Tag Archives: Consumer Protection

Help Spot and Avoid a Fake Mobile Phone for WCRD 2012

On World Consumer Rights Day (WCRD) 2012, consumers worldwide are reminded that they have the power to make the right choice and avoid fake or knock off mobile phones.

“People can inadvertently purchase a fake or sub-standard phone, through no fault of their own, by trying to find a cheaper price for a phone – especially on the internet,” said Michael Milligan, Secretary General of the Mobile Manufacturers Forum (MMF).

“Everyone wants to be able to buy a product at a good price. But unscrupulous suppliers are exploiting that desire for a bargain to sell products that are not what they claim, or that are just poor quality and perhaps even dangerous. To help consumers identify and avoid these fake or knock-off phones, genuine manufacturers have created the www.spotafakephone.comwebsite.”

Most fake phones are counterfeit copies of genuine handsets, which steal intellectual property such as designs, technologies and trademarks to deliberately deceive consumers. Fake phones are also produced without government approval, safety testing or certification and are sold illegally on the world’s black markets.

“The global black market for fake handsets has grown rapidly over the past few years and is estimated to be in excess of 200 million devices every year,” Mr Milligan said.

“With counterfeiters imitating all facets of a phones appearance, including labeling, design and packaging, it can be hard to spot whether a phone is fake or genuine, so the mobile industry developed this website to help consumers identify fakes and make the right choice.”

“Often it is the sub-standard components, low quality manufacturing and poor performance that impact on consumers after they have already purchased a fake, especially in the area of consumer safety, and usually the consumer has no recourse with the supplier.”

“Another important benefit of buying a genuine phone is that original manufacturers stand behind the quality of their own products and provide important product warranties to consumers should problems arise after purchase.” Mr Milligan said

Consumers can do their part in helping to identify, report and avoid fake or knock off phones by going to: www.spotafakephone.com.

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Non Profit Law Clinic takes on Mortgage Banking Giants with Fraud and Lender Abuse Law Suits

February 17, 2011 – Federally Registered Consumer Protection Assistance Coalition (CPAC), a Non Profit Law Clinic that started as a small organization helping families with small children and the elderly facing homelessness due to lender abuse and mortgage banking fraud has always been committed in assisting families that are struggling with abusive lenders and banking institutions. Fortunately for many homeowners who do not meet those requirements of having small children and the elderly are now able to become preferred members at no cost and have been receiving impressive results they otherwise would never have received with out CPAC’s intervention.

The Non Profit Law Clinic has successfully reversed several Trustee Sales, Cancelled Auctions at the last minute, obtained permanent principal reductions on mortgage home loans of up to 40% and have had foreclosing lenders allow a homeowner to reduce the old loan balance by more than $250,000.00 on the same property that the same lender previously rejected a simple rate reduction and then rejected a Short Sale that they them selves ordered the homeowner to acquiesce to. Why would a lender do that you ask? Well it’s not because CPAC is just another Non Profit Organization. As we all know, these Banking Giants who have been permitted to rape and pillage by our Governmental bodies have even been rewarded with billions and billions of our American Tax payer funds in the guise of Consumer Assistance, yet blatantly used these funds for lavish vacation bonuses and purchasing funds to buy other failing banks making sweetheart backroom deals to buy our homes for pennies on the dollar then reaping more financial gain after the homeowners been thrown out of their home recouping paper loses from Mortgage Insurance Companies that received more of our Government bail out funds. Why does this Non Profit Organization see these results when other nationally marketed non Profits with bank and government funding support only get 3 month trail payment plans or ineffective temporary rate reductions? Well it maybe because when you sit with a CPAC representative they don’t have you fill out a form that starts off with “Foreclosure Intake form” that immediately goes to the lender satisfying a specific (SB1137) law allowing the lender to now commence with foreclosure proceedings.

So why does this Non Profit Organization that doesn’t get one penny from any lender, bank or our Government get such dramatically different results from these same lenders? Maybe its because the first document one fills out with CPAC Non Profit Law Clinic is a document titled not titled as the one previously mentioned but titled “Lender Fraud and Violation Analysis” that can now be obtained on the internet from any where in the United States at www.CPACnonprofit.org . CPAC Non profit Law Clinic recognizes Lender Fraud, Violations, Errors, Misrepresentations ranging from very commonly found Predatory Loan Origination tactics, Predatory Loan Servicing Practices, Consumer Civil Rights Violations and up thru current foreclosure Laws at both the State and Federal Level.

While they detect these violations that have been held valid in both State and Federal Court as sufficient to invalidate the troubled mortgage loan that the lender had previously refused to modify and that would make the entire loan contract un-enforceable.

Once a CPAC Non Profit Law Clinic preferred Client you will be entitled to many completely FREE non consumer cost products and services including but not limited to FREE Legal Loan Modification, FREE Lender Fraud and Violation Analysis and FREE Prequalification for permanent principal reduction programs and much much more. In fact they will actually sign an agreement with you that will obligate them, their staff and their affiliates to be at your side until you receive permanent sustainable resolution. They offer help ranging from passive very non aggressive approaches for those who elect that route up thru Consumer Civil Rights Litigation Representation and Mortgage Contract Litigation due to Fraud or Misrepresentation. Become a member today, so you are prepared tomorrow. www.CPACaid.org or call them at 866-773-7864.

Non Profit Law Clinic

February 16, 2011 – Despite the fact that there are very few genuine legal firms and attorneys which can render you true affordable but effective support, especially when home owners are struggling with their mortgage. The industry is filled with many lawyers as well as non-attorneys who are taking advantage of the home owner’s situation and charging them anything from $3,500 to $8,000 for what has become a very ineffective if not just temporary rate reduction band-aid commonly known as a loan modification. This is common practice, especially to those home owners who are un-informed and unwilling to take an aggressive posture against the big bad banker. There are “attorney backed” service providers that use what are referred to as “Rubber stamp Lawyers” that usually append their signatures as well as lend their credentials for letters and other correspondence while non lawyers charge clients a lot of money. Also you’ll find some inexperienced Loan Modification attorneys asking for as much as $5,000 from desperate homeowners even though the actual loan modification action is not the practice of law.

Now what has just recently become a popular business model for these charlatans and swindlers is to take from $5,000.00 up to $10’s of thousands of dollars from these same desperate homeowners under the guise of partaking in a national “Class Action” Law suit that claims to guarantee the consumer will get their homes paid for free and clear.

Most of these ex-mortgage crooks that were banned from ripping off struggling homeowners when they had no intention or ability not to mention the knowledge to truly mitigate any loss for any one in a loan modification are now charging clients large sums of monies guaranteeing the consumer they will stop a foreclosure, get them $78,500.00 in compensation and get their loans paid down to a zero balance. Unfortunately many of these swindlers may not know or have any affiliation with the actual Attorney or Law Firm that is representing the “Class” in the Court Action against the lender and may never get the wishful homeowners names added to the Class Action Law suit. Homeowners are being told simply by signing the ‘retainer’ they are protected by the suit, hence stopping any foreclosure in process. The facts are that there are thousands of homeowners that are actually named in specific Class Action Law suits and they have lost their homes, but will eventually receive any where from a few hundred dollars up to several thousands of dollars, even (hopefully) tens of thousands of dollars. So how can any person be guaranteed these lotto winning like remedies when their names have not been accepted by the courts and added to the actual court documents by the presiding Judge?

One real solution available today that has effective and realistic results is a highly experienced federally registered non profit organization called Consumer Protection Assistance Coalition, a Non Profit Law Clinic. They not only truly assist consumers with Individual Law suits and Consolidated Group Law Suits in both state and Federal Courts with immediate attention to the individuals case with intent to offer settlement resolutions from inception but they also offer pre-qualification services for several permanent principal reduction programs while they perform an efficient Lender Fraud and Violation Analysis on your loan for FREE. All any concerned consumer need do is go to
www.CPACnonprofit.org and start the process for a free membership that will guarantee you many free consumer protective legal services and products as well as preferred pricing on typically out of reach legal services. CPAC Non profit Law Clinic is kind of a cross between a Legal Zoom, a Pre-paid Legal (w/ no payment) and an effective and efficient Attorney referral service since they have staff Attorneys trained in Mortgage Contract Litigation and Consumer Protection Civil Litigation for far less of a cost than most people think and many times with NO UPFRONT cost to the consumer experiencing hardship. If a simple Loan Modification is all one needs, CPAC Non Profit Law Clinic offers FREE Legal Loan Modifications but will also provide you with a FREE Lender Fraud and Violation Analysis Report while you wait to be Pre-qualified for various permanent principal reduction programs available that your lender will not tell you about. For free membership contact them at 866-773-7864 or visit their web site at www.CPACaid.org