Complaints Handling

COMPLAINTS 

This words always hit hard if you are a debt collector, supervisor, or heading any department of operations in collection agency. From my point of experience its the nastiest day to work when you get to know there is a  complaint against you from any customer. Its never that you can stopover on complaints to come, where there is customer you have complaints, you cant  halt the complaints but you cannot avoid the complaints.

Never get into situation or be confirm on your compliance part so even if the complaint is on, you can stand safe.

Always remember you are on weak side while collecting any debt and you have to be very particular what you speak a change in word, or sentence can arise a complaint its not easy job but when you do things right you don't have to worry for. Many customers know their rights or laws now days, so be particular as they are more educated then you in terms of "Debt Collection". They can make things worst by Legal manners where company has to shell out the finances for out of court settlement or even can demand for the waiver of what you are collecting for(Balance). There are some legal advisory who finds this type of opportunity and makes their livelihood from your point of error and its a boon for customer and bread butter for legal advisory. If the customer is irate or you sense a complaint filling get down on lower side and let the customer speak you will get the time where you can keep your point of view and avoid complaint this is the best way to handle the complaint situation Or else let the conversation is taken by your manager or supervisor a change of voice also helps in this situation as customer feel that he has achieved someone where he can make things worst for you. A change in voice also leads to avoid complaints.

How does customer files a complaint ?

To report an alleged violation of your rights and file a complaint against a debt collector, start by contacting your state’s attorney general. If your state has its own laws (in addition to federal debt collection laws) governing collection procedures, your attorney general’s office will know.

You can also contact the Federal Trade Commission (FTC) and file a complaint. The FTC does not resolve problems; it records complaints, and looks for patterns and trends about a particular business.

To file a complaint with the FTC about a debt collector’s practices, write to:
Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, DC 20580
FTC’s toll-free helpline at 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261.

An Expectant Attitude

Attitude is one of the most important ingredients in determining success or lack thereof for all people. Successful people have one thing in common - an expectant attitude of success. Most people begin each morning in neutral and react to events of the day. You can be one of the successful people in life by starting each day with a positive attitude, a gratitude for the opportunities you have, and an expectancy of the best for yourself.

People tend to live up to expectations. We get out of life just about what we put into it. Our environment becomes a mirror of our spirit, our attitude, and expectations. If we keep a great attitude, we get great results. If we have a fair attitude, we accomplish fair results, and if we have a poor attitude, we accomplish poor results. The world will give you back what you expect, so expect the very best. Don't be defensive or doubtful. Nothing changes unless you do. Before you can do something, you've got to be something. Know that you have worth and value. Show that to the world.

Treat everyone you come in contact with as the most important person of the hour. It will build self-esteem. Smile! You'll be rewarded with a returned smile. Don't react to discourtesy. Forgive everyone who ever hurt you. Then, forgive yourself. Keep yourself healthy.
Develop these good habits and your expectancy will be rewarded by successes. This attitude will put you into that group of people who are truly successful, because you will know and understand how an expectant attitude enhances every aspect of your life.

How to Speak Well And Confidently

Speaker Are you very shy when it comes to new surroundings, such as starting a new class or moving to a new area? Sometimes, it is necessary to overcome your shyness and speak confidently. By doing this, it can help you not only to share your ideas properly to others, but also to learn communicating with others. Here are a few steps to consider when speaking with confidence.

Steps:

1. Learn how to have conversations with people. Your ideas or opinions may not always be accepted by others, but this is nothing unusual. Open your mouth, express your beliefs! This will improve your courage.
2. Don’t be afraid and speak loudly. If you speak in a low voice, not only will others not be able to hear what you say, but you will also portray a submissive demeanor, which suggests the opposite of a confident one.
3. Make eye contact when you speak. For one thing, it is polite for others. Also, eye contact will help others to listen to your thinking carefully.
4. Praise yourself everyday! This will promote your own confidence, which is important when you speak. With more confidence, people will take your thinking more seriously.

Tips

* don’t be nervous when you make mistakes. Human error is far from being a new concept — nobody is perfect! It is normal for everyone to make mistakes. Just calm down and keep speaking bravely.
* Try and try again! This may be difficult for a shy person at first, but you need to force yourself to speak, and not seclude your thoughts. If you have some ideas, then try to speak out! Don't just keep them in your head.
* If you have self confidence issues, try to think that you are the only one who has sound knowledge about the topic. Then go ahead and impart your knowledge to the audience in an effective way.
* Remember that there is a fine line between confidence and arrogance. Don't portray an exaggerated amount of confidence, or you will come off as arrogant, believing that your ideas are better than the ideas of everyone else.