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What is the worst that can happen if I go to court? Do I have standing? Does Regulation "Z" matter? Can they come after me for their costs?

Location: San Antonio, Texas  |  Law type: contract law attorneys

I am dealing with a home security company (Northstar) that has experienced four false alarms and failed to record two thefts from the front yard in front of a security camera / doorbell. The encounter started when the salesman indicated that he was associated with ADT, our former security company, and was there to upgrade our system. After he described the bells and whistles I went to change my father-in-laws diaper. When I returned he asked if I was co-owner of the house, then handed me a cell phone to sign. I started to sign when my wife read, "Northstar Alarm".  I stopped and asked, "How do I scroll to the top of the document?" He took the phone back and I said, "That's not my signature. The screen went blank as he said, "That's good enough." I asked to see the contract and he said, "It will be emailed to you in two to three days." I said, "My email has problems. I need a paper copy now." He said, "My printer is broken and I can't do that." He then agreed to get me a copy on paper the first thing in the morning. I never got a copy of the contract until over a year and a half later. Problems started immediately with the system and the following day my wife started calling Northstar, telling them to get their equipment out of the house, and spending hours on hold each day until her father died, a week and a half later. Thereafter Northstar drew money from our joint checking account while we coped with my mother-in-laws dementia for over a year. We stopped payments and went through BBB to get this resolved without success. I then filed a Small Claims case and Northstar responded. They contend that I have no standing since my wife signed the contract. I contended that by not giving me a copy of the contract that they are in violation of Regulation Z of the Federal Reserve Credit Rules, which they contend does not apply. Northstar asks that this matter be "dismissed with prejudice, and that all costs and fees be borne by the plantiff." The contract has a cancellation clause which calls for execution within three business days of the transaction. I am contending that the transaction date was completed when I received the contract on 02/03/2018, and our cancellation on 02/06/2018 based on that contention should stand. Otherwise, my wife's calls for them to remove their equipment within hours of their declared transaction date of 06/21/2016 should constitute Notice of Cancellation in the absence of a copy of the contract. In conclusion: What is the worst that can happen if I go to court? Do I have standing? Does Regulation "Z" matter? Can They come after me for their costs? Do I have a chance of winning?

Legal question "What is the worst that can happen if I go to court? Do I have standing? Does Regulation "Z" matter? Can they come after me for their costs? " has been written 1 year 10 months ago. Demonstrate your legal skills and willingness to help and answer right now! Issue is related to the location of San Antonio, Texas & area of law: contract law attorneys. Latest answer commented 1 year 10 months ago.
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"What is the worst that can happen if I go to court? Do I have standing? Does Regulation "Z" matter? Can they come after me for their costs? "

contract law attorneys San Antonio Texas

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