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Consumer Attack! Taking on Corporations and Winning

Consumer Attack! Taking on Corporations and Winning

    Companies are replacing the old adage “the customer is always right” with “the customer is right, as long as it does not cost the company money or extra effort.” Customers are facing new policies that hamper, frustrate, and limit a customer’s ability and determination to process a complaint, request additional assistance, validate a warranty or receive support for services they have purchased.

    Overcome these barriers, by doing the necessary research, creating an action plan, and by presenting your case in a resolute and concise manner.

    Research

    Before doing anything, be realistic about the seriousness of your complaint. Do not spend days researching and preparing your case, when it is obvious that pursuing a resolution is a waste of your time.

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    If the issue is minor, or major, treat it as such. Your expectations can range from registering a complaint without any expectations of compensation, to the extreme of pursuing a legal settlement.

    Either way, all the relevant information you need will be available on the internet.

    Use the following sites to support your case:

    Resources to review:

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    • Internet forums – Use Google to search out references to similar complaints; these searches will usually lead you to online forums. Use the forums to ask for advice and learn how to resolve your complaint.
    • Disclosures – Some companies must offer a verbal or written disclosure to consumers. Both governments and industry groups can institute these policies and they are in place to protect the consumer, the company, and the industry. Ultimately, if a company does not offer a mandatory disclosure, they can be fined or shutdown for non-compliance
    • Contracts – Your contract will stipulate the specific details of your purchase. They outline the minimum responsibilities and restrictions a company and a client needs to adhere to when they enter into a legal agreement.
    • Government Customer Affairs / Customer Advocacy Groups – These sites list consumer protection polices for the individual States and Provinces in North America. These can include the maximum interest a company can charge on a loan or credit card, examples of dishonest business practices, and contact information to register an official complaint.
    • Class Action Suit – you may be one of hundreds of wronged customers. Moreover, there may be no other alternative other than becoming a plaintive in a mass suit and hope for the best.
    • Corporate Websites – Review what commitments the company has made to   their consumers, the community and shareholders. Also, compare the policies of the retailer and the manufacturer; then decide who is more likely to resolve your complaint.

    Depending on the region, there may be laws that give consumers a period of time in which they can review a contract and cancel the agreement without the fear of incurring any penalties or fees.

    In addition, omitting a necessary written or verbal disclosure during a purchase can invalidate a signed contract.

    It is critical that you create a secure folder that contains all your valid and current warranties, contracts, receipts and disclosures. Do not count on businesses to keep these types of documents on file.

    Plan of Action

    Take a moment to decide how you will present your case. Start by listing your strongest arguments and support your facts with any relevant information you have gathered from your research.

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    A written plan of action will keep you focused, calm, and keep your arguments concise and steadfast. Keeping your story straight is important, because you might have to repeat your story to several different people during the escalation of your complaint.

    Follow these tips before presenting your complaint to a company:

    • Present your argument to your friends and family. Ask for honest feedback and then use that information to decide if you are ready to move forward.
    • Construct a timeline by adding every relevant action taken by you, or the company since you made your complaint.
    • Show your appreciation to anyone at the company who offers to assist you, even if it does not resolve the issue. As you move forward with your complaint, they can become key contacts.
    • Create a list of two or three satisfactory resolution options and present them to the company.  The less wiggle room you give the company the better. Force them to work within your parameters.
    • Remind yourself over and over again of why you deserve a fair and equitable resolution

    Build up your immunity to corporate excuses:

    • Believe that you count, and your business is important to the company.
    • There is no harm in trying, and it is your responsibility as a consumer to fight for your rights
    • Ask for support from your friends or family. Receive moral support by having people sit beside you during a phone call and ask them to assist you in writing a letter.
    • Try to stay calm and strive not to take it personally. Getting upset will only make it harder to get a good outcome.

    Increasing profits and stock prices has become the driving force used in structuring a company’s philosophy and policies. As a result, resolving complaints can now become a form of trench warfare.

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    Counter these obstacles by presenting a case that demonstrates that you are dedicated, knowledgeable, and ready to negotiate a fair settlement.

    (Photo credit: consumers from Shutterstock)

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    8 Things to Watch for If You’re Considering Being Vegetarian

    8 Things to Watch for If You’re Considering Being Vegetarian

    Vegetarianism has been around for a long time, finding favor with many people, including Pythagoras clear back around 580 B.C. It’s been presented as one of the most healthy diets around, including being touted by the Egyptians to the point of abstaining from meat and animal clothing due to karmic beliefs. The vegetarian society (vegsoc.org) defines vegetarianism as:

    “Someone who lives on a diet of grains, pulses, nuts, seeds, vegetables and fruits with, or without, the use of dairy products and eggs. A vegetarian does not eat any meat, poultry, game, fish, shellfish* or by-products of slaughter.”

    While it’s pretty obvious that there are multiple benefits to following a vegetarian diet, it’s always good to be informed about the cons of this dietary choice as well.

    Outlined below are several things you might want to be aware of before you say good-bye to meat forever. Whether you are a current vegetarian, or contemplating making a shift, keep in mind these 8 things to keep yourself healthy.

    1. You could suffer from B12 vitamin deficiency

    The B vitamins are especially important for stress management, adrenal health, and brain function. Vegetarians in particularly are at risk for B12 deficiency. Vitamin B12 is attached to the protein in animal products and without enough B12 you can suffer from depression, fatigue, and an inability to concentrate.

    Due to its attachment to animal proteins, B12 is the hardest for vegetarians to obtain when they don’t eat dairy or eggs in their diet. This essential little vitamin can be found in some algae and has been added to some yeast, but research doesn’t currently provide enough information to say whether or not these forms of B12 are of good quality and can provide adequate supplementation.

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    The body is unable to make this vitamin, meaning it has to be taken in through food or supplementation. Essential for making red blood cells, DNA, nerves and various other function in the body, a Harvard Health Medical report in January of 2013 found symptoms of a B12 deficiency can present in sneaky ways including depression, paranoia, delusion, and loss of taste and smell.

    2.  You could suffer from higher states of anxiety/depression, lower sense of well-being

    According to a CBS Atlanta report, vegetarians suffered from a higher rate of anxiety and depression than their counterparts. Read the full report here. Depression and/or anxiety can be a result of many possible deficiencies including essential vitamins and amino acids you can find only in meat products, including Omega-3s from wild caught salmon.

    Without the correct supplementation and proper understanding of diet, including the importance of micro and macro nutrients, depression and anxiety can become a serious problem, bringing down the overall health and well-being of vegetarians.

    Even though reports on health and lifestyle show vegetarians have a lower BMI and lower consumption of alcohol and drugs, it also shows they suffer from more chronic illnesses and more visits to the doctor than their meat eating counterparts.

    3. You could suffer from excess weight

    When you go vegetarian it opens up a lot of food, but just because there isn’t any meat in front of you, it doesn’t mean it’s necessary healthy. Though pizza and beer technically fall under the vegetarian diet, it’s not a healthy choice for your waist line.

    Just because being a vegetarian is associated with a healthier lifestyle in many cases, doesn’t mean it’s always true. Making bread and pasta your staples and not understanding where your protein sources should be coming from, can pack on body fat, which increases your chances of health issues such as diabetes and chronic inflammation.

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    If the choice to go vegetarian happens on a whim without the proper understanding of food control, portion, and nutritionally dense alternatives you can find yourself reaching for vegetarian foods, which could cause serious problems down the road. Nuts are a good example, but just because something is touted as healthy, it doesn’t mean, your should eat it in excess.

    Eating too many calories in fat will still cause you to gain weight. Eating too many calories in carbs will cause you to gain weight. Eating too many calories in protein will cause you to gain weight. See a pattern here? Not to mention you’ll miss out on important nutrients the body needs by over-eating in one area and under-eating in another. Re-read number 2.

    4. You could have a higher risk of heart disease

    Eating plenty of fruits and vegetables should be a goal we all strive for, but when you cut out meat, you also cut out what is known as complete protein, which you find in animal by-products. Complete means more than just the essential amino acids, it means those amino acids contain dietary sulfur. Without enough dietary sulfur, which is found almost exclusively in fish and pasture feed grass beef, the body will struggle with the biological activities of both protein and enzymes.

    The effects cascade downward, effecting bones, joints, tissues, and even metabolic issues. In short, a low intake of sulfur associated with a vegetarian diet can result in high blood levels of homocysteine, which may lead to blood clots in your arteries, blood clots raise your risk of stroke and heart attack. To read the full report click here.

    5. You could suffer from low cholesterol

    I know, at first you’re thinking, wait, low cholesterol is a good thing. Yes, it is, when it’s LDL cholesterol, which you get from eating an unhealthy diet, but low HDL (good cholesterol) can cause serious health issues. HDL, according to the mayo clinic, is in every cell in our body and can help fend off heart disease, not enough of it though, and too much LDL can go the other way, will be building up plaque in the arteries and leading to heart disease.

    Cholesterol, the good kind, is actually vitally important to the making of every steroid hormone in the body! There are six, and without cholesterol the body is unable to convert hormones, and it can cause damage in the endocrine system.

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    A vegetarian without a balanced diet, meaning enough protein, enough veggies, and enough good fats, could disrupt his or her adrenals, which are directly connected to the endocrine system and the body’s ability to make and synthesize the hormones your body needs. The six major hormones in the body help do everything from metabolizing carbohydrates, to the electrolyte balance, to making sure if you’re a woman you can carry a healthy baby through pregnancy.

    6. You could suffer from lower bone density and osteoporosis.

    Osteoporosis, the disease where the bones get thinner, weaker, and fractures become a high risk with day to day movements. It’s often associated with the older generation, but your risk for osteoporosis increases with a lower bone density. Bone density can be directly related to diet and lifestyle, along with many other factors.

    When it comes to eating a vegetarian diet it’s possible to miss getting enough of the right nutrients, causing the bones to begin to break down. If your vegetarian diet isn’t balanced and providing you with the correct nutrients and the means to absorb the correct nutrients, your body could begin to break down.

    Recently, Professor Tuan Nguyen of Sydney’s Garvan Institute of Medical Research led a review of both Australian and Vietnamese research around the bone density of vegetarian versus their meat eating counterparts. Helping Professor Nguyen was Dr. Ho-Pham Thuc Lan from Pham Ngoc Thac University of Medicine in Vietnam. The review was designed to sort though years of research surrounded by discrepancies and inadequate clinical data.

    At the end of the review, with vegetarianism rising to around 5% of the populace in the western continents, and with wide spread osteoporosis reports – 2 million in Australia and closer to 54 million in America – the decrease in bone density of vegetarians is a serious issue which needs to be addressed, if you’ve cut meat and animal by-products out of your life.

    7. You could be at a higher risk for colorectal cancer

    Cancer seems to be running rampant through America, and it’s within everyone’s best interest to do all they can to keep their body healthy and happy to prevent cancer from finding a place to grow. In most studies it’s been found vegetarians are at lower risk for cancer, but a European Oxford study with over 63 thousand men and women in the United Kingdom found the risk for colorectal cancer higher in vegetarians than in meat-eaters.

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    Extra care needs to be taken when establishing a diet to ensure the body is receiving and able to up take all the important nutritional benefits and requirements from food.

    8. You could end up eating more processed food

    Depending on how deep you choose to go as a vegetarian, it could create the need to substitute a lot of food and recipe ingredients in your diet, but what happens when you cut out meat, eggs, and dairy and your recipe calls for meat, eggs, and/or dairy? You have to end up using a “healthy” vegetarian alternative which include stabilizers, thickeners, and various other ingredients you can’t pronounce.

    Lauren from Empowered Substance puts it into a great perspective with her comparison of Earth Balance, a vegetarian approved butter replacement compared to butter. She points out the ingredients in Earth Balance consist of: Palm fruit oil, canola oil, safflower oil, flax oil, olive oil, salt, natural flavor, pea protein, sunflower lecithin, lactic acid, annatto color. Meanwhile, the ingredient list in butter, is much shorter. It’s butter.

    That’s only one example. To appeal to the vegetarian lifestyle food manufacturers have found alternatives which fall under vegetarian, but aren’t necessarily healthy for you. Consider baked goods, which though vegetarian can be filled with more sugars and binders than regular baked goods with diary products. It’s the same with vegetarian items like mac and cheese, without using real cheese you may just be getting oil and thickeners, without even the smallest amount of nutritional value.

    The reality is, most vegetarian substitutes contain the same junky alternatives which even meat eaters should be avoiding to remain happy and healthy.

    On one final note, whichever lifestyle you choose to work with, remember anything in excess – including protein and animal by products – isn’t healthy for the body. It takes a wide spectrum of food and nutrients to keep the beautiful body you travel around in all day running in prime condition.

     

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