Offshore Outsourcing & Scammer

As more urgent a scammer needs money as more unbelievable are coming their offers. The only purpose of the offers is to lead some new and inexperienced center owners into paying their huge upfront fees (advance fee scam).

Anybody, which is thinking that he can get a form filling process or an inbound process, should read first about the data protection law in the traditional outsourcing countries (U.S. data protection law, European Union data protection law - EU Data Protection Directive, Australian data protection law - Australian Privacy Principles (APPs)). Additional this one should read my article Important information about non-voice processes (form filling, backoffice, etc.) and inbound campaigns. It will help him to understand why he needs to pay upfront fees for all these offers. The reason is very simple. There is no client available, which hired any broker for such a campaign. The only income possibility for the scammer is the upfront fee which has to get paid from the center. Vikram Pratap Singh with his sham companies SHR Solutions, SCI Solutions, Aldiablos Infotech, Smart Consultancy India, etc. is such a scammer.

SHR Solutions is now hiding their domain ownership with a privacy protection services, but a search in their domain registration history shows us the real owner:

Vikram Pratap Singh
101, Moryansh Ellanza, Shayamal Cross Road
Ahmedabad, Gujarat, 380009
India
Phone: +972.5126999
Email: shaikh26@sify.com

Vikram Pratap Singh is the owner of the following scam sites too - he is running a real scammer empire (Scammer: Vikram Pratap Singh - SCISOLUTIONS.US, ALDIABLOS.US, ALDIABLOS.COM and SHRSOLUTION.ORG). Additional are listed a few complaints about these scam sites:

• aldiablos.com, aldiablos.us
  
  • Aldiablos Infotech Pvt. Ltd. – aldiablos com proves that they are scammer
  • Grahak Seva - Aldiablos BPO Limted Fraud
  • Consumer Complaints - Aldiablos Infotech Pvt Ltd — Fraud every year
  • LinkedIn Pulse: Aldiablos is an sister company to SHR Solutions aldiablos is fraud dont encourage
  • Complaintboard - Consumer complaints and reviews about Aldiablos Infotech Pvt Ltd
    
    
• scisolutions.us, smartconsultancyindia.com
  
  • Grahak Seva - Beware of Scisolutions
  • Grahak Suraksha - They Fraud Us In The Name Of Upfront
  • Complaint Board - Smart Consultancy - Ahmedabad
  • Grahak Seva - Smart Consultancy India fraud
  • iComplaints - Smart Consultancy - Cheated 4 lakhs rupees
  • Yahoo answers - IS SMART CONSULTANCY INDIA, AHEMDABAD A FRAUD COMPANY?
    
    
• shrsolution.org
  
  • Scammer: shrsolution.org - Smart Human Resource Solution Pvt. Ltd. - Vikram Pratap Singh
  • Scammer shrsolution.org - Vikram Pratap Singh - needs urgently some money
  • Scammer: SHR Solution - shrsolution.org - Vikram Pratap Singh
  • Scammer: SHR Solution - Kashyap Bhatt - DAILYMOTION VIDEO UPLOADING PROCESS
  • Facebook - SHR Solutions Reviews
  • Complaint Board - SHR Solutions Pvt. Ltd.
  • Complaint Board - RAVI

With the background knowledge from above you'll read already the spam email, sent from Jainam Shah from the sender domain shrsolution.org, with another mind:

From: Jainam Shah <jainam@shrsolution.org>
Date: Fri, Feb 19, 2016 at 5:34 AM
Subject: Get Excellent Bpo Non Voice Project Urgent In Bpo Dept
To: someone@gmail.com

Hello ,

 Greetings For The Day!!!

 As we Are one Of the Leading Outsourcing Company For bpo voice & Non Voice projects & online-offline & chat process.

 I would like to inform you that we’re having various data entry projects with very good pay outs.

 

    1)    Get Fix Payout More Than Rs 700000 Monthly With Simple Video Uploading Process (Payout:weekly) With 1 Month Advance Billing

 

     2)    Telecom  form filling Process # Earn 10000$ per 10 id per monthfix payout With B.g

      3)     Vaccination Offline Form Filling Project 44 cents (us dollar) per form

     4)  Earn 1200000 with Simple Usa banking Form Filling Process

     5) Earn Weekly Rs 80000 By Simple Health Insurance Form Filling

         6) Financial Remuneration Form Filling With Monthly Earning INR 7.2 LACS

 

 Here I am sending you the detailed information on the same and I would also to inform you that we’re outsourcing voice processes ( inbound ) with handsome payouts

Provide Your Contact Details For Future Communication……

Have A Great Day Ahead…..!!!

 

Thanks& Regards,

Jainam shah

Buisness Development Manager

Skype Id:Jainam.shah78

8511140826

We know already their first offer - the video uploading process from my article Scammer: SHR Solution - Kashyap Bhatt - DAILYMOTION VIDEO UPLOADING PROCESS. There we can see that the process is not really something what can get outsourced.

Not one company found on the world will pay you for any "Form Filling Process". The data protection law from the traditional outsourcing countries will make them too much problems. On the other site are computers cheaper than the salary of the offered work from the scammer SHR Solutions. Data are getting entered at the point of sales and not somewhere else. Telecom companies have been the first, which have been using SQL Databases. You'll find until today the syntax, especially developed for Telecom companies, in the syntax of the SQL standard. There is no need for any manual data conversion (Copy & Paste process) or any other manual interaction with data. Any data are getting collected and entered in the system at the point of sales and not somewhere offshore.

Vaccination data are very sensible health information data. Such data are getting only collected if an health insurance company pays the bill for the vaccination or the doctors work. These data are getting collected only at the doctors office for the billing system. These data are getting online and encrypted transferred from the doctors office to the health insurance company. Does anyone believe that they are getting somewhere plain readable sent for any manual process? All other vaccinations, which are getting paid from the patient itself don't get collected somewhere else than at the personal vaccination records of the patient.

The same data protection law is valid for the health insurance form filling project. Not one insurance will give you any access to any data from them. The data are protected by law and are getting only collected at the point of sales where the offer gets directly calculated. There is no need to send the data somewhere else where they can get stolen or copied. This one, which is collecting data, is responsible for the security of the data. Why someone shall take the risk and send these data to a country where any law gets ignored and scam is nothing else than a popular sport?

A bank from the U.S., which gives you data for a form filling project, will get faster closed from the government than they are able to transfer the data to you. Banking data are highly sensible and subject of banking secrecy law. Not one banker will be so stupid and send his data somewhere for any manual manipulation, because he knows that he will end up in jail and the key to his cell will get thrown away.

Anyone, which believes that there is any client available, which pays for a "Financial Remuneration Form Filling" monthly INR 7.2 LACS (~US$ 10,459,80) should very fast consult a madhouse doctor. All personal data are protected by the data protection law, only stupid advanced fee scammers try to make money with such data.

Scammers like WeyBee Solutions - Sangini Mishra from venturasoftwares.com can get easily identified by reading their offers. Such scammers don't have any education and no idea from outsourcing work. As they are even too lazy to learn this scammers are offering campaigns which are not possible by the data protection law in the traditional outsourcing countries.

You can also be sure that not one outsourcing client is searching for a broker or consultant abroad. In such a case the outsourcing client could search for center which is doing his work directly and save the payment for the broker or consultant. An outsourcing client is searching for a broker or consultant in his area for the reason that if something is running wrong to have someone to complain directly.

The email from Sangini Mishra - you'll find my comments after each offer:

From: sangini mishra [mailto:sanginimishra259@gmail.com]
Sent: Wednesday, October 14, 2015 1:49 PM
Subject: BPO PROJECTS

 

HI ,

Greetings from VS,

We are international BPO Provider.

Our Company and Projects details are as below.

 

Ventura software’s is a fast growing Business Process Outsourcing (BPO) and a Data Center Solutions Company based at Gujarat, India. We provide cost effective and value added Data Center solutions to our clients. We leverage on our experience and expertise to offer unmatched BPO and Data Center services. Our solutions are customized to reduce cost, increase productivity and quality.

you can visit our website www.venturasoftwares.com

 

Project Details:-

 

1) HR PAY ROLL

This project is an online project .

you have to fill the entries on the client software.

There are 31 fields in a one form.

We will provide you minimum 180 forms and maximum 200 forms per day per seat.

Payout is Rs 1 per field i.e. Rs 31 per form.

Rework will also provide, if you will get low accuracy.

 

Monthly Earnings with full accuracy is Rs. 139500/- with maximum forms (4500*31) per seat.

This Projects work is available for Monday to Friday (5 days a week). Saturday is available for rechecking the work.

Advance charges is  Rs22000/-per seat for bandwidth charges, server  charges, software’s charges, training charges, technical  supports charges

Advance  charges  will be refundable at the end of agreement

Payout is based on following accuracy parameter.

95.01%-100.00%                   :   100% PAYMENT

90.01%-95.00%                     :    80%  PAYMENT

85.01%-90.00%                     :    60%  PAYMENT

80.01%-85.00%                     :    40%  PAYMENT

75.01%-80.00%                     :    20%  PAYMENT

61.01%-75.00%                     :    1 TIME REWORK FOR FIRST MONTH

< 60.01%                                :    NO REWORK

The facts:

• Payroll calculation gets done monthly
• The data for the payroll calculation are getting stored in a database
• Each database has an import and export function
• Payroll data are protected by law in the traditional outsourcing countries

If you are using your brain then you'll get it that the above campaign is nothing else than scam for the following reasons:

• Not one company makes the payroll calculation manually
  
  
• Each payroll calculation program stores the data in a database and each database has an import/export function. So why someone needs to enter data manually if he has the possibility to do it fast and with 100% accuracy?
  
  
• A company, which has a staff count of more than 4000 (200 forms per agent per day * 20 days per month) has the necessary reporting software to get the results with 100% accuracy and by pressing only one button. They don't need some manually with failures entered data!!!
  
  
• If you take a look at the accuracy table then you already get it that they have the data available to verify the entered data. So why they shall pay you for something they don't need?
  
  
• Why a company shall take the risk getting fined by outsourcing such a kind of data processing?

2) FISCAL

This project is an offline project , you have to fill the entries on the client software.  There are 28 fields in a one form.

We will provide you 6000 forms for 25 days per seat.

Payout is Rs 22 per form.

Monthly earning with full accuracy is 1,32,000/

Rework will also provide, if you will get low accuracy.

Advance charges is  Rs18000/-per seat for bandwidth charges, server  charges, software’s charges, training charges, technical  supports charges

Advance charges will be refundable at the end of agreement

Payout is based on following accuracy parameter.

98% - 100%          : Rs 22 per form

96% - 97.99%       : Rs17 per form

93% - 95.99%       : Rs 13 per form

90% - 92.99%       : Rs 9 per form

87% - 89.99%       : Rs 5 per form

85% - 86.99%       : Rework available once

< 85%                   : NO REWORK

The facts:

• Not one company will make their tax reporting manually.
• In the most traditional outsourcing countries are getting tax declarations transmitted electronically
• Failures is reporting tax will result in a fine in the high of 100% of the wrong reported tax

By using your own brain then you'll find out the above work is nothing else than scam for the following reasons:

• Not one company makes the tax calculation manually
  
  
• Each tax calculation program stores the data in a database and each database has an import/export function and each tax calculation program will transmit the results directly to the tax office or will generate the complete form for the tax office. So why someone needs to enter data manually if he has the possibility to do it fast and with 100% accuracy?
  
  
• A company, which has a staff count of more than 6000 (6000 forms per agent per month) has the necessary tax calculation and reporting software to get the results with 100% accuracy and by pressing only one button. They don't need some manually with failures entered data!!!
  
  
• If you take a look at the accuracy table then you already get it that they have the data available to verify the entered data. So why they shall pay you for something they don't need?
  
  
• Tax data are protected by the data protection law. So why shall a company take the risk getting fined by outsourcing such a kind of data processing?

3) PURCHASE

This project is an offline project, you have to fill the entries on the client software.

There are 38 fields in a one form.

We will provide you minimum 230 forms and maximum 250 forms per day per seat.

Payout is Rs 0.55 per field i.e.Rs 20.9 per form.

Monthly Earnings with full accuracy is Rs. 114950/- with maximum forms (5500*20.9) per seat.

Advance charges is  Rs18000/-per seat for bandwidth charges, server  charges, software’s charges, training charges, technical  supports charges

Advance  charges  will be refundable at the end of agreement

Payout is based on following accuracy parameter.

95.01%-100.00%          :   50 paisa per field

90.01%-95.00%            :   30 paisa per field

85.01%-90.00%            :    20 paisa per field

80.01%-85.00%            :    10 paisa per field

< 80.01%                      :    NO REWORK

purchase.docx (291.43 kb)

The Word document contains only the following screenshot:

Such a form filling is useless for the following reasons:

• As at the scan is no billing address found is it not possible to use such a bill in the financial records of the buyer. The buyer could collect the trashed bills in front of the supermarket too.
  
  
• The supermarket itself has a digital readable form stored in their own database. They don't need manual entered data.
  
  
• As there are accuracy parameters given are the correct data available for calculating the accuracy result. So why someone should pay you for something what is available?

4) MEDICLAIM

This project is an offline project , you have to fill the entries on the client software.       There are 70 fields in a one form.

We will provide you 4000 forms for 22 days per seat.

Payout is Rs 0.50 per field i.e. Rs 35 per form.

Monthly Earnings with full accuracy is Rs. 140000/- (4000*35) per seat.

Advance charges is  Rs18000/-per seat for bandwidth charges, server  charges, software’s charges, training charges, technical  supports charges

Advance  charges  will be refundable at the end of agreement

Payout is based on following accuracy parameter.

100%- 97%        :  35 INR/FORM

96.9%-93%        :  30  INR/FORM

92.9%-87%         :  20  INR/FORM

86.9%-80%         :  7  INR/FORM

79.9%-60%         :   3  INR/FORM

59.9%-40%         :   1  INR/FORM

< 40%                 :   NO REWORK

mediclaim.docx (286.73 kb)

The Word document contains only the following screenshot:

The offered form filling process is nothing else than scam for the following reasons:

• Medical data are in the traditional outsourcing countries - in this case USA - highly protected by law. Fines for breaking the law are dramatically and ruinous. Not one company takes the risk to get fined for breaking the law.
  
  
• As in the USA are getting such data directly collected at the place where the data apply. This data are getting transmitted electronically to the insurance company. There is no reason to enter data manually.
  
  
• Here does the scammer even don't know who is responsible for bandwidth, server, software, training, technical  support. The outsourcing client likes to get the work done on his way. For this are all this charges the problem of the client and not the problem of the center which is doing the work!!! Maybe the scammer has been drunk or under drugs by inventing this caampaign.

5) Checking Work:-

250 pages will provide for checking

Time Duration is 15 Days.

Monthly earning with full accuracy is Rs. 25000/-

Advance charges is  Rs10000/-per seat for bandwidth charges, server  charges, software’s charges, training charges, technical  supports charges

Advance  charges  will be refundable at the end of agreement

Payout is based on following accuracy parameter.

90.1% - 100.0%      :25,000/- (Rs 100/- Per page)

80.1% - 90.0%        :18,750/- (Rs 75/- Per Page)

70.1% - 80.0%        :12,500/- (Rs 50/- Per Page) 

60.1% - 70.0%        :6250/- (Rs 25/- Per Page)

50.1% - 60.0%        :3000/- (Rs 12/- Per Page)    

Below 50.1%           :Nil (Slot terminate)

XENA5207804eb547183.tif (174.29 kb)

XENA5207804eb547183.txt (4.77 kb)

I have converted the .tif file to a standard .jpg file to show it immediately here:

The above offered work is nothing else than scam for the following reasons:

• As we see the above text is nothing else than a scanned computer printout. That means the text is already electronically stored available. The owner of the copyright has the text in a computer readable form stored available. If someone else like to copy it, than is it against the copyright law and the fines for breaking the copyright law are very high in the traditional outsourcing countries. For this reason nobody will offer such a work.
  
  
• As this job has accurancy parameters given, the result needs to get proven against the available data. So why someone shall pay you for a work, which is already done?

6) EXCEL

This project is an offline project,  you have to fill the entries on the client software.

There are 15 columns in a one row.

Time Duration is 11  Days.

We will provide you 5000 rows per seat.

Payout is Rs 9 per row.

Earnings with full accuracy is Rs.35000/- (5000*7) per seat.

Advance charges is  Rs10000/-per seat for bandwidth charges, server  charges, software’s charges, training charges, technical  supports charges

Advance  charges  will be refundable at the end of agreement

Payout is based on following accuracy parameter.

97.01%-100.00%   :   INR 7.00 per row

95.01%-97.00%     :   INR 5.50 per row

94.51%-95.01%     :   INR 4.50 per row

93.01%-94.01%     :   INR 3.50 per row

92.01%-93.01%     :   INR 2.00 per row

90.01%-92.01%     :   INR 1.00 per row

< 90.01%               :   No Rework

The above work offer is nothing else than scam for the following reasons:

• We see that the content is nothing else than a computer generated list. If a computer can generate the list the above way then it is possible to generate the output result in the way how the data are needed. That is a much faster and cheaper way than to enter the data manually. So why someone should pay you for something what he can have faster and with 100% accuracy.
  
  
• As there are accuracy parameters in the project offer are the data already available to calculate the accuracy. So why someone should give you work and pay you for it if he has the result already available?

 7) LOAN

This project is an online project, you have to fill the entries on the client software.

We will provide you 26 forms per day per seat.

There are 250 to 300 fields in a one form.

Working day is Tuesday to Saturday (5 days a week) and working hours is 8 per day.

Payout is fixed USD 1000 per month per seat.

There is NO accuracy level.

There is NO BLANK field allowed.

Advance charges is  Rs22000/-per seat for bandwidth charges, server  charges, software’s charges, training charges, technical  supports charges

Advance charges is fully refundable in the  1^st billing.

loan1.TIF (139.16 kb)

I have converted the above .tif file to a standard .jpg file to show the form here:

The above form filling offer is nothing else than scam, because banking data (loan are banking data) are highly protected by the data protection law. Such data are getting collected at the front desk of the bank where their client is asking for the loan. The banking staff is updating or entering the data directly to the computer. There is no reason to outsource such a work and take the risk for getting fined from the government.

--

if you have any queries than contact us.
Please fill free to contact us.
Contact details: Sangini Mishra
Contact number: 7048278826

Thanks & Regards

Sangini  Mishra

If some center owner gets scammed from WeyBee Solutions - venturasoftwares.com - Sangini Mishra, then he is guilty by himself because he is more stupid than the scammer.

The fact that the work is for the center only against hudge up-front fees available confirms that the scammer WeyBee Solutions - venturasoftwares.com - Sangini Mishra has no contract with any client and for this reason no other income possibility than the up-front fee. Every word in the above email is nothing else than a big lie!!!

Domain registration data of venturasoftwares.com: 

Domain Name: VENTURASOFTWARES.COM
Registry Domain ID: 1928488761_DOMAIN_COM-VRSN
Registrar WHOIS Server: whois.godaddy.com
Registrar URL: http://www.godaddy.com
Update Date: 2015-05-13T14:10:35Z
Creation Date: 2015-05-13T14:10:35Z
Registrar Registration Expiration Date: 2016-05-13T14:10:35Z
Registrar: GoDaddy.com, LLC
Registrar IANA ID: 146
Registrar Abuse Contact Email: abuse@godaddy.com
Registrar Abuse Contact Phone: +1.4806242505
Domain Status: clientTransferProhibited http://www.icann.org/epp#clientTransferProhibited
Domain Status: clientUpdateProhibited http://www.icann.org/epp#clientUpdateProhibited
Domain Status: clientRenewProhibited http://www.icann.org/epp#clientRenewProhibited
Domain Status: clientDeleteProhibited http://www.icann.org/epp#clientDeleteProhibited
Registry Registrant ID:
Registrant Name: WeyBee Solutions
Registrant Organization:
Registrant Street: B-702, Pramukh Swami Arcade
Registrant Street: Malavia Pertrol Pump Chowk
Registrant City: Rajkot
Registrant State/Province: Gujarat
Registrant Postal Code: 360001
Registrant Country: India
Registrant Phone: +91.8238096600
Registrant Phone Ext:
Registrant Fax:
Registrant Fax Ext:
Registrant Email: weybeesolutions@gmail.com
Registry Admin ID:
Admin Name: WeyBee Solutions
Admin Organization:
Admin Street: B-702, Pramukh Swami Arcade
Admin Street: Malavia Pertrol Pump Chowk
Admin City: Rajkot
Admin State/Province: Gujarat
Admin Postal Code: 360001
Admin Country: India
Admin Phone: +91.8238096600
Admin Phone Ext:
Admin Fax:
Admin Fax Ext:
Admin Email: weybeesolutions@gmail.com
Registry Tech ID:
Tech Name: WeyBee Solutions
Tech Organization:
Tech Street: B-702, Pramukh Swami Arcade
Tech Street: Malavia Pertrol Pump Chowk
Tech City: Rajkot
Tech State/Province: Gujarat
Tech Postal Code: 360001
Tech Country: India
Tech Phone: +91.8238096600
Tech Phone Ext:
Tech Fax:
Tech Fax Ext:
Tech Email: weybeesolutions@gmail.com
Name Server: NS1.DREAMHOST.COM
Name Server: NS2.DREAMHOST.COM
Name Server: NS3.DREAMHOST.COM
DNSSEC: unsigned
URL of the ICANN WHOIS Data Problem Reporting System: http://wdprs.internic.net/
>>> Last update of WHOIS database: 2015-10-16T1:00:00Z <<<

Today I got an interesting comment on one of my LinkedIn postings about scammer. This comment explains how the non voice processes are getting traded and why they are only offered with a huge upfront fee.

You can find the original posting in the LinkedIn group: Process Group: BPO, Call Center, Data Entry, KPO by following this link. I have copied the content of the comment:

Vilas Unawane
Owner Quantum Research Systems Pvt Ltd

 

 

Hello Mr Rudolf,

There are another set of scammers..who work very openly and have nice offices,technical support and sell 'work at home type' single ID's.The process is so well designed that an average skill person will never be able to get the desired accuracy. Losing money with very well designed reports which are many a times disputable.After a detailed research it was observed that only 2 to 3% of the people get paid out of which 50% get paid less than 50%.The business goes on like any life insurance company.Only 3 to 4% claim depth benefit.I made and algorithm to simulate the cash flow and it was observed that such companies make money with even 50% qualifying rate.They also have MLM type sales network.To arrest such pratice I started a FREE consulting service and a prepared a detailed manual how to identify such process and how to tackle accuracy to get best performance.There is also a one hour short course on all those interested to understand the pitfalls of the work.

Lastly we also found same data is given again and again with only 20% fresh data with an intention of disqualifying he working agent.The reason is the company has advanced tools to compare the agents data with their 100% correct data in their own database.

In short even a genuine process can be easily scammed only to make more money. 

Typical process in this category are: Book Typing, Proof reading, All types of form filling, HTML Tagging.

Regards,
Vilas Unawane

Remember: Each upfront, any fee - however she is called - and any security deposit is only SCAM.

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.