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How ‘liking’ a Facebook Page can build dubious credibility

5/8/2013

Posted on 5/8/2013 by

Vancouver – May 08, 2013 – Sounds ridiculous, yet many people fall prey to suspicious offerings, simply because their social network friends ‘like’ it. Better Business Bureau says companies try to gain your trust through ‘like farming,’ a practice of artificially building your reputation by offering incentives to ‘like’ a businesses Facebook.

In one example, a B.C.-based business, Today’s Draw Enterprises, Inc. offers online subscribers free access to random daily prize draws through its website: www.todaysdraw.com. The website lists dozens of subscriber testimonials who claim to have won its daily prizes which vary from $100 to $10,000. Most commonly the prizes are gift cards to variety of major retailers. The website is only asking users to provide an email for contact and some basic information. No credit card information is required, nor will your information be shared by the company.

However, to gain more entries into the draw, consumers are encouraged to share the website with their friends through “Liking” the page. In addition, if a subscriber to TodaysDraw.com wins a prize, the person is required to post a ‘like’ on Facebook and write a positive comment on the Facebook page about their winnings.

According to the contest terms, prizes will be delivered anywhere from 8-10 weeks. In complaints filed with the BBB, there were delays in delivery upwards of 18-20 weeks after winning the draw. In several cases, requests for prize payments were unanswered by the company.

One complainant had been awarded a vehicle by Today's Draw in July of 2012. The consumer accepted a cash option for approximately $8,000. The consumer received a cheque and had their image taken by a representative of the company, as per the guidelines for prize recipients. Subsequently, the consumer did not receive the funds as a stop payment had been placed on the cheque. The company requested banking information to be sent via email. The Facebook page for the company continues to feature an image of the consumer holding the cheque, despite requests by the consumer to remove the image from their promotional materials.

“The concern here is that Facebook ‘likes’ can give your friends the impression that this is a business that you can trust because you have done business with this business and had great results,” says Danielle Primrose, President and CEO of the Better Business Bureau serving Mainland British Columbia. “Users who have ‘liked’ a page will end up sharing the ‘like’ to their own networks potentially building the reputation of the company, when they have not received their prize.”

Today’s Draw Enterprises, Inc. has an F rating, the lowest rating issued by the Better Business Bureau.

Before signing up for a prize website or other investment opportunities, consider the following advice from the BBB:

Check the company out first. BBB recommends checking out the company first on www.mbc.bbb.org to look for any complaint pattern of concerns before you subscribe to services.

Read over the terms and conditions about how your information is used. Find out if your information will be shared with a third party. Also consider how your information will be further shared on your own personal social networks if you ‘like’ or provide a testimonial on a social media page or website.

Consider the impact of ‘liking’ a business on your friends. Before you like a business Facebook Page, or even an image that has a statement which you may support, consider how your ‘like’ will be shared to your networks. Without verifying the source, your ‘like’ may be inadvertently working to spam your network on behalf of a company with a dubious reputation.

Never share banking information to claim a prize. Avoid sharing any personal banking information to any company that asks for banking information to transfer money.

Coquitlam dance studio closes, leaving consumers out of pocket

5/6/2013

Posted on 5/6/2013 by

VANCOUVER, British Columbia – May 6, 2013 – Coquitlam-based, C.A.P.A. Dance and Drama School, appears to have closed its doors leaving many parents charged for dance classes that were still outstanding and dance costumes that went undelivered.

Earlier in April 2013, BBB sent a letter to the Canadian Academy of Performing Arts (C.A.P.A. Dance and Drama School) regarding a pattern of complaints claiming billing, sales practice, customer service and service and product issues.

Consumers alleged that the company failed to deliver dance costumes that had been prepaid. Other issues included billing errors related to duplicate registration charges and continuation of charges post cancellation. In many cases, consumers claimed delays in processing refunds and some consumers stated that cheques issued from the business were returned as NSF.

Other concerns related to dance services. Consumers claimed that classes at C.A.P.A. Dance and Drama School were disorganized; classes were frequently cancelled with little or no notice.

“Most consumers do not expect a business they are in an on-going relationship with to suddenly close,” says Danielle Primrose, President and CEO for Better Business Bureau serving Mainland BC. “In this case, we saw some early warning signs due to the company failing to respond to complaints.”

C.A.P.A. Dance and Drama School is not a new company, according to an arts’ website the company has been operating since 2006, although it was only locally incorporated in 2010. The company owned by Ginny Ludwig, operates in locations in Coquitlam, Port Moody and Pitt Meadows.

To date, BBB has received about 9 complaints over the past 36 months. BBB has attempted to contact the company about its closure, but could not reach the company to determine whether it has closed its doors permanently.

If looking to purchase a dance class, BBB recommends the following to consumers:

Check out the business. Thoroughly research the business offering the special. Utilize BBB Business Reviews to see the company’s BBB rating and any history of complaints. Call the local City Hall to see if the company is operating with a business license.

Read the fine print. Make sure you fully understand the terms and conditions that come with the offer. Not every business has the same policy and those changes may be reflected in the offer details.

Verify the refund policy. Before making a purchase, consumers should know the stipulations for receiving a refund. Make sure to understand both the business refund policy as well as the refund policy of the collective buying site.

Pay with a credit card. Credit cards offer additional protection in the case that you do not receive your products or coupon promotion. For non-delivery of goods or services (like in the case of company closures), you can request a credit card chargeback.

Dance classes contracts. Dance classes are continuing service contracts which should include the following:

· 10 days to cancel your contract, no matter what.

· If you decide to cancel, make sure to cancel the way the contract requires you to which is usually in person, by registered mail, or by fax.

· You can’t be locked into a membership that is longer than 2 years although it may roll over month to month automatically so make sure you know when your agreement ends.

· You have the ability to cancel under very specific circumstances such as for medical reasons or if you move more than 30km away from the facility and are not offered services in the area you have moved to.

For more information about continuing service contracts, contact: www.consumerprotectionbc.ca

Buying drugs online

4/29/2013

Posted on 4/29/2013 by

BBB warns consumers to be careful of websites offering weight loss drugs and supplements as well as online pharmacies. In many cases there is little way to know if the drugs are approved for use in Canada or to know the drugs origins.

It is dangerous to take a prescription drug without being examined in person and monitored by a health care practitioner to make sure the drug is helping you.

Risks Associated with Buying Drugs On Line

Buying drugs from Internet pharmacies that do not provide a street address and telephone number may pose serious health risks. You have no way of knowing where these companies are located, where they get their drugs, what is in their drugs, or how to reach them if there is a problem.

If you order from these sites, you may get counterfeit drugs with no active ingredients, drugs with the wrong ingredients, drugs with dangerous additives, or drugs past their expiry date. Even if these drugs do not harm you directly or immediately, your condition may get worse without effective treatment.

If you order prescription drugs without being examined and monitored by a health care practitioner, you may be misdiagnosed, and miss the opportunity to get an appropriate treatment that would help you. You may also put yourself at risk for drug interactions, or harmful side effects that a qualified health professional could better foresee.

Assuming that a weight-loss product is "safe" because it is "natural" - For example, an active component from a food substance can be extracted, concentrated, and manufactured or sold as a natural health product. While the original food may pose no risk when consumed in moderation, there could be significant risks in taking a much higher dose in the form of an extract. This may be true of certain natural health products containing highly concentrated green tea extract, some of which have been associated with serious liver problems, as opposed to the beverage, green tea, which is very safe.

Buying drugs on the Internet may also pose financial risks. In some cases, the product may not be shipped at all, or if it is coming from another country, it could be stopped at the border by Canadian authorities.

Minimizing Your Risk

Do not take any prescription drug that has not been prescribed for you by a health care practitioner who has examined you in person.

Do tell your doctor and pharmacist about all of the health products you take, including vitamin and natural health products, as well as prescription and over-the-counter drugs. They need this information to assess and advise you about potential side effects and drug interactions.

Buying drugs online

Do not do business with a website that refuses to give you a street address, telephone number, and a way of contacting a pharmacist; offers prescription drugs without a prescription, or offers to issue a prescription based on answers to an on-line questionnaire; claims to have a "miracle cure" for any serious condition; or sells products that do not have a DIN (see below) issued by Health Canada.

Do make sure you are dealing with a Canadian-based Web site that is linked to a "bricks and mortar" pharmacy that meets the regulatory requirements in your province/territory.

Finally, if you have a question or complaint about therapeutic drug products purchased on line, call Health Canada's toll-free hotline: 1-800-267-9675

Hiring a travel agent

4/23/2013

Posted on 4/23/2013 by

If you are trying to select a reliable travel agency review the following information:

1. Get referrals. Ask friends, relatives and co-workers about their travel agents and their experiences with the agents.

2. Travel agencies in British Columbia require licensing from Consumer Protection BC. To check licensing call To verify registration call Consumer Protection BC at 1-888-564-9963, or go to: www.consumerprotectionbc.ca

3. Deal with agencies that are members of a travel trade association, such as the Association of Canadian Travel Agencies. Check their status by contacting www.acta.ca.

4. Check www.bbb.org for the company's Better Business Bureau Business Review which will provide a complaint summary and rating for the company.

5. Make sure the agent has a professionally run business. Go to the agency, check it out and meet with the agents before giving them your business. Also, make sure you get along with one another. Developing a good relationship with the agent will help you.

6. Compare Fees. Hiring a travel agency will allow you to save time and money. Find out what different agencies charge for the amount of planning and booking you desire. Fees will depend on what aspects the agent books and how much research the agent is doing for the trip.

7. Inform Your Agent. The travel agent should ask many questions about the travelers and the type of travel. Notify the agent of the planned budget for the trip and the interests of the travelers. The travel agency will also be able to steer travelers towards appropriate hotels and sites.

8. Be careful of paying any agent in cash. Reputable dealers should offer credit card payment options.

9. Be careful of any deals that are too good to be true. Prices way below other advertised prices may be a red flag.

10. Read all paperwork before you sign an agreement and make sure you understand the cancellation policies and have a copy of the signed agreement with the company's information clearly stated.

TRAVEL AGENCY CLOSURES

If consumers have booked their travel through a travel agency, Consumer Protection BC recommends pursuing the following avenues to inquire into obtaining refunds:

1. If the trip was booked through a travel agent other than the original agency, ask them for assistance or to request a refund.

2. If you have purchased travel services with a credit card, call or write to find out if the charges can be reversed.

3. If you have purchased insurance, contact the carrier to confirm the coverage.

4. BC Travel Assurance Fund. Although consumers' costs may eventually be recovered through other means, all claims to the Travel Assurance Fund must be filed within six months from the date the travel services were not provided. The Travel Assurance Fund is a fund of last resort and provides possible compensation for consumers who did not receive the contracted travel services they purchased through a BC-licensed travel agent.

Eligibility to the Travel Assurance Fund is available to both consumers and BC-licensed travel agents. For more details about the Fund and to find a licensed travel agent or wholesaler, visit our website at www.travelrightsbc.ca.

TRAVEL CLUBS:

In B.C., travel clubs are included in the definition of contracts for future services under the Business Practices and Consumer Protection Authority Act. Contracts for future services must be limited to a two-year term, must include a ten-day cooling off period, and must include other protections regulated by the Act such as a refund provision.

Tips for choosing a travel club:

1. Be aware that protection through the B.C. Travel Assurance Fund is only available when travel services are purchased from a licensed B.C. travel agent.

2. Compare the bargain holidays through travel clubs with packages offered by licensed travel agents.

3. Read the fine print in the membership contract, and understand all the terms and conditions such as cancellation fees, booking restrictions, etc.

4. Be sure the contract is limited to 2 years maximum and includes a 10 day cooling off period and refund provision.

5. If they decide to cancel within the 10 day period, CANCEL IN WRITING and SEND BY REGISTERED MAIL.

Hiring a travel agent

4/23/2013

Posted on 4/23/2013 by

If you are trying to select a reliable travel agency review the following information:

1. Get referrals. Ask friends, relatives and co-workers about their travel agents and their experiences with the agents.

3. Deal with agencies that are members of a travel trade association, such as the Association of Canadian Travel Agencies. Check their status by contacting www.acta.ca.

4. Check www.bbb.org for the company's Better Business Bureau Business Review which will provide a complaint summary and rating for the company.

8. Be careful of paying any agent in cash. Reputable dealers should offer credit card payment options.

9. Be careful of any deals that are too good to be true. Prices way below other advertised prices may be a red flag.

10. Read all paperwork before you sign an agreement and make sure you understand the cancellation policies and have a copy of the signed agreement with the company's information clearly stated.

TRAVEL CLUBS:

TRAVEL AGENCY CLOSURES

If consumers have booked their travel through a travel agency, Consumer Protection BC recommends pursuing the following avenues to inquire into obtaining refunds:

1. If the trip was booked through a travel agent other than the original agency, ask them for assistance or to request a refund.

2. If you have purchased travel services with a credit card, call or write to find out if the charges can be reversed.

3. If you have purchased insurance, contact the carrier to confirm the coverage.

WHEN CONSIDERING A TRAVEL CLUB MEMBERSHIP CONSUMERS SHOULD:

1. Be aware that protection through the B.C. Travel Assurance Fund is only available when travel services are purchased from a licensed B.C. travel agent.

2. Compare the bargain holidays through travel clubs with packages offered by licensed travel agents.

3. Read the fine print in the membership contract, and understand all the terms and conditions such as cancellation fees, booking restrictions, etc.

4. Be sure the contract is limited to 2 years maximum and includes a 10 day cooling off period and refund provision.

5. If they decide to cancel within the 10 day period, CANCEL IN WRITING and SEND BY REGISTERED MAIL.

Getting Bugged? Make Sure Your Pest Management is Handled by a Pro

4/15/2013

Posted on 4/15/2013 by

Vancouver - April 15, 2013 - April is National Pest Management Month, according to the Canadian Pest Management Association. When your pest problem gets too big for a flyswatter, a mousetrap or do-it-yourself spray, it's time to call in a professional service. In the past 12 months, more than 16,000 consumers inquired the Better Business Bureau for information on pest control services.

Take the time needed to select a reputable business, and make sure you're doing business with someone you trust. BBB and CPMA recommend the following tips for finding a qualified pest management professional:

Check them out. Evaluate pest control professionals and companies that are members of local associations. Always check out the business' BBB Business Review at www.mbc.bbb.org first. Ask friends and neighbours to recommend pest control companies they have used successfully and ask how satisfied they were with the service.

Always deal with a qualified and licensed pest management company. Ask to see the Ministry of Environment certification and license or other credentials of the pest control professional that comes to solve your pest problem. You can verify whether a company is licenced by checking the ministry's website. If you would like to verify that the pesticide applicator visiting your home or business is certified, you may call the Ministry of Environment to confirm. For the Lower Mainland and Vancouver Island, you can call 604.582.5200. For all other regions in B.C., call (250) 387-9955.

Don't rush. If a sizable amount of money is involved, get bids from several pest management companies. Since you are paying for professional knowledge as well as skillful application of pesticides, look for someone whose judgment you can trust. Ask them how they incorporate integrated pest management (IPM) into their treatment plan. IPM adapts treatment plans for the particular pest involved and examines the physical and cultural conditions that are contributing to the pest. They don't just spray chemicals and leave. Pest control treatments that use integrated pest management as well as chemicals are often more effective. Of course, the use of IPM involves more labour so these treatment plans may be the reason you are hearing such a wide range of quotes.

Understand before you sign. Before signing a contract, be sure to fully understand the nature of the household pest to be exterminated, the extent of the infestation, and the work necessary to solve the problem. Find out if the pest control company has liability insurance to cover any damages to your house or furnishings during treatment. If a guarantee is given, know what it covers, how long it lasts, what you must do to keep it in force, and what kind of continuing control, prevention and management are necessary.

Don't fall for high-pressure sales tactics. Buy value, not price. It is not unusual for someone to buy the cheaper service when the pest problem was small and then need to hire the gold standard treatment because the pest becomes well established due to poor quality pest control. It may sound cheaper at first, but it may end up very expensive over time. Beware of companies that offer bargains that sound too good to be true. Be wary of companies that come to your home uninvited and offer to give your house a free inspection for pests or press you for immediate and/or costly treatments.

BBB Alert: Cold-calls claiming to be from Microsoft tech support

4/3/2013

Posted on 4/3/2013 by

Vancouver, BC - April 04, 2013 - Multiple consumers have told the BBB in British Columbia that they have been contacted by an overseas computer repair company offering virus protection and claiming to work for Microsoft.

Last year, the Canadian Anti-Fraud Centre reported over $505,000 lost to the scam with $63,000 of victim's losses from BC. This year in BC, the scam has taken over $10,000 from 38 victims ($88,000 overall).

How it works?

Consumers say they are being told by these callers that their computer has viruses and is in need of protection that only they can offer. Microsoft has no connection with these calls and will not call your home to offer virus protection. These calls are aimed at gaining remote access to your computer and collecting exorbitant fees for their services.

According to Microsoft, after gaining access to the computer, these callers can then install malicious software, steal personal information, take control of the computer remotely or direct consumers to fraudulent websites where they are asked to enter their credit card information.

Microsoft's Online Safety and Security Centre states that neither Microsoft nor its partners make unsolicited phone calls.

Several Prince George-area consumer described the caller as having a foreign accent, and according to the Canadian Anti-Fraud Centre, the origins of the calls may be from India.

The caller may make the following claims to appear legitimate:

Your computer is infected with a virus and it has ‘somehow’ reported that fact to the technical support company.
Your computer is infected with a virus and it is sending out spam emails to people.
Your computer is ‘somehow’ reporting critical software or hardware errors to the technical support company, or sending out error messages, and it is in imminent danger of breaking or failing.
Your Windows Operating System is corrupted and about to fail.

“Always be wary of cold-calls,” says Danielle Primrose, President and C.E.O. of BBB serving Mainland BC. “Never give out personal information or remote access to your computer to someone you don’t know. If they claim there is a security threat to your computer, hang up and call your computer company directly.”

BBB advises consumers follow these tips to protect themselves from scammers attempting to access their computer:

Never give control of your computer to a third party unless you can confirm that it is a legitimate representative of a computer support team with whom you are already a customer.
Never provide your credit card or financial information to someone claiming to be from tech support.
Take the caller’s information down and report it to the Canadian Anti-Fraud Centre.
If you did allow a caller to access your computer:
Change the passwords for your computer, email and online banking/credit card accounts.
Be sure to run a virus scan
Consider placing a fraud alert on your credit report if you shared personal and banking information with the scammer.

Watch out for text scams!

3/25/2013

Posted on 3/25/2013 by

March 25, 2013, VANCOUVER – British Columbians are increasingly losing money to text messaging-related scams. In 2012, more than $7,700 in losses were reported to the Canadian Anti-Fraud Centre from these kinds of schemes – a 600 per cent increase over the previous year.

To mark March’s Fraud Prevention Month - a month-long, national initiative that helps Canadians recognize, prevent and report fraudulent activities - the Ministry of Justice, Consumer Protection BC and the Better Business Bureau Mainland BC have teamed up to share important information with British Columbian consumers about texting and app scams.

You might be at risk if...

You click on text message links from unfamiliar sources.
Tips to lessen the risk:

• If you are notified via a text message about a prize you have won, confirm with the actual source independently and do not click on any links or respond to the message.

• Do not share personal information (including credit card numbers) via text messages. And remember that you should never have to pay an upfront fee to claim a prize.

You receive texts from third-party marketing companies.
Tips to lessen the risk:

• Avoid playing games where you need to share your personal data with the company. If you do play online, read the full terms and conditions to find out how the company will use your information.

• Ignore instructions to text “STOP” or “NO” to prevent future texts -- this could be a ploy by scammers to confirm they have a real, active phone number.

• Forward the texts to 7726 (SPAM on most keypads). This will alert your cell phone carrier to block future texts from those numbers.

You sign up for free apps, but don’t read the terms and conditions.

Tips to lessen the risk:

• Read all the terms and conditions when signing up for the app or game, including how the company will use your information (such as your cell phone number and email address).

• Avoid giving your credit card information to unknown sources. Read reviews about the app to see if there are any complaints about privacy or billing issues.

• Check out the app’s company at: mbc.bbb.org/Find-Business-Reviews

Learn More:

• If you have questions about your rights and responsibilities as a consumer in British Columbia, please contact Consumer Protection BC toll-free at 1 888 564-9963 or visit: www.consumerprotectionbc.ca

• For more information about Fraud Prevention Month, visit: www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/eng/h_00122.html

E-Data Destruction Day takes-on ID theft issue in BC

3/12/2013

Posted on 3/12/2013 by

Vancouver – March 13, 2013 - To celebrate national Fraud Prevention month, Better Business Bureau will be partnering with Silver Bullet Shredding, the Electronic Recycling Association and RONA to hold a free community event, E-Data Destruction Day on March 16.

Bring your old documents, hard drives, laptop, desktop, disks, CD’s, printers, faxes, telecommunication equipment, cell phones, routers, servers, switches and any other electronic material to our designated drop-off for one-day data wipe or secure destruction.

With identity fraud on the rise according to Javelin Strategy & Research used smart phones, tablets and computers are providing thieves easy access to personal information. In Canada, the Canadian Anti Fraud Centre reports over $13 million in financial losses to Canadians.

Devices contain a lot of personal data including, usernames, passwords, credit card and account numbers, addresses and even tax records and financial statements. Simply deleting files and browsing history does not completely remove this information.

“Consumers often buy new devices and computers, but the question remains, ‘How do I safely dispose of my old electronics?’” asks Danielle Primrose, president and CEO of BBB serving Mainland British Columbia. “We are pleased to work with a couple local businesses to help consumers handle their data safely.”

Come on March 16 and have your e-data destroyed through a secure and environmentally sound process for free. Electronic donations are recycled into the community to assist local non-profits organizations in BC.

If you are bringing paper to shred, the limit is 4 standard bankers’ boxes or 100 lbs per person. Please note that this event is not intended for businesses to bring their documents for shredding.

WHERE: RONA – 1150 East 3rd St., North Vancouver

WHEN: Saturday March 16th from 10am to 1pm.

WHO: OPEN TO THE METRO VANCOUVER COMMUNITY

While the event is a free community shred event, donations are encouraged to support and raise funds for The Pacific Assistance Dogs Society (PADS).

Event partners:

Silver Bullet Shredding www.silverbulletshredding.com, Silver Bullet Shredding is an award winning document destruction provider based in Burnaby, B.C. The company provides secure, conﬁdential document shredding services to small and medium-size businesses and organizations in Metro Vancouver. In 2011, Silver Bullet Shredding was the recipient of the Small Business of the Year award from the City of Burnaby and Burnaby Board of Trade.

The Electronic Recycling Association www.era.ca, is a not-for-profit recycling service that will donate their manpower and resources for the day to accept electronic materials for destruction.

Better Business Bureau serving Mainland British Columbia For 100 years, Better Business Bureau has been helping consumers find businesses they can trust. In 2012, consumers turned to BBB serving Mainland BC more than 1.3 million times for Business Reviews all available for free at www.mbc.bbb.org.

March is Fraud Prevention Month: Recognize it, Report it, Stop it!

3/1/2013

Posted on 3/1/2013 by

March is Fraud Prevention Month and this year, March 12 marks “2 Good 2 B True Day” across Canada. This day-long event was created by the Competition Bureau, as chair of the Fraud Prevention Forum, to shed light on fraud and deceptive marketing. As a partner in the Fraud Prevention Forum, Better Business Bureau is pleased to be taking part in “2 Good 2 B True Day”.

As part of 2 Good 2 B True Day, the Competition Bureau has announced its “Top 2 ‘2 Good 2 B True’ Scams”: false online testimonials and “subscription traps” on mobile devices.

False online testimonials are often online comments submitted to a “ratings” website when a business owner or an employee pretends to be an ordinary consumer and contributes a review in support of his or her own business, or unfavourably toward a competing business. False testimonials also include celebrity endorsements which have not been made by the person and contain inaccurate information.

“Subscription traps” on mobile electronic devices happen when mobile device users are tricked into subscribing for a service, unaware that there are recurring fees.

Better Business Bureau endorses the Bureau’s choices for its Top 2 and hopes Canadians become more aware of and report false online testimonials and subscription traps.

The Competition Bureau has a handy reference guide for consumers. The Canadian Edition of the Little Black Book of Scams was launched in 2012, and its online version has now been optimized for a variety of electronic platforms. Best of all, you can downloaded it for free.

More about 2 Good 2 B True Day and Fraud Prevention Month is available on the Competition Bureau’s website, at www.CompetitionBureau.gc.ca.

E-Data Destruction Day takes-on ID theft issue in BC

To celebrate national Fraud Prevention month, Better Business Bureau will be partnering with Silver Bullet Shredding, the Electronic Recycling Association and RONA to hold a free community event, E-Data Destruction Day on March 16.

With identity fraud on the rise according to Javelin Strategy & Research used smart phones, tablets and computers are providing thieves easy access to personal information. In Canada, the Canadian Anti-Fraud Centre reports over $13 million in financial losses to Canadians.

If you are bringing paper to shred, the limit is 4 standard bankers’ boxes or 100 lbs per person. Please note that this event is not intended for businesses to bring their documents for shredding.

WHERE: RONA - 1150 East 3rd St., North Vancouver

WHEN: Saturday March 16th from 10am to 1pm.

WHO: OPEN TO THE VANCOUVER COMMUNITY

Although this community shredding event is free to the public, a barbeque will be held and a portion of food-related proceeds will go to support the Pacific Assistance Dogs Society (PADS).

Look out for the BBB Public Service Announcements

Thanks to Community Service partners like the Vehicle Sales Authority, Fix Auto, and Black Brothers Painting & Restorations Ltd, BBB will be getting the message out to stop fraud in the marketplace during this spring. Look for the BBB announcements on Shaw TV and other networks like CNN, A&E and Fox News. We will have information on home improvement fraud, private vehicle selling and online advertising scams.

BBB offers wedding planning do's and don'ts

2/19/2013

Posted on 2/19/2013 by

Vancouver – February 19, 2013 - If you are planning to take the plunge, now is the time many engaged couples are beginning to plan their wedding. Better Business Bureau (BBB) warns that as many contracts are signed and deposits are made, careful vetting of each vendor is crucial.

BBB received 88 wedding-related complaints in 2012. The typical complaints involved issues with wedding clothes, flowers, photography, reception halls, catering, music, transportation, and travel packages.

Since the average wedding costs more than $15,000 the Better Business Bureau advises engaged couples and their families to make wise consumer decisions when planning a wedding, as at other times. The following suggestions can prevent problems before, after, or during your wedding:

If you are attending a bridal show, don’t get swept off your feet by a vendor.

• Before falling in love with a vendor and their services, ask if the company is available for your wedding date.

• Ask whether the special packages and pricing being offered at the bridal event are available after the show as well.

• Be careful of high-pressure sales tactics to make you commit to a product or service on the spot.

Vows work for marriage, but when hiring a vendor, get all sales promises in writing.

• Get all sales promises in writing, including specific dates, products, prices, name brands, etc. Make sure all oral agreements are included in the written contract. Cancellation policies should also be included.

• Research the vendor before signing a contract. Check out wedding vendors’ reputations in the industry and can start by reading the vendor’s BBB Business Review at www.mbc.bbb.org.

• Avoid paying in cash up-front for services. If you pay by credit cards you have protection in the event of a problem. Cheques and cash don’t offer this protection.

• Confirm all services one or two weeks prior to the event and verify all of the details agreed upon. You don't want any unpleasant surprises on your wedding day.

• Beware of deeply discounted wedding gowns. There are several online companies that offer bridal gowns at extremely low prices but try to avoid offers that are too good to be true. You may likely end up with a dress that is of poor quality or fit, or the dress may get delivered late or never at all.

Tainted love: Valentine’s scams can be heartbreakers

2/12/2013

Posted on 2/12/2013 by

Vancouver - February 12, 2013 - Valentine’s Day is a day for romance and expressions of love, but like all holidays and major events, it’s also an opportune time for scam artists to take advantage of those looking for love and steal their hearts—and their money.

“Valentine’s is an emotional time for many people,” says Danielle Primrose, BBB President and CEO. “But if you’re not careful, you could fall victim to a Valentine’s Day scam.”

For those who are searching for love or are already in a relationship, the Better Business Bureau warns people to watch out for these scams:

Online dating and social media websites invites

First, you receive invitations to connect on social media websites or dating websites. Scammers target singles of any age and in any location, creating fake profiles designed to convince their victim to send them money in the name of love.

Tips: Remember, it’s not a good idea to friend everyone who sends you an invitation. Do not reply to any message from someone you don’t know. Remember, when it comes to communicating with someone via the Internet, what you see is not always what you get. You don’t really know who’s on the other end. Don’t fall for a person who claims to be in love with you at first sight. Scammers usually use emotional ties to increase the chances of getting your money. If your match asks you to pay for the travel expenses, or money for a family emergency, there is a high probability that it is a scam.

eCards

Valentine’s Day eCards are greeting cards which come via email. While many are legitimate, others can be attempts to steal your personal information by directing the recipient to a fake website to download a virus.

Tips: Make sure you only open emails, attachments, and links from people you know and stay away from “secret admirer” eCards. Update your email filters to block any such threats. Watch out for other unsolicited emails with subject lines like “Someone just sent you an e-card” or “Send your loved one a Valentine's Day card today”.

Online gifts

Consumers filed over 500 complaints across North America regarding Valentine’s florist orders last year. In many cases flowers went undelivered, or the wrong order arrived. If you go online for a daily deal, remember, while it may seem like a good price, the company may not fulfill the order in time, especially if there are hundreds of other orders to complete. Lastly, if you go online to purchase gifts watch-out for pop-ups ads offering discounts. These ads may have terms that commit you that you've agreed to join a fee-based membership program. Then the small recurring charges will appear on your credit card or bank account.
Tips: Consumers should make sure to read the terms and conditions before making any online purchase, and check out the company’s BBB rating at www.mbc.bbb.org. Consider shopping locally with a business you know rather than one you found online.

Consumer Guide 2013 update

1/31/2013

Posted on 1/31/2013 by

BBB Consumer Guide coming in February 2013

Next time you shop, Look for the Logo. The Better Business Bureau is pleased to announce the release of the BBB Consumer Guide 2013.

From February 17-20, BBB Consumer Guides will be distributed to over 350,000 households, businesses, and high traffic areas across the Lower Mainland, from Squamish to Abbotsford through community newspapers. This annual directory is packed with contact information about our 3,500 plus trusted BBB Accredited Businesses.

The Guide is a quick reference when needing to find contact info of a business, shopping for a product, or browsing for a service. Savvy consumers always check with the BBB before hiring a service provider, making a large purchase, or donating to a charity.

Look for the Guide being delivered with your community newspaper soon. If you don’t find one at your door, copies are available at Community Centres throughout the British Columbia, for more information check: www.mbc.bbb.org/consumerguide or you can receive them by sending a 10” x 13” self addressed, postage paid envelope, to the BBB office in Vancouver:

Better Business Bureau of Mainland BC
Suite 404, 788 Beatty Street
Vancouver, B.C. V6B 2M1

BBB Interior Consumer Guide and the Community Resource Directory

BC Interior Accredited Businesses were featured in the Consumer Guide section of the Community Resource Directory, an annual publication found across the Thompson-Okanagan.

Today's savvy consumers Start with Trust and contact the BBB before hiring a service provider or making a large purchase.

The Community Resource Directory, entering its 23rd year in publishing, is a quick and valued reference when needing to find contact info on a business, shopping for a product, or simply browsing for a service. About 25,000 copies are distributed throughout Thompson-Okanagan, including community centres, libraries, government offices, and other high traffic areas.

Coverage areas include: Osoyoos - Oliver; Summerland - Ok Falls; Penticton - Peachland; West Kelowna - Kelowna; Lake Country - Oyama; Vernon - Lumby; Armstrong - Enderby; Sicamous - Salmon Arm; Kamloops - Merritt

The Consumer Guide Resource section of the Community Resource Directory is only open to advertisers who are BBB Accredited Businesses.

Better Business Bureau tips to protect yourself when selling your gold and jewellery for cash

1/30/2013

Posted on 1/30/2013 by

Vancouver - January 30, 2013 - Consumers have lots of options for selling gold, including local jewellers and pawn shops, gold buying services, gold parties in friend’s homes, pop-up events by traveling dealers, and mail-away gold buying websites.

“No matter where you choose to sell gold, it’s important to know the value of your gold as well as the reliability of the business buying the gold,” says Danielle Primrose, President and CEO of Better Business Bureau serving Mainland British Columbia. “There is often a big difference between the market value of your gold items, and what you end up receiving for it.”

Generally, complaints are concerning dissatisfaction with the amount offered for gold. With mail-away services, complaints also are about delays in receiving the cheque, or not getting gold items back when an offer is turned down, as well as difficulties getting in touch with the business.

Locally, the Better Business Bureau of Mainland BC only accredits companies who have met all of our pre-screening requirements. Some of these requirements include:

· A company must be able to explain the different ways to weigh gold and how the company weighs gold

· List refund policies, if any

· If consumer does wish to mail gold, the company must ensure consumers send gold through secure means (e.g. registered mail) and the company sends payment through secured means as well

· The company must have an actual physical location and not just a mail-drop box.

The Better Business Bureau provides the following BBB Tips to both safeguard and educate the public with regard to selling gold.

Consider your jewellery or coins market value versus its melt-value. Consider appraising your items first before deciding to melting down your gold. Jewellery stores, pawn shops, infomercial gold buyers, and online mail-in services, typically offer 20-60% of melt value, according to research by Vancouver Gold, the first BBB Accredited Business for gold buying service.

The true price of gold may not be what you receive. If gold is worth $1,600 per ounce, you aren't going to be paid $1,600 for every ounce of gold you are willing to sell. Ask what you will be paid (if an online company, make sure you ask for specifics and give details on items you’ll be sending BEFORE you send them). The going price for gold is for pure gold only.

Don’t let jewellery of different karat value be weighed together. Some dealers will weigh all jewellery together and pay you for the lowest karat value. Separate your jewellery by karat value before selling.

Keep up with the price of gold. Know how much gold is going for on the day you sell. This will help you know whether you’re being offered a fair price and will help you make a decision to sell or walk away.

Know who you’re dealing with. Check out jewellery stores and gold buyers at www.mbc.bbb.org. A BBB Business Review tells basic information about the business as well as any complaints and whether the complaints have been resolved when presented to the business by the BBB.

Top Ten Scams 2013 – Just in case a scam is around the corner

1/15/2013

Posted on 1/15/2013 by

Vancouver - January 15, 2013 - Better Business Bureau and partner organizations investigate thousands of scams every year, from the latest gimmicks to schemes as old as the hills. The Top Ten Scams are divided up into nine major categories with the top scam highlighted in each, plus our Scam of the Year.

The following Top Ten Scams list, themed “just in case a scam is around the corner,” explores how even something professional or convincing may not live up to its promises. Things can go sideways, and just in case, here are some tips even a savvy consumer can use. This list is developed jointly by the BBB, British Columbia Securities Commission, Consumer Protection BC, the Competition Bureau of Canada, the RCMP and the Vehicle Sales Authority.

TOP ADVERTISING SCAM: ADVERTISING TROLLS

Consumers posting ads to free online listings like Craigslist to sell a vehicle are the target of unlicensed telemarketing companies. These companies are trolling through online ads to find someone to make a quick buck from. Companies often guarantee to sell vehicles quickly and promise a money-back guarantee. Problem is that these guaranteed vehicle brokers rarely sell your vehicle, rarely provide refunds, and only post your own ad to other free online listings - charging you a $500 fee for things you probably could do yourself for free.

Don’t let promises of guaranteed sales persuade you into a costly ad. Never give into a verbal promises, and do not provide credit card information until you have a contract that lays out all the terms and conditions. Check the company out on www.bbb.org.

TOP LOVE SCAM: ONLINE ROMANCE SCAMS

You meet the person virtually through a social networking or dating site. Your online romance scammer builds a relationship, sometimes spending several months in building a rapport online with the intention of making you feel that you are in a romantic relationship. The person you met online turns out to be criminal who typically says that they are in a far away country and that they eventually want to meet the victim in person. Around this time, the criminal will note that they can’t afford to travel and will seek assistance from you in covering travel costs. Sometimes there’s an emergency, a sick family member for example, and that they need financial help from you to visit the sick individual. Of course, the requests for help are all a scam and the money wired by the victim, often in very large amounts, is now in the hands of the criminal.

Warning signs of a romance gone wrong: Someone has claimed to have fallen in love with you quickly. That person wants to immediately leave the dating site to use instant messaging or email. They claim to be from the U.S. or Canada but they are working overseas. They’ve asked you for money or to cash a cheque. They are coming to visit you soon but an event prevents them from visiting. They have no close family or friends to turn to when they need help.

TOP ONLINE SCAM: INTERNET INVESTMENT FRAUD

Online financial fraudsters send e-mail spam, or they approach you on a social media website or in a web forum. An internet advertisement may also lead you to a website, designed to gather your personal information, which they will use to approach you directly or to steal your identity.

Things to remember: Don’t expect to get rich quick. Be careful with your personal information. Don’t be lured by claims of ‘insider information’. Delete and block spam emails. Do your own research. Make sure you get all the information you need before you invest (don’t be rushed into an investment). Keep printed copies of all correspondence and investment information.

TOP FINANCIAL SCAM: AFFINITY FRAUD

When a scam artist targets a group of people who know each other, it is called an affinity fraud. The investment schemes they promote may change or vary over time, but the methods they use to target groups are often the same. To be successful, scam artists need to earn the trust of an influential person in a group, family, or workplace. Once they establish this bond (and this can take time), they use this connection to get their hands on the money of other people in the group. In some cases, they may even pay the influencer to help them out, never telling the person that the investment is really a scam.

Warning signs include: A new group member starts talking about wealth-building investments. The person pitching the investment uses your ethnicity, religion, occupation, or anything else they claim to have in common with you to gain your trust. Request to keep quiet about the investment because it is exclusive or only available to ‘those in the know.’

An investment that seems too closely tied to a particular religious or group belief. Go to: www.investright.org, to learn more investment red flags.

TOP SALES SCAM: CURBERS

Curbers, or unlicensed used-car “traffickers,” often acquire junk cars and then sell them from parking lots or curbsides. They advertise through local newspapers and online ads. Later, the used car you bought privately may turn out to have a liens against it, the VIN (vehicle identification number) number switched, or the odometer rolled back. In some cases, the car turns out to be stolen.

Spot a curber when they have the same phone number listed for many cars and asks, “Which car?” when you call. The price seems too good to be true. The person is selling for a friend or has a sad story, and tries to rush you into buying. A curber will not meet at their home and insists on cash. Also, look to see if the name or location on the vehicle documents does not match the curber’s ID. Be wary of any person who wants you to lie on the transfer form. Report the curber and find a licensed dealer at www.vehiclesalesauthority.com.

TOP HOME IMPROVEMENT SCAM: ROGUE DOOR TO DOOR CONTRACTORS

While some door to door sales have legitimate offers for you, beware of the rogue door to door operators who come unsolicited and promises deals that are too good to be true. These types of offers include, a deal to seal or repave your driveway, a roofer with left over material from a previous job, a furnace repair that you didn’t schedule or a gas fireplace “inspection”. These fraudulent “contractors” use high pressure sales tactics and offers of a onetime deal to entice or frighten consumers into expensive and often unnecessary home repairs.

Remember to take the time to do your due diligence. Ensure you get the company, name, address and all verbal promises are available in a written contract. Be leery if you are asked to pay in cash or a cheque with an offer to come back at another time to finish the job (you will probably never see them or your money again. Direct sales (door-to-door) contracts are regulated in BC and you have 10 days to cancel by advising the company. For more information on direct sales, contact Consumer Protection BC at 1-888-564-9963 or visit www.consumerprotectionbc.ca

TOP COMPUTER SCAM: COMPUTER VIRUS FIXING SCHEME

This scam starts when you receive a call with a warning that your computer has been infected with a virus and an offer to clean your computer. What is really happening in this computer virus fixing scheme? The scammer is trying to gain remote access to your computer and get your credit card information. The scammer will say they need remote access to provide the supposed services, and will ask for your computer passwords and related information. They will also ask for your credit card information, so they can be billed for the supposed services.

Recognize the con: If you receive an unsolicited call offering anti-virus services, requesting access to your computer or asking for credit card information, hang up! Do not click on pop-up advertisement offering anti-virus services. NEVER give an unsolicited caller access to your computer. Always buy this software from a legitimate vendor you trust.

TOP YOUTH SCAM: TWISTED TEXT PRIZES

You receive a text message. When you open it, you are surprised by a message informing you that you’ve won a major retailer’s gift card. You just need to go to a website and enter a PIN, and the card is yours. You are asked to enter the PIN and an email address. Then, you are taken to a form and instructed to fill out your name, cell number, mailing address and answer unrelated personal questions, such as “Are you interested in going back to school?” and “Are you diabetic?” When you reach the page to “claim your gift card,” you instead find yourself directed to another site to apply for a credit card. In the end, you never receive a credit card and you have given out personal information.

Ignore instructions to text “STOP” or “NO” to prevent future texts. This is a common ploy by scammers to confirm they have a real, active phone number. Forward the texts to 7726 (SPAM on most keypads). This will alert your cellphone carrier to block future texts from those numbers. If you think your text message is real, be sure it’s directing to a web address and not just a seemingly similar website name.

TOP BUSINESS SCAM: PRETENDER INVOICES

The “pretender scheme” is when scammers send you an invoice or bill requesting payment for goods or services. These invoices may state that you are past the due date for payment and threaten that non-payment will affect your credit rating. The invoices are fake and are for goods or services you haven't ordered or received. For example, you might be sent an invoice for a domain name that is very similar to your current domain name or for a small amount of stationery. The scammer hopes that you don't notice the difference and just pay the invoice.

Make sure the employee paying your invoices checks that a purchase order has been raised before they pay any invoice. Report any bogus invoice schemes to the Canadian Anti-Fraud Centre: www.antifraudcentre.ca

SCAM OF THE YEAR: BBB FAKE COMPLAINT EMAIL

Yep, it’s us – the BBB phishing scam. Hundreds of thousands, perhaps millions, of people have gotten emails that very much look like an official notice from BBB. The subject line says something like “Complaint Against Your Business,” and the instructions tell the recipient to either click on a link or open an attachment to get the details. If the recipient does either, a malicious virus is launched on their computer…a virus that can steal banking information, passwords and other critical pieces of information needed for cyber-theft.

BBB is working with security consultants and federal law enforcement to track down the source of these emails, and has already shut down dozens of hijacked websites. Anyone who has opened an attachment or clicked on a link should run a complete system scan using reputable anti-virus software. If your computer is networked with others, all machines on the network should be scanned, as well.

BBB and partners will be using the Twitter hashtag #justincase to provide helpful tips to arm you with the knowledge on how to spot scams. Add your own tips using the same

hashtag #justincase. For more information and resources, go to: www.mbc.bbb.org/top-ten-scams.

Get Ripped – Not Ripped Off!

1/8/2013

Posted on 1/8/2013 by

Each year, thousands of consumers across B.C. follow through with their New Year’s resolution to get fit by joining a fitness or health club.

Most people who join health clubs are pleased with their choices, but others are not. They have problems with high-pressure sales tactics, misrepresentations of facilities and services, broken cancellation and refund clauses and lost membership fees as a result of spas or clubs going out of business.

In 2012, the Better Business Bureau serving Mainland B.C. received over 15,700 inquiries about health clubs fitness centres and exercise & physical fitness programs and 235 complaints over a 12 month period.

Last fall, FitCity For Women closed its doors in Richmond and Burnaby, B.C., leaving many of its members out of pocket for their pre-paid memberships.

The Better Business Bureau advises consumers to consider the following tips before joining a fitness club:

Shop around. Compare clubs to find one that matches your interests and your budget. Check the company’s reliability report with the BBB before making a long-term commitment by visiting www.mbc.bbb.org or calling 604-682-2711 (1-888-803-1222 in the Interior).

Take your time. Give yourself time to make your final decision, and don’t cave in to high-pressure sales. A hasty commitment to take advantage of a limited time offer may cost you more in the long run. Ask about free trials, and see if you can sample the services and equipment before you buy.

Read the contract carefully. Get any verbal promises in writing. Determine if you can afford the payments and total cost. Make sure you’re satisfied with the cooling off period and cancellation rights. What happens if you move, lose your job, become sick, or the club relocates or closes? In the event of the latter, you may be able to use your membership card at another facility (if the club belongs to a chain or association allowing you to use another gym’s membership, for example). However, keep in mind your original purchasing decision was not based on a fitness club you’ve never been to at an inconvenient location.

Find out if the club is suitable for you. Make sure the hours and location are convenient, and that you’re satisfied that the staff is qualified and helpful. Find out what sorts of programs and fitness classes are offered to match your lifestyle, and if those programs are included in your membership fees or cost extra.

Know yourself and plan a routine. Assess how often you’re going to use the club and compare the costs of long- and short-term memberships with drop-in visits.

BBB suggests paying by credit card in case the club suddenly closes, but don’t part with any funds before signing a contract. Finally, never sign up with a club that hasn’t yet opened.

Don’t be grifted by gift card fraud

12/19/2012

Posted on 12/19/2012 by

Gift cards may take the guess work out of gift giving, but you sure don’t want to leave the recipient feeling bamboozled. Better Business Bureau and Consumer Protection BC would like to offer some smart shopping advice about gift cards.

A recent poll of over 1,150 consumers conducted by Consumer Protection BC shared that over 67% of British Columbians are planning on buying a gift card for someone this holiday season. While a gift card can make shopping easy, the cards may have hidden fees and strings attached. It’s important to read the fine print before buying and giving.

The gift card law in BC, which is enforced by Consumer Protection BC, states that most Gift cards and gift certificates (pre-paid purchase cards) issued or sold in British Columbia are not allowed to have expiry dates. There are exceptions. For example mall cards and gift certificates for a specific service can have expiry dates. Phone cards and pre-paid credit cards are not captured by the law.

Here are some helpful tips from BBB and Consumer Protection BC regarding gift card purchases:

Buy from sources you know and trust. Avoid buying gift cards from online auction sites, because the cards may be counterfeit or may have been obtained fraudulently.

Read the fine print before you buy. Is there an expiry date and when is it? Can you get an extension if you contact the business? Is there a fee to buy the card or to activate it? If you buy a card by phone or online, are there shipping and handling fees? If you don't like the terms and conditions, buy elsewhere.

See whether any fees will be deducted from the card after you purchase it. Do you have to pay if you lose the card or if you don’t use it by a certain date? Are there fees to phone the provider with a question?

Inspect the card before you buy it. Verify that none of the protective stickers have been removed. Make sure that the codes on the back of the card haven't been scratched off to reveal a PIN number. Report any damaged cards to the store selling the cards.

Give the recipient your original receipt so they can verify the card's purchase in case it is lost or stolen.

Consider the financial condition of the retailer or restaurant. Sometimes the supplier goes out of business and gift cards are not able to be redeemed.

Gift cards are still a popular choice this holiday season. Knowing what questions to ask and what the law says will help consumers make an informed choice when it comes to buying gift cards. For more information about the gift card law in BC, please visit: www.ConsumerProtectionBC.ca

Holiday shoppers need to be on look out for counterfeit goods

12/17/2012

Posted on 12/17/2012 by

Vancouver - December 18, 2012 - Cyber shoppers need to be extra careful when buying online. Even the savviest online shoppers are finding themselves stumbling onto websites selling counterfeit goods. A recent study conducted by Nielsen discovered one in five online bargain hunters browsed sites selling counterfeit products.

How the Scam Works:

Your holiday shopping list is long, but money is short. So instead of hitting the mall, you pull up Google. You type in terms like "cheap," "discount" and "outlet" followed by the name of a product. Hit the search button, and there's a one in five chance you'll end up at a website selling counterfeit goods. Make a purchase from such a site, and you end up with a fake rather than a great deal.

Many of these counterfeit sites are hard to distinguish from legitimate online retailers that sell overstocks and end-of-season clearance. One website: www.chilliwackbomberoutlet.com comes up when searching for “Canada Goose,” a popular Canadian designer jacket brand, the site states up to 50% in savings, has a logo from Canada Goose brand, and mentions Chilliwack and Toronto on several of its pages. The problem is the store is not based in Canada, but appears to be in China and is not an authorized distributor of Canada Goose jackets. A BC consumer who paid $300 for a jacket is awaiting refund from the company.

Below are tips for spotting a fake... before you make a purchase.

I'm not sure This Website is Legit. What Should I Do?

Look for the BBB seal on the website and check out the business' review on BBB.org.

Make sure the site has a contact page with a physical address and phone number. You can also check whois.net to see who owns the website. Be very wary of web registrations that are private.

To ensure your payment info is secure, look in the address box for the "s" in https:// and in the lower-right corner for the "lock" symbol.

When shopping online, pay with a credit card. Under federal law, you can dispute the charges if you do not receive the item and contest unauthorized charges. Many card issuers have "zero liability" policies which will protect you if your credit card number is stolen.

Refer to the original manufacturer’s website. In the case of Canada Goose, the company website has a Counterfeit section where you can verify URLs to see if a website is a legitimate distributor: www.canada-goose.com/counterfeit/

The RCMP also offers the following advice when looking out for counterfeit products:

Price – much lower than average, too good to be true.
Packaging – poor quality graphics, spelling mistakes, appearance.
Products normally sold as a package are being sold individually.
Missing labels, name brand or certification.

For more holiday shopping tips, go to: www.mbc.bbb.org.

Etiquette for holiday remodeling

12/4/2012

Posted on 12/4/2012 by

The holidays are a time for many to have loved one visiting our homes. And nothing can be more mortifying than having an ugly bathroom, or outdated kitchen when people come into your house to stay. Better Business Bureau offers advice on how to avoid some costly mistakes when doing a holiday renovation.

“Yes, the dreaded house guest can actually have an impact on when you do a major remodel on your home,” says Danielle Primrose, BBB president and CEO for Mainland British Columbia. “The holiday season is a popular time to get things like kitchens and baths done, but we just want consumers to be reasonable with their expectations.”

BBB sees a spike in inquiry activity for kitchens and bath remodeling from November to December each year, with nearly 5,000 inquiries last year at this time. While some homeowners are preparing for guests coming over during the holidays, other couples like to pool their money into one big gift for the home like a new kitchen or bath.

BBB would like to offer the following advice if you considering a holiday remodel:

Find a reliable contractor that can get the work done on time. Check with www.mbc.bbb.org to look the contractor’s track record or to get an estimate.

Figure out how you and your family can stay out of their way to get the job done. You can always periodically check on the contractor’s progress, but try to keep kids and pets out of the way. Also, clean out the area before the contractor works to help out.

Plan small, not big renos. Consider getting bathtub refinishing, rather than gutting your whole bathroom for a new tub. As long as everything is in good condition, maybe refinishing is all that is needed to clean up a yellow tub. You probably can’t get a whole kitchen done in four weeks, but think of doing smaller jobs, like countertop replacements, or figure out creative ways to dress up existing cabinets.

If you are planning for new floors get a commitment in writing. Think about how extensive the job will be. If the contractor has to tear up existing flooring it may take weeks to get it all done. Laminate flooring can be done over a short time, but always ask the contractor the time frame, and get a firm commitment in writing.

Manage your own expectations Just be reasonable with your contractor during a busy season, and don’t try to accomplish too much just to impress your guests.

For more consumer tips, go to: www.mbc.bbb.org

Another BBB Phishing Scam. Don’t Bite!

12/3/2012

Posted on 12/3/2012 by

Phishing scams look like legitimate email, and they are getting more sophisticated every day. What these con artists are really after is your banking and financial information. And they won’t mind destroying your computer to get it.

Once again, scammers are sending emails that appear to come from your trusted Better Business Bureau. The latest threat email states your businesses Accreditation with the BBB has been "cancelled" or "aborted." (See below for new examples).

Previous emails tell you that a complaint has been registered against your business, or that a customer has submitted a review of your business. (It doesn’t matter that you might not even OWN a business.)

The email will ask you to either click a link or download and complete an attached form, or it will ask you to click on a link to view and respond to the consumer posting. Don’t do either!

The “attached form” is actually an executable file that will drop a nasty virus onto your system. Next thing you know, you’ll see a pop-up message that claims your computer is infected with dozens of viruses, and that will offer to clean your system for a fee. If you provide your credit card or banking information to have your system cleaned, you will waste your money, and the scammers will then have access to your funds and will steal even more of your money.

The links in the bogus email are dangerous, as well. They look like a link to a BBB page, but the code behind the link will actually route your browser to a website where malware is dropped onto your computer. The malware is written in such a way that it usually passes by anti-virus programs undetected. Once the malware is in place, the scammer can sniff for your banking information (including user names and passwords), and can use your system to send more scam emails out to your contacts under your name.

11/20/2012

Posted on 11/20/2012 by
Windows and doors are typically responsible for about 40 per cent of your home's heating bill. Thermal windows are typically two to four times more efficient than older single pane windows. That means you can expect your winter heating bills to drop on average about 20 percent to 30 percent. Thermal glass is comprised of two panes of thick glass separated by an insulating spacer. The cavity created by the spacer frame provides an "air chamber" between the two panes of glass, which improves the insulating properties of the window. The two panes of glass and the insulating frame form a hermetically sealed unit that prevents the passage of air and humidity. Argon is one of the most popular gasses used to fill the space between the two (or three) panes of glass in a thermal window. Argon is considered a good insulator. Warranties are generally 10 years or greater. If you notice any condensation inside a thermal window, then humidity is finding its way into the space between the two sealed panes of glass. In most cases, this means that the seal has been damaged and the window must be replaced. In addition to the risk of the glass actually breaking, a thermal window with a damaged seal can, according to some estimates, lose up to 50 per cent of its thermal efficiency. Explaining Condensation There are some people who believe that foggy windows may be caused not only by seal failure or but by something referred to as "solar pumping". Solar pumping is described as naturally occurring during the change from day to night, where sunlight heats the inner airspace of the thermal window cavity during the day and causes the window to pressurize, which forces out small amounts of air within the window cavity through the semi-permeable seal. In the evening, as the temperature drops, the window cools and creates a low pressure area causing small amounts of air to be drawn back into the inner window cavity. The air being drawn back into the window naturally holds moisture and this moisture is absorbed by the window's desiccant material. In this scenario, the thermal pane window will eventually lose the ability to absorb condensation and fog up. The Process Many industry experts view the appearance of condensation as indication of seal failure and, therefore, a signal that it is time to have the window replaced. However, there are companies that offer a service called window restoration or "de-fogging". The process is marketed as an affordable solution to replacing foggy thermal windows. Here's how the process often works: Holes are drilled at top and bottom of the window (glass portion). A solution is often used to clean the glass and remove any stains. The moisture is removed using a one-way valve, then the holes are re-filled. During this process, the argon gas inside the windows, which provides the insulation, is removed. While this process may restore the aesthetic value of the thermal window, claims that is also restores the R-value--which is a measure of thermal resistance used in the building and construction industry--should be substantiated. Many industry experts have advised BBB that this process may not deal directly with the cause of the condensation (either a broken seal, improper installation, or a manufacturing defect) and be only a short-term solution. The process may also reduce the effectiveness of the window in terms of its energy efficiency.

11/20/2012

Posted on 11/20/2012 by
The BBB would like to warn senior citizens to be aware of an emerging telephone scam that is preying on seniors across North America. For example, when a senior citizen receives a distressed phone call from who they believe is their grandchild, and have been arrested or involved in an auto accident and needed the senior to wire money to post bail or pay for damages-usually amounting to a few thousand dollars. To protect them from this scam, the BBB would like to offer the following information: -Confirm identity. BBB is advising seniors to confirm the status of the individual by calling them directly or verifying the story with other family members before taking any further action. -Wiring money is a red flag. BBB also advises that any request to wire money through Western Union or MoneyGram should be seen as a "red flag" and an immediate tip-off that the call may be part of a scam. Funds sent via wire transfer are hard to track once received by scammers and are usually not recoverable by law enforcement or banking officials.

11/20/2012

Posted on 11/20/2012 by
Lured by the promise of astronomical profits and the chance to be part of an exclusive, international investing program, investors are once again falling prey to bogus 'prime bank' schemes. These fraudulent schemes involve the purported issuance, trading, or use of so-called 'prime' bank, 'prime' European bank or 'prime' world bank financial instruments, or other 'high yield investment programs' ('HYIP's). The fraud artists who promote these schemes often use the word 'prime' or a synonymous phrase, such as 'top fifty world banks' to cloak their programs with an air of legitimacy. They seek to mislead investors by suggesting that well regarded and financially sound institutions participate in these bogus programs. But prime bank and other related schemes have no connection whatsoever to the world's leading financial institutions or to banks with the word "prime" in their names. The Securities and Exchange Commission and other federal and state agencies are continuing to warn investors about these schemes. Prime bank programs often claim investors' funds will be used to purchase and trade 'prime bank' financial instruments on clandestine overseas markets in order to generate huge returns in which the investor will share. However, neither these instruments, nor the markets on which they allegedly trade, exist. To give the scheme an air of legitimacy, the promoters distribute documents that appear complex, sophisticated and official. The sellers frequently tell potential investors that they have special access to programs that otherwise would be reserved for top financiers on Wall Street, or in London, Geneva or other world financial centers. Investors are also told that profits of 100% or more are possible with little risk. Individuals and entities are targeted, including municipalities, charitable associations and other non-profit organizations. The promoters of these schemes have demonstrated remarkable audacity, advertising in national newspapers, such as USA Today and the Wall Street Journal. Some promoters of these schemes avoid using the term 'Prime Bank note,' and tell prospective investors that their programs do not involve prime bank instruments in an effort to demonstrate that their programs are not fraudulent. Regardless of the terminology, the basic pitch that the program involves trading in international financial instruments remains the same, and investors should continue to be vigilant against such fraud. Signs of Banking-Related Investment Fraud are Excessive Guaranteed Returns, Fictitious Financial Instrument, Extreme Secrecy, Exclusive Opportunity, and Claims Of Inordinate Complexity.

Prepaid Long Distance Phone Cards

11/20/2012

Posted on 11/20/2012 by

Consumers should take precautions when buying prepaid long distance phone cards. With the rapid growth in the prepaid long distance phone card industry, many consumers are reporting problems such as hidden fees, higher per minute rates than advertised, and less minutes provided than originally advertised.Consumers purchase prepaid long distance phone cards at various retail establishments, including convenience stores, supermarkets and newsstands, which are sold in different amounts, often ranging from $5 to $20 per card. The variety of cards is typically advertised as offering specific per minute charges depending on the country destination the potential consumer wishes to call.Prepaid cards can be used from any telephone by dialing a toll-free number listed on the card and using an authorization number that is also printed on the card. A voice prompt tells the user how much time is available on the card at the beginning of the call, and may alert them when their time is almost used up, then cuts off the call when time has run out. Before deciding to buy a prepaid phone card, the Better Business Bureau strongly suggests that consumers make sure that all significant information is clearly disclosed.

Consumers should look out for additional charges such as:

- connection fees

- minimum charges (such as charges based on a minimum of three minutes even though the call lasted 30 seconds)

- calling time restrictions

- service fees or any other surcharges

- expiry dates for the card

- any additional fees for calling overseas to a cellular phone

- maintenance fees, weekly fees or other fees that may reduce the time available.

Police & Firefighter Solicitations

11/20/2012

Posted on 11/20/2012 by

1. Ask how many police or fire fighters the organization supports and which communities it represents.

2. Find out how your money will be used. If it's for charitable purposes, ask how much goes to charity. Some organizations raise money to support the activities of unions and fraternal organizations. Contributions to a group that says it is tax-exempt are not necessarily tax-deductible.

3. Fund-raising is often connected to an event, such as a circus, or carnival or old-timers' hockey game, etc. Solicitors may suggest that you cover the cost of tickets for poor and/or handicapped individuals. Ask how many children will benefit, how they have been chosen, how the tickets will be distributed and whether transportation to the event has been arranged. Ask what happens to your money if the people for whom you have purchased tickets do NOT attend.

4. If you decide to donate, never give cash; write a cheque to the name of the organization, not to the person collecting the money.

5. If solicited by phone, don't allow an organization to send a runner to pick up your cheque; mail it.

6. Don't believe in sinuations that giving or not giving a donation will affect the protection that you receive from police or fire-fighters.

Phishing

11/20/2012

Posted on 11/20/2012 by

To avoid getting lured into a phishing scam:

- Treat unsolicited e-mail requests for financial information or other personal data with suspicion. Unsolicited means the e-mail wasn't initiated in response to an action by the consumer. Do not reply to the unsolicited e-mail or respond by clicking on a link within the unsolicited e-mail message.

- Contact the actual business that supposedly sent the e-mail to verify if it is genuine. Visit a secure Web site or call a phone number that you know to be legitimate.

- Only enter personal information on a secure Web site that you know to be legitimate. Visa or any other card issuer would never ask you to send Social Security numbers, account numbers, passwords, or PINs within an e-mail message. When entering personal data at a Web site, look for a locked padlock in the browser or https at the beginning of the Web site address to make sure the site is secure.

- Update anti-virus software and security patches to system software regularly. Phishing emails can contain viruses that may harm your computer if opened.

- Be cautious. Check your monthly statements to verify all transactions. Notify your bank immediately of any erroneous or suspicious transactions.

- In Canada, forward any suspicious e-mails to Project Phonebusters at info@phonebusters.com. In U.S.A., forward any suspicious e-mails to the Federal Trade Commission at uce@ftc.gov or file a complaint with the FTC at www.ftc.gov. You can also forward unsolicited e-mails claiming to be from Visa or your Visa card issuer to phishing@visa.com.

Pest Control - Guidelines For Selecting

11/20/2012

Posted on 11/20/2012 by

- A good place to start is to ask someone you know who has used pest control services. Inquire about the type of pest problem encountered and how satisfied were they with the service.

-Membership in the National, provincial or local pest control associations is a good indicator that the company has access to modern technical information and is committed to further education.

- Reach a complete understanding with the company before work starts; find out what the pest is, how the problem will be treated, how long the period of treatment will be, and what results can be expected.

11/20/2012

Posted on 11/20/2012 by

Here are some tips to help ensure that your cyber-shopping experience is a safe and satisfying one:

1. LOCATION: If you're interested in trying a new online merchant you're not familiar with, ask the company for its physical location (address and phone number) so you can check on its reliability with outside organizations like the Better Business Bureau (BBB).

2. CUSTOMER SATISFACTION POLICY: Determine the company's refund and return policies before you place an order. If online companies can't offer concrete commitments on how they will handle any potential problems with their products or services, reconsider doing business with them.

3. PROTECT YOUR PASSWORDS: Never give out your Internet password. When creating a password, avoid using established numbers, such as your house number, birth date, or your telephone or Social Insurance numbers. If the site asks you to create an account with a password, never use the same password you use for other accounts or sites.

4. LEAVE NOTHING TO CHANCE: Be sure you have a thorough understanding of everything involved before making an order. Be clear on the price and any shipping and handling charges. Know the terms of any product or service guarantees. Find out how long it will be before you receive your order.

5. GUARD YOUR PERSONAL INFORMATION: Only provide your credit card information online in a secure environment. Look for the prefix https://... in the Uniform Resource Locator box, which lists the website's web address to be sure that a site you are using is secure.

6. CHECK FOR RELIABILITY: Check a company out with your Better Business Bureau. For the phone number or address of the company's nearest BBB, visit the BBB's Web site at www.bbb.org. Also look for a reliability seal from a reputable online consumer protection program such as BBBOnLine (www.bbbonline.org).

7. KEEP A PAPER TRAIL: Print out the 'address' of the company site you are on--its Uniform Resource Locator (URL). The URL ensures that you are dealing with the right company. It's also a good idea to print out a copy of your order and confirmation number for your records.

8. PROTECT YOUR PRIVACY: Many online businesses are participating in online privacy seal programs like the one offered by BBBOnLine. Companies who are approved to participate in the BBBOnLine Privacy Program must post online privacy policies that meet rigorous privacy principles, open themselves up to monitoring and review, and agree to participate in consumer dispute resolution. In return, they are allowed to display a privacy seal on their e-commerce websites to let their customers know that their consumer privacy will be protected and respected.

9. LOOKS CAN BE DECEIVING: Don't rely on a professional looking website as proof of a company's quality or good reputation.

10. PAYMENT: Pay for your purchases by credit card. Credit card companies will consider chargebacks if you haven't received goods or services within the prescribed period of time specified in your cardholder agreement.

11. ONLINE FRAUD RED FLAGS: Learn to identify online fraud indicators. On the web, cyberspace crooks have the potential to perpetuate scams quickly, leaving no paper trails and bypassing all geographic boundaries.

Some common 'red flags' that strongly suggest a potential online scam include the following:

- 'It's Now or Never'/First Come, First Served: Beware of pressure for an immediate response or frantic claims of limited availability. Any legitimate company will give you time to make a wise purchasing decision.

- No Mail Please: If a seller requests payment in cash by a private courier or by cheque or money order through an overnight delivery service, be suspicious.

- 'Free' For a Price: Don't trust an offer for 'free' products or services that later asks you to send money or pay an upfront fee.

- Dazzling Presentation: Scam business advertisements, particularly those sent by e-mail, are often brimming with excessive CAPITAL LETTERS, dollar $ign$ and !!!exclamation points!!! It's also not uncommon for these ads to include misspellings or grammatical errors. Con artists hope that a glitzy website or flashy e-mail ad will blind consumers into falling for a scam.

- 'Get Rich Quick' Appeals: Con artists know exactly how to scam consumers who want to make big money quickly with little work or effort. The explosion of e-commerce and internet-related businesses has made it easy for cyberspace crooks to con eager buyers into believing that hundreds of dollars invested in an internet business will instantly turn into thousands of dollars in profit overnight. But the only person likely to make easy money in such schemes is the con artist.What do BC's consumer protection laws say?If you have entered into the contract over the phone, or internet, it may be considered a Distance Sales Contract under the Business Practices and Consumer Protection Act.Definition: A Distance Sales Contract by definition is a contract for the supply of goods or services between a supplier and a consumer that is not entered into in person and, with respect to goods, for which the consumer does not have the opportunity to inspect the goods that are the subject of the contract before the contract is entered into. Contracts & Cancellation Rights-Before you an item online, it's important to know what you are agreeing to in the contract. Know what is being sold, the total price, the delivery date, the return and cancellation policy and the terms of any guarantee.

-A supplier must give you, the consumer who enters into a distance sales contract, a copy of the contract within 15 days after the contract is entered into.

-By law, consumer cancellation rights and other required information must be included on the contract and disclosed to you.

-You may cancel the contract not later then 7 days after the date the consumer receives a copy of the contact if certain disclosure requirements were not made.

-You may cancel the contract not later then 30 days after the date the contract is entered into if the supplier does not provide the consumer with a copy of the contract within 15 days after the contact is entered into.

-You may cancel the contract at anytime before the goods or services are delivered if the goods or services to be delivered under the contact are not delivered to you within 30 days of the supply date.

-To cancel the contract you must notify the business, in writing. You should be able to prove the date you sent the cancellation notice so it's important to keep a copy of the notice and any supporting documentation relating to your purchase and cancellation.

-There is a lot to know about distances sales contracts and the Business Practices & Consumer Protection Act.

For more information, please contact CPBC at 1-888-564-9963 or visit www.bpcpa.ca

Online Auctions

11/20/2012

Posted on 11/20/2012 by

If you're looking for a hot collectible or simply a good deal, online auctions may appeal to you. But before you place a cyber-bid, consider how online auction houses work. Like a traditional 'live' auction, the highest bidder 'wins'. That's where the similarity ends because an online auction house doesn't have the merchandise, the highest bidder deals directly with the seller to complete the sale.If you're the highest bidder, the seller typically will contact you by e-mail to arrange for payment and delivery. Most sellers accept credit cards, or use a third-party escrow agent to collect your payment, the product you're buying, and process delivery of each.Be cautious if the seller asks you to pay by certified cheque or money order. Some on-line sellers have put items up for auction, taken the highest bidder's money, and never delivered the merchandise. What's more, consumers who paid by certified cheque or money order had little recourse when it came to getting their money back.

Follow These Tips BEFORE You Bid In An Online Auction:

- Try to pay by credit card. If you don't get the merchandise, you can challenge the charges with your credit card insurer.

- Ask about using an escrow agent, or paying by COD. Most escrow services charge a fee, so you may want to consider this option only for larger purchases.

- Verify the seller's identity. If you can't, avoid doing business with the seller. Some sellers may use a forged e-mail header, making it impossible to contact them if you need to.

- Ask how you'll get follow up service, if you need it. Many sellers don't have the expertise or facilities to provide service for the goods they sell. Is this important to you?

- Avoid impulse bids and purchases. Online auctions may be enticing, but are you really getting the best price?

- Ask about return policies. Returning merchandise to an online seller may be difficult.

Here Are Descriptions Of The Most Common Fraud Seen At Auctions:

- Misrepresentation: One of the oldest tricks in business. Just what it sounds like. Or more accurately, the merchandise ISN'T what it sounds like. Value, authenticity or condition may be overstated, sometimes wildly.

- Failure to ship merchandise: The merchant takes your money and runs, leaving you nothing but a lighter wallet for your troubles.

- Failure to pay: Through the use of fake money orders, bounced checks, stolen credit cards, or a number of other techniques, the buyer gets the goods and leaves the merchant with nothing in return.

- Shilling: Artificially inflating the price on an item by use of fake bids from phony user IDs or accomplices.

- Bid Shielding: Using high bids from phony accounts to run up the price and scare off potential buyers, the actual bidder then retracts the higher bids, getting the item at a much lower price than he would have otherwise.

- Piracy and counterfeiting: The sale of pirated music and software or counterfeit art, phony jewelry or gems, and forged collectibles.

- Internet Fencing: Selling stolen goods through the auction.

- Triangulation: The seller offers to send you the item (usually new, brand name goods) on approval. They then use stolen credit cards to order the item shipped to you. You pay for the goods (in cash) after receiving them, and get a visit shortly thereafter from the police. Credit card fraud and theft.

- The 'Buy and Switch': The buyer gets the merchandise and returns a similar item that has been damaged, or a fake, with the claim, 'It isn't what I expected.' The seller refunds their money, and is left with broken and unresellable product.

- Fee stacking: Fees, usually "related" to shipping costs, are added to the cost after the sale has been made.

- Loss or Damage Claims: Not always fraudulent. After all, things do get broken in transit. Often these claims are a result of the buy and switch, or careless handling by the buyer.

- Shell Auctions: No merchandise exists. The sole purpose of the auction is to get money or credit card numbers from unwary buyers.

Olympics/Major Sporting Events - Accommodation and Tickets

11/20/2012

Posted on 11/20/2012 by

Property Rentals During the Olympics and other major sporting eventsEvery year there is a multi-day major sporting event held throughout the world, be it the Winter or Summer Olympics, the World Cup of Soccer, or the Super Bowl.BBB warns those that plan to attend these events to be careful and do their homework before booking vacation rentals.Online classified advertisements have made it easier for people to find things like home rentals. However, the listings are not regulated or vetted, and prone to scams. People seeking accommodations should be wary if:* The supplier requires a substantial deposit before handing over the keys or even showing the home. Don't pay any money before inspecting the home, inside and out. If you cannot travel early enough to inspect the property, ask for a contract outlining all terms, details and conditions.* The supplier asks the renter to wire money through wire transfer services such as Western Union or MoneyGram. Money sent via wire transfer service is extremely difficult to retrieve. Once the scammers have picked it up; there is little recourse - if any - for getting the money back.* The supplier is located elsewhere and prefers to communicate via email. For example, a scammer might say they have just been relocated out of the country. Don't believe them.* The deal sounds too good to be true. Scammers will often list a rental for a very low price to lure victims. Find out how comparable listings are priced. If the rental comes in suspiciously low, walk away.Another tip for consumers is to pay with a credit card if possible, as credit card purchases often offer the protection of a 'chargeback'. Consumers may be able to cancel or reverse a credit card transaction and its associated interest charges in cases where there is evidence that the goods and services purchased were not provided to the consumer.If a consumer has suffered a loss and did book through a licensed B.C. travel agent or wholesaler, they can contact Consumer Protection BC at 1-888 564-9963 or info@consumerprotectionbc.ca. For travel and accommodation disputes:*If consumers purchased travel services through a licensed B.C. travel agent or wholesaler and did not receive the travel services they paid for, they can contact their insurance or credit card provider. If they are unsuccessful, they may be eligible for reimbursement from B.C.'s Travel Assurance Fund for consumers. See www.consumerprotectionbc.ca for information about the fund.*Tourism BC has an information and reservation service that also deals with any disputes involving Tourism BC-Approved Accommodation.See www.hellobc.com. tel: 1-888 222-8402 and fax: 1-800 563-5306Customer complaints may be over the phone, fax or mail. However, Tourism BC does not pursue complaints regarding refund issues.*For any other potential complaints against a company, consumers can file a dispute with the Better Business Bureau at www.mbc.bbb.org.*If you believe that you are a victim of fraud, contact the Canadian Anti-Fraud Centre (CAFC)1 (888) 495-8501 www.antifraudcentre-centreantifraude.cainfo@antifraudcentre.caTicketsIf you are thinking of purchasing tickets to the Olympics or other major sporting events, make sure you use caution when buying tickets from non-official sources.During past Olympic Games in Salt Lake City and Atlanta there were a significant number of complaints regarding ticket purchases. Often tickets were either fraudulent or the ticket seller could not meet the demand.BBB suggests the following advice to avoid ticket mishaps: * Buy tickets from authorized sources. Find out from the event organizer who authorized dealers are.* Organizers may have "fan-to-fan" sales to provide a safe way to buy tickets posted by other fans. * Avoid shopping for tickets through online classifieds. If you are shopping on sites like Craigslist or eBay there are no guarantees that the tickets you purchase will be legitimate or will ever even show up. * If you're buying from a private party, verify that the tickets are real. * Only buy tickets from someone you trust or from an authorized source. Buying hard tickets from someone you don't know carries a great risk - tickets may be counterfeit, but may also be authentic tickets that have either been claimed stolen or lost. Legitimate resellers should have purchased their tickets originally from an authorized source. Ask to see a receipt or paperwork showing where the tickets came from. * If you choose to buy online, you could get ripped off. Many major ticket resellers may claim to have Olympic tickets, but they may not be able to meet the demand. If you go this route, do your research and choose major companies that have a lengthy business record -- and those that sell a broad range of tickets, not just tickets to the specific event you wish to attend. * Beware of websites hastily manufactured just to sell event tickets. Check out company reports at www.mbc.bbb.org. * Check the event schedule. Some ticket brokers have been know to sell tickets for events that don't even have tickets - for example, one ticket for a short track speed skating session includes up to three events, but some online brokers have been selling each event separately despite the fact that there is no such ticket.

Office Supplies

11/20/2012

Posted on 11/20/2012 by

There are companies that will occasionally contact your business, representing themselves as your regular or new supplier. The company may specialize in copier/fax paper, toner and other office supplies and offer a great deal. Often these companies will contact a receptionist, a temporary or new employee; and, after getting a name, it may send you merchandise and/or an invoice for placement of an order. The unauthorized merchandise racket has become sophisticated, and the variations of the approach are constantly changing. The products are often inferior, inflated in price, may degrade the performance of or damage your office machines, and may void any warranties that exist on your office machines. The BBB suggests that you instruct your employees not to give out product names or model numbers of your office machines over the phone. These calls should be referred to your authorized purchasing agent. You should appoint and familiarize one person to purchase supplies and use purchase orders. Your purchasing agent should become familiar with your suppliers and the companies with which you have service contracts. When service repair workers show up at your office door, your employees should check with your purchasing agent to determine the if the service people have been authorized to perform the work, if there is any doubt. You should not sign for office supplies unless a purchase order or authorized name is given. Companies of 'office supply schemes' often use a courier to deliver the merchandise. Whereas, your regular supplier probably uses his or her own delivery service. However, if you find yourself being invoiced for unordered office supplies, you should send a registered letter to the company. Your letter should indicate: the order was unauthorized and/or misrepresented; the goods should be picked up; removal of your company's name from their list; and a refund of money, if paid for, or to cease their invoicing. Be sure to keep a copy of the letter for your files. If you continue to be billed for the unordered office supplies, you can send a complaint to the Better Business Bureau.

Nigerian Letter Schemes

11/20/2012

Posted on 11/20/2012 by

The Better Business Bureau warns businesses not to be tempted by fraudulent letters from Nigeria that offer get-rich-quick schemes. These persistent schemes are nationwide: even Better Business Bureaus have received letters offering quick profits, sometimes in the millions.The scheme, which has been perpetrated worldwide, targets small businesses, churches, and other non-profit organizations. A letter marked 'urgent' or 'confidential' arrives from Nigeria via mail, fax or email. The sender claims to be an official of a company or government ministry, or has an official-sounding name such as doctor, chief, lawyer, or prince. Some letters are written on government stationery.Although each letter may contain a slightly different appeal, the 'official' asks for urgent assistance in transferring millions of dollars of excess money out of Nigeria. The person proposes depositing the money into a trustworthy bank account, in exchange for which the account-holder will receive 30 percent or more of the transferred funds. To participate in the deal, the business or organization must provide its bank account number and the name, address, phone and fax numbers of the bank. Sometimes the person requests copies of signed but otherwise blank company letterhead and pro forma invoices.In a related scenario, a business may receive notification that it has been named as a beneficiary in the will of a wealthy Nigerian. The business then is asked to send necessary proofs of identity to secure the supposed gift.Using the provided information, the con artists can then plunder the victim's bank account. Or they may try to get money directly by requesting exorbitant payments to cover transfer fees, travel expenses, taxes, or necessary bribes before the transaction can occur. Once the money has been wired, the scammers typically disappear and are hard to trace. Needless to say, no one has ever received the promised funds, and losses from participating in illegal foreign business deals are nearly impossible to recover.Steer clear of the Nigerian Letter Scheme offering business opportunities, which has cost business victims millions of dollars and has left at least 15 North Americans missing or dead by being involved.The Better Business Bureau advises anyone receiving such a letter not to respond. Instead, send the letter to your BBB. You can also send copies to PhoneBusters at WAFL@phonebusters.com. All other inquiries can still be sent to info@phonebusters.com.If you have already LOST funds in pursuit of the above described schemes, please contact the U.S. Secret Service in Washington D.C. at 1(202) 406-5850 or in Vancouver contact Robert Bond at (604) 689-3179. Repeating, this is to report LOSSES ONLY and not to authenticate any type of ongoing or anticipated business dealing. You should also contact your local police department and/or the RCMP. If you have received a letter, but have not lost any monies to this scheme, please fax a copy of that letter to (202) 406-5031. For further information on the Net, please check the Secret Service Advance Fee Fraud Warning at http://www.secretservice.gov/alert419.shtml.

Negative Option Schemes

11/20/2012

Posted on 11/20/2012 by
For your information, the BBB reports that a Negative Option Marketing is a technique used by a seller to bill a consumer for an unsolicited service unless the consumer informs the seller he/she doesn't want the service. Negative Option Marketing does not include the delivery of, or provision of access to, books, magazines, newspapers or petroleum products. The legislation requires businesses to fully disclose the type and price of a new service and obtain the consumer's permission before demanding payment for an unsolicited service. The legislation relieves consumers of any liability to pay unless they specifically agree to purchase the services offered through a negative option. The responsibility is put back on businesses to obtain the consumer's permission. Businesses which do not comply with the ACT may be required to pay the consumer a penalty of three times the amount owing or $100, whichever is greater. Detailed information on the type and the price of the service must be disclosed to consumers within 60 days of providing an unsolicited service. Businesses cannot demand payment for the service without the consumers oral or written permission. Businesses may be subject to fines of up to $100,000 for not disclosing the full details of a negative marketing offer within the 60-day time period. Beware that mortgage renewals and roll-overs of investments like RRSPs are not included. These services are not considered a negative marketing practice because they are not new or unsolicited services.

Mystery shopping job offers

11/20/2012

Posted on 11/20/2012 by

BBB receives numerous complaints about fraudulent job offers for positions as 'Mystery Shoppers'. After responding to online ads or email solicitations, consumers report receiving a letter containing instructions and a cashier's check. The instructions usually direct the recipient to deposit the cashier's check, spend a specified amount as a'mystery shopper', and send the rest back to a named individual via Western Union or MoneyGram to complete his or her 'training in financial transactions'. In most cases, consumers report being instructed to spend a couple of hundred dollars, while the balance of the check is to be wired to an individual, often located outside of the your province or even Canada.BBB warns consumers about mystery shopping scam that is using the name of reputable companies in an attempt to defraud the public. Local businesses names are being used to convince folks that an offer to be a mystery shopper - accompanied by a phony check - is legitimate.Using the name of a legitimate company is a common ploy of scammers. In this case, the company, whose identity has been misappropriated as a division of a legitimate name, makes the mystery shopping offer even more believable.Although the funds from a deposited cheque may be available for use within 1-5 business days of deposit, in somecases, it can take several weeks for the bank to determine that the check is counterfeit or otherwise invalid. Instructions to draw money on cheques shortly after they have been deposited may be the work of unscrupulous companies attempting to take advantage of this technicality.The BBB offers following tips when considering a mystery shopping opportunity:Always check with BBB before doing business with any company at: www.mbc.bbb.org.Exercise extreme caution when considering job offers which involve the transmission of money, especially to foreign countries. In addition to potentially significant financial loss, acting on these offers also puts you in danger of unwittingly violating provincial and even federal laws. Only forward money via wire when you know and have had personal contact with the individual.-Remember that if an offer sounds too good to be true, it probably is.-Visit the Mystery Shopping Providers Association (MAPCA) website at www.mysteryshop.org for a list of reputable mystery shopping companies and opportunities. Contact the companies, not the MSPA, directly, for more information on how to become a shopper.

Multi-Level Marketing/Pyramid Schemes

11/20/2012

Posted on 11/20/2012 by

WHAT IS MULTI-LEVEL OR NETWORK MARKETING?

Multi-level marketing is a system of retailing in which consumer products are sold by independent businessmen and women (distributors) usually in customers' homes. You can set your own hours and earn money based on your efforts and ability to sell consumer products or services supplied to you, the distributor, by an established multi-level marketing company.The multi-level company also will encourage you to build and manage your own sales force by recruiting, motivating, supplying and training others to sell the products or services. A percentage based on the sales of your sales force will be your compensation, in addition to personal sales. Be advised that the network marketing industry annual average earnings for distributors in Canada are $2000 and in the US are $1000.The Competition Act of Canada limits the initial purchase into a multi-level marketing plan to a 'starters'kit', and limits the amount of inventory for each distributor. The act requires disclosure of the typical compensation earned by an average distributor, not just the high earnings. If you are considering participation in a multi-level marketing plan, be sure that the arrangements you are offered meet these requirements. If they do not, report your experience to Industry Canada (1-800-348-5358).Although it is possible to build a successful multi-level business with comparatively little start-up money, keep in mind that it is not a means of getting rich quickly or easily. Successful distributors who have recruited and trained a large number of sellers, also have to assume ongoing wholesaling and managing responsibilities as well as making sales to their own retail customers. Managing such a large network can be lucrative, but it is hard work and can become a full-time job.

WATCH OUT FOR 'PYRAMID' SCHEMES:

'Pyramid' schemes, on the other hand, concentrate mainly on the quick profits to be earned by selling the right to recruit others. The merchandise or service to be sold is largely ignored, and little or no mention is made regarding a market for the products. Pyramid scheme participants attempt to recoup their investments in products by recruiting from the ever-decreasing number of potential investors in a given area. Unless you recognize the tactics of a pyramid scheme, you may find yourself tempted to become involved. Here's a typical example: You have just been invited by a friend, neighbour or colleague to attend an 'opportunity meeting' to find out how you can earn lots of extra money. You go, thinking this may be a way to build a business on your own. In a frenzied, enthusiastic atmosphere you are told how easy it is to realize a fabulous return on your investment. A smooth-talking organizer may try to convince you that his plan is an exciting short cut to riches, easy living and early retirement. To invest you usually have to pay a large fee. The organizer may tell you that you don't have to invest (buy products, courses, etc.), but it is clear you are expected to, or would be a fool not to.You are confused. You are not really sure what the product or service is, or how it's going to be sold. Instead, the emphasis of the meeting has been on the fact that all you have to do, aside from investing your money in the program, is to get others to invest. The plan focuses more on the recruiting of other participants than on selling the product or service.Consider the results if one person recruited six distributors, each of whom, in turn, recruited six other, and carry the process through nine steps as follows: 1 6 2 36 3 216 4 1,296 5 7,776 6 46,656 7 279,936 8 1,679,616 9 10,077,696At more than ten million people for every nine steps in the distribution program, the distributors soon would be recruiting one another. In order for everyone to profit in a pyramid scheme, there would have to be a never-ending supply of potential (and willing) participants. Obviously, there isn't. When the supply runs out the pyramid collapses and most participants lose their investment.The tragic aspect of pyramid schemes is that they concentrate on and exploit people with limited means and limited knowledge of business - people who can ill afford to lose the investment they put into the program. Thousands of unsuspecting and trusting investors have lost millions of dollars by investing in pyramid schemes. Even worse, the schemes have robbed some retired persons of their life savings.Pyramid schemes are illegal throughout Canada and the United States. Keep in mind, however, that it is difficult to prosecute these schemes; most often the money invested is lost.It's always a good idea to check your Better Business Bureau for a reliability report on any company in which you are thinking about investing.

GUIDELINES FOR INVESTORS:

1. Be wary if the start-up cost for the investment is substantial. Legitimate multi-level marketing companies in Canada require a small start-up cost. Pyramid schemes, on the other hand, pressure you to pay a large amount to become a 'distributor'. The promoters behind the scheme make most of their profit on the signing up of new recruits.

2. Find out if the company will buy back inventory. If not, watch out...you could be saddled with unsold inventory. Keep in mind that legitimate companies that require you to purchase an inventory should offer and stick to inventory buy-backs for at least 80 percent of what you paid.

3. What is the consumer market for the products? If the company seems to be making money by recruiting alone, you will want to stay away! Remember, multi-level marketing depends on selling to consumers and establishing a market for quality products. Pyramid schemes, however, are not concerned with sales of the products. Rather, they focus on profits to be made on volume sales to new recruits who buy the products in order to participate in the scheme.A

CHECKLIST:

1. Before investing, get all the facts about the company, its officers, its products. Find out the start-up cost and the company's buy-back policy.

2. Get written copies of the company's marketing plan, sales literature, etc.

3. Check with others who have experience with the company and its products. Are the products actually being sold to consumers?

4. To check on a company, contact your local Better Business Bureau.

WHAT IS A LETTER OF COMPLIANCE?

A Letter of Compliance is NOT an endorsement but strictly an opinion ONLY.This opinion, under Industry Canada's Department Program of Advisory Opinions, is not binding on the Director of Investigation and Research, who is responsible for the administration of the Competition Act, nor on the party requesting the opinion. The opinion relates only to the provisions of the Competition Act and not in relation to other statutes, such as the Criminal Code of Canada. Should additional information come to Industry Canada's attention, the opinion can be revised.An opinion is not to be used for recruitment purposes by the multi-level marketing company or by participants in the plan. The purpose of the opinion is merely to inform the person requesting it whether the multi-level marketing plan would give the Director reason to initiate an inquiry under the Act. Potential participants should be aware that a positive opinion does not constitute approval of the product or marketing plan, and any representations suggesting such approval or if used for recruitment purposes, could give the Director reason to initiate an inquiry under the misleading advertising and deceptive marketing practices provisions of the Competition Act.

For further information on this subject, contact DIAL-A-LAW at (604) 687-4680.

Moving

11/20/2012

Posted on 11/20/2012 by

Tips for consumers on hiring a moving company

1. Use a company that has been in business for awhile or can offer you references which you should call.

2. Make sure you understand how much insurance the carrier has and what it covers. You may need to purchase extra insurance to protect your possessions.

3. Obtain several written estimates. Keep in mind that the lowest bid may not necessarily be the best when you consider insurance, training, experience, quality of vehicle, etc. Verify that the cost estimate includes all the items you want moved.

4. Make sure that you get any verbal promises IN WRITING. Make sure the contract specifies the dates & times of your move. Do not sign any contract with sections left blank. Carefully read and understand the contract before signing.

5. Make an inventory of the goods to be moved. Supervise the loading and unloading of the truck or arrange for someone else who has a copy of your inventory to do so. It is important to have a responsible person stay at the truck during loading and unloading.

6. If damage or loss occurs, have the driver make a special note on the inventory and/or delivery receipt, then promptly notify the company in writing, keeping a copy for your own files.

7. If your belongings will be left overnight in a truck be sure to use a company with proper climate controlled vehicles.

8. Remember, if the moving company packs everything, THEY are responsible; if you pack things, YOU are responsible.

9. Avoid the peak moving season from mid-May through late September. As demand increases, costs follows.

10. Avoid Saturday and Sunday deliveries. Movers must pay workers overtime for weekends.

11. Check invoices to ensure services charged were rendered.

12. Ask the Canada Customs and Revenue Agency for the informational booklet on how to deduct moving expenses from income taxes.

The Canadian Association of Movers has a handy Consumer Checklist for Choosing a Moving Company (www.mover.net).

Tips for companies in the moving industry

Good Practice Guidelines For Canadian Movers From Industry Canada. Canadian movers wishing to ensure continued good relations with their customers should follow these good practices:

- Provide customers with a pamphlet that outlines customer and mover rights and responsibilities, mover liability for loss or damage, optional programs available, limitations on liability and additional costs associated with each level of liability. The pamphlet should be written in plain language and be easy to understand. Where local move customers request an estimate by telephone, movers should offer to provide the pamphlet by mail, fax, or e-mail.

- Provide written estimates of costs that describe the shipment and the cost of all services requested by the customer. The estimate should be on company letterhead, and state the name, telephone number and address of the company, a full estimate of the number of boxes to be moved, the size and value of items, the cost per hour or flat rate, terms of payment, and timing of services to be provided. The estimate should be signed by both the company representative and the customer. - Abide by the terms of the estimate as provided to the customer, in compliance with all applicable laws.

- For long distance moves, tag all goods and prepare, prior to the shipment leaving the residence, a descriptive inventory of the goods to be moved that should be signed by the customer or the authorized representative who is present at origin for loading and again at destination as the goods are unloaded. A copy of this descriptive inventory should be provided to the customer prior to shipment. Any existing damage to goods should be noted in the inventory.

- Provide customers with a bill of lading at the time of pickup which clearly delineates critical customer service details such as the terms and amount of payment and the date of delivery. - When charges are based on weight, determine the weight of each shipment by the use of a certified scale at origin and if requested, provide evidence of that weight to the customer. When the actual weight exceeds the estimated weight by more than 10 percent, the mover upon request will perform a �re-weigh' of the shipment and provide evidence of the re-weigh to the customer.

- Make reasonable efforts to fulfill the arrangements made for servicing a shipment, including the performance of pickup and delivery as agreed upon. Keep customers advised of any service delays and provide them with information as to when service may be expected to be performed. This should include providing the customer with the company contact name and telephone number. - Ensure the customer receives a copy of the bill of lading or invoice on delivery, with a clear description of charges and services provided.

- Acknowledge, in writing, within 30 days of the receipt of a written loss or damage claim or delay claim, to pay, decline, make a firm compromise offer or advise the claimant of the status of the claim. Movers should also provide any reason for a delay in making a final disposition within 120 days of receipt of any documented claim for loss or damage, or for any documented claim for delay in delivery beyond the dates shown on the bill of lading, when the claim is filed by the customer within 60 days (long distance moves) or 30 days (local moves) after delivery.

- Promptly and fairly attempt to resolve disputes concerning loss or damage claims to household goods, through in-house complaints-handling and external dispute resolution processes as appropriate and available. In terms of guidance on what constitutes a fair dispute resolution process, movers should draw on the federal-provincial-territorial

Modem Hijacking

11/20/2012

Posted on 11/20/2012 by
Unexpected Long-distance Charges for Internet Use The CRTC reminds consumers to be aware of what is known as the 'Modem Hijacking Scam'. This scam can lead to unexpected long distance charges on your long distance bill. The information below will provide you with information about how these scams happen and how you can protect yourself against unexpected long distance charges. Finally, the CRTC also reminds you of your rights as a consumer. How can it happen? 'Free' Internet Services Beware of chargeable sites! How to avoid unexpected charges What to do if you are billed for unexpected charges Consumers' rights and responsibilities Who to contact for help How can it happen? The 'Modem Hijacking Scam' can lead to unexpected long distance charges on your long distance bill. This can happen when you download some programs such as entertainment programs. These programs disconnect your modem's connection to your regular Internet service provider and reconnect it to a foreign Internet service provider via an internet long-distance network. Entertainment sites may offer adult content, games, music videos or other forms of entertainment. Once you accept the entertainment website's Terms and Conditions, a computer file accesses your computer's communications software and uses your modem to dial telephone numbers that are often located in foreign countries. This results in long distances charges and/or connection fees from your long distance provider. 'Free' Internet Services Some companies offer 'free' dial-up Internet access. Users should always check the telephone number provided to access the service, especially the area code, to ensure that it is not a long-distance number. The area code consists in a prefix of three digits before the seven digits telephone number. For example, the area code for the Gatineau region is 819. Beware of chargeable sites! It is not unusual to see charges of several dollars per minute associated with the use of entertainment sites. Charges may vary depending on the time of day the connection is made, the length of time your computer is connected to the entertainment site, and the applicable rates of your long-distance plan or of the basic toll schedule. How to avoid unexpected charges: - Don't download a program from a website or source you don't know or trust. - Don't assume there is no cost - read all user agreements carefully and fully. - Don't allow children to surf the Internet unsupervised. - Don't share your password. - Don't allow anyone to install programs on your computer without your supervision. - If you subscribe to a telephone-line dedicated to your computer, ask your local telephone company to restrict long-distance calls made from that line. Telephone companies generally offer the toll restriction service for free, but may charge to remove the restrictions if you change your mind. Check with your telephone company for details. What to do if you are billed for unexpected charges - Check your web browser history folder to view a list of all sites accessed from your computer. - As a precaution, you may want to extend the time a site is kept in your browser's history file from 20 days to 45 days so that the folder is available when you get your telephone bill. - Check your browser's Help folder for instructions. Consumers' rights and responsibilities a) Definitions ILEC (incumbent local exchange carrier): the telephone company that was the original monopoly telephone company in your region (e.g. MTS in Manitoba, Bell Canada in most of Ontario and Quebec) or a successor company (e.g. Aliant in the Maritimes and Newfoundland, TELUS in most of Alberta and British Columbia). Tariffed charges: charges for telecommunications services whose rates are regulated by the CRTC. This includes local service, 911, call display and other calling features you may subscribe to. Non-tariffed charges: charges for telecommunications services whose rates are not regulated by the CRTC. This includes long distance, Internet services, and wireless telephone service. Terms of service: set out the basic rights and obligations of both the ILEC and their customers. A copy of the Terms of Service can be found in the introductory pages of the telephone directory. b) Your rights Consumers should check the Terms and Conditions of their contract with their long distance service provider. If your long distance service provider is an ILEC, its dispute procedure should be set out in the introductory pages of your telephone directory. In general, ILEC's dispute procedure outlines consumer's right to dispute charges on reasonable grounds. If your long distance service provider is not an ILEC, check the Terms and Conditions you agreed to when you signed up with your service provider. Under their Terms of Service, ILECs may not suspend or terminate local service when a consumer does not pay non-tariffed charges such as long distance charges (see Telecom Decision CRTC 2004-31 for additional information at http://www.crtc.gc.ca/archive/ENG/Decisions/2004/dt2004-31.htm). If your company is an ILEC and you pay only part of your bill (for example, everything but your long distance charges) your ILEC is not allowed to suspend or terminate your tariffed services, including local service, as long as you have paid enough to cover all of your undisputed tariffed charges. In this situation, the ILECs may use other legal means to try to recover the debt they believe is owing, but they cannot cut off your local service. c) Your responsibilities A consumer that wishes to dispute any amount showing on their telephone bill should follow the dispute procedure of their service provider. Under the Terms of Service of the ILECs, consumers who disagree with charges on their bill must still pay the undisputed charges of the bill. Who to contact for help - First, contact your telephone service provider to investigate your concerns. - If you are not satisfied with the way your complaint is handled, contact the CRTC toll-free at 1-877-249-2782 or by email using the complaints and inquiries form at http://www.crtc.gc.ca/RapidsCCM/Register.asp?lang=E.

Modem Hijacking

11/20/2012

Posted on 11/20/2012 by

Unexpected Long-distance Charges for Internet Use The CRTC reminds consumers to be aware of what is known as the 'Modem Hijacking Scam'. This scam can lead to unexpected long distance charges on your long distance bill. The information below will provide you with information about how these scams happen and how you can protect yourself against unexpected long distance charges. Finally, the CRTC also reminds you of your rights as a consumer.How can it happen?'Free' Internet ServicesBeware of chargeable sites!How to avoid unexpected chargesWhat to do if you are billed for unexpected charges Consumers' rights and responsibilitiesWho to contact for helpHow can it happen?The 'Modem Hijacking Scam' can lead to unexpected long distance charges on your long distance bill. This can happen when you download some programs such as entertainment programs. These programs disconnect your modem's connection to your regular Internet service provider and reconnect it to a foreign Internet service provider via an internet long-distance network. Entertainment sites may offer adult content, games, music videos or other forms of entertainment.Once you accept the entertainment website's Terms and Conditions, a computer file accesses your computer's communications software and uses your modem to dial telephone numbers that are often located in foreign countries. This results in long distances charges and/or connection fees from your long distance provider.'Free' Internet ServicesSome companies offer 'free' dial-up Internet access. Users should always check the telephone number provided to access the service, especially the area code, to ensure that it is not a long-distance number. The area code consists in a prefix of three digits before the seven digits telephone number. For example, the area code for the Gatineau region is 819.Beware of chargeable sites!It is not unusual to see charges of several dollars per minute associated with the use of entertainment sites. Charges may vary depending on the time of day the connection is made, the length of time your computer is connected to the entertainment site, and the applicable rates of your long-distance plan or of the basic toll schedule. How to avoid unexpected charges:- Don't download a program from a website or source you don't know or trust. - Don't assume there is no cost - read all user agreements carefully and fully. - Don't allow children to surf the Internet unsupervised. - Don't share your password. - Don't allow anyone to install programs on your computer without your supervision. - If you subscribe to a telephone-line dedicated to your computer, ask your local telephone company to restrict long-distance calls made from that line. Telephone companies generally offer the toll restriction service for free, but may charge to remove the restrictions if you change your mind. Check with your telephone company for details. What to do if you are billed for unexpected charges- Check your web browser history folder to view a list of all sites accessed from your computer. - As a precaution, you may want to extend the time a site is kept in your browser's history file from 20 days to 45 days so that the folder is available when you get your telephone bill. - Check your browser's Help folder for instructions. Consumers' rights and responsibilitiesa) DefinitionsILEC (incumbent local exchange carrier): the telephone company that was the original monopoly telephone company in your region (e.g. MTS in Manitoba, Bell Canada in most of Ontario and Quebec) or a successor company (e.g. Aliant in the Maritimes and Newfoundland, TELUS in most of Alberta and British Columbia).Tariffed charges: charges for telecommunications services whose rates are regulated by the CRTC. This includes local service, 911, call display and other calling features you may subscribe to.Non-tariffed charges: charges for telecommunications services whose rates are not regulated by the CRTC. This includes long distance, Internet services, and wireless telephone service. Terms of service: set out the basic rights and obligations of both the ILEC and their customers. A copy of the Terms of Service can be found in the introductory pages of the telephone directory.b) Your rightsConsumers should check the Terms and Conditions of their contract with their long distance service provider. If your long distance service provider is an ILEC, its dispute procedure should be set out in the introductory pages of your telephone directory. In general, ILEC's dispute procedure outlines consumer's right to dispute charges on reasonable grounds. If your long distance service provider is not an ILEC, check the Terms and Conditions you agreed to when you signed up with your service provider.Under their Terms of Service, ILECs may not suspend or terminate local service when a consumer does not pay non-tariffed charges such as long distance charges (see Telecom Decision CRTC 2004-31 for additional information at http://www.crtc.gc.ca/archive/ENG/Decisions/2004/dt2004-31.htm). If your company is an ILEC and you pay only part of your bill (for example, everything but your long distance charges) your ILEC is not allowed to suspend or terminate your tariffed services, including local service, as long as you have paid enough to cover all of your undisputed tariffed charges. In this situation, the ILECs may use other legal means to try to recover the debt they believe is owing, but they cannot cut off your local service. c) Your responsibilitiesA consumer that wishes to dispute any amount showing on their telephone bill should follow the dispute procedure of their service provider. Under the Terms of Service of the ILECs, consumers who disagree with charges on their bill must still pay the undisputed charges of the bill. Who to contact for help- First, contact your telephone service provider to investigate your concerns. - If you are not satisfied with the way your complaint is handled, contact the CRTC toll-free at 1-877-249-2782 or by email using the complaints and inquiries form at http://www.crtc.gc.ca/RapidsCCM/Register.asp?lang=E.

Modelling Agencies

11/20/2012

Posted on 11/20/2012 by

Be aware of agencies that:

- guarantee work

- use pressure tactics, discounts, promises of instant work and money

- require you take classes and workshops from them or a specified school (read on to clarify this caution)

- require you use an in-house or specified photographer (read on to clarify this caution)

- ask you to sign a contract without giving you time to think about your decision or without suggesting you check it with a lawyer or industry professional

Modelling agencies can not guarantee work and it is illegal in B.C. for an employer or agency to require a payment from anyone to obtain employment.

MODELLING AGENCIES may approach you in public places. It is advisable to request a business card and investigate the agency first. Modelling industry fees are greater than talent agency fees and caution should be exercised before paying for anything.

You will be expected to pay for photo shoots and comp cards. Unlike actors, models need portfolios. This portfolio is developed through a series of test shoots. The comp card may use some of these pictures. The format and quantity of the comp card determines the price. Again the services are not performed in-house. Agencies may only recommend photographers. Models for TV work need 8 x 10 b&w headshots as actors do. An agency portfolio is also required for your photos.Modelling agency headsheets are distributed as promotional tools. You will pay for inclusion of black & white or colour photos. You may also be expected to pay for inclusion in a promotional agency book.

A modelling agency is not a school. Specialists may be brought in to conduct occasional workshops but no in-house courses should be required. Modelling agencies that provide courses must be registered with the B.C. Private Post Secondary Education Commission. Models receive their training during on-the-job shoots.

Finally, no legitimate agency will put pressure on you to sign or pay for anything. Always read everything carefully and be sure you understand everything completely. If anything is unclear to you, take it to a lawyer or someone knowledgeable in the industry, for a second opinion.

Note: Consumers may wish to contact the Actors and Modelling Information Service in Toronto. This is a non-profit association staffed by volunteers from the industry dedicated to the education and protection of members of the general public who are interested in training and careers in the fashion and/or entertainment industries. Phone 1(416)977-3832.

Misleading Advertising & Deceptive Marketing Practices

11/20/2012

Posted on 11/20/2012 by

WHAT IS MISLEADING ADVERTISING?

Misleading advertising occurs when, in the promotion of a product or any business interest, a representation is made to the public that is false or materially misleading. If a representation could influence a consumer to buy the product or service advertised, it is material. To determine whether an advertisement is misleading, the courts consider the "general impression" it conveys, as well as its literal meaning. Misleading advertising can have serious economic consequences, especially when directed toward large audiences or when it takes place over a long period of time. It can affect both business competitors who are engaging in honest promotional efforts, and consumers.

WHAT ARE THE POSSIBLE PENALTIES?

The Competition Act applies to all representations, regardless of form, that are made to the public to promote products or business interests. In cases where a person knowingly or recklessly makes a representation to the public that is materially misleading, the matter may be dealt with as a criminal offence. On summary conviction, the person is liable to a fine of up to $200,000 and/or imprisonment for up to one year. If convicted on indictment, the person is liable to a fine at the discretion of the court and/or imprisonment for up to five years. In cases where there is no compelling evidence that a misleading representation was made knowingly or recklessly, the Competition Bureau may apply to the Competition Tribunal or other court for an order requiring the person to cease the activity, publish a corrective notice and/or pay a monetary penalty. On first occurrence, individuals are liable to penalties of up to $50,000 and corporations are liable to penalties of up to $100,000. These amounts may double for second and subsequent occurrences. The Bureau conducts its investigations in private and keeps the identity of the source and the information provided confidential . However, if someone has important evidence about an offence under the Act, that person may be asked to testify in court. The following "Do's and Do Nots" will help businesses comply with the Act.

ADVERTISING DO'S AND DO NOTS:

- Do avoid fine print disclaimers. They often fail to change the general impression conveyed by an advertisement. If you do use them, make sure the overall impression created by the ad and the disclaimer is not misleading.

- Do fully and clearly disclose all material information in the advertisement.

- Do avoid using terms or phrases in an advertisement that are not meaningful and clear to the ordinary person.

- Do charge the lowest of two or more prices appearing on a product. - Do ensure that you have reasonable quantities of a product advertised at a bargain price.

- Do, when conducting a contest, disclose all material details required by the Act before potential participants are committed to it.

- Do ensure that your sales force is familiar with these "Do's and Do Nots." Advertisers may be held responsible for representations made by employees.

- Do use the Commissioner's Program of Advisory Opinions. Contact the Information Centre for details.

- Do not confuse "regular price" with "manufacturer's suggested list price" or a like term. They are often not the same.

- Do not use "regular price" in an advertisement unless the product has been, or will be, offered for sale at that price for a substantial period of time, or a substantial volume of the product has been sold at that price.

- Do not use the words "sale" or "special" in relation to the price of a product unless a significant price reduction has occurred.

- Do not run a "sale" for a long period or repeat it every week.

- Do not increase the price of a product or service to cover the cost of a free product or service.

- Do not use illustrations that are different from the product being sold.

- Do not make a performance claim before you can prove it, even if you think it is accurate. Testimonials usually do not amount to adequate proof.

- Do not sell a product above your advertised price.

- Do not unduly delay the distribution of prizes when conducting a contest.

- Do not forget that no one actually needs to be misled for a court to find that an advertisement is misleading.

Lotteries

11/20/2012

Posted on 11/20/2012 by

The Competition Bureau has advised that this is a fraud. Scam operators are using the telephone and direct mail to entice consumers to buy chances in high-stakes foreign lotteries from as far away as Australia and Europe.Most promotions for foreign lotteries are likely to be phony. Many scam operators don't even buy the promised lottery tickets. Other buy some tickets but keep the "winnings" for themselves. In addition, lottery hustlers use the victims' bank account numbers to make unauthorized withdrawals or their credit card numbers to run up additional charges.U.S. federal law enforcement authorities are intercepting and destroying millions of foreign lottery offers before they reach consumers.If you're thinking about responding to a foreign lottery, don't do it.- Ignore all mail and phone solicitations for foreign lottery promotions. If you get what looks like lottery material from a foreign country, turn it over to your local postmaster in the U.S. or to the Competition Bureau in Canada.- By responding to just one foreign lottery offer, you've opened the door to many more bogus offers for lottery or investment "opportunities". Your name will be added to "sucker lists" that fraudulent telemarketers buy and sell.- In both the U.S. and Canada, it's illegal to play a foreign lottery - through the mail or on the telephone or Internet. Don't add insult to injury by inviting federal charges.SUMMARY: The "Gaming Control Act" of BC enacted August 19, 2002 prohibits the sale, or offer for sale, of BC lottery tickets to people outside this province. The Act also prohibits the purchase of lottery tickets for the purpose of resale whether the tickets originate inside or outside British Columbia unless that person is authorized to do so under the Act. Furthermore, it is ILLEGAL under U.S. Federal Statutes (Section 1302, Title 18, and Section 3001, Title 39) to sell offshore lottery products by mail in the United States. Federal law prohibits sending lottery material through the mail, including letters or circulars concerning a lottery, tickets or any paper claiming to represent tickets in a lottery, and payments to purchase such tickets.CONSUMERS COMPLAINTS If you have been solicited by a company selling foreign lottery tickets, you should send a complaint to: Complaint Unit - Competition Bureau, Industry Canada50 Victoria StreetHull, Quebec, K1A 0C9 Attention: Foreign Lotteries or call toll free 1-800-348-5358Consumers should also advise the Canadian Anti-Fraud Centre (CAFC), an organization that is a combined effort of the RCMP, the Ontario Provincial Police (OPP) and the Competition Bureau.Toll Free Phone: 1 (888) 495-8501 Overseas and Local: 1 (705) 495-8501 Toll Free Fax: 1 (888) 654-9426 Mailing Address: Box 686 North Bay, Ontario P1B 8J8 E-mail: info@antifraudcentre.ca In the United States, inquiries and complaints regarding foreign lotteries should be directed to:Memphis I.S.O.S.G, U.S. Postal Inspection Service225 N Humphreys BlvdMemphis, Tennessee 38161-0001 Attention: Foreign Fraud DeskConsumers can also call 1-800-372-8347(1-800-FRAUDIS) or to the Federal Trade Commission by mail at CRC-240 Washington, D.C. 20580, by telephone at 1-877-382-4357 or through the website at www.ftc.gov.If you are a U.S. resident and you have been contacted by an unknown caller or if you think you are a victim of fraud, contact "Know Fraud" at 1-877-987-3728.REMEMBER, IF IT SOUNDS TOO GOOD TO BE TRUE, IT PROBABLY IS.

Long Distance Resellers

11/20/2012

Posted on 11/20/2012 by

Long distance resellers lease facility-based carriers and sell discounted long distance services to businesses and consumers. Customers who sign up for this service will start to receive 2 bills monthly, one from your present carrier for basic service and one from the resellers for long distance service.The CRTC does NOT regulate resellers. Comparison shop and get at least 3 estimates in writing.

HERE ARE SOME THINGS TO CONSIDER IN CHOOSING A LONG-DISTANCE COMPANY:

1. Know your own calling patterns and how much you're paying now. Something might sound great when it's pitched but it might not be appropriate. Find a package that fits you. Your monthly long-distance bill should be at least $15 to $20 before it's worthwhile to consider switching.

2. Ensure you're getting the best deal possible from your current phone company, and use that for comparisons. Salespeople from competing firms tend to compare their rates to other companies' highest rates.

3. Give competing firms a couple of your phone bills and find out what they would have charged for the same calls. What will they do for you on your calls? Do the promised discounts apply to all areas and all countries? Will you be charged for incomplete calls?

4. Get references - the names and numbers of people in your area who are using that company's services. Ask them about the transmission quality, the savings, billing accuracy and customer service.

5. Hook-up fees. Equal access means firms are less likely to charge these fees.

6. Understand the billing practices and charges. Are there monthly charges? Are there minimum charges you must ring up each month before discounts take effect? What's the minimum charge per call? How are charges calculated? Ask the company's policy on late payments and what they charge on overdue amounts.

7. Find out what company is offering the service. What kind of financial resources does it have? Whom will you pay? Whom do you call about problems?

8. Don't sign long term contracts. You want to be able to get out of this with no penalties, no charges...at a moment's notice if you're not happy. Ask how much notice you will receive on rate changes.

9. Don't give out a credit card number or pay in advance. You'll want to ensure the bill is accurate before paying it.

10. What kind of services, options and plans does the company offer? Some firms offer authorization codes. For example, four students sharing a house - and a phone - could have their own codes, and their phone calls would be broken down separately on the bill.If you think you've been switched to another long distance supplier without your knowledge, or you just want to confirm who you're with, call this toll-free automated information number: 1-700-555-4141.

Limousine Services

11/20/2012

Posted on 11/20/2012 by

Before you call a limousine company be prepared to answer the following questions:

1. What size of limousine do I need? (6 passenger, 8 passenger, 10 passenger)

2. How long do I need the limousine (from the time of pick-up to my last drop-off)?

Information You Need To Ask The Limousine Company:

Record and keep handy the following information (in the event of a problem):

- Company Name:_______________

- Contact:_______________

- Do you have Passenger Transportation Authority? (If no, call the Passenger Transportation Branch)

- If yes, Passenger Transportation Reference Number

- What is your tariff rate: cost per hour ____ per package ____? (the company can only charge a rate that is on file with their limousine licence - there are different rates for different companies).

- What is the TOTAL cost for the limousine? ___________ Get it in writing

- request that they send you a written quote, confirming date, time, cost, size and expiry date of the quote.

After you have the quote in writing, please call the Duty Inspector at the Passenger Transportation Branch to confirm the rates that were given to you by the company. In the Lower Mainland, call (604) 453-4250 or fax (604) 453-4253. Outside the Lower Mainland, call toll free at 1-800-663-7867 and ask to be transferred to (604) 453-4250.For general passenger transportation inquiries, please call (604) 453-4250 or visit their website at: www.th.gov.bc.ca/rpt/.

Lasik Eye Surgery

11/20/2012

Posted on 11/20/2012 by

Many people rely on glasses and contacts to correct their vision, but some find these methods inconvenient, uncomfortable or unattractive. Lasik eye surgery is one of the newest procedures to correct vision problems. But, before you sign up for the surgery,the Better Business Bureau suggests you know the facts:

- Lasik is surgery to a very delicate part of the eye.

- Hundreds of thousands of people have had Lasik, most very successfully.

- As with any surgery, there are risks and possible complications.

- Lasik may not give you perfect vision. The American Academy of Ophthalmology (AAO) reports that 7 out of 10 patients achieve 20/20 vision, but 20/20 does not always mean perfect vision.

- Lasik is too new to know if there are any long-term ill effects beyond five years after surgery.

- Lasik surgery CANNOT be reversed.

- If you have Lasik to correct your distance vision, you'll still need reading glasses around age 45.

- You may need additional surgery called "enhancements" to get the best possible vision after Lasik.Only ophthalmologists (eye doctors) are permitted to perform Lasik.

Ask your eye doctor or optometrist for a referral to an eye doctor who performs Lasik and ask the following questions:

- How long have you been doing Lasik surgery?

- How much experience do you have with the Lasik procedure?

11/20/2012

Posted on 11/20/2012 by
SUMMARY: It should be understood that the purchase of new product marketing services is a high risk expenditure, and there is no guarantee that a profit will result. Very few ideas or inventions will eventually be produced and marketed successfully. The industry should make no promises of profit or offer guarantees of success in developing your idea. The initial service offered by these companies usually costs in the hundreds of dollars. The next phase of services, usually called representation, development or marketing, usually costs in the thousands of dollars. All costs associated with invention development are at the inventor's expense. Before paying advance fees to companies offering to make patent searches, obtain patents, determine marketability, or arrange for the manufacture or sale of patents, inventors should carefully investigate. Get a written estimate of all potential fees. Carefully read and understand the terms of the contract and make sure all verbal agreements and guarantees are put in writing. Be especially on guard if vague promises of funding for development are made as an inducement for you to pay research and development costs. Have your own attorney or agent review any agreement before signing.

Internet Service Providers

11/20/2012

Posted on 11/20/2012 by

If the thought of choosing an Internet service provider (ISP) or of switching to a new one fills you with dread, you're not alone. As more and more ISPs crop up and the options get increasingly complicated, the supposedly simple task of getting on the Internet takes on a new dimension. The Better Business Bureau suggests you do some homework before deciding on a particular provider.The first thing to look for when choosing an ISP is whether they have an access number that is a local phone call for you. Otherwise, you may end up paying the phone company more than you pay the ISP. If you reside in or near a large or medium-sized city you should have no problem finding an ISP with a local access number. However, if you live in a rural area you may not have much luck in finding one at all. If you can't find an ISP with a local access number, be sure you get the best long distance rate possible. Price is a large factor when choosing an ISP. Most providers offer a monthly fixed, flat-rate with unlimited online time. If you're only interested in surfing for brief periods at a time or you just need e-mail access, look for pricing that reflects the actual time spent online. Ask about discounts if you opt to have your payments made automatically by credit card, or for signing up for a longer period (three or more months). Keep in mind, that the lowest price is not always the best deal. Find out what features are included in the price, such as e-mail, Web page hosting, filters for downloading, etc. If you're new to the Internet, you should look for an ISP that will help you get things up and running. Ideally, look for a service that offers 24-hour, seven-day-a-week support and preferably an 800 or local phone number. Call the number at a time representative of the hours you'll be keeping and see how often you get a busy signal or get placed in a queue, and for how long. If you already have Internet access, check out the company's web site and see how informative it is and how easy it is to navigate. Look for the frequently asked questions area, which can save you time in the long run by answering those more obvious questions. Also, check the company out with your Better Business Bureau. Find out if the ISP has enough modems. Also, does it have sufficient bandwidth to the Internet to properly support all of the users who log on? Finally, ask for recommendations from friends and co-workers.

Internet Identity Fraud

11/20/2012

Posted on 11/20/2012 by

TOP 10 PERSONAL SAFETY TIPS:

1. NEVER give out your phone number, address, credit card number, SIN number on the internet.

2. BE WARY before you fill out forms. Make up addresses or postal codes or phone numbers if you are unsure. Ask yourself, where is this information going, and how much information do I want to give out to this source? If you don't 100% trust the source, then "none" is a good answer!

3. DON'T post photos of yourself on your public profiles or on your website. These photos can be stolen and manipulated by other users.

4. DON'T put personal information on your own website: this includes phone numbers, email addresses, street addresses, photos, birthdays, etc. If you do want to build your own homepage, it is suggested that you NOT do an "Info about me" site - dedicate it to a hobby of yours instead.

5. ALWAYS use a pseudonym (a.k.a. a "handle" or "username") that does not indicate your gender, age, or location and a web-mail address which is not easy to trace if you are active online in chat rooms, games sites, Napster, newsgroups or any other public forums.

6. PROTECT your personal computer and files with a virus scanner and a firewall. Run programs like Shields Up! often to make sure you're still protected.

7. DON'T speed through registration processes online: make sure you de-select automatic check boxes that might have you listed on public access searches.

8. CHECK to be sure that your connection is secure before you buy anything (look for security sign), and always LOG OUT of secure connections such as internet banking, shopping services or personal file locations online before going anywhere else online.

9. MONITOR your bank statements to be sure no-one is making unauthorized purchases on a credit card number you have used online.

10. TALK to your children and other family members who use your account to develop Appropriate Use Guidelines for your household. Make sure they know and follow the rules of behaviour online (netiquette), confirm that they will keep your private information safe and private and never give out their real names, phone numbers or other information online.

11. Beware of "Phishing""Phishing" is a term coined by computer hackers, who use email to fish the Internet hoping to hook you into giving them your logins, passwords and/or credit card information. In all these scams, the phisher first impersonates a legitimate company such as your own internet service provider, or your auction site or a financial institution. In the typical scam, you'll get an email that appears to be from a reputable company. You'll be asked to go to a special site to update your account information. Please link on this link for more information: http://www.bbbonline.org/idtheft/phishing.asp.INTERACTING ONLINE:User Names:Most systems will require you to choose a user name or "handle" to use while you are online. Make sure to choose a name that does not give out too much information about yourself, especially your age, sex and location (often abbreviated as a/s/1). This is the face you present to the world: those who choose a sexually suggestive screen name must be prepared to deal with the consequences, as they may be pursued or stalked by other users. Those who choose to use their real names online should be prepared to deal with the consequences, as they will be easy targets.Netiquette:Be aware of the rules of the road online. The fundamental rule is RESPECT: just because you can't see another user doesn't mean there isn't a human being on the other side of the computer, so stick to the same standards of behaviour you would expect were you face to face. For more information on this important topic, check out the following sites: www.cyberangels.org/internet101 (The CyberAngels' Guide, by Parry Aftab) ; www.fau.edu/netiquette/net/ (The Net: User Guidelines and Netiquette); and www.albion.com/netiquette/corerules.html (The 10 Core Rules, by Virginia Shea).Email:Have a telus address or an @home address? These services are great, but users may use your email headers to track you down or locate your computer's IP address.In addition to your home email address, get a free web-based mail account to use when you participate in public chatrooms, Internet Relay Chat, instant message services, and when you sign up for things or have to fill out forms. I would suggest getting a couple of different email addresses for your different activities. Free email address sites include www.hotmail.com, mail.yahoo.com (or .ca), and www.excite.com (or .ca).Although you may wish to have an address to use when you travel which actually looks more official, like msmith@hotmail.com, always use genderless and ageless and locationless name when you shop, fill out forms, chat, or interact online.Some good examples for public use are Frogger888@hotmail.com, blah_blah@excite.com, einstein2001@yahoo.com, and lcr22@telus.net. Some bad examples for public use are Canadian_female18@hotmail.com, Michael_McGuinness@telus.net, cutesexyxxxfun@singlegirl.com, and queenofvancouver@excite.com.PROTECT YOUR COMPUTER:Viruses:Usually spread by email, viruses range in severity from simple program errors to irreparably crashing your harddrive. Every internet user should have virus scanning software which updates itself regularly, and as there are many free versions there is no excuse. The most popular virus scanners are Norton (www.symantec.com), McAfee (www.mcafee.com), and the excellent (and free) InnoculateIT from antivirus.cai.com.Trojan Horses and Back Door Software:These programs search vulnerable computers on the internet for open and unguarded ports: they then insert a worm or small program into your computer. This way, a hacker can use their software to operate your computer from a remote location, a real and very serious threat. Trojan Defense Suite 3 is available at tds.diamondcs.com.au: this software will protect or rescue your computer from Trojan Horse viruses. A comprehensive firewall does help, but with increasing complexity in hacker programming it may not be enough.File Encryption:When you send personal files to another user on the internet, a hacker can intercept this file transfer and get a copy of your secret document. File Encryption software scrambles your files, only to be unlocked at the "other end" by a user with the key to the code. This feature would protect your documents, photos, websites, and personal information as they are sent as attachments or stored on the internet. Excellent free file encryption software is available for download from Hush (www.hush.com) or PGP (www.pgp.com).Firewalls:Protect your computer from external users via the internet. Firewalls are essentially blockades that keep unwanted users from tapping into your computer. Probably the best free firewall available is ZoneAlarm, which you can download at www.zonealarm.com, but you may also wish to check out sites like www.firewallguide.com for more information on other software.Untraditional Folder Names:Programs such as Napster or Hotline allow other users to access your files for sharing, which means that other users get to "see" some of your files on your computer. If you use programs like Napster, place your shared folder in a generic and secure location. Because the entire file location is listed along with the file name, a directory like C:/My Documents/Tony/Music/ lets a remote user will then know your name, subdirectory structure, what music you like, etc. Better to play it safe and go for a generic location like C:/MP3/.Check your computer's security with the free Shields Up! at www.grc.com.RESOURCES: WHO TO CONTACT FOR HELP:Although the traditional definition of fraud is an action taken for personal gain, usually monetary, internet users will commit fraud as part of the hacker mentality: just because they can. There is often no reason behind the crime, and often users are not acting out of a need for money or even an understanding that what they are doing is harmful. The internet affords us all a place of anonymity, and it is often easy to forget that you are dealing with a real person behind the username - both as a perpetrator and as a victim.If you suspect fraudulent use of your identity online, or that someone has stolen your credit card or personal information for their own use:- Contact your police department right away to report the abuse.- Contact abuse@server.com where the abuse is taking place. For example, abuse@yahoo.com, abuse@angelfire.ocm, and abuse@ubc.ca.- Contact your bank or credit card company to cancel your credit card immediately.- DO NOT contact the person(s) you feel are responsible for the abuse directly.- Take whatever steps you feel are necessary to ensure your personal safety (ie. Buy a call display unit, change your email address, unlist your telephone number, install a firewall or virus scanner if you don't have one already, withdraw from public fora online, etc).The best weapons against online Identity Theft are prevention, awareness, and safe behaviour while online. You may wish to check out some of the following recommended links in order to contact appropriate agencies, familiarize yourself with the law, protect your personal computer or business information, and build a repertoire of safe habits and behaviour online.Internet Fraud and Identity Theft Resources:Better Business Bureau - www.bbbvan.orgDomain name tracing - www.checkdomain.comE-Magazine on Internet Fraud - www.scambusters.orgFBI's Internet Fraud Complaint Center (US) - www.ifccfbi.govFederal Trade Commission Homepage - www.ftc.govOn credit card hacking - www.mindrape.org/media/sunday-age.rewt2.txtOnline resource for fraud info - includes ID theft section - www.verifyfraud.comPrivacy Rights: an excellent resource, including info on online fraud- www.privacyrights.orgSubscription service for e-Commerce business owners - www.antifraud.comThe Internet Fraud Watch - www.fraud.org/internet/inset.htmInternet Security Resources:Computer Incident Advisory Centre: viruses, hoaxes, trojans, worms, etc� - www.ciac.org/ciacFree file encryption software - www.hush.com or www.pgp.comInformation Systems Security Association - www.issa.orgSoftware to monitor your children's internet use - www.protectyourfamily.netSymantec's info: virus threats and hoaxes, searchable database - www.symantec.com/avcenterTest your computer's security - www.grc.comUpdates and news clips on security software and practices online - www.net-security.orgWeb Browser info - netsecurity.about.com/compute/netsecurity/library/weekly/aa032100a.htmWorld Wide Web Security FAQ - www.w3.org/Security/Faq/wwwsf7.htmlZoneAlarm: free personal firewall - www.zonealarm.comPersonal and Family Internet Safety Resources:** Cyberangels: the largest internet safety program since 1995 - www.cyberangels.orgCanada's Bill C-6: Personal Information Protection And Electronic Documents Act -www.parl.gc.ca/36/2/parlbus/chambus/house/bills/summaries/c6-e.htmFederal Trade Commission: how to protect your kids online - www.ftc.gov/bcp/conline/pubs/online/kidsprivacy.htmInternet browser for children - www.safexplorer.com or www.surfmonkey.comLycos' "guide to not getting suckered by evil online scum" - hotwired.lycos.com/webmonkey/guides/net/security.htmlLycos' internet safety page for kids - kids.infoplease.lycos.com/ipka/A0775382.htmlNetiquette information - www.fau.edu/netiquette/netNetwork Abuse resources and reporting - www.abuse.netOne-time use or credit limited credit cards - www.orbiscom.com (Visa or MC) andwww.americanexpress.com/privatepayments (AmEx)The Privacy Foundation: news and resources - www.privacyfoundation.org/Safekids: all kinds of safety/privacy resources for kids and parents online - www.safekids.comSafesurf: rating system for websites - www.safesurf.comYahoo! Information and WebZone for families - family.yahoo.comThe following excellent books by Parry Aftab, founder of Cyberangels, are highly recommended:The Parent's Guide to Protecting Your Children in Cyberspace (Mcgraw Hill, 2000)Chapters' (www.chapters.ca) price is $20.95, and they can ship this paperback within 24 hours.Parry's first book, A Parent's Guide to the Internet�And How to Protect Your Children in Cyberspace (1997) is almost entirely online at www.cyberangels.org/parentsguide/intro.html.Although both these texts deal specifically with the subject of childrens' safety online, any reader will glean important information that can be used in all aspects of online safety and privacy, whether as a parent, a child, a business owner, an employee or a webmaster. Parry's easy-to-read and fun style helps her to explain the world of the internet in an interesting way, without sacrificing any detail on important subjects such as net predators, online forms and data collection/distribution, chat and newsgroups, scams, shopping and auction services, internet law and regulations, and the use of computers at school (or work).

Insurance - Home

11/20/2012

Posted on 11/20/2012 by

1. A tenant's personal effects - furniture, clothing, jewellery - are not covered under a landlord's policy.

2. While a personal home insurance policy may be considered to be "comprehensive", it does not cover all risks.

3. Damage resulting from freezing is covered only within the home.

4. There is no coverage for goods in storage or jewellery replacement unless the insurance company is advised and a separate charge made.

5. There are certain perils against which insurance companies cannot reasonably insure, such as war, injury intentionally caused by the policy owner or his family, and wear and tear.

6. If the policy owner plans to leave the premises vacant for more than 30 days, the company must be advised, or claims can be denied.

7. An insurance policy is not a maintenance contract.

8. Policies normally cover personal liability for negligent acts of the policy owner.

Illegal Digital Satellite TV, Direct-To-Home Systems

11/20/2012

Posted on 11/20/2012 by

CONSUMERS SHOULD BE AWARE OF THE FOLLOWING:HOW CAN I TELL IF MY DIGITAL SATELLITE TV SYSTEM IS ILLEGAL?Your system is illegal if you are: - not receiving your service through one of the licensed Canadian distributors currently in operation, i.e. StarChoice and Bell Express Vu.- paying a monthly service fee in U.S. dollars through an American address.- using hacked or pirated access cards to decode and receive scrambled satellite T.V. programming without paying for it.- receiving very little or no Canadian programming.WILL I, AS A CONSUMER, BE PURSUED BY THE RCMP?The RCMP doesn't have the resources to go after every consumer who owns an illegal system. However, as with the cable 'black boxes', owning one of these systems is illegal. If the RCMP comes across an illegal system in the course of carrying out policing duties, they can seize and charge the owner.WHAT PENALTIES DO CONSUMERS FACE FOR OWNING AN ILLEGAL SYSTEM?Under the Radiocommunication Act consumers can face fines of up to $5,000 and/or up to 12 months in prison.I THOUGHT THE AMERICAN SYSTEMS WERE GREY MARKET ITEMS. WHAT'S CHANGED?In the past, there was some confusion about the application of the Radiocommunication Act, which created a 'grey' area in the law. This resulted in the so-called 'grey markey' in U.S. digital satellite T.V. systems. However, in November 1997, the Federal Court of Appeal upheld the Radiocommunication Act. The 'grey market' became a black market. I'VE HAD MY SYSTEM FOR YEARS AND NEVER HAD A PROBLEM. WHY SHOULD I DO ANYTHING?What you decide to do with your system is up to you. But you should know that, aside from the legal implications mentioned above, there are many risks involved in owning an illegal system. While you may never have had a problem with your system yet, American or foreign broadcasters may cut off your service in an instant if they find out you are not physically located in their territory. Furthermore, if the system breaks down, an American or foreign warranty may not be honoured in Canada. Finally, illegal systems are not compatible with Canadian broadcasting signals, so you can't even use these systems to receive legal programming.I DIDN'T KNOW MY SYSTEM WAS ILLEGAL WHEN I BOUGHT IT. WHAT CAN I DO?For more information on what action you can take, contact: Industry Canada Ottawa Office (613) 998-3693; Industry Canada Office of Consumer Affairs (613) 952-1918 Website strategis.ic.gc.ca; Ontario Ministry of Consumer and Commercial relations (800) 268-1142 or (416) 326-8566 (TTY) Website www.ccr.gov.on.ca.RETAILERS SHOULD BE AWARE OF THE FOLLOWING:WHICH RETAILERS WILL BE PURSUED BY THE RCMP?The RCMP has identified area retailers who are selling the illegal digital satellite T.V. systems and will be contacting each one to provide them with a written notice of the law.HOW MUCH TIME DO RETAILERS HAVE TO GET THE SYSTEMS OFF THEIR SHELVES?There is no set timeline. Once a retailer has been informed of the law, the RCMP expects immediate cooperation.WHAT DOES THE RCMP EXPECT BUSINESSES TO DO WITH ALL THEIR ILLEGAL STOCK?The RCMP's concern is that retailers do not continue to sell these items. Retailers are advised to contact their suppliers in the U.S., where the systems are legal.WHAT PENALTIES DO BUSINESSES FACE FOR OWNING OR SELLING THE ILLEGAL SYSTEMS? Under the Radiocommunication Act, businesses can face fines of up to $25,000.I'VE PAID MY DUTIES AND TAXES ON THESE SYSTEMS, HOW CAN THEY BE ILLEGAL?Revenue Canada Customs' list of prohibited items does not include U.S. and foreign digital satellite T.V. equipment. Customs is aware of this issue and is working with the RCMP to seek solutions. In the meantime, the RCMP still has a mandate to enforce the Radiocommunication Act, which says that such systems are illegal in Canada.

Identity Theft

11/20/2012

1) Avoid closing the deal on a Friday, the end of the month or before a long weekend. Buyers can often face moving delays or higher moving fees as a result.

2) Interest is not automatically paid on deposits in real estate transactions unless there is a clause saying so in the purchase offer, the deposit is at least $5,000 and the closing date is at least 30 days away.

3) Most resale homes are G.S.T. exempt.

4) G.S.T. is payable on real estate commissions, legal fees, some disbursements and the cost of surveys or home inspections.

11/20/2012

Posted on 11/20/2012 by

According to regulations introduced by the government of British Columbia, prepaid purchase cards (which include gift cards and gift certificates) issued or sold after November 1, 2008 will not be allowed to have expiry dates or fees except in certain circumstances.

Consumers and businesses should be aware of the following important information;PERMITTED EXPIRY DATESExpiry dates are allowed in the following circumstances: -For cards issued or sold for charitable or promotional purposes.-For cards issued or sold for a specific good or service. FEESFees are permitted for: -Personalizing a card, for example with the consumer's picture.-Replacing a lost or stolen card.-Cards that may be used at multiple unaffiliated sellers, which is commonly known as mall cards. Additonal information on fees: Q. Why are fees permitted for replacing a card or customizing a card?A. Retailers are providing an additional service or convenience over and above the value of the card itself. Businesses also need to recover the costs of providing these extra services. Q. Why are mall cards allowed to charge fees?A. There are extra costs involved with processing cards that can be used at multiple unaffiliated sellers, for example several stores in a mall. Without fees, it is likely that some mall cards would be discontinued. Mall card issuers must make purchasers aware that extra fees apply, so that purchasers can make informed decisions about the purchase. If a post-purchase fee applies, information about the fee must be included on the card itself. This will remind the consumer to use the card before post-purchase fees begin, no earlier than 15 months after purchase. At the request of the consumer, post-purchase fees can be delayed for an additional three months. Q. What fees can be charged for a mall card?A. Mall cards can charge the following fees: A fee of up to $1.50 at the time of purchase.If there is a balance remaining on the card 15 months after purchase, a post-purchase fee of up to $2.50 per month may be deducted from the balance. A consumer may request a three-month extension before the fees are charged. Q. What happens if I am charged a fee that is not permitted? A. A consumer that is charged fees that are not permitted should ask the business for a refund of fees. If the issue is not resolved, the consumer can make a request in writing to the business for return of the fees. Consumers should keep any paperwork showing fees, such as receipts. DISCLOSUREBusinesses must disclose the following information when the card is purchased in a manner that is likely to bring it to the attention of the purchaser: -All restrictions, limitations, terms and conditions on the use, redemption or replacement of cards, including any permitted fees or expiry dates.-How a consumer can obtain more information, including any remaining balance.-Please note that government has indicated that cards with credit card branding or logos as well as phone cards are exempt from this regulation.This legislation is enforced by Consumer Protection BC (CPBC). Consumers are encouraged to contact the business directly to resolve any issues. If the problem can't be resolved, please contact the CPBC Inquiry Centre toll free at 1-888-564-9963 or email info@bpcpa.ca.

Gas Marketers

11/20/2012

Posted on 11/20/2012 by
Effective May 1, 2007, consumers can now choose who they buy their natural gas from and how. Independent gas marketers have begun selling natural gas at long-term fixed prices. Terasen Gas residential gas customers now have the option of signing on with a gas marketer or continuing to purchasing their gas at a variable rate from Terasen Gas. Variable prices vs fixed prices The commodity price of natural gas moves up and down over time. Terasen Gas offers a rate that varies over the short term - a variable rate. The variable rate is reviewed quarterly by the British Columbia Utilities Commission and adjusted to reflect current changes in market supply and demand. Terasen Gas earns its money from the delivery of natural gas to the consumer's home. Terasen Gas does not mark up the cost of the gas they sell to the consumer. Residential customers can now choose to fix the price which will remain the same through the duration of a signed contract with a gas marketer. It will not fluctuate with the daily changes of energy prices. Gas marketers include a markup in the price that allows them to earn a profit. If consumers choose to sign a gas supply contract with a gas marketer, the gas - at the agreed upon price - will begin flowing November 1st. Consumers can change their minds Consumers do have the right to change their minds without penalty after signing a contract with a gas marketer. After signing a contract with a gas marketer, residential customers will receive a confirmation letter from Terasen Gas. The letter will confirm that the consumer has entered into a supply arrangement with a natural gas marketer. The letter will also provide a date by which the consumer must respond to the gas marketer, about 10 days from the time the consumer signed the contract, if the consumer plans to opt out of the agreement without penalty. This is called a cooling-off period. Terasen Gas will continue to deliver and bill for consumers natural gas Whether gas is purchased from Terasen Gas or through a gas marketer, Terasen Gas will continue to deliver the gas to your home. There will not be any physical changes to how gas is supplied to the home. The consumer will still receive just one monthly bill even if a contract is signed with a gas marketer. The Terasen Gas bill will separate out the cost of delivery of the gas and the commodity charges for the gas. If the consumer has signed a contract with a gas marketer, the Terasen Gas bill will identify the specific gas marketer and also provide the company's telephone number. Questions consumers should ask before signing a contract Consumers need to determine if signing a long-term natural gas supply contract is right for them. Terasen Gas recommends asking the following questions before signing on the dotted line. Cover the basics: � What is the marketer's price in Canadian dollars per gigajoule of gas? � How long is the term of contract? � Is the price per gigajoule of gas fixed over the entire term of a contract or can it vary? � What is the gas marketer's track record supplying natural gas? � What will happen to the gas supply contract if the consumer moves? Clarify the terms of the contract: � What are the start and end dates of the contract? � What are the contract's renewal provisions? � Who to call should the consumer want to cancel the contract? � When does the cooling-off period end? � Does the contract end at the expiration date, or will it roll over into another one or multi-year term if no further direction is received from the consumer? � What are the penalties for early termination? � What are the benefits of signing a fixed-term contract? Is the contract just for gas? � Does signing the contract commit the consumer to receive other utility services such as electricity, telecom or cable services? � What are the financial obligations the consumer is committing to by signing the contract? � What are the additional charges that could potentially arise from signing the contract? � What happens to the gas supply if the gas marketer's business fails? For more information on the natural gas marketing program, visit www.terasengas.com or telephone at 604.576.7000; toll free 1.888.224.2710 or by mail: Terasen Gas 16705 Fraser Highway Surrey, BC V4N 0E8 Code of Conduct for gas marketers Although gas prices quoted by marketers are not regulated, the BC Utilities Commission is responsible for licensing these gas marketing companies and ensuring they adhere to a code of conduct. The gas marketers' code of conduct states, in part, that: � The offer and consumer's agreements shall clearly state the price and payment terms and any other financial provisions, including any deposit requirement, allocation of cost savings and/or services, and the nature and amount of any additional charges. � The gas supply price offered must be a fixed price for 12-month intervals expressed in Canadian dollars per gigajoule. � This price applies only to the sale of gas and shall not include provision of other services. � The offer and consumer's agreements shall clearly state agreement renewal provisions, including default rollover provisions. Terasen Gas has no role in overseeing the actions of the gas marketers. For a list of gas marketers licensed to do business in BC, visit http://www.bcuc.com/ or http://www.terasengas.com List of gas marketers (subject to change): Premstar Energy Canada Nexen Energy Solutions Energy Savings (B.C.) Avista Energy Canada Universal Energy CEG Energy Options MxEnergy (Canada) Ltd. Access Gas Services Inc. Direct Energy Marketing Planet Energy (BC) Intra Energy Superior Energy Smart Energy (BC) Summitt Energy BC Active Energy The Wholesale Energy Group

Gas Marketers

11/20/2012

11/20/2012

Posted on 11/20/2012 by

Fitness or Health Club Memberships If you are considering joining a health club, the following guidelines can help you select the club that's best for you:

1. Shop around. Ask friends, coworkers, and your doctor for recommendations. Call several clubs to find ones that match your interests and budget. Check with the Better Business Bureau for reliability reports on the clubs you are considering.

2. Visit the club at the time of day you will use it. Talk to members and staff and determine the following: - Are the hours and location convenient?- Does the club have facilities and services that suit your needs? - Are the equipment, exercise areas, and locker rooms clean and well-maintained? Does new equipment come in regularly?- Is the facility overcrowded? Are there long lines at the equipment? Does the club limit new membership to prevent future crowding? - Is the atmosphere friendly? - Evaluate the locker rooms (are they clean, do they have showers that work, are towels provided), check if there's parking and other services such as babysitting.- What are the qualifications of the staff? Fitness counsellors should be knowledgeable, motivated and willing to please. The best are certified and have backgrounds in exercise physiology, kinesiology or physical education. - Ask about a fitness evaluation - testing strength, endurance and flexibility. Quality clubs stress putting members on programs and follow-up with individual goals and progress.

3. Carefully consider the contract. Take a copy home to read thoroughly before signing. Stay away from clubs that pressure you to sign on the spot. - Does the contract list all services and facilities? All verbal promises should be written down. - What is total cost and payment schedule, including enrollment fees and finance charges? Do some services cost extra? - How long is a membership term? A short-term membership is usually best in case you find yourself unmotivated or the club closes. - Does the contract allow for a trial period? - Make sure the club has met local licensing requirements.

4. Under the Business Practices & Consumer Protection Act, you have 10 days, from date of signing, to cancel the contract in writing by registered service. A buyer may cancel a contract for future services where there has been a material change in the circumstances of the buyer by giving notice of cancellation to the seller, including the buyer's death, permanent physical, medical or mental disability of the buyer, or permanent relocation of the buyer so that the buyer and the seller are located more than 30 kilometers further distant from each other than they were when the executory contract was entered into, if the seller does not provide reasonably comparable alternative facilities for the use of the buyer not more than 30 kilometers from the buyer's new location. If a fitness club is not in compliance with the Business Practices & Consumer Protection Act, you should complain to Consumer Protection BC at 1-888-564-9963 or www.consumerprotectionbc.ca.

5. Under B.C. Law, there is no such thing as a lifetime contract. The maximum is 2 years.

6. Never sign up with a club that has not yet opened despite any special discounts. And beware if the club asks for your credit card number or bank account numbers before you have read the contract.

Fire safety inspection

11/20/2012

For information on the validity of dry cleaning complaints contact the Competition Bureau at 1-800-348-5358.

Door to Door Sales Contracts

11/20/2012

Posted on 11/20/2012 by

Consumers who are approached by a door-to-door seller, BBB suggests:

-Name and location. Get the name and address of the company the vendor claims to represent.

-Put it in writing. Ensure all details and verbal promises are included in a contract. Review it and make sure that you understand everything in the document. Never sign a contract with sections left blank.

-Check for qualifications. Verify the individual is licensed, bonded, insured and has registered with Work Safe BC.

-Price is not everything. Don't always go for the lowest bid. If estimates for the same work vary widely, find out why. Sometimes unscrupulous operators may use sub-standard materials or take longer to finish the job.

-Make cheques payable to the company. Do not pay in cash and do not make cheques payable to an individual, only the company.

-Avoid "Bait and switch" tactics. Some disreputable companies will offer low prices for installing items like windows and home siding, but then come back later to the client saying the item is currently out of stock and can only be replaced with a high-priced substitute. Have everything in writing and know the terms in advance.

-Remember to cool off if there's pressure. Do not be pressured by any person if you are unsure. Take the time to do your due diligence. If you did sign and would like change your mind, BC law states that if it was a door-to-door sales contract then you have 10 days to advise the company. More details are found below.

-Avoid crooked contractors by going to bbb.org for a Reliability Report. You will also find hiring tips and can request a job quote from BBB Accredited Businesses on our web site. Consumer Protection BC (CPBC) mandate is to promote a fair marketplace for consumers and businesses. CPBC was established in 2004 as a not-for-profit corporation to strengthen consumer protection in BC. Go to www.bpcpa.ca to enter the CPBC site. If you do not have access to the internet, you may contact Consumer Protection BC at toll free 1-888-564-9963 or locally at 604-320-1667 and fax at 604-320-1663.FOR YOUR INFORMATION THE BBB OFFERS THE FOLLOWING STANDARD REPORT ON DIRECT SALES CONTRACTS IN B.C.:For your information the BBB advises that if you have entered into a contract with a door-to-door salesperson for goods or services valued at $50 or more, the BC Business Practices and Consumer Protection Act provides you with a 10 day cancellation or cooling off period; that is, 10 days in which to change your mind and cancel some contracts that you have signed at home. This cancellation right must be printed on the sales contract and it is not necessary for the consumer to give reasons for cancellation. CANCEL BY REGISTERED SERVICE.The new legislation does not define or mention the term direct seller but does define a direct sales contract. Please see the applicable info below this paragraph. A direct seller is anyone who: (a) solicits orders for, or sells or offers for sale, goods or services where the purchase price, excluding the cost of borrowing, but including any taxes, equals or exceeds $50; (b) sells, offers to sell or solicits a sale to A CONSUMER, not to a business or company; and (c) solicits, negotiates or concludes the contract at a place other than the direct seller's permanent place of business."direct sales contract" means a contract between a supplier and a consumer for the supply of goods or services that is entered into in person at a place other than the supplier's permanent place of business, but does not include (a) a funeral contract, interment right contract or preneed cemetery or funeral services contract, or(b) a contract for which the total price payable by the consumer, not including the total cost of credit, is less than a prescribed amount;Consumer Protection BC (CPBC) no longer license direct sellers.Direct sales contracts do not include selling, offering for sale or soliciting orders by telephone, mail, fax or any other method that does not involve face-to-face contact with the intended purchaser. If you call a company to come to your home, or reply to any form of advertising including faxes or flyers which result in a company coming to your home (face to face contact), you are considered to have invited the company into your home and the company is NOT considered a direct sales contract and the 10 day Cooling Off Period is NOT applicable. Likewise, if you visit a company's booth at a mall or trade show, the company is NOT considered a direct seller and the Cooling Off Period does NOT apply.If this contract is for the sale of services or a combination of goods and services, the vendor can not require a down payment of more than $100 or 10% of the purchase price, whichever is less.

Domain Names

11/20/2012

11/20/2012

Posted on 11/20/2012 by

There are several ways to help reduce or manage your debt.

The most common ways consumers approach managing their debt are:

1. Credit Counselling

They may not accept your money to pay your creditors on your behalf. Their services are restricted to credit counseling and sometimes negotiations with your creditors. Credit counselling organizations do not require licensing in British Columbia.

2. Debt Pooling

Under the law in BC, a debt pooler is a person who accepts and distributes your money to your creditors in accordance with an agreed upon repayment program. This activity is what triggers the requirement to be licensed with Consumer Protection BC. The law seeks to safeguard consumer money through the use of trust accounts and the requirement of security.Fees will vary but usually include some or all of the following;a. onetime set-up or administration fee;b. monthly fee that is a percentage of the amount paid to your creditors;c. fee for each cheque sent to creditors on your behalf;d. fee for a printed accounting of your debt management program.To find out if a company is licensed or requires licensing, contact Consumer Protection BC at 1-888-564-9963 or www.consumerprotectionbc.ca.

3. Debt Settlement

Debt settlement companies offer to help reduce monthly payments and settle your debts, but often require an upfront fee. It's important to understand the implications of debt settlement and the track record of the company before entering into any agreement to negotiate your debt. A proposal from a debt settlement company will not relieve you from your legal responsibilities of your debt. A bankruptcy trustee may make a formal proposal to your creditors under the Bankruptcy and Insolvency Act which protects you from further legal action from creditors. Before agreeing to allow a third-party to negotiate your debt with creditors, BBB recommends consumers ask the following questions to ensure that they're dealing with the right company and getting the best guidance:What is the company's performance in the marketplace?Always check out the company with the BBB.org to find out their track record. Also ask the company about its own success rate.How does the company and their representative get paid, and do they still get paid if they are unsuccessful at negotiating a debt settlement for you?If company insists on payment upfront before reviewing your finances, or pays its representatives on commission, you may not be receiving the best advice on dealing with your debt. Keep in mind that debt negotiating companies cannot guarantee that creditors will accept their proposal to settle your debt for less than half of what you owe. If they are unsuccessful at negotiating on your behalf, find out if they will give you your money back.Does the company make claims about the percentage of their clients that successfully settle their debts with creditors?An ethical business will not make claims that cannot be substantiated. Privacy laws and confidentiality agreements will prevent a business from disclosing information about previous customers. If a company makes claims about the number of clients that they've successfully helped negotiate their debt, challenge the company to provide proof to validate their claims.Is the company making guarantees that creditors will work with them in accepting a settlement?While some companies may claim numerous success stories and assure you that creditors will work with them, there is no guarantee. If you are maintaining your payments, have a regular income or assets like real estate, your creditors may not accept a proposal to settle your debt. A good debt settlement company will explain the risks and impact to your credit score.

Debit Card

11/20/2012

Posted on 11/20/2012 by

1. Personal Identification Numbers (PIN) for ATM cards, telephone calling cards, etc. should be memorized but NEVER written down and the number chosen should be one that is difficult to guess. The number should not be one that could be gleaned from documents in your wallet - pick a number that is significant in your life but not in current use.

2. With credit and ATM (debit) cards be extra careful when using them at restaurants and gas stations or any other location where you temporarily part company with your card: these are prime locations for "skimming" (making a second unauthorized electronic record of your card information). After completing a transaction in which you surrender your card for processing, make sure the card you get back is yours. With debit cards (and credit cards if you have applied for and use a PIN to facilitate cash advances) be aware of who is around you to protect your PIN as you punch it into the terminal. Shield the PIN pad if you have to if there is someone close enough to observe what you are doing. At bank machines, don't forget to retrieve your card before you finish your business there!

3. Exercise extreme care about people who you believe you can trust who have access to your personal information. Casual friends, temporary visitors or roommates who have debt or addiction problems unknown to you may be tempted to "borrow" your identification and/or credit/debit cards.4. People who lose or have their identification stolen should (at minimum) notify the issuer of the identification and file a police report and obtain a file number. On a regular basis keep an inventory of your ID as a ready reference or make photocopies of front and back. (For example, to obtain a replacement CareCard you need to supply your 10-digit Personal Health No. If you have that number written down or photocopied it will save you some time and frustration when applying for a replacement card)

11/20/2012

Posted on 11/20/2012 by

Choosing The Best Courier Company:- Compare reliability as well as cost. The cheapest courier is not necessarily the most reliable. - Ask for recommendations from other companies that use couriers.- What kind of vehicles does the courier company have? Do bikes or large covered trucks best suit your needs?- What are the courier's office hours?- Does it have an after-hours service?- Does it have insurance?- Does it have computerized or radio tracking of packages?- Ask about volume or package discounts.- Does the company have the specialized skills or services you may need?- Can it handle fragile artwork or other items requiring special handling?

11/20/2012

11/20/2012

Posted on 11/20/2012 by
On July 5, 2004, responsibility for oversight of business practices and consumer protection in British Columbia was delegated from the Ministry of Public Safety & Solicitor General to the new, independent Consumer Protection BC, or CPBC. CPBC is responsible for BC consumer protection activities including investigations and enforcement under a new Business Practices and Consumer Protection Act and Cremation, Interment and Funeral Services Act , regulation of targeted industry groups, and information and mediation services offered through a toll free BC consumer complaint centre. Moving consumer protection services to the new CPBC will increase industry and consumer involvement in consumer protection, enhance oversight of regulated industries, provide more emphasis on consumer education, and increase the focus on critical industry and consumer issues. Go to www.bpcpa.ca to enter the CPBC site. If you do not have access to the internet, you may contact the Business Practices and Consumer Protection Authority at toll free 1-888-564-9963 or locally at 604-320-1667 and fax at 604-320-1663 . IN B.C. THESE ARE YOUR RIGHTS: 1. Debt collectors are entitled to get a court judgment and garnishee your wages. However, their immediate goal is usually to resolve the case through voluntary co-operation. 2. Debt collectors cannot make abusive phone calls, harass or be misleading. 3. They cannot contact you at work after being told to stop. 4. They cannot make telephone calls at unreasonable times of the day. 5. They cannot misrepresent themselves in order to locate debtors. 6. They cannot use profanity or verbal abuse. 7. They must provide clear identification. 8. They cannot demand payment from consumers whose ONLY source of income is social service assistance. 9. A collector must refrain from making contact with a debtor while the debtor is engaged in a period of extreme duress, family crisis, special celebration, or similar extraordinary event. 10. A collector must not mail a letter to the debtor's place of employment in an envelope indicating the name of the collection agency and which is not clearly marked personal & confidential. 11. All collection activity apart from legal action is prohibited after a debtor or debtor's representative advises the collector or creditor, in writing, that a claim is disputed. 12. All collection activity apart from legal action is prohibited after the creditor or their agent refuse to accept a payment schedule offered by the debtor if the schedule is represented by the debtor as the maximum amount and shortest repayment period that the debtor can afford. 13. A threat to immediately garnishee wages of a debtor or seize the debtor's assets where a judgment has not been obtained is prohibited. 14. Credit Reporting agencies have minimum debt amounts that they will accept for reporting purposes and some reporting agencies will not accept information for reporting purposes that arises from non payment of parking fines or tickets. Collection agents are urged to consult with their credit reporting agencies to determine the policies of the reporting agencies with regard to small amounts and parking fines or tickets. Collection agents and collectors must not threaten to report parking fines unless their credit-reporting agency actually accepts such reports. This directive does not apply to the reporting of judgments that are obtained for parking violations. HERE IS WHAT TO DO IF YOU ARE CONTACTED BY A DEBT COLLECTOR: 1. Keep a diary. 2. Record conversations. 3. Try to negotiate with your creditor BEFORE the debt goes to collection. 4. Once your debt goes to collection try to cooperate with agency and its management. 5. Complain to the agency, senior management, the original creditor and the government: Business Practices and Consumer Protection Authority at 1-888-564-9963 or go to their website at www.bpcpa.ca . For further information on this subject, contact DIAL-A-LAW at (604) 687-4680.

Charity/business Marketing Schemes

11/20/2012

Posted on 11/20/2012 by
For your information the BBB advises that charity-business marketing arrangements, in which charities receive a portion of the sales of a business' commercial product, are becoming more popular. THE FOLLOWING ARE QUESTIONS THAT MAY PROVE USEFUL TO YOU IN SIZING UP A CHARITY-BUSINESS MARKETING CAMPAIGN: - If a portion of the sales price is going to the charity, how much is it exactly? Is the maximum possible contribution to the charity "capped" at a certain level? If this is a worthwhile charity, would it make more sense to contribute a larger sum to it directly? - Is the full name of the charity indicated in the advertisement? Is an address or telephone number provided if someone wants more information about the charity or the promotional partnership? - How long will the campaign last? Will your purchase be made in time to benefit the charity? - If there is more than one charity involved in the promotion, how will the funds be distributed? - What are your plans for donating to charities this year? How does this opportunity fit into your plans? Are there other charities you should be thinking about instead? - Do you want to purchase this particular item for any other reason? Will you be able to use it?

Charities

11/20/2012

Posted on 11/20/2012 by

Summary: The BBB suggests when you are in doubt the charity you are being asked to make a donation to is legitimate, you ask to have written materials sent to you, including a copy of the charity's latest audited financial report. A legitimate charity will be more than happy to send you the information. The audited financial report will show you how much money the charity raised last year and more importantly, what it did with the money. To check whether or not the charity is registered with the Canada Revenue Agency call 1-800-267-2384 or click on their web site at www.cra-arc.gc.ca/tx/chrts/menu-eng.html.WHEN YOU ARE ASKED TO CONTRIBUTE TO A CHARITY THE BBB URGES YOU TO DO THE FOLLOWING:1. If solicited by phone, mail, or in person, ask for details about the organization: name, address, telephone number, etc.2. Know the difference between tax exempt and tax deductible. Tax exempt means the organization doesn't have to pay taxes. Tax deductible means you can deduct your contribution on your federal income tax return. Even though an organization is tax exempt, your contribution may not be tax deductible. If deductibility is important to you, ask for a receipt showing the amount of your contribution and stating that it is tax deductible. You may call the CCRA at 1-800-267-2384 to confirm the charity's charitable tax number or go to the website at www.ccra-adrc.gc.ca/charities.3. Call the charity. Find out if the organization is aware of the solicitation and has authorized the use of its name. If not, you may be dealing with a fraudulent solicitor.4. If you're solicited for a donation, ask if the caller is a paid fund-raiser and what percentage of your donation the fund-raiser will keep. If you're not comfortable with the amount, you may want to consider other options for donating.5. Ask how your donation will be distributed. How much will go to the program you want to support, and how much will cover the charity's administrative costs? If a professional fund-raiser is used, ask how much it will keep. You may ask for a copy of the charity's latest audited statement to verify this information.6. Be wary of charities offering to send a courier to collect your donation immediately.7. Be skeptical if someone thanks you for a pledge you don't remember making. If you have any doubt whether you've made a pledge or previously contributed, check your records. Be on the alert for invoices claiming you've made a pledge when you know you haven't. Some unscrupulous solicitors use this approach to get your money.8. Refuse high-pressure appeals. Legitimate fund-raisers won't push you to give on the spot.9. Avoid cash gifts that can be lost or stolen. For security and tax record purposes, it's best to pay by cheque. Use the official full name of the charity - not initials - on your cheque.10. Watch out for similar sounding names. Some phony charities use names closely resemblling those of respected, legitimate organizations.11. Call the Societies Branch of the Ministry of Finance at 604-775-1046 to determine if the organization is a registered society. There is only a fee for this service when you request extensive information such as the names of the society's directors.

Chain Letters

11/20/2012

Posted on 11/20/2012 by

The Bureau has received a number of complaints about chain letters which claim to be a legal way to supplement income. The most widely used letter is one which "sells" information reports on how to make money. These reports contain little or no useful information and are a subterfuge for the real reason behind the letter: recruitment of others into the plan.

The plan works as follows:

After the recipient of the letter has sent $5 for the information reports from each of the four persons named in the chain letter, he or she is then invited to drop the first name on the list, add his or her own name and send the letter to as many people as he or she wants. The people who receive the letters sent by the original recipient may then order a report from that person in return for $5. Such schemes may contravene the pyramid selling provision of the Competition Act and may also be in violation of section 206 of the Criminal Code of Canada.Recently, high-tech chain letters have begun surfacing. They may be disseminated over the Internet, or may require the copying and mailing of computer disks rather than paper. Regardless of what technology is used to advance the scheme, it is illegal.Recipients of such letters promoting "get rich quick" schemes should ignore them. In reality, chain letter schemes are self-collapsing and will never achieve the level of earnings promised. Since chain letters must rely on unwitting members of the public for propagation, when this kind of opportunity knocks, the best response is not to answer.

Cellular-Service Plans - Recommendations For Choosing

11/20/2012

Posted on 11/20/2012 by

The challenges of choosing cellular service are as formidable as ever. Here's how to zero in on a plan that won't disappoint: Size up your needs.

When you sign up for cellular, your monthly bill can add anywhere from $20 to $100 or more to your household expenses. It's worth asking yourself whether you really need to take on that commitment. Weigh all your options.

The Internet has made shopping for plans much easier than just a few years ago, when all you had to go on were service providers' newspaper ads or brochures. Consider a prepaid plan first. The consequences of committing to the wrong service contract can be costly, since most come with stiff early-termination penalties that can run as high as $200. That's why, if you're new to cellular, it may be a good idea to size up how you'll actually use the service before you sign on for a longer-term agreement.

Most providers offer, at no monthly charge, plans that don't require a contract. You'll have to purchase an allotment of minutes separately and replenish your prepaid time when it runs out. Though more expensive on a per-minute basis, calling a la carte will help you better understand your usage patterns - whether the carrier meets them. Armed with those insights, you'll be better able to match a contract to your needs. Don't gorge on "free" minute plans. Bigger buckets of included minutes of air time and the extra off-peak time you can purchase for a few dollars more may be as tempting as an all-you-can-eat buffet.

But curb your appetite: Any unused time remaining in your account at month's end cannot be carried over, inflating the per-minute cost of calling time you do use. Keep track of air time. Most handsets can keep a running count of minutes used, which may help track calls. But they cannot differentiate between peak and off-peak periods, if that matters in your plan. (Be clear on what your carrier considers a "weekend"�some include Friday night, others don't.

Check contract details before signing. The price of getting a free or heavily discounted handset or the lowest per-minute rates might be a one- or two-year commitment with a stiff cancellation fee. But recognizing that it costs them less to hold onto a current customer than to recruit a new one, companies may allow you to upgrade or even downgrade your service plan without penalty. When your contract expires. One year�the standard length of a cell-phone service contract�is an eternity in this fast-moving industry. When your contract is up for renewal, should you jump ship and sign on with another carrier? (If you do nothing, your service will typically continue on a monthly basis.)

It's worthwhile to explore your options, but think twice about switching providers: You may have to buy a new phone, pay a new activation fee, and get a new number. What's more, the new carrier may present new aggravations. You may discover that you have problems calling in places where you've been used to phoning without a hitch.

Catalogue Shopping

11/20/2012

Posted on 11/20/2012 by

1. Get a couple of competitive catalogues and DO SOME RESEARCH.

2. KEEP A RECORD of the items ordered, the cost and additional charges for shipping and handling if needed, the method of payment and the date you placed your order. If you order by phone, get the name of the person who took your order.

3. ASK QUESTIONS before you buy.
a) What is their guarantee?
b) What is their policy on returns?
c) What happens if an item is out of stock? Some companies, such as Sears, will automatically substitute an item of equal or better value. If that is agreeable to you, fine. Otherwise, write "NO SUBSTITUTIONS PLEASE" in big bold letters across your order.
d) What is their delivery time? For further information on this subject, contact DIAL-A-LAW at 687-4680.

Carpet Cleaning

11/20/2012

11/20/2012

Posted on 11/20/2012 by

1. When you're ready to go shopping for a new bed, make sure you're rested and unhurried so you'll really concentrate on what feels best.
2. Shop at stores you know you can trust, such as reputable furniture and department stores or specialty shops known for reliability and service.

3. If possible, take a partner, so you can try out beds together.

4. Wear comfortable clothes you can lie down in without embarrassment and shoes you can remove with ease.

5. Lie down on the bed and stay there for a while.

6. Ask for a pillow and get into your usual sleep position.

7. Roll to the centre and to the edges to see if the support is the same at all points.

8. Stretch out to see if the bed is wide enough and long enough.

9. Set aside any self-consciousness and take plenty of time.

10. Remember, almost any bed will feel comfortable to you for a minute or so, but you have to decide if it will stay that way.

11. Read the literature and display materials.

12. Ask questions. The salesperson should be prepared to help you differentiate between high and low quality construction.

13. What you don't see in a mattress and foundation - the inner construction - determines how long your sleep set will provide optimum support and comfort.

14. Ask the salesperson for a complete description of the materials and workmanship on every bed you try. The best guarantee of good performance for many years is to invest in the highest quality sleep set you can afford.

BBB Mediation

11/20/2012

Posted on 11/20/2012 by

Mediation is an informal process in which an impartial third person, the mediator or mediators, helps the parties resolve their differences. The mediator does not impose a settlement but does facilitate a mutually acceptable resolution. Mediation offers the following advantages:

1. The parties maintain control of the resolution of their dispute.

2. When people collaborate to find the solution, they tend to be more satisfied and more willing to abide by the settlement.

3. Mediation is convenient. Most sessions require only a few hours.

4. The proceedings are informal and discussions focus on solutions, not blame.

5. The discussions, settlement offers and agreements are confidential. HOW DOES THE PROCESS WORK? The mediator asks both parties to provide all information necessary to understand the issues involved, including each party's position, desired solutions, and acceptable alternatives.

Mediation conferences are scheduled at the convenience of all parties. The informality of mediation encourages direct communication and fosters candid dialogue. Mediation is a Win-Win proposition. Even if a mutually agreeable settlement is not reached, a final resolution of the dispute still can be sought through binding arbitration.

BBB Complaint Procedure

11/20/2012

Posted on 11/20/2012 by

What is the Better Business Bureau?:

The Better Business Bureau is a non-profit organization whose mission is to foster an ethical marketplace and to educate and encourage consumers to use ethical businesses. The Bureau is not an enforcement agency nor can it punish anyone. The Bureau's role in dispute resolution is that of a third party neutral. BBB's job is to help both parties to communicate so that a solution to the problem can be found.

How to Obtain a Complaint Form:

Send a self-addressed, stamped envelope to the Better Business Bureau office nearest you. You can also complete the complaint form on our website at www.bbbvan.org. If you would like a complaint form faxed to you, please fax us at (604)681-1544 or email us at inquiries@bbbvan.org.

What can you Expect after Submitting the Complaint Form?

In order for the Bureau to proceed with a complaint you must have already attempted to resolve the problem with the company. Please be advised that the BBB will not become involved if there is any legal action in progress. Upon receipt of your Customer Experience Form, the BBB forwards a copy to the company concerned. We allow twenty days for a response; five days for mail service to deliver, ten days for the company to respond and another 5 days for us to receive a mailed written response. Please allow 5-6 weeks for a written response from the Better Business Bureau. Occasionally the company will call the Bureau to request that verbal communication begin in an effort to resolve the complaint as quickly as possible. The Bureau may request that certain written statements and/or documentation be forwarded from either the customer or the company. When a written response is received from the company the BBB will either contact the customer or mail the company response to the customer. This simple conciliation process is often enough to resolve the dispute. If not, the BBB may recommend Mediation or Arbitration. Both parties must agree to proceed with this alternative dispute resolution service.

BBB Arbitration

11/20/2012

Posted on 11/20/2012 by

Arbitration is generally necessary only when mediation is not successful. In arbitration, you and your customer permit a neutral third person, the arbitrator, to make a binding decision that will end the dispute. The process offers the following advantages:

1. Hearing procedures are informal, so legal representation is generally not necessary or desired.

2. Arbitrators allow the parties to submit any relevant evidence in the proceedings.

3. The proceedings and arbitrator's decision are confidential.

4. Arbitration is far less expensive and more expedient than taking the matter to court.

5. The arbitrator's decision is a final resolution of the dispute. HOW DOES THE PROCESS WORK? You sign an agreement that defines your commitment to arbitrate. This agreement states in writing each party's position and the remedies each is seeking. The Agreement to Arbitrate will not include claims or remedies sought that go beyond the limits of your pre-defined program, unless you both specifically agree in writing to arbitrate additional matters. The arbitration hearing is informal and is conducted in accordance with the BBB Rules of Arbitration. At the hearing, the arbitrator will ask to hear all evidence believed to be relevant.

Bankruptcy

11/20/2012

Posted on 11/20/2012 by

When businesses or consumers cannot pay their debts, they may file for bankruptcy or make a proposal (a payment arrangement with their creditors to prevent bankruptcy). These are legal proceedings carried out under the Bankruptcy and Insolvency Act; they must be handled by an insolvency professional -- a private sector trustee, and administrator of consumer proposals -- and must be registered with the Office of the Superintendent of Bankruptcy.

BANKRUPTCY AND INSOLVENCY ACT The legal framework whereby private sector trustees, administrators of consumer proposals, provincial courts and employees of the Office of the Superintendent of Bankruptcy administer and oversee bankruptcy and insolvency transactions, sets out the rights and obligations of the various parties involved in a bankruptcy or an insolvency proceeding.

Individuals who are having financial difficulties may wish to check out National Insolvency Web site (www.BankruptcyCanada.com) or obtain a copy of the publication Dealing With Debt: A Consumer's Guide from the local Office of the Superintendent of Bankruptcy.

The Office of the Superintendent of Bankruptcy is responsible for:

1. Supervising the administration of estates in bankruptcy, commercial re-organizations, consumer proposals and receiverships

2. Maintaining a publicly accessible record of bankruptcy and insolvency proceedings

3. Recording and investigating complaints from creditors, debtors and members of the general public regarding possible wrong doing by someone involved in the insolvency process

4. Licensing of private sector trustees to administer estates and the appointment of administrators of consumer proposals

5. Setting and enforcing of professional standards for the administration of estates. NATIONAL INSOLVENCY NAME SEARCH SERVICE The federal office of the Superintendent of Bankruptcy maintains a central databank which records all bankruptcies and proposals filed in Canada since 1978 and of all receiverships filed since December 1992. For a fee, they will search the records for you to confirm the bankruptcy status of an individual. Corporate clients who are requesting this service on an ongoing basis are requested to establish a credit account for billing purposes. To obtain information on setting up an account with them, please contact: Office of the Superintendent of Bankruptcy Search Services Jean Edmonds Tower South, 8th Floor 365 Laurier Avenue West Ottawa, ON K1A 0C9 Phone: (613) 941-2863 Fax: (613) 941-9490

Bank Inspector Schemes

11/20/2012

Posted on 11/20/2012 by

Steps of a Possible Scheme:

1. The fraudster will claim to be a bank inspector trying to trap a dishonest bank employee at your bank. The first approach is usually by telephone.

2. You will be asked to withdraw money from your account and give it to the con artist for use as evidence against the employee, perhaps through fingerprints or other investigation.

3.You will be cautioned to maintain the utmost secrecy so that the bank employees aren't alerted and you may even be offered a reward for your co-operation. But of course the phoney bank inspector just disappears, and so does your money.

Example
In Vancouver, an unknown male suspect, posing as a bank employee, is contacting elderly women by telephone asking them to assist in identifying a bank employee committing theft. The suspect asks the victim to withdraw cash, in amounts typically between $3,000 - $5,000, from her bank account and meet him outside the bank. The suspect is professional and well spoken. Suspect description: White male, approximately 65-70 years of age, wearing English style cap and tweed jacket. The Better Business Bureau offers the following advice:

Remind yourself:

- NO bank employee or police officer will ever ask you to withdraw your money for ANY reason. If anyone asks you to do so, call the police or your bank manager right away.

- Nobody should ever discuss personal banking details with someone whose identity they do not know. People receiving such calls should take the callers' name and telephone number and then phone the bank at the publicly-listed number in the telephone directory and ask to be connected to the party by name.

How To Take Caution and Report Schemes:

- Police encourage the use of Telus Personal Call Management Services and/or *69 to obtain the telephone number of the last person who called the victim's telephone line. This will assist police in an investigation.

- Family members are encouraged to warn senior members, especially women living alone, about the perils of trusting individuals who call them claiming to be bank employees.

- The best defence against this scheme is fraud prevention by awareness. This topic is being addressed through the Wise Owls component of Heads Up BC officially launched and involves seniors teaching seniors about the bank inspector fraud (and deceptive telemarketing practices). This program is run through the BC Crime Prevention Association at (604) 529-1552.

Baldness

11/20/2012

Posted on 11/20/2012 by

Most baldness is inherited, and although many kinds of soaps and creams have been touted as having miracle ingredients to make hair grow or to retard its falling out, no product has been proven to do so. One drug, Minoxidil, which was originally approved to treat hypertension as a 2% solution, was granted a Notice of Compliance in 1986 in Canada for stimulating hair growth on the crown of the head. This topically applied drug is available only through a doctor's prescription. The Health Protection Branch has banned the sale of any non-prescription hair cream, lotion, or other external product, usually sold by mail or through barbers or beauticians, which claims to grow hair or prevent baldness.

Back to School Tips

11/20/2012

Posted on 11/20/2012 by

Students and parents preparing for the beginning of a new school year have to make a number of purchases to get ready for school. There is a high volume of sales made during this time of year and an increasing number of youth making their own purchases. We want to remind "back-to-schoolers" that it pays to be a smart consumer. Here are some tips while you're doing some shopping:

1. Ask about returns and refunds. Shopping for new clothes, accessories and gadgets is one of the highlights of going back to school. When you buy your new gear, ask the store about their return policy and always keep your receipts.

2. Find out the details about your new cell phone plan. You don't want to sign up for something that you didn't want.

3. Ask about the time commitment, billing details, replacement costs and how you can get out of the contract if you need to. It's time consuming but reading your contract carefully can really help you in the long run.

4. Read the fine print when getting a credit card. Credit cards can be very useful and we get offers for new cards all the time. Don't get yourself in a financial jam by signing up right away for a new card. Find out what the new card gives you and definitely make sure you know what the interest rates is, how long any introductory interest rates apply for and when interest begins.

5. Do your research before buying a new computer. Before you get that new computer, decide what your needs will be and what the computer is to be used for, such as word processing, graphic/web design or gaming. This will determine the type of hardware and software that will be required and how much you willpay in the end. Shop around for a good price and find out what you have to do (and pay!) if your computer breaks down. Consider leasing to reduce the costs of upgrading your system but make sure you know the details of your contract.

6. Ask yourself if you really need that free gift. Carefully consider offers of free gifts that come with a purchase. Do you need the item you are buying? If not, then this free gift may not be worth the investment in the end.

7. Consumers have rights and responsibilities under BC law, find out what yours are by visiting the CPBC website at www.consumerprotectionbc.ca. The key to being a smart consumer is to know what questions to ask and reading the fine print before entering into any kind of transaction. Happy shopping!

Auto Repair

11/20/2012

Posted on 11/20/2012 by

The best way to avoid disappointment when taking your automobile in for repairs is to be prepared. Knowing how to select a good technician and the kinds of questions to ask is a good start.

How to Choose an Auto Repair Shop:

Check with the Better Business Bureau. Visit www.mbc.bbb.org for a list of accredited auto repair businesses in your area.

Shop around for the best deal, comparing warranty policies on repairs and asking pertinent questions like whether they offer loaner vehicles in case of extensive repairs.

Make sure the shop will honour your vehicle's warranty.

How to Choose a Technician

Look for shops that display various certifications. Certification indicates that some or all of the technicians meet basic standards of knowledge and competence in specific technical areas. Make sure the certifications are current, but remember that certification alone is no guarantee of good or honest work.

Ask if the technician or shop has experience working on the same make or model vehicle as yours.

Repair Charges

Before you arrange to have any work performed, ask how the shop prices its work. Some shops charge a flat rate for labour on auto repairs. This published rate is based on an independent or manufacturer's estimate of the time required to complete repairs. Others charge on the basis of the actual time the technician worked on the repair.

If you need expensive or complicated repairs, or if you have questions about recommended work, consider getting a second opinion.

Find out if there will be a diagnostic charge if you decide to have the work performed elsewhere. Many repair shops charge for diagnostic time.

Shops that do only diagnostic work and do not sell parts or repairs may be able to give you an objective opinion about which repairs are necessary.

If you decide to get the work done, ask for a written estimate. What should a written estimate include?

It should identify the condition to be repaired, the parts needed, and the anticipated labor charge. Make sure you get a signed copy.

It should state that the shop will contact you for approval before they do any work exceeding a specified amount of time or money. What should I know about the parts to be repaired or replaced? Parts are classified as:

New - These parts generally are made to original manufacturer's specifications, either by the vehicle manufacturer or an independent company. Your state may require repair shops to tell you if non-original equipment will be used in the repair. Prices and quality of these parts vary.

Remanufactured, rebuilt and reconditioned - These terms generally mean the same thing: parts have been restored to a sound working condition. Many manufacturers offer a warranty covering replacement parts, but not the labor to install them.

Salvage - These are used parts taken from another vehicle without alteration. Salvage parts may be the only source for certain items, though their reliability is seldom guaranteed. What do I need after the work is done? * Get a completed repair order describing the work done. It should list each repair, parts supplied, the cost of each part, labor charges, and the vehicle's odometer reading when you brought the vehicle in, as well as when the repair order was completed. * Ask for all replaced parts. Being prepared is the best thing you can do, and that starts with taking your vehicle in for regular checkups-breaking down on the side of the road can cause grief and great expense. If your car is due for a checkup, take it in before making a long trip. At the very least, check the car's fluid levels, wipers, and tire pressure. Check the condition of your tires and, if you plan on driving through serious winter weather, consider getting snow tires. For a listing of auto repair shops you can trust, visit www.mbc.bbb.org.

Apartment Rental

11/20/2012

After sending an email to express interest in the rental, consumers receive a strange reply that says the landlord is in Africa doing missionary work but the prospective renters could courier the keys if sent a security deposit.

BBB would like to offer the following advice to would-be renters:

Meet the person and visit the property first.

Do not send money to a person you have never met to reserve a place you have never seen.

Go to the rental suite and visit it in-person. Use websites that provide real landlord contact information. There are websites like viewit.ca or gottarent.com that record a landlord's address and bank information. This can provide more assurances than using Craiglist and Kijiji whose listings are not vetted prior to posting.

If it is a scam, report it. Flag the posting as scam with the website's administrator and contact police or Canadian Anti-Fraud Centre at 1 (888) 495-8501 or www.antifraudcentre.ca.

Apartment Rental

The BBB offers following tips when considering a mystery shopping opportunity:

Always check with BBB before doing business with any company at: www.mbc.bbb.org.

Exercise extreme caution when considering job offers which involve the transmission of money, especially to foreign countries. In addition to potentially significant financial loss, acting on these offers also puts you in danger of unwittingly violating provincial and even federal laws. Only forward money via wire when you know and have had personal contact with the individual.

-Remember that if an offer sounds too good to be true, it probably is.

-Visit the Mystery Shopping Providers Association (MAPCA) website at www.mysteryshop.org for a list of reputable mystery shopping companies and opportunities. Contact the companies, not the MSPA, directly, for more information on how to become a shopper.

Disputing parking tickets

10/24/2012

Posted on 10/24/2012 by

If you believe that you received a parking ticket in error, here are some tips on how to proceed:

Read your ticket to find out about your payment options. There may be a reduced fine for paying early. Contact the company as soon as possible to see if they have any way to eliminate tickets for first-time offenses.
Check to see if there is the option of contesting a City/Municipal parking ticket online or over the phone instead of appearing in court.
If you are disputing your ticket and it’s from a private parking business, contact the business immediately for resolution. Be sure to document when you parked, take photos if there is no private parking signage, and keep receipts of restuarants or shops you may have attended during the time in question. In some cases the company disputes that the person who parked in their lot actually frequented the store. Be sure to keep receipts handy for reference.
Be aware that unpaid and unresolved parking tickets may be forwarded to a collection agency and may eventually be reported on your credit report.
File a complaint with the Better Business Bureau: www.mbc.bbb.org if you cannot resolve the complaint directly with the company.

BBB Phishing Scam Update

10/24/2012

Posted on 10/24/2012 by

Vancouver, BC - October 24, 2012 - A new version of the scam using the Better Business Bureau (BBB) name has been reported, and has been received by consumers and businesses across North America.

How the Scam Works:
There are several versions of the email. One claims to be following up on a complaint filed with BBB, the other is asking for updated contact information "as a service to BBB Accredited Businesses." The newest variation falsely claims "One of your customers has submitted a review of your company."

All examples are good fakes - they use correct grammar and follow formats often used by BBB, so they look quite realistic. Both refer the recipient to an online form, and the address appears to be that of a local BBB. However, if you hover your mouse over the web address (the part that begins with http), you can see that the real address is not BBB at all. DO NOT CLICK ON THE LINK! The link actually takes you to a rogue website that downloads a Trojan virus on your computer.

BBB is working with a professional deactivation service to take down the websites that are spreading the malware, and we have reported the incident to the FBI and other law enforcement agencies. Consumers are urged to delete suspicious emails and keep their anti-virus software up-to-date at all times.

Example of the Phishing Email:
You can learn more about these bogus phishing scams and see a screen capture of the scam email at: http://www.bbb.org/us/article/email-phishing-scam-hijacks-bbb-name-again-36089 .

In the future, if you receive an email that appears to come from Better Business Bureau, please check with our local BC office at 604-681-0312 to determine whether it is legitimate. You can find updated information at: www.mbc.bbb.org. You can also forward the email to phishing@council.bbb.org for assistance.

Thank you for your time. We hope this information is helpful and please do not hesitate to contact us if you have any further questions.

Boo! Scareware Attacks on the Rise; BBB advice on how to protect your computer

10/22/2012

Posted on 10/22/2012 by

VANCOUVER, British Columbia – October 22, 2012 – Just in time for Halloween, the latest phishing scam, called ‘scareware’ is yet another horrifying technique used by hackers to steal personal information and spread viruses online.

“Scareware attacks are cropping up everywhere and are effective because they prey on anxiety and fear,” said Danielle Primrose, BBB President and CEO. “The first thing you think is that my system is compromised or has been locked by authorities, but in reality, there practical steps computer users can take to protect themselves.”

Computer users are reporting being “locked out” of their computers after receiving pop-up messages warning them their computer has been associated with child pornography. These warning messages can sometimes claim to be from the RCMP, CSIS, or even a bogus law enforcement organization like the “Canadian Police Cyber Crimes Centre.” The message requests that the recipient pay $100 dollars via online money transfer so their computer can be “unlocked”.

These types of messages, commonly known as ‘scareware’ or ‘ransomware’, are designed to create panic for victims who often respond by sending money quickly in hopes of removing the problem.

Following are steps computer users can take to protect their computer from a ‘scareware’ attack:

Protect your computer. Install updates to your operating system, purchase antivirus software from a name you trust and keep that software up to date. Also make sure that all security patches and updates are installed for your Web browser and programs like Adobe Flash Player. Never download anti-virus software from a pop-up or link sent to you in an e-mail.

Avoid clicking pop-ups and suspicious links. Never click on a pop up that claims your computer has a virus. Don’t click on links or attachments in e-mails sent to you by someone you don’t know.

Use tools to block pop-ups. Turn on your browser’s pop-up blocking feature to help reduce the threat of unwanted pop-up ads.

Take immediate action during an attack. If you receive a scareware pop up window, experts recommend forcing the window to close through your task manager. To do this, hold down ctrl, alt, and delete at the same time, open your task manager, find the browser in the list of running programs and click “end task.” Finally, run an antivirus scan with legitimate, trusted software.

Report the scam. If you’ve received a scareware message, please contact your local police office and the Canadian Anti Fraud Centre (1-888-495-8501) to report it at: http://www.antifraudcentre-centreantifraude.ca/

For more advice on fighting off hackers and staying safe online, visit www.mbc.bbb.org

Scareware examples:

Don’t get Tricked When Buying Halloween Treats

10/17/2012

Posted on 10/17/2012 by

VANCOUVER, British Columbia – October 18, 2012 – Looking to buy or rent a fun Halloween costume this season? You’re not alone.

According to the National Retail Federation, Canadians will spend about $75 per person (most of it on costumes). It’s a holiday we love, and retailers respond to that with specialty stores that set up shop in October and are gone the minute Halloween is over.

“During the month of October, we see pop-up stores offering costumes and other Halloween related items and we are concerned consumers are at risk ending up with subpar or defective merchandise,” says Danielle Primrose, President and CEO of the Better Business Bureau serving Mainland British Columbia. “We would like consumers to find out if the company has a track record, and find out information about refund policies. In most cases products would be final sale.”

When shopping at seasonal, temporary Halloween stores, and especially last-minute, it’s important to exercise caution. Better Business Bureau is advising shoppers to know the red flags and read the fine print to avoid fly-by-night costume venders.

Even if the store has a returns policy, you should go in with the assumption that whatever you buy is yours to keep, no matter what.

Here are some BBB tips to make sure your Halloween is “spooktacular” fun:

Do your research. Many seasonal stores are run by reputable retailers who take advantage of short-term leases on vacant space to set up temporary stores to augment their permanent space, but other shops may be in and out in a matter of weeks. While it is always good to check out a shop’s BBB Business Review at www.mbc.bbb.org, some seasonal businesses change their name from one year to the next as a way of disguising a poor track record. Ask around and know with whom you’re doing business before getting “tricked.”

Read the fine print. Just because it’s a seasonal store doesn't mean that the store or the business backing it up doesn’t have the same responsibilities as a year-round operation. Make sure to note the store’s refund and return policies to get a feel for all of the terms and conditions – they have to be made available.

Know what to expect before renting a costume. Rental costumes tend to be sturdier and more elaborate than the average Halloween costume, and you can often find something unique. Make sure you understand you responsibilities. What happens if, for example, the costume rips, you get a stain on it, or you lose it altogether? Do you have to pay for the whole costume? What about the cleaning? Make sure everything is spelled out in the rental agreement.

When purchasing costumes online, do it securely. Check a site’s security settings. If the site is secure, its URL (web address) should start with “https://.” You also may see a small picture of a closed lock in the lower right corner of the screen.

For more consumer tips, check out www.mbc.bbb.org.

Be on the lookout for “pretender” invoices, warns BBB during Small Business Month

10/16/2012

Posted on 10/16/2012 by

VANCOUVER, British Columbia – October 16, 2012 – Better Business Bureau (BBB) is warning BC-based businesses about an invoice scheme that uses misleading advertising tactics. As part of Small Business Month, the BBB would like to advise businesses that they need a trained and prepared staff for handling these slick sellers.

“Small business owners are particularly vulnerable to scams,” says Danielle Primrose, President and CEO of the Better Business Bureau serving Mainland British Columbia. “Businesses often have staff who are part-time or handle multiple roles, a vulnerability that bogus invoicing schemes try to exploit.”

Enterprise Corporate Webhosting Inc., based in Whistler, British Columbia, has an F rating with the BBB due to its misleading sales practices. Since July 2012, the BBB has received over 1,035 inquiries about the company and many letters of experience from businesses who received invoices from the company.

In all cases the companies invoiced had no previous dealing with Enterprise Corporate Webhosting Inc., and felt that the invoice was not justified because no services were actually rendered. The invoice often references webhosting, database installation, or remote accessing services. A copy of the invoice can be found at the following link.

BBB refers to this type of tactic as a “Pretender Scheme;” the invoice may pretend to be the business’ "authorized" webhost or service provider. This tactic is to give the company legitimacy as a previous supplier or vendor.

BBB attempted to follow-up with Andre Chartrand from Enterprise Corporate Webhosting Inc. (ECW) and the owner did not provide proof that any of the complainants who had filed with the BBB had previous services provided by his company. The most recent response regarding a bogus invoice from ECW stated that “the company was invoiced in error.”

BBB offers businesses the following tips for avoiding “Pretender Schemes”:

Train your staff. Advise employees who are not authorized to order supplies and services to refer any such sales people to the purchasing department.

Require sales pitches in writing. The purchasing department should be instructed to not respond verbally to unsolicited phone offers for office supplies.

Institute strict purchasing and accounting controls. Every purchase should be documented by issuing a purchase order to the supplier with an authorized signature and a purchase order number. The handling of invoices should be centralized and authorization closely checked.

Keep a list of regularly used vendors. This will help protect your business against schemers who claim your business previously used their services.

Know your rights. If you receive supplies or bills for services you didn't order, don't pay. According to Canadian law, it is illegal for a seller to send bills or ask you to return unordered merchandise. For unordered merchandise, consider it a gift. Send a letter to the company to notify that you will be keeping their product as a gift unless the company agrees to pick up their products at their own cost.

Don't deal with unknown sellers. First check the business' BBB Business Review at www.mbc.bbb.org.

Okanagan daily deal website to close, leaving consumers and businesses out of pocket

10/9/2012

Posted on 10/9/2012 by

VANCOUVER, British Columbia – October 9, 2012 – BC-based daily deal website, www.gosango.com is closing in October, leaving consumers wondering if their deals will be honoured and businesses out of pocket for the promotion. Better Business Bureau (BBB) suggests consumers inquire about refunds and to check directly with vendors to see if promotions will be still accepted.

“Businesses first reported that the daily deal website, GoSango.com was not providing payment to vendors who participated in daily deals earlier in 2012 costing some businesses thousands of dollars in losses. While group buying websites are popular ways for promotion, this is an example of how it can cost businesses money in the end,” says Better Business Bureau serving Mainland B.C. President and CEO, Danielle Primrose. “We encourage consumers to inquire about refunds and for businesses to honour deals, if possible, as a goodwill gesture.”

Daily deal websites offer products or services at a reduced price on the condition that a minimum number of consumers buy the deal. Consumers who purchase the special offer are then given a voucher to take to the business to claim their discount or are given a promotional discount to purchase a product. Businesses participating in a daily deal allow a website like GoSango.com to process payment from the consumers who subscribe to the offer, with the promise that the business get a percentage of the deal profits returned to them.

According to BBB reports, Gosango.com did not provide some of their participating vendors with full payment, as per the contractual agreement, and is now closing down its website at the end of October 2012.

In an investigation, BBB found out that GoSango.com sold the mailing list to another daily deal website, SmartBetty.com, but the company only bought the mailing list and not the legal liabilities, brand or website of GoSango.com. Smart Betty Inc. is headquartered in Ontario, but has a local franchise in Kelowna.

The owner of GoSango.com is Michael Minor, who made a statement of admission on December 18, 2011 to the BC Securities Commission, admitting to have “traded and distributed $3.2 million worth of Photo Violation Technologies Corp. securities without being registered or having filed a prospectus, and when no exemptions from the registration and prospectus requirements applied”, and in doing so contravened B.C.’s securities laws.

BBB has been in contact with several businesses that participated on the Gosango.com and found that several companies paid about $5,000 each on promotions run on the website. Some companies have received full and partial payment from GoSango.com.

If looking to purchase a deal through a daily deal website, BBB recommends the following to consumers:

Check out the business. Thoroughly research the business offering the special. Utilize BBB Business Reviews to see the company’s BBB rating and any history of complaints. Call the local City Hall to see if the company is operating with a business license.

Read the fine print. Make sure you fully understand the terms and conditions that come with the offer. Not every business has the same policy and those changes may be reflected in the offer details.

Verify the refund policy. Before making a purchase, consumers should know the stipulations for receiving a refund. Make sure to understand both the business refund policy as well as the refund policy of the collective buying site.

Pay with a credit card. Credit cards offer additional protection in the case that you do not receive your products or coupon promotion. For non-delivery of goods, you can request a credit card chargeback.

For businesses, BBB offers the following advice regarding participating on daily deal websites:

Do your homework. BBB recommends that businesses do their homework before participating and know the history of the owner especially if you entering into a new deal website. Look up owners to see if there are government actions, court cases, or any poor marketplace records online.

Look behind the numbers. Do some analysis as to whether your next group buying deal will be profitable for your business. While it may be nice to see a spike in the number of customers, daily deal websites expect businesses to offer a deep discount on your goods and services. The group buying site will also ask for a percentage of the profit for hosting your deal. In the end, you have to as yourself if you are making enough on the deal to warrant the extra work that comes with customers.

Consider if you can handle more business and honour your offer. Group deals will get customers in the door, but after that your company’s needs to shine by delivering on the promises in a timely and productive way. Failure to provide products on time or provide a good customer service experience could not only cost you repeat customers, but could harm your reputation.

Be reasonable and set limits. Keep control of your offer by setting limitations of your offer. Look at how long you plan to keep honouring the deal, limit the number of customers or products you can sell, so that you are comfortable your company can meet the demands of your new and existing customers.

To check the reliability of a company and find trustworthy businesses, visit Better Business Bureau’s website: www.mbc.bbb.org.

Publishers Clearing House scam letter

10/3/2012

Posted on 10/3/2012 by
BBB has received reports from consumers about Publishers Clearing House scam currently circulating in British Columbia.

After contacting Publishers Clearing House (PCH), which does run a sweepstakes promotion, BBB has confirmed that a mailing with the following contact information has no connection with PCH:

Phone: 866-407-3447 extension 142
Port Washington address
Fax: 866-369-9883
Emai: info@publisherschouse.com

PCH does not contact consumers by mail, email or over the phone for any prizes over $1,000. All prize announcements are made in person at the person's home address.

According to the PCH website, this statement describes why scammers use their name:

"This current mail appears to be a “Fake Check” scam. Scam artists send you an official looking letter claiming to be from a legitimate sweepstakes. The letter may illegally use the name of a well known company like Publishers Clearing House or a sound alike name in an attempt to build trust. (These offers are not affiliated in any way with Publishers Clearing House!) The letter encloses a real looking check that may appear legitimate. Even your bank may be fooled.

What’s the catch? Even though the check is bogus, if you deposit the check the money may be available to you for a short time. Banks make the funds you deposit available quickly – usually within one to five days, depending on the type of check. But just because you can withdraw the money doesn’t mean the check is good. It can take weeks for the forgery to be discovered and the check to bounce. And that’s what the scam artists are counting on. They hope that if you believe the check is real you’ll be willing to send them money back."

Anyone who believes they have been the victim of a fraudulent contact using the name of Publishers Clearing House, may contact the company at their toll-free fraud number 1-800-392-4190.

If you want to report a fraud, or if you need more information, contact The Canadian Anti- Fraud Centre:

Toll Free: 1-888-495-8501
Toll Free Fax: 1-888-654-9426
Email: info@antifraudcentre.ca

To report economic crime on-line please click here

Five ways to save on event tickets

10/2/2012

Posted on 10/2/2012 by

The internet has become a boon for the secondary ticket market for sporting and entertainment events, which includes tickets bought and sold by professional brokers, speculators and season ticket holders. Better Business Bureau (BBB) recommends some smart shopping advice to save money before trying to score those event seats.

“Shopping for entertainment tickets has changed with the growth technology as there are mobile sales options, ticket resellers, and even online ticket auctions that are driven by consumers,” says Danielle Primrose, President and CEO of the Better Business Bureau of Mainland British Columbia. “Despite all these advantages, you still hear about consumers struggling to get tickets at fair prices.”

The secondary ticket sales market is estimated by some to be worth $4.5 billion annually, with companies like Stubhub.com offering a way for consumers to buy and sell tickets. Consumers can pay significantly higher ticket price mark-ups in the secondary market, but there are other risks.

Consumers who go online to classifieds like Craigslist.ca and Kijiji.ca can also face legitimate concerns about fraudulent tickets being sold.

To secure tickets from anything from concerts to sporting events, BBB offers the following advice to consumers:

1. Use social media to gain an edge. Many authorized fan websites for music groups and sports teams will have mailing lists or updates about presales. Consumers may want to sign up for these mailing lists to get advanced notice of a ticket pre-sales.

2. Ask about dynamic pricing options. Find out if the primary ticket seller uses dynamic pricing options. In cases of sporting events, some tickets may be cheaper if the visiting team is in less demand. Ticket prices for concerts can change right until the day of the event.

3. Comparison shop. Check out online comparison websites like Tickpick.com to get an estimate of ticket price values to ensure that if you are buying above face-value, that you are not being price gouged.

4. Ticket protection for online buys. If you use a fan-to-fan website like Stubhub.com or eBay.com look at whether the website has any protections in place in case your tickets ends up a fake, or for non-delivery of the ticket.

5. Procrastination may be the best money-saving option. If you wait until the event day you may be in luck for a discount on rush tickets from the box office. Some companies offer exclusive half-price tickets on the event day. All of these options may help to reduce the convenience fees associated with regularly ticket purchases.

Before shopping with any company, visit the company’s Business Review at the Better Business Bureau website: www.mbc.bbb.org.

Olympics got you pumped to get fit? Things to know before joining a gym

9/13/2012

Posted on 9/13/2012 by

Vancouver, BC - September 13, 2012 - After watching the world’s greatest athletes during the Olympics, consumers may be signing up with a gym or fitness club eager to get in shape. Better Business Bureau and Consumer Protection BC would like to remind consumers to know your rights and look for a club that fits your needs.

Most people who join health clubs are pleased with their choices, but it’s important to make informed decisions. Some consumers report problems with high-pressure sales tactics, misrepresentations of facilities and services, broken cancellation and refund clauses and lost membership fees as a result of spas or clubs going out of business.

The most common complaints received by the BBB consumers have focused on two areas, contract disputes and billing issues. Last year alone, BBB received 153 complaints related to fitness clubs. Consumer Protection BC gets many questions from consumers about their cancellation rights and is responsible for enforcing BC’s consumer contract law related to gym contracts.

Recently in Metro Vancouver, Fit City for Women closed its Richmond and Burnaby locations which may have affected hundreds of clients who may now to go other fitness locations. The Better Business Bureau and Consumer Protection BC advise consumers to consider the following tips before joining a fitness club:

Shop around. Compare clubs to find one that matches your interests and your budget. Check the company’s reliability report with the BBB before making a long-term commitment by visiting www.mbc.bbb.org or calling 604-682-2711 (1-888-803-1222 in the Interior).

Take your time. Give yourself time to make your final decision, and don’t cave in to high-pressure sales. A hasty commitment to take advantage of a limited time offer may cost you more in the long run. Ask about free trials, and see if you can sample the services and equipment before you buy.

Find out if the club is suitable for you. Make sure the hours and location are convenient, and that you’re satisfied that the staff is qualified and helpful. Find out what sorts of programs and fitness classes are offered to match your lifestyle, and if those programs are included in your membership fees or cost extra.

Carefully consider the contract. Take a copy home to read thoroughly before signing. Be sure to find out about your cancellation rights. Be cautious of clubs that pressure you to sign on the spot. Ask yourself the following questions:

- Does the contract list all services and facilities?
- What is total cost and payment schedule, including enrollment fees and finance charges? Do some services cost extra?
- How long is a membership term? A short-term membership may be more suitable for you. - Does the contract allow for a trial period?

A gym membership in considered a continuing service contract in BC. By law, you have 10 days, from date of signing, to cancel the contract in writing.

Many gym contracts are for two years. Consumers should also know that gym contracts can automatically roll over after two years. However after two years, the contract must be month to month and the consumer has the right to cancel at that time. Cancellation must be made in writing and given 30 days notice. A good tip is for a consumer to note when the two year contract expires and if they wish to cancel the contract, they should advice the gym 30 days before the contract ends. To find out more about your rights and responsibilities related to fitness contracts, visit www.consumerprotectionbc.ca or call Consumer Protection BC toll free 1-888-564-9963.

Don’t get burned by furnace fraud, BBB warns

9/10/2012

Posted on 9/10/2012 by
Vancouver, BC - September 10, 2012 – Fall is the ideal time of year to have your furnace serviced - before the busy winter season starts. Better Business Bureau warns the public to be cautious about misleading door-to-door heating contractors who may use misleading sales tactics to convince homeowners to buy a new furnace or hot water tanks.

In one recent scenario a consumer was sold a hot water tank by a company who stated it was a 2011 model when in reality the tank was from 2003. Reports are this same contractor is operating around British Columbia and does not have proper safety licensing and is having consumer issue cheques with no company contact information for payments.

In the past the BBB has received reports of con artists who tried to frighten consumers into purchasing a new heating with warnings that their heating system is leaking dangerous gases that could explode or poison those inside the house.

Before you choose a heating contractor consider the following tips:

Start with the BBB. You can find out helpful information like, owners, company addresses, and customer service information by visiting the company’s Business Review at: www.mbc.bbb.org.

Hire heating contractors who:

Are licensed with the BC Safety Authority; call 1.866.566 SAFE (7233)

Are or employ certified gas fitters

Are bonded and insured for liability and property damage

Can provide you a copy of the gas permit authorizing the company to work on your heating system

Offer warranties that cover equipment, materials and labour

Offer maintenance and service after installation and after warranties have expired

Provide customer references

Get at least two estimates for the work. All bids should be in writing and should provide a full description of the services to be provided and the materials to be used.

Compare more that just cost. Check the size and rated efficiency of the equipment each contractor recommends. Ask each contractor how they arrived at recommending a particular sized system. Check the warranty offered and make certain you understand it.

Inspections every year are recommended but not mandatory. The BC Safety Authority states that it is recommended and not mandatory for a consumer to have their heating system inspected yearly. Be wary of any company that states it is call from your municipality, or stating that it is required by law to have an inspection.

Know your rights and read your contract carefully. Consumer Protection BC regulates door-to-door sales contracts. Consumers should know that they have 10 days to cancel these types of contracts and that there are limits to the deposit required. For more information, contact the Consumer Protection BC at 1.888.564.9963 or go to: www.consumerprotectionbc.ca

If you smell gas and suspect that you have a leak, leave. Contact Fortis BC at 1-800-663-9911 and leave the building, keeping the door open and any windows that may already be open.

No “guarantees” selling with online car advertisers, advises BBB

8/29/2012

Posted on 8/29/2012 by

Vancouver, BC - August 29, 2012 – Better Business Bureau (BBB) reports on a number of BC-based companies who target consumers who are selling vehicles with questionable advertising opportunities.

“If you are selling your vehicle through a classified ad, you may get a call from a company guaranteeing they have a buyer for your vehicle,” says Danielle Primrose, President and CEO of Better Business Bureau serving Mainland BC. “The approach makes it sound like the company has buyers waiting to buy your vehicle, but the reality is that you are purchasing online advertising that comes with no guarantees.”

The BBB has received 40 complaints in industry in last 12 months and 81 over the last three years our standard reporting period. Several companies operating out of British Columbia have F ratings with the Better Business Bureau serving Mainland British Columbia.

Companies telemarketing their services ask for a fee guaranteeing that the purchaser will pay more than the vehicle is advertised for or they will list your vehicle on their classified site with the promise that if the vehicle is not sold for more within 90 days, you will get your money back.

Reports to the BBB show that the vehicle is not sold through the advertising and the so-called “guarantees” are not followed through and consumers are out of pocket the funds for the advertising. These companies often require you to submit a signed company form which must also be officially notarized. They also usually require that this be done in a very specific time period after the end of the 90 day period (often 5 or 7 days).

The BBB advises consumers to be wary of brokers who "guarantee" auto sales with prearranged buyers and provides the following tips:

· Ask detailed questions such as: is the buyer specifically interested in your vehicle, rather than a range of similar vehicles? Always understand telemarketing offers and ask for additional documentation.

· Understand the refund and cancellation policies. You may need to notarize the letter of cancellation and there is us usually a specific time period for cancellation.

· Check to see if the telemarketing company is licensed through Consumer Protection BC at consumerprotectionbc.ca or 1-888-564-9963. Also, review their Business Review with the Better Business Bureau at mbc.bbb.org.

· Always read all terms and conditions thoroughly and understand that if an offer seems to be too good to be true, it often is. Consumer Protection BC licenses and regulates certain aspects of the telemarketing industry. For more information please visit www.telemarketingrightsbc.ca.

BBB advises to do your homework when back-to-school shopping

8/14/2012

Posted on 8/14/2012 by

School is just around the corner and students are rushing to take advantage of back-to-school deals on everything from computers to clothing. Better Business Bureau (BBB) has some back-to-school basics to keep in mind.

“Whether shopping for new clothes, pens and pencils, or electronic items it’s important to be prepared and have a plan,” says Danielle Primrose, President and CEO for the BBB serving Mainland British Columbia. “It will keep you on budget, save you money, and avoid getting stuck with an item you don’t want.”

The 2012 Huntington Backpack Index estimates that back-to-school costs for students in kindergarten through high school are expected to increase by as much as 6 percent this year. A child in elementary school could cost a parent up to $548 in shopping costs. Consumers need to sharpen their own pencils and take out their calculators to factor in whether they are getting a good deal.

BBB has these tips to help you be a savvy back-to-school shopper:

Plan ahead. Set a realistic budget and stick to it. First check what you have from last year’s supplies which could be re-used, then make a list of the items you need to purchase to avoid buying on impulse. Be sure to check with your child’s school for a list of required to avoid return trips.

Ask about returns and refunds. Shopping for new clothes, accessories, and electronics is one of the highlights of going back to school. Ask the store about their return policy and always keep the receipts. In B.C., stores are not legally required to exchange an item or give a refund.

Ask about restocking fees. Some merchants charge a restocking or “open box” fee—sometimes as high as 20 per cent of the original cost—for returns of electronics products or large-ticket items. Ask if that is the policy so that you know before you buy.

Shop smart online. Find out the physical location and phone number of the merchant. Read the refund and return policy, have in writing any warranty or guarantee details, be familiar with delivery/shipping costs and time schedules, feel comfortable that the merchant is reliable and not the subject of consumer complaints, and be able to trust that any information you submit to complete the sale transaction (credit card number, etc.) will be treated with the proper care.

Know the true cost of what you are purchasing. You might be moving out for the first time and buying new furniture. If you are buying an item on credit, make sure you are aware of not only the interest rate being charged, but any additional fees and costs associated with purchasing on credit including late payment charges. If you engage in cross-border shopping, factor in the cost of gas, duty taxes, and any other additional costs associated with getting your goods back home.

Go online and do some comparison shopping. There are now smart phone applications that help you to do price checking for a variety of products. Lastly, check out a company’s rating with the BBB at www.mbc.bbb.org.

Hiring a contractor: insurance basics

7/27/2012

Posted on 7/27/2012 by

It’s important to make sure the contractor has workers’ compensation and third-party liability insurance for all the people on the job and damage they may cause. According to the Canadian Mortgage and Housing Corporation, $2 million is standard, this may not be the case in rural areas for liability insurance.

Don’t just take the contractor’s word — ask to see a certificate and check to make sure it’s current. Don’t accept or assume any liability for the contractor or trades people.

As for your liability, your homeowner’s insurance policy may cover you during a project done by a renovator but you should always advise your insurance provider of any renovation work ahead of time.

However, if you’re acting as your own general contractor and employing trades people, your policy won’t automatically cover you. You’ll have to ask your insurance company for temporary coverage, which will likely involve a small extra premium. Again, make sure any tradespeople you hire have their own insurance.

Before hiring a contractor make sure they:

Hold a valid BC Safety Authority Licence
Provide references
Have liability insurance
Are covered through WorkSafeBC
Provide warranties on all work and materials
Submit the written quote with:
Total cost of work
Timeline: start and end date of work
List of permits and the costs (i.e. electrical, gas, building)

Vehicle Repair Liens

7/24/2012

Posted on 7/24/2012 by

If you have taken your vehicle to an auto repair shop to have it serviced you may end up having a lien placed on your vehicle if you have not paid your bill. A lien is a legal seizure and enforcement that can lead to you losing possession of the vehicle and it eventually being sold by the mechanic for recovery of lost monies. A lien is most often placed by a bailiff that is contracted by the auto repair shop once they have taken possession of your vehicle and have a signed work order to repair your vehicle. If there is no signed work order, the repairmen may not be eligible to place a lien legally.

The Repairers Lien Act is a statute which provides specific seizure and enforcement and sale provisions for repairers who have bestowed money or material on a vehicle in its alteration or improvement on its property or increases its value.

In the event that the repairer surrenders possession of the vehicle the only way in which a repairers lien can continue to remain in force is if there is a written acknowledgment of indebtedness by the person who requested that the work be carried out by the repairer. If the repairer never had physical possession of the vehicle then no lien right remedy is available. Further the lien right will only continue for a period of 21 days after possession of the vehicle is surrendered by the repairer unless in the interim the repairer has filed a financing statement as against the vehicle in the British Columbia Personal Property Registry.

The situation would be overseen by the Ministry Of Justice as they administer the Personal Properties and Securities Act which is the act that oversees this aspect of bailiff activities.

Bogus advance fee loan company uses online classifieds to target victims

7/24/2012

Posted on 7/24/2012 by

VANCOUVER, British Columbia – July 24, 2012 – Better Business Bureau (BBB) is warning consumers about a loan scheme targeting residents across Canada through online classified ads promising personal and business loans up to $100,000.

“In a market where credit is tightening, consumers will look to these unregistered loan companies who are only interested in collecting fees,” says Danielle Primrose, President and CEO of Better Business Bureau of Mainland British Columbia. “Offers that practically guarantee loan approval are usually too good to be true.”

Global Financial Services purports to be at 600-666 Burrard Street in Vancouver, but there is no licensed or incorporated company at that address. Consumers who found the Global Financial Services ad on the online classified, vancouver.backpages.com (and other Canadian city backpages.com sites) believed that they found a local company offering loans.

The company conducts most of its business through email, including sending its contract for an advance fee loan. A consumer reported paying an advance fee of $216 to "cover transfer, insurance and underwriter's fee" to Global Financial Services. The company provided a loan agreement which offered to lend $10,600 to the consumer. The consumer was instructed to send the fee through wire transfer services. The wire transfer record shows that the money may have been transferred to a Montreal, Quebec address. The consumer did not receive the loan.

Your Better Business Bureau offers the following points to consider before responding to ads promising guaranteed loans:

Stay away from advance fee loan companies. It is illegal for a company to charge a fee in advance to obtain a loan, even if that fee is disguised as the first or last month's payment, security, or insurance. Victims of advance fee loan schemes who have sent money to process a loan have not received the loan as promised. Although legitimate lenders may charge a fee, the fee is deducted from the loan amount. You should never have to pay a fee in order to obtain or apply for financing.

Be cautious about online loan offers. Bogus loan brokers are out there posing as legitimate ones and using online classifieds because these scammers can post anonymously. Legitimate loan brokers would not guarantee any qualification for a loan before reviewing your financial history.

Do your homework. Protect yourself by doing your research and taking precaution with whom and how you give your personal and financial information. Check with the Better Business Bureau first at www.mbc.bbb.org by looking up the company’s Business Review, or call and ask us to look into the company.

Don’t be pressured to act immediately. Loan scams will always use terms like this offer is for a limited time only or the phone calls will have high pressure tactics. Don’t allow yourself to be bullied into providing your information or payment.

Avoid giving out personal information. Advance fee loans not only aim to profit from financially vulnerable consumers, these schemes often ask for sensitive personal information like Social Insurance Numbers, driver’s license number, and possibly banking account information. Do not provide this information unless you are certain you are dealing with a legitimate company.

Report the crime. Your Better Business Bureau strongly urges individuals to report any suspected fraudulent schemes to their local police or to Canadian Anti-Fraud Centre at 1 (888) 495-8501. Victims of bogus loan brokers are encouraged to file a complaint with the BBB. While the chance of recovering the payment fee is minimal, victims can provide information to help BBB warn consumers and assist government investigations.

Daily deals not always living up to promises, says BBB

7/18/2012

Posted on 7/18/2012 by

VANCOUVER, British Columbia – July 18, 2012 – Better Business Bureau (BBB) reports that in the past year a spike in complaints with daily deal promotions (also known as group buying) have ended up with no orders delivered, services not rendered, and a lack of communication between the vendor and its customers.

“Group buying websites are popular ways for businesses to offer daily deals and special promotions,” says Better Business Bureau serving Mainland B.C. President and CEO, Danielle Primrose. “What we are seeing is companies not prepared to handle the volume of sales that comes with group buying, and a lack of due diligence on the part of group buying sites about who is selected as a vendor.”

Collective buying sites offer products or services at a reduced price on the condition that a minimum number of consumers buy the deal. Consumers who purchase the special offer are then given a voucher to take to the business to claim their discount or are given a promotional discount to purchase a product. But, that’s sometimes when the deal can fizzle out.

Each year Better Business Bureau receives hundreds of complaints from consumers whose “deal” only led to frustration. Cooldroids.com of West Vancouver had daily deal offers on websites like Teambuy.ca and Dealfind.com.

Consumers have reported products going undelivered, and in some cases have had very little to no communication with the vendors. While the daily deal websites that offer the deals are generally responsive to their customers, vendors like Cooldroids.com have had challenges fulfilling orders due in part to underestimating the popularity of the deal.

Earlier this spring, while Cooldroids.com has not responded to 45 complaints since last Christmas when it ran a consumer electronics promotion on Teambuy.ca.

If looking to purchase a deal through a daily deal website, BBB recommends consumers:

Check out the business. Thoroughly research the business offering the special. Utilize BBB Business Reviews to see the company’s BBB rating and any history of complaints. Call the local City Hall to see if the company is operating with a business license.

Read the fine print. Make sure you fully understand the terms and conditions that come with the offer. Not every business has the same policy and those changes may be reflected in the offer details.

Verify the refund policy. Before making a purchase, consumers should know the stipulations for receiving a refund. Make sure to understand both the business refund policy as well as the refund policy of the collective buying site.

Pay with a credit card. Credit cards offer additional protection in the case that you do not receive your products or coupon promotion. For non-delivery of goods, you can request a credit card chargeback.

To check the reliability of a company and find trustworthy businesses, visit www.mbc.bbb.org.

Better Business Bureau public phone line temporarily not available

7/12/2012

Posted on 7/12/2012 by

Better Business Bureau serving Mainland BC is having a technical issue with its public phone line on Thursday, July 12, 2012. The public phone line 604-682-2711 is not available currently. We ask consumers to use our website to check for information about businesses and file complaints.

As alternative, you can message us via Email: contactus@mbc.bbb.org or use our Twitter: www.twitter.com/BBB_BC

We apologize for any inconvenience and are working to correct the issue as quickly as possible.

Computer virus fixing schemes back in BC, BBB Warns

7/10/2012

Posted on 7/10/2012 by

A phone scam that ranked number one last year for the Better Business Bureau of Mainland BC (BBB) is back in B.C. again. Callers claim that the person’s computer is compromised and they are requesting access in an attempt to bilk consumers out of dollars while at the same time giving them access to personal data.

“The virus fixing scam was particularly rampant across Canada last year and we are having similar reports again,” says Danielle Primrose, BBB President and CEO. “Scammers are trying to capitalize on the public’s fear that that their computer has been compromised.”

Consumers who have contacted BBB to report their experience say that the scam always starts the same way: the phone rings at their home, and the caller asks for the householder, quoting their name and address before stating that there “was a report from your internet service provider of serious virus problems from your computer.”

In order to “fix” it, the computer owner is directed to a website and told to download a program that hands over remote access to the computer. And then comes time to pay a fee for a subscription to this preventative service.

The catch: there was never anything wrong with the computer, and the owner has given a complete stranger access to every piece of data on their computer.

The company that is currently doing cold calls appears to be going under the name "Swap PC Care," which appears to be based in India according to its website. BBB attempted to contact the company, whose agent confirmed that they are calling Canadians, but refused to provide any further information.

BBB advises the public that these phony phone calls are common, and people should:

Treat all unsolicited phone calls with skepticism. Check with the organization directly that the caller is claiming to be from, using the contact numbers found on their website.

Do not provide any personal information. Many of these scam calls are an attempt to steal your identity, not just your money. Don’t provide personal information over the telephone.

Never provide credit or debit card information for payment. You may be able to reverse charges made through your credit card, but you’ve given enough information for fraudsters to use your account for other transactions. And debit purchases are difficult to reverse.

Report any fraudulent activity, especially if you’ve been a victim. Consumers should report any fraudulent activity to the Canadian Anti-Fraud Centre at 1 (888) 495-8501 or www.antifraudcentre.ca.

Protecting Your Identity

6/27/2012

Posted on 6/27/2012 by
Legal Software

Can you trust your software? Did you know that by unwittingly using unlicensed software you could potentially be loading a hidden portal/window to all your data and your identity?

In today’s world, you rely on your computer to work for you and to run your business. You store thousands of photos, music collections, and important documents; you make purchases, enter personal information, and search the Web. Imagine what it would be like to lose all your favorite family photos, or have your financial data stolen as a result of malicious or unwanted software running on your computer. Market research firm IDC reported in a recent study that obtaining and using pirated software can pose a serious security threat to organizations and individuals. Often, counterfeit software can lead to a corrupted system, a loss of data, and even identity theft. Also, in using counterfeit software you may encounter technical support and product upgrade challenges and expose yourself to serious legal risks.

The risk of running counterfeit software is real. How do you know whether or not you are using licensed software? In most cases licensed software comes with product keys or registry keys. Operating systems such Windows can be verified as legitimately licensed product by the manufacturer as is the case with Microsoft Windows by loading “Windows Genuine Advantage”.

Phishing

Phishing has become one of the fastest growing threats on the Internet and is also one of the most invasive. In most cases, a deceptive email message directs victims to a bogus site designed to look like a legitimate business. These sites have been established to gather sensitive information, such as your name, address, phone number, password, Social Insurance Number, and financial information that can then be used for criminal activities like identity theft.

One of the simplest ways to fight identity theft is to be discerning and vigilant – trust your instinct. Sympatico / MSN (http://safety.sympatico.msn.ca) and the Canadian Council of Better Business Bureaus (http://www.ccbbb.ca/alerts_idtheft.cfm) features practical tips like these below to help you protect yourself and ensure a safer online experience. But it’s better to be safe than sorry – if you have doubts, leave questionable sites altogether.

Rule 1: Be defensive with personal information

• Give out personal information in person, over the phone or online only when you initiated the contact. If you are on a site that requests personal information, make sure it’s legitimate and secure by looking for ‘https’ in the address bar (‘s’ stands for secure) and a padlock icon.

Rule 2: Protect your credit and your bottom line

• Carefully check your financial statements every month for suspicious activity. If you spot something, immediately alert your credit card company or the creditor.

Rule 3: Create strong passwords and keep them secret

• Your first line of defence in the virtual world begins with your password or your personal identification number (PIN). Create strong passwords that you can remember and keep them secret. Passwords should have at least eight characters; include a combination of letters, numbers and symbols; and be easy for you to remember but difficult for others to guess.

Rule 4: Improve your computer's security

• You can greatly reduce your risk from hackers, viruses and worms by using a firewall, installing antivirus software and updating it routinely, and keeping your Windows software up to date. Protect your PC by following Microsoft's step-by-step instructions at http://safety.sympatico.msn.ca.

MSN Canada, a division of Microsoft Canada, and the Canadian Council of Better Business Bureaus are very concerned about preserving and protecting your identity. To learn more about these types of fraud and how to protect yourself visit http://safety.sympatico.msn.ca and http://www.ccbbb.ca/alerts_idtheft.cfm .

Disaster Donors Be Careful Who You Give Money To

6/27/2012

Posted on 6/27/2012 by

Whenever there is a major natural disaster you can count on the generosity of Canadians to donate time and money to help victims, and the other is the appearance of poorly run and in some cases fraudulent charities.

People need to be concerned about avoiding fraud, and to make sure their money goes to competent relief organizations that can handle the unique challenges in disaster areas.

BBB offers tips to help people decide where to direct donations and ensure that their money provides the most benefit to victims of disasters:

When in doubt, check it out. When an unfamiliar organization asks you for a donation, don’t give without gathering details about the charity, the nature of its programs and its use of funds. Visit the Canadian Revenue Agency at www.cra-arc.gc.ca/tax/charities for a list of registered charities in Canada. To search for licensed third-party telemarketers in BC who are making calls on behalf of legitimate charities, please visit the Business Practices & Consumer Protection Authority website at www.bpcpa.ca.

Find out if the charity has an on-the-ground continuing presence in the region. Due to the difficult conditions in Myanmar, unless the charity already has staff inside the country, it will be difficult for new aid workers to attain visas and ultimately accomplish aid assistance in the country. Check out organizations at www.InterAction.org—the nation’s largest coalition of international relief organizations—to verify which aid organizations are currently active in Myanmar.

Find out who benefits and what type of aid will be provided. The immediate needs are often food, water, shelter, transportation and clean-up efforts. Often long-term goals cannot be met because organizations may not be permitted to operate for an appropriate amount of time.

Be wary of claims that 100 percent of donations will assist victims.

Despite what an organization might claim, charities have fund raising and administrative costs. Even a credit card donation will involve, at a minimum, a processing fee. If a charity claims 100 percent of collected funds will be assisting victims, the truth is that the organization is still probably incurring fund raising and administrative expenses. They may use some of their other funds to pay this, but the expenses will still be incurred.

Find out if the charity is providing direct aid or raising money for other groups that are active in the region. Some charities may be raising money to pass along to relief organizations that are already active in the region. If so, you may want to consider “avoiding the middleman” and giving directly to charities that have a presence in the affected region. Or, at a minimum, check out the ultimate recipients of these donations to ensure the organizations are equipped to effectively provide aid.

Be cautious when giving online. Take precaution when responding to spam messages and emails that claim to link to a relief organization. Emails that claim to link to a relief organization. In response to the tsunami disaster, there were concerns raised about many Web sites and new organizations that were created overnight allegedly to help victims.

Watch out for charity fraud. Legitimate charities do not demand donations; they willingly provide written information about their programs, finances or how donations are used; and they never insist you provide your credit card number, bank account number or any other personal information.

Tax receipts. If you are looking to make a tax deductible donation, only a registered charity has received a Registration Number from the Canada Revenue Agency and can issue donation receipts for gifts.

Learn more about giving to charities by visiting us at www.bbb.org.

Don't make a bad move this summer

6/25/2012

Posted on 6/25/2012 by

Planning a summer move can be a big challenge. Every year the Better Business Bureau of Mainland BC (BBB) hears countless stories about late movers, lost and damaged goods, over-billing, and disputes over the actual weight of goods compared to the estimate.

“Consumers needs to read the terms and conditions before moving day and not rely solely on price when deciding on a mover,” says Danielle Primrose, BBB President and CEO. “Keep in mind the value of your belongings when doing your research to avoid making a bad move.”

Here is a typical consumer moving complaint: After getting a new job Mary needs to relocate from New Westminster to Victoria. She finds a company online that specializes in cross-province moves and they promise the cheapest rates. She agrees to everything over the phone without getting a contract in writing. She estimates the weight of her belongings and gives it to the company for a quote. Move day comes along and the movers show up late and when they deliver the goods to her new residence they are given a bill that is three times the price of the original quote citing that the goods were heavier than the quote. Mary refuses to pay extra and her belongings are then driven away to an unknown storage facility until she pays up. Mary feels blackmailed, and wonders if she should charge this company for theft.

Last year the BBB moving companies rated seventh overall in the number of complaints received by the BBB of Mainland BC.

Start planning ahead several weeks before your targeted moving date. Here are some quick tips to help you with your move:

1. Shop around. Get at least three estimates and keep in mind that the lowest bid may not necessarily be the best service when you consider insurance, training, experience, quality of vehicle, etc.

2. Check out the company’s record. Before hiring a moving company, go to www.mbc.bbb.org for a Business Review on the company. If your moving company is not responsive to a complaint you have brought to its attention, consider filing a complaint with the BBB.

3. Deal with insured companies. Ask for a clearance letter from the mover stating that they have insurance coverage from WorkSafeBC. If they don’t, you may end up paying for any employee injuries during the move.

4. Get a written contract. Make sure you get a contract that spells out the specific terms: the dates and times of your move, holding charges, and over-weight penalties.

5. Weighing your items. Have the moving company visit your home to do the weight estimate. Ask that the company be able to provide weigh scale ticket for your items on the day of the move.

6. Ask about insurance. Find out how much insurance the mover has and what it covers. Ask for the insurer’s name and policy number in case you need extra insurance to protect your possessions.

7. Make a list and check it. Make an inventory of the goods to be moved. Personally supervise or have someone trusted with your inventory list watch the loading and unloading of the truck. Take photos of any special items to show their condition prior to the move.

8. If you pack you pay. Remember, if the moving company packs everything, they are responsible; if you pack things, you are on the hook for damages. If you pack, place heavy items on the bottom, lighter ones on top and label boxes.

9. Check your items after the move. As soon as the move is complete look over all the items delivered to ensure nothing is missing or damaged.

10. Report loss or damage. If damage or loss occurs, have the driver make a special note on the inventory and/or delivery receipt, then promptly notify the company in writing, keeping a copy for your own files.

BBB warns consumers about rise in SMiShing attacks

6/20/2012

Posted on 6/20/2012 by

Better Business Bureau is warning consumers to be wary of text messages offering free Walmart and other well-known retailer gift cards. The link in the text message leads to a website asking for consumers’ information, such as credit card information and birth dates.

“We are concerned about these scam text messages because in many cases they are using well-established brand names to build trust,” says Danielle Primrose, President and CEO of the Better Business Bureau serving Mainland B.C. “We urge consumers to verify the source and contact their telecommunications provider to report anything that may be fraudulent.”

SMiShing is defined as a phishing scams that are sent over Short Message Service (SMS) text messages on cell phones and smart phones.

Text messages such as "Congratulations, you've won!" and "Enter code 6655 to claim your $1000 gift card" are all red flags that a "SMiShing" scam is in the midst. The most recent SMiShing message instructs people to call a toll-free number or visit a website to redeem the free $1,000 Best Buy, Wal-Mart or Target gift card. Many of these messages come with embedded links that can ultimately spread viruses to the phone if clicked.

If you receive SMiShing scams, BBB advises you:

Don't fall for it. Know that retailers or others generally don't just give away very valuable gift cards or products for free. If it seems too good to be true, it probably is.

Do not reply. Replying to a spam text only verifies that your number is active, which will result in more texts.

Do not click any links. If a text is not solicited by you, do not click any links that are contained in the text.

Keep your information private. Never give out any sensitive information such as social security numbers or bank account numbers.

Report SMiShing texts. Contact your local BBB to report any scams you receive and forward any SMiShing texts to your cell phone provider.

Ask your service provide to "block texts from the internet"

Many cell providers will let you turn on a feature that will block texts that come in from the internet. This is an easy way to reduce spam and SMiShing attempts.

For more consumer information, visit the Better Business Bureau website: www.mbc.bbb.org

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Looking For Father's Day Gifts? BBB Tips Can Help You Avoid Shopping Scams

6/12/2012

Posted on 6/12/2012 by
Father’s Day is coming up this Sunday, and dads are high on many people’s shopping lists. The Better Business Bureau (BBB) serving Mainland British Columbia wants to help families avoid some of the common last minute shopping pitfalls.

“Father’s Day should be about celebrating and spending wisely when shopping for the perfect gift for Dad,” said Danielle Primrose, BBB President and CEO. “Before you buy a gift, know the refund and exchange policies of where you are buying from.”

Popular gifts and things to consider when Father’s Day shopping includes:

Gift cards and gift certificates: Check terms and conditions of any gift card or certificate before you buy it. Gift cards and gift certificates (pre-paid purchase cards) issued or sold in British Columbia are not allowed to have expiry dates or fees. However, if you buy a gift certificate from a daily deal website it may be allowed to expire if you do not buy the product at face value. Also, ask if the gift card can be used online or only in a store?

Electronics: If you decide to buy a camera, GPS system, cell phone, music player or another electronic device, be sure you keep it in its original packaging. Encourage your Dad to look it over carefully before opening it. Some stores may not accept returns if the packaging has been opened or removed. Ask about any warranties on gadgets.

Recreational rentals: If you want to rent campers, boats or other recreational equipment for your dad, be sure you get a written contract that details the cost, insurance and time restrictions. Inspect the rental and get written proof of existing damage before renting the equipment.

Guides, tours and classes: Fishing, sightseeing, skydiving and golf lessons can be a fun way to spend time with Dad. But you will need to get the details in writing in advance of the trip or class. Make sure you clarify the following:

Are reservations required and if so, by when?
What are the total costs and features?
What services and equipment are included?
Are taxes, tips or other charges added?
Are there any restrictions or special time requirements.
Are there cancellation fees or refund penalties or policies

Clothing or personal items: Despite our best intentions, sometimes there may be a problem with the item or it may not fit. If you don’t know what size or color your father prefers, make returns easy by getting a gift receipt.

For more consumer tips like these, visit the Better Business Bureau website: www.mbc.bbb.org

BBB elects new chairperson and appoints new Board members

6/11/2012

Posted on 6/11/2012 by

The Better Business Bureau serving Mainland British Columbia (BBB) has elected Barry Sharp, President of AMA Management Ltd., as the new Chairperson for its Board of Directors.

The BBB also announced three new Directors, including Len De Wit, Crown Roofing & Drainage Commercial Division Ltd., Gary Hutton, Pacific Newspaper Group, and Mia Johnson, Kits Media Websites.

For long-term commitment to the BBB and continued support of its mission to be the leader in advancing marketplace trust, the BBB appointed Tom Siba, BIV Media Group as Governor of the BBB.

The election was voted on by existing BBB Accredited Businesses and made effective at the BBB Annual General Meeting on May 15, 2012.

BBB Board of Directors 2012-2013

Executive:

Chairperson: Barry Sharp, AMA Management Ltd.

Vice Chair: Bailey Jung, Silver Bullet Shredding

Treasurer: Ron Harvie, Vancouver Management Ltd.

Secretary: Lindsay Matthews, ICBC

Past Chairperson: Robert Vincent, Brighter Mechanical
President: Danielle Primrose, Better Business Bureau

Directors:

James Carter, Carter Chevrolet Northshore

Len De Wit, Crown Roofing & Drainage Commercial Division Ltd.

Gary Hutton, Pacific Newspaper Group

Mia Johnson, Kits Media Websites

Cori Maedel, The Jouta Performance Group

Mike Ng, Vancity Savings Credit Union

Mary O'Sullivan, Williams Moving & Storage (BC) Ltd.

Jim Scott, Vancouver Police Department

Andrew Turner, Telus

Governors:

David Crawford, Edgemont Moving & Storage Ltd.

Elaine Hay, Campbell Edgar Inc

John Friswell, CCI Renovations

Tom Siba, BIV Media Group
John Vickerstaff, Network Bonding & Insurance Services Inc.

Legal Counsel:

Doug Hopkins, Boughton Law Corporation

To download images of Barry Sharp, AMA Management Ltd. Click here

British Columbia BBB announces new president

6/4/2012

Posted on 6/4/2012 by

The Better Business Bureau (BBB) serving Mainland British Columbia today announced that Danielle Primrose has been hired as the new president and chief executive officer for the organization, effective immediately.

Primrose succeeds Lynda Pasacreta, who recently retired after 5 years as the head of the BBB office.

Danielle Primrose is a management professional with over 25 years of business leadership experience. Her extensive and progressive experience within the Retail Industry has provided Danielle with the skill, expertise and knowledge to serve the Better Business Bureau in fulfilling its mission to promote an ethical marketplace.

Primrose has held leadership roles in Regional and National capacities that include Sales and Marketing, Business Development, Customer Service, Operations, Brand Management and, most recently, Human Resources.

"The Better Business Bureau continues to provide trustworthy information to businesses and consumers," Primrose said. "While technology and the internet may have changed how we deliver the information, our focus will always be about providing objective, reliable information to the public and encourage self-regulation among the members of our business community."

Danielle intends to focus on continuing to build relationships with Accredited Businesses and encouraging consumers to become educated buyers throughout BBB's service area which includes, Lower Mainland and Fraser Valley, and the B.C. Interior and Yukon.

Spring forward with BBB Home Improvement tips

5/28/2012

Posted on 5/28/2012 by

During the warm weather, homeowners often make Spring the time to do some home improvement projects. Whether you are looking to redo your kitchen and bath, or replace your home's roof or build a deck, it is essential that you find a contractor that you can trust.

Last year, Better Business Bureau serving Mainland B.C. received 867 complaints against general contractors, and home improvement related companies. This past Spring BBB has received reports of contractors showing up in the Okanagan and across the Lower Mainland who intimidated homeowners ended up charging too much and doing too little.

“Watch out for red flags from those just looking to make a quick buck,” says Lynda Pasacreta, BBB President and CEO. “Be especially wary of doing business with a contractor who solicits business door-to-door. This could mean that the contractor is just passing through the area trying to scam innocent consumers.”

BBB advises consumers to use the following checklist when choosing a home contractor:

Don’t give into sales pressure. If a contractor shows up to your door offering services ask to take their business card or flyer. Do not let a person pressure you into signing up. Let them know you will contact them after consulting with your Spouse or partner.

Be picky and have lots of options. Seek at least three bids from prospective contractors based on the same specifications, materials and labour needed to complete the project. Homeowners should discuss bids in detail with each contractor and ask questions about variations in pricing. The lowest-priced contractor may not be the best.

Make sure they are insured. Consumers should ask whether the company is insured with WorkSafeBC against claims covering workers' compensation, property damage and personal liability in case of accidents. Consumers should obtain the name of the insurance carrier and call to verify coverage.

Get everything in writing. Read and understand the contract before signing. Get all verbal promises in writing. Include start and completion dates in the contract. Homeowners must hold back 10% of the contract price until 55 days after the general contract is substantially completed, abandoned, or otherwise ended to ensure that all subcontracted companies are paid. This way, if there are liens from workers who did not get paid from the original contractor, the holdback may be used to help pay these liens.

Do your homework. As always, you can visit BBB's website: www.mbc.bbb.org to look up an organization or file a complaint. You can also ask the contractor for local references, and get a chance to see the actual work done by the contractor. If the contractor does quality work, they should have no problem providing references.

Top 10 Summer job scam tip-offs

5/16/2012

Posted on 5/16/2012 by

Better Business Bureau is warning university and high school students looking for work this summer to be careful to avoid job scams.

“Students are in a unique position where they may not have a lot of work experience, and applying for a job which requires no work experience and a high salary often sounds very enticing,” says Lynda Pasacreta, outgoing President and CEO of Mainland B.C. “The reality is these are closer to pyramid schemes rather than legitimate work opportunities.”

Many Internet and newspaper ads have posting that claim: “summer job, make $300 a day!”; “last year our employees made $10,000 over the summer.”

Here are 10 tip-offs that the “employment opportunity” could be a scam:

1. Big bucks for simple tasks. Watch out if they promise to pay you a lot of money for jobs that don’t seem to require much effort or skill. If it sounds too good to be true; it might be a scam.

2. Job offers out of nowhere from strangers. If they offer you a job without getting an application from you first, meeting you, or doing an interview, it’s probably a scam. Don’t hand your personal employment information to such folk (especially your Social Insurance Number!). That could lead to identity theft.

3. Requests for up-front payments. If someone wants you to make an advance payment to “get in” on the ground floor of a new business opportunity - especially if it’s a big investment, or you don’t have much information about the deal - this is a big red flag. Don’t do it. “Advance fee scams” are very common and they come in many varieties.

4. They ask you to wire the money. If you wire a payment to somebody, it’s gone forever. Wire transfers of money are a convenient and perfectly legitimate service. But scam artists often ask you to wire payments that they are requesting (especially to destinations in other countries!) because they know you won’t be able to get your money back.

5. High pressure to do it now. Don’t be in a hurry to accept an unsolicited offer of work, or to make a business investment, particularly if the other party is asking you to spend your money on the deal. Take your time. If somebody tries to convince you that this is a “limited time” offer and you have to act now, just tell them to forget it. Ignore anybody who pushes you to agree. High pressure is a big sign that something’s wrong.

6. Refusal to give you full details in writing. Ask for complete information in writing. Request proof of any claims. Look carefully at any documentation they might provide to make sure it answers all your questions. If they won’t give details, or don’t respond to questions, don’t do business with them.

7. References are missing or a bit suspicious. A real business should be able to give you many professional references – not just a few. Be sure to ask for references and check them yourself. Don’t be swayed by a few written testimonials that sound fabulous. Even if the references seem good, don’t make your decision based on references alone. Do a careful background check. For starters: try a web search on the company name and see what comes up.

8. Contact information is missing or doesn’t make sense. Be very cautious if a company is trying to get you to accept a job or do business, but seems to lack any established physical location with a real street address. A cell phone number and website address are not enough contact information. If there’s no street address, look out! (P.O. boxes are not comforting – scammers often rent them, and move on quickly.) If there is an address, it’s worth taking a moment to check it on the Internet. It’s common for phony operations to claim they are at an address that is not their true location. Use an online tools like Google Street View which shows photos of address locations.

9. They want you to buy a bunch of expensive stuff. If they expect you to make a major purchase of equipment, software, inventory, or information in order to get started in business, be very careful. Often these are the most persuasive kinds of scams. It seems like it might be a real business opportunity – but it’s not. Here’s what happens: the buyer makes the purchase and never receives the things needed to set up the business. You can avoid this situation! Check the business out completely before you send a dime.

10. It’s got a bad rating with the BBB! Victims do complain to the BBB about work at home scams. It only takes minutes to check a company’s record with us at: www.mbc.bbb.org. Do the search. Or call the BBB if you want help figuring out whether you are looking at a scam. It could save you a fortune. If you’ve been victimized, file a complaint with BBB! Also, report the complaint to Canadian Anti-Fraud Centre at: www.antifraudcentre.ca

BBB Student Ethics Award Recipient Announced

5/14/2012

Posted on 5/14/2012 by

Better Business Bureau will recognize ethical businesses and a Surrey student from Tamanawis Secondary school on May 15 as part of their Annual General Meeting.

Grade 12 student, Sukhmeet Singh Sachal, was unanimously selected for Better Business Bureau Student Ethics Award scholarship (valued at $2,250) from the Better Business Bureau of Mainland BC (BBB). This province-wide contest is awarded to a young student with great dedication, leading with integrity, and an academic excellence.

“Sukhmeet showed true leadership and is wise beyond his years,” says Lynda Pasacreta, BBB President and CEO. “Not only did Sukhmeet meet our academic requirements, he also put in nearly 1,600 hours of his own personal time to take the lead in a wide range of activities that have positive local and even global impacts.”

A short-list of Sukhmeet Singh Sachal’s activities and accomplishments includes:

· President of the Students Without Borders, raising $5,000 to build a well in Kenya and distribute food to less fortunate.

· Grade representative of the Global Awareness Club which organized Earth Week recycling campaigns to promote sustainability.

· Member of the Empowerment Club, which organizes a talent show that focuses on domestic violence and raising money for www.kiva.org.

· Surrey Leadership Youth Council representative, organizing a “Youth Speak Up” conference on multiculturalism.

In his essay, Sukhmeet showed how he is concerned about domestic violence issues facing people within his culture. He responded to a situation when two students from his school were killed due to violence within their home and made a point to help organize an empowerment night to bring the issue to the forefront.

Sukhmeet Sachal will receive the Student Ethics Award at a special ceremony on May 15 at the BBB AGM. The BBB Annual General Meeting will be holding a fundraiser with BBB Accredited Businesses to raise money for next year’s Student Ethics Award.

Tamara Vrooman, CEO of Vancity, will be giving a special keynote address at the AGM. All media is welcome to attend.

How to spend wisely during your golden years

5/9/2012

Posted on 5/9/2012 by

After saving for a lifetime many consumers entering into retirement need a plan that exercises a balance between financial discipline and wise spending, according to the Better Business Bureau (BBB) of Mainland B.C.

"Now that the paycheques have stopped, consumers need to ask themselves how to keep the money pot going for the next 30 years," says soon-to-be retired BBB President and CEO, Lynda Pasacreta. "When we first hit retirement the first thought is to travel the world, but what comes next?"

New retirees have numerous options to consider when making the exciting lifestyle transition and the Better Business Bureau would like to offer advice on how to spend your nest egg responsibly:

Turn your retirement dreams into realistic plans. Look at creating a plan that takes into account everything from buying a second home, to making monetary gifts to grandchildren. Spend with the thought that you will have to make your money stretch for three more decades.

Start with a budget. Take into account basic monthly living expenses, and then look at other bigger costs like home repairs. If travel figures big on your itinerary, estimate how much you will spend annually on trips.

Look into personal health realistically. No one plans to get ill, but even healthy retirees should look into costs for assisted-living and long-term care facilities. Also consider health insurance which can provide coverage for long-term care.

Keep an eye on your money. Once you’ve started drawing on your retirement funds it’s very important to continue to monitor your investments. If you need help, look at hiring a financial planner. To search for a financial consultant go to www.mbc.bbb.org

Better Business Bureau of Mainland British Columbia president to retire this month

5/8/2012

Posted on 5/8/2012 by

Better Business Bureau of Mainland British Columbia president to retire this month

VANCOUVER – After serving the Better Business Bureau of Mainland British Columbia (BBB) for five years, Lynda Pasacreta will be retiring as President and Chief Executive Officer at the end of May 2012.

“I have worked for 45 years and my last five with the Better Business Bureau have been special for me because every day I see the passion and pride our employees display in the BBB’s mission to advance ethical behaviour in the marketplace,” said Lynda Pasacreta, outgoing President and CEO of BBB B.C. “I will be continuing life’s adventure with my family, but I strongly feel that the BBB is in a good position to remain relevant and vital to a healthy business environment.”

Lynda’s tenure with the BBB is highlighted by participation as a Canadian representative for the North American-wide BBB Council’s Bureau Operations Committee. Lynda also provided regular fraud prevention and business development presentations to the public and business community, including the annual Top Ten Scams press conference.

While balancing fiscal responsibility and BBB operational requirements, Lynda worked tirelessly to bring a positive and rewarding corporate culture to the BBB, with her efforts resulting in the BBB being recognized as the Best Place to Work for in BC – Non Profit Sector Award from B.C. Business Magazine in 2011. This past March, Better Business Bureau was also celebrated by the Province of British Columbia with a provincial proclamation of “BBB Week” from March 17 to 23 to celebrate its Centennial.

Danielle Primrose will be the new President and CEO of the Better Business Bureau of Mainland BC. She will formally assume her role on June 1, 2012.

The Better Business Bureau of Mainland B.C. will be honouring Lynda Pasacreta and welcoming Danielle Primrose at its Annual General Meeting on May 15, 2012 at the Hycroft Manor. The event is open to the public and will also feature a keynote address by Tamara Vrooman, Chief Executive Officer, Vancity. For more information visit: www.mbc.bbb.org/agm.

About BBB:
For 100 years, Better Business Bureau has been helping consumers find businesses, brands and charities they can trust. In 2011, consumers turned to BBB more than 100 million times for Business Reviews on more than 4 million companies and Charity Reports on 11,000 charities, all available for free at www.bbb.org. The Council of Better Business Bureaus is the umbrella organization for 116 local, independent BBBs across the United States and Canada, as well as home to its national programs on dispute resolution and industry self-regulation.

Press image of Lynda Pasacreta

Managing Debt in B.C.

5/4/2012

Posted on 5/4/2012 by

There are several ways to help reduce or manage your debt. The most common ways consumers approach managing their debt are: 1. Credit Counselling, 2. Debt Pooling, and 3. Debt Settlement.

1. Credit Counselling
Credit counselors may not accept your money to pay your creditors on your behalf. Their services are restricted to credit counseling and sometimes negotiations with your creditors. Credit counselling organizations do not require licensing in British Columbia.

2.Debt Pooling
Under the law in BC, a debt pooler is a person who accepts and distributes your money to your creditors in accordance with an agreed upon repayment program. This activity is what triggers the requirement to be licensed with Consumer Protection BC. The law seeks to safeguard consumer money through the use of trust accounts and the requirement of security.

Fees will vary but usually include some or all of the following;

a. onetime set-up or administration fee;
b. monthly fee that is a percentage of the amount paid to your creditors;
c. fee for each cheque sent to creditors on your behalf;
d. fee for a printed accounting of your debt management program.

To find out if a company is licensed or requires licensing, contact Consumer Protection BC at 1-888-564-9963 or www.consumerprotectionbc.ca.

3.Debt Settlement
Debt settlement companies offer to help reduce monthly payments and settle your debts, but often require an upfront fee.

It's important to understand the implications of debt settlement and the track record of the company before entering into any agreement to negotiate your debt. A proposal from a debt settlement company will not relieve you from your legal responsibilities of your debt. A bankruptcy trustee may make a formal proposal to your creditors under the Bankruptcy and Insolvency Act which protects you from further legal action from creditors.

Before agreeing to allow a third-party to negotiate your debt with creditors, BBB recommends consumers ask the following questions to ensure that they're dealing with the right company and getting the best guidance:

What is the company's performance in the marketplace?

Always check out the company with the BBB.org to find out their track record. Also ask the company about its own success rate.

How does the company and their representative get paid, and do they still get paid if they are unsuccessful at negotiating a debt settlement for you?

If company insists on payment upfront before reviewing your finances, or pays its representatives on commission, you may not be receiving the best advice on dealing with your debt. Keep in mind that debt negotiating companies cannot guarantee that creditors will accept their proposal to settle your debt for less than half of what you owe. If they are unsuccessful at negotiating on your behalf, find out if they will give you your money back.

Does the company make claims about the percentage of their clients that successfully settle their debts with creditors?

An ethical business will not make claims that cannot be substantiated. Privacy laws and confidentiality agreements will prevent a business from disclosing information about previous customers. If a company makes claims about the number of clients that they've successfully helped negotiate their debt, challenge the company to provide proof to validate their claims.

Is the company making guarantees that creditors will work with them in accepting a settlement?

While some companies may claim numerous success stories and assure you that creditors will work with them, there is no guarantee. If you are maintaining your payments, have a regular income or assets like real estate, your creditors may not accept a proposal to settle your debt. A good debt settlement company will tell you as much, and help you to evaluate all options to resolve your financial difficulties.

‘Weeding out’ shady contractors: BBB offers 10 tips on how to hire a landscaper

4/3/2012

Posted on 4/3/2012 by

Spring is here and homeowners planning to hire landscaper should be careful to weed out shady contractors, advises Better Business Bureau.

“Homeowners should want a landscaper who has a track record,” says Lynda Pasacreta, BBB President and CEO. “If you are shopping around for a landscaper make sure you are dealing with a company that is transparent about its contract and providing you services that you need.”

This past month, BBB received over 1600 lawn maintenance and landscaper inquiries. Last year, the BBB for Mainland BC received 59 complaints related to lawn maintenance and landscaping. Consumers reported having difficulty cancelling service contracts and that there are reports that after yearly contracts end, the contracts are automatically-renewed without the homeowner’s consent.

This year, consumers have reported harassing phone calls from businesses trying to renew lawn maintenance contracts.

BBB offers 10 tips on how to hire a landscaper:

Decide what landscaping you are looking for. Are you seeking a complete yard remodelling, a maintenance contract, or remedy of a problem?
Obtain at least three detailed written estimates of the work you want. Some agreements break down costs, but for most residential work it is common to indicate a lump sum, and then detail what's included in the cost. Additionally, if you have specific instructions on items NOT to be done, (for example, your prize rose bush is to be left alone) these instructions should be noted on the estimate or work order.
Allow the landscaper to make suggestions and recommendations for your specific landscape needs. If you see an example of the way you want the job to look like on completion, show it to the landscaper, and question its feasibility for your yard.
Ensure that the landscaper checks for specific health hazards and care of all the items in question.
Always obtain any expressed or implied warranty on the company's workmanship in writing.
Ask for references, and follow up on them. Many companies carry a portfolio of pictures and letters from customers. Try to ensure that the majority of the work is to be done at the same time, so that the age and condition of the yard are similar.
Check out the company’s BBB Business Review at www.mbc.bbb.org and also check to see if they are listed with the BC Landscape & Nursery Association (BCLNA) at www.bclna.com. If the company displays either a BBB or BCLNA logo in its marketing or advertising, verify it with each organization independently.
Specifically request any refund or repair information. Ask questions about whether the company automatically renews the contract each year.
It is a good idea to be on site when the actual landscaping takes place. Oversee the job, and keep in mind that if you become concerned that the job is not what you had originally contracted for, you have the right to tell them to stop whatever it is that they are doing.
If you a contractor provides services without your authorization and charges you for the work, you can contact Consumer Protection BC to file a complaint: www.consumerprotectionbc.ca

Avoid unhappy returns during tax season, advises BBB and CGA-Canada

3/28/2012

Posted on 3/28/2012 by

Tax season is upon us and consumers need to be careful when choosing a tax professional. Better Business Bureau (BBB) and the Certified General Accountants Association of Canada (CGA-Canada) have teamed up to help consumers avoid any unpleasant surprises during tax time.

“Consumers and businesses need to understand that they are ultimately responsible for everything on a tax return, regardless of who prepared it,” says BBB President and CEO, Lynda Pasacreta. “Nobody wants to have to deal with income tax return problems because of a mistake made by the preparer.”

During tax season the media are full of ads about tax preparers. CGA-Canada and BBB would like to caution against those preparers who make claims that are too good to be true.

“It is important to vet the credentials of your tax preparer and have confidence in the services he or she is providing,” says CGA-Canada President and CEO, Anthony Ariganello. “If consumers and businesses do their research before hiring a professional, they are more likely to feel secure with the outcome.”

BBB and CGA-Canada have some tips for selecting a reputable tax preparer and avoiding those who may be problematic:

Check on qualifications. Ask tax preparers about their training, experience and knowledge of current tax law and whether they are members of a professional association like the Certified General Accountants Association of Canada www.cga.org/canada. You can find a registered public practice firm in your jurisdiction using a search tool on your desktop or via your smartphone or tablet: www.needanaccountant.org.

Learn about their service terms in advance. Find out whether they guarantee the accuracy of their work and will amend the return if there’s a mistake. And find out if they can be reached year round. If there is an error or you are required to undergo an audit, you want to ensure you can rely on them once tax season is complete.

Ask for references. Get referrals from satisfied clients.

Check with BBB. Visit www.mbc.bbb.org to determine if the tax preparer has a reputation for reliability and trustworthiness.

Request a quote. Ask for an estimate of the preparation fee before authorizing the work.

BBB advises consumers to steer clear of tax preparers who sound too good to be true. Beware if they:

Boast they can obtain larger refunds than their competitors.
Pressure you to sign up for immediate payment of your refund. This involves a loan that typically carriers a high interest rate.
Base their fee on a percentage of the refund amount, rather than the complexity of the tax return, or
Don’t ask to review your records and receipts, or discuss whether you qualify for expenses and deductions.

Once your income tax return is prepared, make certain the preparer has signed it and get a copy and payment receipt for your records. Also review the return before signing it and ask for clarification of any entry you don’t understand.

Be on the watch for tax-related scams

Each year new scams surface online, promising tax refunds and other incentives to get you to part with your personal information. Be on the watch for the following scams:

Phishing scams. Never open or download attachments included with messages claiming to be from the Canada Revenue Agency. Typically, these messages advise the recipient that they have qualified for a tax refund and need to click on a link to enter their information. The link takes the person to a bogus website and requires the visitor to enter personal identification. CRA will not contact you via email.

Identity theft. If you’re doing your taxes on your own online, don’t use a public wireless connection because even with encryption your information may be available to those on the network.

Malware. Refrain from opening any unsolicited tax-related email message, as some messages can install spyware or malware without your knowledge.

ABOUT BBB
For 100 years, Better Business Bureau has been helping consumers find businesses, brands and charities they can trust. BBB has Business Reviews on more than 4 million companies and Charity Reviews on 11,000 charities, all available for free. Better Business Bureau serving Mainland BC has over 3,400 Accredited Businesses who have committed to the BBB Standards of Trust.

Visit us online: www.mbc.bbb.org
Find us on Facebook: www.facebook.com/BBBmainlandBC
Follow us on Twitter: www.twitter.com/BBB_BC

ABOUT CGA-CANADA

Founded in 1908, the Certified General Accountants Association of Canada serves 75,000 Certified General Accountants and students in Canada and more than 90 countries. Respected accounting and financial management professionals, CGAs work in industry, finance, government and public practice. CGA-Canada establishes the designation’s certification requirements and professional standards, offers professional development, conducts research and advocacy, and represents CGAs nationally and internationally.

Visit us online: www.cga.org/canada
Find us on Facebook: www.facebook.com/cgacanada
Follow us on Twitter: www.twitter.com/cgacanada

Get savvy with your smart phone and avoid fraud

3/21/2012

Posted on 3/21/2012 by

Get savvy with your smart phone and avoid fraud

VICTORIA – The rise in popularity of smart phones with social media applications can put consumers at risk of fraud.

The Province, Consumer Protection BC, and the Better Business Bureau are teaming up during Fraud Prevention Month to provide tips to help British Columbians get smart about their smart phone usage.

According to a recent study by Javelin Research and Strategy, 32% of all smart phone users don’t have the most current version of their operating system, 62% don’t use a password to protect their home screens and 32% save login information on their phones.

Here is a typical user scenario: Samantha carries her smart phone with her everywhere. She runs all of her favourite social networks from her phone and it’s loaded up with all of the latest apps, including one app that allows her to do all of her banking on the go. Samantha also keeps all of her personal information on her smart phone so that it is handy – phone numbers, addresses, birthdates and even passwords. One day Samantha leaves her phone on the bus. Not only is Samantha’s personal information now available to any stranger who picks up her phone, she is now a potential victim of fraud and identify theft.

Here are some tips to protect you and your family and become smart phone savvy:

· Get the latest operating system for your phone so your security is up-to-date.

· Add a password to your phone for access, so if it is lost a person does not have access to your phone and your personal identifiers.

· Password-protect everything, preferably with unique passwords for each social media service.

· Look for ‘remote wiping’ programs in the user manual for your smart phone so in case of loss you can remove and destroy all data from your phone from a remote location.

· Check applications for geo-tagging that allows you to “tag” a photo or video with their current location. You can turn this “tagging” option off in applications if you feel uncomfortable broadcasting your location publically.

· Don’t do your banking over public Wi-Fi networks to avoid risk of financial loss.

· Be sure all the apps you download come from legitimate vendors. Check user reviews and learn about what the application needs to access on your smart phone. For example: If a wallpaper need access to your contact list, there probably is a virus attached to the application.

· Start with Trust when dealing with businesses and companies you’ve never heard of by researching them at www.mbc.bbb.org.

· To stay informed about possible scams and to warn others:

o Visit Consumer Protection BC on Facebook at: www.facebook.com/ConsumerProtectionBC

o Report any fraudulent activity to the Canadian Anti-Fraud Centre by calling 1 888 495-8501.

Province of BC proclaims BBB Week from March 17 to 23

3/12/2012

Posted on 3/12/2012 by

British Columbia’s marketplace is being spotlighted province wide from March 17 to 23, as the Better Business Bureau (BBB) celebrates BBB Week in acknowledgement of the international Centennial of the organization, announced Pat Bell, Minister of Jobs, Tourism and Innovation.

“I would like to recognize the work the Better Business Bureau does to promote trust and integrity in the marketplace,” said Bell. “It greatly contributes to a healthy business environment in B.C., encouraging investment and job creation.”

Better Business Bureau Week recognizes the relationship between the business community and consumers across British Columbia and shows how the Better Business Bureau has provided free, accessible information to the public, reporting on business practice and tackling misleading advertising in the marketplace.

“We are an organization that has its humble beginnings with the business community getting together back in 1939 and deciding that British Columbia needs a Better Business Bureau to be a watchdog over the marketplace,” said Lynda Pasacreta, BBB President and CEO of Mainland B.C. “Our dispute resolution programs and reporting services help people and communities equip themselves with the tools they need to work with businesses and make educated buying decisions.”

Internationally, the Better Business Bureau was founded in 1912 in St. Paul, Minnesota. The BBB encourages business self-regulation and provides a dispute resolution process and business reporting standards that are all commonly followed by BBBs across North America.

Founded in 1939, Better Business Bureau of Mainland BC is a registered non-profit organization that is completely funded by its 3,400 member businesses, who have agreed to follow BBB Standards of Trust and are given Accreditation and a letter-grade rating based on their ability to meet BBB the guidelines.

Last year, the Better Business Bureau serving Mainland BC had over 1.3 million consumers inquire about businesses, and over 10,000 complaints filed against local businesses.

To start off BBB Week, the BBB Centennial Celebration and Exhibition tradeshow will be held on Saturday, March 17, 2012 from 11 A.M. - 3 P.M. at the Heritage Hall 3102 Main Street, Vancouver. This is a free public event that includes a home show and tips for consumers looking for to avoid scams and frauds and meet local Accredited Businesses.

For more information about BBB Centennial activities, visit: www.smartshoppersbc.org

Thanks to our partners:

BBB Consumer Guide 2010 is out this week

3/5/2012

Posted on 3/5/2012 by

Next time you shop, start with trust. The Better Business Bureau is pleased to announce the release of the BBB Consumer Guide 2012.

This month BBB Consumer Guides will be distributed to over 400,000 households, businesses, and high traffic areas across the Lower Mainland, from Squamish to Abbotsford. This annual directory is packed with contact information about our 3,400 plus trusted BBB Accredited Businesses.

This year we encourage rewarding good businesses even more with our Torch Awards (Fall 2010). Consumers can now fill a form in the latest Guide to nominate a BBB Accredited Business for an award.

Look for the Guide being delivered with your community newspaper soon. If you don’t find one at your door, copies are available at Community Centres throughout the British Columbia or you can receive them by sending a 10” x 13” self addressed, postage paid envelope, to the BBB office in Vancouver.

The Guide will be available electronically, here:

For more information about the BBB Consumer Guide, go to www.mbc.bbb.org.

BBB advise parents to be cautious when choosing child care during BC teacher’s strike

3/1/2012

Posted on 3/1/2012 by

The pending job action by BC teachers has parents across British Columbia suddenly looking for child care. The Better Business Bureau (BBB) advises parents to take plenty of time to find safe, reliable child care that suits their child and schedule and be extremely cautious when turning to online listings for short notice care.

“While there is a time crunch to have child care in place, parents need to ensure that their children are safe and secure,” said Lynda Pasacreta, BBB president and CEO.

The BBB expects that online classifieds will be flooded with parents looking for emergency child care. However, the BBB cautions against making hasty decisions.

“The risk of going online is that you could be contacting a person who has not been vetted as a responsible and competent professional and they may not be right for your child.” says Pasacreta. “In some cases the person with the ad may even be a scammer out to collect a deposit from parents under pressure,”

The BBB has the following tips for parents seeking quality child care:

• If this is a short term child care, look at child care professionals including nanny services which can be found on the BBB website: www.mbc.bbb.org.
• Recommendations from family or friends can be helpful, and government agencies or industry organizations also can be a source of information. The B.C. Child Care Resource and Referral Program (www.childcarechoices.ca) helps parents find child care and provides information on child care subsidies. However, it is ultimately up to parents to find care that is appropriate for their children.
• To access further information on child care programs contact the B.C. Ministry of Children and Family Development Child Care Help Line in Greater Victoria at (250) 356-6501 or elsewhere in BC toll-free at 1 (888) 338-6622.
• If you are checking an online classified like Craigslist ask questions about how long the person has provided child care; ask if they are licensed; find out where the facility/home is located (this way you can cross reference the name and address with the phone listing); and remember to never wire or send a certified cheque or money order for a deposit.

Before committing to a child care provider, do the following:

• Visit several facilities or caregivers, and find out how staff are selected and what their credentials are. What is the staff-to-child ratio? How are children grouped (ie. by age or stage of development)?
• Ask whether the facility is and whether it carries appropriate liability insurance.
• Ask about safety procedures and how an accident might be handled.
• Make sure the centre or day care home is clean, with enough space for children to play and adequate safety equipment.
• Call at least three parents whose children are enrolled with the provider to discuss their experiences.

BBB Warns of a False Promise of Inheritance

2/28/2012

Posted on 2/28/2012 by

You’ve just been notified a long-lost relative you have never heard of has died, and that you are the only heir. Better Business Bureau urges consumers to do their due diligence if they find themselves a recipient of this type of claim.

Originally called the Nigerian letter scams, these "fund transfer" frauds reach intended victims by fax, letter or email. The sender, who claims to be a government official or member of a royal family, requests assistance in transferring millions of dollars of excess money out of a foreign country and promises to pay the person for his or her help. The message is always of an urgent, private nature.

“Consumers need to understand that they are not the ‘sole beneficiary,’ as the letter states,” says Lynda Pasacreta, Better Business Bureau President and CEO. “These are mass marketed letters that go out to the public in the thousands hoping that someone will have a similar last name or some little connection that will convince them to contact the scammer back.”

The Canadian Anti-Fraud Centre reports that in 2011, there were almost 30,000 victims and more than $61 million lost due to mass-marketing fraud and identity fraud or theft in Canada.

Those who are victims to this scam are asked to provide their bank account number (for "safekeeping" the funds) and Social Insurance number, birth date, or other personal information. Or they are asked to send money to the letter sender for taxes and various fees. Victims never see their money again, and the con artist obtains the ability to empty their bank account and/or steal their identity.

Variations of this con are attracting the attention of a new batch of victims. BBB advises people to be aware and not respond to the following solicitations:

1. Beneficiary of a will: An email claims that you are the named beneficiary in a will, to inherit an estate worth a million or more. Your personal financial information is needed to "prove" that you are the beneficiary and to speed the transfer of your inheritance.

2. Bogus cashier checks: People who have advertised an item for sale on the Internet are contacted by an interested buyer from Africa or another country, who sends a counterfeit cashier check or international money order for an amount much larger than the asking price. His explanation varies as to why the amount is that large. Nonetheless, the seller is asked to deposit the check into their banking account, and wire the difference to the purchaser. Those victims that do not wait for the bank to verify the legitimacy of the check, and wire the money as requested, can end up losing thousands of dollars. Be aware that it can take a week or more for banks to receive word that a check is fake.

3. Donation solicitations: Some emails request "donations" to fight an evil government or dictatorship in Africa. The sender requests the recipient's bank account in order to withdraw the donation directly from the bank and obtain immediate access to the "much-needed" contribution.

4. Fake web sites: The scam artist sets up a fake online bank and "deposits" the millions of dollars referenced in his pitch. When the victim starts expressing doubt about the existence or size of the fund transfer that is to take place, he is directed to the site, which shows a multi-million dollar deposit.

Consumers can take steps to protect themselves against the Nigerian letter scam and its variations.

1. If you receive a letter from Nigeria, or any other country, asking you to send personal or banking information, do not reply! The BBB suggests you immediately delete or throw away any such correspondence.

2. If you have already responded to such a plea, or if you know someone who is corresponding in this scheme, contact Canadian Anti-Fraud Centre at 1-888-495-8501.

3. Ignore individuals representing themselves as foreign government officials asking for your help in placing large sums of money in overseas bank accounts.

4. Be leery when strangers are eager to place unexpected, large amounts of money at your disposal, in exchange for your bank account number or other personal or financial information.

5. Cashier checks and money orders can be counterfeit. When s stranger sends a check or money offer to purchase a product or service form you, consult with your bank about the time it will take to verify the check, and wait for the funds to clear.

Click here are some examples of inheritance scan letters.

Choosing a Private Post-Secondary Institution

2/24/2012

Posted on 2/24/2012 by

Private Post-Secondary Education is training or instruction for people 17 years of age and over. It covers a wide range of employment training in secretarial, computer and business, income tax preparation, hair styling, the arts (animation, film making), medical support services careers, modelling, truck driving, and academic upgrading to name just a few. Courses are taught in theory and practice, in classrooms, on site, through work experience, by correspondence or by any combination. Institutions may be privately owned and operated as a business, or operated as a not for profit society.

Private career training institutions in British Columbia are governed by the Private Career Training Institutions Agency Act and are required to be registered with the Private Career Training Institutions Agency of B.C. at telephone number 604-569-0033, website http://pctia.bc.ca, or email info@pctia.bc.ca.

Private career training institutions also have the option of becoming accredited by the Agency. Through accreditation, registered institutions and their programs will be evaluated and on their ability to provide and maintain program quality.

HOW TO CHOOSE THE RIGHT INSTITUTION FOR YOU:

As a potential consumer, it is your responsibility to make sure that the course or program is right for you.

Spend as much time, care and consideration choosing the institution as you would choosing a career. The following suggestions may help you spend your time and money wisely and ensure that you will receive the training or instruction you will need to find a job in that field when you graduate.

Check out future job markets in your field of interest and contact potential employers - ask what training they require.

Look in the yellow pages of local phone books under `school', and the specific category, such as `business and secretarial'.

Seriously investigate and compare all institutions which offer the training or instruction that interests you. Consider making appointments and visiting these schools.

PCTIA has a search tool to find an institution or program in your local area or interested field of study. Included in this tool is information about a school's history, incuding suspensions or cancellations.Go to the PCTIA search tool:
http://www.pctia.bc.ca/listings

PCTIA has a guide to choosing a school which can be foud on their website at: http://www.pctia.bc.ca/students/how-to-choose-a-school

For more information about Being an Informed Student visit the Minstry of Advanced Education website:
http://www.aved.gov.bc.ca/informedstudent/welcome.htm

VISITING INSTITUTIONS:

At the time of your visit, check for a valid PCTIA registration certificate or accreditation certificate if the institute claims to be accredited. Do not enroll at any private career training institution not registered by the Private Career Training Institutions Agency of B.C. During your visit check the following:

ADMISSION:

What are the prerequisites - high school diploma? certain skills? abilities? licenses? record checks? Is there an admissions test? A personal interview? How are these scored?

TRAINING OR INSTRUCTION:

How long does it take to complete the program? What skills will be taught? How much training or instruction is classroom lecture, how much is practical experience? Is there an opportunity to get work experience?

FACILITIES AND EQUIPMENT:

With permission, tour the institution - how many students are there in a class? What is the student/teacher ratio? Are classrooms crowded? What equipment is used? Is it similar to what is used currently by the industry? Is the equipment shared?

INSTITUTION RULES:

What are the institution's rules for behavior? Is smoking allowed? Is there a dress code? Are there attendance rules? Do students have to maintain a minimum grade? What is the institution's mechanism for student appeals?

COST:

Do some comparison shopping - institutions usually charge similar tuition for similar training. If the cost is substantially higher at one institution, ask why. There may be a good reason.

Are tools and books on loan or do you have to buy them? If you fail a subject, can you repeat it without paying again? Does the institution provide tutors and is there a charge for tutoring? What is included in the tuition and what are the extra costs? What is the institution' refund policy?

Make a checklist for easy camparison: books, materials/kits, lab fees, uniforms, and other fees. Please note, the Private Career Training Institutions Agency does not control or regulate tuition fees charged by individual schools.

INSTRUCTOR QUALIFICATIONS:

What is the minimum level of education or training of the instructors? How much practical experience have they had in their field? Are they properly licensed in the field of training they are teaching?

JOB PLACEMENT ASSISTANCE:

Is job placement assistance available? What does the placement service include? Are job search techniques taught? Are interview referrals made?

JOB OPPORTUNITIES:

What kind of job can you expect to get once you finish training? In what position? At what salary level? Ask the school for a list of companies that have hired recent graduates. How many students graduate? How many get jobs? How are these numbers arrived at? Is part time counted? Are only training related jobs counted in these numbers?

MAKING A CHOICE:

Institutions offer many types of courses and programs in various academic and occupational areas. These may vary widely in terms of subject matter, course content, curricula, length and cost. Review the course outline to see if it will provide you with what you need.

When you have made your choice, call the Better Business Bureau and ask if they have any information on the institution.

THE DOTTED LINE:

Once you have been accepted by the institution, you must be asked to sign an enrollment contract which should contain, among other details, the following items:

1) name and address of the institution and the name of the course or program

2) start and end date of the course and the duration and cost of the course

3) date the contract is entered into, the name, mailing address and signature of the student or guardian and the signature of an institution official

4) costs for the course and a payment schedule if you are paying by installments

It must also state that the institution operates in conformity with the Private Career Training Institutions Agency Education Act, the Private Career Training Institutions Agency Regulations and Bylaws of the Agency.

It may also contain the rules and regulations for the institution. Carefully review them and make sure that you can abide by them before you sign the contract.

Once you have signed the contract, the institution should give you a copy. Please keep it in a safe place.

BBB Offers Bridal Fair Do's and Don'ts

2/14/2012

Posted on 2/14/2012 by

Valentine’s Day – the most romantic of days for engagements! – is just around the corner as are bridal fairs and expos designed to help future brides and bridegrooms plan for their big days.

“Love is definitely in the air but so is the start of a busy wedding planning season,” says Lynda Pasacreta, BBB president and CEO. “If you are planning to attend a wedding show, make sure you are organized in advance.”

If you plan to attend a bridal show, your Better Business Bureau offers these helpful tips:

• Consider creating a new email to keep track of all of the special offers and electronic newsletters you’re likely to receive as a result of registering for and attending a bridal fair. A separate email account also helps reduce high volumes of email in your personal inbox.

• Take a notebook or pad and pen to jot down information on something you see that you hadn’t thought of or the name of the designer of a wedding gown you see during the fashion show. A camera can be helpful, too.

• Before falling in love with a vendor and their services, ask if the company is available for your wedding date. Also ask whether the special packages and pricing being offered at the bridal event are available after the show as well. Be careful of high-pressure sales tactics to make you commit to a product or service on the spot.

• Bring someone you trust who is not as emotionally and financially connected to the wedding planning as you. This individual may provide a different, yet helpful, perspective when talking with vendors and visiting booths.

• Research the vendor before signing a contract. The goal of a bridal expo vendor is to make connections, get exposure and attract the right brides for their services. However, future brides and bridegrooms should take the time to check out wedding vendors’ reputations in the industry and can start by reading the vendor’s BBB Business Review at mbc.bbb.org.

• Because you can dispute the charges, credit cards offer consumers added protection in the event of a problem. Cheques and cash don’t offer this protection.

BBB Tips to Avoid Valentine’s Day Heartache

2/8/2012

Posted on 2/8/2012 by

Valentine’s Day is a day filled with emotion, but it’s also an opportune time for scam artists to take advantage of those looking for love and steal their hearts—and their money.

“Before you spend you paycheque in the name of love and romance, do your homework to avoid being scammed” says Lynda Pasacreta, President and CEO of Better Business Bureau serving Mainland B.C.

For those who are searching for love or are already in a relationship, the Better Business Bureau warns people to watch out for these scams:

Romance Scams online

Millions of Canadians are using online dating sites to look for that perfect match. But scammers also use these sites, looking for their own match perfect victim. They target singles of any age and in any location, creating fake profiles designed to convince their victim to send them money in the name of love. Others are even more bold, arranging to meet single women in person before stealing their valuables at the first opportunity.

Tip: Don’t fall for a person who claims to be in love with you at first sight. Scammers usually use emotional ties to increase the chances of getting your money. If your match asks you to pay for the travel expenses, there is a high probability that it is a scam.

E-Cards and Social Media Scams

Phishing scams that target people waiting for notes of love are all too common. One common Valentine’s Day scam comes in the form of an email, which directs the recipient to a fake website that looks like a popular greeting card website, like Hallmark. The site prompts the recipient of the card to download the latest version of Flash Player in order to view the card. Once the user clicks the link, a virus is automatically downloaded and invades their computer, exposing the person and their email contact book to potential identity theft and financial loss. Other phishing scams are on social media sites. A popular Facebook scam posted on a user’s wall offers to add a Valentine’s Day theme to their profile. Users who install the application are and actually installing a malware virus. On Twitter, users are seeing links to supposed online dating sites which are really a play to get users to put in their information leading to ID theft and financial loss.

Tip: Make sure you only open emails, attachments, and links from people you know. Enhance your email filters to block any such threats. Watch out for unsolicited emails with subject lines like “Someone just sent you an e-card” or “Send your loved one a Valentine's Day card today”.

Online Florists

Flowers can say “I love you”, and a florist is just a phone call or click away. But not all florists are created equal. One Ontario-based online florist, Bloomex Inc., has received 273 complaints from the BBB in the last three years (57 complaints from B.C. consumers) and has an F-rating. Complaints that allege that either the flowers were not delivered as promised (wrong flowers or arrangements) or not delivered at all. Some consumers claim that the charges to their credit card were not as agreed upon. A number of complaints also expressed concern with a $10 processing fee that was charged after canceling the transaction when the flowers did not arrive on the date promised.

Tip: Consumers should make sure to read the terms and conditions before making any online purchase, and check out the company’s BBB rating at www.mbc.bbb.org. Consider shopping locally with a business you know rather than one you found online.

BBB Student Ethics Award targets Youtube generation to celebrate ethics

1/27/2012

Posted on 1/27/2012 by

Better Business Bureau (BBB) celebrates its Centenary in 2012, and wants to give B.C. high school students the opportunity to showcase their ethics for a chance at the prestigious Student Ethics Award scholarship. This year, BBB asks students to discuss “Everyday Ethics” online by posting short videos on Youtube.com

“Students are increasingly engaged in social media and we think this will be a great platform for students to be creative and find ways to talk about the importance of ethics,” says Lynda Pasacreta, President and CEO for the Better Business Bureau serving Mainland B.C. “2012 is the year of our BBB Centennial and the Student Ethics Award is a great way to engage youth into being leaders and champions of ethics.”

The BBB Student Ethics Award program recognizes high school students who personify high ethics demonstrated through leadership, community service, and overall personal integrity and academic history.

One student will be selected by a panel of judges to receive an award of $2,250 to an accredited college or university of his or her choice. The award will be presented to the recipient students in May 2012 at the BBB’s Annual General Meeting.

To enter, students must be in grade 11 or 12 and be residents and attend schools in British Columbia within the region served by the BBB of Mainland B.C. Applicants must plan to attend an accredited college or university in the United States or Canada.

“We think of this generation of high school students as the ‘Youtube Generation,’ because they love to go online and share their opinions,” says Pasacreta. “Ethics, leadership, and community involvement are all things that should be highlighted by youth, and we think taking our awards into the social media world opens up the discussion.”

Deadline for the Student Ethics Award is Monday, March 5, 2012. For more guidelines about the award, visit: http://mbc.bbb.org/studentethicsaward/

BBB wishes you a prosperous Happy Year of the Dragon!

1/23/2012

Posted on 1/23/2012 by
Your Better Business Bureau would like to wish all Chinese-Canadians a prosperous Year of the Dragon.

Join BBB at one of Vancouver’s most central, most festive and most memorable Chinese New Year festivals this January as we welcome in the Year of the Dragon!

Year of the Dragon Celebration at International Village

When:
January 27, 2012 12:00pm – 10:00pm
January 28, 2012 12:00pm – 10:00pm
January 29, 2012 12:00pm – 7:00pm

Where:
International Village
88 West Pender Street, Vancouver, BC

The International Village is conveniently close to the Rogers Arena. Just get off at Stadium/Chinatown skytrain station and follow the signs.

More info at: Year of the Dragon Celebration at International Village website

BBB warns coin sellers to exercise caution

1/18/2012

Posted on 1/18/2012 by

Many consumers probably have coins, antiques, or jewellery collecting dust in the attic. Better Business Bureau (BBB) would like to warn consumers who are looking to cash in their old items to be wary of travelling antique shows.

Travelling antique shows have recently come to British Columbia and the BBB would like consumers to do their homework before they sell their treasured collectibles at these limited time public events.

“We know that these types of antique roadshows show up for a week and are heavily marketed,” says Lynda Pasacreta, President and CEO for the Better Business Bureau serving Mainland B.C. “Consumers tend to get excited that our old junk will magically turn out to be worth a fortune. While some consumers may be sitting on a gold mine, going to these roadshows may not lead to a consumer getting fair value for their items.”

In the past, BBB has received complaints from consumers who received cheques from travelling roadshows that bounced, and other complaints that the collectibles they sold were bought well below market value. Some travelling antique shows have names that sounds similar to popular television programs which also can cause consumer confusion.

BBB offers the following tips to consumers looking to sell coins or antiques as investments:

Compare Prices Carefully. When you compare prices, make sure you are comparing identical items. A vintage $5 gold coin, for instance, is usually worth more than a newer $5 gold coin. The value of coins minted the same year likely will vary depending on the condition. Go to an antique mall or search on eBay to get an estimate of your collectibles’ value.

Do not make an immediate decision. Consumers that are not as knowledgeable about antiques should not give in too easily or be afraid to counter-offer an asking price. Even if the offer is time-sensitive, do not be afraid to walk away.

Research businesses in advance. Before buying anything, make sure you know the name of the company, its address and, preferably, the company’s top officials.

Always check out a company at the BBB’s website: www.mbc.bbb.org.

Better Business Bureau announces Top Ten Scams for 2012

1/3/2012

Posted on 1/3/2012 by

VANCOUVER— This year’s Top Ten Scams list focuses on how scammers can use misrepresentation to gain consumers’ trust.

“We are seeing trends towards spoofing well-known brands and ‘scams of the moment’ which capture people’s attention because the topic is in the public consciousness,” says Lynda Pasacreta, BBB President and CEO. “Scammers are capitalizing by using false pretences to get our attention and steal our trust.”

The following Top Ten Scams list, themed “Pay Attention to the Message,” is developed jointly by BBB, Consumer Protection BC, and BC Crime Prevention Association. In no specific order, here are the Top Ten Scams to be on the lookout for in 2012.

1. Brand Spoofing

Brand spoofing (aka phishing) is a general term for e-mail, text messages and websites fabricated and sent by criminals and designed to look like they come from well-known and trusted businesses, financial institutions and government agencies in an attempt to collect personal, financial and sensitive information. If the recipient follows the link provided and connects with the fraudulent website, any information entered into the data fields (account #, PIN, contact information, social insurance number etc.) could be recorded, collected and used for fraudulent purposes. Additionally, some variants of phishing scams make use of Trojan horses to infect recipient computers with malware.

QUICK TIP: If you receive these messages just delete them and do not click on any links, and hang up on callers you aren’t familiar with. Never give credit information online or over the phone unless you are sure of the identity of the caller. If you are a victim of ID theft, call your financial institutions to have them cancel your cards and re-issue new ones. Contact your local police and Canada’s main credit reporting agencies: TransUnion Canada at tuc.ca (1-800-663-9980) and Equifax Canada at equifax.ca (1-800-465-7166).

2. Advance Fee Loans

Consumers have reported losing substantial sums of money responding to advertisements that “guarantee” loans to people, often online. Consumers complete credit applications and are told the loan (from $5,000 to $100,000) has been approved and the promised funds will be received once a fee is paid. After payment, the loan is never received as promised.

QUICK TIP: It is illegal for a company to charge a fee in advance to obtain a loan, even if that fee is disguised as the first or last month’s payment. Watch for claims of “guaranteed” loans even if you have bad credit, no credit, or a bankruptcy, and demands that you wire or send money before you can have a loan offer confirmed in writing. Report any suspected fraudulent schemes to your local police and the Canadian Anti-Fraud Centre (CAFC) at 1 (888) 495-8501 or antifraudcentre-centreantifraude.ca

3. Gold Buying Schemes

When the BBB was created in 1912, the average price of gold was $18.93 per ounce (and it had been so for about 100 years before). In 2011, the price of gold soared, rapidly fluctuating and averaging over $1735 per ounce. Similar to gold rushes of the past, a strained economy and high demand for gold resulted in many consumers selling, trading and receiving unfair returns when cashing in their gold and jewellery.

QUICK TIP: Before cashing in on the gold rush it is important to do your research. When choosing an appraiser, find someone locally whom you know and trust. Know that the true price of gold may not be what you will be paid for every ounce of gold you own. Get multiple appraisals and compare prices before selling. Be sure that jewellery of differing karats is weighed and priced separately. Have jewels such as diamonds priced separately from the gold they are contained in.

4. Financial Elder Abuse

Financial elder abuse occurs when seniors’ pocketbooks are exploited by scammers who take advantage of a person’s vulnerabilities associated with age - like hearing loss, loneliness, physical limitations and impaired mental capacity. Common financial elder abuse frauds include tricking seniors into giving out private banking information; encouraging unnecessary home repair work, telemarketing and mail fraud; and swindles by family or friends that result in seniors giving up money, property, personal information and decision making capacity.

QUICK TIP: Most elder abuse happens to a senior by someone they know, such as a family member, friend or caregiver. Many victims do not even realize they have been taken advantage of. Signs a senior is being financially abused include: missing belongings, unusual activity in bank accounts, suspicious stories, sudden changes in Power of Attorney or Wills, bounced cheques and numerous unpaid bills. Report all incidents of financial elder abuse to your local police.

5. Power Saving Claims

The switch to Smart Meters in B.C. fostered a rise in false claims and deceptive ads by some scammers selling energy conservation devices. Consumers reported purchasing a number of power saving devices they claim did not work and that did not meet electrical safety standards.

QUICK TIP: BBB was created 100 years ago to put a stop to unethical, deceptive claims and advertising. The BBB Ad Review program seeks to help consumers and businesses identify untrue, deceptive, fraudulent and insincere statements. Protect yourself from deceptive advertising by doing your research before making a purchase. Always check out a company’s BBB Business Review (bbb.org) first and report deceptive advertising and business claims to your local BBB. If it sounds too good to be true, remember that it probably is.

6. Door-to-Door Sales

Each year a variety of unscrupulous door-to-door salespeople use high pressure sales tactics to frighten people into purchasing expensive, substandard - often unneeded products and services. Be wary of overly aggressive sales people selling everything from alarm systems to vacuums and air purifiers, as well as roofing, paving, window washing, painting, plumbing, heating, repair and landscaping services.

QUICK TIP: Don’t give in to high pressure sales tactics. If you feel threatened by an aggressive salesperson, ask them to leave your property. If they refuse, call the police. Before making any purchase, take the time to do your due diligence, getting the name and location of the company and ensuring all details and verbal promises are included in a contract. Door-to-door contracts are regulated by Consumer Protection BC. Complaints or questions? 1 (888) 564-9963 or www.consumerprotectionbc.ca

7. Virus Fixing Scheme

In the case of the alleged caller from Microsoft, he/she claim to be phoning about a serious problem with the person’s computer. The caller warns that if the problem is not solved, the computer will become unusable. In order to “fix” it, the computer owner is directed to a website and told to download a program, plus pay a fee for a subscription to this preventative service. The catch: there was never anything wrong with the computer, the caller is not working for Microsoft, and the owner has downloaded to their computer damaging malware and spyware.

QUICK TIP: Treat all unsolicited phone calls with skepticism. Check with the organization directly that the caller is claiming to be from, using the contact numbers found on their website. Do not provide any personal information to avoid identity theft. Never provide credit or debit card information for payment. Report any fraudulent activity to the Canadian Anti-Fraud Centre at 1 (888) 495-8501 or www.antifraudcentre.ca.

8. Fraudulent Locksmiths

Consumers reported “local locksmiths” advertising online using a local telephone number and local address, but when contacted, consumers are connected to a call centre in another city and there is no locksmith at the address listed in your area. Consumers who have hired these companies allege that they have been overcharged for products and services, received bad advice or poor workmanship, or have had difficulty contacting the business to correct problems.

QUICK TIP: Don’t just pick the first “local” company you find online. Confirm the company address and ask for the legal name of the business. When the locksmith arrives, ask for identification, a business card and their license. In BC, locksmiths are licensed through the Ministry of Public Safety & Solicitor General. Also make sure that they are insured, so you know costs will be covered should any damage be done to your personal property. Expect a legitimate locksmith to ask you for identification to confirm your identity as the homeowner. Check out their BBB Business Review (bbb.org).

9. Penny Auctions

Online ads, often designed to look like news reports, are cropping up on popular websites claiming that you can get great deals on iPads and other electronics with online penny auctions. Most commonly with a penny auction, users must set up an account and purchase bids with a credit or debit card; each individual bid may cost less than a dollar and are often sold in bundles of 100 or more. Every item has a countdown clock and as people bid, the cost of the item goes up incrementally and more time is added to the clock. Even if you don’t win the item, you still have to pay for the bids you placed which can add up over time.

QUICK TIP: Before providing any personal information or signing up for any “free” trial with a penny auction, read all of the fine print carefully on the website. Pay close attention to details on signup and annual fees, minimum bidding requirements, maximum prize amounts and how to get a refund. Know what you’re buying. Before bidding on an item, research how much it costs elsewhere and keep track of how much you’re spending on bids overall to see if you really are getting a good deal. Keep a close eye on your credit card for unexpected charges.

10. Anti-Social Network

Social networks like Facebook and Twitter are becoming more and more popular. Users are often subject to targeted advertising and direct messages, and scams of all colours use social networks to operate. Fraudulent work-at-home job offers are sent through Twitter “tweets” and Facebook messages, deceptive “free” trials are advertised, and “clickjacking” on Facebook convinces users to unknowingly post malicious links on their status updates.

QUICK TIP: Your computer should always have the most recent updates installed for spam filters, anti-virus and anti-spyware software, and a secure firewall. Use the most up-to-date versions of your web browser to offer further protection. Be wary of messages from friends and especially strangers that direct you to another website via a hyperlink. To learn more about how to protect yourself from false or misleading advertising, contact the Competition Bureau at competitionbureau.gc.ca or 1 (800) 642-3844.

Top Ten Scams images for press:

Top Ten Scams Poster .pdf

Top Ten Scams Logo .jpg

Boxing Day bargain hunters need to be smart shoppers, says BBB

12/22/2011

Posted on 12/22/2011 by

Boxing Day is approaching and with the frenzy of sales activity consumers will again be facing long line-ups and limited quantities of products. Better Business Bureau would like to remind consumers to be smart shoppers before they rush out to get a deal.

“Retaillers are already publishing sales for Boxing Day and consumers are getting caught up in the excitement of finding a great deal,” says Lynda Pasacreta, BBB President and CEO. “We want consumer to be smart shoppers. Read the fine print in ads and know the store policies regarding Boxing Day sales.”

BBB advises consumers to be proactive and savvy. Consider the following before taking advantage of retailler sales this Boxing Day:

Read ads carefully before starting your shopping. Make sure you read and understand all of the fine print. If you have questions, contact the store ahead of time and get clarity on any policies or conditions that may affect your experience. Some retailers have price exemptions specifically for Boxing Day. This can affect 14-day price guarantees because retailers may not match special Boxing Day pricing.

Bait & Switch. One of the biggest problems during significant sale days like Boxing Day is the practice of offering a popular, expensive item for a great sale price, but only stocking a very limited number of these products. This is somewhat of a bait-and-switch because even if that product is unavailable, you are likely to stay at the store and take advantage of other less valuable sales. Our advice to avoid this problem is to contact the retailer before the sale goes into effect and ask what quantity of the featured item is in stock. Also ask if they offer rain checks to customers if they run out of the product unreasonably early.

Up-to savings claims. You may see exciting offers this Boxing Day stating certain items are “Up-to 70% OFF!!” or other similar claims. One item is 70 percent off and most of the products are marked at a much lower percentage off, perhaps at 30% off. That’s why BBB Code of Advertising guidelines state that a business should advertise the minimum and maximum amount of savings: “30% - 70% OFF”, so it’s clear that the savings are within that range. So be aware that if you see those kinds of claims, the product you want may not really be marked down as much as stated in the ad. If you come across this problem, please file a complaint with the BBB (at www.mbc.bbb.org), so we can contact the business and request that they modify the advertising.

Are deals really worth it? Consumers can often get caught up in the rush of a sale and sometimes forget to ask themselves simple questions such as, “Is this something I have planned to buy?” or “Do I need this item?” and “How much can I afford to spend?” BBB suggests going in with a budget and sticking to it, never buy because it seems like a good deal.

Comparison shop online. There are dozens of comparison shopping websites, and now smart phone applications, that claim to capture the best deals around. Before you pick your favourite site or app, we recommend checking them out at www.mbc.bbb.org or see what others have to say about the site through an online searches and consumer reviews.

Keeping Your Pets Happy and Safe when Boarding this Holiday Season

12/19/2011

Posted on 12/19/2011 by

As much as pet owners may want to take their furry or feathered friends with them wherever they go, sometimes you can’t take them with you and finding a kennel or pet care service you can trust is paramount. That’s why Better Business Bureau has created a checklist to help pet owners choose a safe and reliable home-away-from-home for their pets.

Every year, BBBs across North America receive hundreds of complaints from pet owners about kennels. To date, in 2011, BBBs have received more than 400 complaints arguing disputes over billing, and over the treatment of the pet – which is up from the 273 complaints filed in 2010. Owners say their pets came back from poor boarding kennels severely dehydrated and malnourished or rife with fleas, ticks, and even maggots. Worst-case scenarios include pets that became extremely ill while boarding at poor facilities which resulted in lengthy stays at the animal hospital.

Fortunately, BBB serving Mainland B.C. has received 823 inquiries and 5 complaints this year.

“For many of us, our pets are like family and leaving them in the care of someone else can be nerve-wrecking and the stress can overshadow your trip", said Lynda Pasacreta, BBB President and CEO of the BBB serving Mainland B.C. “Take a few moments to do your research and find a kennel you can trust so your time out of town will be easier for you and your pet.”

If you are looking for a reliable kennel, BBB recommends the following checklist:

Check them out and get recommendations. Always check out the kennel with BBB at www.mbc.bbb.org first to make sure they have a good track record for keeping customers satisfied.
Make a visit. Personally visit the facilities you are considering before scheduling the boarding. Check for cleanliness and offensive odours, and note the overall safety of the kennel and cages.
Ask lots of questions. If your pet is prone to running away, ask about steps the kennel has taken to make their facilities escape-proof.
Ask about how your pet may come in contact with other animals. Some kennels let animals play together while others keep them separate at all times.
Ask about the feeding schedule, water accessibility and frequency of – or fees related to – exercise.
Ask about the hours for drop off and pick up and make sure you understand their billing policy.
Finally, ask what happens in case of a medical emergency or other unexpected situation.
Go with your gut. Note the friendliness of staff members and how they interact with the boarded pets. Ask about their background and experience. If your province requires inspections, look for the certificate on the wall and make sure the kennel is properly licensed. Make sure the facility requires that all entering pets have proof of immunization, and ask about their policies regarding flea and tick control.

The BBB's Top 10 Tips to Prevent Grinches from Spoiling your Holiday Season

12/5/2011

Posted on 12/5/2011 by

The holiday season is upon us and so are Grinches and Scrooges out to take your money by unsavory means. Whether you are online or in a store, BBB advises consumers to be on the look-out for scammers and know the company's policies before you pay.

“This gift-giving season put a lot of pressure on people to get the perfect gift,” says Lynda Pasacreta, President and CEO of the Better Business Bureau serving Mainland British Columbia. “Consumers need to stay vigilant against financial crimes and avoid companies which have a troubling complaint history. These are the Grinches that can steal your Christmas.”

The BBB encourages you to take steps to avoid common problems such as items that can't be returned, gift cards that can't be used and orders that never arrive.

1. Think twice before clicking a link sent to you via email: These links could lead to viruses and allow Grinches to get your personal and banking information. Instead independently find the sites you want to shop on and check www.mbc.bbb.org for safe websites and stores.

2. Remember that criminals and scammers don't take a holiday: Also make sure to check out the businesses privacy policy before giving out personal information. If shopping online be sure your computer has the most up to date anti- spyware: so that little Grinch fingers can’t get at any of your personal information.

3. Keep all your receipts and read the fine print: Online businesses are required by law to send you your product within 30 days unless otherwise stated or you do get your money back. Before you find yourself crying Grinch, understand that refund and exchange policies can differ significantly from one seller to another. Even Santa can’t return a gift if it isn’t identified as one on the receipt.

4. Pay with a credit card, instead of cash or bank card: If it’s a scam you’ll have record of it and are more likely to get your money back, dispute the charges if you don’t receive the item or dispute charges made to your account. No other form of payment offers this. Also make sure to check your credit card statements often and not just when your bill comes in.

5. Beware of gift card scams: Con artists can get important numbers off of the gift cards before you have even bought them by scanning the identifying number before hand. They can then go onto the website and see when it is activated, once activated they can use your gift card to purchase items. Instead ask for gift cards behind the counter instead of the ones displayed and use your gift cards as soon as possible.

6. Don’t leave your purchases in plain sight in your car: The holidays are a car thief’s prime time to break in and steal your purchases. So either remove your purchases from your car or make sure they are out of sight. Unlike the Dr. Seuss story those gifts wont be returned by the Grinch to your car because his heart has suddenly grown.

7. Verify validities of charities The sneakiest Scrooges will often adopt a similar name to known charities, so make sure you do your research and always make out your payment to the charity and not individual solicitors.

8. Make a list and check it twice: Often consumers will head out to the malls and spend more money than intended, so make a list of what you want to spend and keep track of how much you are spending.

9. If going with a layaway plan check out their policy, and if they are BBB accredited: Layaway is an excellent option when paying for something pricier make sure to find out all the details, like how much you need to put down, interest costs, when payments are due, and their return policy so that there are no surprises at the end.

10. Beware of deals that sound to good to be true…they probably are: When shopping online there are hundreds of website offering to beat out the next website with their own deals. Make sure to check if the website is legitimate. Sometimes paying less can often cost you more.

Better Business Bureau awarded for workplace excellence

12/2/2011

Posted on 12/2/2011 by

Better Business Bureau serving Mainland British Columbia (BBB) earned top honours for “Best Company to Work for in British Columbia – Public Sector, Non-Profit & Crown” at the BC Business awards gala held on November 30, 2011.

“BBB aims to be a supportive environment that helps its employees grow, providing mentorship and a fun working environment,” said Lynda Pasacreta, BBB President and CEO. “What makes us successful is that we have a collaborative culture that encourages our employees to share ideas to help advance the organization beyond the status quo.”

Some of the noteworthy Better Business Bureau employee engagement activities and practices include:

· Empower employees who are passionate about what they do

· Weekly video “fireside chats” where employees get departmental updates

· Flex days for employees including opportunities to work from home

· Providing a vision board in the dining area for staff to post ideas

· Staff incentives such as grocery/movie gift cards for innovative ideas

· Workplace wellness program

· Creative team-building activities such as the annual pirate-themed scavenger hunt, movie screenings, etc.

· Employee recognition for personal and professional achievements

· Social activities to give back to the community

The Better Business Bureau serving Mainland British Columbia was founded in 1939 and is located in Vancouver. BBB is powered by 26 employees and services the needs of 3,400 Accredited Businesses across British Columbia. BBB offers consumers and businesses resources including business reviews and complaint help at www.mbc.bbb.org.

Better Business Bureau handled 10,000 consumer complaints in 2010 and has received over one million consumer inquiries this year.

BBB Dynamic Seal Features

11/28/2011

Posted on 11/28/2011 by

Due to widespread demand from Accredited Businesses, BBB is launching a new dynamic seal for Accredited Businesses’ websites! This program is available to all BBB Accredited Businesses with websites that have been reviewed and meet BBB Accreditation Standards.

BBB Dynamic Seal Features

· A direct hyperlink to your company’s BBB Business Review.

· New customization options that allow you to choose layout, size and display.

· The option to include your BBB rating and/or the text “Click for Review”.

To Install the New Seal on Your Website

1. Contact our Accreditation Services team: 604-681-0312

2. Book a web review of your company's website.

3. Once approved, install BBBOnline Seal Code as sent by our staff and follow the simple process for seal installation.

The old seal will be phased out so it’s important that you add the new seal to your site.

Crunch time for Grey Cup ticket scammers

11/24/2011

Posted on 11/24/2011 by

Crunch time for Grey Cup ticket scammers

The hottest ticket in town is for this weekend’s Grey Cup and the Better Business Bureau (BBB) warns fans to avoid the risk of getting ripped off if you decide to gamble on a less than reputable source for tickets.

“It is crunch time for scammers to get up to their usual tricks with counterfeit or bogus tickets,” says Lynda Pasacreta, BBB President and CEO. “Scammers know what the hot tickets are and search out fans who are so excited that they might not recognize the signs of a scam.”

To avoid getting ripped off buying event tickets, BBB lists these red flags:

Believing you’re that lucky – The reason tickets are expensive is because they’re hard to get and the chances of you getting lucky and finding a deal are slim. If a situation sounds too good to be true, such as someone selling tickets to a popular event for much less than offered elsewhere, it’s probably not on the level.

Wiring money to someone you don’t know – Never wire money to someone you do not know. When buying tickets online through a secure website (the web address should begin with "https://") ideally pay with a credit card because of the consumer protections provided.

Not doing your research – If buying online, ask to see a picture of the tickets so you can confirm the seats match up with the venue. If your friends already have tickets, you can also make sure they look the same as the ones you want to buy. Search for guidance online about how the tickets should look.

Buying from scalpers at the event - Buying tickets outside the venue can be a game of roulette. You might get taken to the cleaners or the seats may not be just as advertised.

Choosing a disreputable online ticket broker – When purchasing tickets through an online broker check them out online at www.mbc.bbb.org. Review the company’s policy for customer satisfaction and what happens if tickets purchased through their site are fake or not as advertised.

For more advice on spending your money wisely and not getting ripped off, visit www.bbb.org/us/Consumer-Tips/

UPDATE: Malicious Complaint Email Claiming It’s From BBB

11/23/2011

Posted on 11/23/2011 by

A new scam using the BBB name popped up this morning, and has been received by consumers and businesses across the U.S. and Canada…including many BBB offices!
This is a phishing email that has a dangerous hyperlink contained within the email.

Legitimate complaints from the Better Business Bureau of Mainland BC will have local contacts from our BBB in British Columbia. You will see in the email signature a BBB employee name along with an email with name@mbc.bbb.org. There is a 604 phone number in the email. Additionally, the complaint link that appears to be that of BBB in New York. However, if you hover your mouse over the web address (the part that begins with http), you can see that the real address is not BBB at all. DO NOT CLICK ON THE LINK! The link actually takes you to a rogue website that downloads a Trojan virus on your computer. For the latest updates visit our scam email page on the BBB website: www.mbc.bbb.org

Should you receive such an email do the following:

1. Disregard its message.

2. Report the email by forwarding it to phishing@council.bbb.org. In some cases you may get a bounceback message when forwarding to this email. Please disregard the bounceback email as all emails are being received.

3. Delete the email after forwarding.

4. Due to the virulent nature of the email run a virus scan if you have clicked on the link within the email.

This new email has been reported to BBB Deactivation team and we will have further information on the update as it becomes available. Thank you for your cooperation and patience with this matter.

BBB scam email: Dated August 21, 2012

The latest version of the email does not have a signature of the Better Business Bureau, but does have a link that looks like it is from the BBB. Hovering over the link will show that it is not from the BBB.

----------------------------------------------------------
August 21, 2012

RE: Case# 0575501: Kurt Fletcher

Dear Company:

As you are aware, the Better Business Bureau contacted you regarding the above-named complainant, seeking a response to this complaint. Your position is available online.

The following URL (website address) below will take you directly to this complaint and you will be able to view the response directly on our website:

http://newyork.app.bbb.org/complaint/view/0575501/b/872325809f

The complainant has been notified of your response.

The BBB believes that your response adequately addresses the disputed issues and/or has exhibited a good faith effort to resolve the complaint. The complaint will close as "Administratively Judged Resolved" and our records will be updated.

If you fail to honor your agreement or if the consumer has information that disputes the accuracy of your firm's response, we will notify your office with substantiation to support the consumer's position and the case will be re-opened. Cases will not be re-opened without documentation or good cause.

The BBB appreciates this opportunity to serve you. Dispute Resolution Department.

----------------------------------------------------------

BBB scam email: Dated July 31, 2012

The newest variations of the scam email state that your company has a complaint and is seeking your response.

Latest BBB scam email: Dated March 28, 2012

The newest variations of the scam email state that there has been "unauthorized bank transfers to your company account" in the subject heading. Better Business Bureau has not authored these emails and information stored on the BBB system is safe and protected. Here are PDF examples of the latest scam. LINK

BBB scam email: Dated February 27, 2012
In this email, it states in the subject that "Your company is accused of supporting illegal business." This is not an email from the BBB but another variation of the BBB phishing email.

Example images of BBB Scam Email:

Example images of legitimate BBB complaint emails:
Remember to contact us directly to see if you have a complaint: 604-682-2711. Do NOT click on any links in an email unless you are certain of its origin.

10 ways to save and make wise decisions on Black Friday

11/21/2011

Posted on 11/21/2011 by

It’s time to start planning your Black Friday, that special day after the US Thanksgiving when retailers gear up to offer their best. Our past experience tells us that all deals are not created equal and the fine print is often the most important thing. Before you head out the door or buy online for a block buster, the Better Business Bureau and Consumer Protection BC offer the following tip sheet to help you save time and money and make smart consumer decisions.

Tip 1 – Know before You Go.
In the coming weeks many retailers will release their Black Friday deals online, in social media and other publications. Research where the sales are and make a list of your gift priorities to compare prices and plan your day of deals. Since many advertisements will begin before the actual sale, build up a coupon collection as soon as possible. Remember to bring ads with you on Black Friday just in case the price is not what you expected.

Tip 2 – Don’t Fall for False Advertising.
Some companies still resort to advertisements that are untrue, misleading, deceptive, or plain fraudulent. Black Friday advertising will be abundant and we urge consumers to watch for red flags.

Many consumers have experienced frustration and lost money they can’t afford to lose after being lured by prices too good to be true, bait and switch ads designed to bring you in but push you toward more expensive items, fine print return policies, final sales, and deals that end before the day is done. To protect you on Black Friday, we advise consumers to do their own research to confirm the claims being made.

Tip 3 – Maximize Advance Alerts.
Do you have favourite retailers? Now is a good time to sign up for their email alerts and “like” their Facebook page. BBB Accredited Businesses and other stores are working to reward your loyalty and you may get a jump on special offers.

Tip 4 – Shop with Trust.
If you find a deal – don’t just jump at the first chance to get it. The BBB recommends doing your research on the business – know how long they’ve been in business, look into their customer service track record, check them out at www.mbc.bbb.org. If you have concerns about the type of gift or the right fit – make sure you ask about their return policy too.

Tip 5 – Comparative Shop Online.
There are dozens of Black Friday websites that claim to capture the best deals around and they can really help you do your comparative shopping online. Before you pick your favourite site, we recommend that consumers find a reputable site that’s not a fly-by-night operation either by checking them out at www.mbc.bbb.org or see what others have to say about the site through an online search.

If you decide to buy online there are a host of security measures to abide by, among them to Start with Trust and know you are dealing with an experienced, reputable retailer; confirm that the site is secure and be certain you have a phone number and physical address should problems arise with your order.

Tip 6 – Look for QR Codes.
They’re square, black-and-white and funny looking – but they can take you straight to a deal. QR stands for Quick Response codes and they’re popping up in many ads and print materials. Several BBB Accredited Businesses use them to help you Start with Trust and they can bring you directly to a special offer or a BBB Business Review. Before you can scan one and view the offer - you’ll have to install a QR app reader. Most newer smart phones are equipped to scan QR codes and if you’re a mobile shopper you could really have some fun.

Tip 7 -Check the Final Price Before Paying if Buying Online
If you choose to shop online rather than deal with the crowds, always review the final amount due before confirming your online purchase. When shipping and handling charges, fees, or taxes are tacked on, those online prices may not be as attractive as you first thought. Any reputable vendor will provide you the ability to review your order before requiring you to make a payment.

Tip 8 - Take the Time to Think Through the Details
When buying online, take a moment to read all the fine print before making your purchase. Find out what currency you are paying in, American or Canadian dollars? If you are ordering from the United States you may also have to pay duty on items. If you are shopping for Christmas gifts, check the delivery dates as business get busy for retailers this time of year and it could take weeks to receive your item.

Tip 9 - Check Return and Exchange Policies.
All bets can change for Black Friday deals which means the store policies can change too. Make sure you know what the return and exchange policy is for your Black Friday special and that a return is even possible – especially if you’re buying online. Final sales, a very short return window (like before December 25^th) or in-store or online only credit could leave you with deal gone wrong.

Tip 10 – Shop Safely.
While getting a deal is important, there are ways to shop safely without putting yourself or your wallet in jeopardy. Consumer Protection BC and the Better Business Bureau advise consumers to take their time and plan ahead for the best rewards.

· Make a list and prioritize where you should go and when.

· Bring friends into the mix to help sort through your options, two cars can go in two directions making it easier to get limited quantities and some pals will even wait in line as you trade off shopping in the stores.

· Remember to get gift receipts and keep them organized for those moments when the thought wasn’t quite enough.

· Always read the fine print.

If you have questions about your rights and responsibilities as a consumer in British Columbia, please contact Consumer Protection BC toll free at 1-888-564-9963, or visit our corporate website at www.consumerprotectionbc.ca. You can also follow Consumer Protection BC on Twitter @ConsumerProBC, like us on Facebook and read our blog for valuable consumer tips.

10 ways to save and make wise decisions on Black Friday

11/21/2011

Posted on 11/21/2011 by

· Make a list and prioritize where you should go and when.

· Remember to get gift receipts and keep them organized for those moments when the thought wasn’t quite enough.

· Always read the fine print.

10 ways to save and make wise decisions on Black Friday

11/21/2011

Posted on 11/21/2011 by

· Make a list and prioritize where you should go and when.

· Remember to get gift receipts and keep them organized for those moments when the thought wasn’t quite enough.

· Always read the fine print.

10 ways to save and make wise decisions on Black Friday

11/21/2011

Posted on 11/21/2011 by

· Make a list and prioritize where you should go and when.

· Remember to get gift receipts and keep them organized for those moments when the thought wasn’t quite enough.

· Always read the fine print.

Thermal Windows, Restoration/De-Fogging

11/18/2011

Posted on 11/18/2011 by

Windows and doors are typically responsible for about 40 per cent of your home's heating bill. Thermal windows are typically two to four times more efficient than older single pane windows. That means you can expect your winter heating bills to drop on average about 20 percent to 30 percent.

Thermal glass is comprised of two panes of thick glass separated by an insulating spacer. The cavity created by the spacer frame provides an "air chamber" between the two panes of glass, which improves the insulating properties of the window. The two panes of glass and the insulating frame form a hermetically sealed unit that prevents the passage of air and humidity.

Argon is one of the most popular gasses used to fill the space between the two (or three) panes of glass in a thermal window. Argon is considered a good insulator.

Warranties are generally 10 years or greater.

If you notice any condensation inside a thermal window, then humidity is finding its way into the space between the two sealed panes of glass.

In most cases, this means that the seal has been damaged and the window must be replaced. In addition to the risk of the glass actually breaking, a thermal window with a damaged seal can, according to some estimates, lose up to 50 per cent of its thermal efficiency.

Explaining Condensation

There are some people who believe that foggy windows may be caused not only by seal failure or but by something referred to as “solar pumping”.

Solar pumping is described as naturally occurring during the change from day to night, where sunlight heats the inner airspace of the thermal window cavity during the day and causes the window to pressurize, which forces out small amounts of air within the window cavity through the semi-permeable seal. In the evening, as the temperature drops, the window cools and creates a low pressure area causing small amounts of air to be drawn back into the inner window cavity. The air being drawn back into the window naturally holds moisture and this moisture is absorbed by the window’s desiccant material.

In this scenario, the thermal pane window will eventually lose the ability to absorb condensation and fog up.

The Process

Many industry experts view the appearance of condensation as indication of seal failure and, therefore, a signal that it is time to have the window replaced.

However, there are companies that offer a service called window restoration or “de-fogging”. The process is marketed as an affordable solution to replacing foggy thermal windows.

Here’s how the process often works:

Holes are drilled at top and bottom of the window (glass portion). A solution is often used to clean the glass and remove any stains. The moisture is removed using a one-way valve, then the holes are re-filled. During this process, the argon gas inside the windows, which provides the insulation, is removed.

While this process may restore the aesthetic value of the thermal window, claims that is also restores the R-value--which is a measure of thermal resistance used in the building and construction industry--should be substantiated.

Many industry experts have advised BBB that this process may not deal directly with the cause of the condensation (either a broken seal, improper installation, or a manufacturing defect) and be only a short-term solution. The process may also reduce the effectiveness of the window in terms of its energy efficiency.

BBB warns parents to be wary of ‘The Event’

11/15/2011

Posted on 11/15/2011 by

The Event, a business that entices parents to spend thousands of dollars for help in getting their children into show business, appears to be bringing its “once in a lifetime opportunity” to B.C.

Better Business Bureau (BBB) warns families to be extremely cautious when dealing with The Event, which lists an address in Wilmington, Delaware. The Event is a trade name for New York Studio, Inc. The company is advertising on local radio stations plans to hold interviews and preliminary talent and modeling screenings.

“This business advertises extensively on radio, making it appear that it holds some kind of magic key to unlock the door to fame and fortune,” says Lynda Pasacreta, BBB President and CEO. “Unfortunately, that may not be the case. Parents need to exercise extreme caution when dealing with these kinds of talent promoters.”

In other cities across North America where this company has operated, consumers have told BBB that they felt misled into believing the business had an affiliation with Disney, that they felt pressured into signing contracts they later regretted and that they were never told that $1,000 of their deposit was not refundable.

A company representative told a BBB investigator who called the phone number that the event offered “a chance to get your child in front of a talent agent. We’re not looking for a whole lot of experience.”

One consumer visiting Vancouver from Kamloops claims to have lost $9,000 to the business after they felt pressured into signing a contract at a local mall. He’s attempted to have the charges reversed without success.

In a statement, Disney told a Mobile, Ala., TV station last April that representatives from the Disney Channel do not participate in The Event showcases. “Further, we do not authorize any independent casting agent to represent that he or she is participating in such showcases or acting workshops on behalf of Disney Channel.”

On its website, The Event describes itself as “a modeling and talent event that brings aspiring models and talent together with leading talent and modeling agencies from Los Angeles, New York and other major markets across the country.”

BBB offers the following tips for families interested in pursuing modeling and acting careers for their children:

Be careful about any requests for up-front payments in the form of registration, consultation or administrative fees.
Understand that this is a very competitive business and a paid seminar or event may not be the best way to get agents and others to notice your child.
Be wary of any promises of guaranteed employment or high earnings.
Be cautious of companies that try to convince you to pay money by throwing out names of known celebrities, motion picture studios or recording companies.
Check for BBB Business Reviews at www.bbb.org.

One employee can damage your brand

11/4/2011

Posted on 11/4/2011 by Lynda Pasacreta
Many companies spend thousands, sometimes millions, of dollars on developing and maintaining their brand. But one employee can make all those dollar spent a complete waste.

Case in point: Recently, my son was promoted into a new opportunity. My husband and I decided to by him a new suit as a gift for his success. We visited a favourite store with a budget in mind. It was Saturday and so both my son and I were dressed in casual weekend garb.

There were a couple of employees in the suit department at the time. They were both talking to each other and did not seem to notice that they had customers. There were no other customers in their area. The two employees continued to ignore us, chattering away with each other. Clearly, neither one of them wanted to serve us!

One of the employees finally came over and asked us what we “wanted”. I mentioned that our son received a promotion and my husband and I wanted to buy him a suit. She looked at my son and asked him if he knew what size he was. My son indicated that he did not (what man knows his size?). This employee rolled her eyes and sighed. She said that she had to go find her measuring tape (she works in a suit department – it should be around her neck at all times). After a bit of time, she came back, measured my son, told him he was a 40 regular, and to go ahead and check out the racks for that size.

My son quietly said to me that we could do better and suggested we go somewhere else. It was so evident that the employee had made the decision that this customer did not have the money to spend based solely on appearance.

We visited another store and spent close to $700 on a suit, shoes, shirt, and tie. The “sales person” (she qualifies for that title) had a measuring tape around her neck, identified herself, asked my son for his name, and then asked how much he wanted to spend. He told her that his budget was $500 and immediately was engaged with this person. At the end of the sale, she gave him a customer loyalty card that gave him future discounts and he felt appreciated and important!

I called the store where the employee made a very poor decision on how to treat a potential customer. In my opinion, her decision was based on her perception that my son may not have significant money.

I asked to speak to the store manager and was able to get through to the store manager’s assistant, Maria. She was amazing. She did all the right things. She listened, she empathized, she clarified her understanding, and showed that she really cared about how customers should be treated by her company. She asked me questions. She made comments that showed she understood how someone would feel being treated in this manner. Her passion about her company really showed through. I knew throughout our conversation that the employee my son and I dealt with was most likely an anomaly.

My son stated that he did not want any money or resolution from this store other then the acknowledgement from the store of the impact ONE employee can have on a company’s image. The store manager did follow up with my son to apologize for the treatment he received from their employee.

Consistent and ongoing training must be a key element in your company’s success. Hiring the right people and the right talent ensures that the same passion is exhibited throughout your organization. Maria demonstrated commitment, loyalty, and passion about her company – she is in the right position in her organization. Those same characteristics and personalities should show up no matter which person you are dealing with in your business – from the front line staff to the senior management – open door, transparent, honest, responsive, caring, and truthful.

I know these are the characteristics you value. That’s what your BBB accreditation symbolizes. But remember, everything you’ve worked hard to make your company stand for can by undone by a single employee.

Listen carefully to all of your staff as they engage with your customers. Are they in the right job? Have they got all the tools to give the best service they can to your customers? Do they truly like people?

If you can answer yes to those questions, then it makes a far easier to fix things when you do a make a mistake!

BBB Announces New Chairperson and Vice Chairperson

11/1/2011

Posted on 11/1/2011 by

BBB Announces New Chairperson and Vice Chairperson

The Better Business Bureau serving Mainland British Columbia has announced Bob Vincent of Brighter Mechanical as the new Chairperson for its Board of Directors. Mr. Vincent holds the role as General Manager of Brighter Mechanical and has served on BBB’s Board of Directors since 2009.

The Better Business Bureau also announced that Barry Sharp, AMA Management Ltd. is Vice Chairperson of the Board of Directors.

BBB Board of Directors 2011-2012

Executive:

Chairperson: Robert Vincent, Brighter Mechanical

Vice Chair: Barry Sharp, AMA Management Ltd.

Treasurer: Gary Hutton, Pacific Newspaper Group

Secretary: Bailey Jung, Silver Bullet Shredding

Past Chairperson: Tom Siba, BIV Media Group

President: Lynda Pasacreta, Better Business Bureau

Directors:

James Carter, Carter Chevrolet Northshore

Ron Harvie, Vancouver Management Ltd.

Cori Maedel, The Jouta Performance Group

Lindsay Matthews, ICBC

John Mitten, Poulin’s Pest Control

Mike Ng, Vancity Savings Credit Union

Jim Scott, Vancouver Police Department

Marv Steier, Tenant Verification Services

Andrew Turner, Telus

Governors:

David Crawford, Edgemont Moving & Storage

Elaine Hay, Campbell Edgar Inc

John Friswell, CCI Renovations
John Vickerstaff, Network Bonding & Insurance Services Inc.

Legal Counsel:

Doug Hopkins, Boughton Law Corporation

To download images of Bob Vincent, Brighter Mechanical click here

To download images of Barry Sharp, AMA Management Ltd. click here