Darling Angel Pins
October 11, 2011 by staff
Darling Angel Pins, Back in 2009, when the yeast Teresa’s husband was fired from her job he had held for 17 years, began looking for a way to win some money. But with two disabled children in their care, she knew she could not work outside the home.
A day of baking, 45, noticed an advertisement in a newspaper in the area for people to work from home creating tiny pins in the form of account angles and ribbon. When the same ad for the bolts dear angel appeared in her local newspaper in Platea, Pennsylvania, decided to investigate.
Online, he met an attractive professional looking website. “They advertise that they made donations to the American Cancer Society, the autism group, all these great causes, so of course I was drawn to it,” he explains. “I thought it would be great to participate.”
The money sounded good, too. “They told me to pay and 2.50 for each pin mounted to them, I could do until I wanted, they were going to sell.” All I had to do was mail the company and a deposit of 500 of supplies. Then it would be a pin of the sample to be submitted to the company for review and once approved, begin production.
Yeast and sent her 500, received a box of supplies – and became one of the millions of Americans victims of financial fraud.
Consumer fraud – the intentional deception of a consumer – is nothing new, unfortunately. For decades there have been scams related to mortgage loans, credit cards, employment opportunities, lotteries and identity theft, to name a few. But in recent years as the U.S. economy has struggled with high unemployment, a housing market collapsed and a stubborn recession, fraudsters have taken advantage of financial fears of Americans in new ways.
“There are a number of scams that focus on people who suffer the financial consequences and we’ve really been chasing,” says Steven Baker, director of the Midwest region of the Federal Trade Commission. “It’s certainly a growing problem of people taking advantage of that suffering. It’s too bad, because you’re holding the nails in the first place and then steal the little money left.”
In 2010 more than 1.3 million Americans complained about consumer fraud. And that’s just the tip of the iceberg. Unlike yeast, most do not speak.
Did not take long to become suspicious, but by then it was too late.
“They sent me the cable I needed to complete the pins,” the yeast “and that made me a little suspicious, but when I called them they said, ‘Oh, a pin mount, send it back, and once make sure it is quality, we will send the rest of the supplies. “And he did.
Except, instead of receiving permission to begin producing more legs, the company rejected her angel (pictured, right). She made some changes and sent it back. Once again, the company returned it. “It was back and forth, back and forth. I told myself that no form of this pin is not of good quality.” She called to discuss the problem. At first they refused her calls. Then they started saying that he had never received her pin from the sample.
Over time, baking said he wanted her deposit and 500 returned, which the company had said it would always be an option. They refused. So the yeast called a lawyer, who discovered that the pins Darling Angel was a multimillion-dollar fraud. The company has never accepted anyone’s pin. instead of rejecting all samples repeatedly until “potential contractors” just gave up and left, leaving behind deposits and 500.
Enraged, yeast sent letters to “any and all who would listen.” One day, she received a call from the FTC, I wanted to hear more about its history. The national survey of online fraud that helped successfully, among other things, the formwork Pines Darling Angel and a dozen other companies also fraudulent, and confiscate their property.
Although it is difficult to measure the magnitude of the problem – consumers often forget to report being misled, either because they do not know where to turn for help or because they are embarrassed that they have been victims – experts agree it is great.
In the last five years, 6.1 million consumer complaints have been followed in the Consumer Sentinel Network, a database available only to law enforcement and a distribution center complaints to the agencies. In 2010 alone amounted to more consumer complaints and 1.7 billion.
And that’s just what was reported. According to Baker, some years ago that her agency conducted a random telephone survey and found that only 8.2% of victims reported complaints. “In other words, 90% do not. And we know from our own case we only have a couple hundred complaints and it turns out that there are thousands [of victims]. If you did for a living, I never believe how much fraud is out there. ”
While it has not necessarily been an increase in the number of frauds, its form has evolved to adapt to the changing economy. “Scams are in the headlines, so that people who do this kind of scams, if they see a lot of people are unemployed or at risk of foreclosure, they will go after them, to design something to go after people, “said Peter Kaplan, deputy director of public affairs for the FTC.
For example, in response to the housing bubble collapsed, now there are scam artists offering to help distressed homeowners to avoid foreclosure, often with the promise of obtaining a mortgage loan modification for a fee in advance. Often, the scammer gets the money, maybe make a phone call to the managing agency for loans, says the homeowner who tried unsuccessfully to organize a change, and calls it a day, pocketing hundreds or even thousands of dollars homeowners in trouble could have put your mortgage.
“People have had a hard time with your mortgage loan, and as an evasive, I really think it is better to pay someone to work with your servicer or housing counselor,” says Yolanda McGill, counsel for Fair Housing and Fair loans for projects in the Lawyers’ Committee for Civil Rights Under Law, a nonprofit organization, non-partisan. “People who are denied a loan modification and want a number that can go and pay for it.” Scammers know this and take advantage of it to make money at the expense of the owner.
Other increasingly common scams take advantage of the fact that 9.1% of Americans are unemployed. Scammers may offer to help a consumer to start a medical billing practice in exchange for an upfront payment, or announce an opportunity to start selling a product that does not exist.
“It’s really terrible,” says Monica Vaca, assistant director in the marketing division of the FTC. “These people are really looking for a chance to work, so you have to pay money to send away to learn about the opportunity.’s Not sit back and say, ‘Well, I’ll sit back and see where life takes me” . They are really trying to take control of their destiny, really trying to make money for them. On the contrary, lose their money and then also lose their aspiration. ”
Unfortunately for the yeast, which can never return to their depot and 500. “It may not sound like a lot of money, but for me it was my mortgage payment. Literally, at that time, we had a 500 and pay the mortgage.”
She, however, they feel empowered. “I tell anyone who will listen to be careful with the opportunities that seem too good to be true. I mean, of course it’s embarrassing. I’m embarrassed. I’m smart. I’m in college. And I have cheated. But if you do not say anything about it, the scammers keep doing it to others. So I tell people, ‘I know. I get it. Although one wonders if it’s too good to be true, you will try anything to work, to feed their children, to find your next mortgage payment. But that’s what hooked. “
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