Mayor's Office of Consumer Information (MOCI)Working in Cooperation with the Massachusetts Attorney General's Office City Hall, Room 315 The Mayor’s Office of Consumer Information (“MOCI”) is a Local Consumer Program funded by and working in cooperation with the Massachusetts Office of the Attorney General to help consumers resolve complaints who otherwise have to seek legal recourse through the court system. It serves residents of the City of Springfield and its surrounding cities and towns throughout Hampden County, and parts of Worcester County. The MOCI cannot guarantee the outcome of a complaint but ensures that it will, with the cooperation of both parties, aim to effectively mediate the complaint in hopes of reaching an amicable resolution. Since 2000 MOCI has handled tens of thousands of complaints, recovered over $11.5 million dollars for consumers in the form of a refund or credit, and held hundreds of community outreach events. The goal of the MOCI is to empower consumers with knowledge of their rights and to educate them on ways to protect themselves from becoming a victim of a scam, fraud or identity theft. After all, its motto is "Education is the Best Prevention." The MOCI's services are provided throughout Hampden County and the following cities and towns of Worcester County: Brookfield, Charlton, Douglas, Dudley, East Brookfield, Holden, Holland, North Brookfield, Oxford, Paxton, Southbridge, Spencer, Sturbridge, Sutton, Tolland, Wales, Warren, Webster, and West Brookfield. It provides education, referral and informal mediation services at no cost to consumers. Mediation allows consumers and businesses the opportunity to address and resolve disputes, although no legal advice or services are provided. Spanish-speaking and Russian-speaking staff is available. WALK-INS ARE WELCOMED FROM 10AM TO 3PM, otherwise by appointment. The MOCI staff will educate consumers on their rights in many consumer-related areas and has an array of brochures readily available. Following are some of the areas the MOCI can assist with: Lemon Laws To speak to a consumer advocate to learn of your consumer rights, seek advice on how to resolve your dispute or to request mediation, call (413) 787-6437. In addition, the MOCI provides consumer-related educational outreach to Hampden County area schools and colleges, senior centers and civic agencies, free of charge. Topics of interest include, but are not limited to, Identity Theft, Credit, Buying a Car and Home Improvement. To request a speaker, download the speaker request form. Forms for DownloadIf you wish to speak with a mediator about filing a consumer complaint, you may reach us at (413) 787-6437 Monday through Friday from 9am to 4pm. To file a formal written complaint, download the PDF. Submit the completed form to us, along with supporting documents. Speaker request form – Please contact Program Director, Milagros S. Johnson about speaking to your organization. You may reach her at (413) 787-6437 or email moci@springfieldcityhall.com. The MOCI brochure is available in English, Spanish and Russian. Mortgage Foreclosure Assistance - Are you struggling to make your mortgage payment? If so, there is help for you. Consumer LinksFacing Foreclosure? The MA Attorney General's HomeCorps may be able to help: AGO HomeCorps Initiative To learn of your consumer protection rights, fraud and corruption, civil rights, and promoting meaningful economic recovery, visit: Massachusetts Attorney General’s Office: Consumer Protection For additional consumer protection information (Lemon laws and home improvement) visit: Massachusetts Office of Consumer Affairs & Business Regulation Identity theft is the fastest growing crime in America. Learn how to deter, detect and defend against it, visit: Federal Trade Commission: Identity Theft Did you know that you are entitled to a free annual copy of your three credit reports, with no strings attached? When requesting your credit reports, be sure not to use a public computer or Wi-Fi and allow at least 20 minutes for the process. Securely request your free credit reports from Annual Credit Report. Are you feeling overwhelmed with pre-approved credit card offers in your mailbox? Did you know that they put you at risk of identity theft if they end up in the wrong hands? To stop receiving pre-approved credit card offers, click here: Opt-Out of pre-approved credit card offers Would you like to reduce the volume of junk mail in your mailbox? You can actually stop junk mail by simply requesting to opt-out: Stop Unsolicted Mail, Calls and Emails To stop telemarketing calls to your home or mobile telephone, register at: National Do Not Call Registry Are debt collectors harassing you at home or work? Learn what you can do to stop the calls your consumer rights: Fair Debt Collection Every household should have what's often referred to as the, "Consumer Bible." Here's how you can obtain yours: 2015 Consumer Action Handbook. There is now accountability for predatory lending. The CFPB will "Educate, Enforce and Study" consumer issues. Visit their website at: Consumer Financial Protection Bureau Before doing business with a merchant, you may want to first check its ratings and complaint history with the Better Business Bureau Elder scams and financial exploitation are on the rise. The U.S. Department of Justice launched a website, Elder Justice to help protect seniors  We are now serving parts of the Worcester County communitySince July 1, 2014, the Massachusetts Attorney General's Office funded our office to serve parts of the Worcester County area. The cities and towns we cover are: Brookfield, Charlton, Douglas, Dudley, East Brookfield, Holden, Holland, North Brookfield, Oxford, Palmer, Paxton, Southbridge, Spencer, Sturbridge, Sutton, Wales, Warren, Webster, and West Brookfield. The Con$umer Toolbox EpisodesThe MOCI invites you to learn more about your rights as a consumer through a lively discussion on its monthly television program, The Con$umer Toolbox. You can find all of the episodes on YouTube through these links. We hope you enjoy watching. Episode 1: Find out what services the program offers and how the mediation process works. Episode 2: Learn about scams and fraud through a discussion with Chicopee Police Officer Michael Wilk. Episode 3: Do you know what to do when your car fails inspection? Watch this video for all the answers. Episode 4: Ms. Milagros Johnson is joined by two experts in the field of consumer protection to discuss the different types of scams and fraud happening in our surrounding cities and towns, including Franklin County and Berkshire County. Episode 5: Guest, Joan O'Brien, Assistant District Attorney for the Hampden County District Attorney's Office discusses the various types of elder scams, fraud and financial exploitation. Episode 6: Workshop at UMass/Springfield on the topic of Identity Theft. This video discusses everything you need to know about ID Theft and more. Episode 7: Guest Corey Pilz of the Massachusetts Department of Telecommunications & Cable discusses your rights having to do with telecommunications and cable. Episode 8: Guest Steve Desilets, City of Springfield Code Enforcement Commissioner discusses housing codes and violations, and ways consumers can protect themselves when hiring a home improvement contractor. Episode 9: Guest Eric Gouvin, Dean and Professor of Law at Western New England School of Law discusses Massachusetts Consumer Protection Law and holiday scams. Hampden & Worcester County consumer outreachWe continue to receive requests for outreach events thoughout Hampden County and parts of the Worcester community. If your school or organization is interested in getting empowered on a consumer topic (such as Scams & Fraud, Identity Theft, Credit, Buying a Car) complete the Speaker Request Form or contact us via email: moci@springfieldcityhall.com. We are prepared to serve you FREE of charge. |
Director of the Mayor's Office of Consumer InformationMilagros S. Johnson  Is the vehicle you're driving safe? Does it have an open recall?With all the vehicle recalls being announced recently, it's important that consumers check on the safety of their vehicle. The National Highway Traffic Safety Administration makes it easy for consumers to check for recalls and/or file complaints about a defect on their vehicle they deem to be unsafe. CHILD IDENTITY THEFTChild Identity Theft is on the rise. Just like adults, children too can become a victim of identity theft. To make matters worse, the offense can go undetected for many years because children, or their parents, do not feel the need to check their credit files. There are several ways for parents to guard their child's personal information and for identity theft protection. Watch this video Multilingual services provided (English, Spanish, and now Russian) We're excited to welcome and introduce the newest addition to our staff, Natalia Shtrom. Natalia has roots in the Hampden County area, and brings to us many years of experience of consumer advocacy work serving the Russian-speaking communities. She speaks fluent Russian and is prepared to assist consumers in our service area who have a dispute with a business. To speak with Natalia, please call 787-6437, Monday through Friday from 10am to 3pm. How to Write an Effective Consumer Dispute LetterIf you are experiencing a problem with a product or service, which you already brought to the attention of the business but it remains unresolved, you may want to consider writing a dispute letter.
If the letter does not help resolve the issue, you may want to file a complaint. Question of the MonthQ: I recently learned that I have the option of freezing my credit report to have the best protection from identity theft. Is this true? A. While freezing your credit report protects you from an identity thief fraudulently opening a new account in your name, it does not prevent someone from using your personal information to gain employment, get medical care, file income tax returns, obtain a driver's license or even commit a crime. For these reasons, it is paramount that you always remain vigilant, check your credit reports thoroughly at least once a year, read all correspondence you receive (including health insurance benefits), and file your income tax returns early. Be sure to freeze all three credit reports (Equifax, Experian and Transunion). There is a small fee to freeze and unfreeze your reports, but the fee is waived if you can show that you are a victim of identity theft. For more information visit the FTC website. |
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Page last updated: Friday, September 16, 2016 02:03 pm