Offshore Outsourcing & Scammer
Blog about offshore outsourcing and scammer in the outsourcing industry
UK: PPI – Payment Protection Insurance – the big mis-selling scandal
by Rudolf Faix Sunday, March 15, 2015 7:55 AM

If somebody gets an offer that he need not pay his debts for the case he lost his income for a low monthly fee, then this product will be a good selling product. On the other side insurance companies and their agents are promising you the heaven on earth to get your signature on the contract. The insurance business is like each other business a for-profit company. So the insurance companies are not enjoying in spending more money than they earn on a specific insurance. The profit need to get more and more without any regard to their customers.  For this they are inventing terms and conditions, which are for a normal person not understandable.  In this terms and conditions are the obligations of the customer very clear defined – he has to pay for the insurance. The rights of the customer are already not so clear defined. The cases where the insurance company has to pay are very restricted.  These restrictions are hidden very well in the terms and the conditions and written in a jargon, where even lawyers can have different opinions have about them.

Insurance companies and their agents are only salespeople. They are praising their products and mostly earning per sale. For this they are interested in a fast sale and not interested in giving a comprehensive customer consultation. 

Insurance is only functioning if a lot of people are paying for it and only a few cases will happen where the insurance need to make a payout. For this the insurance will find thousands of reasons why your case is not covered by the insurance.

With the economic downturn in Europe a lot of people lost their jobs and liked to use their PPI insurance. At this time a lot of them got it that they have paid for nothing because valid have been the written conditions and not the exaggerated promises of the insurance agents. The insurance companies acted like expected and rejected as much cases as possible. Their customers used all instances and options which they had to get for what they paid for. As very much people have been victims of this practice they government installed the financial ombudsman service with this cases.

UK Financial Services Authority - What is payment protection insurance?

UK Financial Services Authority - How to claim for mis-sold PPI

UK Financial Ombudsman Service - how to complain - if you think you've been mis-sold PPI

UK Financial Ombudsman Service: PPI - your case with us:

Seven out of every ten complaints that people refer to us at the ombudsman are about payment protection insurance (PPI). And with a thousand new cases still arriving every working day, this is our biggest job ever.
With this volume of complaints, it’s probably going to take us years, not months, to sort out all the issues involved. This is why we have significantly scaled up our operation.

The Office of Fair Trading was responsible for protecting consumer interests throughout the UK. It closed on 01 April 2014, with its responsibilities passing to a number of different organisations including the Competition and Markets Authority (CMA) and the Financial Conduct Authority.

For advice or help with a consumer problem, contact Citizens Advice.

In a good shape are the call/contact centers, which have been selling PPI under the name of their client and with a client provided script which they still have. In this case the client is responsible for the refunds to their customer.

All the call/contact centers, which have been using their own name for selling PPI are in a bad shape. The insurance will ask back their paid commission for the bad sales and has a good chance to win in front of a possible law court. 

Remember:

  • The written word is counting in the case of a dispute more than the spoken one.
  • Confirm all phone calls by letter or email. 
  • Keep a copy of all documents and communications for at least 8 years on a save place. 

 

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Fraud and Scam

Facebook group "USA Business Opportunity Marketing" the group of the SCAMMERS
by Rudolf Faix Thursday, February 19, 2015 1:24 PM

After verifying a few postings in the group "USA Business opportunity Marketing" by using scamadviser.com and the Open Source product Adguard for scam warnings, I got the following message from Johan V. Caem:

Johan V. Caem: I permanently banned you from the group "USA Business Opportunity Marketing" since you mentioned that our members are promoting scams. As long as a company pays it isn't a scam yet. I am the scam controller and I delete anyone who promotes a scam. Leave your colleagues alone, respect eachothers posts. If it is really a scam I permanently delete them, and I have the knowledge to decide over that. Enjoy your marketing experience Rudolf, just not in my group

Rudolf Faix: There is only SCAM!!!

Johan V. Caem: you should do some personal development on your brain Rudolf, like I said I have the knowledge to decide, you try to take it from a website
enjoy your day

It seems for me that Johan V. Caem does not know what is a complaint and a negative report at the web or he is the boss of the scammers there. Google lists a lot of such complaints!

I did not find one real business during the short time I have been visiting the group "USA Business opportunity Marketing".

 

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Fraud and Scam | Scammer Exposed

There are companies in North of India who are spamming and collecting upfront
by Rudolf Faix Thursday, February 19, 2015 4:42 AM
I have been thinking about that something is wrong, when I have seen so many outsourcing offers from India. Now I got it confirmed. A few friends from India have confirmed this information. It seems that this is the reason why I have found real outsourcing companies without any upfront only in Spain, UK and US .
 
The content of the Mail is:
Hi Rudolf
Hope this finds you well.
Very impressed with your work against spammers.We face this issue daily in our contact center here in India. These guys come up to us offering campaigns.
In fact we have had many friends who have paid these guys money before getting these imaginary projects on board and lost a load of money.There are companies up in the North of India who run big organisations which only do this.They have 100-200 agents just spamming and trying to collect upfront money and a lot of guys end up paying.
We should take a stand against this and come up with a clean platform where honest centers are able to pick up some good work.
Regards[I have only removed the name and the city for protecting my informer]

If you followed the other posts abut brokers and scammer, then you know already that each upfront is SCAM and the scammer are coming mostly from low wage countries. In this case you should be very careful by taking a business partner, which hides himself behind pictures of celebrities, symbols, animals etc. As long as you are not able to make a background check of your new business partner you shall not make business with him. The risk for getting scammed in this case is 99.99%.


Don't forget: Everything, which seems to be too good to be true is not true - it is only SCAM!!!
 
A comment from another person, living in India:
I Think, Rudolf Now a days it is almost a Universal Problem .In India also it is working & growing. Trained cheaters are enjoying by cheating others ,For some it is their Bread & Butter, some have base of this act in their Blood & DNA .Thief/cheaters work is successful only, till the owner is not aware or is in sleep .This Problem may grow, People are finding short cuts, boss style work. Due to low salaries, Unemployment, very high expectations,Media, Political leaders & Parties, So many things are contributing for this social evil . Wishers of Society welfare are always present in society by God grace. I wish/I want to see their success in all the Way. 
One more comment from a center owner in India:
I have heard few incidents
i know few centers in delhi (north india) who does have 15-20 odd people who call people for high flying projects
i told u right about my first exp where i lost almost 15000 euros
Step1 E Businesses Pvt Ltd is a big scam
 
     

 

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Fraud and Scam | Scammer Exposed

The SCAM with the “Security deposit”
by Rudolf Faix Friday, February 6, 2015 8:07 AM

Call centers be aware from the “refundable” security deposit. All this offers are nothing else then SCAM. In the normal world a security deposit is given to this one, which gives a value, which cannot get retrieved fast (in leasing, rentals, etc.).

In the case of call center work the given value is the phone bill and the work of the agents, which cannot get retrieved. For this you are able to ask for a security deposit. Especially if the agreed billing period is longer than 1 week you should ask for a security deposit.

A security deposit should include the agreed counts of agents * hours of work during the agreed working time * hourly base + any payment for the broker! A security deposit can be done by an irrevocable bank guarantee, which needs to get accepted at your bank. Don’t start working if your bank does not accept the given bank guarantee. In this case you’ll never see your money.

Call center friends, don't get scammed, a contract should be only valid if you get your security deposit paid.

 

Definition of a security deposit from Wikipedia (http://en.wikipedia.org/wiki/Security_deposit):

A security deposit is a sum of money held in trust either as an initial part-payment in a purchasing process (often used to prevent the seller selling an item to someone else during an agreed period of time while the buyer verifies the suitability of the item, or arranges finance) - also known as an earnest payment, or else, in the course of a rental agreement to ensure the cost of repair in relation to any damage explicitly specified in the lease and that did in fact occur.

In certain taxation regimes a deposit need not declared as part of the gross income of the receiving party (person or corporation) until either the depositing party or an arbitrator agrees the funds may be used for the intended purpose.

A 1990 United States of America ruling[1] provides that a deposit differs from an advance payment because the depositing party has dominion over the funds and retains the right to insist upon repayment in cash. On the other hand, the party making an advance payment retains no right to insist upon the return of the funds as long as the recipient fulfills the contractual agreement.

The rationale behind the court’s decision is that the recipient of the deposit does not enjoy - complete dominion - over the funds and is subject to an express obligation to repay so long as the customer fulfills his or her legal obligations. Additionally, both the timing and the method of refund are largely within the control of the depositing party, as he or she can choose to insist upon repayment in cash or apply the deposit to purchase services. The recipient’s right to retain the funds of the deposit is contingent upon events that are outside of his or her control.

An important note is that although the recipient may receive an economic benefit from the deposits - i.e. interest - the prospect that income will be generated provides no ground for taxing the principal. However, any income that the recipient may earn through the use of the deposit money is, of course, taxable.

 

In leasing

Security deposits are required most often by lessors of automobiles, apartments, and commercial real estate.

The security deposits required by many residential landlords of their tenants are the source of much dispute and litigation. Many states and municipalities have enacted laws that specifically regulate the landlord's ability to withhold tenant security deposits after a tenant moves out. Some states and cities require that interest be paid to the tenant as it is earned on the security deposit.

In some legal regimes the deposit has to be placed with an independent escrow agent or licensed deposit taker such as a bank so that the risk of fraud is reduced and the funds earn interest at a fair market rate.

In the United States of America, Washington DC, Alaska, Illinois, and Wisconsin have notably more tenant-friendly legislation in place than states like Indiana or Michigan, for example. The cities of Madison, Wisconsin and Chicago, Illinois have in place substantially greater protection of tenants' security deposit rights than the surrounding areas.

 

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Fraud and Scam

Spam and scam with "FREE" eBooks
by Rudolf Faix Thursday, February 5, 2015 8:50 AM

The most of this “FREE” eBooks are not really free. You have at least to drop your email address and mostly some more information about yourself. In the best case you get some usable information from the eBook, which is belonging to the general knowledge. In the most cases you only get a promotion for any other services or the eBook ends where it is coming interesting. There you find a link for continuing reading. If you click the link, you’ll end up at a pay site.

The result will be in any case that you get flooded with spam, because your data get traded together with the topic of the eBook. For this reason the scammer will know already in what you are interested. As more information you need to enter as higher will be the earning for your information.

So don’t forget, nothing is for FREE at the world. You have to pay with your personal data. This data are getting used to spam you and this data are getting sold. For this be AWARE from FREE eBooks. You pay in any way with your personal data for information, which you can get free from the Internet if you know how to use some search engines.

If something is free, then it will be written on a web site or it will be downloadable without any registration.

A few days ago one LinkedIn member even tried to earn money by using ad.fly for a self-compiled list of scammer. The greediness is endless from some people.

 

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Fraud and Scam

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I'm since more then 35 years in the computer business (programming and technical support) and using the Internet since it has started. Since 2002 I'm programming solutions for Asterisk and since 2004 I'm in the call center industry.

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