Budget Rent A Car – Review in Rentals category from Buffalo,

#cheap rental car
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Budget Rent A Car – Review in Rentals category from Buffalo, New York

(716) 632-4662DirectionsWebsite

MORE INFOREVIEWS(1)

Hours

Regular Hours

Mon – Sun

Open 24 Hours

Extra Phones

Call us Toll Free. (800) 283-4389

General Info

Budget Rent A Car of Buffalo saves car rental customers time and money by offering the most diverse fleet in WNY. Services like GPS, E-tolls, E-receipts, and Fastbreak make renting a car easy.

Budget Rent a Car of Buffalo is an independent licensee of the Budget Rent a Car system and is certified by the State of New York as a Women Owned Business Enterprise.

All our vehicles include Air Conditioning, Power Windows, Cruise Control, and CD players! Some vehicles may also have:

Bluetooth Capability

Auxiliary Jacks

Power Seats

Heated Mirrors

Sunroofs

Heated Seats

and more!

Budget also maintains a 100% smoke-free fleetand any type of smoking (pipe, cigarette, cigar, etc) is prohibited in all our vehicles so that you can have a clean, fresh smelling vehicle.

We also offer GPS, Child Safety Seats, Booster Seats, and Moving Supplies for an additional charge. If you need directions, just ask our customer service representatives at the counter and they will be happy to help you find your way!

Look for the Budget Rent a Car sign approximately 100 ft. after the end of the 33 East on Genesee Street directly across from the Buffalo Niagara International Airport on your right hand side!

more »

Services

Budget Rent a Car of Buffalo offers the most diverse fleet in WNY! Choose from Economy Cars to SUV’s, Passenger Vans, and Trucks. We have:





23/12/2017

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Consumer Confidence In Banking Takes A Hit #hotel #and #car #deals

#cheap airline tickets with hotel
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Consumer Confidence In Banking Takes A Hit

A recent survey has shown that consumers’ confidence in banks has taken a real hit, with one of the major causes of this decreasing confidence thought to be the recent situation with Northern Rock. According to the results of the survey close to 25% of Brits state that they do not trust lenders, and less than 50% thought that high street banks could be trusted. The turmoil and chaos that erupted after Northern Rock was found to have taken a loan from the Bank of England, fuelling rumors of a near collapse and resulting in many of the bank’s 1.5 million savers withdrawing billions of pounds worth of savings.

As a result of this situation the Bank of England has stepped up assurance over the guarantee of savings of Northern Rock customers, as well as the savings of customers with other banks that fall into a similar situation. However, it seems that these assurances have done nothing for consumer confidence in banking, with over fifty percent stating that they no longer trust high street banks.

The survey revealed that of the 2484 people interviewed only 46% now trust high street banks. Building societies fared a little better, with 48% expressing confidence in building societies. Online banking has also taken a knock, with experts stating that reduced access to online bank accounts by Northern Rock customers also affecting this area of banking. Only 25% of consumers now trust online banking according to the survey results.

One industry professional stated that consumer confidence in banking and finance was already fairly low, and added that the recent turmoil with Northern Rock has contributed to this lack of confidence. It is not just the banking industry that has taken a knock, however, according to professionals. Lenders across the whole financial sector have been affected by lower levels of consumer confidence. It is thought that this could be as the result of problems throughout the whole of the financial sector, which has stemmed from the credit crunch sparked in the sub-prime sector in the Unites States, which has resulted in global repercussions.





17/11/2017

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Consumer Traveler #where #to #get #cheapest #airline #tickets

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The high price you pay for the cruise industry s profits

For anyone planning on cashing in on a free cruise. Here is an outline of what some of the extra charges may be that will make free seem a bit misleading.

Better hotel rooms, endangered Dartmoor ponies, miserable airports

How hotel chains design and test better rooms. Painting endangered Dartmoor ponies to save them. Why does the USA have such miserable airports?

5 ways you could still escape to the warmth this holiday season

Every year, a few of my travel agency s clients are shocked shocked! when I tell them the holidays are a busy time for travel. They assume everyone wants to be home with their families. Amazingly, some people want to get away from families.

Airlines race to the bottom, bridge problems, a timelapse safari

Airlines race to the bottom when it comes to coach service. Bridge problems are statistically better, but still a problem. Enjoy dramatic timelapse photography of an African safari.

Top 10 tips for getting thrown off a plane flight

It seems as though we read about passengers refused boarding or getting thrown off their flights weekly, even after the plane has left the gate. Ned Levi discusses the 10 top reasons passengers are kicked off their flights.





17/11/2017

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Travel Agents – know your rights – Consumer NZ #flight #and

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Travel agents

What are your rights if something goes wrong with the holiday you booked through a travel agent?

When you book a plane ticket or a hotel room, your contract is with the airline or hotel. The travel agent who handles the bookings has the job of arranging the contract.

But travel agents remain responsible for their own work, and must carry it out according to the standard of “reasonable care and skill” required by the Consumer Guarantees Act. The Fair Trading Act also applies. They cannot mislead you. But other problems can arise.

When you book

Make sure your agent knows your requirements. If you have special needs, put them in writing and keep a copy for yourself. If you amend your plans, let the agent know in writing.

Be sure to read all the small print on brochures and always ask about the booking conditions before you sign anything or hand over money. Check all your documents as soon as you get them.

Make sure you have suitable travel insurance.

If things go wrong

If you’re away, contact the nearest representative of the tour operator and give them the opportunity to rectify the situation at the time. If you’re not satisfied, let them know, and follow it up when you get home.

Make notes about any problems you want to take up and, if it’s appropriate, take photos and get the contact details of others who will support your case. Keep receipts and any documentation that will help with a claim for compensation.

When you complain

Write to the agent, wholesaler or tourist operator directly and give then the opportunity to put things right. Include copies of all relevant receipts and other documents.

If you think you are due compensation, add up how much the problem cost you in real terms and estimate the value of lost opportunities.

If you cannot reach a settlement with the company, write to TAANZ. It doesn’t pay compensation, but it may reprimand the agent if there has been a breach of its code of ethics or rules.

If the company still won’t pay, take your case to a Disputes Tribunal. This is relatively cheap and there are no lawyers involved.

Tricky questions

You paid in advance for a once-in-a-lifetime adventure in Patagonia, but the airline never got the money and now the agent has gone out of business. Can you get your money back?

TAANZ will pay up to $250,000 for unticketed bookings if a member agency goes bust.

Yes, if you booked with a bonded member of the Travel Agents Association of New Zealand (TAANZ). But probably not, if your agent is not bonded.

TAANZ will pay up to $250,000 for unticketed bookings if a member agency goes bust. This would cover all or most outstanding ticket monies. But note that TAANZ won’t pay for bad service. Some agents have their own bond schemes, but most belong to the TAANZ system.

With an unbonded agent, you will have to stand in line as an unsecured creditor, and you’ll be lucky to see any of your money at all.

You have booked and paid the deposit on a holiday package to Belfast. But now the agent says it’s wonderful what peace will do for a country’s tourism, and wouldn’t you know it, the price has gone up. Do you have to pay the extra?

Probably. When you paid the deposit you formed a contract with the wholesaler or tour company, and this will have included your acceptance of the booking conditions. Most agents and wholesalers reserve the right in their conditions to pass on price increases.

But they must give you the chance to read the conditions before you sign. If they don’t make you aware of them, or lead you to think there will be no price increase and then charge you one, they are at fault. You shouldn’t have to pay the extra.

At the end of a very tiring week in Beijing you arrive at the airport and, even though you phoned to reconfirm your flight as required, you discover you’ve been “bumped”. There’s no seat for you. What can you do?

This has nothing to do with your travel agent. Airlines know some travellers won’t turn up so they often overbook planes. It’s their responsibility and there are international agreements set in place as to what they must do for you. In this case they should make arrangements for further flights, accommodate you and compensate you for any losses you incur.

You probably won’t get anything if the delay is short, but if that missed Beijing flight means you miss the Hong Kong connection to Auckland as well, the airline will have to sort it out.

You’re going to treat yourself to a week in the sun in New Caledonia, but right after you pay the deposit, your car dies. You need a car; you don’t need the holiday. Can you get your money back?

It depends on your contract. Most specify there will be a cancellation fee and how much it will be. Very often you will lose all your deposit. Some contracts are so tough, if you cancel close to your departure date you will lose most of what you have paid for the fare.

Always check the contract before you book. Your travel agent should point out the cancellation details to you at the time of booking and suggest travel insurance if appropriate.

Your hotel bookings in London’s West End are confirmed, but when you arrive with your voucher the proprietor says the hotel is full. He sends you to another he owns near Battersea. It’s still London, but it’s nowhere near the theatres and restaurants you had so wanted to be close to. What can you do?

Again, this is not your agent’s fault. You will have to do your fighting with the hotel or, if the accommodation is part of a tour package, with the wholesaler who runs the package. Check the booking conditions of your tour as some reserve the right to change accommodation and tour details as necessary.

You have prepaid your ferry ticket to your Greek island resort but when you arrive at the ferry you discover you have no voucher for it. You haven’t misplaced it, the agent didn’t give you one. What can you do?

You’ll have to pay again. But keep the receipt and claim the fare back from your travel agent when you get home.

You book a holiday in Thailand intending to go diving. You made your intentions very clear to the agent, to the point of asking about the hire of diving gear. But when you arrive you discover it is the monsoon season, there are no dive trips running and that this is normal for this time of the year.

If you have made your intentions clear to the agent, they have not performed their job with reasonable skill and care. Nor have they provided you with a holiday that was “fit for its purpose”. You can claim compensation. But if they advised you against the trip and you ignored this, the responsibility is yours.

You want to take the family to Vanuatu, and ask the agent to check whether childcare is available. In your presence he rings the wholesaler, who says it is always available. But when get there, you discover the childcare programme only runs in the peak season. This is not the peak season. Who is responsible?

The wholesaler. You should try for compensation.

You have booked and prepaid a rental car in France. When you turn up, you are met with a wall of Gallic shrugs. The company, it seems, has gone bust. What can you do?

Call your travel insurer. If the car-hire firm went out of business after you confirmed your arrangements, they should compensate you for alternative arrangements and may even make them for you.

If your agent booked you with a company that was already out of business, it will have to pick up the tab.

The agent tells you your departure tax has been included in the cost of your air ticket. But your ticket doesn’t show this and the friendly but very firm staff at the airport insist you pay again. What can you do?

Pay, or they won’t let you on the plane. Make sure you keep your receipt and claim from the agent when you return.

You thought travel agents worked for the airlines and hotels. So how come they want to charge you a fee?

Travel agents are paid on commission by the companies selling travel and accommodation. But many of those commissions have fallen recently, and some agents are making up for this by charging customers directly.

This changes their legal responsibility. If you pay for advice, for bookings to be made or tickets issued, the agent will have more direct liability if something goes wrong.

You asked a travel agent to get you to Europe and it turns out the best deal involves a stopover in China. When you get there you are not allowed in the country because you don’t have a visa. Shouldn’t the travel agent have sorted this?

You should always double-check that you have the right visa to enter, travel and/or work in the country you are headed to. This is primarily your responsibility. However, if you asked the agent to specifically sort this out for you, then make a claim for compensation from the agent.





11/11/2017

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Credit Information Business #consumer #credit #reports, #commercial #credit #reports, #real-time #credit


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Consumer Reports

Equifax Consumer Reports deliver predictive consumer data to support more profitable decisions, help mitigate risk and maximize growth opportunities. With access to current personally identifiable information for over 210 million consumers, Equifax Consumer Reports deliver an immediate, comprehensive view of a consumer backed by industry-leading data depth and reliability. Understand the consumer from the most predictive perspective available with actionable data that includes tradelines and inquiries. Equifax Consumer Reports combine unmatched delivery speed and data integrity to drive more confident decisions.

Consumer Tri-Merge Reports

Equifax helps you leverage relevant and actionable consumer information that provides unprecedented insight into a borrower’s credit capacity, credibility and collateral to help you make sound risk and regulatory decisions in today’s economy. Credit*Hi-Lite™, our flagship tri-merge credit report, provides current, reliable consumer credit data from all three major credit reporting agencies and allows you to better mitigate risk throughout the entire mortgage life cycle.

Business Credit Reports

Knowing more about your business prospects, customers and vendors helps you make more confident decisions and set terms that optimize profitability while minimizing risk. From verified business identities and detailed credit history to business owner and corporate linkage, Equifax Business Credit Reports give you the deepest level of insight into the validity, financial stability and performance of more businesses. Whether you need domestic or international business credit reports, Equifax offers vast coverage and depth of business credit information, with an unmatched focus on the critical small business segment.

Business Credit Reports for Small Business

Make sure you know who you’re doing business with before you sign a contract with a new business partner, create a purchase order with another supplier, or ship that big customer order. Engaging with high risk businesses could result in financial losses or operational headaches you don’t want or need.

Checking the credit history and financial well-being of a business first can provide the in-depth information you need to make smart business decision. Business Credit Reports start at $99.95 — Get started today.


04/10/2017

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Identity Theft #consumer #reports #identity #theft


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Identity Theft

What is Identity Theft?

Identity Theft occurs when someone takes or uses another person’s personally identifying information such as their name, social security number, driver’s license or financial account information. If you have been the victim of identity theft, it could mean someone has used your name to:

  • Make purchases
  • Get credit cards
  • Rent an apartment
  • Obtain utilities without your permission
  • Purchase a vehicle
  • Get a loan
  • Receive medical services
  • Re-route your mail or
  • Impersonate you during contact with law enforcement.

Identity Theft may also include someone writing checks using your name or financial account information. Your information could be wrongfully obtained if your checkbook is stolen or if someone obtained access to your checking account electronically. Use of an ATM card or credit card that you did not approve is also Identity Theft. In some cases, Identity Theft occurs within families to children, seniors, and domestic violence survivors.

How Might it Impact Me?

Being the victim of an Identity Theft can be a complicated and frustrating time in your life.

Even if you are able to resolve a financial Identity Theft issue with your bank, this use of your name and credit history can result in you getting collection letters for things you did not purchase. It can also result in unfavorable entries on your credit report, causing you problems in getting credit or paying a higher interest rate.

What Can I Do?

  • File an Identity Theft Report with the Federal Trade Commission to obtain an Identity Theft Affidavit.
  • File a report with your local county or city law enforcement agency. You do not need to know the name of the person who used your identity. You can show the police the information you have such as debt collection letters or other indications that you are the victim of this crime.
  • Notify all three credit reporting agencies and every debt collector that has contacted you. The Federal Trade Commission has created letters in this booklet . that consumers can use to notify a debt collector or credit bureau of the theft of your identity. To use the letters, you must first report the crime of identity theft to your local city or county law enforcement agency.

01/10/2017

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How to Buy Travel Insurance – Consumer Reports #israel #travel

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Maybe, if there are gaps in your auto, health, life, or homeowners policies. But buy wisely.

Overlapping coverage

Almost $2 billion in travel insurance is sold each year for several what ifs: You need to cancel a trip because of illness, the death of a relative, or bad weather; your belongings are lost or stolen; your traveling companion dies; or you need emergency medical care. Premiums depend on the age of the travelers, the type of coverage, and the trip’s cost. For a standard policy you’ll pay about 5 to 7 percent of the cost of the trip, according to the Insurance Information Institute. Tour operators, cruise-line reps, and travel agents sell two-thirds of the travel policies, and they collect commission on them.

But coverage may be unnecessary if you already have protection through homeowners, auto, life, or health insurance. Credit-card benefits and consumer-protection laws also may help. Bob Hunter, director of insurance at the Consumer Federation of America, says travel insurance is often not worth the price. “Don’t buy insurance that covers small, manageable losses or only a slice of risk,” he says.

For example, losing some of your belongings won’t break you financially, so keep a close eye on your valuables and be ready to accept losing less-valuable stuff. Still losing sleep? Narrow in on what you’re worried about, and see if your insurance or credit cards cover you. Then be flexible. “If you’re worried about dying in a plane crash,” Hunter says, “you should get term life insurance rather than flight insurance, because you might die in a car crash.”

If you’ll be traveling overseas, your health insurance might not provide coverage should you need to see a doctor or be evacuated to a hospital, the insurance institute says. Medicare generally doesn’t cover health-care expenses outside the U.S. although some Medigap policies do. So you might want to consider a medical travel-insurance policy.





25/09/2017

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How does a GPS tracking system work? #automotive #designline, #communications #and


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How does a GPS tracking system work?

Global Positioning System (GPS) is a worldwide radio-navigation system formed from the constellation of 24 satellites and their ground stations. The Global Positioning System is mainly funded and controlled by the U.S Department of Defense (DOD). The system was initially designed for the operation of U. S. military. But today, there are also many civil users of GPS across the whole world. The civil users are allowed to use the Standard Positioning Service without any kind of charge or restrictions.

Global Positioning System tracking is a method of working out exactly where something is. A GPS tracking system, for example, may be placed in a vehicle, on a cell phone, or on special GPS devices, which can either be a fixed or portable unit. GPS works by providing information on exact location. It can also track the movement of a vehicle or person. So, for example, a GPS tracking system can be used by a company to monitor the route and progress of a delivery truck, and by parents to check on the location of their child, or even to monitor high-valued assets in transit.

A GPS tracking system uses the Global Navigation Satellite System (GNSS) network. This network incorporates a range of satellites that use microwave signals that are transmitted to GPS devices to give information on location, vehicle speed, time and direction. So, a GPS tracking system can potentially give both real-time and historic navigation data on any kind of journey.

GPS provides special satellite signals, which are processed by a receiver. These GPS receivers not only track the exact location but can also compute velocity and time. The positions can even be computed in three-dimensional views with the help of four GPS satellite signals. The Space Segment of the Global Positioning System consists of 27 Earth-orbiting GPS satellites. There are 24 operational and 3 extra (in case one fails) satellites that move round the Earth each 12 hours and send radio signals from space that are received by the GPS receiver.

The control of the Positioning System consists of different tracking stations that are located across the globe. These monitoring stations help in tracking signals from the GPS satellites that are continuously orbiting the earth. Space vehicles transmit microwave carrier signals. The users of Global Positioning Systems have GPS receivers that convert these satellite signals so that one can estimate the actual position, velocity and time.

The operation of the system is based on a simple mathematical principle called trilateration. Trilateration falls into two categories: 2-D Trilateration and 3-D Trilateration. In order to make the simple mathematical calculation the GPS receiver must know two things. First it must know the location of the place is to be traced by at least three satellites above the place. Second, it must know the distance between the place and each of those Space Vehicles. Units that have multiple receivers that pick up signals from several GPS satellites at a same time. These radio waves are electromagnetic energy that travels at the speed of light.

A GPS tracking system can work in various ways. From a commercial perspective, GPS devices are generally used to record the position of vehicles as they make their journeys. Some systems will store the data within the GPS tracking system itself (known as passive tracking) and some send the information to a centralized database or system via a modem within the GPS system unit on a regular basis (known as active tracking) or 2-Way GPS.

A passive GPS tracking system will monitor location and will store its data on journeys based on certain types of events. So, for example, this kind of GPS system may log data such as where the device has traveled in the past 12 hours. The data stored on this kind of GPS tracking system is usually stored in internal memory or on a memory card, which can then be downloaded to a computer at a later date for analysis. In some cases the data can be sent automatically for wireless download at predetermined points/times or can be requested at specific points during the journey.

An active GPS tracking system is also known as a real-time system as this method automatically sends the information on the GPS system to a central tracking portal or system in real-time as it happens. This kind of system is usually a better option for commercial purposes such as fleet tracking or monitoring of people, such as children or elderly, as it allows a caregiver to know exactly where loved ones are, whether they are on time and whether they are where they are supposed to be during a journey. This is also a useful way of monitoring the behavior of employees as they carry out their work and of streamlining internal processes and procedures for delivery fleets.

Real-time tracking is also particularly useful from a security perspective as it allows vehicle owners to pinpoint the exact location of a vehicle at any given time. And, the GPS tracking system in the vehicle may then be able to help police work out where the vehicle was taken to if it was stolen.

Mobile Phone Tracking

The development of communications technology has long since surpassed the sole ability to access others when they are mobile. Today, mobile communication devices are becoming much more advanced and offer more than the ability to just carry on a conversation. Cell phone GPS tracking is one of those advances.

All cell phones constantly broadcast a radio signal, even when not on a call. The cell phone companies have been able to estimate the location of a cell phone for many years using triangulation information from the towers receiving the signal. However, the introduction of GPS technology into cell phones has meant that cell phone GPS tracking now makes this information a lot more accurate.

With GPS technology now more commonplace in many new smartphones, this means that the location of anyone carrying a GPS enabled smartphone can be accurately tracked at any time. Cell phone GPS tracking can therefore be a useful feature for business owners, parents, friends and co-workers looking to connect with one another. GPS Tracking Apps (www.gpstrackingapps.com) provides a suit of Apps for the iPhone, iPad, Android, Blackberry and latest Samsung operating system bada all of which can be used to track one another on a location-based social networking portal or from phone to phone.

The technology of locating is based on measuring power levels and antenna patterns and uses the concept that a mobile phone always communicates wirelessly with one of the closest base stations, so if you know which base station the phone communicates with, you know that the phone is close to the respective base station.

Advanced systems determine the sector in which the mobile phone resides and roughly estimate also the distance to the base station. Further approximation can be accomplished by interpolating signals between adjacent antenna towers. Qualified services may achieve a precision of down to 50 meters in urban areas where mobile traffic and density of antenna towers (base stations) is sufficiently high. Rural and desolate areas may see miles between base stations and therefore determine locations less precisely.


21/09/2017

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Budget Rent A Car – Review in Rentals category from Buffalo,

#cheap rental car
#

Budget Rent A Car – Review in Rentals category from Buffalo, New York

(716) 632-4662DirectionsWebsite

MORE INFOREVIEWS(1)

Hours

Regular Hours

Mon – Sun

Open 24 Hours

Extra Phones

Call us Toll Free. (800) 283-4389

General Info

Budget Rent A Car of Buffalo saves car rental customers time and money by offering the most diverse fleet in WNY. Services like GPS, E-tolls, E-receipts, and Fastbreak make renting a car easy.

Budget Rent a Car of Buffalo is an independent licensee of the Budget Rent a Car system and is certified by the State of New York as a Women Owned Business Enterprise.

All our vehicles include Air Conditioning, Power Windows, Cruise Control, and CD players! Some vehicles may also have:

Bluetooth Capability

Auxiliary Jacks

Power Seats

Heated Mirrors

Sunroofs

Heated Seats

and more!

Budget also maintains a 100% smoke-free fleetand any type of smoking (pipe, cigarette, cigar, etc) is prohibited in all our vehicles so that you can have a clean, fresh smelling vehicle.

We also offer GPS, Child Safety Seats, Booster Seats, and Moving Supplies for an additional charge. If you need directions, just ask our customer service representatives at the counter and they will be happy to help you find your way!

Look for the Budget Rent a Car sign approximately 100 ft. after the end of the 33 East on Genesee Street directly across from the Buffalo Niagara International Airport on your right hand side!

more »

Services

Budget Rent a Car of Buffalo offers the most diverse fleet in WNY! Choose from Economy Cars to SUV’s, Passenger Vans, and Trucks. We have:





31/08/2017

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Credit Data Reporting Services for Data Furnishers #credit #data #reporting, #consumer


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Credit Data Reporting Services

Winning with data reporting

For us, it s all about promoting a healthy credit eco-system for everyone.

Reporting consumer data to credit bureaus is essential for your customers to reach their financial goals and imperative for you to grow your business. By reporting credit data to Experian, you can:

  • Reduce risky lending decisions With access to more comprehensive credit data, lenders have a more accurate picture of a consumer s behavior and can make more informed and less risky decisions.
  • Minimize delinquencies and collections Other credit grantors may offer credit to your customer, not knowing that the customer already has an obligation to you. This may result in your customer getting over-extended and negatively impact their ability to pay you.
  • Increase on-time payments and collect bad debt When customers know that their lenders report, they are more likely to pay on time. You can also encourage late payers to resolve outstanding debts before delinquency affects their credit.
  • Improve your customers experiences and cross-sell By reporting positive data about your customers, you can reward good behavior and extend additional credit for other products and services.
  • Align with regulatory expectations and industry best practices While credit data reporting is voluntary, you can align with regulatory priorities and best practices to help and protect the consumer throughout their financial journey.

Reporting credit data to Experian is fast, simple and easy and we ll help you every step of the way. Call us: 1 800 831 5614, option 3

For information on Experian s Business Data Reporting Program, please visit http://www.experian.com/datareportingbusiness

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28/08/2017

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Extended Auto Warranty – Vehicle Service Contract Info Center #extended #auto


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Vehicle Service Contract Information Center

Welcome to ExtendedAutoWarranty.com, home of the Internet’s largest library of resources on extended auto warranties. We are an independent team of researchers, reviewers, and auto protection experts. We provide unbiased and honest information that we publish ourselves as well as material found on the Internet that has been deemed relevant and reputable.

It is our mission to provide consumers with the advice they need without the hassle of finding it.

Because so many “review sites” and “information resources” provide opinions that have been influenced by the company under review, it is difficult to find a straight answer to your questions. We scour the Internet, call every company, and compile then share our research outcome with you. At ExtendedAutoWarranty.com, you get all the advice you need and none of the bias that you don’t.

We were like you once: Owning a car with repairs that we could barely afford, constantly searching for a better way to deal with costly repair bills. But one thing we found extremely difficult was getting information that was not only truthful but unbiased. We found dozens of websites claiming to provide information on the extended warranty industry that contained less-than-credible resources. As a result, we brought this website to life. And by doing so, we became the #1 Consumer Extended Vehicle Protection website on the Internet.

Extended Auto Warranty Companies Reviewed

Finding the best plan at the right price is not easy so you’ll have to take time to shop around. Of course you have to first decide if you actually need the warranty. This will depend on personal preferences and how much of the future risks you are willing to take care of. While most cars will require numerous repairs for as long as you own them, some will need no more than routine maintenance. Then there are those that will require unexpected but very expensive repairs. Just like when purchasing a vehicle, the best way is to compare different options on the internet. Fortunately, there are independent companies that review and rate extended auto warranty providers for clients.

Extended auto coverage is available for new as well as used cars. Since new cars come with a factory warranty, the need for extended coverage largely depends on how long you intend to keep the vehicle. For example, most factory plans usually last three years or up to 36,000 miles. Now if you intend to keep the car for two or three years, purchasing an extended warranty may make little sense. However, if you plan on keeping the car for a long time after the factory warranty expires then it’s a good idea to extend your protection. If buying a used car, there is a high probability that the factory coverage plan will not be transferable or will have expired so you’ll need extra protection.

It’s always good to know what is covered, and what’s not covered by the Vehicle Service Contract you intend to buy. Does it cover wear and tear? What about breakdown? Under breakdown, some warranties cover only the parts that break. But you know well that not all parts fail due to breakdown so such a policy will be less inclusive than is desirable. Some policies extend coverage to parts that wear out with time under the “wear and tear” subtitle. Again, not all extended policies have this feature. Some contracts do not cover ABS brakes and most of them don’t cover overheating. Transmission, engine, seals and gaskets, drive axle assembly and turbocharger/superchargers will usually be covered, though it is better to fully explore specific options before committing to a plan.

Some companies require that you pay the repair and submit a receipt to the warranty provider for reimbursement. While this is not a bad idea, you may sometimes have to wait for weeks or even months before you get your money back. Then there are those that pay the repair shop directly and almost immediately. For purposes of convenience, never purchase warranties that don’t pay the shop directly.


23/08/2017

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Business Sell Canada – Find Businesses For Sale sorted by Category


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  • Accommodation Recreation (63)
    Hotel, Resort, Camping, Trailer Park.
  • Advertising Directories (3)
    + Marketing, Printing, Signs, On-line.
  • Animals Pet Care (8)
    + Grooming, Supplies, Ranches, Training.
  • Art, Antiques Gifts (13)
    + Collectables, Souvenirs, Art Gallery.
  • Automotive Sales Service (19)
    + Car Rentals, Salvage, Tires, Garages.


  • Biotechnology Pharmaceuticals (-)
    + Drug Store, Medical/Sports Clinics.
  • Building Materials Hardware (19)
    + Lumber Yard, Construction Equip’t.
  • Business Services Supplies (28)
    + UPS, Print, Junk, Cleaning, Office Prod.


  • Chemicals Plastics (-)
    + Chem Manuf, Cleaning Prods, Die Mold.
  • Children Youth (15)
    + Pre-school, Playground, College, Toys.
  • Cleaning Decorating (21)
    + Maid Serv, Renos, Janitor, Painter.
  • Clothing Textiles (12)
    + Fashion, Bridal, Dry Clean, Manufacture.
  • Computer Hardware Software (3)
    + Games, Programs, Cellular, Websites.
  • Construction Maintenance (38)
    + Inspect, Landscape, Renos, Plumb/Elect.
  • Consumer Goods Services (14)
    + Bottle Depot, Ink Refill, Sears, Vacuum.
  • Contracting Trades (38)
    + Reno, Inspect, Elect/Plumbing, Carpentry.
  • Customer Service (8)
    + Cleaning, Restore, Snow Remove, Taxi.


  • E-Commerce Internet (9)
    + Websites, On-line stores, Web services.
  • Education Training (13)
    + Learning Ctr, Career Coll, Tutoring.
  • Electronics Electrical (5)
    + Industrial Ctrls, Automation, Audio Eq’t.
  • Energy Environment (4)
    + Power prods, Recycling, Furnace/Wood.
  • Entertainment Arts (12)
    + Pub, Playground, Paintball, Theatre.


  • Farming, Fishing Forestry (8)
    + Outfitting, Fences, Nursery, Ranch.
  • Financial Services Investing (3)
    + Franchises, Tax prep, Investments.
  • Food Related Products (93)
    + Supermarket, Bakery, Food Package.

  • Health Beauty (30)
    + Fitness, Gym, Health Food, Wellness/Spa.
  • Home Based Business (34)
    + Handicraft, Vending, Cleaning, Inspect.
  • House Garden (19)
    + Clean, Lawn, Garden Ctr, Furniture.
  • Hospitality Food Service (95)
    + Banquet, Bar, Resort, Hotel, Food Trk.

  • Industrial Manufacturing Service (26)
    + Machine Shop, Sht Metal, Quarry, Ctrls.
  • Information Technology (2)
    + Computers, Office Prod, System Int.
  • International Business Trade (2)
    + World-wide, Export Distrib, Website.

  • Management Human Resources (1)
    + Employment Agency, Business Mgmt.
  • Marketing Advertising (11)
    + Real Estate Agency, Printing, Sign Mfg.
  • Media, Graphics, Film Video (3)
    + Sign Mfg, Graphic/Web Design, Photo.
  • Mining, Metal Resources (2)
    + Oil Field Servs, Quarry, Gravel Haul.

  • Personal Services Products (35)
    + Spa/Tan, Health, Flowers, Hse Clean.
  • Professional Services Consulting (15)
    + Bookkeep, Invest, Engineer, R.E.
  • Publishing, Printing News (9)
    + Newspapers, Print Shop, Web Blog.

  • Real Estate Rental Buildings (26)
    + Apt, Storage, Motel, inc Home/Land.
  • Recreation, Resorts Camping (22)
    + Trailer Pk, RV Rents, Marina, Travel.
  • Repairs Maintenance (22)
    + Garage, Transmission, Builder, Mech.
  • Retail Stores Trade (91)
    + All stores, E-commerce, Malls, Kiosk.

  • Sports Leisure Products (20)
    + Bar, Golf, Gym, Marina, Power Toys.

  • Telecommunications (1)
    + Cellular, VOIP, ISP, Phone Sales.
  • Transportation Travel (49)
    + Car/Truck, RV, Taxi, Travel Agy.

  • Warehousing, Moving Storage (4)
    + Trucking, Freight, Mini-Storage.
  • Wholesale Trade Distributor (28)
    + Food Mfg, Chem Mfg, Warehouse.

  • Accommodation Recreation
    Hotel, Resort, Camping, Trailer Park.
  • Advertising Directories
    + Marketing, Printing, Signs, On-line.
  • Animals Pet Care
    + Grooming, Supplies, Ranches, Training.
  • Art, Antiques Gifts
    + Collectables, Souvenirs, Art Gallery.
  • Automotive Sales Service
    + Car Rentals, Salvage, Tires, Garages.


  • Biotechnology Pharmaceuticals
    + Drug Store, Medical/Sports Clinics.
  • Building Materials Hardware
    + Lumber Yard, Construction Equip’t.
  • Business Services Supplies
    + UPS, Print, Junk, Cleaning, Office Prod.


  • Chemicals Plastics
    + Chem Manuf, Cleaning Prods, Die Mold.
  • Children Youth
    + Pre-school, Playground, College, Toys.
  • Cleaning Decorating
    + Maid Serv, Renos, Janitor, Painter.
  • Clothing Textiles
    + Fashion, Bridal, Dry Clean, Manufacture.
  • Computer Hardware Software
    + Games, Programs, Cellular, Websites.
  • Construction Maintenance
    + Inspect, Landscape, Renos, Plumb/Elect.
  • Consumer Goods Services
    + Bottle Depot, Ink Refill, Sears, Vacuum.
  • Contracting Trades
    + Reno, Inspect, Elect/Plumbing, Carpentry.
  • Customer Service
    + Cleaning, Restore, Snow Remove, Taxi.


  • E-Commerce Internet
    + Websites, On-line stores, Web services.
  • Education Training
    + Learning Ctr, Career Coll, Tutoring.
  • Electronics Electrical (-)
    + Industrial Ctrls, Automation, Audio Eq’t.
  • Energy Environment
    + Power prods, Recycling, Furnace/Wood.
  • Entertainment Arts
    + Pub, Playground, Paintball, Theatre.


  • Farming, Fishing Forestry
    + Outfitting, Fences, Nursery, Ranch.
  • Financial Services Investing
    + Franchises, Tax prep, Investments.
  • Food Related Products
    + Supermarket, Bakery, Food Package.


  • Health Beauty
    + Fitness, Gym, Health Food, Wellness/Spa.
  • Home Based Business
    + Handicraft, Vending, Cleaning, Inspect.
  • House Garden
    + Clean, Lawn, Garden Ctr, Furniture.
  • Hospitality Food Service
    + Banquet, Bar, Resort, Hotel, Food Trk.

  • Industrial Manufacturing Service
    + Machine Shop, Sht Metal, Quarry, Ctrls.
  • Information Technology
    + Computers, Office Prod, System Int.
  • International Business Trade
    + World-wide, Export Distrib, Website.

  • Management Human Resources
    + Employment Agency, Business Mgmt.
  • Marketing Advertising
    + Real Estate Agency, Printing, Sign Mfg.
  • Media, Graphics, Film Video
    + Sign Mfg, Graphic/Web Design, Photo.
  • Mining, Metal Resources
    + Oil Field Servs, Quarry, Gravel Haul.

  • Personal Services Products
    + Spa/Tan, Health, Flowers, Hse Clean.
  • Professional Services Consulting
    + Bookkeep, Invest, Engineer, R.E.
  • Publishing, Printing News
    + Newspapers, Print Shop, Web Blog.

  • Real Estate Rental Buildings
    + Apt, Storage, Motel, inc Home/Land.
  • Recreation, Resorts Camping
    + Trailer Pk, RV Rents, Marina, Travel.
  • Repairs Maintenance
    + Garage, Transmission, Builder, Mech.
  • Retail Stores Trade
    + All stores, E-commerce, Malls, Kiosk.

  • Sports Leisure Products
    + Bar, Golf, Gym, Marina, Power Toys.

  • Telecommunications
    + Cellular, VOIP, ISP, Phone Sales.
  • Transportation Travel
    + Car/Truck, RV, Taxi, Travel Agy.

  • Warehousing, Moving Storage
    + Trucking, Freight, Mini-Storage.
  • Wholesale Trade Distributor
    + Food Mfg, Chem Mfg, Warehouse.


23/08/2017

Posted In: NEWS

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Americans for Financial Reform – Accountability, Fairness, Security – Americans for


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April 11, 2016 4:21 pm | Comments Off on Message to Congress: The CFPB Has Our Back!

What made the latest congressional hearings on the Consumer Financial Protection Bureau different from other hearings? A delegation of consumer advocates from around the country wearing lime-green t-shirts that said “Stand Up for the CFPB” and The CFPB Has My Back.” They were there to remind lawmakers that the great majority of Americans, across party lines, don t just like the idea of such an agency; they also support the major steps it has taken to bring a sense of fair play to the financial marketplace.

October 25, 2016 8:50 | Comments Off on New AFR Report: Wall Street Money in Washington 2015-16

October 24, 2016 17:10 | Comments Off on AFR Voting Record for 2015-16: Where They Stand on Financial Reform

July 15, 2016 14:23 | Comments Off on Bipartisan Poll: Americans Express Broad Support for Financial Regulation and the Work of the CFPB

May 30, 2017 10:47 am

According to the advocacy group Americans for Financial Reform, payday and title lenders spent more than $15 million on campaign contributions during the 2014 election cycle. The top recipient, with nearly $224,000 in donations from the industry, was the National Republican Congressional Committee. The largest individual recipient, with $210,500 in payday and title loan cash, was — you guessed it — Hensarling.

May 28, 2017 8:04 am

The [Hensarling] bill would make it easier for Wall Street megabanks – plus other mortgage lenders, payday lenders, credit card companies and debt collectors. to make windfall profits by cheating people or putting the stability of the financial system at risk. That’s from an email blast [the National Consumer Law Center] sent out in conjunction with Americans for Financial Reform.

May 25, 2017 8:29 am

When the CFPB was created in 2010 under the Dodd Frank Act, the appointment of an independent director was meant to help shield the agency from lobbying forces and powerful groups on Wall Street, says Brian Simmonds Marshall, policy counsel for Americans for Financial Reform

May 25, 2017 7:59 am

Without exception, the proposals we ve seen to de-fund or restructure the Consumer Financial Protection Bureau are about making it less effective at doing its job, says Carter Dougherty, spokesman for Americans for Financial Reform All these proposed changes to the CFPB would do is make it easier for Wall Street and assorted predatory lenders to rip people off.’

May 23, 2017 10:52 am

Without exception, the proposals we ve seen to de-fund or restructure the Consumer Financial Protection Bureau are about making it less effective at doing its job,” said Brian Marshall, policy counsel at AFR. “The agency has won relief worth $12 billion for 29 million Americans since it started work. All these proposed changes to the CFPB would do is make it easier for Wall Street and assorted predatory lenders to rip people off.

May 23, 2017 10:24 am

From a statement by the Save our Retirement Coalition: Retirement savers need an enforceable fiduciary standard and a Department of Labor that is prepared to hold firms accountable for compliance. Until the full complement of rule requirements takes effect, their hard earned savings will continue to be at risk as a result of conflicted advice from financial professionals who put their own financial interests ahead of their customers’ best interests. Yesterday’s decision was an important step forward, but there is still a long road ahead.

May 19, 2017 11:34 am

In the face of supporting evidence described above, in addition to harming retirement savers, the Department would be exposing itself to significant legal risk to change course and further delay the Rule now.

May 18, 2017 2:10 pm

Alexis Goldstein, a senior policy analyst at Americans for Financial Reform described the idea of eliminating the program as horrifying, noting that borrowers are struggling to manage their student debt, pushing them to put off home-buying and other financial milestones. Eliminating a forgiveness program would only make that worse, she said. It seems both ill-conceived from a policy perspective and just cruel. ”


16/08/2017

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UPS i-parcel – Affordable, scalable logistics and technology solutions to globalize


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Make global online shoppers feel at home wherever they are.

Global control at your fingertips

Global E-commerce Insights

A better online experience for far-away customers

Reach

Tracking

Payment

Fraud

Customs

Support

Global E-commerce

Five Keys to Enabling Your Global Business

With the addition of a few simple lines of code to your existing e-commerce website, UPS i-parcel determines the origin country of a visitor and presents a localized shopping experience. They are greeted in their local language, pricing is converted to the local currency, and familiar payment options are displayed. Your entire site can even be translated and displayed in your customer’s language, saving you from the overhead of operating numerous country websites.

UPS i-parcel acts as the Merchant of Record (MOR), handling the processing of all duties, fees and taxes, and enabling customs brokerage for your transactions. You can display merchandise pricing with duties and taxes during checkout for no surprises for global shoppers, eliminating costly returns of unwanted merchandise.

UPS i-parcel manages all payment collection processes relieving you of the risks and complicated procedures that come along with foreign currencies and credit card transactions. Because we collect payment from international shoppers – and accept more than 70 currencies — we remove the complexities of currency conversion and payment processing, including fraud.

Flexible shipping options have you covered for both urgent and ordinary deliveries. This includes UPS i-parcel Select, a service that provides local delivery within 5-8 business days at a cost-effective rate and UPS Worldwide Express services with guaranteed delivery within 2-7 days, depending on destination – both with end-to-end tracking and convenient returns. What’s more, providing targeted delivery dates can decrease cart abandonment and increase customer satisfaction.

Provide additional service to your shoppers while reducing the burden on your customer service department with 24/7/365 email support. UPS i-parcel handles all customer questions and provides information about payment or order status, typically within one hour. Product questions are forwarded to you to handle directly.

Merchant Tools

Global e-commerce is most successful when done at the local level. Traditionally, that required building and managing separate, stand-alone websites, often with limited product offerings and marketing. UPS i-parcel changes that. With our easy-to-use content management tool, you can manage your product catalog and maintain localized control of prices, promotions, and shipping options.

Take control with a simplified content management system
A powerful content management system (CMS) powers the UPS i-parcel solution and allows publishing, editing and modifying your website from a central, easy-to-use interface. The CMS manages all site elements including photos, promotions, prices and where and when products are displayed based on the user’s locale. Your cross border shoppers will view products and prices best suited for their lifestyle.

Expand your promotions to international markets
Just as your products don’t have to be one size fits all, neither do your promotions. The UPS i-parcel dashboard enables couponing, discounts, buy-one-get-one, time-bound, shipping or special promotions localized by market or customer base. Target new customers, build loyalty with repeat shoppers and increase conversion rates with promotions tailored to your global customers.

Provide an excellent experience through delivery and returns
Flexible shipping options have you covered for both urgent and ordinary deliveries. Whether it’s free, flat or customized, shipping strategies can be tailored to the needs of any shopper. And with end-to-end tracking and convenient returns, we help you build even better customer relationships to encourage more repeat business.


15/08/2017

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Consumer Confidence In Banking Takes A Hit #travel #packages

#flights and hotel deals
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Consumer Confidence In Banking Takes A Hit

A recent survey has shown that consumers’ confidence in banks has taken a real hit, with one of the major causes of this decreasing confidence thought to be the recent situation with Northern Rock. According to the results of the survey close to 25% of Brits state that they do not trust lenders, and less than 50% thought that high street banks could be trusted. The turmoil and chaos that erupted after Northern Rock was found to have taken a loan from the Bank of England, fuelling rumors of a near collapse and resulting in many of the bank’s 1.5 million savers withdrawing billions of pounds worth of savings.

As a result of this situation the Bank of England has stepped up assurance over the guarantee of savings of Northern Rock customers, as well as the savings of customers with other banks that fall into a similar situation. However, it seems that these assurances have done nothing for consumer confidence in banking, with over fifty percent stating that they no longer trust high street banks.

The survey revealed that of the 2484 people interviewed only 46% now trust high street banks. Building societies fared a little better, with 48% expressing confidence in building societies. Online banking has also taken a knock, with experts stating that reduced access to online bank accounts by Northern Rock customers also affecting this area of banking. Only 25% of consumers now trust online banking according to the survey results.

One industry professional stated that consumer confidence in banking and finance was already fairly low, and added that the recent turmoil with Northern Rock has contributed to this lack of confidence. It is not just the banking industry that has taken a knock, however, according to professionals. Lenders across the whole financial sector have been affected by lower levels of consumer confidence. It is thought that this could be as the result of problems throughout the whole of the financial sector, which has stemmed from the credit crunch sparked in the sub-prime sector in the Unites States, which has resulted in global repercussions.





13/08/2017

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Travel Agents – know your rights – Consumer NZ #where #to

#travel agents nz
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Travel agents

What are your rights if something goes wrong with the holiday you booked through a travel agent?

When you book a plane ticket or a hotel room, your contract is with the airline or hotel. The travel agent who handles the bookings has the job of arranging the contract.

But travel agents remain responsible for their own work, and must carry it out according to the standard of “reasonable care and skill” required by the Consumer Guarantees Act. The Fair Trading Act also applies. They cannot mislead you. But other problems can arise.

When you book

Make sure your agent knows your requirements. If you have special needs, put them in writing and keep a copy for yourself. If you amend your plans, let the agent know in writing.

Be sure to read all the small print on brochures and always ask about the booking conditions before you sign anything or hand over money. Check all your documents as soon as you get them.

Make sure you have suitable travel insurance.

If things go wrong

If you’re away, contact the nearest representative of the tour operator and give them the opportunity to rectify the situation at the time. If you’re not satisfied, let them know, and follow it up when you get home.

Make notes about any problems you want to take up and, if it’s appropriate, take photos and get the contact details of others who will support your case. Keep receipts and any documentation that will help with a claim for compensation.

When you complain

Write to the agent, wholesaler or tourist operator directly and give then the opportunity to put things right. Include copies of all relevant receipts and other documents.

If you think you are due compensation, add up how much the problem cost you in real terms and estimate the value of lost opportunities.

If you cannot reach a settlement with the company, write to TAANZ. It doesn’t pay compensation, but it may reprimand the agent if there has been a breach of its code of ethics or rules.

If the company still won’t pay, take your case to a Disputes Tribunal. This is relatively cheap and there are no lawyers involved.

Tricky questions

You paid in advance for a once-in-a-lifetime adventure in Patagonia, but the airline never got the money and now the agent has gone out of business. Can you get your money back?

TAANZ will pay up to $250,000 for unticketed bookings if a member agency goes bust.

Yes, if you booked with a bonded member of the Travel Agents Association of New Zealand (TAANZ). But probably not, if your agent is not bonded.

TAANZ will pay up to $250,000 for unticketed bookings if a member agency goes bust. This would cover all or most outstanding ticket monies. But note that TAANZ won’t pay for bad service. Some agents have their own bond schemes, but most belong to the TAANZ system.

With an unbonded agent, you will have to stand in line as an unsecured creditor, and you’ll be lucky to see any of your money at all.

You have booked and paid the deposit on a holiday package to Belfast. But now the agent says it’s wonderful what peace will do for a country’s tourism, and wouldn’t you know it, the price has gone up. Do you have to pay the extra?

Probably. When you paid the deposit you formed a contract with the wholesaler or tour company, and this will have included your acceptance of the booking conditions. Most agents and wholesalers reserve the right in their conditions to pass on price increases.

But they must give you the chance to read the conditions before you sign. If they don’t make you aware of them, or lead you to think there will be no price increase and then charge you one, they are at fault. You shouldn’t have to pay the extra.

At the end of a very tiring week in Beijing you arrive at the airport and, even though you phoned to reconfirm your flight as required, you discover you’ve been “bumped”. There’s no seat for you. What can you do?

This has nothing to do with your travel agent. Airlines know some travellers won’t turn up so they often overbook planes. It’s their responsibility and there are international agreements set in place as to what they must do for you. In this case they should make arrangements for further flights, accommodate you and compensate you for any losses you incur.

You probably won’t get anything if the delay is short, but if that missed Beijing flight means you miss the Hong Kong connection to Auckland as well, the airline will have to sort it out.

You’re going to treat yourself to a week in the sun in New Caledonia, but right after you pay the deposit, your car dies. You need a car; you don’t need the holiday. Can you get your money back?

It depends on your contract. Most specify there will be a cancellation fee and how much it will be. Very often you will lose all your deposit. Some contracts are so tough, if you cancel close to your departure date you will lose most of what you have paid for the fare.

Always check the contract before you book. Your travel agent should point out the cancellation details to you at the time of booking and suggest travel insurance if appropriate.

Your hotel bookings in London’s West End are confirmed, but when you arrive with your voucher the proprietor says the hotel is full. He sends you to another he owns near Battersea. It’s still London, but it’s nowhere near the theatres and restaurants you had so wanted to be close to. What can you do?

Again, this is not your agent’s fault. You will have to do your fighting with the hotel or, if the accommodation is part of a tour package, with the wholesaler who runs the package. Check the booking conditions of your tour as some reserve the right to change accommodation and tour details as necessary.

You have prepaid your ferry ticket to your Greek island resort but when you arrive at the ferry you discover you have no voucher for it. You haven’t misplaced it, the agent didn’t give you one. What can you do?

You’ll have to pay again. But keep the receipt and claim the fare back from your travel agent when you get home.

You book a holiday in Thailand intending to go diving. You made your intentions very clear to the agent, to the point of asking about the hire of diving gear. But when you arrive you discover it is the monsoon season, there are no dive trips running and that this is normal for this time of the year.

If you have made your intentions clear to the agent, they have not performed their job with reasonable skill and care. Nor have they provided you with a holiday that was “fit for its purpose”. You can claim compensation. But if they advised you against the trip and you ignored this, the responsibility is yours.

You want to take the family to Vanuatu, and ask the agent to check whether childcare is available. In your presence he rings the wholesaler, who says it is always available. But when get there, you discover the childcare programme only runs in the peak season. This is not the peak season. Who is responsible?

The wholesaler. You should try for compensation.

You have booked and prepaid a rental car in France. When you turn up, you are met with a wall of Gallic shrugs. The company, it seems, has gone bust. What can you do?

Call your travel insurer. If the car-hire firm went out of business after you confirmed your arrangements, they should compensate you for alternative arrangements and may even make them for you.

If your agent booked you with a company that was already out of business, it will have to pick up the tab.

The agent tells you your departure tax has been included in the cost of your air ticket. But your ticket doesn’t show this and the friendly but very firm staff at the airport insist you pay again. What can you do?

Pay, or they won’t let you on the plane. Make sure you keep your receipt and claim from the agent when you return.

You thought travel agents worked for the airlines and hotels. So how come they want to charge you a fee?

Travel agents are paid on commission by the companies selling travel and accommodation. But many of those commissions have fallen recently, and some agents are making up for this by charging customers directly.

This changes their legal responsibility. If you pay for advice, for bookings to be made or tickets issued, the agent will have more direct liability if something goes wrong.

You asked a travel agent to get you to Europe and it turns out the best deal involves a stopover in China. When you get there you are not allowed in the country because you don’t have a visa. Shouldn’t the travel agent have sorted this?

You should always double-check that you have the right visa to enter, travel and/or work in the country you are headed to. This is primarily your responsibility. However, if you asked the agent to specifically sort this out for you, then make a claim for compensation from the agent.





10/08/2017

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48-month USPS NCOA Processing #ncoa #processing,national #change #of #address,ncoalink,email #append,reverse #email


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NCOA Processing Phone Append Email IQ

The challenge:
America is constantly on the move. Each year over 44 million Americans change addresses but old data typically remains in databases. This means lost opportunities, lower recovery, reduced ROI. and ultimately wasted money. And don’t forget frustration.

The solution:
Replace your old, out-of-date mailing addresses, phone numbers & email addresses with our fresh, current data. All processing is fully automated, fast & available 24.7.365.

Users gain on-demand access to NCOA, Phone Append, and Email IQ :

  • Free, friendly Support | Quick setup with minimal friction
  • 98.5% Same-day turnaround | NCOA Rush Jobs at no extra charge
  • No Setup Costs | No Long-term Contracts | No Volume or Usage Requirements
  • Ready-to-mail NCOA return data | Easy-to-use | Wholesale NCOA rates
  • 4 years worth of Individual, Family, and Business moves | Updated weekly
  • No software purchase required | Full NCOA-48 processing
  • OnDemand access: Phone Append, Email Append & Reverse Email Append
  • Fully satisfies USPS Move Update requirement
  • The web’s best high-performance National Change of Address solution

Frequently Asked Questions

What makes us so good?

  • Speed: We’re fast. 98.5% same-day turnaround at
    no extra charge.
  • Pricing: Consistently the lowest minimum fees in the industry.
    Why pay more?
  • Format Flexibility: XLS, XLSX, CSV, TXT, DBF,
    Tab-delimited, Fixed-width, etc. We accommodate it.
  • Automation: We’ve invested considerably into our
    in-house data automation. Put it to work for you!
  • Privacy, privacy, privacy: All processing is private confidential .

What makes us so affordable?

Simple: A belief in great rates for everyone.

We work hard to make our users happy. And pricing is an important part of this. Simply put, we treat our users as we like to be treated. Fundamentally, this means maintaining the lowest price possible instead of the highest price possible. It really is that simple. No matter if you’re a single-time user with a small list, or daily user with large volume, you’ll find the same great wholesale pricing available to everyone. And there are never, ever. extra charges.

Copyright 2002-2017 NCOAsource


08/08/2017

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Reviews – Consumer Reviews of #travel #greece

#book airfare
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Reviews

I cannot begin to warn you about the HORRENDOUS SERVICE provided by this company. Here are the details:

Booked a flight through Kayak.com, not aware it was a third party doing the booking (1st problem and unacceptable practice from Kayak) – The booking company turned out to be Airfare.com

The fare was a little better than others, but not much, and definitely not worth the aggravation and excess charges.

Change fees are $350 DOLLARS, when the airline only charges $200.00, but they claim its the airline. So they are charging $150 dollars above the airline fees for themselves.

It is an absolute nightmare to make any changes, since they are incredibly inefficient. Unfortunately, you are forced to go through them for any issues with your ticket.

I needed to make a change to my outbound flight, so I sent a request through their site.

24 hours later I had no reply or confirmation of receipt, so I called their customer service

The agent that answered spoke broken English and sounded like he was eating while on the call with me.

He informed me my record showed no change request, so advised me to send a follow-up email.

This time I sent it directly through my Outlook, so that I would have proof of my communications.

30 hours after that, still having received no reply, not even an acknowledgment of having received by change request, I called in again.

I asked to speak with a supervisor, who turned out to be even worse than a regular agent, if that s even possible. Aside from taking 15 minutes to come to the phone, supervisor Robert ID # 308 was incredibly rude and provided false information, as follows:

He claimed requests are answered within 24 to 48 hours. My request was placed 56 hours ago and still no reply or acknowledgment of receipt.

When I pointed this out, he said that my matter was not urgent so they would take longer. This is Christmas time so it is urgent.

When I complained that I had not even received an acknowledgement my request was received by them, he threatened to hang up on me.

When I commented on the extra $150 dollar change fee above what the airline charges, he said I didn t know that, but I actually do, because I am a trained travel agent and work as an outside sales agent. But when I said that he countered asking me why had I booked through them then. actually that is a good question, the answer is the fare was a little lower than what I could get, but mostly that I was fooled into thinking I was booking through Kayak, not this joke of a company.

I ended up accomplishing nothing other than aggravation, although I did have the pleasure of hanging up on him.

I m considering purchasing a whole new ticket, just to avoid paying them any change fees.

If you care about your money, time, and most importantly your peace of mind, don t use this company ever. I ll be sending an official complaint the BBB and to Kayak.com, because it makes them look very bad having this kind of rip-off company associated with them.





08/08/2017

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No consumer complaints for Mood Travel Inc, The Atlantic Provinces BBB

#travel mood
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P.O Box 95

*Mood Travel Inc., is in this range.

Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

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We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

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Complaint resolved with BBB assistance BBB records show the issues raised in the complaint have been resolved. Either customer confirmed the complaint has been resolved, or business confirmed the complaint has been resolved and customer did not respond to BBB correspondence informing customer that complaint will be considered resolved unless BBB hears otherwise from customer. BBB found business made good faith effort to resolve complaint but customer not satisfied with business response BBB found that business adequately addressed the disputed issues and made a good faith effort to resolve them; however, customer has informed BBB that he/she is not satisfied with the outcome. In some cases, business may have agreed to mediate or arbitrate the complaint but customer declined to participate in mediation/arbitration. Customer not satisfied with business response; BBB did not find business made good faith effort to resolve complaint BBB did not find that business adequately addressed the disputed issues and made a good faith effort to resolve them, and customer has informed BBB that he/she is not satisfied with the outcome. In some cases, customer may have agreed to mediate or arbitrate the complaint but business declined to participate in mediation/arbitration. BBB did not receive a response from business BBB did not receive a response from business after two attempts to contact business, and BBB communications with customer do not show that business contacted customer to resolve the complaint. BBB cannot process complaint This includes situations where BBB cannot locate business, business is no longer in business, or business is in bankruptcy and complaints must be submitted through bankruptcy trustee.

BBB Complaint Process

Your complaint will be forwarded to the company within two business days. The company will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the company’s response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.

BBB reports the complaint response text for all reportable complaints against a business that are received electronically.

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BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.

What government actions does BBB report on?

BBB reports on known government actions that are relevant to the business’s marketplace dealings with the public.

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07/08/2017

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Consumer Confidence In Banking Takes A Hit #student #travel #deals

#cheap flight and hotel deals
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Consumer Confidence In Banking Takes A Hit

A recent survey has shown that consumers’ confidence in banks has taken a real hit, with one of the major causes of this decreasing confidence thought to be the recent situation with Northern Rock. According to the results of the survey close to 25% of Brits state that they do not trust lenders, and less than 50% thought that high street banks could be trusted. The turmoil and chaos that erupted after Northern Rock was found to have taken a loan from the Bank of England, fuelling rumors of a near collapse and resulting in many of the bank’s 1.5 million savers withdrawing billions of pounds worth of savings.

As a result of this situation the Bank of England has stepped up assurance over the guarantee of savings of Northern Rock customers, as well as the savings of customers with other banks that fall into a similar situation. However, it seems that these assurances have done nothing for consumer confidence in banking, with over fifty percent stating that they no longer trust high street banks.

The survey revealed that of the 2484 people interviewed only 46% now trust high street banks. Building societies fared a little better, with 48% expressing confidence in building societies. Online banking has also taken a knock, with experts stating that reduced access to online bank accounts by Northern Rock customers also affecting this area of banking. Only 25% of consumers now trust online banking according to the survey results.

One industry professional stated that consumer confidence in banking and finance was already fairly low, and added that the recent turmoil with Northern Rock has contributed to this lack of confidence. It is not just the banking industry that has taken a knock, however, according to professionals. Lenders across the whole financial sector have been affected by lower levels of consumer confidence. It is thought that this could be as the result of problems throughout the whole of the financial sector, which has stemmed from the credit crunch sparked in the sub-prime sector in the Unites States, which has resulted in global repercussions.





29/07/2017

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Factors affecting consumer buying behavior #consumer #behavior #online


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Factors Affecting Consumer Buying Behavior

Why do we need to learn about consumer buying behavior? The simple answer is that no longer can we take the customers for granted. Consumer buying behavior determines how our consumers decide to buy our product and what are the various factors responsible for this decision?

Out of 11000 new products introduced by 77 companies, only 56% are present after 5 years. Only 8% of new product concepts offered by 112 leading companies reached the market. Out of that 83% failed to meet marketing objectives. What we need to understand here is why consumers make the purchases that they make, what factors influence consumer purchases and changing factors in our society…

The central focus of marketing is the consumer. To devise good marketing plans, it is necessary to examine consumer behavioral attributes and needs, lifestyles, and purchase processes and then make proper marketing-mix decisions. The study of Consumer behavior includes the study of what they buy, why they buy, how they buy, when they buy, from where they buy, and how often they buy. An open-minded consumer-oriented approach is imperative in today s diverse global marketplace so a firm can identify and serve its target market, minimize dissatisfaction, and stay ahead of competitors. Final consumers purchase for personal, family, or household use.

Major Factors affecting consumer buying behavior

Cultural factors affecting consumer buying behaviour: Cultural factors have a significant impact on customer behavior.Culture is the most basic cause of a person s wants and behavior. Growing up, children learn basic values, perception and wants from the family and other important groups. Marketers are always trying to spot cultural shifts which might point to new products that might be wanted by customers or to increased demand.

Social factors affecting consumer buying behaviour: A customer s buying behavior is also influenced by social factors, such as the groups to which the customer belongs and social status.

Each culture contains “sub-cultures” – groups of people with share values. Sub-cultures can include nationalities, religions, racial groups, or groups of people sharing the same geographical location. Sometimes a sub-culture will create a substantial and distinctive market segment of its own. For example, the “youth culture” or “club culture” has quite distinct values and buying characteristics from the much older “gray generation”

Similarly, differences in social class can create customer groups. In fact, the official six social classes in the UK are widely used to profile and predict different customer behavior. In the UK’s socioeconomic classification scheme, social class is not just determined by income. It is measured as a combination of occupation, income, education, wealth and other variables

Related Posts

  • 5 steps in consumer buying behavior
  • The importance of consumer buying behavior
  • Types of Demand
  • Concentrated Marketing
  • How to analyse consumer behavior by asking these 12 simple questions?
  • Shopping products
  • Concepts of Marketing
  • Organizational Buying

28/07/2017

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California Lemon Law Attorneys and Lawyers #california #lemon #law #attorneys, #lemon


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As a California resident. you have rights under our California lemon law .

Under the California lemon law you have the right to a repurchase of your vehicle proven to be a “lemon” under the state statute.

Under the California lemon law you have the right to receive a refund based upon the original acquisition price of the vehicle, less a charge for usage based upon the odometer miles at the first of what became repeated repair attempts.

Under the California lemon law you have the right to the attorney�s fees and costs being billed to the automobile manufacturer, not you.

Under the California lemon law you have the right to ask for a new replacement vehicle for your defective new vehicle, if both you and the manufacturer agree upon it.

Under the California lemon law you have the right to hire our law firm with no out-of-pocket expenses.

Under the California lemon law you have the right to keep your vehicle and pay us nothing if we do not reach settlement on your case.

California residents who purchased their new or used car, SUV, truck, van, cross-over, or motorhome with a manufacturer’s warranty have lemon law rights when their purchase (or lease) has been subject to too many repeated warranty repairs. In fact, the California lemon law is one of the strongest lemon laws in the nation. It offers the best consumer protection, has built-in provisions for attorneys fees and costs, and bases the refund upon the initial purchase price, not the current value of the vehicle. Having California’s largest statewide lemon law attorney firm represent you in a lemon law case/claim is your best consumer protection and representation choice.

If you’re having any type of repeated mechanical problem(s) with your vehicle, we encourage you to use our free auto expert question/answer feature. Please CLICK HERE to post your question. Your question to our auto expert Randy Sottile, and his answer back to you will be kept confidential to your email address, and not shared with anyone else.

Call1-858-342-0073or email the Lemon Law Auto Expert, Randy Sottile, about your vehicle problems/issues!

Repeated warranty repairs? Unsafe vehicle? Dealer not getting your vehicle repaired? Are you “done” with your defective vehicle, and want it bought back? Need to know what your legal rights are under our California lemon law? You may have a California lemon law claim and case that will allow you to return the vehicle under the California state lemon law statute for a buyback and get a refund of all the monies and payments you have made, as well as a payoff of any loan or lease balance. California lemon law cases can also settle with the manufacturer replacing the offending new lemon vehicle with a new, current year model of your choice of the same MSRP price. In some cases we can negotiate with the manufacturer to allow you to keep your vehicle (if you desire to) and receive a payment in the thousands of dollars for the inconvenience you have encountered with all the past repair visits. Call us today at 1-800-225-3666 and receive a free California lemon law consultation.

California lemon law relief for all California residents. Your lemon law rights are all within the California lemon law statute, which is located on this website. The California lemon law (Song-Beverly Consumer Warranty Act, and the Tanner Consumer Protection Act / California Civil Code Section 1793.2, 1793.22) was enacted to protect California consumers from having to deal with repeated repair visits back to the dealership for factory warranty repairs.

Has your new or used vehicle been in the shop over and over again for dealer warranty repairs? You may have a California lemon law claim and case that will allow you to return the vehicle under the California state lemon law statute for a buyback and get a refund of all the monies and payments you have made, as well as a payoff of any loan or lease balance. California lemon law cases can also settle with the manufacturer replacing the offending new lemon vehicle with a new, current year model of your choice of the same MSRP price. In some cases we can negotiate with the manufacturer to allow you to keep your vehicle (if you desire to) and receive a payment in the thousands of dollars for the inconvenience you have encountered with all the past repair visits.

Any new or used vehicle that has remaining factory warranty coverage, or manufacturer “Certified Pre-Owned” used car warranty coverage may be a candidate for consumer protection under the California lemon law.

Consumer information on lemon law warranty repair attempts: To protect your legal rights for a potential California lemon law claim/case, we suggest the following. When visiting your authorized dealer for repairs to your vehicle under the manufacturer�s warranty, be sure that the wording on the Repair Order of your complaint are your words of your description of the problem/symptom, not the Service Advisors interpretation of what you are saying. Equally important for a California lemon law claim/case is that when the vehicle goes back for a “repeat of same problem/symptom”, that you keep the customer complaint wording consistent on each Repair Order in sequence. This adds strength to your California lemon law case. Mentioning possible action under the California lemon law to the Service Advisor is not recommended. Discussing your vehicle being a “lemon” will almost certainly “flag” your vehicle, and more than likely it would come back after a repair with “could not duplicate customers concern”. Manufacturers are very savvy on lemon law issues – and so are their dealers. After all, they have trained them.

If you are missing any Repair Order invoices, you can request copies of them from your Service Advisor. The Service Advisor can also print out what is known as a “warranty repair history printout”, which details all repair visits to any/all authorized dealers for warranty repairs. Again, it is best not to mention “lemon law” to the Service Advisor as you will likely not get the copies of the documents you are requesting. A California lemon law case and claim are predicated upon Repair Order Invoices. These are the proof of your claim and repair attempts. Keep them in a safe place, away from your vehicle.

Important lemon law rights notice to consumers with vehicles with recently expired factory warranties: If your vehicle is outside of the factory “bumper-to-bumper” or “powertrain” warranty, you may still be eligible for relief under the California lemon law. If you have had four (4) or more repair attempt visits at an authorized dealership for the same issue/problem/complaint before expiration of factory warranty coverage, and have repair order invoice documents that support this (or you get a warranty repair history printout from your dealer), you may be eligible for a substantial cash settlement under the lemon law. If you gave the automobile manufacturer written or verbal notice (telephoned in to Customer Assistance Center) of the continued warranty non-conformity issues during the warranty coverage period and continue to have the same issue/problem/complaint, you may potentially entitled to a repurchase (buyback) of your vehicle, even though it is out of factory warranty. We invite you to call us to discuss your out-of-warranty vehicle’s problems and warranty repairs history. The same applies to “Certified Pre-Owned Warranty” used vehicles, which enjoy the same lemon law protection as new vehicles.

The California lemon law also requires that the automobile manufacturer pay for the consumer’s hourly attorney’s fees on a case and claim that settles for a repurchase (buyback), new replacement vehicle, or a cash settlement payment. This makes the lemon law economically feasible for consumers who would not otherwise be in a position to hire a lemon law attorney.

We are a California-based statewide lemon law attorney firm, with offices throughout California. Our 28 years of experience with all of the automobile manufacturers, and over 15,120 successful cases makes our firm the easy choice for the consumer desiring lemon law relief with highly competent representation by trained lawyers. Many cases are settled in as little as 10 days.

Mr. McGee personally handles all lemon law case communications with the automobile manufacturers, as well as with each of his clients. He aggressively pursues each California lemon law case for the best possible outcome for each client. The personalized service each client receives from Mr. McGee – and all associates of the firm – is unique to our area of law practice. We offer a level of professionalism, patience, quality communication and understanding rarely seen – but greatly appreciated – in today’s fast-paced legal field.

We have added a new California Lemon Law blog page . Here you will find timely topics directly, or relating to California lemon law. There are many consumer advocate topics on how to build your best lemon law case. Repair documents, dealing with your Service Advisor, retrieval of lost repair documents and more. Everything you need to be an informed consumer on the California Lemon Law.

Presione aqu� para leer nuestro sitio en espa�ol. Presione aqu� parainformarse si usted tiene un caso.

The Law Offices of William R. McGee
California’s Largest Lemon Law Firm SM
1-800-225-3666


26/07/2017

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Why Retail CRM is Soaring #retail #crm, #consumer #engagement, #b2c #strategies


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Retail CRM (Finally) Comes of Age

Direct Relationships with Consumers Accelerates CRM in the Retail Industry

Yogi Berra once advised In theory, there’s no difference between theory and practice, but in practice there is.

Retail CRM has become an underlying platform supporting proven business development strategies — such as omni-channel communications. customer experience (CX) management, social media engagement, loyalty programs, precision marketing and mobility among others — but for too many retailers these practices still appear to be theories.

The gap between retail leaders and laggards is growing. Despite the retail industry research, retail best practices and numerous case studies, many retailers sit the sidelines with regard to new consumer engagement methods and technology adoption. These retailers know their customers are ahead of them but defer innovative retail strategies and in turn find themselves perpetually behind their customers.

It reminds me of the 1990’s when retailers took a slow approach to creating their websites, and later their ecommerce platforms. And like that era, today’s consumers who expect to connect with their new and favorite brands over social, mobile and other channels are not a fad and are not going away. Retailers can adopt consumer strategies and supporting technologies now or they can wait until these strategies themselves become commoditized. Adopting them before competitors will result in increased consumer engagement, market share and business performance.

The Retail CRM Tipping Point

22 years after the term Customer Relationship Management was coined, retailers are adopting CRM in mass for the first time. So why now? Because for the first time brands, manufacturers, retailers and others are pursuing direct relationships with consumers.

Consumers have led the way, using social media and mobility to connect and communicate with each other and their brands in ways not previously possible. Smart retailers are responding by adopting CRM and social CRM strategies along with enabling technologies in order to engage consumers and build stronger customer relationships.

But it’s not easy. There’s an intense competition for these consumer relationships among the entire retail value chain. Manufacturers, distributors and retailers are all vying for these relationships, and in fact competing with each other for the very limited consumer attention span. In the new battle for consumer relationships, which will define business winners and losers, there will be far more losers than winners.

So how do you win?

First, recognize that building relationships with consumers is not a theory or a fad. It’s here to stay, and it’s a business practice that you can and should adopt now.

Second, recognize that CRM is not a software application. It’s a business strategy aimed at growing mutually rewarding and profitable customer relationships. Don’t make the mistake of trying to substitute technology for strategy, or deploying technology in the absence of strategy.

Third, begin with Voice of the Customer (VoC) outreach and analysis. Don’t assume you know what consumers want as getting this wrong will set back your CRM business results by quarters or years.

Fourth, thoughtfully construct a CRM strategy that becomes your blueprint, roadmap and delivery plan. Your CRM strategy should document clear and measurable objectives in a prioritized order, with specific methods to achieve specific objectives. This allows you to stack rank your planned tasks by payback, achieve the biggest ROI results first, demonstrate early wins and create an environment for sustained success.

Lastly, apply CRM software in order to perform the data management, process automation and closed loop reporting. While software should not precede strategy, it’s also true that achieving retail strategies such as omni-channel communications, CX management, social media engagement, effective loyalty programs. retail marketing automation and the like can’t be done at scale, or quite possibly at all, without CRM software.

Since the advent of the term CRM in 1992, retailers have largely ignored this business strategy as they really didn’t have the means to track and engage consumers in a relevant, personalized and timely manner. That’s now changed, and those retailers that capitalize on these new consumer relationship opportunities will most certainly outperform competitors who continue to treat this movement as just a theory.


25/07/2017

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Travel Agents – know your rights – Consumer NZ #cheapest #flight

#travel agents nz
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Travel agents

What are your rights if something goes wrong with the holiday you booked through a travel agent?

When you book a plane ticket or a hotel room, your contract is with the airline or hotel. The travel agent who handles the bookings has the job of arranging the contract.

But travel agents remain responsible for their own work, and must carry it out according to the standard of “reasonable care and skill” required by the Consumer Guarantees Act. The Fair Trading Act also applies. They cannot mislead you. But other problems can arise.

When you book

Make sure your agent knows your requirements. If you have special needs, put them in writing and keep a copy for yourself. If you amend your plans, let the agent know in writing.

Be sure to read all the small print on brochures and always ask about the booking conditions before you sign anything or hand over money. Check all your documents as soon as you get them.

Make sure you have suitable travel insurance.

If things go wrong

If you’re away, contact the nearest representative of the tour operator and give them the opportunity to rectify the situation at the time. If you’re not satisfied, let them know, and follow it up when you get home.

Make notes about any problems you want to take up and, if it’s appropriate, take photos and get the contact details of others who will support your case. Keep receipts and any documentation that will help with a claim for compensation.

When you complain

Write to the agent, wholesaler or tourist operator directly and give then the opportunity to put things right. Include copies of all relevant receipts and other documents.

If you think you are due compensation, add up how much the problem cost you in real terms and estimate the value of lost opportunities.

If you cannot reach a settlement with the company, write to TAANZ. It doesn’t pay compensation, but it may reprimand the agent if there has been a breach of its code of ethics or rules.

If the company still won’t pay, take your case to a Disputes Tribunal. This is relatively cheap and there are no lawyers involved.

Tricky questions

You paid in advance for a once-in-a-lifetime adventure in Patagonia, but the airline never got the money and now the agent has gone out of business. Can you get your money back?

TAANZ will pay up to $250,000 for unticketed bookings if a member agency goes bust.

Yes, if you booked with a bonded member of the Travel Agents Association of New Zealand (TAANZ). But probably not, if your agent is not bonded.

TAANZ will pay up to $250,000 for unticketed bookings if a member agency goes bust. This would cover all or most outstanding ticket monies. But note that TAANZ won’t pay for bad service. Some agents have their own bond schemes, but most belong to the TAANZ system.

With an unbonded agent, you will have to stand in line as an unsecured creditor, and you’ll be lucky to see any of your money at all.

You have booked and paid the deposit on a holiday package to Belfast. But now the agent says it’s wonderful what peace will do for a country’s tourism, and wouldn’t you know it, the price has gone up. Do you have to pay the extra?

Probably. When you paid the deposit you formed a contract with the wholesaler or tour company, and this will have included your acceptance of the booking conditions. Most agents and wholesalers reserve the right in their conditions to pass on price increases.

But they must give you the chance to read the conditions before you sign. If they don’t make you aware of them, or lead you to think there will be no price increase and then charge you one, they are at fault. You shouldn’t have to pay the extra.

At the end of a very tiring week in Beijing you arrive at the airport and, even though you phoned to reconfirm your flight as required, you discover you’ve been “bumped”. There’s no seat for you. What can you do?

This has nothing to do with your travel agent. Airlines know some travellers won’t turn up so they often overbook planes. It’s their responsibility and there are international agreements set in place as to what they must do for you. In this case they should make arrangements for further flights, accommodate you and compensate you for any losses you incur.

You probably won’t get anything if the delay is short, but if that missed Beijing flight means you miss the Hong Kong connection to Auckland as well, the airline will have to sort it out.

You’re going to treat yourself to a week in the sun in New Caledonia, but right after you pay the deposit, your car dies. You need a car; you don’t need the holiday. Can you get your money back?

It depends on your contract. Most specify there will be a cancellation fee and how much it will be. Very often you will lose all your deposit. Some contracts are so tough, if you cancel close to your departure date you will lose most of what you have paid for the fare.

Always check the contract before you book. Your travel agent should point out the cancellation details to you at the time of booking and suggest travel insurance if appropriate.

Your hotel bookings in London’s West End are confirmed, but when you arrive with your voucher the proprietor says the hotel is full. He sends you to another he owns near Battersea. It’s still London, but it’s nowhere near the theatres and restaurants you had so wanted to be close to. What can you do?

Again, this is not your agent’s fault. You will have to do your fighting with the hotel or, if the accommodation is part of a tour package, with the wholesaler who runs the package. Check the booking conditions of your tour as some reserve the right to change accommodation and tour details as necessary.

You have prepaid your ferry ticket to your Greek island resort but when you arrive at the ferry you discover you have no voucher for it. You haven’t misplaced it, the agent didn’t give you one. What can you do?

You’ll have to pay again. But keep the receipt and claim the fare back from your travel agent when you get home.

You book a holiday in Thailand intending to go diving. You made your intentions very clear to the agent, to the point of asking about the hire of diving gear. But when you arrive you discover it is the monsoon season, there are no dive trips running and that this is normal for this time of the year.

If you have made your intentions clear to the agent, they have not performed their job with reasonable skill and care. Nor have they provided you with a holiday that was “fit for its purpose”. You can claim compensation. But if they advised you against the trip and you ignored this, the responsibility is yours.

You want to take the family to Vanuatu, and ask the agent to check whether childcare is available. In your presence he rings the wholesaler, who says it is always available. But when get there, you discover the childcare programme only runs in the peak season. This is not the peak season. Who is responsible?

The wholesaler. You should try for compensation.

You have booked and prepaid a rental car in France. When you turn up, you are met with a wall of Gallic shrugs. The company, it seems, has gone bust. What can you do?

Call your travel insurer. If the car-hire firm went out of business after you confirmed your arrangements, they should compensate you for alternative arrangements and may even make them for you.

If your agent booked you with a company that was already out of business, it will have to pick up the tab.

The agent tells you your departure tax has been included in the cost of your air ticket. But your ticket doesn’t show this and the friendly but very firm staff at the airport insist you pay again. What can you do?

Pay, or they won’t let you on the plane. Make sure you keep your receipt and claim from the agent when you return.

You thought travel agents worked for the airlines and hotels. So how come they want to charge you a fee?

Travel agents are paid on commission by the companies selling travel and accommodation. But many of those commissions have fallen recently, and some agents are making up for this by charging customers directly.

This changes their legal responsibility. If you pay for advice, for bookings to be made or tickets issued, the agent will have more direct liability if something goes wrong.

You asked a travel agent to get you to Europe and it turns out the best deal involves a stopover in China. When you get there you are not allowed in the country because you don’t have a visa. Shouldn’t the travel agent have sorted this?

You should always double-check that you have the right visa to enter, travel and/or work in the country you are headed to. This is primarily your responsibility. However, if you asked the agent to specifically sort this out for you, then make a claim for compensation from the agent.





06/07/2017

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Budget Rent A Car – Review in Rentals category from Buffalo,

#cheap rental car
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Budget Rent A Car – Review in Rentals category from Buffalo, New York

(716) 632-4662DirectionsWebsite

MORE INFOREVIEWS(1)

Hours

Regular Hours

Mon – Sun

Open 24 Hours

Extra Phones

Call us Toll Free. (800) 283-4389

General Info

Budget Rent A Car of Buffalo saves car rental customers time and money by offering the most diverse fleet in WNY. Services like GPS, E-tolls, E-receipts, and Fastbreak make renting a car easy.

Budget Rent a Car of Buffalo is an independent licensee of the Budget Rent a Car system and is certified by the State of New York as a Women Owned Business Enterprise.

All our vehicles include Air Conditioning, Power Windows, Cruise Control, and CD players! Some vehicles may also have:

Bluetooth Capability

Auxiliary Jacks

Power Seats

Heated Mirrors

Sunroofs

Heated Seats

and more!

Budget also maintains a 100% smoke-free fleetand any type of smoking (pipe, cigarette, cigar, etc) is prohibited in all our vehicles so that you can have a clean, fresh smelling vehicle.

We also offer GPS, Child Safety Seats, Booster Seats, and Moving Supplies for an additional charge. If you need directions, just ask our customer service representatives at the counter and they will be happy to help you find your way!

Look for the Budget Rent a Car sign approximately 100 ft. after the end of the 33 East on Genesee Street directly across from the Buffalo Niagara International Airport on your right hand side!

more »

Services

Budget Rent a Car of Buffalo offers the most diverse fleet in WNY! Choose from Economy Cars to SUV’s, Passenger Vans, and Trucks. We have:





24/04/2017

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Consumer Confidence In Banking Takes A Hit #cheap #tickets #hotels

#flights and hotel deals
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Consumer Confidence In Banking Takes A Hit

A recent survey has shown that consumers’ confidence in banks has taken a real hit, with one of the major causes of this decreasing confidence thought to be the recent situation with Northern Rock. According to the results of the survey close to 25% of Brits state that they do not trust lenders, and less than 50% thought that high street banks could be trusted. The turmoil and chaos that erupted after Northern Rock was found to have taken a loan from the Bank of England, fuelling rumors of a near collapse and resulting in many of the bank’s 1.5 million savers withdrawing billions of pounds worth of savings.

As a result of this situation the Bank of England has stepped up assurance over the guarantee of savings of Northern Rock customers, as well as the savings of customers with other banks that fall into a similar situation. However, it seems that these assurances have done nothing for consumer confidence in banking, with over fifty percent stating that they no longer trust high street banks.

The survey revealed that of the 2484 people interviewed only 46% now trust high street banks. Building societies fared a little better, with 48% expressing confidence in building societies. Online banking has also taken a knock, with experts stating that reduced access to online bank accounts by Northern Rock customers also affecting this area of banking. Only 25% of consumers now trust online banking according to the survey results.

One industry professional stated that consumer confidence in banking and finance was already fairly low, and added that the recent turmoil with Northern Rock has contributed to this lack of confidence. It is not just the banking industry that has taken a knock, however, according to professionals. Lenders across the whole financial sector have been affected by lower levels of consumer confidence. It is thought that this could be as the result of problems throughout the whole of the financial sector, which has stemmed from the credit crunch sparked in the sub-prime sector in the Unites States, which has resulted in global repercussions.





07/04/2017

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Consumer Traveler #kenya #travel

#airline travel sites
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The high price you pay for the cruise industry s profits

For anyone planning on cashing in on a free cruise. Here is an outline of what some of the extra charges may be that will make free seem a bit misleading.

Better hotel rooms, endangered Dartmoor ponies, miserable airports

How hotel chains design and test better rooms. Painting endangered Dartmoor ponies to save them. Why does the USA have such miserable airports?

5 ways you could still escape to the warmth this holiday season

Every year, a few of my travel agency s clients are shocked shocked! when I tell them the holidays are a busy time for travel. They assume everyone wants to be home with their families. Amazingly, some people want to get away from families.

Airlines race to the bottom, bridge problems, a timelapse safari

Airlines race to the bottom when it comes to coach service. Bridge problems are statistically better, but still a problem. Enjoy dramatic timelapse photography of an African safari.

Top 10 tips for getting thrown off a plane flight

It seems as though we read about passengers refused boarding or getting thrown off their flights weekly, even after the plane has left the gate. Ned Levi discusses the 10 top reasons passengers are kicked off their flights.





07/04/2017

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Travel Agents – know your rights – Consumer NZ #delgado #travel

#travel agents nz
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Travel agents

What are your rights if something goes wrong with the holiday you booked through a travel agent?

When you book a plane ticket or a hotel room, your contract is with the airline or hotel. The travel agent who handles the bookings has the job of arranging the contract.

But travel agents remain responsible for their own work, and must carry it out according to the standard of “reasonable care and skill” required by the Consumer Guarantees Act. The Fair Trading Act also applies. They cannot mislead you. But other problems can arise.

When you book

Make sure your agent knows your requirements. If you have special needs, put them in writing and keep a copy for yourself. If you amend your plans, let the agent know in writing.

Be sure to read all the small print on brochures and always ask about the booking conditions before you sign anything or hand over money. Check all your documents as soon as you get them.

Make sure you have suitable travel insurance.

If things go wrong

If you’re away, contact the nearest representative of the tour operator and give them the opportunity to rectify the situation at the time. If you’re not satisfied, let them know, and follow it up when you get home.

Make notes about any problems you want to take up and, if it’s appropriate, take photos and get the contact details of others who will support your case. Keep receipts and any documentation that will help with a claim for compensation.

When you complain

Write to the agent, wholesaler or tourist operator directly and give then the opportunity to put things right. Include copies of all relevant receipts and other documents.

If you think you are due compensation, add up how much the problem cost you in real terms and estimate the value of lost opportunities.

If you cannot reach a settlement with the company, write to TAANZ. It doesn’t pay compensation, but it may reprimand the agent if there has been a breach of its code of ethics or rules.

If the company still won’t pay, take your case to a Disputes Tribunal. This is relatively cheap and there are no lawyers involved.

Tricky questions

You paid in advance for a once-in-a-lifetime adventure in Patagonia, but the airline never got the money and now the agent has gone out of business. Can you get your money back?

TAANZ will pay up to $250,000 for unticketed bookings if a member agency goes bust.

Yes, if you booked with a bonded member of the Travel Agents Association of New Zealand (TAANZ). But probably not, if your agent is not bonded.

TAANZ will pay up to $250,000 for unticketed bookings if a member agency goes bust. This would cover all or most outstanding ticket monies. But note that TAANZ won’t pay for bad service. Some agents have their own bond schemes, but most belong to the TAANZ system.

With an unbonded agent, you will have to stand in line as an unsecured creditor, and you’ll be lucky to see any of your money at all.

You have booked and paid the deposit on a holiday package to Belfast. But now the agent says it’s wonderful what peace will do for a country’s tourism, and wouldn’t you know it, the price has gone up. Do you have to pay the extra?

Probably. When you paid the deposit you formed a contract with the wholesaler or tour company, and this will have included your acceptance of the booking conditions. Most agents and wholesalers reserve the right in their conditions to pass on price increases.

But they must give you the chance to read the conditions before you sign. If they don’t make you aware of them, or lead you to think there will be no price increase and then charge you one, they are at fault. You shouldn’t have to pay the extra.

At the end of a very tiring week in Beijing you arrive at the airport and, even though you phoned to reconfirm your flight as required, you discover you’ve been “bumped”. There’s no seat for you. What can you do?

This has nothing to do with your travel agent. Airlines know some travellers won’t turn up so they often overbook planes. It’s their responsibility and there are international agreements set in place as to what they must do for you. In this case they should make arrangements for further flights, accommodate you and compensate you for any losses you incur.

You probably won’t get anything if the delay is short, but if that missed Beijing flight means you miss the Hong Kong connection to Auckland as well, the airline will have to sort it out.

You’re going to treat yourself to a week in the sun in New Caledonia, but right after you pay the deposit, your car dies. You need a car; you don’t need the holiday. Can you get your money back?

It depends on your contract. Most specify there will be a cancellation fee and how much it will be. Very often you will lose all your deposit. Some contracts are so tough, if you cancel close to your departure date you will lose most of what you have paid for the fare.

Always check the contract before you book. Your travel agent should point out the cancellation details to you at the time of booking and suggest travel insurance if appropriate.

Your hotel bookings in London’s West End are confirmed, but when you arrive with your voucher the proprietor says the hotel is full. He sends you to another he owns near Battersea. It’s still London, but it’s nowhere near the theatres and restaurants you had so wanted to be close to. What can you do?

Again, this is not your agent’s fault. You will have to do your fighting with the hotel or, if the accommodation is part of a tour package, with the wholesaler who runs the package. Check the booking conditions of your tour as some reserve the right to change accommodation and tour details as necessary.

You have prepaid your ferry ticket to your Greek island resort but when you arrive at the ferry you discover you have no voucher for it. You haven’t misplaced it, the agent didn’t give you one. What can you do?

You’ll have to pay again. But keep the receipt and claim the fare back from your travel agent when you get home.

You book a holiday in Thailand intending to go diving. You made your intentions very clear to the agent, to the point of asking about the hire of diving gear. But when you arrive you discover it is the monsoon season, there are no dive trips running and that this is normal for this time of the year.

If you have made your intentions clear to the agent, they have not performed their job with reasonable skill and care. Nor have they provided you with a holiday that was “fit for its purpose”. You can claim compensation. But if they advised you against the trip and you ignored this, the responsibility is yours.

You want to take the family to Vanuatu, and ask the agent to check whether childcare is available. In your presence he rings the wholesaler, who says it is always available. But when get there, you discover the childcare programme only runs in the peak season. This is not the peak season. Who is responsible?

The wholesaler. You should try for compensation.

You have booked and prepaid a rental car in France. When you turn up, you are met with a wall of Gallic shrugs. The company, it seems, has gone bust. What can you do?

Call your travel insurer. If the car-hire firm went out of business after you confirmed your arrangements, they should compensate you for alternative arrangements and may even make them for you.

If your agent booked you with a company that was already out of business, it will have to pick up the tab.

The agent tells you your departure tax has been included in the cost of your air ticket. But your ticket doesn’t show this and the friendly but very firm staff at the airport insist you pay again. What can you do?

Pay, or they won’t let you on the plane. Make sure you keep your receipt and claim from the agent when you return.

You thought travel agents worked for the airlines and hotels. So how come they want to charge you a fee?

Travel agents are paid on commission by the companies selling travel and accommodation. But many of those commissions have fallen recently, and some agents are making up for this by charging customers directly.

This changes their legal responsibility. If you pay for advice, for bookings to be made or tickets issued, the agent will have more direct liability if something goes wrong.

You asked a travel agent to get you to Europe and it turns out the best deal involves a stopover in China. When you get there you are not allowed in the country because you don’t have a visa. Shouldn’t the travel agent have sorted this?

You should always double-check that you have the right visa to enter, travel and/or work in the country you are headed to. This is primarily your responsibility. However, if you asked the agent to specifically sort this out for you, then make a claim for compensation from the agent.





02/04/2017

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No consumer complaints for Mood Travel Inc, The Atlantic Provinces BBB

#travel mood
#

P.O Box 95

*Mood Travel Inc., is in this range.

Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
  • Delivery
  • Guarantee or Warranty

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

Additional Phone Numbers

Closure Definitions

Complaint resolved with BBB assistance BBB records show the issues raised in the complaint have been resolved. Either customer confirmed the complaint has been resolved, or business confirmed the complaint has been resolved and customer did not respond to BBB correspondence informing customer that complaint will be considered resolved unless BBB hears otherwise from customer. BBB found business made good faith effort to resolve complaint but customer not satisfied with business response BBB found that business adequately addressed the disputed issues and made a good faith effort to resolve them; however, customer has informed BBB that he/she is not satisfied with the outcome. In some cases, business may have agreed to mediate or arbitrate the complaint but customer declined to participate in mediation/arbitration. Customer not satisfied with business response; BBB did not find business made good faith effort to resolve complaint BBB did not find that business adequately addressed the disputed issues and made a good faith effort to resolve them, and customer has informed BBB that he/she is not satisfied with the outcome. In some cases, customer may have agreed to mediate or arbitrate the complaint but business declined to participate in mediation/arbitration. BBB did not receive a response from business BBB did not receive a response from business after two attempts to contact business, and BBB communications with customer do not show that business contacted customer to resolve the complaint. BBB cannot process complaint This includes situations where BBB cannot locate business, business is no longer in business, or business is in bankruptcy and complaints must be submitted through bankruptcy trustee.

BBB Complaint Process

Your complaint will be forwarded to the company within two business days. The company will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the company’s response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.

BBB reports the complaint response text for all reportable complaints against a business that are received electronically.

Industry Tips for Travel Agencies & Bureaus

What is BBB Advertising Review?

BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.

What government actions does BBB report on?

BBB reports on known government actions that are relevant to the business’s marketplace dealings with the public.

About BBB Business Review Content and Services





28/03/2017

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Holiday Travel Insurance – Consumer Reports News #cheap #flight #and #hotel

#buy travel insurance
#

Before you answer that one, ask these six questions.

Just click to buy?

Don’t blindly accept or reject travel insurance. Assess your needs and coverage details.

If you’re booking a holiday getaway, your travel agent will probably ask if you want to protect your purchase with insurance. Travel websites make this option an even easier click-to-buy question.

About one in four travelers buys travel insurance, and the coverage has improved considerably since the just-the-basics policies of the 1990s. The terrorist attack of Sept. 11, 2001, added coverage for that eventuality, and the SARS and H1N1 epidemics made coverage for that standard. Hurricanes, natural disasters, tsunamis, and civil unrest, such as the Arab Spring in Egypt, are also covered.

Insurers generally offer three classes of policies: basic, midlevel, and premium, with the comprehensiveness of coverage and price increasing accordingly. Cancel-for-any-reason policies give you the most flexibility.

Travel insurance is a comforting concept, but the devil is still in the details, and that creates lots of opportunity for sales representatives to sell you false security. To avoid that, size up the deal by asking these six key questions.

1. How many choices does the seller give you? If you buy from a travel agent, you’ll probably be offered only one or two policies from one company, and best typically means best for the travel agent, in terms of how much of a commission he or she collects on the sale. Online travel sites also tend to limit your choice.

We like InsureMyTrip.com. which sells more than 250 polices from 29 different insurance companies. Choice is important because it allows you to buy as many or as few features as you want. If you’re not sure what you need, use the website’s old-fashioned toll-free number (800-487-4722) to get precise guidance from one of its agents.

2. Is this insurance too cheaply priced—or overpriced? Real travel insurance costs 4 to 8 percent of your prepaid nonrefundable costs. So if your upfront airline tickets, resort hotel, cruise. and/or family tour package charges add up to $8,000, travel insurance can cost $320 to $640. Travelers over 40, longer trips, and more comprehensive coverage is priced at the high end. The $10 to $25 impulse purchase policy is very thin on benefits and may only provide death benefits, which you don’t need if you have economically priced term life insurance .

At the other extreme, watch out for overpriced policies, which can appear when your travel agent has a captive custome—you. The best way to know if you’re overpaying is to shop around.





24/03/2017

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Consumer Confidence In Banking Takes A Hit #book #cheap #hotels

#cheap flight and hotel deals
#

Consumer Confidence In Banking Takes A Hit

A recent survey has shown that consumers’ confidence in banks has taken a real hit, with one of the major causes of this decreasing confidence thought to be the recent situation with Northern Rock. According to the results of the survey close to 25% of Brits state that they do not trust lenders, and less than 50% thought that high street banks could be trusted. The turmoil and chaos that erupted after Northern Rock was found to have taken a loan from the Bank of England, fuelling rumors of a near collapse and resulting in many of the bank’s 1.5 million savers withdrawing billions of pounds worth of savings.

As a result of this situation the Bank of England has stepped up assurance over the guarantee of savings of Northern Rock customers, as well as the savings of customers with other banks that fall into a similar situation. However, it seems that these assurances have done nothing for consumer confidence in banking, with over fifty percent stating that they no longer trust high street banks.

The survey revealed that of the 2484 people interviewed only 46% now trust high street banks. Building societies fared a little better, with 48% expressing confidence in building societies. Online banking has also taken a knock, with experts stating that reduced access to online bank accounts by Northern Rock customers also affecting this area of banking. Only 25% of consumers now trust online banking according to the survey results.

One industry professional stated that consumer confidence in banking and finance was already fairly low, and added that the recent turmoil with Northern Rock has contributed to this lack of confidence. It is not just the banking industry that has taken a knock, however, according to professionals. Lenders across the whole financial sector have been affected by lower levels of consumer confidence. It is thought that this could be as the result of problems throughout the whole of the financial sector, which has stemmed from the credit crunch sparked in the sub-prime sector in the Unites States, which has resulted in global repercussions.





09/02/2017

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