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. 

In Europe, only those terms and conditions of the insurance companies are good, which are compulsory required by law.  In this case, the insurance terms and conditions are governed by law. For all other classes of insurances the insurance companies are free in setting up their own terms and conditions.

The insurance companies are very creative in inventing new products. All this products have one thing in common: It should bring more earnings and in the best case no expenses.  For this they are inventing insurances against risks, which should never happen. The insurance policy itself is written in normal sized characters. The full terms and conditions are written in so small letters that you need a magnifying glass to read them. The insurance conditions are written in a jargon that you need to consult a lawyer who translates them into an understandable language.  To confuse the policyholder more, the attached insurance conditions are for all by the insurance company offered insurances and not only for the specific case. The purpose of this procedure is that the customer does not read and understand the terms of the insurance and that he trusts to the spoken statements given by the insurance agent. In front of the law court are only the written terms and conditions valid. If you analyze this terms and conditions you’ll get the result that all the possible requirements for a claim are excluded.

For example: You can make an insurance against fire of a potato field. You will only be able to file an insurance case if the potato field has been under water as the fire has started. A volcanic eruption is excluded as a natural disaster. If the unlikely case really happens, then the payment of the damages gets dismissed for the reason, that the potato field got destroyed first by the water and not by the fire.

Don’t forget: Each business is done to maximize the profit of the company and their shareholders.

GOautodial is an open source web based call center system based on CentOS. It automatically installs the GOautodial applications (GOadmin, GOreports and GOagent), Vicidial, Mysql, PHP, Asterisk, Limesurvey and other open source software to have a fully functional call center system. An open source predictive dialer and inbound IVR + ACD system that rocks.

GOautodial is based on the Asterisk framework, which is sponsored by Digium. The Asterisk project started in 1999 when Mark Spencer released the initial code under the GPL open source license. Since that time, it has been enhanced and tested by a global community of thousands. Today, Asterisk is maintained by the combined efforts of Digium and the Asterisk community.

Today, there are more than one million Asterisk-based communications systems in use, in more than 170 countries. Asterisk is used by almost the entire Fortune 1000 list of customers. Most often deployed by system integrators and developers, Asterisk can become the basis for a complete business phone system, or used to enhance or extend an existing system, or to bridge a gap between systems.

GOautodial Major Features:

• Inbound, Outbound and Blended call handling
• Broadcast and survey dialing
• Web-based applications
• Wizard based configurations
• Full call recording
• Scalable to hundreds of seats
• USA, UK and Canada call compliance
• VoIP trunks and standard Telco lines
• Support for Sangoma and Digium cards
• Open-Source GPLv2 licensed, with no software licensing cost

Full Features List (based from the Vicidial engine):

• Ability for an agent to call clients in succession from a database through a web-client
• Ability to display a script for the agent to read with fields like name, address, etc. filled-in
• Ability to set a campaign to auto-dial and send live calls to available agents
• Ability to dial predictively in a campaign with an adaptive dialing algorithm
• Ability to dial on a single campaign across multiple Asterisk servers, or multiple campaigns on a single server
• Ability to transfer calls with customer data to a closer/verifier on the local system or a remote Asterisk server
• Ability to open a custom web page with user data from the call, per campaign
• Ability to autodial campaigns to start with a simple IVR then direct to agent
• Ability to broadcast dial to customers with a pre-recorded message
• Ability to park the customer with custom music per campaign
• Ability to send a dropped call to a voicemail box, queue or extension per campaign if no agent is available
• Ability to set outbound CallerID per campaign or per list
• Ability to take inbound calls gathering CallerID
• Ability to function as an ACD for inbound and fronter/closer verification calls
• Ability to have an agent take both inbound and outbound calls in one session(blended)
• Ability to start and stop recording an agent's calls at any time
• Ability to automatically record all calls
• Ability to manually or automatically call upto two other customer numbers for the same lead
• Automatically dial unlimited alternate numbers per customer until you get an answer
• Ability to schedule a callback with a customer as either any-agent or agent-specific
• Ability in Manual dial mode to preview leads before dialing
• Ability for agents to be logged in remotely anywhere with just a phone and a web browser
• Faster hangup and dispositioning of calls with one key press (HotKeys)
• Definable Agent Wrapup-time per campaign
• Ability to add custom call dispositions per campaign
• Ability to use custom database queries in campaign dialing
• Recycling of specified status calls at a specified interval without resetting a list
• Dialing with custom TimeZone restrictions including per state and per day-of-the-week
• Dialing with Answering Machine Detection, also playing a message for AM calls
• Multiple campaigns and lead-lists are possible
• Option of a drop timer with safe-harbor message for FTC compliance
• Variable drop call percentage when dialing predictively for FTC compliance
• System-wide and per-campaign DNC lists that can optionally be activated per campaign
• All calls are logged and statuses of calls are logged as well as agent time breakdowns
• Load Balancing of call across multiple inbound or outbound Asterisk servers is possible
• Agent phone login balancing and failover across multiple ViciDial servers
• Several real-time and summary reports available
• Real-time campaign display screens
• 3rd party conferencing(with DTMF macros and number presets)
• 3rd party blind call transfer
• 3rd party conferencing with agent drop-off
• Custom Music-On-Hold and agent alert sound for inbound calls
• Estimated hold time, place in line, overflow queues and several other inbound-only features
• Skills-based ranking and call routing per inbound group(queues) and campaign
• Queue Prioritization per campaign and inbound group
• Single agent call queueing
• Ability to set user levels and permissions for certain features and campaigns
• Ability for managers to listen-in on agent conversations
• Ability for managers to enter conversations with agents and customers
• Ability for managers to change the selected queues for an agent
• Ability for agents to select a Pause Code when they are not active
• Ability for agents to view the statuses of other agents on the system
• Ability for agents to view details for calls in queue that the agent is selected to take calls from
• Ability for agents to select and click to take calls in queue from their agent screen
• Several Vtiger integration features: user-sync, account-sync, data interconnection (deprecated)
• Full integration with Sangoma Call Progress Detection(CDP) for better Answering Machine Detection(AMD)
• Web-based data export utilities
• Web-based administration
• DID, phone and carrier trunk provisioning through the web interface

In combination with the outbound provider Voicetrading and Voicebuy you'll get a very cheap solution for your call/contact center.

Thomas Tryon is using the identity (name and picture) of the author Thomas Tryon, which died already Sep 4, 1991. 

The risk to get scammed from such people is 99%. He even did not like to understand the warnings written in my comments under his postings. A "Director of Database Management" is reacting in another way than he. It seems that he is not mature enough to make serious business. So it looks like the full content of his profile is only a fake or a big lie.

Source: Wikipedia http://en.wikipedia.org/wiki/Tom_Tryon

Picture from Thomas Tryon: http://www.openroadmedia.com/thomas-tryon

LinkedIn profile of Thomas Tryon - safehavenleads.com: https://www.linkedin.com/profile/view?id=311097574&goback=%2Egde_1530777_member_5981562875347562497

LinkedIn offer from Thomas Tryon - safeheavenleads.com in the group Call Centre search: https://www.linkedin.com/groupAnswers?viewQuestionAndAnswers=&discussionID=5981562875347562497&gid=1530777&goback=#commentID_null

Thomas Tryon - Tri-care full forms avai...rsion rates. _ LinkedIn.pdf (3.98 mb)

Thomas Tryon _ LinkedIn 2015-03-11.pdf (5.36 mb)

Thomas Tryon _ LinkedIn 2015-03-12.pdf (5.64 mb)

Today (2015-03-09) I got a LinkedIn message, which shall make me rich. I think that other members from LinkedIn have gotten a similar message with the following content:

Hello

Ms Rose LEE Wai Mun

9. März 2015, 11:33 Uhr

As I expect a scam about a long laying fund there I have answered the message to the given email address and expect now a story about a missing customer with millions of $ on a bank account, which has the same last name like me. For showing this to you, I have sent a short answer to the given email address:

Rudolf Faix <rudolffaix@gmail.com>	11:40
an msroselewaimun

 

 

 

 

Hi Rose

 

Please send me the details about your business proposal.

 

best regards

Rudolf Faix

2015-03-10: 

Like I have expected it yesterday, I have received such an email. Don't take the bait. The next follow up will be the advance fee scam.

Ms Rose LEE Wai Mun	23:45 (vor 1 Stunde)
an mich

 

 

 

 

Dear Faix

 

Thanks so much for replying to my email address, I know this will come as a surprise to you but let me formally introduce myself to you.I am Ms Rose LEE Wai Mun Vice-Chairman and Chief Executive at the Hang Seng Bank Plc. I am contacting you concerning an abandoned sum of $22,500,000.00 USD. In June 2004, A customer called Fernando Faix foreign contractor with Royal Dutch Plc came to our bank for business discussions and investment, As the officer in charge of his transaction then, I encouraged him to consider various growth of funds with prime ratings. Then he invested Nineteen Million Five Hundred Thousand United State Dollars only. Based on my advice, we were able to spin the initial deposit with profit and interest to 22.5 million U.S Dollars. After few months; My bank (Hang Seng) sent several notice to him without response and unfortunately, my client died in a car crash along with his nuclear family at France while on sabbatical in the summer of 2008, may their soul rest in peace. He died without leaving a Will and several efforts were made to find his extended family through your embassy without success. Because of the sensitive nature of private banking, most customers don't nominate next of kin in their investment, also usually in most cases leave their WILLS in our care, in this case; our now deceased client died in-testate.

 

It is quite clear now that our dear client died with no known or identifiable family member. According to practice, the Private banking sector will by the end of this year broadcast a request for statement of claim to Hang Seng Bank Ltd, failing to receive viable claims they will probably revert the deposit to the Management of Hang Seng Bank Ltd. This will result the money entering the Hang Seng accounting system and the portfolio will be out of my hands and out of the private banking division. What bothers me most is that according to the laws of my country at the expiration of Ten {10} years the funds will revert to the ownership of the Hong Kong Government if nobody applies to claim the funds.

 

Now, I am prepared to give the necessary details to you as the closest surviving relation of our deceased customer (Fernando Faix). I am also proposing that after a successful execution of the business deal, the funds will be shared in the ratio 40/60. You will get 40% and I will be entitled to 60% as the initiator of the deal. You know that I must have done my home work already before contacting you. Although the project is capital intensive, I know I will be able to pull it through following proper banking and legal Channels with your assistance at your end. I will tidy up the legal aspect with the assistance of a lawyer who will prepare all the documents that will be needed to transfer the money from Hong Kong to your country. Once more, I ask that if you find no interest in this project that you should discard this mail and forget I ever contacted you, I ask that you do not be vindictive and destructive; do not destroy my career. Opportunities like this only comes once in a lifetime. I am a family woman and this is an opportunity for me to give my family the best in life. I would want you to think about this and let me know your decision. If you give me a positive response, I will give you the relevant INFORMATION for the successful transfer of these funds and we both enjoy it in peace.

 

If you give me positive signals on my email: msroselewaimun@gmail.com, I will initiate this process towards a conclusion. I wish to inform you that should you not contact me via official Channels else I will deny knowing you and about this project. You can also check on my biography from this link as well http://bank.hangseng.com/1/2/about-us/directors-organisation/board-of-directors#irenelee you can also call our official line +852-2822-0228 but do not talk about this transaction or I may deny knowing you, when you call? Ask of Ms Rose LEE Wai Mun (Hang Seng Bank) and if I am on seat, then your call shall be transfer to me, what I will want you to do is to abolish the call before I talk because my official line are not secured means to reach me bearing in mind, the nature of this transaction, because they are periodically monitored to assess our level of customer care in line with our Total Quality Management.

 

I await your response.

 

Regards

I stop at this time the communication with this scammer. The follow up will be only an advanced fee scam.

For the case that such a email would not be only scam, you would make yourself punishable and will end up in jail for helping in betraying the government, which gets in such case the heritage.