Tag Archives: insurance

Habitat Lifestyles cold call

You know I love cold callers…

*RING RING*

image

Hello, is that Mr Black?
If you say so.
I am from Habitat Lifestyle & I’d like a minute to talk to you and ask some questions please.
Sure. A minute.
Is your address 123 Fir Drive?
You tell me…
And is your phone number 0123 456789?
You called me…
Okay, thank you.
No problem. My pleasure.
Please can you tell me, is your age group between 45 and 55?
Well, first can you verify who you are?
Excuse me?
I’m about to answer personal questions, so I’d like to verify who you are.
I’m from Habitat Lifestyles…
Yes, but I need to know who YOU are…
I… Me… (now confused) I… I’m Daniel…
Okay Daniel. Hi.
Hello…
What’s your mother’s maiden name?
My mother’s…
…maiden name. Yes.
Why do you need to know?
I need to verify who you are. Please tell me so I can check on my computer. It won’t take a moment.
I can’t give you…
Sure, it’s just for verification. I need to check your details…
You can check that..?
I have my computer system waiting…
Estelle Limehouse… (now really unsure).
And the name of your first pet?
I’m from Habitat Lifestyles…
Yes, and I just need your first pet’s name… You understand?
I’m just calling from Habitat Lifestyles…
I know you say that, but I need to verify it. I mean I could be calling you from the Moon!
You’re on the MOON?!?
Of course not. You asked my address earlier. That would be silly Daniel, wouldn’t it?
I, erm… Yes?
Ha! The Moon! Imagine that!
Can I ask my questions now?
Well, not really… You’ve been over a minute already.

*click*

So much fun.

My guide on enjoying them.


Cold Call Stress Relief

Tips for dealing with sales/insurance/PPI calls etc.

Don’t hate them: ENJOY THEM!

I go for it with them I’ve had them swearing at me and slamming the phone down after 20 minutes of getting no where.

General just playing along with:

Misunderstanding what they’ve said.
THEM: ‘I’m calling regards your recent car crash…
ME: ‘Oh dear! I hope you are okay? We’re you hurt?

Repeating back what they’ve said in the form of a question:
THEM: ‘No, I’m calling regards your recent car crash…
ME: ‘You’re calling regards my recent car crash?

Bouncing back their questions:
THEM: ‘First I need some details to prove who you are.
ME: ‘Sounds reasonable. I’ll need some details from you for the same reason. What was your mother’s maiden name?

This can go on quite a while. Especially when they’ve read out the really long sales script they have to use and you then say ‘I’m sorry, it’s a bad line, can you repeat that?

Using the above multiple times in the same call winds them up, but just as they start to lose it, when they start getting really frustrated, you buy in to the sale and give them hope, but then say ‘I think I’ll take you up on this offer, but I do apologise, this line really is terrible, please can you call me straight back?’

They call back & you start all over again.

The last one I had started:

THEM: ‘Is that Mr. Lucas Black?
ME: ‘Is it?
THEM: ‘Are you Mr. Black?’
ME: ‘Am I?
THEM: ‘You are Mr. Black?
ME: ‘You seem pretty positive, so you’re probably right.
THEM: ‘So, you are Mr. Black?
ME: ‘Now I’m unsure. Who do you want to talk to?

Tip: Talk slowly and unsurely. It gives them confidence and relaxes them. They think you’ll be an easy mark.


Ouch… I’ve fallen…

Whenever I see the advert for injury insurance with the woman who tripped on strapping, I can’t help but fill in the real words…

“As I walked across the warehouse with no other reason than to catch a sly glimpse of the new guy with the muscles, I saw some strapping like the stuff used to bind boxes laying on the floor.

As I’m not a cleaner and I didn’t leave the strap there, I stepped over it instead of picking it up… I mean, like, why should I? It’s not mine…

…Anyway, as I daydreamed about the new guy I went out of my way to look like I hadn’t seen the strap, because I didn’t want to pick it up, I caught my foot in it and stumble a little bit.

My manager ran over to see if I was okay, and it was at that point I realised my stumble must have looked worse than it was, and I saw £££££ in my future… so I milked it for all it was worth…”

Had an injury at work? Then 9 times out of 10 you were probably not looking at what you were doing…. Suck it up and take the blame.

.


Things can only get better…

Do you remember the heady delights of my recent past ? I certainly do. Such memories!

Things slowly levelled out once I got my new job. After ending up with all cards, accounts and overdrafts maxed whilst trying to keep our heads above the water line I thought things were finally working out….

Sure, we’re living one month to the next whilst getting back on our feet, but we are in a position where we (thought) we could see light at the end of the tunnel – Oh how I laugh!

You see, the Almighty (must be one, because blind bad luck just isn’t this constructive) took me saying “At least it can’t get any worse…” as a challenge. As per usual, the Omnipotent one has been playing with a marked deck….

I got a trip to America recently with the new company – It was business, but so cool too! A new experience for me. On the weekend of my return some numpty idiot driver decided to try and drive through a solid object… that object being my wife and Alex in Bernie  (The Berlingo….. not my idea…).

That wrote the car off, so we had to get another car…. bear in mind we live from month to month with no spare cash…..

During the time the claim was being investigated we were supplied a courtesy car – a rather lovely Golf TDi… We were told that once the claim was settled we would have the car for 8 days after receiving the money so we had time to buy a new car… 8 days… that’s a bit of a push!

The Golf TDi... I want one!

The Golf TDi... I want one!

After the fuss of claiming for the car crash (the other party admitted it all) we finally had the cheque sent to us… BUT we were then told that the courtesy car had to go back 8 days after the claim was settled…. which means settled – post cheque – 3 days -, clear cheque – 5 days, have money to buy car… 8 days after settling… HANG ON… that’s the day we give the courtesy car back! We have just one day to buy a car!

I dropped Chris at work last weekend and my Mother in Law came up to help look after Alex as we toured car lots looking for cars. I didn’t want to go private as I only had enough money for a deposit until the cheque cleared, and I also wanted some warranty – so trade sales were the way forward.

As I only had the day to buy a car, I decided to look for 2 types of car. A long distance car for me, or a town car for Chris. We need two cars, so at least if I could get one of those I’d be in a better position – and it gave me double the options on my 1 day shopping trip…

The first car I looked at was okay… the place it was being sold from was okay…. and then we checked out a list of other cars throughout the whole day…..

Each new place had a dodgier car and dodgier sales people…. it was futile! We ended up at some guys house. He had three cars in various states of dirt, grime and rust… and a big old scar on his face…. he seemed honest enough, I’ll give him that, but I just didn’t feel this was right… not from his driveway instead of a sales lot!

A Cowboy yesterday

A Cowboy about to sell a car yesterday

So the day ended with me planning to go back to that very first car… much like a lady going shoe shopping….. Spend all day and then choose shoe number 1….

All the places had shut, so I would have to go back to car number one the following day. All that was left to do was to pick Chris up from work.

On the way back from her work I decided to take a 2 minute detour to pass a place I knew from years ago – a place I had bought a car from before….

YES!!! You are right!!! There wasn’t one available.

We drove off……

… only to find Farnham Carriage Company on the same road… a place I didn’t know existed…a supermarket car park sized lot full of cars!!!

It was closed, but unlocked so we took a walk around. Nothing…. until we realised the cars carried on around the corner of the lot and into the distance… and still nothing…. until we saw a small purple Ford Fiesta…..

57,000 miles on the clock. Spotless interior. All original. Engine bay was spotless – even the fabric wadding under the bonnet was in mint condition! All that for £995…..

I called the guy and said I’d be back….

We pick “Filbert” up tomorrow….

“Hurrah!” I hear you cry! Things are working out for you! A random chance at a random place and you spot a car! Bravo….

Yes… you’d be right to think that…. but the wise would think that this must just be a part of a greater plan to set me up for a fall… Offer me a chair and then whip it away as I sit down…

Thursday night We settle down to go to bed. I have the Doctors the next day as I have a really bad ear ache (5 days, getting worse… lots of pain – silly to go to work as I was dizzy and really not thinking straight – but I work through stuff that isn’t contagious.. if I can).

At 1.30am Chris notices the bed is wet… and it isn’t either of us (yet) or the mental pussy cat that sleeps at that spot…… a glance at the ceiling shows it bulging down a good 4 inches… dripping away….

Trouble - The Mental Pussy Tat - (Blergh)

"Trouble" - The Mental Puddy Tat

OH CARP!!!

I quickly go into the loft (for the first time in ages) and see sodden wood frames and a dripping ball cock valve… I quickly wrap tape tightly around the valve to stem he drip… but really… this little drip is nothing…. it’s the time it has been dripping that was the problem…

Chris calls out that she needs to change buckets (as she was on bucket duty in the bedroom… drip catching). She says severla leaks have started… it only takes a slight touch and another leak appears…. the ceiling is on the very edge of letting go…

I run to Alex’s room, tip all of his toys from a huge toy bucket (half a bath size.. lots of noise, yet he carried on snoring!) and put it under the massed holes. Chris held it as I went rapidly stabbing the lowest part of the bulge…

A good 15 Gallons of dirty, fibre glass, wood, nails and plaster brown stinking water rushed out of the golf ball sized hole….

Further inspection in the loft showed that it was a matter of seconds before the ceiling would have collapsed… the whole panel was sodden and pulp.

Swollen Wood

I shut the water off outside (we didn’t have a tool at first…. then realised that last year the shut off was changed to a modern unti that can be done by hand….). Flushed the toilet, let taps run… released as much weight and water from the loft as possible.

Chris called up the Lloyds TSB Premier customer hotline as we have emergency cover with them….. they couldn’t get a guy out until 8am!!! NICE! That’s emergency for you….

I felt rubbish. It was 3.30am, I was coughing due to the damp and fibreglass. My ear was pounding…Sleep was near impossible so I chatted a while on Twitter whilst Chris got some shut eye. The wonderful ShoeGal007 chatted with me for a while and kept me sane. Twitter is such a lifesaver at times. As I’ve said before, it’s like a big social gathering of friends, colleagues and the Yellow pages! If you want to know something, then you just ask – or you can just chat away!

I got to sleep and shortly woke to go to work… but it didn’t take long to realise that that wasn’t going to happen. Admitting defeat I called in… I wasn’t happy.

A further call to Lloyds TSB and we found the next emergency plumber would be available after lunch, and not at 8am…. so I cancelled him. I had seen where the leak was, and knew it was a two minute job.

See…. It can’t get any worse….

We went out and brought a 12p washer…. and the job was done. All that was left was the wrecked ceiling, sodden storage boxes in the loft and the mouse poop….

WHAT? Mouse poop?

Yup… after the flood I noticed nibbled boxes in the loft space…. and clucters of mouse poop everywhere. Of we went to get mouse traps and sonic repellents to try and fix that problem…

No idea yet as to what the next move will be. We have insurance assessors due to look at the damaged ites, and surveyoys to check out the building itself, but then I don’t know…. I’ve never been here before!

I’ve never claimed any insurance before in my life until the last 3 weeks….. then house and car come along at once!

I’ll tell you what though – I’m not even going to hint at “Things can only get better…” because I’m sure some all seeing being will just take me up on that challenge….


Replacing Bernie

I spent the day looking at cars to replace the dead Citroen Berlingo. By dead I mean murdered…. by a numpty who doesn’t understand what a red light means… or that it isn’t possible to drive THROUGH a car.

I’m not happy about car hunting under pressure. The pressure being that the insurance payout has been sent and we have just 8 days to find a new car and then we have to give back the courtesy car…. That’s 8 days from when they sent the cheque… not from when it has cleared…. so go figure…. 3 days in the post… 5 days to clear…. that leaves ZERO days once we get the cash! We don’t have that type of cash to go out and get a replacement before the money clears, so the pressure is on to find a car from a dealer that will accept a small depost and then the full payment once the insurance money clears….

….and that annoys me….

If I am looking for a car, I like to take my time and not have to force my decision. I like to have private and trade to look through. As it is I can only go trade as no private seller would work a deposit from a card payment (which is the only way I can do it…. remember the crap financial situation I ended up in after my bad back and “support” from my previous company….).

I have been looking for cars for a while ever since the crash – just in case. Trouble is even if I found a car, I couldn’t do anything about it until the money came through… and by then the car I had seen for sale would have been gone.

So… I am forced into an 8 day window with only trade sellers – and I can only search on Saturday and Sunday… so 2 days. That really doesn’t give me much choice.

I reckon if someone crashes into you, then you should get the value of the car PLUS compensation for the fact you are pretty much forced to buy what you need, instead of being able to take your time and get what you want. I may end up with a junker at the end of all of this. I haven’t found the car I want – but they do come on the market several times a week… but I don’t have time to wait due to these insurance restrictions… GAH!!!!

I pretty fed up of all of this stuff – We get all the pain all due to that idiot driver…. whose parents own a car breakers, so he was back on the road straight away. Grrrrrr


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