Monday, March 28, 2011
Top 5 Things To Anger The Consumer
As consumers you spend your money, so you want to get your money's worth! You work hard and you want to make the best use of it. Unfortunately, there are many problems that occur that leave you unsatisfied. Below are the top 5 problems the make consumers angry and tips on how to avoid them.
1. Identity Theft - People work so hard to build their credit and the worst thing that can happen does, someone gets your information and makes purchases you did not authorize. The best way to avoid this is to shred everything!! All pieces of information that have personal information should be shredded.
2. Debt Collection - While everyone should pay their bills, it is against the law for collectors to harass you. There are set times that they are allowed to call, 8AM - 9PM. If you tell them to stop calling you at work they have to oblige, and if you write them, they have to stop all together.
3. Internet Services - Consumers sign up for trial memberships and anti-virus protection and spyware services, only to find out how difficult it is to get rid of and that they don't work. Be careful with trials, read the fine print and be ready to wait if you decide to cancel your services.
4. Prizes, Sweepstakes and Lottories - There are over 64,000 complaints a year with individuals thinking they won something they really didn't. What happens is you get information saying you won and you have to pay taxes on it. Supposedly if you pay these taxes you will end up with more money, but you just get more and more scam listings. If it seems to good to be true, odds are, it is. Be careful and don't buy into get rich easy schemes.
5. Shop-at-home sales and Catalog Sales - Over 60,000 complaints are made regarding orders not received, late arrivals, incorrect merchandise and purchase agreements not honored. The only true way to avoid these problems is to shop in store only. But since that takes away convenience, a tip is to only buy from trusted sites, or ones that have been recommended to you.
As safe as consumers try to be, unfortunately there is always someone out there hoping to catch you making a mistake and opening yourself to one of the above consumer problems. One of the best tips is to shred everything once you no longer need it. Keep important documents in a safe location, such as a safe deposit box. Be upfront and assertive with your creditors to reach agreements. Read the fine print in anything you sign up for, that way you won't be surprised in the end. Lastly shop with known business, it saves hassles and gives a little more assurance that you will get what is promised to you, service or product. Happy Safe Shopping.