Monday, June 4, 2012

Forgery not acceptable as a sales pitch

When he received his Enbridge bill last February, Jeffrey Pelletier discovered a charge from Active Energy. He called Active, but was told he had signed a contract. Pelletier asked to see the contract and quickly determined the signature and initials were fake.

When he received his Enbridge bill last February, Jeffrey Pelletier discovered a charge from Active Energy. He called Active, but was told he had signed a contract. Pelletier asked to see the contract and quickly determined the signature and initials were fake.

Police, the province and natural gas distributor Enbridge should get off their butts now that Jeffrey Pelletier’s signature has been forged a second time on those notorious energy company contracts.

He got the runaround the first time after his forged signature and initials appeared on a contract with Active Energy. The natural gas retailer thought it had Pelletier signed up to a five-year “carbon offset” or “green” program. Now, the forgeries appear on a five-year contract for a similar program with Summitt Home Services.

For $19.99 a month plus HST, paid through their Enbridge accounts, subscribers can sleep easier knowing their money is being spent to remove their carbon footprints. The money is apparently invested into programs (i.e. tree planting) that work to decrease carbon-monoxide emissions from hydro use, or into renewable energy projects (i.e. wind power, geothermal heat).

Nice idea if one wants to spend $1,199.40 plus $156 HST over five years. But Pelletier didn’t and shooed away a couple of door-to-door agents who showed up at his home last fall.

When he received his Enbridge bill last February, Pelletier discovered the charge from Active Energy. He called Active, but was told he had signed a contract. Pelletier asked to see the contract and quickly determined the signature and initials were fake. The contract was signed “David Pelletier.” David is his first name, and Jeffrey is his second name. But he says he always signs his name “DJ Pelletier.” When it comes to his initials, he signs “DJP.” “DP” was on the contract. “I can’t remember ever signing my name David Pelletier,” he says. As well, his phone number given on the contract was way off the mark.

Active wouldn’t take his word and demanded proof the signatures and initials were forgeries. But Active backed down and cancelled the contract after the Public Citizen contacted the company. It also credited his Enbridge account $45 for his troubles.

Many consumers across Ontario have fallen prey to unscrupulous door-to-door salespeople who ask them to switch their natural gas, electricity or water-heater suppliers. Some salespeople, who are paid on commission, use high-pressure tactics, often misrepresent what they are selling and even trick consumers into signing. Forgeries can be a last resort if nothing else works. Salespeople usually have the names of Enbridge customers they’re calling on.

Though the issue with Active was resolved, Pelletier was stunned that Ottawa police were not interested in investigating. A report was taken, but Pelletier says police suggested he call Enbridge instead. “Forgery was a crime the last time I checked,” said Pelletier last February.
For its part, Enbridge washed its hands, saying it was not responsible for any products or services its customers buy from other companies that use its billing service.

The Ontario Energy Board says it investigates forged contracts for energy contracts, but not for carbon offset or green programs. It suggests complaints be made to the Ministry of Consumer Services.
So who is Pelletier supposed to turn to after his forged signature and initials appeared on another contract for a green program, this one marketed by Summitt? The company has had its problems with the energy board over its sales tactics.

Pelletier got the latest surprise about a month ago when he opened his Enbridge bill and found a Summitt green charge of $19.99 plus HST.

He contacted Summitt but the company said there was little it could do as it had a signed contract from him. He could pay to break the contract, but that would cost him several hundred dollars.
Pelletier told Summitt he had gone through the same rigmarole a few months earlier with Active Energy, and that all it could possibly have in its records was a forged contract. He explained how he signs his name and initials. That seemed to work. He says the Summitt representative agreed to rip up the contract and told him to disregard the charge.

However, when he received his latest Enbridge invoice a few days ago, there were two “green” charges of $19.99, including a 33-cent penalty for missing last month’s payment. He called Summitt, which emailed him a copy of the contract dated last Jan. 6, just before his troubles with Active Energy began. He confirmed the forgeries. Though the name of Summitt salesman Justin O’Brien is on the contract, Pelletier does not remember anyone from the company showing up at his Meadowlands Drive home.

He called Enbridge, which this time promised to look into the matter after he told the company he had called this newspaper. Police now say he should complain to the Ministry of Consumer Services, not Enbridge as he was told the last time. Police say they will take his report and possibly investigate. The province? The Ministry of Consumer Services will take complaints at 1-800-889-9768 or online at www.ontario.ca/consumer services. But it also recommends that police be contacted as “forgery of an individual’s signature on a contract or any other document is an offence under the Criminal Code of Canada.”

Summitt spokesman Tyler Shannon directed me Thursday to Gerry Haggarty, the company’s chief executive. Shannon suggested I contact Haggarty by email, which I did immediately with a number of questions. Haggarty still hadn’t responded by late Friday afternoon.
 

Friday, April 20, 2012

Computer porn 'scareware' seen in Canada

OTTAWA, April 20 (UPI) -- Canadian officials are investigating complaints of computer users being asked for money because, they are told, their systems are linked to child pornography.

The hacking phenomenon known as "scareware" first appeared last year in Britain, but recently the Royal Canadian Mounted Police have been receiving complaints from users in Prince Edward Island, the Canadian Broadcasting Corp. reported.

"Over the past couple of weeks, some Islanders have received pop-up messages on their computers claiming to be from the RCMP or [the Canadian Security Intelligence Service] or the federal government of Canada, and they state that the computer is involved somehow with child pornography," Sgt. Andrew Blackadar told the broadcaster.

The pop-up seeks to get the user to pay as much as $250 through the Ukash payment system to erase the porn links, Blackadar said.

Users that did click on the link found their computer completely frozen and were unable to reboot, the report said.

The RCMP said anyone receiving such a message should immediately power their computer down. The force also recommended keeping anti-virus software up to date and turning on pop-up blockers.
The Canadian Anti-Fraud Center is also investigating the complaints, the CBC said.

Tuesday, April 3, 2012

Canadian Pet Cremation Fraud-Is This Happening In The UK?

CARLISLE, UNITED KINGDOM, Apr 03, 2012 (MARKETWIRE via COMTEX) -- Fears that grieving pet owners in the UK are being misled when paying for their pets to be individually cremated have surfaced following an undercover investigation which exposed deception at pet crematoriums in the Vancouver area of British Columbia, Canada.

In the UK, as well as in Canada and across the world, there is no regulation of the pet cremation industry. The majority of pet cremations are sold by vets, the nature of the service is rarely described in detail and the mark-ups vets' make on contracting out these services are a significant contribution to their annual profits.

Companies vying to win lucrative contracts with vets compete to cut their costs as much as possible - and so the likelihood grows that pet owners don't get the service they expect - but may never find out the truth. A case in Derbyshire last year highlighted the problems. Pet cremations sold through a vet were later found to be fraudulent after the pets were found dumped in a field.

Concerned that bereaved pet owners needed more protection, The Association of Private Pet Cemeteries & Crematoria was formed in the UK and its members operate to a code of practice ensuring that an individual cremation means that the pet is placed alone in a cremation chamber - as with a human cremation - and care and respect shown in all aspects of the service.

APPCC Vice Chairman Stephen Mayles said: "We know that mis-selling is taking places by the fact that the services are not described."

He added: "One of our members was told by a vet that had recently come into a practice that he was shocked that they weren't making large mark-ups on the cremations - and that was how other vet practices worked. By using commercial veterinary services a vet practice can make very large profits from selling cremations. Coupled with this are inducements to sell a certain number of "individual" cremations a month providing a situation where distressed pet owners are liable to be pushed into paying for something that may not be what they want.

The Canadian investigation was paid for by the Pet Cremation Alliance, a group of animal lovers and pet industry experts who suspected unethical behaviour on the part of some companies.

Using an experienced private investigator, they bought life-sized toy cats, removed their fillings and substituted raw meat. The toys were then frozen and taken to 12 Vancouver pet crematoriums for an individual cremation. When the toy cat was burned only some metal and dust should have been returned, but in six cases urns of ashes were returned that archaeologists confirmed included animal bone fragments - presumably the remains of someone else's pet.

Could similar deceptions be happening in the UK? The APPCC believes the answer is 'yes'. In the UK the only licensing of pet crematoriums is at waste disposal level to ensure that environmental laws are not broken. Many pet cremations are mass disposals where multiple animal bodies are burned together and finally sent to a waste site. There are also 'segregated' cremations where bodies are placed in the cremator either on numbered trays or separated by bricks or other means. The APPCC is aware that many cremation companies and vets describe this as an individual or private cremation without going into the detail.

Mr Mayles said: "Since cremation is a volatile process nobody can predict just how much mixing of remains will occur. Sometimes there is no movement and other times the remains may be tossed around the chamber. Even if there is no mixing the service is not necessarily what a person would be expecting from an 'individual' cremation."

The APPCC wants to see:

- The APPCC trading standards adopted by all veterinary surgeries to provide full details of ALL the levels of cremation and disposal services on offer so owners can make an informed choice.

- Vets charging for arranging a cremation, storage of the body, etc and passing on pet crematorium costs as a disbursement.

- Pet owners made aware that they don't HAVE to leave their pet with their vet and accept the service offered.

Questions you should ask your vet or cremation service are:

- What is your exact definition of an "individual" cremation?

- How do you identify animals' individual ashes?

- How do you store and transport my pet to be cremated and how are the ashes transported after cremation?

- How will you ensure my pet is treated with care and respect throughout the whole process?

Mr Mayles said: "The veterinary world is changing rapidly from a professional to a commercial service. Decisions are not necessarily taken for the benefit of the clients but for the bottom line of the business. That is not necessarily a bad thing when it comes to the core business as the two can coincide - but when unregulated services are sold for pure profit it is a doorway to disaster."

Useful links:

Association of Private Pet Cemeteries & Crematoria - http://appcc.org.uk/index.htm

Pet Cremation Alliance - http://petcremationalliance.org

CTV News reports in Canada - http://www.ctvbc.ctv.ca/servlet/an/local/CTVNews/20120329/bc_steele_pet_cremation_regulations_120329/20120329/?hub=BritishColumbiaHome

http://www.ctvbc.ctv.ca/servlet/an/local/CTVNews/20120328/bc_steele_pet _cremation_pound_120328/20120328/?hub=BritishColumbiaHome

Monday, March 26, 2012

Do some digging before you dig through your pockets for charity

The appeal sounds sincere, the cause seems worthwhile, and giving money to make something somewhere a little bit better just feels good.

That's probably why nearly half of young Canadians - 45 per cent of those 18 to 34 - don't do any research before handing over their hard-earned cash to a charity.

Just over half of them will donate on the spur of the moment, which adds the probability they won't check to see if the organization is legitimate first, according to a survey commissioned by CanadaHelps.org and Capital One Canada for Fraud Prevention Month.

Only 19 per cent of Millennials, as people in that age group are commonly known, are concerned about being victims of a scam - compared with 27 per cent in other age groups.

They're more likely than other age groups to hand over personal information, half as likely to ask if a charity is registered, and even less likely than that to ask for identification from those asking for the money.

The survey suggested 72 per cent of Canadians as a whole think there is more charity fraud today than 10 years ago.

"It's important that donors know how to find legitimate causes, so they can feel comfortable giving to charity - online and off," said Owen Charters, CEO of CanadaHelps, an online donations website where donors can give to all charities that are registered with the Canada Revenue Agency for a 3.9 per cent transaction fee on each donation.

Charities are increasingly making their appeals online through e-mail and social media (17 per cent), while 20 per cent continue to rely on telephone appeals.
Millennials aside, Canadians are more wary about making donations online than they are about making online purchases .

"With more Canadians giving online than ever before, it is increasingly important for them to understand what to look for before giving out their credit card number and other personal information," said Laurel Ostfield, a spokeswoman for Capital One Canada.

Capital One and CanadaHelps offer these fraud prevention tips:

- Make sure the charity is registered with the Canada Revenue Agency and provides you with its charitable registration number .

- Ask to see the charity's financial statements. They should be available to anyone who asks, and will give you an idea of how the charity spends its money.

- Understand the charity's impact. Whoever is soliciting the money should be able to give you a clear idea of what the charity does, and also the results of its efforts.

- Research. Instead of responding to solicitations when they come in, do some research about causes you support, and charities that work for those causes, and plan your giving that way. It's easier to resist solicitations if you know you're already doing what you can .

- Avoid the hard-sell. Charities that pressure you into making a donation are to be avoided, particularly if they're unwilling to provide clear and detailed information about their finances and services when asked.

Canadians can also go to www. canadahelps.org to take the third annual Charity Fraud Awareness Quiz, to see how aware they are of fraud.

The online survey was conducted among of sample of 1,000 Canadians aged 18 and over who are members of the Angus Reid Forum, which is owned by Vision Critical. The margin of error is plus or minus 3.1 per cent, 19 times out of 20.

Friday, March 23, 2012

Canada touts its Little Black Book of Scams

The 30-page booklet, filled with caricatures and cartoons, warns Canadians against everything from lottery scams to pyramid schemes, as well as conmen operating through dating web sites.

"We have developed the Canadian edition of The Little Black Book of Scams to increase your awareness of the many types of fraud that target Canadians," wrote Melanie Aitken, the head of Canada's Competition Bureau, in the foreword of the booklet.

The Little Black Book of Scams focuses on con schemes that typically target gullible consumers, grandparents and the lovelorn, and the booklet is modeled around a similar one published by the Australian Competition and Consumer Commission.

"You cannot win money or a prize in a lottery unless you have entered it," the guide informs readers. "Many Canadians are lured by the excitement of a surprise win and find themselves sending huge amounts of money to claim fake prizes."

It also cautions that while there are many legitimate dating websites operating in Canada, there are many dating and romance scams that part people of their money by appealing to their more compassionate side.

"Scammers target people of all backgrounds, ages and income levels," warns the booklet. "They know how to push your buttons to produce the response they want."

For a link to The Little Black Book of Scams:
link.reuters.com/syb37s

Tuesday, March 13, 2012

NATO security tricked by fake Facebook profile

A Facebook page for James G. Stavridis.

When the "friend request" appeared on their Facebook accounts, the military officers and government officials in Britain, America and their allies must have been flattered.

Who wouldn't want to be considered a personal friend of NATO's most senior officer, Admiral James Stavridis?

But, when they accepted the request, they had in reality become "friends" with a fake admiral whose electronic profile was constructed by foreign spies. Classified briefings suggest they were working for the Chinese state.

Neither Facebook nor NATO would disclose just how many people had fallen for the scam, but it was clear the number was significant - and so are the implications.

The spies who ran the fake profile gained access to a treasure trove of personal details - e-mail addresses, the names of family members , and possibly even phone numbers .
The personal information could be used by hackers to try to crack the passwords used on encrypted systems.Many people use the names of loved ones in passwords .

For NATO, it was a major embarrassment which emphasizes just how the nature of spycraft has changed from the days before the Internet. As a result, they have told military officers and diplomats who work for NATO that they should establish their own social networking profiles - in case the sting is repeated.

Stavridis now has an official Facebook site while the bogus one has been deleted.
Facebook uses sophisticated techniques to identify bogus .

A spokesman said: "After the profile was reported to us, it was taken down as soon as we were notified and investigated the issue."

Tuesday, March 6, 2012

Young more susceptible to fraud than old. Surprised?

Fraud is big business in Canada. According to the RCMP, fraud-related offences are now thought to be as lucrative as drug-related crimes, reeling in between $10-billion and $30-billion annually. In the month of December alone, the Canadian Anti-Fraud Centre (CAFC) recorded 2,413 victim complaints over losses of more than $4.5-million.

Unfortunately, many Canadians, especially those between the ages of 18 and 30, aren’t exactly keeping a tight grip on personal data that may be used to perpetrate identity theft and other scams.

A new study by Visa Canada found that younger Canadians were the most casual about sharing sensitive information, with 32 per cent admitting to freely posting their e-mail address, home address, birthday, or phone number on social networking sites, such as Facebook and Twitter.

In contrast, 24 per cent of those aged 31 to 45, 14 per cent of baby boomers (aged 46 to 65) and just 9 per cent of seniors (66 and older) reported engaging in the same behaviour.

Millennials are also more likely to share their PIN (personal identification number) with friends and family, lend their credit or debit cards to others, shop online, and use mobile devices; behaviours that can increase their chances of being ensnared by a fraudster.

Results of the survey also found that while seniors are the least likely to post personal information on social networks, they’re often the primary target of scams, particularly fraudulent phone calls and e-mails designed to solicit personal and financial information.

The "emergency" or "grandparent" scam, which has resurfaced with a vengeance recently, is the type of con older people should keep an eye out for. Typically the caller pretends to be a grandchild who's in some kind of trouble - whether a car accident, trouble returning from a foreign country or needing bail money. Wanting to help their grandchild, the victim sends money by a money transfer company such as Money Gram or Western Union.

Unfortunately, amongst those who had been victimized by fraud, seniors (66 and older) were the least likely to talk about it afterwards, with only 50 per cent reporting they had spoken to friends or family about their experience, compared with 70 per cent amongst all other generations.

“It’s crucial that seniors have conversations about fraud, so they can learn how to protect themselves,” said Gord Jamieson, head of Visa Canada’s payment system risk, in a press release. “No one should be embarrassed to talk to family, friends or their financial institution if they have questions about fraud or are worried they may have been victimized.”

But it’s not all doom and gloom on the fraud front. There are indications that Canadians are starting to get the message about protection their information.

A TD Canada poll found that the majority of Canadians are wary of emerging types of fraud such as online fraud, malicious social media apps, phishing and fraudulent cellphone apps, and are taking some steps to protect themselves, including:

  • Ensuring computer’s security software and virus/malware protection is up-to-date (86 per cent)
  • Subscribing to the highest level of privacy on their social media accounts (73 per cent)
  • Using a lock function with a password-protection feature whenever their mobile phone, tablet, or computer starts up or times out (54 per cent)
  • Never texting or e-mailing banking information (46 per cent)
  • Never downloading social media apps from unknown sources (45 per cent)
  • Never sharing e-mail or social media site passwords (45 per cent)