If you, the customer, are a day late in a credit card bill payment or a phone or electricity bill, you’re fined. Don’t pay for some time and you begin to get legal notices. The electric supply company will simply cut supply. The phone company will cut the connection. A small error in home loan repayment will make your credit history tainted. And you really have to run around to rectify that. Even after the problem is long solved. So what happens when the company makes an error? Usually you have to still pay for their systems being in error unless you really run around. But what if there is no error but a wilful intent to cheat. What should you do if your financial life is at risk due to a product that was sold to you by deceit?