Telemarketing | Telemarketer | Telemarketing Fraud | Telephone Salescalls

10 WAYS TO AVOID BEING A VICTIM

1 Don't allow yourself to be pushed into a hurried decision.

There may be times when you'll want to make a prompt decision, but those occasions shouldn't involve an irrevocable financial commitment to purchase a product or make an investment that you're not familiar with from a caller that you don't know. And purchase decisions should never be made under pressure.

2 Always request written information, by mail, about the product, service, investment or charity and about the organization that's offering it.

For legitimate firms, this shouldn't be a problem. Swindlers, however, may not want to give you time for adequate consideration, may not have written material available, or may not want to risk a run-in with legal or regulatory authorities by putting fraudulent statements in writing.

Also insist on having enough time to study any information provided before being contacted again or agreeing to meet with anyone in person. Some high-pressure telephone sales calls are solely for the purpose of persuading you to meet with an even higher-pressure sales person in your home!

3 Don't make any investment or purchase you don't fully understand.

4 Ask what state or federal agencies the firm is regulated by and/or is required to be registered with.

5 Check out the company or organization.

If you assume a firm wouldn't provide you with information, references, or regulatory contacts unless the information was accurate and reliable, that's precisely what swindlers want you to assume. They know that most people never bother to follow through. Look at it this way: Most victims of fraud contact a regulatory agency after they've lost their money; it's far better to make the contact and obtain whatever information is available while you still have your money.

6 If an investment or major purchase is involved, request that information also be sent to your accountant, financial advisor, banker, or attorney for evaluation and an opinion.

7 Ask what recourse you would have if you make a purchase and aren't satisfied.

8 Beware of testimonials that you may have no way of checking out.

9 Don't provide personal financial information over the phone unless you are absolutely certain the caller has a bona fide need to know.

10 If necessary, hang up.

If you're simply not interested, if you become subject to high-pressure sales tactics, if you can't obtain the information you want or get evasive answers, or if you hear your own better judgment whispering that you may be making a serious mistake, just say good-bye.

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