02/01/08
The 31 Red Flags - Part 3
This rule is effective January 1, 2008 and must be implemented within the dealership by November 1, 2008. So, what exactly are these Red Flags?
Anomalous Use of the Account
18. A new revolving credit account is used in a manner commonly associated with fraud.
For example:
a. The majority of available credit is used for cash advances or merchandise that is easily convertible to cash (e.g., electronics equipment or jewelry).
b. The customer fails to make the first payment or makes an initial payment but no subsequent payments.
19. An account is used in a manner that is not consistent with established patterns of activity on the account. There is, for example:
a. Nonpayment when there is no history of late or missed payments.
b. A material increase in the use of available credit.
c. A material change in purchasing or spending patterns.
20. An account that has been inactive for a reasonably lengthy period of time is used (taking into consideration the type of account, the expected pattern of usage and other relevant factors). Notice from Customers or Others Regarding Customer
 Accounts
21. The financial institution or creditor is notified of unauthorized charges in connection with a customer’s account.
22. The financial institution or creditor is notified that it has opened a fraudulent account for a person engaged in identity theft.
23. The financial institution or creditor is notified that the customer is not receiving account statements.
24. The financial institution or creditor is notified that its customer has provided information to someone fraudulently claiming to represent the financial institution or creditor or to a fraudulent Web site.
25. Electronic messages are returned to mail servers of the financial institution or creditor that it did not originally send, indicating that its customers may have been asked to provide information to a fraudulent Web site that looks very similar, if not identical, to the Web site of the financial institution or creditor.
Other Red Flags
26. The name of an employee of the financial institution or creditor has been added as an authorized user on an account.
27. An employee has accessed or downloaded an unusually large number of customer account records.
28. The financial institution or creditor detects attempts to access a customer’s account by unauthorized persons.
29. The financial institution or creditor detects or is informed of unauthorized access to a customer’s personal information.
30. There are unusually frequent and large check orders in connection with a customer’s account.
31. The person opening an account or the customer is unable to lift a credit freeze placed on his or her consumer report.
Fitness Club News
Did you know It only takes 20 to 35 minutes in exercise 3 to 4 times per week by doing interval cardio - sculpt?
Some of the benefits of excising are; lower blood pressure (lower medication possibly), decrease stress (central nervous system), increase cardiovascular (heart & lungs), increase endorphins ( building immune system).
What is interval cardio - sculpt?
Cardio Fitness Training with the treadmill, elliptical & plyometrics
Circuit Sculpt Training with both machines & dumbbells
I will teach you to train yourself to get the results you have always wanted. A little discipline and a strong spirit to win will get you started in the right direction with your fitness regimen. I promise you, within 5 to 10 weeks you will see fantastic results!
Bring this news letter with you to the Fitness Center to receive to a 30 minute personal training session, plus a special gift. For appointment call Darlene @ 586-405-3595 today!
 
The Unheard play Royal Oak Music Theatre
Detroit's premier rock and roll band, The Unheard, played the Royal Oak Music Theatre January 12th to rave reviews.
 “I’ve seen you guys this past year a few times and you guys are blowing people off the stage. If you haven't yet, you gotta see these guys, they're one of the best bands in Detroit!"-Doug Podell (Program Director WRIF Radio)
The Unheard has packed and continues to sell out some of Detroit area's biggest non-arena venues; The Emerald Theater, Hard Rock Cafe, Royal Oak Music Theatre, The State Theatre, and Freedom Hill. They have also opened for national acts including Sponge, Crud, Saliva and 7 Mary 3 and have won over audiences all over the Midwest with their undeniable hit songs -- comparable to Nickelback, Three Doors Down, Audioslave, Shinedown and Velvet Revolver.
 Be sure to email Doug Podell at WRIF.com (doug@wrif.com) and request The Unheard's "Helpless", "Beside You" or "You" to be played during request hour! Thanks for your support. Remember it only takes 10 seconds to email, and the people at WRIF will love you for it!
GM tackles glut of dealerships
Even after eliminating hundreds of U.S. dealerships in the last few years, GM CEO Rick Wagoner said the automaker will look to step up dealer consolidations, specifically efforts to combine Pontiac, Buick and GMC shops into one channel in which a single dealership would sell all three brands, The Detroit News reports. "This is a frontier where we plan to increase our efforts," Wagoner said during a presentation this week to Wall Street analysts. "It's time to do that and the payoff is significant."  GM cut its dealers by about 7 percent between 2005 and 2007, to 14,118 from 15,094 franchises. The automaker's consolidation efforts have centered on melding GMC, Pontiac and Buick dealerships into one line of stores. In some cases, Hummer and Saab dealers also are being merged.
2 Bedroom Duplexes Available For Rent
 We are taking applications for two bedroom duplex apartments within walking distance of Richmond Chrysler Dodge Jeep at $500 per month. They are newly decorated, children are OK, but pets are an additional $100 per month. A $500 security deposit is required, as is a one year lease. Address is 67477 Maple Lane. For additional information or to make an appointment to see the apartments, contact Andy at 586-727-7577 ext.9851.
 
Service Specials for February
 Lube, Oil & Filter Change - Only $24.95 expires 2/28/08
Dirty oil or a contaminated oil filter increases engine wear, causes poor performance and, in extreme cases, can cause engine failure. Be sure to have your oil and oil filter changed according to your vehicle's Owner's Manual schedule.
4-Wheel Alignment for the price of a front wheel alignment - $55.95 expires 2/28/08
Tire Rotation - $14.00 expires 2/28/08
Mention this newsletter when scheduling your service to receive the special February pricing.
 
Past Newsletters click here...

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Employee Profile:
 Barb Cannon
Warranty Administrator

Employed since February 2006

Barb's family:
Barb is married and has one son Anthony, 30.

If she wasn't at work, Barb would be:
Camping in Howell.

Barb's hometown:
Eastpointe.

Barb's favorite place to travel:
Las Vegas.

Barb's first job:
Burger King.

Barb's favorite television show is:
Law & Order Criminal Intent.

Barb's favorite place to dine is:
Terry's Terrace in Harrison Twp.

Barb's favorite vehicle is:
1967 Pontiac GTO, blue with white interior.

Something you may not already know about Barb:
Barb rides a 1994 Harley Davidson Heritage Soft tail.

Thanks Barb for being such an asset to The Huvaere Group.

 

Today's Motivational Quote
"This art of resting the mind and the power of dismissing from it all care and worry is probably one of the secrets of energy in our great men."
Captain J. A. Hadfield