwise..


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