An attorney would have to review the contracts you signed.

This is not a legal question. FYI you writing such a letter will likely result in them banning you.

You’re asking us to guess about a lot of things . . . .

Yeah probably you do. Unless you can demonstrate how you detrimentally relied on his statement that you wouldn’t have to fix it.

“Hard” is a relative term. I think any occupation (going to law school is a temporary occupation) where you can sit in an air conditioned room in...

No there is no three day grace period

If she is on the lease she is still responsible, if she is not on the lease she’s not responsible. But if you can prove she promised to help pay...

Hire an attorney to review the documents you signed along with the terms of service of the website contracted with.

Call an attorney to discuss the details of the incident.

I doubt it. Your drivers license status was your problem not the insurance companies problem. Incidentally they probably would still have to pay...