STAF, Inc. - until every family is doing well©
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This report compiled, edited & partially written by
Dr. Christian von Christophers, Ph.D., N.D., D.D.,
The Founding President of Save The American Family - STAF, Inc., -not-for-profit-
(click) www.staf1org.weebly.com
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Only 1 out of 20 victims of cramming may be aware of cramming charges
The latest news is that T-Mobile has to pay 90 million (or more) U.S. dollars
including full consumer refunds to settle FTC mobile cramming case.
FTC = Federal Trade Commission
At the end of this blog you'll find added article links for most recent news relating to the cramming. Study the article to avoid fraud in the field
Article 1 of 2
For additional info, click the colored web links
The report below is an example of phone & related services. However, similar deceptive billing can happen and happens in many areas of common services.
The purpose of this blog report is to help you and millions of other individuals to become aware of these dishonest billing practices. Study your bill in details - contact consumer service government'offices for help and guidance as needed. Be alert & active - it saves your money. Spread this information to your friends.
“Cramming” is the practice of placing unauthorized, misleading or deceptive charges on your bill. Crammers rely on confusing bills in an attempt to trick consumers into paying for services they did not authorize or receive, or that cost more than the consumer was led to believe.
(1) Get the full picture in the CLICK: FCC 'Cramming' infographic
(also in .pdf).
(2) Also available CLICK: Tips for Consumers, 'Cramming' Backgrounder (.pdf)
(At the end of this report is a link to print out this whole material and keep it available
for you in your home or office)
How Does Cramming Occur?
In addition to providing local telephone service, local telephone companies often bill their customers for long distance and other services that other companies provide. If a local telephone company, long distance telephone company or another type of service provider either accidentally or intentionally places unauthorized, misleading or deceptive charges on your bill, you may have been “crammed.”
Cramming can also occur if a local or long distance company or another type of service provider does not clearly or accurately describe all of the relevant charges to you when marketing a service. Although you may have authorized the service, you did not understand or were misled about how much it would really cost.
Cramming Charges: What They Look Like Cramming comes in many forms and is often hard to detect unless you closely review your telephone bill. Charges described as follows can be legitimate if you authorize them but, if unauthorized, could constitute cramming:
- Charges for services that are explained on your telephone bill in general terms such as “service fee,” “service charge,” “other fees,” “voicemail,” “mail server,” “calling plan,” “psychic” and “membership;”
- Charges that are added to your telephone bill every month without a clear explanation of the services provided – such as a “monthly fee” or “minimum monthly usage fee;” and
- Charges for an authorized service, but you were misled about its actual cost.
The FCC’s Truth-in-Billing Rules
The Federal Communications Commission’s (FCC) Truth-in-Billing rules require telephone companies to provide clear, non-misleading, plain language in describing services for which you are being billed. Because one telephone company, usually your local telephone company, may include charges you incurred for another company’s service on your bill, the company sending you the bill must identify the service provider associated with each charge. If a bill contains charges in addition to basic local service, it must distinguish between charges for which non-payment will result in disconnection of basic, local service and charges for which non-payment will not result in disconnection. Telephone companies must also display, on each bill, one or more toll-free numbers that you can call to ask about or dispute any charge on the bill.
This information empowers you to protect yourself from cramming and other types of telecommunications fraud. It also helps you make informed choices when you shop around to find the best telephone service to meet your needs.
How to Protect Yourself and Save Money
- Carefully review your telephone bill every month. Treat your telephone service like any other major consumer purchase or service. Review your monthly bills just as closely as you review your monthly credit card and bank statements.
- Ask yourself the following questions as you review your telephone bill:
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- Do I recognize the names of all the companies listed on my bill?
- What services were provided by the listed companies?
- Does my bill include charges for calls I did not place and services I did not authorize?
- Are the rates and line items consistent with the rates and line items that the company quoted to me?
- You may be billed for a call you placed or a service you used, but the description listed on your telephone bill for the call or service may be unclear. If you don’t know what service was provided for a charge listed on your bill, ask the company that billed the charge to explain the service provided before paying the charge.
- Make sure you know what service was provided, even for small charges. Crammers often try to go undetected by submitting $2.00 or $3.00 charges to thousands of consumers.
- Keep a record of the telephone services you have authorized and used – including calls placed to 900 numbers and other types of telephone information services. These records can be helpful when billing descriptions are unclear.
- Carefully read all forms and promotional materials – including the fine print – before signing up for telephone or other services to be billed on your phone bill.
- Companies compete for your telephone business. Use your buying power wisely and shop around. If you think that a company’s charges are too high or that its services do not meet your needs, contact other companies and try to get a better deal.
Actions You Can Take if You’ve Been Crammed
Take the following actions if unknown or suspicious charges are listed on your telephone bill:
- Immediately call the company that charged you for calls you did not place, or services you did not authorize or use. Ask the company to explain the charges. Request an adjustment to your bill for any incorrect charges.
- Call your own local telephone company. Explain your concerns about the charges and ask your local telephone company the procedure for removing incorrect charges from your bill.
If neither the company sending you the bill nor the company that provided the service in question will remove charges from your telephone bill that you consider to be incorrect, you can file a complaint as follows:
- with the FCC for charges related to telephone services between states or internationally,
- with your state public service commission for telephone services within your state; and
- with the FTC for non-telephone services on your telephone bill.
Federal Communications Commission
Consumer and Governmental Affairs Bureau
Consumer Inquiries and Complaints Division
445 12th Street, SW
Washington, D.C. 20554.
What to Include in Your Complaint
The best way to provide all the information needed for the FCC to process your complaint is to complete fully the online complaint form. When you open the online complaint form, you will be asked a series of questions that will take you to the particular section of the form you need to complete. If you do not use the online complaint form, your complaint, at a minimum, should indicate:
- your name, address, email address and phone number where you can be reached;
- the telephone and account numbers that are the subject of your complaint;
- the names and phone numbers of any companies involved with your complaint;
- the amount of any disputed charges, whether you paid them, whether you received a refund or adjustment to your bill, the amount of any adjustment or refund you have received, an explanation if the disputed charges are related to services in addition to residential or business telephone services; and
- the details of your complaint and any additional relevant information.
For charges on your telephone bill for non-telephone services, file your complaint with the Federal Trade Commission (FTC). You can file a complaint with the FTC online. You can also submit a complaint by calling the FTC toll-free at 1-877-382-4357 (voice) or 1-866-653-4261 (TTY), or writing to:
Federal Trade Commission
CRC-240
600 Pennsylvania Ave., NW
Washington, DC 20580.
For More Information
For information about other telecommunications issues, visit the FCC’s Consumer website, or contact the FCC’s Consumer Center using the information provided for filing a complaint.
Print Out - Keep a copy at home & in office
CLICK: Cramming - Unauthorized, Misleading, or Deceptive Charges Placed on Your Telephone Bill Guide (pdf)
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Article 2 of 2
World's # 1 free advice website Successo-Pedia©
for all family matters, success, health, wealth &
for the good life - with free Q & A
- built by Save The American Family - STAF, Inc.,
-not-for-profit-
& by Dr. Christian von Christophers, Ph.D., N.D., D.D.
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This info will save nationwide/worldwide trillions in health care costs
This info will save YOUR health and save YOUR money
America & everyone worldwide must learn the #1 skill:
Healthy Lifestyle & Correct Nutrition
Avoid big food bills, big bellies & big sickness costs
That's like a free health insurance and better
Quotation:
"To stay healthy you need to eat what your body wants,
not what you want"
(Dr. Christian, STAF, Inc.)
STAF, Inc. has developed a new Healthy Lifestyle & Correct Nutrition Program for the U.S. government's & for every nation's use worldwide.
Totally it took 26 years to develop, first 19 years worldwide research & 7 years to modify it for everyone's needs. This program covers, for the first time ever, all necessary elements to get the lasting results in all family related challenges & in our rampant obesity, overweight & sickness levels. Its nutritional program leading to health & to a longer life is at the same time an automatic weight loss program: nothing to buy, no calories to count, no unreasonable portion control - eat as needed; just follow the easy instructions.
The best news is this: the correct, health-restoring & health-maintaining food with all necessary daily nutrients in the correct combination
costs ONLY about $95 per one (adult) person monthly.
The new STAF Plan guides you to buy your food ingredients in your local supermarket & prepare your food in your own kitchen based on the new, delicious recipes.
The bigger the family, the less $ per/person. Only a plan everyone can afford is a solution to the world's health challenges.
Your food expenses, time being, are probably many times more than in this new STAF, Inc.'s results bringing program. Everyone can afford this amazing program whether one works on the minimum salary or lives on the social security or similar.
The saved money this new STAF, Inc. program guides you to place in safe investments - STAF, Inc. endorses only a few investment adviser companies as reliable. With the saved money your family can create substantial wealth within time. Also a millionaire?
STAF, Inc.has 10 private services given a unique lifetime result-guarantee with only a one-time fee - see website.
(1) The STAF Healthy Lifestyle & Correct Nutrition Plan is
the most economical plan
in the U.S. and worldwide - only about $95 a month per one adult -
the bigger the family the less costs per one adult person.
Yet, the STAF Plan provides all nutrients any human needs in a correct, healthy, delicious manner and in fully correct proportions.
A healthy lifestyle & correct nutrition plan is good only if everyone working or getting government benefits can afford the plan. Most diet plans are so costly that those people who most need a result-bringing plan cannot afford following the plan. What good is that? Everyone working or getting the government benefits will and CAN afford following The STAF Plan because it will cost the least, much less than any other plan.
(2) Not only is the STAF Plan the most affordable but the STAF Plan has financial benefits embedded in its guidance.
In most families the food costs are (much) more than the new STAF Plan demands. The plan will guide to invest the saved money thus leading to a improved family economy - potentially also a millionaire level (not a joke, a fact).
No other plan does that. In STAF, Inc.'s website additional information relating to the investment program.)
(3) In addition to providing all healthy lifestyle & correct nutrition guidance the
STAF PLAN covers, for the first time ever, all necessary elements in strengthening the marriage & other family ties, in successful child raising, in teen age challenges and in other happy family related topics.
The STAF Healthy Lifestyle & Correct Nutrition program covers all factors needed for a healthy & a happy family life.
The new STAF Healthy Lifestyle & Correct Nutrition program will,
in a televised D.C. event, be introduced worldwide &
to The W.H., The President, The U.S. Congress & Senate.
STAF, Inc.'s presence is needed in D.C. in the U.S. Congress (House & Senate).
STAF, Inc.'s founding President is planning (1) to seek a seat in D.C. Congress/Senate to provide the necessary information to the D.C. lawmakers and (2) to establish a new federal agency, Healthy Lifestyle & Family Success Agency & to be named its first federal director. New legislation & training for all these matters are needed in a results-bringing manner.
STAF, Inc.'s slogan: Less suffering - more life™
Our website page tops have a link to study STAF, Inc.'s founding documents to see its mission statements and you can see them here also click: mission
Save The American Family - STAF, Inc., -not-for-profit, needs donations to widen its important work for your & your family's richer, healthier & safer future.
Two ways to donate:
(1) Mail any size of donation in any currency as paper money to:
STAF, Inc., P.O. Box 1555, New York, NY 10163-1555, USA.
Inside the envelope enclose your name & email address - STAF, Inc. will email you a tax deductible confirmation receipt.
(2) Use your credit, charge or debit card to donate - the card donation links at the end of this article and at the top of every page of this website. Your card record or card invoice is your donation receipt.
At the very end below & at the beginning above of this presentation the card links for your donation action.
Below you can also view the less publicly known facts how donating is beneficial to the donator, to you.
Fully 100 % of the donations will be used for STAF, Inc.'s help operations in reducing sickness & promoting healthy lifestyle nationwide & worldwide.
At the very end of this whole presentation you can view the less publicly known facts how donating is beneficial to the donator, to you.
We at STAF, Inc. want to know how you expect STAF, Inc. & this advice website,
in a longer run, to improve your & your family's life, or how it already has improved your life.
Let us know in your donation letter.
Listen to STAF, Inc.'s popular Radio Shows - you'll get free CEU & College-University credits nationwide or worldwide.
Visit STAF, Inc.'s extensive website - (click) www.staf1org.weebly.com
or search the internet with:
"Save The American Family - STAF, Inc.- Home" - (one 'F' in STAF, Inc.).
Respectfully,
Christian von Christophers, Ph.D., N.D., D.D.
STAF, Inc.'s President
Founder of Successology ® (Reg.U.S.Pat.Off.1991)
- The new science for the GOOD LIFE -
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Next below:
Annex for added information
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Want to get deeper knowledge &
become a professional ?
Public Health professionals are in demand
because it's more widely recognized that our good health and higher success in life is possible through our own action
A lifetime opportunity
Become a Certified Healthy Lifestyle Coach© (CHLC)™
Earn full-time or part-time income (1) in your private practice and/or
(2) by leading STAF, Inc.'s public & corporate seminars in the U.S. nationwide or worldwide in any country.
As a public health professional you will ease human suffering, guide your clients to avoid sickness and have good health. As a CHLC™ -professional you will also show how to maintain a happy marriage, how to raise successful children and how to become financially successful, even a millionaire starting only with $50 a month.
When you teach these most important success elements in life you will yourself apply the principles more effectively in your own life and succeed higher than you ever expected.
STAF, Inc. will train & certify you - online or in major cities nationwide & worldwide.
Get more information of this great opportunity - send your brief resume or CV and basic info: (1) country & location(s) where you are available to run STAF, Inc.'s seminars, (2) in what language(s), (3) your education & work experience, (4) links to your online presence and (5) one recommendation letter of your suitability for teaching work
(state the relation between you and your recommendation letter provider).
Inside the envelope include
your (1) postal mailing address, (2) your email address & (3) phone #
Write all material in English.
Mail to:
STAF, Inc.
Dept. CHLC ™ Program
P.O. Box 1555
New York, NY 10163-1555
USA
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STAF, Inc. is a not-for-profit organization and needs donations
Perhaps you could include in your resume envelope a donation of a size suitable to you. Your donation will ease human suffering nationwide & worldwide.
The U.S. paper notes preferred as donation but any currency paper notes are accepted.
STAF, Inc. will email to you a receipt for your donation.
www.staf1org.weebly.com
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STAF, Inc. is also in the process
of founding a new University
to provide high-quality education in the public health sciences and in all other STAF, Inc.'s work related science areas - which means: practically all areas of a successful life.
A few examples of the goals the new STAF, Inc.'s University will have.
STAF, Inc.'s goal and its new University's goal is to eliminate the modern killer-epidemics as overweight & obesity, widening smoking in developing countries & drug use worldwide and promote in a new manner nationwide & worldwide the importance of healthy lifestyle & correct nutrition in fighting disease and human suffering.
Also strengthening nationwide & worldwide family ties & traditional marriages to provide a safe, nurturing & healthy atmosphere for our children to grow up, belongs to STAF, Inc.'s and its new University's goals. So do teaching and training every school child to know how to grow financially successful through investments starting only with$50 dollars a month. The financial equality nationwide & worldwide can be substantially leveled for everyone's best in our nation and in every nation worldwide. These are some examples of the new University's goals. The goal is to teach the world to have a better quality of life.
It can only be done when we all start sharing the abundance in knowledge & riches.
The results will be beneficial to the givers and to the receivers. We all share the same planet and its overall health or sickness will affect the rich & the poor, thus affecting us all.
In the new University all degree levels will be available:
Associate, B.A., M.A., Ph.D.
Quotation
"Education is the most powerful weapon
which you can choose to change the world" Nelson Mandela Click
www.staf1org.weebly.com
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STAF, Inc. needs your donation
*to ease human suffering & turn lives to victory nationwide & worldwide*
Two ways to donate:
(1) Mail any size of donation in any currency as paper money to:
STAF, Inc., P.O. Box 1555, New York, NY 10163-1555, USA
or
(2) give your donation using your cards - see below
Relating to donations,
here interesting information not so well publicly known:
Giving donations will affect the giver, you, in a beneficial manner
The 3 statements next below are based on science studies (links given below)
(1) When you donate, YOUR self-efficacy will improve click: Self-efficacy
(2) When you donate, YOU get financially richer
(3) When you donate, YOUR physical & mental health gets better
The proof to these statements in these 3 links:
click: www.sciencemag.org (there click (left side): Abstract or Full text)
Click: Journal of Economics and Finance
Click: Fund-Raising Is Fun and beneficial for the giver
To study STAF, Inc.'s mission statements now for your donation purpose
click: mission
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Latest news article links
relating to scamming
Click the green title and study the info to avoid fraud and to see if you qualify for a refund
If the link has expired search the web with the title
- Click: T-Mobile to Pay At Least $90 Million, Including Full Consumer Refunds ...www.ftc.gov › News & Events › Press Releases
Federal Trade Commission - T-Mobile to Pay At Least $90 Million, Including Full Consumer refund... and the District of Columbia and $4.5 million to the Federal Communications Commission. “Mobile cramming is an issue that has affected millions of American ... ______________________________ Click: Federal Trade Commission | Protecting America's Consumerswww.ftc.gov/Federal Trade Commission _____________________________________