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Credit Repair Scam - How To Avoid Being A Statistic?
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I read a press release the other day which points to the fact we need to be very careful with our finances. The subject of the release was home mortgages. A company was announcing the availability of 40 year mortgages for its customers....
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Dial one if you have your credit card handy
Dial one if you have your credit card handy and would like to
speak to an intelligent person, in your own country, who can
really help you!
I've recently have had some incredibly bad experiences when I
have tried to phone some very well-known banks in the UK.
On the first occasion, I was trying to make an inquiry about my
father's bank account. My father is no longer able to look after
his own affairs and I have power of attorney which has been
registered with his bank.
I dialled the telephone number shown on the statement and my
call was answered by a very friendly lady called Anna.
I asked Anna for some information about my father's accounts.
But I was told that I did not have the required authority to be
able to access this information. I knew that this was wrong but
Anna was convinced.
Anna suggested that I would have to visit the branch where my
father's account is held and see one of their representatives.
I explained to Anna that my father's account is held at Dorking
and I live in Stevenage.
Anna was insistent. "If you can just pop into the Dorking branch
and see one of the assistants, they will be able to help you."
I asked Anna where she was based. And she explained that she was
working at a call centre in India. Little wonder then that she
did not appreciate that for me to travel to my father's branch
is a journey of about 75 miles and would take approximately 2
hours each way!
My second experience came when I needed to speak to somebody at
the Stevenage branch of another bank.
I had not telephoned this branch before and went to directory
inquiries to get a phone number.
It soon became clear that the phone number I had been given was
for a call centre in the North of England.
Although my call could have been handled
quite easily over the
telephone, the operator was not able to help. And once again
suggested that I pop into the branch. She explained that one of
the personal bankers at the branch would be able to help me.
I asked her if she could put me through to the personal banker
by telephone. "No," she said. "I can't do that. Our personal
bankers are not allowed to take telephone calls."
What an incredible situation!
What is the point of having local branches if we cannot make a
telephone call to those branches?
How can it be that the banks expect us to make visits to these
branches but not to make telephone calls?
Is there something wrong with my thinking? Or have the banks got
this wrong?
After discussing this with some of my colleagues we came to the
conclusion that we would like to have an additional choice when
we phone the banks.
We would like to hear, "Please press one if you have your credit
card handy and are prepared to pay a small charge to speak to
somebody at your local branch."
And incidentally, I was helping some people just this week with
their telephone communication skills. One of the ladies on the
course is Indian. And I asked to how she felt about phoning a UK
business that her call being received by a call centre in India.
"I just hate it!" She said. "Especially when they give a false
name and try to pretend that they are based in the UK."
Now isn't that interesting.
About the author:
Derek Williams is creator of The WOW! Awards™ an International
Professional Speaker and Chief Executive for the Society of
Consumer Affairs Professionals in Europe.
For more information about Derek Williams visit www.MrWow.co.uk.
For The WOW! Awards (including access to a FREE customer service
newsletter) visit www.TheWowAwards.com
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Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
Credit.com offers a variety of credit related products and services including credit reports and credit scores, credit cards, car loans, home loan and ... |
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Equifax Personal Solutions: Credit Reports, Credit Scores ... |
National consumer credit reporting company that offers credit reports, FICO(R) credit scores and identity theft protection products to consumers and small ... |
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The FTC's web site on Credit |
Credit is much more than a piece of plastic, and the resources on this site can help you become a more savvy consumer. You’ll also find compliance ... |
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Federal Trade Commission - Consumer Credit Center |
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AnnualCreditReport |
Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. |
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Springboard - Non-Profit Consumer Credit Management |
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myFICO - FICO Credit Scores, Online Credit Reports and Identity ... |
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Experian: Free Credit Report and Credit Score, Credit Check ... |
Credit referencing and consumer targeting for the USA and other countries. |
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National Credit Union Administration - Home Page |
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Credit - Wikipedia, the free encyclopedia |
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Credit (finance) - Wikipedia, the free encyclopedia |
Any movement of financial capital is normally quite dependent on credit, ... Sometimes if a person has financial instability or difficulty, credit is not ... |
en.wikipedia.org |
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The National Foundation for Credit Counseling |
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FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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Compare over 300 credit cards, including 0% offers and balance transfers, and make a credit card application online... |
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Ford Credit - Auto financing for Ford, Lincoln and Mercury cars ... |
Ford Credit provides auto financing to finance a lease or purchase a car or truck through Ford, Lincoln or Mercury dealerships. |
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The Credit Card Prank |
In my lifetime, I have made nearly 15000 credit card transactions. ... Credit card signatures are a useless mechanism designed to make you feel safe, ... |
www.zug.com |
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Credit magazine, corporate bonds, derivatives, structured credit ... |
Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
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CUNA: The Credit Union National Association |
News and resource directory about credit unions. |
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Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
credit.about.com |
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