Cymru Marketing Journal - (CMJUK) - Online Business Journal & Digital Marketing Agency. Business News, Directory, SEO, Social Media Management, Advertising, Reviews, Forum, Market Research, Content Writing & Website Design. Thinking Local, Acting Global.

Month: May 2020

Do Not Look Down At People, Show Respect!

Respect Colour, Race, Religion and Gender and Status.

People in all walks of life have someone they know who thinks they are better than everyone else.

The may claim to be experts even though they blag their way through life to gain the attention and respect they so crave.

Whether it is business or at home there is always an elimant of self worth where we try to prove we are sometimes something we are not.

Just because we may have a title, a badge are a celebrity, royalty or a tycoon, does not give anyone the right to treat others the way you would not like to be treated. Just because you have money, are a director of a company does not give you the right to be unkind, use and abuse and be cruel. Money does not bring you happiness, enriching other people brings you happiness and respect.

You do not gain respect for how much money you have in your bank, you gain respect by teaching others how you made that money and how you can empower that individual to also be as successful as you.

The “Do Unto Others” Bible Verse

Matthew 7:12 – “So in everything, do unto others what you would have them do to you, for this sums up the Law and the Prophets.”

Its can be borderline narcissistic to look down ones nose at another being for what ever reason we so choose.

We should not judge or make innuendos and sit on our thrown casting stones, we should also not use or abuse people and treat people badly especially the vulnerable.

However people with money and power think they can buy what ever they want and treat people without any respect. We in society are segregated into classes and the people on the top of the food chain are usually the ones that do not care what happens to the ordinary folk, that is why the world is the way it is. Unfortunately I cannot change the world single handily.

Did you know there is a chemical our brains produce when we do something kind or witness another person being kind?, it is called ‘Oxytocin’ The chemical is responsible for feeling love and connection and the more kinder you are the more people are enriched and also do kind things in return.

People want to be respected yet not everyone does get that privilege and there are many especially in business the higher up the ladder they sit, the more mightier some people seem to think they are.

As an example I know of a certain individual without mentioning any names that has sat on his high chair claiming to be an expert in more than one field. This person was once a startup and he too yearnes the respect yet he shows none to others.

I put it down to the fact he is feeling insecure about himself so he spouts out atrocities to feel better about himself without actually realising what he has done to the other person that he may in fact not know very well.

Before casting stones think what it will do to the other person. Some people cannot handle critisism and this may actually tip them over the edge.

Do you want to be that peron that has pushed another too far?

Would you be able to sleep at night if you knew someone had harmed themselves because of you.

Just because you feel intimidated do not intimidate someone else to make yourself feel better.

Some of the greatest entrepreneurs of our time have struggled with fear and self doubt. Just because they hide behind their clean and crisp shiny suites does not make them “super ceo’s”. You cannot know for certain what is going through someones mind when you make detrimental comments about another person. You do not know what the other person has gone through when you make your own opinions about that person.

Here are some tips about gaining respect and teaching it to others.

1. Respect yourself.

I learnt the hard way and this is why I can hold my head up high, someone elses opinion is insignificant to me.

You are your own boss and you control your own destiny.

Without sounding cliche, no one will respect you unless you respect yourself. Love yourself and people will love you.

By showing respect to other people and being kind you in turn will be rewarded for your honorable and courteous behavior.

Remember only you know your self worth and no one can make assumptions without knowing your full story. Do not claim to be someone your are not.

2.  To get respect, give respect.

Do not throw stones in glass houses. You do not want to be spoken about badly behind your back so do not speak ill of people when they are not around. People around you want just as much respect as you do. Think of this way karma has a way of pay you back, do not tempt fate as you may end up holding the other side of the coin. Afterall you should still be courteaus and respectful to the person who may be disrespectul to you as this will make you the bigger person. To gain their respect show interest in them and try and contribute by being helpful.

3.  Finding a mentor.

By growing a network of like minded people you have the opportunity to be respected because of what you have to say, humans are very complex labyrinthine beings, with only a handful of people whose names are immediately recognizable and well respected. If you are able to learn from someone who is well known in their field of expertise you will find people will follow you like lambs and will be eager to learn from you. By having a great following of people especially on social media you will naturally gain the respect you so rightfully deserve. By having a large network of people interested in your niche you will not only learn from others but you will also be able to teach what you have learnt.

4.  Mentoring Others.

By mentoring others and helping them climb the ladder of success not only will this help others it will also help you. If you can invest your time teaching others this will in turn cause a ripple effect and the ones you teach will then be able to teach others and will avoid costly mistakes, yet will always refer to the mentor that originally taught them and you will then gain notoriety and respect.

By enriching the lives of others you will be remembered and referred to and in time you would have built your own legacy.

5.  Honesty is the best policy

Do not pretend to be something you are not. The best way to gain respect is to communicate face to face. If something is bothering you or you are not sure about, talk it over, do not hide behind your superior ego.

I had someone most recently without any explanation terminate an agreement. Rather than talk things over to see what they felt was not working for them they chose to cut their losses only to realise that they had infact lost more than they had bargained for.

Through their ill representation of someone who claimed to be an expert in more than one field they had in fact lost several thousands ££££ of advertising and looking at their analytics report a lot of business too and they will not hold global positioning on a local search directory because of the their mistake.

Yet had they have stayed they would have been dominated in their industry and would have held exact match searchable keyword domain names all because of misguidance by someone sitting on their high throne. As an example I have written many contracts in my time but that does not make me a solicitor, so the same could be said for the individual who also claims to be a SEO expert.

All it would have taken was communication from the other Director and his assocociates to resolve the matter.

Not only that they will now how to start from scratch and it will cost them an arm and a leg to get back what they had and more.

There is a saying you reap what you sow. They would have had more repsect from me had they talked things over.

As my daughter now says its their loss.

People value authenticity and honesty more than they value respect and by not being honest and transparent they have now bitten off more than they can chew.

6.  Self Representation & Appearance

I will reflect back to a time when I was in a toxic relationship and everything I owned was destroyed and everytime I replaced things these things would get destroyed also, so I stopped replacing them until I could free myself from the toxicity in my life.

This obviously showed in my appearance as I started to play down my appearance and my personality and kept myself to myself. The fear of being humiliated for looking nice was my ultimate sacrifice until I could rebuild my life. But there were certain individuals that chose to be judgemental without knowing the full story and not only did I have to put up with toxicity in my personal life I was faced with snide comments in my work environment.

So I chose to take a stand and remove myself from the people that were weighing me down. This was like the world had lifted off my shoulders. I did not have to prove myself to no one. Either these people accepted me for whom I was or not at all.

I did learn something though looks matter, people are judgemental and I started to love myself again and have started to respect myself although deep down I always respected myself, but found that other people did not.

I started blooming again after so many years of being a closed flower bud. Whenever I went out which was very rarely pre covid -19, I chose to look smart, I wanted to show the world I had picked myself up again and that I was ready to face anyone, holding my head up tall.

You don’t need to earn a lot of money to look smart or professional, you just got to look the part.

By looking great you not only look nice, you also feel better about yourself and are more confident. Your behaviour will reflect your personality and people will take notice and will show you more respect. Looking great, walking tall with your head up high makes you look successful and you feel in your mind you can conquer the world, however looking slouched and you posture not straight gives people a different impression.

I also know my self worth, I also have published 3 books and am writing 2 more. I am well respected in my industry. If you think badly of me then it is your loss not mine.

7.  Surround yourself with positive people.

Surrounding yourself with like minded positive people that understand how you think, you will benefit from your friendship with them, from their teachings, makes you a more assertive individual. If on the other hand you constantly associated with negative, depressing, artificial, or critical people, this will boil over to your own personality and you too will act and think like these people.

Nobody respects negative, artificial critical people.

The most certain way to gain respect is to be associated with people that show respect to others and do not talk about others behind their backs in a negative way.

Respect grows in a self-reciprocal way. When others respect you, you feel confident and you then respect them back.

8.  Stay Knowlegable and Teach Well.

When someone is eager to learn and is thankful for your teaching you will gain respect.

If you are associated with a person who is defensive, arrogant, condescending, and totally unteachable, not only are you wasting your valuable time with them, you are also weighing yourself down with a person that refuses to learn and refuses to show respect. These people who do not want to help themselves have pretty much given up on themselves, they think they can do as they please without consequences.

There are always consequences with our actions.

If the person that wants to learn everything, will listen, they will be the ones that will show you respect for the knowlege you have passed on to them.

Conclusion

Respect should be appreciated in your home, your work and private life and in all walks of life.

There are so many people in the news nowadays that do not show respect, from the Police in the USA that killed “George Floyd” because they thought they were better than him and hid behind their shield to gain authority, to “Jefferey Epstein” and the dirty old men that thought using and abusing young females, was completely fine and had little regard for these girls as they had no esteems themselves. No matter who you are and where you come from and what title you hold, you should always show respect to other people.

If you stripped your titles and you were left in the room with your arched enemy and there was only the two of you left to save the world would you kill each other or would you help one another? The same goes if you needed a blood transfusion in order to live would you die or would you take the blood from your enemy who was willing to save your life? These are all hypothetical scenarios but you get the drift.

Respect is not a commodity that can be bought, traded, sold, or exchanged, respect can only be earned or lost. Yet in the case of “Jefferey Epstien” he tried buying respect with money. Eventually everything comes out and in the case of “Jefferey’s” partner who has gone into hiding “Ghislaine Maxwell” the daughter of “Robert Maxwell” will she ever gain the respect from all the girls that were abused or the rest of the world for that matter?, only the artificial people in her life will continue to look up to her. Did I forget to mention there is bounty on her by “The Sun Newspaper” of £10,000 reward for her wherabouts.

No matter who you are, showing respect to others you will gain admiration, appreciation, and respect naturally without having to use unnecessary means or paying for it as in the case of the Police in the George Floyd & Jeffery Epstein cases. Preying on vulnerable young girls and taking advantage of them them does not make you a Prince or a President, it makes you not a worthy person.

People are not garbage, people have feelings and we are all on this planet together all trying to do the same thing and that is to survive and build a bigger brighter future for generations to come.

Consider the consequences of your actions next time you say or do something bad to another individual.

Cardiff Solicitors Domain Names For Sale

Cardiff Solicitors Law Domain Names For Sale!

Due to Covid-19 cutting costs, one of our clients has dropped these already developed domain names.

www.cardiffprobatesolicitors.co.uk is a blog and is already generating traffic and Google have ranked it, so depending on the frequency of the new content submitted the blog is hovering between page 1 and page 2 of Google organically. Today it is on page 1.

Cardiff Probate Solicitors has about 362,000 results (meaning this the amount of website/blogs for these keywords.

Breakdown of valuation of this domain name www.cardiffprobatesolicitors.co.uk

Probate Solicitors has searched for 1,600 times per month with the highest bid for PPC advertising at the cost of £36.99 per click and at the lowest £7.17

So if we calculate 1,600 multiplied by £36.99 = £59.184 per month in advertising multiplied by 12 months (as that is the average time your website/blog will take to be ranked and get on the first page of Google) = £710,208.00 in PPC advertising. But not everyone that see’s your advert will click on it (the average click through ratio is 2%) which gives a grand total of how much this domain is worth based on £36.00 per bid = £14,204.16

So the asking price would be £10,000

Otherwise a payment plan over 3 years would be £300 per month.

***This is valuation price is without a website, hosting, design, development, SEO and marketing.

NHS Complaint – Well Roath Pharmacy City Road Cardiff

Meddygfa Albany Surgery & Well Roath Pharmacy City Road

Due to the coronavirus people who are vulnerable are given the option to have their medication delivered to their property as in the case of my daughter.

So last week I arranged for the medication to be delivered to my property but forgot that my daughter had a hospital appointment and because I cannot get up and down the stairs I would have relied on her to open the door to get the medication from the courier.

The pharmacy was reluctant to do a delivery and the pharmacist I spoke to said is there anyone that can collect the medication on behalf of my daughter i.e a neighbour or friend.

So again the pharmacy have contradicted themselves they asked if we knew anyone that could pick up the medication, but would not leave the medication with a secure neighbour inside my house.

Now you have to imagine the scenario I live in a terrace house, I live upstairs with my daughter, whilst there is a young family down stairs who are my tennants so I trust them implicitly, furthermore my door bell is a video cam so I can record who is at my door should I wish to do so ( however in this instance I did not and in a way I am gutted as I could have uploaded it but mores the pity I did not record it, lesson learnt I suppose for future).

Now pre covid-19 you as a patient can nominate anyone to pick up your prescription from over the counter if you are unable to do so yourself.

Here is my rant the courier came whilst my daughter was out, so I could not go down the stairs but I heard my tennant open the door. the courier did not want to leave the medication with my tennant and proceeded then to intercom me where I said to him I could not go down the stairs and for him to leave it with my tennant.

He refused point blank and said he would get sacked and I said “who would report him to get sacked” ceratainly not me seeing as I would be grateful that he had empathy and had done my daughter a favour and saved her from exposing her to an unsafe and dangerous environment.

So if my daughter God Forbid contracts this disease I can then sue the Pharmacy and the Courier and the NHS, I would go after everyone individually and I was once told by a solicitor that I could have been one 🙂

He went onto say he could not leave the medication with anyone other than the name on the parcel. I said but the medication is for my daughter and not for me, so my name is not on the parcel. He then said but he could leave it with me, so he contradicted himself as my name was not on the parcel.

I called him an “a@@eh@@e” and he doubled back and said what did you say?, being confrontational in which I turned off the intercom and cut him off.

Now my daughter has to go to the pharmacy to risk her own life to collect the medication that this idiot could have left with my tennant, who could have been the nominated person to collect the prescription over the counter pre-covid time and I could have recorded the delivery on my ‘Bell Cam’, but the courier did not give me a chance to do that.

I understand the point that you cannot hand over the medication to just anyone, but this was my tennant and I could have recorded the whole thing as an added precaution and security measure.

I am now going to name and shame this courier and pharmacy and the GP Surgery:

https://finder.well.co.uk/store/roath-city-road

I do not give a damn about this GP and Pharamacy and they have been on my radar for a long time now, with the doctor mis-diagnosing my daughter and giving her Gaviscon for a Auto-Immune Disease.

Not only this, when I first contacted the named pharmacy they refused to do the delivery and said they will do it just this once out of charity and tried to get us to ask a neighbour or friend to come and collect it instead…(no security issue there so it seems).

Yet you expect to clap for them every Thursday, they know what they are doing when they sign up for a job, you would not see soldiers crying because they are on the front line the same goes for the NHS they know what they signed up for when they chose the job.

For the pharmacy making that statement and being reluctant to do the delivery, my daughter already reported them to the council once already, she aims to do it again if this medication is not delivered.

One knows the risks prior for doing the job, so do not moan about the job and do your job properly.

Yes the doctors and nurse do a grand job don’t get me wrong but you would not pay off a heart surgeons mortgage if you had a heart attack and he saved your life. The same goes for the MOD (Ministry of Defence), but we do not stand on the doorstep clapping our hands for them, do we !

So to top it all my daughter went to collect the medication from the pharmacy after being told by the courier it would be back at the pharamcy today. Only to be told by the pharmacy the courier had not come back. So my daughter is now going to have to go again a second time.

15.52 The saga continues. I phoned the pharmacy and asked to see how we could resolve the ongoing problem and they said they attempted to deliver once so they have done their job…….

I reiterrated that my daughter is vulnerable and she cannot go again to the pharmacy, so they replied they will ask their one and only driver to deliver it again but could not make and guarantees. The pharmacy have no care for the patients well being.

I put the question to them if I was to send my tennant to the pharmacy what would be the difference of leaving the medication with the same tennant that lived in my house? The pharmasist could not answer me other than saying delivery drivers have to leave the medication with the patient. So if I was able to get downstairs this morning and I am not the patient the delivery driver should not have been able to give the medication to me, yet he said he was going to leave it with me even though I was not the named patient on the package.

Watch how they will try and justify their shambles of an excuse of a rule that makes no sense at all, that can be broken depending if the person used their intiative and used more than one brain cell. If I was the courier I would have asked the tennant to sign for the medication, its not hard and would have covered his sorry a@@e!

So the appointed person can collect the medication but the delivery driver cannot leave it with the appointed person even though the delivery would be video recorded….. work that one out?

My daughter also observed how the pharmacist was walking at a super slow pace even though there was a queue of people waiting in a line on the foot path in the scorching sun to be served. My daughter said the pharmacist was slower than a sloth

and was asking a patient to re-spell multiple times.

By coincidence I assume it was the same person that asked me three times today to spell the name of my daughter, which only has four characters in the name.

If I was the manager of that pharmacy I would have a stop watch on my staff member and retrain my staff.

This is unbelievable and a total shambles.

If the one and only driver fails to deliver, then tomorrow they will feel my wrath and will be showing them this post.

17.57 Update the Driver Failed to Deliver, why does that not suprise me….

Update Tuesday 26th May 2020

The same digruntled courier did deliver the medication and these are my daughters words not mine, “his body language and tone in his voice gave the impression he does not like his job”.

***Do not use this GP or Pharmacy they are a waste of space.

Social Media Scammers

Social Media Scammers

Social Media Scammers and how Social Media should change to stop fake accounts.

Its all very well having social media platforms where people can register accounts but more should be done to stop fake accounts, this in turn would save thousands of people being scammed out their life savings.

These scammers usually target businesses as they think businesses are in the position to hand out hard earned cash.

I once challenged a supposed Prince who shall remain nameless yet I have serveral different invitations to connect with the said individual with several different accounts. I got so infuriated that I ended writing to the family office and suggested as a security measure they should contact LinkedIn and take down every fake account to stop this happening. I still have a phone number and email address for this one particular individual who claimed he was a ruler of a certain country.

I am sure you have had emails such as for example the Lord Reginald Cuthbert the III who is 99 years old and on behalf of his late wife who left millions of dollars in a trust fund for their daughter who got killed in a car crash, you get the type of email I am talking about. They usually are found in the spam folder along side scammers saying your account has been accessed and unless you hand over ex amount of money they will let a virus destroy all your files or will send explicit images to all your contacts.

Well now I have encountered another scammer and I am calling on the real person of this image below to contact me with their rank number and army base they are stationed at as verification and for them to remove the fake carbon footprint off the internet. This potential can save many vulnerable people falling into a trap and being scammed.

Why am I making this my business?. because this person has contacted me and keeps engaging in text and email to me, I am concerned if he is not real then that the next person he befriends may not be so lucky and may get scammed.

If the shoe was on the other foot and this happened to me, I would contact all the websites to take my photos down and where people were impersonating me I would verify my identity to a concerned party without being offended and would understand that they are meerly performing due diligence to safe guard themselves from fraud. I certainly would not make a big deal about it and I would respect them more for taking security measures. When I challenged the supposed Prince and asked him contact me via email he got very irrate and said am I questioning him and direspecting him? The person was very intimidating and I should have insited on a video call rather than simply chat via text message he is still on my whatapp as an active user and this is from many months ago.

What gets me this particular individual in this photo I have published has had a whole album of photos posted on the internet so was his whole computer hacked that is the question?

I have spoken with the supposed person this evening whom is an American yet sounded like he had a middle eastern person distinctive foreign accent.

I will try to get this individuals rank number but when I asked him what time it was over where he was he pretended to not hear me and did not reply. I already know the time difference if where he says he is legitimate.

Will the Real Soldier Stand Up!!

These social media sites should put a stop to all fake accounts and verify each user with photo id.

So considering we are supposed to be security conscious this is not happening and I want to know why?

I am so tempted to start a petition to make all social media sites verify each account holder with 2 forms of id including photo id and a recent utility bill. This will stop all fake accounts.

Surely this guy has family and friends so someone will know how to contact him?

How can so many of these images get leaked on the internet?

I have even seen a photo of his passport, regardless if it is fake or not, that is not the point, the bigger question is where is this real person in this photo and why is he not doing anything to help himself and remove the fake data and help others from falling prey to these scammers?

There is such a thing as GDPR for those that do not know one can complain to them and have ones incorrect search results removed. Also where is his Army buddies they too can contact him and let him know what is going on.

Where is the guy?

Please share to find this guy and get him to contact me. What worries me is this person identity is being cloned to the extent that fraudsters are doing all sorts of damage to this individual and surely the Military should be advised if he is on active duty.

All these fraudsters should go to jail for impersonating military personnel. In fact impersonating any person should carry a custodial sentence. There is a way of tracking these people down with reverse data api’s so surely the people in the know can track these scammers down.

I need to do some research and find someone high ranking that I can talk to, I have a few thousand connections on Linkedin so someone is bound to know someone that I can speak with.

This individual I have spoken with this evening does not convince me he is the real McCoy and I need to find a way of verifying his identity because if he is not the real deal he obviously has ulterior motives to pose as a high ranking soldier.

My father was a soldier in the Polish Army in WWII and fought the battle of Monte Cassino before settling in the UK. He wrote a biography which you can read by clicking the link here: https://www.blurb.co.uk/b/2039987-in-the-name-of-our-father-and-his-son

So I have great respect for our military past and present and feel sorry for the individual this is happening to.

Awaiting positive feedback on my investigation.

Stay Safe.

Addendum 06/05/20

More Reading:

https://www.aarp.org/money/scams-fraud/info-2019/scams-on-social-media-networks.html

Help with Avoiding Being a Victim of Fraud

https://www.investor.gov/protect-your-investments/fraud/types-fraud/internet-and-social-media-fraud

What Facebook & Twitter are saying

https://www.finextra.com/newsarticle/35735/scammers-left-to-run-riot-on-social-media-which-finds

Addendum 08/05/20

Since writing this post a few days ago I contacted the supposed individual that had originally contacted me, by email and sent him a Non Disclosure Identy Verification Document for him to fill in and return to me. He seemed to get a bit angry by the tone of his reply in the way he wrote to me, I doubt that I will ever hear from him again.

Difficulties Working At Home On Lockdown

Difficulties Working a Home on Lockdown

I am sure I am not the only one saying this but working from home on Lockdown is starting to really get to me.

People who know me well, know that I do normally work from home anyway so there should be no difference, yet there is…

Firstly you have the neighbours doing DIY, banging and drilling, to standing outside your property chatting away with passers by for hours on end, interrupting your thought process and your work.

Or there is your household where normally my teenage daughter is in college but because of this lockdown she is at home, staying up until the early hours with her boyfriend playing xbox games and watching ‘Gordon Ramsey’. So your saying well what is wrong with that, well let me tell you.

  1. The volume of the TV is usually very loud so every day I say “can you turn the volume down”, which in turn is me being unreasonable and being a pain in the posterior.
  2. At least I have my mornings in peace to do my work, which is not so bad is it? So here I go on my rant……………, firstly I will say what my day consists of i) I I have to check my messages and respond. ii) Then I have to open my chat widgets for my business and my clients businesses, iii) then I do website development and marketing which my blog is part of my advertising structure and then finally iiii) I need to make phone calls. You can see the scenario unfolding when I start making calls and I have my daughter and her precious Prince of a boyfriend who have stayed up all night long to only come into my room and complain about me talking loud on the phone……Excuse me if I am missing something am I not trying to run a business here? Am I the only one keeping a roof over my head and who pays the bills? Secondly if I did not do what I do no one would be able to eat but I still feed my daughters boyfriend and not once has he offered to give me any money for food……….OK he has recently been laid off and is struggling to pay the bills and he has my daughter bailing him out, would I take any money from him?, most probably not but it would be nice to offer as a way to show you are a decent human being. So in theory the money that I earn that I give to my daughter goes to her boyfriend who would rather play games all day and all night long rather than go and stack shelves in Tesco’s.
  3. Then there is my blog which I think it helps my readers and businesses whom can learn a thing or two from me, but because the car dealer company yesterday in my previous post asked whom I was referring to, which I really did not want to say but thought seeing as I was put on the spot said my daughter boyfriend name, this in turn caused unrest in the household as the company then rang my daughter’s boyfriend and asked if he had complained. This in turn then opened a can of worms and I had to then ‘Explain Myself’ to him why I had mentioned him in the first place. He seemed not bothered and said he understood and then behind my back he then went on a rant to say how dare I use his name (how two faced) I was not going to use his name I just wanted to find out why this company was not being PCI compliant and hopefully save someone from having their card cloned. (Why do I have to explain myself to anyone on this planet as a matter of fact?) So now I am not allowed to write what I want on my blogs (which in theory is interfering with my business) just in case it offends anyone (like my daughter’s precious boyfriend). To think I was looking out for him as you should not give out your CVV number out to anyone, this is the thanks I get.

So working from home is extremely difficult and I have had first hand experience with Godaddy the other day when there was a screaming baby in the room of the call handler, it is not only embarrassing but unprofessional but what can you do in these troubled times. The woman I spoke too seemed very flustered as she was not concentrating on me but trying to find a way to quieten the infant down. I was obviously very patient and tried to reassure her that I understood what it is like juggling work in an home/office environment.

What I cannot understand that these Corporate Giants that have so much money they do not know what to do with themselves cannot integrate Chat Online Widgets. It is not hard to do and anyone can login and chat but for some reason like I found out today Google are not taking calls for Adwords or Online Chat. So if you have an urgent matter you have to schedule a call back which can be anything up to five days away, very infuriating. If I have chat widget intergrated and all the businesses I manage have chat what is their excuse?

Online Security (CVV Numbers)

Credit Card Security Data

My dilemma today is online security. After personally being asked for my CVV number when I started a contract with O2 over the phone the other day I am now going to voice my concerns on virtual paper.

If I look at how I collect online payments I use a secure gateway called www.stripe.com and www.gocardless.com both these payment collection services do not allow me to see the customers credit card details let alone their CVV number.

To collect payments I always send an email link where the customer clicks and goes to checkout, this is a more secure way of getting payments and is 100% encrypted.

However to collect payments over the phone in the situation we are in now whilst working from home I think this should not happen and if it does one should not give the CVV number. According to O2 they needed my card to do a credit check, they did not need my CVV number as I was not making a transaction, they just simply wanted to verify who I was yet they asked for it anyway and when I complained they said it was their policy and for me to take it or leave it.

At first I used my main card which has a bit of money on it and quickly thinking I remembered I had a second card with less money on so I used that one instead, but I had a horrible feeling what if my details where cloned/screenshot and used later on perhaps in a few weeks time, how would I expalin to the bank that says never give your pin or your CVV number to anyone. Would I get my money back if my bank account was wiped out overnight because I gave my CVV number out?, I do not think so. In fact an estimated £10 million is mishandled and sensitive client information is leaked across the internet each and every year. The PCI compliant solution ensures that this figure is decreased year on year.

If you are to collect telephone payments you should do it through an encrypted phone line.

So today another company ended on my radar when they phoned a friend of mine for a late payment and wanted to collect payment over the phone and again this company asked for the CVV number( which may I add he did not complain and I took it upon myself to invesitigate further without his knowledge). I thought it was wrong and contacted the company and their response was that it is common practice to ask for the CVV numbers over the phone…… What also was astonishing was that this very same company charged a late payment charge which I would have thought they would waiver considering the situation people are in right now especially as some people like my friend has recently lost his job.

I too have on my terms and conditions and on all my invoices a late payment disclaimer but I only use it as a deterrent and very rarely execute this unless the client is persistently avoiding payment.

So with the present climate am I going to enforce it on my clients who are late paying?, of course I am not, it would be like kicking someone in the teeth when they are down.

I understand if we were working in a normal economy and things were normal, but we are not and we need to be compassionate and think would that charge have gone on food rather than milk the customer dry.

In my opinion I hope the company reimburse my friend any late payments charges as that would be the decent thing to do. Furthermore they should offer my friend smaller re-payments and this goes for every car dealer in the country and insurance company until people start going back to work.

Also what is this £25 insurance refund about, thats insulting to say the least considering cars are not on the roads as much, so the chances of accidents are really slim and most cars are parked outside the residents home so the chances of theft are also remote, hence giving each car owner £25 is laughable but thats another post waiting to be written…….https://www.theguardian.com/money/2020/apr/21/admiral-car-insurance-refunds-coronavirus-lockdown-claims

Do not take advantage of people when they are at their lowest, think that this could happen to you and how would you feel. Just because you are a CEO or Director of a business does not make you invinsible or any different to a consumer.

Treat your customers right and the customers will look after you. Remember it takes years to build a good reputation and minute to ruin one.

My T&C’s has £100 late payment charge but I will not enforce it as I do not believe in taking advantage of people and I would rather help them make smaller payments to bring the account up to date. Besides the government is helping businesses stay afloat so showing empathy and compassion makes you a better person and a better company.

So I have started a ripple effect seeing as I am not associated with this particular company they have now raised a few flags with security data non PCI Compliancy and how they are taking advantage of people with late payments and in this day and age they need businesses like myself to market them to bring them more business.

It is common practice to encrypt calls and if they are not you can report a company to https://www.pcisecuritystandards.org/ if setting a payment over the phone and one is made to hand over a security number to a total stranger, this is deemed a secuity breach. Simply handing over your CVV number to another human is very risky to the consumer and goes with heavy fines for the company if they are caught taking payments over the phone without being PCI compliant.

If you need to collect a card payment send an email with a link that gets encrypted if you do not want to take payments over the phone. Otherwise ensure you are PCI compliant in order not to risk being fined.

I am not saying everyone is dishonest in this world but it only takes one person to clear out your bank account and they may not neccessarily do it on the same day you spoke with them it could be they hand it over to an accomplice or wait a week or two to cover their tracks.

Businesses should evaluate how they collect payments. If a payment has defaulted try getting the payment again, try at least two times and if after that the payment has not been paid then write an email and a letter saying that the account needs to be brought up to date and offer to help and give options especially if the person has run into a problems paying.

Do not slam late payment charges as the person may be in a vulnerable state and you do not know their circumstances. No one likes being in debt and all it takes a bit of communication and your problems get solved as well as theirs. You get the payment albeit it maybe a smaller amount over a longer period but at least you are helping the individual aswell as yourself. Afterall I would not want it on my conscience if someone did something to themselves just because I was hounding them for money.

  1. Communicate by letter, not everyone likes to talk over the phone.
  2. Give payment options
  3. Consider lowering the payments and collecting them over a longer period.
  4. Do not enforce late payment charges it does not say much about you if you do, especially now with the Coronavirus Covid-19 pandemic and people who have lost their jobs, their self esteem is not very high right now and they should not be worried about paying bills.
  5. When collecting payments over the phone have a secure encrypted line, did you know that business can be fined if they collect payments over the phone if they are not “PCI Compliant” No business handling payments is exempt from this fine, currently standing at 4% of annual turnover. Ensuring that your business is PCI compliant will stop the 4% fine and any future fines. To read further please go here: https://www.telecomsworldplc.co.uk/pci-compliancy

***I am calling on all businesses regardless of the industry you are in, that if you want to take payments over the phone that unless you are PCI Compliant you are risking getting fined.

Do not take that risk and Stay Safe People!

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