April 3, 2023

Helping Others and Elevated Thoughts Perceptive Readers 4

Perceptive Readers 4 Helping Others and Elevated Thoughts

The first part opening comments on Social Work, Technical problems, and universal facts and principle

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6.24 Billion Visa and Mastercard Class Action Settlement

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The 6.24 Billion Visa and Mastercard Class Action Settlement.

SPECIAL UPDATE NOTES September 16, 2023 This Article was repaired or refurbished on March 10, 2020. It was originally posted on April 17, 2019 Check the site archive.today for verification of pocbooks.com online presence.

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Whats New?

“Updated August 1, 2023: The time for all appeals has passed, and the parties are currently preparing for administration of the claims process. Please be patient. Further updates will be posted as soon as they become available.” – www.paymentcardsettlement.com/en

Has anyone received updates and how?

Dear Perceptive Readers, This article is for you professionals who want to understand the Visa and Mastercard Action Settlement. It can be registered as ethical business practices.

Here are The 4 questions answered:

What is a Class Action Settlement?
Did Visa and MasterCard break any laws?
Were you cheated or your rights violated?
Where can you find out more on how to proceed?

Read These Sections on Ethics

To prepare your perceptive mind to make a balance decision on this business matter, read and listen to Ethics A and Ethics B

Ethics A) “Ethics: The field of ethics (or moral philosophy) involves systematizing, defending, and recommending concepts of right and wrong behavior. Philosophers today usually divide ethical theories into three general subject areas: metaethics, normative ethics, and applied ethics. Metaethics investigates where our ethical principles come from, and what they mean. Are they merely social inventions? Do they involve more than expressions of our individual emotions? Metaethical answers to these questions focus on the issues of universal truths, the will of God, the role of reason in ethical judgments, and the meaning of ethical terms themselves.” https://www.iep.utm.edu/ethics/

Ethics B) Do you Understand Communication Ethics Principles? (Video)

VISA AND MASTERCARD CLASS ACTION SETTLEMENT
6.24 Billion Visa and Mastercard Class Action Settlement

This is a proposed $5.54–$6.24 billion settlement to provide payments to merchants who accepted Visa and Mastercard at any time from January 1, 2004.

1) What is a Class Action Settlement?

A class action is a procedural device that permits one or more plaintiffs to file and prosecute a lawsuit on behalf of a larger group, or “class”. – Cornell Law School – https://www.law.cornell.edu/wex/class_action

Just One Example: You own a business, as the innocent plaintiff, that has been hurt by another company’s business practices that violated/broke the law, now the defendant, in their dealings/transactions with you. Your fellow merchants, whether in the same location or country-wide experienced the same treatment.

This is what your experience/complaint results in: “ In a class action, people or businesses sue not only for themselves, but also on behalf of other people or businesses with similar legal claims and interests. Together all of these people or businesses with similar claims and interests form a class, and are class members.”

2) Did Visa and Mastercard break any laws?

This lawsuit is principally about the interchange fees attributable to merchants that accepted Visa or Mastercard credit or debit cards between January 1, 2004 and January 25, 2019, and Visa’s and Mastercard’s rules for merchants that have accepted those cards.

The Rule 23(b)(3) Class Plaintiffs claim that:

3) Were you cheated or your rights violated?

Rule 23(b)(3) Class Plaintiffs claim that Visa & Master Card its respective member banks, including the Bank Defendants violated the law(s) by carrying out the following practice(s):

Violated the law because they set interchange fees.

*They imposed and enforced rules that limited merchants from steering their customers to other payment methods. (E.g no-surcharge rules, no-discounting rules, honor-all-cards rules)

*Conspired together about some of the business practices challenged
* They continued in those activities despite the fact that Visa changed its corporate structure and became a publicly owned corporation after this case was filed.
* Conduct caused the merchants to pay excessive interchange fees
“The Defendants say they have done nothing wrong. They claim their business practices are legal, justified, the result of independent competition and have benefited merchants and consumers.”
4) Where can you find out more on how to proceed?
Current Status
On January 24, 2019 the Court granted preliminary approval to the settlement filed on September 18, 2018. The Order is available
How do I ask for money from this settlement?
You must file a valid claim to get money from this Settlement. If the Court finally approves the settlement, and you do not exclude yourself from the Rule 23(b)(3) Settlement Class, you will receive a claim form in the mail or by email. If you do not receive a claim form and/or are not sure whether you are part of this settlement, contact the Class Administrator:
Call the toll-free number: 1-800-625-6440
Write to: Payment Card Interchange Fee Settlement, P.O. Box 2530, Portland, OR 97208-2530
Email: info@PaymentCardSettlement.com

Concluding Information
This information is provided to you as an FYI. I very much realize how intelligent you readers are here. Yet, as has been stated, at times the thoroughness of documents made for taxes, court cases, and contracts can be a bit overwhelming for the best of us. Especially with people who have the creative mindset. Though you create complex music and art in general, you like to keep it simple, clean, and honest when it comes to business and professional matters. In general, most people wish such things of this nature could be so simple. All the same, this information is not to tell you what to do, but give you some idea on what it is about. – Regards, J.

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