Contract says Lowes pays arbitration hearing fees, each party is responsible for own representation no matter what the outcome is. Upvote A class action lawsuit has been filed after Lowe's Home Centers allegedly sold customers an unfair protection plan.I think that this case would likely not be worth pursuing unless there is a significant difference in value between the Azek and the Trex. This article will cover how you can file a formal complaint and even take Lowes to small claims court if need be. To file a complaint, contact the Utah Insurance Department. You will need to place your requests in writing to the corporate legal department. Send the letter certified mail return receipt requested. An attorney would have to read your contract to confirm your rights. Many have arbitration agreements or even clauses that allow Lowes to take their sweet time. An attorney would have to read your contract to confirm your rights.