Life

My Elderly Aunt, the Dupe

How a vacuum cleaner seller pried $4,244.80 from an old lady with dementia. And what we did about it.

By Ethan Ribalkin, 2 Feb 2009, TheTyee.ca

Elderly Woman

How to protect the fragile of mind?

Here is how my Great-Great Aunt Evelyn, who is 78 years old and fragile of mind, came to pay $4,244.80 for home cleaning equipment she never used, and how we members of her family did what we could to put accounts right.

But not before we learned a lesson in just how vulnerable some of our elderly citizens can be to a smooth voice on the phone.

For the past couple of months, my family has been preparing to move Evelyn from Surrey to North Vancouver to be closer to relatives so we can more easily take care of her and help her with her illnesses. She is suffering from what her doctor believes to be the early signs of Alzheimer's disease, as well as dementia and a lack of mobility.

On Jan. 3, we headed to her house to begin packing, navigating my father's SUV through the snow. When she called, her soft voice murmured the usual questions. I politely reminded her about the move she had forgotten many times before. I was also reminded that she did not know if she "was coming or going."

Like many elderly people suffering from memory loss, Evelyn's life has become a book she reads daily, with each page read delicately and turned, before being forgotten. Her mind turns the present into a void which is empty, where nothingness dwells. A place where even moments of happiness and laughter with friends are forgotten, leaving her feeling constantly ignored and alone. We try to help, but sometimes it seems our actions are fruitless.

Before she opened the door that cold morning, I sensed her soft little steps, both anxious and confused.

At breakfast, I popped her pills out of her daily medication calendar. She refused to take them and did not believe the pills belonged to her until I showed her the name on the prescription. Still hungry, she explained she would take them after eating more of her breakfast, placing the pills next to her toast on her plate. Three minutes later, she asked why the pills were on her plate and we again had the same conversation.

Old Christmas cards, recent receipts

In my great-great aunt's home, we discovered collection after collection of lost memories and forgotten dreams. In her bedroom, her drawers were filled with old Christmas cards and vacation receipts, including unopened products from Woodward's Department Store, which claimed bankruptcy in 1993. In her kitchen, her cupboards were filled with over 30 pots and pans, 50 cans of salmon and enough supplies to feed a small army. I imagined her shopping, buying the same things over and over again, forgetful of what she already owns.

Opening one of Evelyn's drawers, my father discovered a credit card receipt from one day earlier for the purchase of a vacuum and two air cleansers for $4,244.80.

It would be an understatement to say my father was enraged. After all, his Great Aunt Evelyn already owned both a competent vacuum and a steam carpet cleaner.

When we asked Evelyn about the purchase, she did not remember and was shocked to find out how much money she had spent. Even two weeks later, she does not remember signing the contract.

'I told her not to let them in'

It turns out Evelyn was duped by a telemarketing call, according to her friend Betty Knowles. Evelyn told her friend she had received a call and was told she won a prize. Although Knowles warned her it was a con, Evelyn did not listen.

"She phoned me the next day to say that they were coming to bring her, her gift. I told her not to let them in," Knowles said, Evelyn's friend for over 65 years. "I do know that I told Evelyn not to have anything to do with it because I knew it was a con."

Knowles says that these salespeople can be very high pressure and they can trick people, whether young or elderly, into signing something.

"If they spent a little time talking to her, they'd realize that she wasn't remembering what she said," Knowles explained. "I think that (the salesperson) would recognize that she really didn't comprehend what he was selling."

After hours on the phone with both MasterCard and the company, Healthtek Enterprises Inc., a salesman came to the house to collect what my family felt were unnecessary and overpriced products. I looked at him coldly.

Same questions, over and over

The young salesman was well-dressed and well-spoken. He promised us that if he had known she had Alzheimer's disease, he would have never sold her the products. Although, he did admit, it finally made sense to him why she kept asking the same questions.

While searching for the products he had sold my great-great aunt -- two Filterqueen air cleansers and a Filterqueen vacuum -- we could not find Evelyn's vacuum. But we did find a power head to a different kind of vacuum cleaner made by Miele. When we asked the Healthtek salesman about it, he replied that he knew nothing of a Miele vacuum.

According to Evelyn's receipt, no trade-in was noted for the Miele, though it does show an exceptional discount of $2,094, which I imagine was a sales tactic. My family and I presumed the 10-year-old Miele had just gone missing. To our surprise, however, the company returned the Miele vacuum 11 days later.

A C- from Better Business Bureau

It turns out my family are not the only ones around who have been dissatisfied with Healthtek, which sells Health-Mor's Filterqueen products.

The Better Business Bureau has received two complaints about the company. The bureau's website gives Healthtek a C-minus rating due to a lack of information about the company, according to spokesperson Mark Fernandes.

"There is some information that the company has done telemarketing and even doing surveying of consumers," Fernandes explained. "There's been allegations that the company does some sort of survey with a prize attached to completion of the survey, and as well, products being sold."

Yet the Better Business Bureau is still uncertain as to how Healthtek operates.

"We did not have enough contact with the company to determine enough information about what the company is exactly," Fernandes said. "To learn a little bit more about how the company operates is something we've been trying to contact the company about and we haven't completely understood that yet."

What does a good vacuum really cost?

It only takes a quick Google search of manufacturer Health-Mor and Filterqueen to find multiple complaints about the manufacturer's distributors in both Canada and the United States. At ripoffreport.com there are warnings about the quality of Filterqueen products, tales alleging salespeople have refused to give refunds, stories from people who allegedly have been scammed and a warning from a man who claims to be a former employee of a Health-Mor distributor.

"In my tenure with the company I was taught how to effectively lie, cheat, steal and take advantage of employees and consumers alike," writes John from Cleveland, Ohio.

In his lengthy piece, he also warns potential employees of a Health-Mor distributor about the process of ripping off loved ones to get accustomed to presenting the products.

"You will have simply wasted a couple weeks of your life and sold your friends and family something for an outrageous price that they could have gotten on EBay for $200."

A high quality and reliable vacuum should cost between $200 and $300 for an upright and $200 and $400 for a canister. Meanwhile, a top quality air cleanser should cost between $200 and $300. This means my great-great aunt should have spent no more than $1,000, according to Bob Markovich, Consumer Reports home and yard editor.

Not only did Evelyn over pay by more than $3,000, Filterqueen is not considered a high quality product by Consumer Reports.

"As I recall, they were expensive and they weren't exactly top performers," he said.

When I told Markovich the price Evelyn paid, he was shocked, to say the least.

"Oh my God, that is insane. That's crazy," he said. "The $4,000 figure sounds really, really, really high to me based on what we have tested, based on the going price."

Talking to Healthtek

My first call to Healthtek Enterprises Inc. was unsuccessful. The company refused to answer any questions or give the number of Evelyn's salesperson. On my second call, the gentleman on the phone did make a few comments, but refused to give his name.

"We aren't allowed to ask how old someone is or someone's age, which is irrelevant in any purchase," the anonymous person said. He added that the company did reimburse the money within 15 days and reimbursed the trade-in, although Evelyn's receipt never showed a credit towards the purchase for trading in her Miele vacuum.

The anonymous person added that he was too busy to answer any questions.

"It was an unfortunate situation that I prefer not to ever go through again and I'd kind of like to forget about it all," he said. "Cancellation is something we take very seriously here, but it is not a very positive thing."

"Hopefully (your father) forgives us and it is an unfortunate thing and I wish it didn't happen."

When I asked him for his first and last name, he replied, "No, but I will see you later. Bye Bye," then hung up the phone.

Something for nothing?

Surrey police spokesperson Sgt. Roger Morrow said that fraud is a word with a very specific definition. And my aunt's case might not apply.

"If I'm coming by your home and selling you a $4,000 vacuum that's only worth $200, that's not necessarily a fraud," he said.

When called by telemarketers offering free prizes or promotions, Morrow suggests buyers need to beware and expect that dream freebies are too good to be true.

"The question you have to ask is how often do we get something for nothing in our society," Morrow said. "The answer is -- almost never."

"The (elderly) are very susceptible. They do not think fast," Morrow explained. "Typically speaking, they feel everyone in the world is good people and they are not prepared, they are not on guard in the eventuality that they are going to be taken for some of their money."

To protect the elderly from potential fraud, he suggests adding your senior relatives to the National Do Not Call List of Canada. However, recent reports raise concerns that some firms are abusing the list, using it, in fact, to find prospects for their telemarketing appeals.

If you believe you or someone you know might have been duped into an unethical or fraudulent business dealing, Morrow says, report complaints to the Better Business Bureau and cancel cheques and credit card payments. And contact the police immediately.

Morrow also added people should be aware that some non-profits and charities sell their mailing lists.

My father, who has power of attorney over Evelyn, will be taking it one step further by lowering the limit on her credit card and monitoring her statements online. He also plans to file a complaint with MasterCard and the Better Business Bureau with reference to this event.

Payment returned

Healthtek has now reimbursed Evelyn's credit card.

It was lucky for her that we happened to be there to pack her for a move and find the $4,244.80 receipt in a drawer. Without the move and if we hadn't had a chance to visit her within the 10-day cancellation period and had a reason to go through her drawers, the receipt would never have been found. If this were the case, Evelyn would have been out a lot of money for products she didn't need and cannot afford; and even scarier, products she did not remember purchasing.

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11  Comments:

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  • Frank

    3 years ago

    Just "business as usual".

    No wonder the Right is against things like regulation, they'd hate to see guys like these out of business.

  • crh

    3 years ago

    pesky salespeople

    I also had a similar situation with my Dad over a 'miraculous vibration machine' that claimed to cure all your physical ills. The Vancouver based salesperson refused to hear what I had to say about his dementia and his frail state and that he could not determine for himself about a purchase such as this. She was determined to push this piece of garbage on him even though he lives in long term care!

    I found the situation so frustrating and it took several months to iron out, with my father out about $700.

    The eldery are very easy to exploit and unfortunately there are people out there who have no morals and think it is perfectly okay to do so, as long as it makes them a buck or two.

  • southdeltawalker

    3 years ago

    One old person "saved"

    You have to wonder how many more out there
    who are not so fortunate?

    BTW i registered on the National Do Not Call List. It only took a few days and the telemarketing phone calls stopped. I was getting anywhere from 1 to 8 a day.

    However companies that do business with you can still call. For example when Telus called I requested to be put on their do not call list and haven't heard from them since.

  • Tangler

    3 years ago

    Thank You

    An excellent piece, thanks. I hope it's widely circulated to people with elderly relatives. I was particularly touched by this passage, because it so clearly and gently describes what I went through with my mother only a year ago:

    "Evelyn's life has become a book she reads daily, with each page read delicately and turned, before being forgotten. Her mind turns the present into a void which is empty, where nothingness dwells. A place where even moments of happiness and laughter with friends are forgotten, leaving her feeling constantly ignored and alone. We try to help, but sometimes it seems our actions are fruitless."

    A couple of comments, based on personal experience with my mother:

    - Assume that mental deterioration will begin at some point, and try to prepare early by securing the necessary signatures on important documents (e.g. power of attorney, and many others). It is incredibly difficult (practically impossible) to do this after the onset of dementia - it must be done while your loved one is still "of sound mind". Yes, this will be a very tough sell for some elderly people (who might see it as a premature loss of independence), but try and try hard. I didn't, and I regretted that failure every day until my mother passed away.

    - Don't be afraid to "snoop" when you visit people who are exhibiting signs of memory loss or dementia. If things like bank statements, credit card bills, etc. are left in plain sight, take a look at them. Also, take a close look at overall housekeeping, and watch for increasing clutter, stale food in the fridge, etc. ... I know now that there were obvious signs of deterioration everywhere in my mother's home, but I was blind to them. By the time it all dawned on me, it was far too late.

    - Seek help early, from the many organizations dedicated to dealing with the physical, mental and economic problems of the elderly. You might be confused and anxious about how to proceed, but you aren't the first to experience the problem and there are lots of people who can offer advice and support. Open up, and ask for help.

  • dave49

    3 years ago

    Don't forget about roofers and home repairs

    Being in the throws of dealing with a bad roofer, and finding a new one to complete a re-roofing job, I've heard stories of the elderly being ripped of for home repairs and roofing.

    A few years back, my elderly neighbour's son arranged for a roofer. Two workers arrived and proceeded, in the summer with good weather, to take more than twice as long as the job was supposed to take. No one from the company ever came to oversee or check up on the job. One 'roofer' was a recent immigrant with poor English and the other a street person. Neither could legitimately be called roofers. Tee chimney flashing was so poorly done that the company had to have a guy spend more than a day to correct the problem. Granted, our neighbours used a long-established 'name' company, so the warranty was honoured. However, we warned them against using this company, based on prior experience (commercial work) and bad stories from others and a negative BBB rating.

    Finding a good roofer is tough. According to the Roofing Contractors Association of BC, they have 60 members. Only about five of those do residential work. However, According to Worksafe BC, some 4,000 people are registered as 'roofers'.

    These numbers should tell you that when it comes to finding a roofer, it a jungle out there.

  • Jeaness

    3 years ago

    Scamming the Vulnerable

    My sister, who was in the early stages of dementia, was scammed by a rug cleaner to the tune of $19,000.

    Her bank manager was the first to notice all the NSF cheques that were coming into her account and notified the police and contacted me. I did not have my sister's power of attorney at the time, but after it became obvious that she had paid many times for the same dubious service, she agreed that I should be in charge of her finances.

    With the bank's help, we managed to pay off all the firms whose post-dated cheques had been refused, closed her VISA account, and by selling some of her investments, paid off all the outstanding accounts.

    I supplied the police with all the evidence of NSF cheques, VISA withdrawals, and cheques made out to the cleaner. With the help of that paper trail, the man was brought to a preliminary trial last spring, and at the fall assizes, was tried and found guilty of fraud. At the moment they are doing a pre-trial report before sentencing him.

    The police had been aware of this man's activities, as this was by no means the first time he had cheated a vulnerable senior. However, because they did not have the paper trail, or because people did not wish to admit they had been gullible, or perhaps because no-one realized that they had been cheated, up until my sister's situation came to light, the police had not had enough evidence to prosecute.

    Without the vigilance of the bank manager and the dogged pursuit by the police, this man would still be practicing his despicable trade of fleecing the vulnerable.

  • ME2

    3 years ago

    Solutions?

    A major problem in the entire home-repair, home-building industry is the existence of people willing to work "under the table" in order to avoid paying taxes etc, and too many people willing to save money by hiring them. If some home-owners get burnt in the process......well....tough titty.

    In trying to remain competitive by not hiring union people - thus avoiding union wages, some companies will take a chance on employing unorganised, uncertified workers and risk claims against poor performance. This requires that the home-owner must be extremely vigilant, and be prepared to sometimes embark upon costly lawsuits.

    In some European countries, only workers certified by their guild are allowed to practice a trade. If a worker screws up, the guild fixes the error. If he / she does it again, the worker is legally barred from practicing in that trade.

    We could use something like that here, and of course one can only dream that our oh-so-honest Marketeers would similarly bar routinely dishonest businessmen from ever engaging in business ventures again.

    Yeah, I can hear the muttering in the background..."OK, but what is a dishonest business practice?" Aye, there's the rub. Maybe RMan can dream us up a definition. :-]

  • G West

    3 years ago

    Tangler - thank you too.

    Tangler,

    Excellent advice - especially the part about getting the paperwork done on things like Power of Attorney and the like while loved ones are still compos mentis.

    Even the most compassionate lawyer can have a difficult time ascertaining whether or not a loved one (who has already evidenced signs of deterioration) 'understands' the action required to agree to the legal requirements.

    But, there is another problem too - there are situations - equally sad and frightful - when family members take advantage of the diminished capacity of their loved ones more often and more comprehensively than door-to-door salespeople.

    For every crooked contractor, it's my experience that there are two or three ethically challenged children and relatives.

  • idiosyncratic

    3 years ago

    People to contact for help

    If someone in your family is facing the kind of situation this elderly woman faced, call the BC Centre for Elder Advocacy and Support at 604-437-1940, or toll free at 1-866-437-1940. While there may not be grounds for a court case on the basis of fraud, there may be either under something called "unconscionibility" or "incapacity". You need to talk to a lawyer about this, not the police (who will not know the law in this area). These scam artists need to be held accountable.

  • margot

    3 years ago

    billed me three times

    About five years ago, I decided to have an old oil tank decommissioned. The scare was out that old tanks could leak underground and cost tens of thousands of dollars worth of hauling and remediation.

    There was at that time, I was told by the building inspector, a requirement that I have the tank pressure tested before a decision could be made as to how to proceed from there. As it was slightly under a sunroom added later, I probably wouldn't have to have the whole thing dug out. Every tank company I called said the pressure testing business was rubbish. No one pressure tested oil tanks. It could actually cause a leak.

    I kept calling the building inspector, who repeatedly insisted it had to be pressure tested. He kept this sadistic charade going for months. I should have called another municipality for a second opinion, but had no experience with this sort of thing at the municipal level.

    When at last I did phone another building inspector, who expressed surprise at the requirement, I asked him to phone the one from my muni. He did, I'd love to have been a fly on the wall, and I got a call congratulating me on having changed the law in my municipality. No pressure test required.

    The runaround was not over. The tank removal person I engaged to do the job then begged off, saying he had the flu. Friends of his, from fifty miles away, would do the job for slightly more.

    Exasperated, I sent for them. They came, they sawed, they swabbed, and I noticed that the tank, the menace, from the sixties or so, was in very good condition. When I got out my chequebook, they got all shifty. I offered to accompany them to the credit union so they could cash it on their way home, thinking maybe they thought I might not be up to the cheque.

    No, they liked the credit union idea though, and offered me a couple of hundred dollars off if I just withdrew and paid them cash. I still thought this was about the perception I might not be able to cover the cheque. So naive. I said a receipt is as good as a cancelled cheque, and they said no receipt. They couldn't give me a receipt for cash, shift, shift.

    I handed them a cheque for the original amount and ushered them off. That company billed me THREE times for the tank job, and offered to sic a collection agency on me. I knew my cheque had been cashed, phoned them several times and then just ignored them. The collection agency, of course, never came.

    My main regret about this nightmare is that I didn't have proof to get the building inspector fired.

  • dave49

    3 years ago

    Stories from the salesmen

    I know several people who tried selling expensive vacuum cleaners, such as Filter Queen. None of them had much positive to say about the experience. There was a lot of talk about all the superlatives and claims they had to trot out about the product. I never found Filter Queens listed under air filtration equipment in my Yellow Pages.

    As one fellow noted, for many of the elderly women, it had been years since any (handsome) young man had paid any attention to them. That alone seemed to put these women in a vulnerable headspace. The other problem for an elderly person is they may not be able to handle a large heavy machine and may find it impossible to take up and down stairs.

    All that said, my parents bought a pricey Filter Queen about 35 years ago. They thought it would help with my dust allergies. I have the vacuum now and it is still going strong, original motor and all. I understood the original Filter Queen manufacturer, who was Canadian, went under years ago. However, someone must have bought the right of name. I can't say anything about the quality of the modern ones.

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