Recently even the paid media I have been using were having ads. It seems there is no running away from this; data collection/targeting is going to be the norm. It is quite annoying because in one of the sites I had my phone number for 2 factor authentication, another site had my contact number to reach out to me and both of these shared the numbers and activities with each other.

It took a while to figure out how is this psychic behaviour happening. Need to connect various dots. It will also be impossible to sign up for anything digital if you have to go through the terms and conditions to understand what are you losing as a private individual.

A thought experiment I had was to bring a law like the “Do not disturb” registry for telemarketers. This is something like “Know your advertiser law”. Each ad should have a link saying how did the advertiser decide to show an ad to us. With the link we will be able to identify what private items have been breached and how, then have a handle to reset the identifiers or invoke the right to forget button.

Why I am worried right now is, I thought if I pay for digital services then I would be safe from prying eyes, but increasingly corporations are getting greedier and breaching trust. Without some laws that protect individuals and privacy through some powerful tools, it is not going to be easy to stop this non sense going on even if you start paying for their services.

Selling something is very hard, I see this very often at my workplace. A successful sale has stories of so many disappointments, setbacks and strong will to persist through tough times. Even after seeing through all this, I get annoyed when I encounter salespeople who run their runbook on me. I want to buy something for my needs, but I don’t want something to be sold to me through ill will and tactics.

Here are some tactics that I find extremely annoying

Bait and switch

This is so common and effective when you are on the move. We do not prefer cold water so we asked the waiter at a restaurant to get bottled water at room temperature for us. He let us know that he can’t get the water unless we bill it and pay for it. Once we got it billed he gave us cold water saying they have run out of stock of room temperature ones. He pointed to the bill saying goods once sold cannot be taken back when I wanted to return it, we got our money back after creating a scene at the restaurant.

Useless add ons or replacements

This starts with small places like coffee shops to big places like car dealers. This tactic is used to trick the customer into buying add ons that bring great margins with little use to the customer. This is taught as cross selling and up selling to sales people to target ignorance. Have you ever wondered why service bills for cars usually go 2-3 times higher than a regular listed price service, I have been advised to replace my clutch plate which I declined and was able to run it for 30,000 kms more; same with batteries, vipers, brake pads etc. On top of it the cleaning services which adds up to a huge amount if you opt for, which by default the service advisor (salesperson’s fancy title) will add and wait for you to strike that out. I waited once for them to write down all of that and make them do it and refused to pay citing legal reasons that they had written it down in the complaints section instead of opt-in requests section, they immediately cut down the charges fearing legal issues.

Terrorize

This is the favourite one for hospitals and insurance agents who play using the fear in people’s mind. It is very evident if you have rented a car, the salesperson will never let you drive the car out without a hefty insurance package. We were told stories by the salesperson how someone had rented a car last week which was broken into by thieves and how the renter suffered loss of property and on top of it was liable to pay huge fines for car damages. We sternly refused additional insurance as we had got it covered through our company, the salesperson brought a manager outside and who explained that we cannot rent it out as it is at their discretion to prevent damages. We asked for a written statement for the refusal so that we can sue, we were given a car in 10 minutes.

Fake demand

This is common where there is no way to verify demand-supply. You will be presented with a nice product with an offer price that is slightly lower than the advertised price and will be asked to decide then and there to agree or there is someone else to buy. The salesperson will also revise to a higher price to introduce a fake demand.

Ego play

This is a double edged tactic used to make people upgrade. The common way it is executed is you will be asked for a budget and given very sub standard options in that budget. When someone asks for an eye catching option, the salesperson will dismiss it saying that it is not in their budget and hurt their ego. This will make people go for the higher priced product instead of sticking to their budget. Another ego play tactic used on couples is placing one of the spouses as the deciding authority by saying statements like ‘it seems someone else has the control on the budget’, ‘it seems you have no purchasing power’. It instigates a fight within the couple but one of them ends up buying.

Acting insanely good

This is very tough to negotiate out if you can’t say no. The salesperson will spend a great amount of time explaining things to you, help you go through lots and lots of information (often to confuse) and then pounce on you to make a purchase on one of the options. If you step in to look only for options, you may end up buying something because of the pressure exerted on you. I have encountered a person who refused me to go out through the door mentioning ‘I have spent so much time explaining to you, you have to buy something, I deserve it’.

There are many more tactics, with the web it is rapidly replaced by computers upselling and cross selling. As a buyer it is getting increasingly difficult to buy only what we need, instead we buy what is being sold.

 

 

 

It is increasingly annoying to visit any place and be assured that you will get good service at the right price or as advertised.

Scenario 1 (Major MNC Bank) – A bank approached me saying that if I hold a salary account with them then I get preferential treatment which means lower interest rates, locker facilities, no pre-closure charges on loans etc. It was on their website, I ended up converting it to the salary account. Surprise 1 – I wanted to pre-close my loan and they said I need to pay a fine of 5% of outstanding (it is flat rate, much more than I will pay interest for remaining instalments). I called up the relationship manager assigned to me and he cooly said, in the fine print it is written that you have to pay a fine, we can waive you for any new loans you take from now. Surprise 2 – I wanted to get a locker, I was slapped with a requirement of taking a useless insurance product with them with a lock in of 5 years. When I pointed them the ad, they said “it is for RBI compliance; we can add you to the waiting list if you wanted as per RBI guidelines”. I got the waiting list number after threatening them about an ombudsman complaint.

Scenario 2 (Multi national car brand) – I took my car to a reputed brand’s service center. The service engineer asked me about the complaints which I did not have any. He proceeded to fill a lot of details in the complaints section like A/C, Air filter etc. I pulled out the user manual to cross verify and it was recommended to be done only after a year not the current service cycle. When I pointed out, he sheepishly smiled and removed the line items saying all customers want their cars in pristine condition so they go for it. I thought he removed all additional items but when I went to collect the car I was billed an additional 1500 rupees. To my shock, he had written A/C cleaning twice and struck off only once; he mentioned that I had signed after reading through all of them. I then threatened them that A/C cleaning is not a complaint in legal terms and it is a customer request which has not been put up in appropriate column so I can take this up with consumer court. Immediately these guys relented and reduced the bill.

The list goes on I was denied insurance claim saying it is a fraudulent claim and then I approached the ombudsman who awarded the case in favour of me. The restaurants waiting for you to open the bottle on the table and then slapping 200 rupees for mineral water which was not told you anywhere. The medical shop switching generics for branded ones which are sometimes 3-4 times expensive.

My advise is to know your surroundings and your rights. It is not possible to read all the fine print but do not allow people to take you for a ride.