State Electricians’ Board Issues Warning about Former Master Electrician and Offers Free Inspections

Press Release
April 8, 2015
Professional and Financial Regulation

The Electricians’ Examining Board within the Maine Department of Professional and Financial Regulation announced that it has found former master electrician Craig Shores of Waterville in violation of statutes prohibiting unlicensed practice. He was also found to have committed permit violations and National Electric Code violations. Mr. Shores is required to pay $8,250 in penalties in the Decision and Order finalized March 20, 2015. Additionally, from a 2009 disciplinary order, he is required to pay a $6,500 penalty and $1,405 in hearing costs.

As outlined in the attached March 20, 2015 Decision and Order, the Board found that Mr. Shores, with a previously expired and suspended license, has continued to engage in dangerous wiring practices that present a threat to public safety and property. After notice and in Mr. Shore’s absence, the Board suspended his right to renew his expired master electrician license indefinitely.

The Board is concerned about potential ongoing, dangerous electrical installations being performed by Mr. Shores and encourages anyone who has had a recent electrical installation performed by Mr. Shores to contact the Board by calling (207) 624-8519. The Board is offering an inspection by a State of Maine Electrical Inspector to any home or business owner who has utilized the services of Mr. Shores.

 

Don’t trust credit card companies to teach kids about finances

CONSUMER FORUM

Posted April 05, 2015, at 10 a.m.

Personal finance websites CardHub and WalletHub released a rather troubling consumer credit outlook last week.

In the credit card field, forecasters see a trend toward offering more credit to existing debtors, instead of trying to attract new borrowers in a recovering economy. The companies’ experts said zero percent balance transfer periods are stabilizing while zero percent purchase terms are getting shorter.

Trending upward are cash- and points/miles-based rewards, both showing hefty hikes over last year. And, with consumers looking for money to spend, cash advance fees have gone up more than 40 percent since the end of 2010.

CardHub’s website notes a striking lack of confidence in American consumers’ own financial literacy. In 2013, 40 percent of people the firm surveyed gave themselves a grade of C or lower. With a worried eye on the future, just over 70 percent of parents in that survey thought their children didn’t understand basic money management.

We’re concerned as consumer advocates in light of another report, released on April Fools’ Day, on financial education. This one suggested parents and teachers take hard looks at any and all financial education programs and “follow the money” to see whose interests are really being served.

William Lund, superintendent of Maine’s Bureau of Consumer Credit Protection, keeps a close eye on the materials included in financial education offerings.

“Nowhere have I read the following message in that literature: ‘Save Your Money Until You Can Afford What You Want; Then Pay Cash,’” he recently told Northeast CONTACT.

“Bad money decisions haunt us for a lifetime.” Click image to learn more about the Walter Cronkite Project

People in search of unbiased advice suggest looking at something called the FoolProof Foundation’s Walter Cronkite Project. Leaders of that nonprofit say financial education usually includes the biases of the sponsors, charging that “[t]he financial industry goliaths who profit when a young person makes money mistakes largely determine what young people learn about money habits.”

FoolProof Foundation founder Will deHoo goes on to ask, “is a credit card company going to support a financial literacy program that teaches kids to pay their credit card bill in full each month? Is a bank going to sponsor a program that says, ‘Be sure and read about the billions in fines we’ve paid for hurting our own customers’? Of course not.”

FoolProof, found at foolproofteacher.com, offers a free, Web-based series of financial lessons that it says meet the needs of young consumers instead of the needs of what it terms “conflicted businesses.”

While such entities may sponsor a range of gatherings in the name of helping students, critics charge that their presentations often leave out key pieces of advice that would truly improve students’ financial awareness. After all, if consumers paid off their credit card bills in full every month, they would see a real change in their debt and resulting stress levels. Such a trend would cut into the bottom line of credit card companies in a big way; it’s no wonder their teachings generally don’t include a plea to pay in full.

We’ve written in earlier columns about financial education efforts such as the Jump$tart Coalition, found at jumpstart.org, and Maine’s annual conference on teaching financial literacy. Because Maine has no statewide requirement for financial education, local educators and parents might want to take a serious look at the offerings of FoolProof and other free programs that might come along.

Consumer Forum is a collaboration of the Bangor Daily News and Northeast CONTACT, Maine’s all-volunteer, nonprofit consumer organization. For assistance with consumer-related issues, including consumer fraud and identity theft, or for information, write Consumer Forum, P.O. Box 486, Brewer, ME 04412, visithttps://necontact.wordpress.com or email contacexdir@live.com.

Unlocking the code – FTC Scam Alert

 

Unlocking the code

by Alvaro Puig
Consumer Education Specialist, FTC

Identity thieves may already have a lot of information about you – like your credit card number, the card’s expiration date, and your name, address, and phone number. With all that information in his hands, why would he call you? He’s after one vital piece of information – the security code on your credit card.

Read more >

Attorney General Announces Consumer Settlement against “Bath Fitter”

March 26, 2015

(AUGUSTA) Attorney General Janet T. Mills announced today that the Maine Office of the Attorney General has settled a case against National Bath Systems, LLC, d/b/a Bath Fitter (“Bath Fitter”), of Portland, Maine. The complaint alleged violations of the Maine Unfair Trade Practices Act.

Attorney General Mills alleged that Bath Fitter engaged in unlicensed plumbing activities, used non-conforming construction contracts, installed plumbing before a plumbing permit issued, misrepresented employees’ license status, and engaged in plumbing installations that may violate the Maine State Internal Plumbing Code. As part of the settlement, Bath Fitter will comply with Maine law. The consumer complaint initiating this case was made through the Maine Office of Professional and Occupational Regulation.

The settlement was reached by consent judgment, which prohibits certain activities and requires a penalty of up to $750,000 with a portion of that sum suspended for the duration of the probationary period.

Upon timely request by any homeowner with a Bath Fitter plumbing installation, Bath Fitter will provide a free inspection of the installation by an independent licensed plumber to determine compliance with the plumbing code. If the plumbing does not comply with the code, permits and corrections will be made at no cost to the consumer. Consumers have until September 1, 2015 to request an inspection.

If you have a Bath Fitter installation in your home and wish a free inspection for compliance, please call Bath Fitter at 1-855-798-4646.

Attorney General Mills stated “We are pleased that this company agreed to comply with our laws, provide work by licensed plumbers when appropriate, and ensure their installations are in full compliance.”

Credit report concerns involve more than mailings to wrong address

CONSUMER FORUM

Posted March 22, 2015, at 10:18 a.m.

Click image for “Credit Reports and Credit Scores”

This was supposed to be an easy column to write. It started out focused on the recent agreement hammered out by New York Attorney General Eric Schneiderman and Equifax, Experian and Trans Union, the Big Three among credit reporting agencies.

Then, more than 300 letters ended up in a mailbox in southern Maine. More on that shortly; we’ll begin with the background on the agreement.

Consumers who have been diligent about checking their credit reports might have been upset to learn that some of those reports are less than accurate. It’s been estimated that as many as one credit report in 20 contains significant errors. Those mistakes could adversely affect consumers’ credit scores and therefore their ability to borrow money.

After months of negotiations, the reporting agencies agreed to changes in two major areas: the way consumers can dispute errors and the types of credit data that show up in their files.

Until recently, disputes over errors in a consumer’s files have amounted to “borrower beware.” The agencies typically took the word of a creditor that a consumer’s payment was late or that some other mistake was in the creditor’s favor. The negotiated change means the agencies will hire employees to make independent reviews of consumers’ disputes, rather than siding automatically with creditors.

The second change involves medical debt. The agencies have agreed to a 180-day delay before noting on a consumer’s credit report that the individual was late paying a medical bill. It’s not always clear which family member is liable for a particular bill or what coverage might apply; other factors beyond a consumer’s control might also delay payment.

This is a significant change for consumers, says Will Lund, Superintendent of Maine’s Bureau of Consumer Credit Protection. “It makes sense to let that process settle out, to let the smoke clear, before a person’s credit history is potentially permanently impacted,” Lund told me last week.

Lund’s office has been investigating last week’s delivery of 312 letters containing other people’s credit reports to Katie Wheeler of Biddeford. Wheeler had requested a report from Equifax and was shocked to find the pile of letters from the agency. At first she thought a computer had printed hundreds of copies of her report; after opening a few, she discovered names, Social Security numbers, birth dates and other personal information of other people.

Lund said it was lucky the mailing ended up in the hands of an honest citizen, who turned them over to the agency responsible for enforcing Maine’s Fair Debt Collection Practices Act. Part of that law requires credit reporting agencies to register with his department. While Lund doesn’t expect any long-term fallout from the mailing, he said, “There are a variety of questions here relating to quality control.”

Lund said he hoped to have the documents delivered by courier to Equifax by March 23, once his office’s initial investigation was complete. He said he likely will have follow-up questions, once Equifax shares the results of its own probe with his office.

Consumer Forum is a collaboration of the Bangor Daily News and Northeast CONTACT, Maine’s all-volunteer, nonprofit consumer organization. For assistance with consumer-related issues, including consumer fraud and identity theft, or for information, write Consumer Forum, P.O. Box 486, Brewer, ME 04412, visit https://necontact.wordpress.com or email contacexdir@live.com.

Ignoring vehicle recall notices puts us all at risk

CONSUMER FORUM

Posted March 15, 2015, at 8:33 a.m.

Click image to sign up for email alert on your vehicle

If you’re one of the millions of vehicle owners who have received a recall notice and ignored it, this isn’t an attempt to shame you.

Think of it as a wake-up call. Up to one-fourth of us are riding in cars and trucks that may or may not be safe. What‘s unclear is why so many people take the risk.

By now, we’ve all heard of unintended acceleration, faulty air bags and quirky ignition switches. In fact, we’ve heard so much about so many recalls — a record number in 2014 — that we’re getting a little recall numb.

How could it be, we keep wondering, that these defects don’t get fixed? We ventured several reasons in this column back in April. Lack of awareness that a recall has been issued probably tops the list. Also, people move or sell vehicles privately, making delivery of recall notices challenging at best.

We should be past the point of mistaking a recall notice for just another hunk of junk mail. These days the envelopes must contain the words IMPORTANT SAFETY RECALL INFORMATION in bright red, capital letters.

The website of the National Highway Traffic Safety Administration ( nhtsa.gov) contains a search tool to determine if recall work has been done on a particular vehicle. Enter the Vehicle Identification Number (VIN), type the pictured numbers to prove you’re not a robot, and the database will reveal whether a vehicle involved in a recall has had the required work done.

It’s estimated that 60 million vehicles were covered by recalls last year. That was nearly double the record at the time. As many as 35 million had not been repaired as of Jan. 1, despite more robust efforts by regulators and automakers alike to get needed repairs done.

Some consumers are reluctant to take their cars or trucks to a dealer. They may have experienced or heard stories about mechanics’ finding “other necessary repairs” not covered by the recall, costing hundreds or thousands of dollars. These people may believe they’re better off to delay recall work or forgo it entirely and hope their luck doesn’t run out.

Some members of Congress have considered applying more pressure by barring re-registration of vehicles with outstanding recall work. Imposing new requirements on states from the federal level is bound to cause friction, even in the name of safety.

Earlier this month, Hyundai recalled some Elantras to fix power steering systems that reverted to manual. The company said loss of the power assist has not been considered a safety defect in the U.S. if manual steering was maintained. Hyundai said the industry has “increasingly handled similar issues through safety recalls” and it was following suit.

For government listings of all recalls, visit www.recalls.gov/nhtsa.html. That’s a page at safercar.gov, where you can also search by Vehicle Identification Number (VIN) to see if a particular vehicle has been involved in a recall.

The homepage of our blog ( https://necontact.wordpress.com) contains a section called “Product Safety and Recalls” with links to pertinent websites. The Safer Car entry contains a way to list your car for notification of future recalls.

Consumer Forum is a collaboration of the Bangor Daily News and Northeast CONTACT, Maine’s all-volunteer, nonprofit consumer organization. For assistance with consumer-related issues, including consumer fraud and identity theft, or for information, write Consumer Forum, P.O. Box 486, Brewer, ME 04412, visithttps://necontact.wordpress.com or email contacexdir@live.com.

Document prep offer isn’t illegal, but it’s still a scam

CONSUMER FORUM

By Russ Van Arsdale, executive director Northeast CONTACT
Posted March 08, 2015, at 7:29 a.m.

Click image to read “alert to corporations and non-profits”

When people rip off businesses, all consumers end up paying. That’s a key reason why consumer advocates pay attention to alerts such as the one issued last week by Maine Secretary of State Matthew Dunlap.

The secretary of state’s office includes the Division of Corporations within the Bureau of Corporations, Elections and Commissions (CEC). Maine corporations have to file reports every year. Those reports may be filed online at icrs.informe.org/nei-sos-icrs/ICRS. It is important to note that the bureau does not mail out paper forms for this purpose.

However, some business owners have reported receiving official-looking documents in the mail from something called the Maine Council for Corporations. The document looks something like the CEC’s annual report form. However, it is nothing that’s authorized by the CEC, and filling it out does not meet that office’s reporting requirements.

The letter is a solicitation, offering to draw up “corporate consent records in lieu of meeting minutes” for a fee of $125. Although the letter states correctly that Maine Council for Corporations is not a government body, some business people have mistaken the form in the mailing for a government document.

If this sounds familiar, it’s because the secretary of state issued a similar advisory last year. Mailings from a “Corporate Records Service” came from the same address (126 Western Avenue #338, Augusta, ME) and contained a similar offer. After learning of a mailing in April 2013, state officials sent emails to thousands of business owners, warning of the questionable offer.

Complaints about the misleading nature of the mailings elicit indifferent responses. The company told the Better Business Bureau, “Our order form does clearly state in bold print, we are NOT a government agency and that we do not have a contract with the government to provide our service.”

Indiana, Iowa and Wisconsin have all had legal tangles with the owners of Corporate Records Service. The settlement in Indiana included an order to mail refunds to businesses that had paid for the company’s services; other settlements involved fines.

The principals in the company also operate The Mandatory Poster Agency, which offers for sale a copy of employer laws and regulations on a laminated wall poster. Experience suggests that, almost as soon as such a poster is delivered, regulations are updated or revised; the posters are available for free anyway (www.maine.gov/labor/posters/index.html).

Dunlap said of the Maine Council for Corporations offer, “There’s nothing illegal about this … but we don’t require these documents.” Dunlap said charging $125 to prepare unnecessary paperwork is “very much like a carnival scam.”

Maine corporations are required to make annual reports to the secretary of state’s Division of Corporations by June 1. Dunlap urges business owners with questions to call that office at 624-7752.

Consumer Forum is a collaboration of the Bangor Daily News and Northeast CONTACT, Maine’s all-volunteer, nonprofit consumer organization. For assistance with consumer-related issues, including consumer fraud and identity theft, or for information, write Consumer Forum, P.O. Box 486, Brewer, ME 04412, visit https://necontact.wordpress.com or email contacexdir@live.com.

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