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.

Secretary of State Matthew Dunlap Issues Alert to Corporations and Non-Profit Entities Regarding Solicitations from Council for Corporations

03/04/2015 03:52 PM EST

PRESS RELEASE

AUGUSTA – Numerous Maine corporations have received mailings recently from a business operating under the name Maine Council for Corporations, whose address is usually listed as 126 Western Ave., #338, Augusta, ME 04330-7252. These unsolicited mailings include a form titled “2015 – Annual Records Solicitation Form” and an offer from the Maine Council for Corporations to prepare documents to compile annual corporate records, for a fee.

**Please be advised that the form provided by the Maine Council for Corporations is not a document prescribed or recognized by the Department of the Secretary of State. This is not being sent on behalf of the Department of the Secretary of State, and the records described are not required to be filed with the Secretary of State.**

The mailings from the “Maine Council for Corporations” include an official-looking document titled “2015 – Annual Records Solicitation Form” and instructions for completing the form. The Solicitation Form includes an offer from the Maine Council for Corporations to prepare “corporate consent records in lieu of meeting minutes” for a fee of $125.

The Solicitation Form looks somewhat like the CEC’s annual report form. Although the solicitation correctly states that Maine Council for Corporations is not a government agency, some corporations have confused the Solicitation Form for the CEC’s prescribed annual report.

The form provided in this mailing is not an official annual report and will not be accepted as an annual report if submitted to the Secretary of State’s Bureau of Corporations, Elections and Commissions. Additionally, the preparation of these records does not satisfy the requirements to file the annual report with the Secretary of State.

The legal deadline to file annual reports with the Secretary of State’s office is June 1st, and those reports may be filed online: http://icrs.informe.org/nei-sos-icrs/ICRS . Please note that the Division of Corporations does not mail out the annual report form.

The Bureau of Corporations, Elections and Commissions posted an alert last year about similar solicitations to Maine corporations from Corporate Records Service, whose address is identical to the address for Maine Council for Corporations.

Any corporation that has questions about the solicitation or form is encouraged to obtain advice from its lawyer or business advisor. Also, the Maine Division of Corporations can be contacted at (207) 624-7752 for information about corporate annual report and other business entity filing requirements under Maine law.

There’s no doctor-patient confidentiality on the Internet

CONSUMER FORUM

Posted March 01, 2015, at 10:03 a.m.

Click image for Norton’s information on Internet Privacy

Internet watchers have long been warning consumers about the privacy implications of tracking. Now, one researcher says simple online searches for health information could be much more harmful than previously thought.

Timothy Libert was a doctoral student at the University of Pennsylvania’s Annenberg School for Communication when he wrote his study last fall. Libert had developed a software tool he used to track Hypertext Transfer Protocol, or HTTP, activity between websites and third parties, including advertisers and data brokers.

He found that 91 percent of visits to websites triggered HTTP requests to third parties. Say you were looking for information on influenza and you clicked on “severity in winter” to learn more. The site you visited probably sent your request on to one or possibly several third-party sites interested in your searches.

Seventy percent of the third-party transmissions included information about specific symptoms, diseases or treatments. Libert designed his study to deliver results from all websites, not just health-centered ones.

Libert dug deep into the data and found that Google is the clear winner in third-party requests, collecting user information from 78 percent of pages searched; other leaders are comScore (38 percent) and Facebook (31 percent). He found data brokers Experian and Acxiom on thousands of pages as well.

While many of us still think the Internet can be searched anonymously, Consumer Affairs writer Truman Lewis says the interests people demonstrate through searching might be linked with their names. This could happen if the info is accidentally leaked, if hackers or other crooks get access to the data, or if data brokers collect the information and sell it.

Libert’s research found that a small fraction (3.24 percent) of the pages he analyzed used secure HTTP. The rest used non-encrypted HTTP connections “and thereby potentially transmitted sensitive information to third parties.”

Libert cited a critical U.S. Senate committee report on the data broker industry in 2013. One company was reportedly using “proprietary models” to create and sell lists of “domestic abuse victims,” “rape sufferers” and “HIV/AIDS patients.”

Advertisers like to assure us their data collections are anonymous. But ad tracking can discriminate in subtle ways. Sorting searchers into a category of high spenders on medical needs means those consumers likely will have less to spend on non-essential consumer goods; the trackers might consider them “undesirable” and be less likely to advertise special offers or prices to them.

The ad industry is investing serious money in computer modeling, the better to sort consumers into “buyer” and “other” categories.

Don’t look for existing law to change things. The Health Insurance Accountability and Portability Act contains strong language about the ways doctors and insurers handle your health information; those protections don’t apply to web searches.

Libert suggests that nonprofit entities — with nothing to gain from third-party exchanges — tighten systems so data leaks are avoided. For commercial concerns with a profit motive, regulators and legislators might see broad public support for applying rules about how various kinds of data may be used and how long they can and should be saved.

He also urges engineers to spend more time creating intelligent filters that keep sensitive data confidential.

Consumers might do well to use separate web browsers and email accounts with unique, strong passwords when investigating health issues.

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.

Easier to lose money than weight

CONSUMER FORUM

By Russ Van Arsdale, executive director Northeast CONTACT Posted Feb. 22, 2015, at 10:09 a.m.

Here’s a recipe for making millions on unsuspecting consumers. Buy green coffee bean extract from China for about 50 cents per bottle plus shipping, sell each bottle for $30 to $48 and gross an estimated $16 million to $26 million.

To rack up those sales, you’ll need to pass off an unscientific study as “proof” people can lose “an astounding amount of fat and weight” simply by downing your product. Advertise that there’s no need to reduce calories or increase exercise; just swallow the extract along with the seller’s worthless promises. You’ll need some TV promotion to build credibility. An appearance on the “Dr. Oz” show should do the trick. Add a few websites with names that will trigger lots of hits for your wonder product, and you’re on your way.

Dr. Oz scolded at hearing on weight loss scams (click image for FoxDC.com story)

Just don’t get caught. The Federal Trade Commission said last year the “as seen on TV” campaign was false and misleading. In May 2014, the FTC charged NPB Advertising of Tampa, Florida, with making “false and unsupported advertising claims” and with failing to disclose its news sites and testimonials were phony. The case is pending. Then, in September, the FTC charged that Applied Food Sciences of Austin, Texas, used a study it should have known was flawed to make “false and unsubstantiated weight-loss claims” to deceive consumers and sell its extract. The company settled that case for $3.5 million. In September, Dr. Oz announced on his website the study had been retracted. “This sometimes happens in scientific research,” Oz wrote at the time. Last month, the FTC settled charges against Lindsey Duncan and two companies he controls: Pure Health LLC and Genesis Today Inc. Under the settlement, Duncan and his companies have to pay $9 million in consumer redress and refrain from making deceptive claims about green coffee bean extract or any other dietary supplement or drug product. Several critics of the settlement cited a “chilling effect” and voiced fears other manufacturers might hesitate to advertise true claims about products. In a statement, FTC Chairwoman Edith Ramirez said she and the other two commissioners supporting the settlement are “more concerned about other marketers’ incentive to emulate the defendants’ conduct, believing that they will ultimately retain the lion’s share of their ill-gotten gains.” You can review a timeline of the FTC’s actions at nutritionaction.com. On the homepage, look for the article titled “Watch Out for Deceitful Marketing of Dietary Supplements” under “Daily Tips.” Then do a web search for “green bean coffee extract.” We’re betting a wide majority of the 1.58 million hits are still touting weight-loss myths. To lose weight and keep if off, eat fewer calories and increase activity. To learn more about possibly getting some money back if you bought green coffee bean extract, visit the FTC website at consumer.ftc.gov/features/feature-0008-getting-your-money-back.

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.

Bangor library offers many resources for downloading ebooks – The Weekly

Posted Feb. 16, 2015, at 4:11 p.m.
by Ardeana Hamlin
of The Weekly Staff

Area libraries have many sources for accessing ebooks that can be downloaded to ereaders and other mobile devices.

With the popularity of ereaders on the rise, and the advent of reading books on tablets or other mobile devices, public libraries have added resources that offer free downloads of ebooks, texts, documents, audiobooks and music.

Linda Oliver, head of reference at Bangor Public Library, said that the Maine InfoNet Download Library, a collection of ebooks leased from the vendor, Overdrive, a global digital distribution company, is one source where library patrons can download ebooks. Bangor Public Library is one of many libraries in Maine which participates in Maine InfoNet, Oliver said. “It’s one of the services libraries purchase ebooks from,” she said.

Ebook borrowers must have a valid library card from a participating library in order to use the service. Books may be checked out for up to two weeks. As many as three books may be  borrowed at a time, including audiobooks, or a combination of ebooks and audiobooks. The materials come in a variety of formats, including Kindle and ePub. Borrowers cannot renew a title. Once the two-week borrowing time elapses, the ebook no longer can be accessed.

Brewer Public Library, Edythe Dyer Library in Hampden and Orono Public Library also are Maine InfoNet Download Library participants.

“Bring your device to the library and we can help you through it [the ebook downloading process],” OIiver said.

One of the advantages of reading on a mobile device, she said, is that every book is potentially a large print book. You can bump up the type size or alter the amount of backlighting to suit personal, individual visual needs.

The library also has other ebook resources available, including a link at the library’s website to Project Gutenberg — gutenberg.org — which offers books with expired copyrights, generally books published in the late 19th to early 20th centuries.

“I think it [reading on mobile devices] is becoming more and more popular. As the price [of devices] goes down, it has become very popular. We see our stats going up quite a bit,” Oliver said. “We have people come into the library on a regular basis to ask us to help them get started using ereaders. People who are passionate readers read in any format.”

Another source is the Hathi Trust, hathitrust.org, a partnership of institutions that has created a digital repository of items in their collections, Oliver said. It archives public domain materials and those that are still under copyright. The books in the public domain are often available in full view and can be read online. The books still under copyright have a limited view or only the catalog record. Most of these items are books in university collections, but it includes both fiction and nonfiction titles, she said.

Edythe Dyer Library, 269 Main Road North, in Hampden has a handout, “Where to Find Free eBooks,” available to its patrons. It contains this information:

  • Google eBookstore: books.google.com/ebooks. Many free books, though most are available for purchase. Includes new releases.
  • Scribd: scribd.com. Millions of documents including books, short stories, poems, pamphlets, brochures and government documents. Most can be read online. Downloading requires a Facebook account.
  • Participates in Maine InfoNet Download Library. Best sellers of fiction, nonfiction, young adult and children’s books. Requires a valid library card from a participating library.
  • Project Gutenberg: gutenberg.org. More than 33,000 older titles from the late 19th and early 20th centuries in many categories including fiction and nonfiction.
  • Smashwords: smashwords.com. More than 30,000 titles from mostly self-published, independent authors. Some titles are free to download, others require purchase.
  • Internet Archive, archive.org. More than 2.7 million titles, mostly nonfiction, contributed by academic libraries. Includes movies, music concert videos, audiobooks, music, podcasts, and the Internet Wayback Machine for viewing archived websites.
  • Forgotten Books: forgottenbooks.org. Nearly 10,000 titles. Some Project Gutenberg overlap.
  • Feedbooks: feedbooks.com. Thousands of ebooks, many free to download. Includes  collection of public domain items that can be read on all mobile devices.
  • Munseys: munseys.com. Offers links to thousands of out-of-print books, with more than 1,500 pulp fiction-era novels.

My favorite find at Project Gutenberg is many of the books by Maine writer Holman Day, whose “King Spruce” is considered his masterpiece. However, his “Rider of the King Log,” “The Ramrodders” and “Blow the Man Down: A Romance of the Coast” are equally enjoyable. Other gems available for free download at Project Gutenberg are books written by James Otis Kaler, who was born in Winterport in 1848. Kaler used James Otis as a pen name and at age 16 served as a reporter covering various battles during the Civil War. His “Toby Tyler, or Ten Weeks with a Circus,” published in 1881; “The Light Keepers,” published in 1906; and “Aunt Hannah and Seth,” published in 1900, are among a long list of his titles available at Project Gutenberg. Even though his novels are aimed at young readers, adults also will find them enjoyable reading.

“Be cautious when searching the Web for free ebooks,” Oliver cautioned. “Be cautious about using credit cards or giving personal information [on the Internet].”

Reverse mortgages put borrower’s heirs at risk

CONSUMER FORUM 

By Russ Van Arsdale, executive director Northeast CONTACT
Posted Feb. 15, 2015, at 7:23 a.m.

The smiling actor in the commercial suggests a reverse mortgage may be the answer to all your financial concerns.

However, the Consumer Financial Protection Bureau, or CFPB, says many have been confused and frustrated by the rules that govern this unique type of borrowing. In a reverse mortgage, a home’s equity is used as a line of credit; instead of making payments, the borrower receives a monthly payment that draws down that equity.

One problem is that reverse mortgages cannot be taken over by a family member when the borrower dies. Many family members have complained to the CFPB about their inability to be added to the loan so they can keep the family home.

Another problem is the confusing process confronting many borrowers when they try to pay off their loans. When the borrower dies, heirs have three choices: sell the home, repay the balance of the loan or pay 95 percent of the assessed value.

Some people have faced delays in getting appraisals, had appraisals done improperly or seen home values inflated so they’ve had to pay more. Many also have reported problems getting responses to questions and concerns about the loans from the parties that service them.

A third problem involves property taxes and homeowners’ insurance. These are the borrower’s responsibility, and the CFPB found some time ago that nearly 10 percent of reverse mortgage holders are at risk of foreclosure for nonpayment of those overdue costs.

Some consumers reported problems stopping the foreclosure process when they tried to pay overdue taxes. Some said their loan servicers incorrectly stated that taxes were overdue.

HUD information for senior citizens

Most reverse mortgages are insured through the Federal Housing Administration’s Home Equity Conversion Mortgage, or HECM, program. Changes apply to terms of HECM loans made after Aug. 4, 2014, so nonborrowing spouses may remain in their homes after the borrowing spouse dies.

That change is not retroactive, so the CFPB urges everyone with a reverse mortgage to do three things:

— Verify who is on the loan. Ask your reverse mortgage servicer what names are listed on the loan, and make sure the records are accurate. They may help over the phone, but we prefer consumers send a letter — and keep a copy — so there’s a written record of the inquiry.

— If only one name is on the loan, make a plan for the nonborrowing spouse. After the death of a spouse, the survivor may qualify for a repayment deferral. That would allow the surviving spouse to live in the home. If not, make a plan for other living arrangements. If you or your spouse is not on the loan but think you or he or she should be, seek legal advice right away.

— Talk to your children and heirs, and make plans for any nonborrower family members who live in the home. Make sure family members know what to expect when the reverse mortgage comes due. The mortgage servicer should be able to supply written information about options. Talk these over with your family and ask questions about anything you don’t understand.

To read more in the CFPB’s guide to reverse mortgages, visit http://files.consumerfinance.gov/f/201409_cfpb_guide_reverse_mortgage.pdf.

Maine’s Bureau of Consumer Credit Protection issues a guide called “Finding, Buying and Keeping Your Maine Home.” It’s available online at maine.gov/pfr/consumercredit/documents/MortgageGuide_RevisedOnline.pdf.

Consumers can receive a printed copy by writing to 35 State House Station, Augusta, ME 04333-0035 or calling 1-800-DEFederBT-LAW (1-800-332-8529).

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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