Consumer Protection UDAP Demand Letter — Mississippi

MISSISSIPPI CONSUMER PROTECTION UDAP DEMAND LETTER

Quick-Reference Summary

Sender Letterhead

[LAW FIRM NAME]
[________________________________]
[Street Address]
[City], Mississippi [Zip Code]
Phone: [________________________________]
Fax: [________________________________]
Email: [________________________________]
Mississippi Bar No.: [________________________________]

Date and Recipient

SENT VIA:

☐ Certified Mail, Return Receipt Requested — Tracking No. [________________________________]
☐ U.S. First-Class Mail
☐ Email to: [________________________________]
☐ FedEx/UPS Overnight Delivery — Tracking No. [________________________________]
☐ Hand Delivery
☐ Service on Registered Agent per Mississippi Secretary of State records

Date: [__/__/____]

TO (Respondent):

[Respondent Business Name]
Attn: [Registered Agent / Officer / General Counsel]
[Street Address]
[City], [State] [Zip Code]

Subject Line / Re: Block

Re: Demand for Relief and Notice of Pre-Suit Informal Dispute Settlement Under Miss. Code Ann. § 75-24-15 (Mississippi Consumer Protection Act)

I. Parties

A. Consumer / Claimant

[________________________________] ("Consumer") is a natural person residing at [________________________________], [City], Mississippi [Zip Code]. Consumer purchased or leased the goods or services at issue primarily for personal, family, or household purposes within the meaning of Miss. Code Ann. § 75-24-15(1), and has suffered an ascertainable loss of money or property as a result of a method, act, or practice prohibited by Miss. Code Ann. § 75-24-5.

B. Respondent

[________________________________] ("Respondent") is a [corporation / LLC / partnership / sole proprietor] organized under the laws of [________________________________], with its principal place of business at [________________________________].

Respondent:

• ☐ Resides in or maintains its principal place of business in [________________________________] County, Mississippi
• ☐ Is registered with the Mississippi Secretary of State to transact business in Mississippi
• ☐ Engaged in the act or practice prohibited by § 75-24-5 in [________________________________] County, Mississippi
• ☐ Solicited Consumer in Mississippi via [website / advertising / direct mail / telephone / in-person]

II. Factual Background

A. The Transaction

On or about [__/__/____], Consumer purchased or leased the following goods or services from Respondent primarily for personal, family, or household use:

B. Respondent's Representations and Conduct

Respondent made the following representations to Consumer:

1. [________________________________]
2. [________________________________]
3. [________________________________]

Communicated through:

• ☐ Written advertising, brochures, marketing materials
• ☐ Respondent's website at [________________________________]
• ☐ Oral statements by Respondent's agents on [__/__/____]
• ☐ Contract or terms-of-service documents
• ☐ Email or text marketing
• ☐ Product packaging or in-store displays
• ☐ Other: [________________________________]

C. How Respondent's Conduct Violates Miss. Code Ann. § 75-24-5

D. Ascertainable Loss

Consumer has suffered the following ascertainable loss of money or property as a direct and proximate result of Respondent's prohibited conduct (Miss. Code Ann. § 75-24-15(1)):

E. Timeline of Events

F. Prior Attempts to Resolve (Pre-Suit)

• ☐ Consumer contacted Respondent on [__/__/____]; Respondent's response: [________________________________]
• ☐ Consumer filed a complaint with the Mississippi Attorney General Consumer Protection Division on [__/__/____]
• ☐ Consumer filed a complaint with the BBB on [__/__/____]
• ☐ Consumer participated in / requested an AG-approved informal dispute settlement program (see Section III.B below)

III. Statutory Demand

Pursuant to the Mississippi Consumer Protection Act, Miss. Code Ann. § 75-24-1 et seq., Consumer hereby demands relief.

A. Statutory Violations — Miss. Code Ann. § 75-24-5(2)

Respondent has engaged in one or more "unfair methods of competition affecting commerce and unfair or deceptive trade practices in or affecting commerce" prohibited by Miss. Code Ann. § 75-24-5(2), including (check all that apply):

• ☐ § 75-24-5(2)(a) — Passing off goods or services as those of another
• ☐ § 75-24-5(2)(b) — Misrepresenting source, sponsorship, approval, or certification
• ☐ § 75-24-5(2)(c) — Misrepresenting affiliation, connection, or association
• ☐ § 75-24-5(2)(d) — Using deceptive geographic origin representations
• ☐ § 75-24-5(2)(e) — Misrepresenting characteristics, ingredients, uses, benefits, or quantities
• ☐ § 75-24-5(2)(f) — Representing goods are original/new when used, reconditioned, or altered
• ☐ § 75-24-5(2)(g) — Misrepresenting standard, quality, grade, style, or model
• ☐ § 75-24-5(2)(h) — Disparagement of another's business by false or misleading representation
• ☐ § 75-24-5(2)(i) — Advertising goods or services with intent not to sell as advertised
• ☐ § 75-24-5(2)(j) — Advertising goods or services without intent to supply reasonable demand
• ☐ § 75-24-5(2)(k) — Making false or misleading price-reduction statements
• ☐ § 75-24-5(2)(l) — Advertising by or for a licensed or regulated health-care professional without specifically describing the professional's license or qualifications
• ☐ § 75-24-5(2)(m) — Charging the specified increased motor-vehicle-insurance premium after a qualifying military-transfer cancellation or suspension
• ☐ § 75-24-5(2)(n) — Violating § 75-24-8
• ☐ § 75-24-5(2)(o) — Violating § 73-3-38
• ☐ § 75-24-5(2)(p) — Violating Title 41, Chapter 149
• ☐ § 75-24-5(2)(q) — Violating Title 45, Chapter 38
• ☐ § 75-24-5(2)(r) — Violating Sections 1 through 5 of the 2025 Protecting Patient Access to Physician-Administered Drugs Act
• ☐ Other current enumerated subsection: [________________________________]

B. CRITICAL — Mandatory Pre-Suit Informal Dispute Settlement (Miss. Code Ann. § 75-24-15(2))

Notice is hereby given pursuant to Miss. Code Ann. § 75-24-15(2): Consumer demands participation in a reasonable, good-faith informal dispute settlement program approved by the Mississippi Attorney General.

Consumer proposes the following program after confirming that it is approved by the Mississippi Attorney General:

• Program name: [________________________________]
• Source confirming Attorney General approval: [________________________________]
• Program filing or contact information: [________________________________]
• Date the Consumer initiated the reasonable attempt: [__/__/____]

For a vehicle-related claim, a manufacturer's procedure under the Motor Vehicle Warranty Enforcement Act is governed separately by Miss. Code Ann. §§ 63-17-159(5) and 63-17-163. Section 63-17-163 applies when the procedure complies in all respects with 16 C.F.R. Part 703; the Act does not describe that procedure as "certified" under § 63-17-159.

Consumer requests a response within thirty (30) days. This requested period is not stated as a statutory deadline. Respondent may:

1. Affirmatively engage in one of the foregoing AG-approved programs and propose a meeting date, OR
2. Provide a substantive written settlement offer that fully resolves Consumer's ascertainable loss.

Consumer will document the parties' participation and response. Counsel must determine from the actual facts and current law whether the "reasonable attempt" prerequisite in § 75-24-15(2) has been satisfied before filing suit.

C. Demand for Cure

Consumer demands that Respondent, within thirty (30) days of receipt of this letter:

1. ☐ Refund the purchase price of $[________________________________]
2. ☐ Pay ascertainable loss of $[________________________________]
3. ☐ Repair or replace the defective goods or services
4. ☐ Cancel the contract and release Consumer from all obligations
5. ☐ Correct any credit reporting tradelines associated with this transaction
6. ☐ Cease and desist from the prohibited practice
7. ☐ Reimburse Consumer's reasonable costs of $[________________________________]
8. ☐ Other: [________________________________]

IV. Damages and Remedies If Not Cured

If Respondent fails to participate in good faith in an AG-approved informal dispute settlement program AND fails to cure within the deadline above, Consumer will file a civil action under Miss. Code Ann. § 75-24-15 in the appropriate Mississippi court, seeking:

A. Ascertainable Loss — Miss. Code Ann. § 75-24-15(1)

Recovery of all ascertainable loss of money or property in an amount not less than $[________________________________], or assertion of such loss by way of setoff or counterclaim in any action by Respondent for the price.

B. Common-Law Punitive / Emotional-Distress Damages

The MCPA does not preempt common-law remedies. Consumer will assert parallel common-law claims for fraud, fraudulent inducement, fraudulent concealment, negligent misrepresentation, breach of contract, and breach of warranty. Where the facts support, Consumer will seek punitive damages under Miss. Code Ann. § 11-1-65 and emotional-distress damages on a sufficient evidentiary showing.

C. Equitable Relief

Restitution and additional equitable relief under § 75-24-11 (available primarily in AG actions; private equitable claims must be analyzed case by case).

D. AG Referral

Consumer will file a parallel complaint with the Mississippi Attorney General's Consumer Protection Division, which has independent authority to:

• Obtain temporary and permanent injunctions under Miss. Code Ann. § 75-24-9;
• Obtain restitution under § 75-24-11;
• Seek civil penalties of up to $10,000 per violation of an injunction under § 75-24-19(1)(a);
• Pursue revocation of business licenses or certificates under § 75-24-11.

E. Total Demand Summary

V. Litigation Hold / Evidence Preservation Notice

Respondent and its officers, agents, employees, vendors, and successors are directed to immediately suspend any document-destruction practice and to preserve all documents, electronically stored information ("ESI"), and tangible items relating to the transaction or Respondent's marketing and consumer-facing practices, including but not limited to:

• ☐ Contracts, invoices, receipts, account records concerning Consumer
• ☐ All advertising, marketing, promotional, and point-of-sale materials, in any medium
• ☐ Website content, archived versions, Wayback Machine captures
• ☐ Email, text, chat, and instant-message communications referencing Consumer or the alleged misrepresentations
• ☐ Recorded telephone calls, voicemails, and call-center scripts
• ☐ Internal complaint logs, customer-service notes, consumer-relations files
• ☐ Quality-control, testing, certification, and inspection records
• ☐ Training materials, sales scripts, compensation/incentive plans
• ☐ Communications with regulators (Mississippi AG, CFPB, FTC, BBB)
• ☐ All records relating to participation in any AG-approved informal dispute settlement program
• ☐ ESI metadata, audit logs, server backups, cloud-storage data

Spoliation may result in adverse-inference instructions, monetary sanctions, and independent liability.

VI. Response Deadline and Method

Respondent must provide a written response within thirty (30) days of receipt of this letter that either:

1. Affirmatively elects participation in one of the AG-approved informal dispute settlement programs identified in Section III.B (with a proposed schedule and signed agreement to mediate); OR
2. Tenders a substantive written settlement offer fully resolving Consumer's ascertainable loss.

Respondent's response must be directed to undersigned counsel at the address, email, and telephone number set forth on the letterhead above.

If Respondent fails to respond, or fails to participate in good faith, Consumer will document this exchange as a "reasonable attempt to resolve" under Miss. Code Ann. § 75-24-15(2), and will then, without further notice:

1. File suit individually (not as a class) under Miss. Code Ann. § 75-24-15;
2. File a parallel complaint with the Mississippi Attorney General Consumer Protection Division;
3. Assert common-law claims for fraud, misrepresentation, breach of contract and warranty, with punitive damages under § 11-1-65;
4. File complaints with the CFPB, FTC, and industry regulators as appropriate.

All rights, claims, defenses, and remedies are expressly reserved. Nothing in this letter constitutes a waiver of any right or remedy under state or federal law.

Signature Block

This demand is made in good faith and without prejudice to any rights, claims, or remedies available under Mississippi or federal law.

Respectfully,

_______________________________________________
[Attorney Name]
[Law Firm Name]
[Street Address]
[City], Mississippi [Zip Code]
Phone: [________________________________]
Email: [________________________________]
Mississippi Bar No.: [________________________________]

Attorney for [________________________________]

Enclosures:

• ☐ Copies of contracts, invoices, and receipts
• ☐ Copies of advertising, marketing materials, and website screenshots
• ☐ Photographs and other evidence of defective performance
• ☐ Prior correspondence with Respondent
• ☐ Documentation of Consumer's attempts to engage informal dispute settlement
• ☐ Other: [________________________________]

cc:

• ☐ Client file
• ☐ Mississippi Attorney General Consumer Protection Division (planned parallel complaint)
• ☐ [________________________________]

Pre-Send Checklist

• ☐ Verify Respondent's registered agent through Mississippi Secretary of State (https://www.sos.ms.gov/BusinessServices/Pages/Business-Search.aspx)
• ☐ Confirm 3-year statute of limitations under Miss. Code Ann. § 15-1-49 has not expired
• ☐ Confirm transaction was for goods/services purchased PRIMARILY for personal, family, or household purposes (§ 75-24-15(1))
• ☐ Confirm violation maps to an enumerated practice in Miss. Code Ann. § 75-24-5(2) (not the general § 75-24-5(1) clause, which is AG-only)
• ☐ Calendar pre-suit informal dispute settlement attempt — § 75-24-15(2) is mandatory; document attempts in writing
• ☐ Identify the AG-approved informal dispute settlement program to be invoked (BBB, AG mediation, lemon-law program, industry ADR)
• ☐ Confirm no class action contemplated — § 75-24-15(4) bars class actions
• ☐ Assess frivolousness risk — § 75-24-15(3) authorizes defense-side fees if action is frivolous or for harassment/delay
• ☐ Identify common-law claims preserved (fraud, misrepresentation, warranty) and punitive theory under § 11-1-65
• ☐ Send certified mail, return receipt requested; retain tracking
• ☐ Calendar 30-day response deadline
• ☐ Document litigation-hold notice delivery
• ☐ Retain all records of Respondent's response (or non-response) to evidence exhaustion

Sources and References

• Miss. Code Ann. § 75-24-1 et seq. — Mississippi Consumer Protection Act (chapter): https://law.justia.com/codes/mississippi/title-75/chapter-24/
• Miss. Code Ann. § 75-24-5 — Prohibited acts or practices: https://law.justia.com/codes/mississippi/title-75/chapter-24/general-provisions/section-75-24-5/
• Miss. Code Ann. § 75-24-9 — AG injunction authority: https://law.justia.com/codes/mississippi/title-75/chapter-24/general-provisions/section-75-24-9/
• Miss. Code Ann. § 75-24-11 — Additional orders, restitution, receivership: https://law.justia.com/codes/mississippi/title-75/chapter-24/general-provisions/section-75-24-11/
• Miss. Code Ann. § 75-24-15 — Private right of action; informal dispute settlement; no class actions: https://law.justia.com/codes/mississippi/title-75/chapter-24/general-provisions/section-75-24-15/
• Miss. Code Ann. § 75-24-19 — Civil penalties: https://law.justia.com/codes/mississippi/title-75/chapter-24/general-provisions/section-75-24-19/
• Miss. Code Ann. § 15-1-49 — Three-year SOL: https://law.justia.com/codes/mississippi/title-15/chapter-1/section-15-1-49/
• Miss. Code Ann. § 11-1-65 — Punitive damages standard: https://law.justia.com/codes/mississippi/title-11/chapter-1/section-11-1-65/
• Mississippi Attorney General — Consumer Protection Division: https://www.ago.state.ms.us/divisions/consumer-protection/
• Mississippi Attorney General — File a Consumer Complaint: https://www.ago.state.ms.us/divisions/consumer-protection/file-a-consumer-complaint/
• Mississippi Secretary of State — Business Entity Search: https://www.sos.ms.gov/BusinessServices/Pages/Business-Search.aspx
• BBB Mississippi Dispute Resolution: https://www.bbb.org/mississippi
• CFPB Consumer Complaint Portal: https://www.consumerfinance.gov/complaint/
• FTC Report Fraud: https://reportfraud.ftc.gov/