February 23, 2012

A Win for Consumers – Congress Kills Robocalling Bill

Frozen Popcorn – CES 2011 – Consumer Electronics Show – Las Vegas, NV
consumer

Image by David Berkowitz
Consumer Electronics Show (CES) 2011 – Las Vegas, NV
(cc) David Berkowitz www.marketersstudio.com

Court-Justice

The debt collection industry has been lobbying congress to make changes to the TCPA (Telephone Consumer Protection Act) so that they could use automated dialing systems and contact consumers via mobile phones without prior permission.

Currently the TCPA prohibits any business, including debt collectors) from using automated dialing devices to contact consumers on their cell phones. The act also prohibits businesses from call consumer’s mobiles phones without express prior permission.

For once, congress actually did something to protect their constituents from being harassed on their mobile phones. The ARM industry has spent countless dollars convincing congress that making changes to the TCPA, stating that it is for the good of consumers. Luckily, our elected leaders listened to consumer outcry’s and dropped the bill. This won’t stop the debt collection industry from finding another route to harass consumers on their cell phones, but the TCPA keeps them off of consumers mobile phones.

The problem is that many American’s, especially those that are having financial woes typically have pre-paid phones (they pay for minutes). If an automated dialer continually calls these consumers (and debt collection live calls), it eats up the consumers minutes quickly. These typical consumers are already having problems paying their bills and such calls would put a further financial burden on those that can least afford it. The same goes for consumers with regular plans with a specific number of minutes, debt collection and telemarketing calls eat up the consumers minutes and thrusts the financial burden on them, rather than the business that is calling.

The debt collection industry are not the only ones that had hoped changes would be made to the TCPA. Big businesses would love to market to consumers via mobile phones and again that would frustrate, annoy and put the financial burden on consumers.

For once those in congress decided that maybe protect consumers (aka voters) was the smart choice over big business lobbying dollars.


ABOUT ALLEN HARKLEROAD

Allen Harkleroad is the author of the book “Stick it to Sue Happy Debt Collectors”. The book has saved countless consumer from the clutches of abusive debt collectors and shady debt collection law firms. Allen Harkleroad is a veteran of beating bad debt collectors, whether it defending himself in court or suing them for violating the law. Allen’s latest book ‘Suing Debt Collectors’, is now available book stores and online.

Allen is an avid and judicious consumer advocate who enjoys helping others. In addition to consumer advocacy he enjoys writing and blogging on various technology and business subjects.

FMD Consumer News

Legislators Kill Bill To Allow Robocalling Of Cell Phones

Less than three months after introducing a bill that would legalize automated robocalls to cell phone numbers, the Nebraska Congressman behind the legislation has listened to reason and pulled the plug on it.

Rep. Lee Terry’s robocalls bill is dead.

“We’re driving a stake through its heart,” said Congressman Lee Terry, who introduced the bill in September, supposedly with the goal of making it easier for information such as flight delays and school closings to be disseminated. “Dead. Done. Buried.”

The bill would have prohibited telemarketers from blowing up your mobile, but that didn’t suffice to many people who were concerned about these first calls being just the thin edge of the wedge that would eventually fling open the door to any robocalls.

In addition to it being a privacy concern and a total nuisance, answering unwanted robocalls would have taken away precious minutes from those customers without unlimited voice plans.

Last week, 48 of the 50 Attorneys General penned an open letter to Congress asking them to let this bill die an early death.

Rep. Terry said he did his best to make the bill palatable, working with consumer advocates and other legislators to find a happy place where everyone wins, but no such Eden was ever located.

“There was just no language where they would be comfortable and I could be assured that people wouldn’t receive unwanted calls,” Terry said.

In their letter explaining the demise of the bill, Terry and his co-authors stated, “[W]e have learned is that there is no hope for this legislation.”

Here is the full text of the letter sent to House Energy and Commerce Committee Chairman Fred Upton:

Dear Chairman Upton:

We would like to take this opportunity to thank you and Chairman Walden, for allowing the hearing to occur on the merits of HR 3035. The hearing really helped to bring to our attention the issue of out of date telecommunications policy and how we need to begin to modernize current law.

However, what we have learned is there is no hope for this legislation. We have heard from our constituents. They are concerned about what they believe will happen should this legislation become law. We have convened meetings with numerous consumer groups, as well as other organizations who have an interest in the legislation, but we have been unable to reach any kind of consensus on language that bans unwanted cell phone calls, while allowing calls that are consented to.

In an attempt to thread the needle and address the issues that have been brought before us, it is clear that this bill cannot be improved in a manner that will address the concerns of those involved. Therefore, we ask that HR 3035 not be advanced by the committee.

Thank you in advance for your consideration.

Sincerely,
Lee Terry
Edolphus “Ed” Towns

Uncle! Terry kills robocalls bill [Omaha.com]

Thanks to PD for the tip!

The Consumerist

Mother Somehow Runs Up $1500 Verizon Bill

Despite not knowing how to use her phone for anything other than making calls, Michelle’s mother somehow racked up a 00 bill for 2,888 MB worth of “music or video streaming.” It certainly wasn’t the latest Justin Bieber video on loop. Michelle is trying to negotiate with Verizon but all they’ve done so far is offer a 50% discount. That’s still about 0 more than Michelle wants to pay.

Michelle writes:

I’m having problems with Verizon Wireless. I’ve entered into several contracts with them over the years so that my mother and younger sister could each have cell phones. (I have a separate plan with another provider) They couldn’t afford the phones on their own. Their bill has ranged from 0-150 per month consistently for nearly two years.

In August, with only 4 months left on the current contract, the bill shot up to over 00. I was at first convinced that it was a simple online billing error. I told my mom about it and she agreed it must be an error. She called Verizon customer service. They initially said it may be a problem with the phone, but they would have to investigate it further. Over the next few weeks, they continued to say they were “investigating.”

They now claim that the charges are valid and that they are for data usage (2888 MB), likely “music or video streaming.” The phone where the charges originated is my mother’s; I know for a fact that she doesn’t know how to use the internet on the phone, nor would she stream anything. My sister has her own phone, and an MP3 player for all her music. Moreover, both my mom and my sister tell me they weren’t using the phone for that purpose.

My dad, a longtime Verizon customer, has been calling them the last couple days and trying to negotiate. They have offered a 50% discount… which still puts the bill at over 0. They won’t budge beyond that. I’m a little shell-shocked, which is why I asked my dad to speak with them. I can’t afford to pay a bill this large and don’t know what to do. I’m stunned that they wouldn’t be willing to add unlimited data to the plan and backdate it… Is 0 worth losing me as a customer (and likely my friends and family)?

Do you have suggestions as to who I could turn to, or what I could do? I’ll try the BBB. I’d like to get this resolved as quickly as possible so it doesn’t impact my credit.

Apparently, yes. But even if you leave, Verizon will still want you to pay this bill you believe to be erroneous.

Here is some executive customer service contact info for Verizon Wireless that may help you. Demand an accounting of what exactly the 2888 MB in data is supposed to be from to start getting to the bottom of this.

The Consumerist

Knocked $30 Off My Cable Bill Just By Asking

I’ve been hearing how the ol’ “threaten to cancel to get your cable bill reduced” ploy is “dead” but I decided to give negotiating with the cable company a shot. I got my monthly bill reduced by , and, indirectly related to my conversation with them, somehow also got free HBO. Schweet.

I called up and navigated through the phone tree to “sales.” I decided to go there rather than take the “questions about your bill” option because the sales department hold times are often shorter. Companies are usually more excited to make new sales than spend money servicing old customers. Plus, I was negotiating for a new contract so that counts as a sale, right?

Not really, because the guy, who picked up right away, transferred me to the retentions department. When he had asked me what he could do for me today, I had told him “put me in a cheaper plan.”

When the woman in retentions picked up I asked, “How can you help get me exactly what I’m getting now but pay less?” Currently, we have cable tv and internet with the cable company. I noted that we were out of contract and that our price had gone up over the past few years. I pointed out how they were offering a package for new subscribers that was about less than I was paying currently. I said, “let’s use that number as a starting point in our conversation. What can you do for me?”

After a halfhearted attempted to upgrade us to a triple-play package, she clacked away at the keyboard and came back with a deal that’s about less than our current monthly bill, a savings of 0 a year. I can buy a lot of hats with that. Maybe even 10. The deal is for 2 years and requires no contract, so there’s no risk of incurring an early termination fee if I decide to break contract down the line, which is nice.

I probably could have gotten a better deal if I went through and canceled and waited for them to call me back with a cheaper offer, but I didn’t have much time and didn’t need to risk losing internet access even temporarily, as I use it constantly for work.

I had never gotten around to swapping our cable box for an HD one so I also asked if I could do that. She said yes, I could do that for free, as long as I dropped off the box myself. Otherwise it wold cost .95 to roll the truck to send a technician over. So I hopped on my bike and swapped the boxes at their local office nearby.

When I got home and plugged it in, I was pleasantly surprised to see that somehow now we were also getting several different flavors of HBO and some other movie channels we weren’t getting before, for free. Awesome sauce.

So, negotiating for deals with your cable company isn’t dead, you just gotta ask. It never hurts, and you could end up watching “Game of Thrones” for free.

The Consumerist

Larry King / Bill Maher – Columbus Caller

08/14/07 Larry King interviewing Bill Maher on CNN. Bill discussing John McCain and receives call from Columbus OH about political candidates not discussing consumer debt crisis.

What’s the economy doing where you live? JOIN US ON FACEBOOK: www.facebook.com JOIN US ON TWITTER: twitter.com JOIN US ON MYSPACE: www.myspace.com Playlist: www.youtube.com The Great Transition (2011-2050) Economy-Energy-Environment- The Three E’s of the Perfect Storm The Great Recession is the beginning of the Great Contraction. It will take at least a decade to clear out bad debt and longer to solve the energy and environmental problems, only then can the Great Transition begin. The final stages of this new report will be uploaded later this year. They will include practical advice on how to make it through the transition which I am guessing will have to be achieved by 2050. The world’s leading experts are already aware of this. Now you can be also. The latest video from Sustainable Earth includes new reports from government, the military, intelligence agencies and major NGO’s. It ends on a positive note; the reality of consequence will finally free humanity from short-term thinking.
Video Rating: 4 / 5

Bill to prevent consumer fraud by US banking institutions ?

Question by xuserx2000: Bill to prevent consumer fraud by US banking institutions ?

http://maloney.house.gov/index.php?option=com_content&task=view&id=53&Itemid=61

Rep. Carolyn Maloney [D-NY] introduced a bill to extend the Truth Lending Act, to include disclosure of overdraft services to consumers by banking and lending institutions. Currently the law allows these institutions to charge fees for forced overdraft services without disclosing their policies to consumers. They are not required to notify of policy or fee changes as well. Maloney has 10 co-sponsors on this bill http://www.govtrack.us/congress/bill.xpd?bill=h110-946 (All of which are democrats). The bill was initially squashed under it’s first introduction, so it never made it to vote. Almost everyone has been a victim of this practice at some point.

I for one would rather be denied at the point-of-sale, rather than pay 36$ for a cup of coffee. At a minimum I should be able to opt-out of overdraft protection services.

What do you think about this ? Does it stand a chance ?

Best answer:

Answer by Dull Jon
They should clean up more policies than that in banking. It’s a grotesque industry full of lies and deceit.

Add your own answer in the comments!

Bill shock? Consumers choose it, says Big Wireless – Ars Technica


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Video: Cantor: “Most Americans Don’t Like the Health Care Bill”

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FCC Seeks to Curb Wireless ‘Bill Shock’ – Wall Street Journal


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GOP Senator Pledges to Gut Wall Street Bill if Republicans Win Control of Congress

This post first appeared on Balloon Juice.
They’ve chosen sides …
And they are with the poor little rich boys who made the financial mess:
A Republican majority in the Senate would “revisit” the Wall Street reform bill passed earlier this year, Sen. Richard Shelby (R-Ala.) said Tuesday.Shelby, the ranking member of the Senate Banking [...]

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