Season's Greetings Neighbor! I trust you had an enjoyable Thanksgiving with your family & are enjoying this beautiful mild December weather!
Enclosed are the September/October & November/December Neighborhood Watch Newsletters.
In addition, here is some information that the Elgin Police Department would like you to be aware of:
I. Avoiding Locksmith Scams
Hundreds, maybe thousands, of
locksmith scam artists are taking advantage of emergencies to rip off home and
auto owners across the United States. Some professional locksmiths even believe
the widespread fraud is part of an organized crime
operation.
According to the Consumer
Federation of America (CFA), which published its annual Top 10 list of consumer
complaints this past August, locksmith fraud is one of the fastest growing scams
in the nation.
The basic structure of a
locksmith scam is simple.
You're locked out of your car
or your home or you urgently need to change the locks on your property for any
of a number of reasons -- like securing it against previous occupants, or even a
divorced spouse.
You look up a listing online or
in the phone book and call up the supposed locksmith who subsequently grossly
overcharges you for the service. $1,500 or so is not uncommon for a service that
generally should cost around $150.
Sometimes, too, bogus
locksmiths can damage your property in the process of doing a botched job,
costing even more to put it right.
And with house door locks they
mostly can pick these, again using a special piece of
equipment.
You need to
check them out more carefully, even if your need is
urgent.
- Before even contacting them, check their ad and website for an address. Look for accreditation such as from ALOA (though a lot of genuine locksmiths are not members). Then check Google and directory listings for customer reviews.
- When you phone them, ask where they or their technicians are based (again, checking the address), whether they are licensed and what the registered name of the business is. End it here if you're not satisfied with the replies.
- Otherwise, still on the phone, ask what their preliminary estimate of the cost will be. Don't fall for an outrageously low price -- like $10 or $20. It's a sure sign of a scam or, at the very least, you'll end up paying a lot more.
- Tell the locksmith dispatcher you will want to see the technician's ID and certification, and that you want a proper written estimate from them before they start work.
- When the locksmith arrives, check out their vehicle. Make a note of the license number. Be very dubious if they roll up in an unmarked vehicle or if their behavior seems unprofessional in any way.
- Check the individual's credentials and repeat your request for a written estimate. If he declines after inspecting the job, don't proceed. If he says the lock will have to be drilled out, ask him to explain why, and consider finding an alternative.
- Don't hand over your credit card or cash until you are happy with the estimate. If they insist on cash, by the way, that's another potential scam signal.
Of course, the majority of
locksmiths in your neighborhood -- whether local businesses or part of a
national franchise -- are reliable, professional and
legitimate.
The important thing is, no
matter how urgent your need, don't be panicked into taking impulsive action and
ignoring the checks outlined here.
Failing to do that is
potentially a quick route to a locksmith scam -- and getting your pocket picked
instead of your lock!
Every day about 45 million spam text messages are sent to
cell phones in North America according to AARP Bulletin writer Sid Kirchhemer
and these texts could cost you around 20 cents for each one you receive if you
do not have a texting plan.
However, the real costs come if you RESPOND to
these micro messages about such things as free gift cards, cheap mortgages and
meds and claims you have urgent account problems at your bank.
70% of all cell phone text spam is designed to defraud you in
some way, compared to 10% of spam arriving by email is sent with that intent.
In 2012, cell phone spam often called “smishing” has tripled compared to 2011
while email delivered spam continues to drop.
Why? Cellphone text messages are fast, cheap, easy and
effective. The thieves use inexpensive, hard to track prepared phones to
transmit myriad text come-ons. When word spreads of the spam du jour, the
scammers simply toss the phones they are using and buy new ones.
What’s more, cell phone users are 3 times more likely to
respond to spam than computer users, ‘Because you always have your cellphone
will you, answering it becomes more of an impulse reaction”.
Here’s how to protect
yourself:
IGNORE instructions to text “STOP” or “No” to prevent future texts. This is a common ploy by scammers to confirm they have a live, active contact for more cellphone spam, and NEVER DIAL call-back numbers either. Forward texts to 7726 (spam on most keypads). This will alert your cellphone carrier to block future texts from those numbers. Anti malware software is available for many phones. The trade off may be reduced battery life so check with your service provider or phone manufacturer for recommendations. NEVER store credit card or account log in information in emails or notes on your cell phone. When you get a text promising you a $1,000 gift card, ask yourself, “Would anyone really give me that?”
Know too, that banks and other
legitimate businesses don’t send customers unsolicited texts.
To stay up to date with all that is happening in and around Elgin this holiday season, be sure to check out the new & improved City of Elgin Website. Also, you can visit the Downtown Neighborhood Association of Elgin's Website or like them on Facebook.
Have a Wonderful Christmas & a Happy New Year!
