NewsChannel5 Troubleshooter Joe Pagonakis' blog, "Joe Talkin' Trouble," will focus on the problems that the Troubleshooter unit is tackling. Joe will provide updates on Troubleshooter investigations. Read his latest entry here., Wednesday, January 7, 2009

I'm often asked by consumers if they should "hire an attorney". Today I had the pleasure of interviewing personal injury attorney Tim Misney. Tim says consumers/victim's should always balance the cost of legal fees against the possible outcome. Naturally, if someone took 500 dollars from you for a patio job and didn't do the work, hiring an attorney might not be the way to go, because the cost will likely exceed the 500 dollars your trying to recover.

An attorney is often needed when a legal judgement must be made on an issue that is either too complex or involves large sums of money that can't be handled by small claims court. If you want to file a civil lawsuit against an entity or person, you will of course need an attorney.

But many cases that come into the Troubleshooter Unit can be solved without the assistance of a lawyer. Communication is always key in solving issues with contractors and businesses that don't get the job done. As I mentioned earlier small claims court is perfect for most issues that involve less than three thousand dollars. Filing a complaint with the Better Business Bureau or the Ohio Attorney General has been effective for some consumers.

Or you can, of course call me :)

Tuesday, January 6, 2009

I paid a visit to my good friends at the Better Business Bureau today and they issued what they consider to be the top scams to watch out for in 2009. The top three are:

1) Never wire money. Scammers often require victims to use MoneyGram or Western Union to pay fees on phony sweepstakes winnings. Keep in mind, money transfer services are not able to retrieve wired funds.

2) Throw away checks from unfamiliar companies. They are counterfeit checks. Scammers want you to deposit them, and then ask you to wire the amount of money written on the check from you bank account. When the bogus check doesn't clear, then your left holding the loss.

3) Do not use advanced fee lenders. Deceptive advanced fee loan offers are all over the internet, and often require you to send advanced cash for the promise of a loan. Remember advanced fee loans are illegal in Ohio and should be avoided, especially if they ask for up-front money.

Stay out of trouble in 2009!

Monday, January 5, 2009

I'm giving plenty of advice today on News Channel 5 at 6, that will hopefully keep you out of trouble in 2009, when it comes to picking the right contractor.

Proper documentation for any home improvement job is key. First, you need to have a good contract, that lists the specific building materials that will be used for the job. The contract also must include, completion deadlines, and a detailed building and payment schedule.

The contractor must also have a proper building permit, be registered to do work in your city, have a bonding certificate, and workers compensation coverage documentation.

I know this is a lot of paperwork, but it must all be in place for your protection. My story showing you what these documents look like is posted here on newsnet5.com, on our homepage, or on the troubleshooter homepage. Happy New Year!

Wednesday, December 31, 2008

I'm working on case involving a couple who gave a contractor 600 dollars in up-front money for labor on the installation of a wood burning furnace. You know what happened next, the contractor took the cash, and now more than a year later hasn't done any work.

Consumers, you should never give a contractor up-front money for labor, no exceptions! Up-front money should be issued for supplies used on the job. If a contractor tells you he needs up-front cash for labor, that should be a red flag.

Happy New Year everyone, and keeping fighting back against trouble in 2009!!!!!!

Tuesday, December 30, 2008

I was in the city North Olmsted working on a story when I ran into a charity that had a table set up in front of a coffee house. The charity was taking donations to help find missing children. They were also offering free fingerprinting kits, so parents could have their children fingerprinted for identity purposes.

It seemed like a fine cause, and asked the clerk a few questions about how the money was being used. The clerk explained that he wasn't employed by the charity. Instead he was working for a marketing firm that was hired by the charity to collect donations. At that point, my Troubleshooter radar went into full alert.

I then asked the clerk, "how much of each donated dollar goes to the charity" and it's mission to find missing children? When he gave me the answer, I nearly fell over, just 5%! That's right just 5%. I asked the clerk if he tells donors this information before they hand over their money, and he said only if they ask me. Nowhere on the table was sign posted that stated just 5% of every dollar is going to the charity.

Keep in mind that what this marketing firm is doing, is totally legal. That's why it's critical that consumers ask how much of their donation will go to the charity, so they can make an informed decision on where their generosity should go.

Monday, December 29, 2008

I hope it was a wonderful Christmas season for you. I want to report some great news! It's deals with the story we did last week on the Salvation Army Zelma George Homeless Shelter. We profiled a homeless father, Mark Hall, and his 6 children. Mark and his wife lost their home in September after Mark lost his job.

Well now, I'm happy to report, that after our story, Mark Hall now has a job, and will hopefully move his family out of the homeless shelter sometime next month.

We thank the great people at the Boyd Funeral Home for give Mark employement, and I will do a follow-up on Mark and his family in January.

Friday, December 19, 2008

Here is the information, if your looking to give a donation to the Zelma George Family Homeless Shelter. The shelter is located at the Salvation Army Harbor Light Complex in downtown Cleveland, and is currently housing 25 homeless families, and 70 homeless children this holiday season.

You can call in your donation by dialing (216) 619-4676 and talking to Beau Hill, or by contacting George Woodworth at (216) 718-2475.

Or you send your checks made out to the "Salvation Army Harbor Light Complex". The address is Harbor Light Complex, 1710 Prospect Avenue, Cleveland, Ohio 44115.

My story on this great facility will air on Christmas Eve, Wednesday, December 24th, on News Channel 5 at 6. Don't miss it, I think it will make you feel great. Merry Christmas to all, and Happy Holidays.

Thursday, December 18, 2008

Oh it's the holidays! That means there are plenty of people on vacation, and that means I'm often asked to do fill-in duties in the newsroom. Today I have to anchor News Channel 5 at Noon, so unforetunately that means there will not be a Troubleshooter chat today.

Because next week is Christmas week, the Troubleshooter chat will not return until Monday December 29th, from 12:30-1:30 pm. Sorry about this my web friends. Hang in there, and have a blessed Christmas season.

Wednesday, December 17, 2008

Today I helped with coverage on the big Cleveland water main break at East 40th and Hamiliton. If your water service was interupted, then the Cleveland Water department has issued the following instructions.

Residents who lost water service due to the water main break should boil their water once service is restored. The effected area includes all of Downtown Cleveland and its surrounding areas.

Anyone in this area should follow the advisory to boil water before drinking, preparing food or cooking, or to use bottled water.

The Cleveland Division of Water anticipates that the advisory will be lifted approximately 4pm on December 18, 2008. If test results indicate that the boil advisory must be extended, then you will be notified.

For the purposes of this advisory "boiling" means holding the water to a rolling boil for three minutes.

In general, water used for bathing and cleaning purposes does not need to be boiled. However, care should be taken when bathing infants or small children that may allow some water into their mouths.

Allow boiled water sufficient time to cool before bringing into contact with skin.

For the latest information on the boil advisory, please call the 24 hour Water Department Trouble Line at 216.664.3060

Tuesday, December 16, 2008

Just a quick reminder that you should obtain at least 3 estimates for that up-coming home improvement project. Don't just sign a contract with the first contractor you meet, even if that contractor comes with some good references from family or friends.

The three estimate rule especially applies when the job will cost you 200 dollars or more. Also remember, the lowest price isn't always best. Keep in mind the materials that will be used for the job, the contractor's experience, and his track record as an established business.

Nothing is worse than signing a contract, and then later finding out that you paid top dollar, because you didn't take at least three prices for the job.

Friday, December 12, 2008

The Better Business Bureau is issuing a warning concerning a Craigslist rental scam that I wanted to pass along to you.

A Cleveland woman who was selling her home was quite surprised last week when her realtor called to ask if she was advertising the property as a rental. The home’s sale listing, complete with photographs, was posted on her realtor’s Web site. To her surprise, the listing and the photographs were also being advertised on Craigslist by “Dr. Jack Fred” as an available rental property.

A local consumer searching online for a home to rent found the Craigslist advertisement and decided to drive by the house to take a closer look. Upon doing so, he found the “For Sale” sign posted in the yard and called the realtor to see if the home was still available to rent.

The BBB e-mailed “Dr. Fred” posing as renter (who lived on Lois Lane and worked for the Daily Planet) who needed to relocate by the end of December. Within a couple hours, “Dr. Fred” responded:

“Thanks for the email. Yes, the house is still available and will only be given out to the right person that will take very good care of the place and the facilities. Well i must let you know that the house has a lot of facilities like hydro and heat laundry facilities, air condition, gimming (sic) facilities, internet and telephone access and a car park and other necessary facilities. I have really decided to give out the house deu (sic) to my transfer with the west Region of Africa where i got my New Job as a Medical Doctor. I will be giving out the house for $670.”

After completing a rental application form, we received another e-mail from Dr. Fred who, although a “Medical Doctor”, apparently does not excel in spelling or grammar:

“Am very exited and willing to let you move in as soon as possible cause there is no one living in the house right now and I have conclude on accepting payment for the security deposit which is $600 for you to secure the Home and move in when you are ready!!. The package containing the keys and documents of the house will be delivered to you through www.iship.com Shipping Company within 16 hours.”

We were instructed to wire $600 to “Dr. Fred” in Lagos, Nigeria. Our keys and paperwork would be shipped once the wire transfer was completed. Of course, if we had wired the $600, we would never have received the promised package. Our money, and “Dr. Fred”, would never be seen again.

Phony rental listings are not unique to Craigslist, they can be found on many online advertising sites. Craigslist even posts this warning on the page that listed the Cleveland rental property: Avoid scams and fraud by dealing locally! Beware any arrangement involving Western Union, Moneygram, wire transfer, or a landlord/owner who is out of the country or cannot meet you in person.

The BBB offers these tips:

1) Never wire money to an unfamiliar person or company to buy merchandise, rent property, obtain employment or for any other reason.

2) Report fraudulent online advertisements to the site on which they are posted.

3) If you are a victim of a wire transfer scam, report the details to the wire service’s fraud department.

4) Check out suspicious offers, report fraud and file complaints online at www.cleveland.bbb.org or call (216) 241-7678 (toll free at 800-233-0361).

Thursday, December 11, 2008

I just wanted to let you know that there will not be a Troubleshooter chat on Newsnet5.com today or on Monday December 15th. The live Troubleshooter chat will return on Thursday December 18th from 12:30 to 1:30 PM.

If you have a pressing question, you can e-mail here on Newsnet5.com, or fill out the Troubleshooter complaint form that is on my home page. Or you can contact the Troubleshooter hotline at 216-431-HELP.

Wednesday, December 10, 2008

In these tough economic times, the Better Business Bureau is reporting a greater number of door to door scams taking place in Northeast Ohio, during this holiday season.

I'm currently working on a case involving a bogus magazine offer out of Memphis Tennessee. It's a scam the BBB of Cleveland reports has already generated 45 complaints, involving a company by the name of "Greater Image". Sales people come to your house, claiming they are from another city, and that they are just trying to make a living for their families.

In each case the victims pay with cash or check, with the promise that the magazines of their choice will be delivered to their homes within 90 days. Of course that doesn't happen, and the phone number for the company listed on the contract is disconnected. The Memphis address for the company is a P.O. box, and the consumer is out of luck.

I always tell consumers that, for the most part, they shouldn't buy anything door to door. Consumers are caught of gaurd, so if you invite a sales person into your home, there is a safety concern here, especially if your a woman. Always asks plenty of questions, ask for identification, in some cities, door to door companies have to be registered. So call your city hall and find out.

Don't just accept a company phone number and a P.O. box address. Write down the sales persons name, address, and phone numbers. If they won't give you additional information upon request, that should be a red flag. And finally, don't let them pressure you to into making a decision on the spot. Legitimate companies will always give you the ability to call them later to place your order once you've had time to think about it.

Tuesday, December 9, 2008

Since your reading my blog, I want to tell you about a great resource that is just a few mouse clicks away, right here on my Troubleshooter home page. It's call the "guide to consumer services". It's really a consumer rolodex of web sites and phone numbers for some of the key agencies that can help you out.

The Better Business Bureau is listed, along with the Professional Remodelers of Ohio, The Cleveland Auto Dealers Association and more. Just remember it's there. Think of it as your own customer service phone book.

I'll continue to update this guide, and add to it as time goes on. Why? Well, because News Channel 5 is "on your side".

Monday, December 8, 2008

I'm working on a story about a woman who found shrimp shells in her ice cream bar! Foretunately she wasn't seriously injured, but she ask me how she should approach this situation.

I always tell consumers to take pictures of the evidence, make copies of the package wrapper and their sales receipt, and contact the company by phone and mail.

In this case the ice cream company thanked her, and sent her an envelope full of coupons and free merchandise. You shouldn't contact a personal injury attorney unless, of course, you have injuries. I'm talking about injuries that can documented by an emergency room visit, and a doctor evaluation, in writing.

But again, you should report your findings to the company, you may save another consumer some serious harm.

Friday, December 5, 2008

What are your rights, if the heat suddenly goes out in your apartment building or your rented house? I'm working on a case for 40 residents in the city of Shaker Heights, after a boiler problem left them without heat for 5 days.

I contacted the Landlord Tenants Association about this case, and the experts there say, as long as the management is trying to fix the problem, and provides an alternate heat source (space heaters), then they can't be given a violation.

Having said that, If your unit is also without hot water, or electric power for an extended period of time, then that could be a health and safety issue. Your city building and health department should be contacted, and an inspection should be performed. This situation could result in citation being issued, and the building owner could be ordered to put the tenants up in a hotel until the problem is repaired.

Thursday, December 4, 2008

So far this week, I have dealt with 5 cases involving contractors who have taken up-front money and then left consumers with no work performed. I mention this, because in each case the contractors seem like nice guys, but because of financial difficulties, they simply got behind.

Each of the contractors I talked to have now agreed to get on a "payment plan" to get the consumers their money back.

Now I'm not saying this a good excuse, but it does indicate how tough this economy has become. So as consumers you have to be even more careful when selecting a contractor, and when deciding how much up-front money to give them.

Wednesday, December 3, 2008

I want to give a quick mention to the great people at the Cleveland Play House. For years they have been providing high quality theater at family prices. This year they are presenting "A Christmas Story", based on the holiday classic movie with the same title.

News Channel 5 is proud to be media sponsor of "A Christmas Story", which will run at the Cleveland Play House through December 21st. The Cleveland Play House is loctade at 8500 Euclid Avenue in Cleveland, just down the street from the News Channel 5 studio's. Call 216-795-7000 to inquire about tickets to this special holiday event.

So, if you want to see some great theater, call the Cleveland Play House. If someone broke your "leg lamp" or hound dogs stole your Christmas turkey, then call me at 216-431-HELP, or log onto newsnet5.com and fill out my troubleshooter complaint form, and I'll try to find you a solution.

Tuesday, December 2, 2008

I just met a remarkable lady. She's 92 years old, and is so prolific, she finally stopped driving just 6 months ago. She contacted me because she has been waiting for the return of a 700 dollar security deposit for more than 3 months.

Management at her former apartment complex keeps telling her, "a battle among the owners has delayed the return of her money". I called managment and asked them "why does this lady, on a fixed income, have to wait, while the owners have a battle?"

State law is plain and simple on this one. Apartment management has 30 days to return a tenants security deposit, if there are no damage claims related to that apartment unit. In fact apartment management must add interest to a security deposit total for every day, after 30 days, that the deposit has not been paid back.

Renters, know your rights and fight back! I'll keep you posted, as I work for a "security deposit solution" to this case.

Monday, December 1, 2008

I love telling stories about consumers who get the job done because they don't give up. A Parma woman called me about an order she received from Columbia Sportwear. Yes, they got her order right, but inside the huge box was 8 other coats that were supposed to be shipped to a consumer in Vermont.

Being the caring person that she is, she contacted Columbia customer service to tell them about their 1-thousand dollar packing and shipping error. Columbia told her they would send a new shipping lable to get the coats to Vermont. But as you might guess, three weeks later and 4 additional phone calls, have still not produced a shipping lable.

She finally contacted me, and together we're taking care of this problem. This story and it's outcome, will air on News Channel 5 in a few weeks.

Not only is this woman wonderfully honest, but she didn't give up! That's why I often sign-off some of my stories by saying "keep fighting back against trouble". That's exactly what this lady did. Bravo!

Friday, November 28, 2008

Please don't give too much money up-front when booking that home improvement project. It's a lesson that I will continue to stress at least once a month.

I'm working on case involving a couple who wanted to install a wood burning stove in their home, to help cut thier heating costs. They gave the contractor, who operates out of Warren Ohio, more than 1-thousand dollars up-front for the installation. They also purchased the wood burning stove, but quickly found out that the contractor walked out on the job once he had their money.

The contractor took the cash and won't answer his phone. The couple also had to return the wood burning stove and pay a re-stocking fee. Now they've called me to try and track down this guy, who did not one stitch of work.

The lesson? Don't give any up-front money when it comes to "labor only contracts." Yes, you should give something up-front when a contractor has to purchase supplies for your job. But if a contractor asks for money up-front when it comes to labor, that should be a red flag.

Thursday, November 27, 2008

I just wanted you to know that there will not be an on-line Talkin' Trouble Chat today. My live chat will continue on Monday December 1st, on newsnet5.com starting at 12:30 pm.

I also want to tell you, that on this Thanksgiving Day, I am truly thankful for the opportunity to help you, the consumers of Northeast Ohio. Thank you to the hundreds of people I have met, and had the honor to try and help. Thank you to my management team here at News Channel 5, for their belief and support of the Troubleshooter Unit, and it's community effort.

Special thanks to my Producer Mel Watson and my Photographer Ted Kortan, for all that they have done to make this an Emmy award winning unit.

And finally, I know these are tough economic times, but I believe, giving thanks for what we have, creates a road of appreciation that will allow us to travel to better times ahead.

Happy Thanksgiving!

Wednesday, November 26, 2008

I've worked with plenty of great photographers in my 16 years here at News Channel 5. Today, one of them came to me with a problem over a water bill. Suddenly his bill was hunderds of dollars higher, after a new meter was installed at his home. I told him to take a close look at the readings on his new meter, and talk to neighbors to see if their water bills had suddenly spiked upward.

He's a smart guy, and called customer service. I told him to follow-up with another call to customer service, and finally, the water department discovered the new water meter was read incorrectly. His diligence saved him hundreds of dollars.

The lesson in this story? Always follow-up, if you know in your heart your right. Do your homework and keep accurate, detailed notes on your effort.

Customer service personel are not perfect, so keep fighting back against trouble.

Tuesday, November 25, 2008

It's seems like the heating season has come earlier than usual this year. So, I want to take the time to tell you about the "Energy Share" program that is now in it's eighth season with Dominion East Ohio Gas and the Salvation Army.

Those who are having trouble paying their heating bills and have a qualifying income level, can sign up for the Energy Share heating assistance program. Simply contact the Dominion East Ohio Customer Service Center at 1-800-362-7557, or call one of six Salvation Army Community Centers, to find out if you qualify.

Energy Share has already helped thousands of residents in paying part or all of their gas bills. You can also contribute to Energy Share, by calling Dominion or by adding a dollar or two dollars onto your next gas bill payment.

Energy Share is great way to make sure no one is left cold during this winter season.

Monday, November 24, 2008

It's always an exciting day for me, when I get the chance to host a live phone bank in the studio. Today on Live On Five and on News Channel 5 at 6 we'll be taking consumer questions "live" in our studio "A". It's our Troubleshooter Phone Bank of experts, on hand to tackle your trouble.

We'll have members of the Better Business Bureau, The Professional Remodelers of Ohio, the Ohio Attorney General's office and the Cleveland Auto Dealers Association, answering phone calls and giving out free advice. Dial 216-578-0300 for the BBB or the Attorney General, or 216-578-0301 for the Auto Dealers Association or the Professional Remodelers Association.

Tune in, give us a call. The call could save you some time, money or headaches.

Friday, November 21, 2008

If you have a consumer issue, and you think I can help, I want to remind you that there are a number of ways you can reach the News Channel 5 Troubelshooter Unit. First, you can call our hotline at 216-431-4397, that's 216-431-HELP.

Second, you can log onto newsnet5.com and fill out my compliant form, on my troubleshooter home page. You can also log onto newsnet5.com and join my live Joe's Talkin' Trouble chatrooms every Monday and Thursday from 12:30 to 1:30 pm.

Finally, you can contact me the old fashion way, write me a letter outlining your trouble. Send me copies of the documentation involved. The address is Troubleshooter, 3001 Euclid Avenue, Cleveland Ohio, 44115.

I'm easy to get a hold of, and I want to here from you!

Thursday, November 20, 2008

Today my Troubleshooter story involves picking the right company for snow plowing. The story airs on News Channel 5 at 6. What should you do?

1) Get a written estimate, this will lock in a price, and prevent a plower from suddenly increasing the cost.

2) Make sure you sign a written contract, including specific payment and plowing terms

3) Consider paying per "plow or push" as you go, instead of paying all up front for the entire winter season.

4) Get more than one phone number and address from your plowing contractor

5) Make sure the plowing company has proper insurance, ask to see the policy.

6) And finally, make sure the contract includes "spring cleaning". This means the company will be responsible for any plowing damage that is revealed when the snow finally melts.

Wednesday November 19, 2008

I have a quick warning about "associations" at apartments, condo's or townhouse communities. If you haven't throughly gone over your association agreement, please take the time to learn it, and fully understand your rights.

I'm working on case involving nearly 4 dozen residents who were facing collection notices, because their association president simply stopped paying the bills. The residents were even looking at having their water service terminated.

The story will air on News Channel 5, December 1st, at 6 pm. So you'll have "tune in" to see how it all turned out. But again, please read your association agreement, just so you know your rights, if things go wrong.

Tuesday November 18, 2008

News Channel 5's Troubleshooter Community Crusade sparked a huge delivery of food to Cleveland's St. Augustine Church today. I worked with Hoolihans Restaurants, Orlando Baking Company and Milano Monuments to come up with donations that resulted in the delivery of some 4,700 pounds of food to the St. Augustine food pantry.

This News Channel 5 effort started back on November 10th, when St. Augustine made a plea for help. Pastor Joseph McNulty told News Channel 5 reporter Paul Kiska, the church Thanksgiving Day Meal was in jeopardy, because the bad economy left the church thousands short in donations.

The church can still use some key donations. Please call 216-781-5530 if you can help in any way. My thanks to all the breat companies that made this holiday effort a success!

Monday November 17, 2008

This will be a busy week for the News Channel 5 Troubleshooter Unit. Today on News Channel 5 at 6, I'll tell you what you need to know before booking a special event, like a wedding reception or birthday party. We profile 6 couples who were cheated out of thousands of dollars when thier wedding reception plans went bust. The company they booked with, suddenly got out of the wedding business, and left them scrambling to make alternate plans.

Also this week, the Troubleshooter helps St. Augustine church in it's time of need. The church is way behind in it's food drive for the upcoming Thanksgiving feeding of the poor. The solution on Tuesday on News Channel 5 at 6.

On Wednesday, I give you some key information on picking the right snow removal company. And on Thursday, a big warning on a parking lot con game, that could save you big dollars and big headaches.

News and information you can use, all week, only on News Channel 5 at 6!

Friday November 14, 2008

I'm working with the city of Euclid on an investigation involving a local heating and cooling contractor. The case illustrates the importance of getting multiple price quotes for any home maintanance or home improvement project. Euclid city inspectors say the heating and cooling company has shown a pattern of charging senior citizens more than double the market price for typical jobs, like hot water tank or furnace replacement.

The biggest problem with this is that the heating and cooling company hasn't done anything illegal. The seniors in this case willingly signed contracts with the company, and the company performed the work. The seniors simply didn't do their homework , and didn't shop their jobs to other contractors.

So, when it comes to bigger projects that are more than just a couple of hundred dollars, I recommend that you take at least three estimates for a job. Remember the lowest estimate isn't always the best, but if you take three prices, then you'll at least have a ballpark idea of what the job should cost.

Thursday November 13, 2008

I received yet another case today that clearly points out the importance of making sure you are given a complete contract before you hand out your money for a home improvement project.

This time it involves a concrete driveway that is less than 2 years old, and is already starting to flake, chip and crack. I'm trying to help the homeowner in this case, but she signed a contract that had almost no specfics, when it came to performance. The contract didn't include a warranty of any kind, and didn't outline any gaurantee on materials. There were also no guidelines on what is considered acceptable wear and tear. It's basically like having no contract at all.

In this economy, consumers should not count on good work, and good service, simply on faith. Make sure you have specific quality guidelines in writing in your contract, before you sign. This is especially important when it comes to jobs that require volatile materials like concrete or asphalt.

Wednesday November 12, 2008

In these tough economic times, you might want to think twice before buying a "gift card" as a gift. The Troubleshooter Unit has received a growing number of complaints from consumers who are stuck with useless gift cards, because the business on the card has closed up, gone out of business.

In most of these cases, the cards are not being honored by other store locations or other businesses. My advice on this one is be careful when buying gift cards from small stores that are locally owned, they could be more likely to close in this sinking economy. Limit the amount of time you hang onto a gift card, use it within a month, if you can.

If you put a gift card in your wallet or purse, you could forget about it and it could expire on you, or it's value could diminish. The sooner you use the card the better. Be aware of the expiration date, and if there is a rate of devaluation, it should be listed on the back. If it's not listed, call the store and ask, especially if you plan on holding the card for more than 6 months.

Happy Shopping!

Tuesday November 11, 2008

A word of warning when buying your own supplies for that home improvement project. A woman from Solon called me about a failed tile installation in her kitchen that cost her more than 7-thousand dollars.

She purchased her own tile for the job at a cost of $1,100 dollars, and then paid a company $6,000 dollars to glue and grout the tile into her kitchen floor. But problems started almost immediately, more than a dozen tiles came loose, and the grout started cracking.

The company that did the work claimed the tiles were faulty, telling the consumer the webbing on the back of the tile wasn't deep enough for proper adhesion. The company offered to reinstall "good tile" at an additional cost of $2,000 dollar, but refused to give the woman a refund on the original $6,000 dollar installation fee.

The case is heading to small claims court, but how do you prove the problems were caused by "bad tiles" or by poor installation?

The lesson here? It may save you some money by buying your own supplies for a job, but it doesn't come without potential problems.

If you buy the supplies and it causes a bad installation, you may be responsible for the additional cost. Plus, most consumer aren't knowledgeable enough to make the proper selection. You can't buy supplies soley based on price and looks. The supplies and materials must, most importantly, be functional, otherwise it may cost you thousands in wasted installation costs.

Monday November 10, 2008

This tough economy could claim another victim, and it's a something I'm hoping you and the News Channel 5 Troubleshooter Unit can prevent.

I received a call today from Father Joe Mcnulty at St. Augustine Church, on West 14th Street, in Cleveland's Tremont neighborhood. Father McNulty came to me looking for help with this years Thanksgiving food drive for the poor. Father McNulty says the economy has severly reduced donations for the feeding of the poor this holidays season.

St. Augustine Church is short on food, at a time when there is likely to be more needy looking for meals. St. Augustine needs turkeys, can goods and any donations it can find to meet the growing demand.

I am working on this problem, but if you can help in any way, with food or donations, please call St. Augustine at 216-781-5530. I will follow-up on this story, and hopefully it will be a happy holiday ending in this time of need.

Friday, November 7, 2008

A complaint came into the Troubleshooter office today, from a blind man who depends on his pets for companionship. It's a tough case, because as it turns out, he's in violation of the apartments pet policy.

It's even tougher, because the former management team at the complex, let him get away with bending the rules. Now, there's new management in place, and he's being asked to part with some of his animals.

It's tough for me to tell a blind man, I can't help him, but his signed lease has the pet policy clearly stated in writing. The lesson? If your a pet lover, read the lease carefully before you sign it. Or be prepared to part with your furry friends if you get caught.

Have a super weekend!

Thursday, November 6, 2008

At times, it may be a tough decision, as to whether you should take that extended warranty on electronic items, both big and small. On occasion, it's even tougher to get the store to honor that warranty when you have a problem.

Currently I'm helping a Cleveland mother of two with the 4 year extended warranty on her big screen television. For seven weeks she was getting no real help. She spoke with 6 different service personel, and when the repair parts for her big screen were finally ordered, the parts delivered were burned out.

I helped her find a solution in this case, but I have to tell you, the woman involved in this story, played a major role. She kept fighting for a victory. She kept a call log on all phone calls she made to customer service. She wrote down names, times, dates, and details on what was discussed during each failed phone call.

She asked to speak to supervisors, she even contacted the companies corporate office. If you have your written warranty in hand and all the needed receipts, then you have the right to keep fighting.

Remember diligence wins the day.

Wednesday, November 5, 2008

Today my story on News Channel 5 at 6 deals with protecting your identity, and what you should do if you find personal information or documents belonging to someone you don't know.

I was told about dozens of identities found inside a local dumpster. The documents were loan applications from a now closed mortgage company, just left in the trash. The paperwork contained social security numbers, bank account information, birth dates and more.

It's a case that has sparked an investigation by the Ohio Department of Commerce. I brought in "All Ohio Secure Shred", to destroy the documents not confiscated by investigators and protect identities.

What should you do if you stumble upon someones personal information? If it's just a few documents, do that person a huge favor, and destroy them, preferably by shredding. If there are many documents, involving multiple people, report your find to the police, and they will take the proper steps to secure and shred.

Tuesday, November 4, 2008

It's election day! As of 1 pm, the weather is great, and so far no major problems at the polls. However, the News Channel 5 Troubleshooter phone bank, received nearly 500 phone calls from voters who had questions, concerns or problems. One of the problems that had the Troubleshooter team responding, was conerning a jammed ballot scanner at the West Park Slovenian polling location at West 130th and Bennington, in Cleveland. Without that scanner, ballots can not be verified. The call about the situation came into the Troubleshooter phone bank just after 6 A.M., and by 9 A.M. the scanner was repaired and up and running again. The Troubleshooter voter phone bank will be taking calls until 7 P.M. tonight. Give us a ring at 216-578-0300 or 216-578-0301, experts are on the phones to help you.

Monday, November 3, 2008

Just one day to go, before election day! Just a little warning. If you haven't voted early, the wait times could be extremely long. In some area's of Cleveland, the Cuyahoga County Board of Elections says it could take 3 hours or more to cast your ballot. Make sure you dress properly for the weather conditions, and wear comfortable shoes, you may be standing for quite some time.

Tomorrow I will be hosting a voter complaint phone bank here at News Channel 5. We will be taking your calls starting at 6 A.M.. I will be responding to those complaints, hoping to help the process move along smoothly.

Be patient, stay safe, and get out there and vote.

Friday, October 31, 2008

I received a complaint about Virgin Mobile, a cell phone company. A consumer in my chat room was talking about trying to get a refund from the company, but the customer service line was giving him no results.

My advice is to have consumers always ask for a "supervisor" when they feel they are not getting the attention they deserve. You can also get on-line and retrieve other phone numbers on the company's web site. Sometimes you can find other customer service numbers that will get you the right person.

Thursday, October 30, 2008

I received a letter from an Avon Lake woman who says she signed a lease with an apartment complex, only to later discover that 3 registered sex offenders are living in her building. She is a mother of two young children, and for her, this is a big concern. She believes that building management should have told her about the sex offenders prior to her signing the lease.

The ruling on this is that a landlord or building managemnt does not have to inform you about this situation involving sex offenders living in their building. It's up to the concerned parent to do some homework. In some cases a parent can log onto their county sheriff's department web site, and run a search on registered sex offenders. These searches are run by entering the apartment building zip code, and then carefully checking to see if any sex offenders are living at the apartment's mailing address.

Remember, once you sign a lease, your legally bound to live at that complex, unless there is a written out clause in the contract.

Wednesday, October 29, 2008

It's another big day for the Troubleshooter Community Crusade! The city of Lakewood has now joined Cuyahoga County in our effort to get troubled teens to give back to their neighborhoods. Today we will be shooting video tape in Lakewood, because it's court system will be working with News Channel 5 in finding community projects for juveniles that are serving a sentence issued by Lakewood judges.

If you have a littered lot or house in your neighborhood, if your church or community center needs a clean-up or help with it's food drive, please let me know! Log onto newsnet5.com and click on the Community Crusade icon on my Troubleshooter page. Send me your e-mail and digital photo's of the area you want help with, and I will forward them to the courts. If we take your case, News Channel 5 will then do a story on the teens efforts. The Troubleshooter Community Crusade, cleaning up neighborhoods, teaching teens an important lesson.

Tuesday, October 28, 2008

I really don't like being the "master of the obvious", but in the past 3 days, I have witnessed three rear end collisions on the roadways. Two of the crashes occured on I-71 southbound near the inner belt bridge back-up. With a snow, ice, slush mix starting to fall here in Northeast Ohio, please keep a safer, wider distance from the car in front of you.

Again the "master of the obvious" dictates that stopping distance will be significantly increased during this weather change, and how quickly we move to a "winter driving mind-set", could make the difference. Just a thought.

Monday, October 27, 2008

What would it be like to win a new vehicle on "the Price Is Right" game show? A woman from Mansfield Ohio can answer that question! She call me today, after she won a 2007 Dodge Nitro, back in April of 2007. Sounds like a dream, right?

Well it turned into trouble, when she tried to trade-in her prize for a mini-van. You see, she has 4 childern and a Dodge Nitro seats only 5 people. She was dealing with a Chrysler dealership in California, and picked the van over the internet. When the van was delivered from California to Mansfield, it was far less than she expected. The van didn't have power locks and other extra's she thought were included.

The lesson here? You have to be extremely careful when buying a vehicle on Ebay or any other internet source. This Mansfield mother, failed to ask key questions, and look closely at the vehicle description. If your dealing with a person or car lot that is "out of town" and not in driving distance, ask plenty of questions. Consider every detail, every option on the car should be "in writing" in the vehicles web posting. Look at the digital pictures, and request additional photo's, so you can see as many views of the vehicle as possible.

Personally, I'm not a big fan of buying vehicles on-line, but if you choose to do that, protect yourself! Make sure you understand the return policy, and get it in writing. In some cases, "the price is right", but if your not careful, the situation could be wrong.

Friday, October 24, 2008

I did a story today about voting early at your county board of elections. I profiled my photographer Ted Kortan, who went to the Cuyahoga County board on Euclid Avenue, in Cleveland, at 2:30 in the afternoon, and cast his ballot for the up coming November 4th election.

We were very pleased with the efficiency of the experience. It took Ted just 22 minutes to sign up, and vote, despite the rather lengthy 4 page ballot. The story is posted here on newsnet5.com, on my Troubleshooter page, check it out. We also have a link to all county board of election web sites on our Democracy 2008 page. You'll find locations and voting hours posted there.

Voting early, can save you time and headaches, think about it.

Thursday, October 23, 2008

I don't have to tell you that the shopping season is nearly upon us, which brings up questions from consumers about pricing. The question, "does a store have to honor a posted price when it is wrong and in my favor?" An example, a woman finds a dress that has a posted price on the tag and on the rack sign of $100 dollars. But when she takes the dress to the check out, the clerk rings it up at $120 dollars, does the store have to honor that price?

I called the Better Business Bureau about this one, and experts there say the store has no legal obligation to meet the posted price. However, the BBB goes on to say that a consumer should request a manager or clerk "honor" the posted price. You may be turned down, but the BBB says it is a consumers right to ask, since the store made a mistake. The BBB says many times a store will honor the posted price, when asked, because it's just "good customer service".

So by all means, ask for the lower price! Keep in mind, if a store repeatedly makes a mistake like this, then the BBB would like to know about this. This could be a "bait and switch" scheme, which is a violation of state law and should be reported.

Have a great shopping season.

Wednesday, October 22, 2008

It's a very exciting day for the Troubleshooter Unit. Today I'm launching the News Channel 5 Troubleshooter Community Crusade! We are working with the good people at Cuyahoga County Juvenile Court, putting teens to work out in the community. These teen are serving sentences, and as part of their "time" in the juvenile court system, they are giving back to their neighborhoods.

Starting today we will be asking News Channel 5 viewers and Newsnet5.com readers to send us their e-mails and digital pictures of places that need to be cleaned-up. We will forward those requests to Cuyahoga County Juvenile Court, and then do a Troubleshooter story showing these teens getting the job done.

Under the Troubleshooter Community Crusade, the teens can be used for trash or lot clean-up, sweeping and scrubbing at churches, community or senior centers. The teens can help out at food drives or soup kitchens for the needy. Just send in your requests with your digital pictures to Newsnet5.com, here on my Troubleshooter page. We need your pictures of the mess to post on Newsnet5.com.

The Troubleshooter Community Crusade! Let's do some good for all involved.

Tuesday, October 21, 2008

Are you dealing with a mold issue in your apartment or rented home? Are you having trouble getting the landlord or property owner to clean it up? I received a phone call today from a woman who rents a home, and says her children have been dealing with black mold in the basement for months. The homeowner has so far been unwilling to respond. What steps can be taken?

1) Call your city health or building department, and have them send an inspector to confirm the problem.

2) If it is indeed black mold, then the inspector should immediately issue a health or code violation to the owner.

3) Do not clean it up yourself. It's the home owner or management's responsibility, with the health inspectors advice.

Monday, October 20, 2008

Are you thinking about by buying a low priced (under $5,000) used car to get you through the winter. There are a few things you must consider when buying an "as is" car, that does not include a warranty.

1) Test drive the car before you buy, take it on the highway. Observe how the car accelerates, brakes, corners and shifts.

2) Have a qualified mechanic look at the car "on a lift" before you put your money on the line or sign that loan.

3) I wouldn't buy a used car that has a "check engine" light that is lit on the dash. This could cost you big bucks, and prevent you from passing an e-check and getting your license plates.

4) And finally, ask to see the cars actual title. The gold title, not the white bank title. I have had far too many complaints from consumers who buy a used car, and then it takes them months to get the title transferred. Make sure the "gold" title has been transferred into the name of the used car dealer your doing business with, before you sign that purchase agreement.

Make some checks before you buy, it could save you thousands!

Friday, October 17, 2008

I'm working on a story about a woman who did her homework when picking a contractor, and still got taken for a ride. She called the Better Business Bureau as part of her research, which is always a good idea. But she ended up calling the wrong BBB chapter and it cost her big time.

Her contractor operated out of the city of West Salem Ohio, but she called the BBB of Cleveland, and they had no report on the company. If she had called the BBB of Akron, she would have discovered the company had unresolved complaints. Now she's stuck in a court battle to get the nearly 20-thousand dollars back from this "fly-by-night" contractor.

The lesson here? Make sure you know what city your contractor is based out of. Get complete address information. Get all phone numbers, work, home and cell. And finally, make sure your calling the right BBB chapter. The BBB is currently working to combine data bases, but until then, make sure your calling the proper chapter.

Have a safe weekend.

Thursday, October 16, 2008

Nearly every week I get calls from consumers who are frustrated by their experiences in dealing with their "city hall". I'm currently trying to help a former fire fighter, who believes he should be allowed to use the city swimming pool for his badly needed therapy.

There are a couple of things to keep in mind. First, keep your cool, and make sure your talking with the person that can help you. Many times frustration develops because consumers aren't in the right department, or office when looking for help.

Your city councilperson is always a great place to start. Give your councilperson a call and tell them about your problem, and get some good advice on how to get your voice heard at city hall. This may also require you to present your case "in person" at a city council meeting. Be prepared and organized, so you can state your case before council, in an easy to understand fashion.

You can also file a formal complaint with the mayor's office. This will likely require you to put your case in writing. And finally, if you feel many other residents agree with your cause, you can take up a petition drive and submit the signatures to city council or the mayor's office.

Remember, keep it cool, be diligent, follow the rules and someone is sure to listen.

Wednesday, October 15, 2008

I talked to the Cuyahoga County Auditors office today about where consumers can get a copy of their current survey or "plat map" of their property. You should always take a close look at this important document before starting any home improvement project near your property line.

If you don't have a current survey of your property at your home, (it can usually be found with your mortgage closing papers or deed to your property)then you can usually get a copy of it at your city hall or your county engineer's office.

Remember, always check that property line survey before building a fence or a home expansion project. If it's a big project, or your not sure about the line, then it might be a good idea to get a new survey done before you dig.

Tuesday, October 14, 2008

Today I have a comment about the rights of companies that refuse to give services requested by consumers.

I'm currently working with a local church, that called a recycling company, and asked the company to place one of it's dumpsters in the church parking lot. The deacon of the church says the recycling company agreed to send him an application, so the church could join it's recycling program. Well, two weeks went by, and no application. When the deacon called the company again, the service director told him that she could not offer the church recycling services because the church was loacted in a "high risk" area. The service director went on to quote insurance survey results, that indicated there was too big a risk that it's dumpster would be vandalized.

As you might guess, the deacon was disappointed, and called me for a solution. I am currently talking with the recycling company, to see if it would reconsider it's position, especially since it allowed a dumpster at small school, just a 1/2 mile away.

The lesson here is that private companies can refuse service, and in many instances, it's perfectly legal. In this case, the recycling company has the legal right to refuse service to the church. A pizza shop has the right to limit it's delivery radius. A trash pick up company has the right to refuse service to a household just outside it's coverage area, and so on.

I only took this case, because the recycling company agreed to send an application, even after it knew the address of the church, and then two weeks later refused to give service. I'm hoping the recycling company will reconsider, because the recycling program at the church will fund importnat programs for children. I'll let you know, how this one turns out.

Remember, if your refused service because of posted policy or perceived liability, don't take it personally, and move on.

Monday, October 13, 2008

More people are turning to "wood burning" as a primary or secondary way to heat their homes. That means there will be a number of first time wood buyers, who need to make sure they are getting what they paid for.

I'm working on case for a man who lives in Newbury, who says he was short changed when he purchased 4 "cords" of wood. Which leads me to the question; "how much wood is in a cord?"

The simple answer is a neatly stacked cube of cut wood that measures 4 feet high by 8 feet long by 4 feet deep or wide. A "rick" of wood, or a "face cord" is only about 1/3 of a cord, and measures 4 feet high by 8 feet long by about 16 inches deep or wide.

Keep in mind, this is a rough measurement, and wood can be stacked in different ways. So if your within in 5 to 10% of this standard, you really shouldn't raise a stink about a few logs here or there. Burn Safely.

Friday, October 10, 2008

Is a "lifetime warranty" really meant to last a lifetime when it comes to replacement windows? It's a question being asked by a Brunswick woman I'm trying to help.

Remember, a lifetime warranty is only good while the window company is still in business. That's why I always say, "when it comes to replacement windows, it's almost always better to do business with a local company, that produces the windows locally." This will give you a better chance to get the service they promised you.

Have a super and safe weekend!

Thursday, October 9, 2008

I'm working on a story involving a neighborhood association, that has left dozens of families with unpaid bills and collection notices. This neighborhood is located in the city of Medina. The members (detatched cluster complex)had been paying their association dues, up until they received notices that their water bills were not being paid. The association is supposed to pay the water bills, insurance bills for the neighborhood and property maintenance. The neighborhood contacted me after repeated attempts to reach the president of the association failed. The Medina water department has threatened to shut the water off at the complex by November 1st if a 700 dollar balance isn't paid.

This is tough situation. It reminds us all to periodically check the financial health of our "associations" by asking plenty of quetsions. I'll let you know how this case turns out.

Wednesday, October 8. 2008

I'm fighting a nasty cold today, I hope the day finds you well! Oh, the merits of my mother's chicken soup.

I want to pass along a huge thank you to the Eastlake Police Department, and it's weeks of effort in helping to get three dozen seniors long awaited refunds. More than 40-thousand dollars is being returned, after the seniors booked a failed trip to Colorado. The Troubleshooter team took the case 5 weeks ago, and at the same time Eastlake investigators were taking their own measures to get the travel agency to pay up.

Since I've been the News Channel 5 Troubleshooter, I have noticed far to often, that law enforcement and prosecutors don't take financial crimes as seriously as crimes of violence. But I've seen first hand how finacial crimes can destroy a person, or a family, in some cases, as much as a other types of crime.

That's why I tip my cap to the men and women of the Eastlake Police Department. They have made a difference in the lives of three dozen families. Bravo!

Tuesday. October 7, 2008

I took a little driving test today, to see if there is any real way around the inner belt bridge project, as you make your way into downtown Cleveland from I-71 North or I-90 East. Many have been talking about the merits of using I-490 East to I-77 North, but just how much time can you expect to save, (if any) using that detour, if your trying to make it to work by 9 A.M.

My photographer Ted Kortan and I ran a very unscientific test today. We met at West 150th. He drove his News Channel 5 van and I drove my SUV, only he took the inner belt to the News Channel 5 studios and I took the I-490 detour. We followed the posted speed limits of course, and I made it to work more than four minutes earlier. If you haven't tried the I-490 detour and your coming to downtown Cleveland from I-71 or I-90, give it a try.

The extended video coverage of this "driving test" can be found right here on Newsnet5.com. Just click on the Troubleshooter icon on the right margin of our home page. Drive safely and make it a great Wednesday.

Monday, October 6, 2008

Renters! I received a great question during by Monday Talkin' Trouble Chat. Rosa asked me; "Joe, can my landlord enter my apartment any time he wants?' "He and I are in the midst of a court battle."

Rosa, Ohio law makes it clear your landlord can enter your unit, but there are restrictions. First, the landlord must give you 24 hours notice before he or she can come into your apartment. The notice does NOT have to be in writing. The landlord must visit your apartment during "normal" hours, usually between the hours of 9 am to 6 pm, and the landlord can not be harrassing in his approach.

The only other exception, is during an emergency. Keep in mind, if the landlord smells smoke or water is pouring through the bottom of your front door, he can kick down the door for the safety of all involved.

Friday, October 3, 2008

A quick warning about those home improvement projects that are being constructed "on" or "near" your property line. I'm working with a Strongsville couple that's been dealing with an eroding retaining wall along their property line. They say the city of Strongsville promised them it would take care of this decaying mess, but now it turns out, the retaining wall is on a neighbors property. The city is trying to get approval from the neighbor, but the project has stalled.

The warning? Before you build a fence or anything else along your property line, make sure you take a look at a current survey(overhead map showing property lines) of your property. You'll need to call city hall or your township government to see your survey, if you don't have one at your home. It's best to check before you build, because if your over the property line, it could cost you time, money and perhaps even a legal battle.

Thursday, October 2, 2008

Today I received great news on case I have been working on for a Case Western Reserve University student. A local used car lot promised him a 21-hundred dollar refund on a vehicle that turned out to be nothing but trouble. The car was purchased "as is" with no warranty.

I applaud this student, because he got the refund promise "in writing". I did a little pushing and the student got his money back.

Remember, when you buy a car "as is", your stuck with the consequences, no matter what happens. So, if your looking at used car, give it a test drive, have a mecahnic look it over, and at least, ask for a 60 day drivetrain warranty, to protect you from quickly occuring catastrophic repairs.

Get it "in writing", drive safely and remember I'm On your Side!

Wednesday, October 1, 2008

I want to mention that I will not be having my usual "on-line chat" this Thursday (October 2, 2008)on Newsnet5.com from 1 to 2 PM. Instead, the News Channel 5 Investigative Team, will be making a financial expert available to answer your questions, on Newsnet5.com during that time slot. As you might guess, questions, concerns and fears are growing during this Wall Street/bailout controversy. So, log onto Newsnet5.com tomorrow from 1 to 2 pm and get some answers in a live chatroom.

My normal Joe's Talkin' Trouble chat will return on Monday from 12:30 to 1:30 pm. Keep fighting back against trouble.

Tuesday, September 30, 2008

A warning about parking in downtown Cleveland, especially if it's for a "special event." I'm working with a group of people who fell victim to a "parking scam" while attending the recent Celine Dion concert at Quicken Loans Arena. They paid 20 dollars to park at a lot next to the arena. They were ushered into parking spots (that were not traditional spaces) by two young men wearing bright orange emergency vests, who collected their money, and did not give them a parking receipt.

When the group (who drove in 5 separate cars) came out of the show three hours later, their cars were gone! Their vehicles were towed, and a citation issued for parking without paying. Each vehicle owner was charged 152 dollars for the tow and the trouble. As you might guess the concert goers were victimized by crooks who were posing as parking attendants after the lot was full, and the real attendant left for the evening. I'm working on a solution for the victim's, a case that will be airing on News Channel 5 at 6 on October 22nd.

This parking scam is happening every week in downtown Cleveland, especially when there are special events at the "Q". So beware. If an attendant doesn't give you a receipt that matches the name of the parking lot, that's a red flag. Ask the attendant for identification, to prove he's an employee of that lot, before you hand over your money.

It's a scam I fell victim to 3 years ago, while parking in the Cleveland warehouse district. Stay aware, so this doesn't ruin your evening.

Monday, September 29, 2008

I'm working on a case that once again proves that "you shouldn't pay all of the money up front", if you can avoid it. The story centers on about three dozen senior citizens, who paid thousands "up front" for a Colorado Bus/Train trip. Now I know when it comes to traveling, most of the time, some of the time, you have to pay in full. But you should try to avoid it when you can. The long and short of the story, is that the trip was not booked on time by the travel agency, and now the seniors are still waiting for refunds months later.

Never fear, I find a solution to this "train trip trauma", tonight on News Channel 5 at 6. But the lesson here, as usual, is to avoid paying too much upfront. This way it will hopefully be easier to get a refund, if needed.

Friday, September 26, 2008

I'm writing today's blog in advance, to give you more information on my troubleshooter story that aired Thursday on News Channel 5 at 6, concerning a growing number of vacant and foreclosed homes. Neighbors who are dealing with these eye sores in Cleveland can call the Cleveland Neighborhood Development Coalition at 216-928-8100. Or you can log onto their web site at www.cndc2.org. This organization will help you reach the neighborhood association in your area.

These neighborhood associations (and there are more than 50 of them) have been helping neighbors get vacant homes cleaned up, and are a great reasource. Give them a call, before you have to call me.

Thursday, September 25, 2008

A quick word about buying ticket packages for pro sports teams. Many times you can negotiate with the ticket agents when it comes to seating, what games, what dates. I got an e-mail this morning from huge fan of one of our pro teams. He explained his disappointment, when he was promised he would be given 2nd and 3rd row seats for certian games, and then when he went to book the order, he was told those seats were no longer available.

I'm try to help this fellow, but keep in mind, if a ticket agent promises you certain seats, get that promise in writing. Have the agent e-mail you the offer. If the offer later changes, then you can go to the agents boss and show the boss the offer in writing. Many times that will force the sports team to live up to it's promise.

Or, of course, you can e-mail me, or give me a call! I have a pretty good batting average :)

I'm chatting live here on Newsnet5.com, today (thursday) from 12:30 to 1:30 pm. Stop by, let's talk solutions!

Wednesday, September 24, 2008

I hope your having a great week. Got a complaint today from a woman who suddenly discovered she was a victim of counterfeit money. Listen to this, she went to small store in Parma to cash-in on some lottery tickets. It's was $119 dollars in winnings, and the clerk gave her a $100 dollar bill, a ten, a five, and some singles. Well you guessed it, the 100 dollar bill turned out to be counterfeit. She took the bill to her bank, and the bank teller gave her the bad news, confiscating the money, contacting federal investigators. The lady was out 100 dollars! The woman went back to the store that gave her the bogus bill, but they told her it wasn't their responsibility.

The lesson here? If your cashing in on lottery winnings in the 100-200 dollar range, try to avoid getting 100 dollar bills. Police say 100 dollar bills have a higher chance of being counterfeit. If your going to be taking in bigger bills on a regular basis, it might be a good idea to keep one of those marking pens in your purse, that can quickly check the authenticity of a bill.

Remember, once a bill is passed on to you and you accept it at the store, it's your loss. If a bank takes in a bad bill from you, and they catch it. it's still your loss. Protect yourself!

Tuesday, September 23, 2008

I spent the day shooting key stories on identity theft, a pee-wee football leauge that hasn't granted refunds, and fighting for the rights of a fire fighter who was injured on the job. But, the story that struck me the most, involved a college student, who bought a used car, and is now still waiting for a refund. He bought the car, and paid in full, without first seeing a title for the car, or a bonifide e-check certificate. Remember, if your going to buy a used car, that has no warranty and is purchased "as is", ask to see the actual title of the car, before you hand over all of the cash.

Also if the "check engine light" is lit on the dash, have the dealer fix the problem or show you an e-check certificate, verifying the car passed it's emissions check before signing a deal, and giving up your hard earned dollars. Protect yourself, especially if your paying for the vehicle in full.

Monday, September 22, 2008

Today I'm getting e-mails about troubleshooting the Cleveland Browns! Sports fans, I appreciate your confidence in me, but as you might guess I have no quick solution to this one. This matter is in the hands of much more qualified minds, so please don't feel snubbed by my lack of a creative response.

On to a much more pressing subject; the problems created by the growing number of home foreclosures. This week I will be dealing with an abondoned, unkept home on Cleveland's near west side. Residents have been trying to get this "eye sore" cleaned up for months. A case which begs the question; "what can a resident do if an abondonded foreclosed home is littering their landscape"?

First, and as always, contact your council person. Your council person will always be your best liasion to city services. If city council doesn't promote your cause to the housing department, ordering the home owner to clean-up, then go to housing inspectors directly. Demand the home be given code violations, even if the home is now owned by a bank.

Finally, if you live in the city of Cleveland, contact you neighborhood association. The people at these associations have done an excellent job in trying to preserve the integrity of neighborhoods during this housing crisis.

Friday, September 19th, 2008

I received an interesting question in my "Joe's Talkin' Trouble" chat just yesterday. A woman asked me about consumer rights, when it comes to service work at your home. She asked.... "Joe is a service person required to tell me the amount they will be charging me, before they start the job?" Under the Ohio Home Solicitation Act, a service person that comes to your house, is required to tell you the cost upfront. But, I wouldn't rely on that.

You should ask for the cost upfront before you have that carpet cleaned or air ducts vacuumed. No matter what, you should always ask "how much is this going to cost?" I know this sounds obvious, but you would be surprised how many consumers don't ask, and are then shocked by the bill! You should always get the amount "in writing" before the job gets started. This way you'll be protected, if the job goes over budget, and they don't inform you first.

Remember my Joe's Talkin' Trouble chats are every Monday, 1-2 pm and Thursday's 12:30 to 1:30 pm, right here on Newsnet5.com. Have a safe and sound weekend!

Thursday September 18th, 2008

Thousands of people here in Northeast Ohio, have lost hundreds of dollars in food. Food that became spoiled due to the numerous and extended power outages. What some of these victims may not know, is that their food loss may be covered by their homeowners insurance policy.

It's worth a call to your insurance agent, to see if you are covered for food loss due to an outage. I was surprised to find, this past monday, that my insurance policy has this coverage under the "enhancements" section of the policy. In most cases this "enhanced coverage" is not subject to your deductable, carries a 500 dollar limit, and will likely not effect your premiums.

So give your agent a call before you go grocery shopping.

Wednesday September 17, 2008

Today I'm working on a story concerning identity theft. It's a problem that struck 8.1 million Americans last year alone. To help with this growing problem the Better Business Bureau, and media outlets, like News Channel 5, are promoting "Secure Your I.D. Day", this coming Saturday, September 20th. You can bring three garbage bags or three boxes of your unwanted personal documents, to the RadAir Care Care Center on Detroit Road in Westlake, and get them shredded free of charge. A shredding truck with "All Ohio Secure Shred" will be on the scene from 10 am to 2 pm.

It's a great way to clean out your house and secure your identity. Plus free donuts provided by Krispy Kreme!!!!! My story on "Secure Your I.D. Day" will air tomorrow (thursday) on News Channel 5 at 6.

Tuesday September 16, 2008

I want to let you know what happened to the News Channel 5 Troubleshooter unit over the weekend. On Saturday night, my team was awarded a regional Emmy Award for community service, by the National Acedemy of Television Arts and Sciences.

It was a big night for my Producer Mel Watson, and my Photographer Ted Kortan. They have worked so hard over the past year to make this important honor a reality. Our unit takes in more than 500 requests for help every week, and since the unit started 16 months ago, we have solved more than 250 cases.

I'd like to thank NATAS President Gary C. Manke, Dianna Kall, Steve Kurrent and the entire NATAS board for putting on such a great event. Fellow WEWS investigators Duane Pohlman, Ron Reagan, Jen Brockman, Dorian Thompson, Julie Roy, Dave Arnold, and Dave Hatala also received Emmy awards for their tireless work.

But in the end, none of this would be possible, without you the News Channel 5 viewers and our Newsnet 5 readers. The thousands who put their trust in us everyday. Who come to us for help in solving their problems. For the Troubleshooter team, that will always be a cherished honor.

Monday September 15, 2008

Hurricane Ike, what a pain. I have about 4 hours of clean-up at my house, how about you? First, I want to appologize, I will not have my usual 1 to 2 pm chat today. As you might guess, I have been assigned to storm relate clean-up stories, as thousands deal with extended power outages, lost food, downed trees and home damage.

Today on News Channel 5 at 5 and at 6 I will be live in Lorain county as the people there clean-up. I will have the latest information on how long food can last in your refridgerator without power, and insurance claim information when it comes to home damage. Keep in mind, the USDA says, food can be refrozen if there are still ice crystals on the meat or frozen items.

A complete list from the USDA, will be posted on Newsnet5.com, on what food can be saved and what should be discarded if it's kept over 40 degrees for more than 2 hours.

Friday September 12, 2008

Photographer Ted Kortan and I spent the entire day on the road. We worked on cases involving a sagging retaining wall, a senior citizen's bus trip that went bust, a builder that isn't getting the job done, and a sub par auto repair shop. As I'm sure you know, it rained all day, what a mess. But we made great progress on all four cases.

The auto repair case involves a 65 year old woman who paid more than 400 dollars to have new shocks put on her car. However, the mechanic didn't replace the shocks as he stated on his invoice. Instead he welded the suspension, and then put the old shocks back on the car.

That's why I always say, it's a good idea to ask the mechanic to show you your "old parts". It's your right as a consumer to ask for the old parts that were taken off of your vehicle. Asking to see the parts that were replaced, will help insure the mechanic did the work, and then he can show you why your old parts wore out.

If only it were that easy when it comes to the parts on our bodies! Have a great weekend!

Thursday, September 11, 2008

First, my thoughts and prayers are with the victims, survivors and families of the 9/11 attack. My problems, and all the problems I try to solve here at News Channel 5 seem so small against the backdrop of the commemoration of the attack.

Today was the first day for my Thursday live chats on Newsnet5.com. I conduct live chats on Mondays from 1 to 2 pm and now on Thursdays from 12:30 to 1:30 pm. Today's Thursday chat was brisk, I could hardly keep up. Perhaps I should take some typing lessons. Anyway, it's been a learning experience, and a privilage to take your questions in cyberspace. Come in and visit, and may all your problems be small.

Wednesday, September 10, 2008

I hope things are going well for all of you today. I'm working on a case involving some wedding woes, produced by a company that is located in Canada. A Streetboro woman ordered a dress back on April 15th, because her daughter is getting married this coming weekend. Naturally, when you order a dress 5 months in advance, your thinking you have plenty of time for the dress to come in. The woman ordered the dress from a local bridal shop, but she made one key mistake, and was then was forced to call me, when the dress still hadn't arrived just 12 days before the wedding.

Remember, when you order a dress from a local shop, that doesn't mean the dress is always being produced locally. You should always ask the local shop if they are sending your job "out-of-state" or even out of the country, especially if they are producing an item that needs to be "on time".

If the local shop tells you your job is being sent to Greece, may be you should take your business somewhere else. By the way, I made some calls and sent e-mails to Canada, and just 10 days before the wedding, the mother of the bride received her dress. Here's to hoping the wedding goes well! See you tomorrow.

Tuesday, September 9, 2008

Today I'm helping out the Cuyahoga County Board of Elections with voter education when it comes to voting by mail. The board just sent out 900-thousand "vote by mail" applications to Cuyahoga County voters. If you live in Cuyahoga County, then your application should have been in your mail box a couple of days ago.

If you follow the simple instructions, and send in your application (using the postage paid envelope) in the next two weeks, then you'll be getting your November 4th ballot in the mail, by the begining of October. I think it's a really good deal, since most experts believe the November 4th voter turn out will be the largest in Cuyahoga County history! Voting by mail has it's advantages. First, you can avoid long lines at the polls, and the chance of dealing with bad weather.

Perhaps more importantly, you can spend some time with the ballot, and do some research, before you make your selections, all of this from the comfort of your own home. So consider voting by mail this year. You won't have to get up so early in the morning, and you may make better choices with your all important vote.

By the way I'd like to put out the word that the Cuyahoga County Board of Elections is still looking for qualified workers to help them on election day. So call up the board if your interested. As always I'm "on your side". Talk to you tomorrow.

Monday, September 8, 2008

Happy Monday! Lets talk about getting refunds on airline tickets that aren't used because of a medical excuse. First, this is always going to be a tough task for a consumer. All of the airlines require a letter from your doctor explaining the medical issue, and most of them will not give you a refund unless the medical situation is so serious, it will prevent you from flying indefinetly. Second, keep in mind that airlines will rarely give cash or a credit refund, they will only issue vouchers for future flights. Remember those vouchers generally expire within one year of their issue date.

So, with that being said, it is always important that you completely understand the refund policy before you buy those expensive tickets!

Friday, September 5, 2008

I'm really feeling great today, because I just took a call from a woman who represents a group of 80 tenants at a local apartment complex. The group contacted me after they say apartment mangement wouldn't do anything with a tenant who allegedly attacked three women at the complex. Police reports were taken, but so far no charges filed. This is not something I usually handle, but I contacted apartment management, and today I found out this "suspect" moved-out, at the request of management. However, I really feel our Troubleshooter team doesn't deserve all the credit in this case.

The group of active tenants involved in the case, took up a signed petition drive, and worked as a group. I think this is good advice when it comes to many types of issues, especially when it comes to apartments. So remember, keep it civil, and there is always strength in numbers.

Thursday, September 4, 2008

I'm working on a story involving the city of Akron's vicious dog ordinance. Akron is requiring that pit bull owners carry a "special" insurance policy, before they can register their dog and obtain a license. My story involves an 8 year old boy who was bitten in the face by a neighborhood bit bull. The attack cost the boys family more than two thousand dollars in medical bills. The dog was licensed by the city of Akron, so it's owners should have had the proper insurance. But when the boys mother tried to file a claim with the neighbors insurance company, she was denied. It turns out the pit bull owners did not have the proper "special insurance rider" for pit bulls built into their policy.

I took the case, and the Akron city prosecutor took action, filing a host of charges against the dog owner. The boy will likely be scared for life and his parents had to pay for the medical costs. This case may be heading toward a civil lawsuit. The lessons in this case? It's important that you check with your insurance agent from time to time to make sure you have the coverage you think you have.

You should also shop your insurance coverage every two years, not only for price, but also to make sure the coverage is adequate. By the way, insurance companys say pit bulls are not the dog most likely to bite. According to statistics the "chow" has that dubious honor.

Wednesday, September 3, 2008

A quick word today when it comes to paying beverage taxes in Ohio. When your at the store or sitting in the drive-thru for a quick meal, when should your beverage be taxed? The simple answer, according to state law, is items that are considered to be "food" are not taxed. That means items like; bottled unsweetened water, ice sold at the grocery store or gas station, fruit or vegetable juice with fruit or vegetable content of more than 50%, chewing gum, breath mints and sweetened beverages that contain milk, or a milk substitute are NOT taxed.

However items that are considered to be "soft drinks" are subject to state tax. The assumption by some consumers is that "soft drink" status is whether or not the item is a carbonated drink. That is incorrect! A "soft drink" is now determined by whether it is sweetened in any way, and that includes artificial sweeteners. That means all these new drinks, like non-carbonated energy drinks are taxable according to Ohio law. Coffee or tea with a sweetener is now considered a soft drink, so they too are taxable. However if you order plain coffee or tea, it is considered food and not taxable.

So, add your own cream and sugar in your tea or coffee, and skip the tax!

Tuesday, September 2, 2008

Today I was working on a story concerning "how to pick the right auto mechanic". This is not an easy task, but there are a few tell tale signs that will give you a better chance of making the right selection. First, look for the proper certifications. The National Institute for Automotive Service Excellence or ASE is a good place to start. Mechanics must go through a rigorous testing process to get their ASE certification, and learn plenty about customer service. But, perhaps the best certification, is the AAA Approved Auto Repair Program. Repair shops with AAA approval must meet a number of consumer guidelines before they can be placed on the AAA list.

The second thing to look for is a clean/organized shop. If the place is dirty, the staff looks unkept, and there are tools strewn everywhere, then this is likely a red flag. Remember price isn't everything. Getting the job done right the first time should be the goal.

And finally, it's always best to choose a mechanic based on a reference from a friend or family member who has been using that shop for a year or more. Mechanics know reputation is everything. If uncle Joe sends you to a shop, the mechanic is more likely to do a good job, because he doesn't want to lose your business and uncle Joe's business by doing a bum job.

Monday, September 1, 2008

I hope you're having a relaxing Labor day! With hurricane Gustav lurking just off the Louisiana coast, I've decided it might be a good idea to talk about renters' and home owners' insurance. This Thursday, on News Channel 5 at 6, I'll be doing a story with a Lorain County couple that was flooded out last year, and then suddenly realized their insurance had some exceptions they weren't aware of. I come to the rescue on this case, but more importantly, the story has some key lessons when it comes to insuarnce policies of any type.

First, read the policy! Let me say that again, a little louder, READ THE POLICY! Work with your agent, call the insurance carrier, it's important you understand what is covered and what is not. If you don't know, or you're not sure, then find out, ask questions. The Lorain County couple you'll meet this Thursday, thought they were covered, but their policy carried a sump pump exception. Second, it's a good idea to evaluate your insurance coverage every two years, whether it's home, auto or life. Conditions and situations change. Always shop your policy. You don't want to get caught with inadequate coverage, or be paying for too much coverage.

If you have a problem I'll be chatting on Newsnet 5 from 1 to 2 pm today (Monday September 1st). See you in Cyberspace!

Friday, August 29, 2008

A warning about buying over the internet, especially when it comes to purchasing for a timely event like a wedding or a birthday party. You can get big discounts when buying on-line, but keep in mind it could come back to haunt you, because you aren't dealing with a local company.

I'm currently trying to help a Streetsboro woman who purchased a wedding dress from a Canadian supplier. Yes, she got a good price, but now the dress is late in arriving and the wedding in now just two weeks away. She has discovered the dress is tied up in customs, and it's not clear the dress will arrive on time, so you can imagine the drama.

The lesson here? If your purchasing a big ticket item that has to be delivered on a deadline, then it might not be a good idea to buy over the internet. In some cases it's better to pay a little more for a situation that you have better control over. Have a great and safe holiday weekend!

Thursday, August 28, 2008

Just a little reminder today when it comes to signing contracts and your rights according to Ohio law. Please be especially careful when signing a contract for a car. Some consumers are under the false impression that they are covered under the "three day right to cancel" clause in the state statue. This is false. The three day right to cancel does not include auto sales, new or used. If you buy a car, a cancellation clause must be part of the written contract, Ohio law will not cover you on this one.

That's why it's so important that you get the vehicle your interested in checked by a qualified mechanic, especially if the car is an "as is" purchase. Take some time, test drive the car, put it on a lift, then sign the contract.

August 27, 2008

Not much sun, it feels like fall! Quick lesson today when it comes to landlord/tenant issues. If you feel your landlord is not doing what he or she is supposed to (according to your lease), it's important that you not withhold your rent. Instead, seek the help of your city housing court. Call the court and request a hearing. If the court believes you're being treated unfairly, then the court will set up an escrow account for your rent. You'll pay your rent to the court, and it will be held, and not issued to the landlord, until the issues are resolved.

Withholding rent on your own could get you evicted and could effect your credit rating. So, do it the right way, and take it to a judge. Many times a lanlord will know you're serious if you tell them you're going to housing court, and they will take care of your issues if their rent money could be legally held-up. You can also contact the Landlord/Tenants Organization for help at 216-432-0609. Talk to you tomorrow.

August 26, 2008

Happy Tuesday! There is no question the Yellow Pages can be a great resource, if your looking for goods or services, and you don't know where to start. But today I have a warning. Just because a business is listed in the Yellow Pages, doesn't mean you should assume that business or company has instant creditability. I have dealt with dozens of cases where people find a company in the Yellow Pages and they are left with a bad experience.

First, the Yellow Pages (and there are several different companies that call themselves the yellow pages) isn't responsible for screening the quality of companies published in the book. So it's the consumers responsibility to run checks on companies they find in the book.

Second, it's important that you check with the Better Business Bureau on a companies record before you sign that contract and give them any money. Finally, ask a company found in the Yellow Pages for references, and call them. Remember if you "let your fingers do the walking" make sure you do some background checks, so your fingers don't walk you into trouble.

August 25, 2008

I hope you had a great weekend. This week the Troubleshooter unit will be concentrating on dealing with services companies and how much consumers should give in "up-front" money when hiring a contractor. Today I profile a Seven Hills family that paid a contractor much of their life savings ($115,000 dollars) to build them the home of their dreams. More than 8 months have gone by and the contractor has not even started building the house! To make matters worse, he tore down their old home, and now they've been living in a small apartment, much of their personal belongings locked up in storage. The lesson here? This Seven Hills family gave way too much up-front money. In fact, they gave the contractor nearly all the money for the job up-front. Check out the latest on this terrible case tonight on News Channel 5 at 6, as I try to get them the house that they deserve.

Meanwhile consumers, experts I've talked to say you should never give more than one third of the cost of a job up-front. Or you should only give enough cash to cover the cost of the supplies for the job. For bigger projects like building a house, the money should be distributed in a "draw system".

If your taking a loan for a big project, nearly all banks require the "draw system" to protect themselves. It should be the same if your paying cash. A payment schedule should be set up in the contract. Pay a percentage up-front and then more as parts of the job are completed and approved by your city building inspectors.

If a contractor says, "pay me a lot up-front and I'll give you a better price", that my friends should be a red flag. Happy Monday, and keep fighting back against trouble. I'll see you in my Troubleshooter Talkin' Trouble Chatroom here on Newsnet5.com today (Monday) from 1 to 2 pm.

August 22, 2008

On my mind today is tips on picking a used car. Used car problems rank number three in the complaints that come into my Troubleshooter office. I’m talking about used cars that are under 5-thousand dollars, that in nearly all cases, are purchased “as-is” and don’t include a warranty of any kind.

First, please take a test drive. I’m stunned by the number of people who buy these types of vehicles, and don’t even drive it off the lot! Second, have the car checked over by a mechanic you can trust. This is critical! Naturally if your paying 2-thousand dollars for a car, you can’t expect it to be perfect, but at least you’ll have a better idea of what your getting into.

And finally, ask the dealer if he or she could at least give you a 30 day or 60 day drive train warranty as part of the deal. This will keep you from getting burned on a big repair, your mechanic didn’t catch. Have a great, safe weekend!

August 21, 2008

Today my prayers are with the family of Congresswoman Stephanie Tubbs Jones. I’ve always considered her to be the ultimate Troubleshooter. Back in October of 2005, Stephanie and I worked together, along with the Cuyahoga County Sheriff’s Department and Prosecutor’s office. We worked on a massive sweep trying to collect millions of dollars in unpaid child support. There are some 100-thousand delinquent parents here in Northeast Ohio who are not current with their child support. Stephanie understood the importance of this issue, and her leadership was invaluable. It was an honor to work with her.

For those who are owed child support, it’s important that you follow-up with the Cuyahoga Support Enforcement Agency or CESA. As you might guess CESA is extremely busy, but if you're diligent your case will be heard. It’s important that you maintain a current address for your delinquent former spouse. This is critical in producing an arrest warrant. Again, my thoughts and prayers go out to the family of Congresswoman TubbsJones, a true fighter for the people.

August 20, 2008 First, my thoughts and prayers are with Congresswoman Stephanie Tubbs-Jones and her family. She has helped so many people over the years as our Congresswoman and when she served as the Prosecutor in Cuyahoga County. Today, I will be heading to Shaker Square, the heart of her district. It's a place where she has supported many businesses, and many constituents. I will be getting the pulse of this community. Talk with you tomorrow.

August 19, 2008 Today I'm working on a story that makes sure you get the parts you paid for, when it comes to car repairs. I'm investigating a repairs shop, (I can't reveal the name right now) that allegedly charged a woman hundreds of dollars for new shocks and then didn't install them in her car.

I was able to verify through two independent inspectors, that the woman's shocks were never replaced. I even took the down the part numbers and had two diffrent part stores confirm the shocks are the original shocks that came with her car! I will soon be asking the mechanic about this situation, looking to get the woman her money back.

The lesson here? Keep in mind consumers, you can always ask the mechanic to point out the new parts he put in your car. You can also ask him to show the old parts he took out of your vehicle. Have the mecahnic explain why your old parts failed, and why new parts were necessary. I always treat car repairs as an expensive way to learn a lesson about my car. The more you ask, the more you know about your vehicle, the less likely you'll fall victim to a repair scam.

The case of the "shocking shocks" is scheduled to air on November 3rd. Have a great Tuesday.

August 1, 2008

A bill designed to protect consumers from unscrupulous home improvement businesses is one step closer to becoming Ohio law. The Senate passed Bill 275. Senator Bob Spada, a Republican from North Royalton, sponsored the legislation after a series of Troubleshooter Reports highlighted building contractor problems.

Violations of this bill can be considered a violation of the Ohio Consumer Sales Practices Act. You can read Bill 275 by checking out the Ohio legislative website at www.legislature.state.oh.us/bill.