Saturday, 22 April 2017

Which do you want to be?

The same old questions keep coming in.

I’m not complaining about them, in fact none of the Consumer Watchdog team are impatient about them because the questions we’re asked are all so important.

We’re asked, for instance, repeatedly about hire purchase and how readers can get out of the mess hire purchase leaves them in (they can’t). They also ask us about contracts they’ve signed, wondering if they can escape them (they can’t). They ask us about whether they can have their insurance policy premiums refunded after they cancel a policy against which they never claimed (they can’t).

Most recently, there have been two very commonly asked questions, ones that people ask us over and over again.

The first is whether they should “invest” in forex.

Let’s start at the beginning. Forex is an abbreviation for “Foreign Exchange”, the process of exchanging one currency for another. Anyone who’s travelled internationally will know the process. However, you’ll often see Forex being advertised as a way of making lots of money very quickly. The idea being sold is very simple. Sign up on an online trading platform, send them money and you can start trading between various currencies, trying to buy some cheap and sell them when they improve in value.

It sounds simple but the truth is very different.

Despite what the salespeople will tell you, Forex trading has the potential to ruin your finances. A reader contacted us asking about one particular web site that offers to multiply (“leverage” is the technical term) your investment by up to 200 times, effectively giving you millions of Pula to trade with. What they neglect to tell their potential customers is that it works both ways. Yes, if you can correctly predict the fluctuations in the exchange rates between currencies you might make some money but they conveniently forget to tell you that it also means you can lose your entire “investment” almost immediately if the exchange rates go the other way. Within minutes of searching online you’ll find many stories of people who had lost millions in moments trading Forex.

Another issue that the forex salespeople neglect to mention is that forex trading is competitive. As a forex trader you’re trying to outwit and be smarter that other forex traders. For everyone who bets on the Dollar, Pula or Yen and wins, someone else loses. But who exactly are you fighting against? In fact, you’re probably not competing against other normal people like you and me, you’re actually competing against experts with PhDs in mathematical sciences employed by banks and investment companies and increasingly against highly developed algorithms running on massively powerful supercomputers.

Do you really think you’re likely to win when you’re fighting against people and machines like these?

People better qualified to comment than me, such as the North American Securities Administrators Association, have commented that “forex trading by retail investors is at best extremely risky, and at worst, outright fraud.”

The US Commodity Futures Trading Commission issued a warning to consumers that said: “If you are tempted to invest, make sure you understand these products and above all, only invest what you can afford to lose.”

Doesn’t this make you VERY cautious? It certainly should.

Another newer question that we’re asked very often indeed is whether people should “invest” in Bitcoin. The answer must begin with a description of what Bitcoin actually is.

Bitcoin is a currency, but not like any currency you've known before. It's a digital currency, sometimes called a virtual currency or a cryptocurrency. There are no coins or notes with Bitcoin, no bits of metal or paper, nothing you can put in your wallet or purse. Bitcoins exist purely in cyberspace. Think of it as online money but nothing like MyZaka, Orange Money or eWallet, they’re just ways of moving Pula from one place to another. Bitcoin is a currency itself.

And that confuses people. What confuses them more is the technology behind Bitcoin. Terms like "blockchain", "distributed ledger" and "Bitcoin mining" are hard to understand unless you're an expert. There's also the simple confusion that your money is "out there" somewhere and not in your pocket. That's something new and confusing.

But Bitcoin is real. It’s very high risk, very volatile and the value of Bitcoins has been known to drop dramatically as well as increase dramatically but it’s a real thing.

The problem is that as well as Bitcoin there are plenty of schemes pretending to be like Bitcoin. Schemes like OneCoin, Pipcoin and also the various pyramid and Ponzi schemes like MMM Global and the Bitclub Network. None of these things are real in the way Bitcoin is real. They’re all just exploiting our ignorance of these new technologies.

We had some news recently about how dangerous these fakes can be. In Kazakhstan the Ministry of Finance’s Economic Investigation Service arrested a number of OneCoin “investors”, describing it as “a criminal scheme”, suggesting that as much as US$7 million might have been taken from victims.

Onecoin also recently had many of its accounts in Germany frozen by the German Federal Financial Supervisory Authority once they realised that it was “one of the most dangerous money games of recent years” and that it was probably a “collaboration between the Bulgarian and Russian mafia”. It’s estimated that as many as 25,000 victims might have lost as much as $424 million, over P4.4 billion.

And guess what? None of them will get a single thebe back. Organised crime syndicates and the Bulgarian and Russian mafia aren’t going to do the decent thing. Criminals don’t offer refunds.

The lesson is simple. Anyone selling any scheme who claims you can get rich quickly without being a certified, qualified and a recognized financial expert is almost certainly lying. Worse still, they’re not just lying, they’re actively trying to steal your money. Your choice is simple. Would you rather be the cautious member of your family and circle of friends who thinks before handing over their life savings or the one who gives away their money to the first hoodlum who walks past?

Your choice.

The Voice - Consumer's Voice

Must I pay?

I took my car to the dealer on 3rd of April 2017. My car made some noise/sound when driving. I got a call from them that afternoon, and they informed me that they have been able to establish where the noise was coming from, and as such they have to order some parts from South Africa so that they can fix the car, to which I agreed.

On Friday 7th, I received a call them informing me that the car had been fixed and was ready for collection. They gave me an invoice which I signed, and that was covered by the service/motor plan. When I left with the car, I realised that my car still had the same noise but the dealer had already closed.

On Monday I took my car back and I was referred to one of the service managers. We test drived the car together, and he promised that he will make sure that the car is fixed. This afternoon, I got a call from them informing me that they have identified the source of the noise, and that some stones had gone into some part of the wheel, and they are the source of the noise. He further informed me that they have to open it up, and remove them, and I will have to pay since that is not covered by the motor plan.

Now my concern is that I cannot be made to pay for the same thing twice. I signed an invoice of around P3500, which was taken care of by the motor plan, and now I have to pay cash again for something that they failed to fix on Friday 10th. They ordered parts and attended to something that was not the problem, and now that they have identified the real problem they want me to pay. Kindly advice if I have to pay again or not. I am a bit confused right now.


I’m also a bit confused. You didn’t pay for the original work they did, did you? That was covered by the motor plan and didn’t actually cost you anything at all. Or am I missing something?

If they’d correctly discovered the problem the first time they would have asked you to pay for it because it wasn’t covered by the motor plan, wouldn’t they? Either way you would have been responsible for the repair work they did. All you’ve suffered is the inconvenience of losing your car for several days when they fixed a non-existent problem.

Yes, in answer to your question, I do think you need to pay for the work they plan to do.

I want my debt repaid!

I don't know if this falls under your scope of work or action. I have engaged a debt collector to collect debt from someone. The amount is around P3000 and I paid P500 for the service.

The whole amount was paid to the debt collector but he have since failed to pass the money to me. I engaged him by October 2016 and they had promised to have closed the case by December 2016. He is no longer taking my calls or even replying to my sms.

Thus I don't know if you can offer me any assistance in such a matter.


It’s ironic, don’t you think, that you might need to hire a debt collector to chase a debt collector?

Part of the problem with debt collectors is that the industry is entirely unregulated. Unlike many other industries that have a body like NBFIRA overseeing them, debt collectors are entirely uncontrolled. They’re not like deputy sheriffs where there are strict rules about their conduct. Anyone can call themselves a debt collector and start collecting money on other people’s behalf.

It’s one of the few areas where I think there’s needs to be some intervention from Government. We hear so many times exactly the same story as you’ve told. Debt collectors take money from their clients such as you and then appear to do precisely nothing to earn it. I understand that they might be doing work behind the scenes but they need to give you some sort of report about that. You’re entitled to regular updates on the progress they’ve made and some indication of when you’ll get the money you’re owed back.

First we need to find the guy. Send me his contact details and I’ll do my best private eye impression. If we can find him we’ll threaten him with debt collectors, the Smalls Claims Court, The Voice and anything else we can think of that might frighten him into doing the decent thing.

Saturday, 15 April 2017

Standards (we need them)

The original meaning of the word “standard” referred to a flag, the sort of flag an army would fly in a battle so their troops, not always the most organized of people, would know where to go after they overcame their bloodlust and confusion. It was the place they tried to be. It was an objective.

And that’s what standards are today. We have targets, principles and benchmarks that our managers or boards set for us. They’re places we’re meant to go. A standard might be to answer the phone within three rings, to respond to enquiries from prospective customers within twenty-four hours or to resolve a complaint within seven days.

In other words a standard is something that most companies miss.

You’ve only got to see the posts in our Facebook group to see this. We get so many posts complaining about companies that simply fail to meet basic standards of courtesy, responsiveness and basic business sense.


But there’s another type of standard that I think is more important. The standards you see emerging from the Botswana Bureau of Standards. You’ll have seen notices in Mmegi and now online from the Bureau inviting people to comment on draft standards on hundreds, perhaps even thousands of different things, from adhesives to eggs and from kitchen cupboards to cement pipes. It’s hard to find any area of life where BOBS hasn’t approved a standard regarding the quality of goods than are used in Botswana.

But here’s a critical thing. Many of these standards are voluntary. They’re not compulsory. Just because there’s a standard for something it doesn’t automatically mean that it’s illegal not to reach that standard. The best example I know is the general standard for quality management, ISO 9000. This set of standards covers how organisations maintain the highest standards of customer care, internal quality control and management. And it’s a voluntary standards and that’s the way I like it. I don’t want a set of rules saying that customers must be respected, treated with courtesy and always satisfied. The reason I don’t want such rules to be compulsory is that I want there to be variation. I want companies to be able to choose how well they deal with customers so we, the consumers, get to choose who succeeds in business and who fails. I want that power to be in our hands, not someone else’s. Perhaps the best weapon we have in the battle for good service is the power we have to demolish suppliers who offer bad service. We, the consumers, the market, get to decide.

I also believe in choice. I want to be able to choose a builder who uses slightly better, BOBS-certified products rather than the perhaps slightly cheaper builder who uses inferior, not-up-to-standard products. It’ll cost me a little more and I might need to save for a little longer to afford it but the result will be a better, longer-lasting, cheaper-to-maintain house.

But there are certain standards that are compulsory. Not many compared to the voluntary standards, but they’re the important ones. They’re the ones that really matter, that have a direct impact on public safety. They include a range of household electrical equipment such as sockets, plugs and adaptors, electrical irons and water heaters, all things that if they malfunction, can burn down your house. If your house does catch fire maybe you’ll be comforted by the compulsory standards for fire extinguishing equipment that help ensure they work properly when you need them.

On the road you should also feel some comfort knowing that the tyres you bought for your vehicle must have met their standards we well, at least on the day you bought them. What you’ve done to them subsequently is more a job for the police to observe.

At the shops you’ll also be protected by the compulsory standards that govern dairy products such as milk and yoghurt and also peanut butter, canned fish, cereals and pulses.

Perhaps most importantly of all there are standards for drinking water, either from the tap or in bottles. Anyone who supplies you with such water must make they maintain those basic standards.
But there’s more. Did you know there are compulsory standards that cover the wax crayons that our kids use to ensure they’re not full of toxic chemicals? Did you know that there are also several compulsory standards relating to the safety of children’s toys? I suspect that a lot of the toys you see in certain stores would fail those standards miserably.

And then there’s the big one. The standard that has probably caused more controversy than any other in the history of standards in Botswana. Plastic bags.

There’s been controversy about plastic bags for years, what with the reported introduction of a “plastic bag levy” some years ago, something that turned out to be a fiction, despite what the media reported. There never was a levy, no money was collected, no environmental protection efforts were funded by it. It didn’t exist. All that existed was a compulsory standard for plastic carrier bags that required them be of a certain quality. What happened was that stores were forced by this compulsory standard to use better quality bags and the cost of this was passed straight on to you and me, the customers. The answers given by our politicians about this recently simply confirmed this. There is no plan to ban plastic bags, just the continued enforcement of an existing standard.

Meanwhile, I believe very strongly that there should be a plastic bag levy. In fact, I think there should be a levy charged on everything that damages our environment. We need to catch up with the rest of the world that is making us, the people who consume and waste so much, the people that are causing the damage to our environments, to pay to help fix the problem.

While I might be a consumer rights advocate, I’m also a consumer responsibility advocate and the sooner we’re forced to take some responsibility the better. It’s not just industry that needs to meet some standards, it’s you and me as well.

Friday, 14 April 2017

The Voice - Consumer's Voice

Where’s my TV?

I bought LG39 inch TV through high purchase in December 2013, I have completed paying for this TV on in December 2015, but it got damaged while still under warranty. The TV was returned to the store who promised to fix it on January 2016. They gave me a temporary Hisense TV whilst mine was to be fixed. I waited for the replacement of my LG TV for almost a year because it was out of stock, as they have promised to replace it with a new TV.

However they failed to fix my TV and their Hisense TV has since broken down. In February 2017 they gave me another TV which according to record was used in that shop as a Demo TV. This TV was dumped at my home with no papers whatsoever. When I told them about their TV, the only answer I got from them was “you always damage TV sets”. I am still waiting for them to collect their Hisense TV and give me my LG TV or alternatively give me my money so I can by elsewhere.


This is tricky. The first thing to understand is that the store is obliged, during the warranty period, to either fix the TV when it broke, or to replace it. However, I don’t think you have a right to have the TV necessarily replaced with an entirely new one. You don’t mention when exactly the TV stopped working but let’s assume it was 18 months after your first received it? In that case you’re entitled to a TV that is equivalent to the one that stopped working, the one that was now a year and a half old. Not a brand new one. Meanwhile the TV must be roughly equivalent to the broken one. It must be of the same quality and functionality. If the former demonstration TV they gave you is roughly the same quality as the original then I think you’ve done reasonably well.

It’s also important to understand that you’re not going to get your money back. As far as the store, and the hire purchase agreement are concerned, the deal is done, You were given a TV for the period of the agreement and they got their money. That transaction is over.

Where’s my laptop?

I bought a laptop on high purchase and it got stolen from my house as it was broken into while we were away attending a relative's funeral. However, I reported the issue to the shop and was asked to submit all the necessary documents from the police as proof of theft. An officer from the store also called in at my house to do assessment for further verification of theft.

I was then asked to wait while the necessary procedures are done hence be given a replacement thereafter; that was in June 2015.  Up to now I haven't received any response from them but rather I recently received a phone call from a debt collector's office that I am owing the shop money and that I am requested to pay such monies or I will face some repossession. I'm asking for your help with regard to this.


I know I shouldn’t find it amusing but what exactly do they think they can repossess? Does their credit control department not speak to their claims department? Don’t they know the laptop has long gone?

The problem you’ll face is if you owe them money. Did you stop paying your instalments after the laptop was stolen? If that’s the case then you’ll be in breach of the hire purchase agreement and that almost certainly means they’re no longer obliged to replace it.

I’ve said this before but one of the many problems with hire purchase is that you don’t own the item you’re buying until you’ve made the final payment. Until that moment, you’re just hiring the item, that’s why it’s called HIRE purchase. The laptop still belongs to the store. It’s also important to understand that the hire purchase agreement you signed will say very clearly that you only have rights to possess the item, or to have it replaced if its stolen or damaged if you’ve kept up with the instalments. If you’re in arrears you have no virtually no rights, just obligations.

I suggest you contact the store urgently and find out how much you owe them. Then you’ll have to pay it, even without having the laptop, but that’s how hire purchase works. Horrible, I know.

Friday, 7 April 2017

Do you want an award?

What about a fancy certificate that you can frame and put up on your office wall to impress visitors? What about a gold-painted trophy you can put on your desk. That’ll impress people and bring in new business, don’t you think?

You could fake one I suppose, that’s easy enough. Like fake degrees, anyone with a laptop, some high-quality paper and a color laser printer could produce a fake award in half an hour. But that’s not so impressive.

What about getting a real award? Or a semi-real award?

We’ve heard from several people in the last few weeks about an email they received from “Business Initiative Directions” in Spain, announcing that they’ve won an “International Quality Summit Award”. The email begins:
“XXX has been selected to receive the International Quality Summit (IQS) Award in the Gold category at the International Quality Convention which will take place in New York, the United States of America, on Monday, May 29th. The decision to present this award is the result of research and analysis carried out through Quality Hunters, leaders, entrepreneurs and experts in quality, directed by Business Initiative Directions (BID), to recognize the contribution of XXX in terms of Leadership, Quality, Innovation and Excellence.”
The email goes on about how carefully they’ve selected the winners and promises that the award:
“will strengthen your position of leadership and help you to improve the growth and visibility of your organisation.”
Impressive, don’t you think? Or is it?


Other than being a company based in Madrid, Spain, who exactly is this company, Business Initiative Directions? What qualifies them to give awards?

That’s a very difficult question to answer. Their web site makes it clear that they have a history of giving companies awards but that doesn’t explain how they’re qualified to do so.

I think there’s a simpler question to answer. How do BID benefit from this award ceremony in New York? What’s in it for them?

They make money from it. A lot.

The attachments in the award email explain how you get to attend the two-day ceremony in New York. You pay BID “participation costs of 4,200 euros” to attend. That’s about P45,000 and for that you get “Two invitations for the IQS Gala Dinner Ceremony”, a trophy, a certificate, a manual of graphics you can use to market your award, a press release, some photos of you and your colleagues getting the award, “two gold-plated lapel pins”, an opportunity to speak at the ceremony and two nights in the Marriot Marquis Hotel where the ceremony will take place.


The small print then explains that the hotel accommodation “will be provided in one double occupancy room”.

So let’s summarise what you get for your P45,000. Dinner for two people, two nights in a hotel room that you must share with a colleague, a trophy, two lapel pins, some photos and a whole lot of paper. Did you notice what was missing from that list?

The travel costs to New York. I did some amateur research and this is what this “award” will actually cost you, all conveniently converted to Pula. P45,000 for the ceremony and shared hotel rooms, around P25,000 in economy class flights from Gaborone to New York, maybe another P5,000 in transit, food, drink and living expenses, making it a total of P75,000.

I also checked the price of the hotel rooms for the dates in May when the ceremony is taking place and the basic room rate for two nights will be about P6,000. Given that BID will have booked many rooms for the people attending I’m sure they got a special rate. And yes, remember that the ceremony fee includes the room so even if you decide to stay in a cheaper hotel of with your cousin who lives in New York, you’re still paying for the Marriot Marquis Hotel, whether you’re there or not. Let’s be generous and add in another P5,000 per “winner” for the conference room, dinner, photographer and the rather vulgar trophy you receive and I suspect that BID make a profit of at least P30,000 for every award they give away to the companies fool enough to part with that sort of cash for the privilege of attending.

So that’s why they’re offering these awards to companies around the world, companies that might have no track record of ever achieving anything or of actually deserving an award. It’s all about the money.

And some psychology. Here’s another thing about why these awards are persuasive, why they sucker people into parting with such large amounts of money. It’s what psychologists call cognitive dissonance, the stress experienced by someone simultaneously holding contradictory beliefs. The knowledge that they’re spending P75,000 for a trophy, a dinner, some photos and a certificate they secretly know are probably worthless leads them to self-justification: “I’m not stupid, the fact that I spent all this money must mean it’s worth it.” Their critical faculties dissolve and they construct elaborate justifications for their actions. The fact that they have a trophy for their desk, a certificate for their boardroom wall and a logo for their web site are enough for them to suppress the stress they felt when they realised they just wasted someone’s salary on a worthless prize.

Then they’ll discover something else. Something that will burst their balloon, something that might bring their cognitive dissonance back with a vengeance. Check this for yourself. Google “Business Initiative Directions” and you’ll find that after their own web site, the third most popular response is from guess who? Yes, Consumer Watchdog, warning people in 2010 about their awards scheme and suggesting that people shouldn’t waste their money on something so suspicious.

Do you really want that, an award that many people question, that your customers, competitors and employees might very quickly conclude is bogus? Is that the sort of award you want to support your fragile ego? Wouldn’t it be better to invest the P75,000 in some market research, staff training or new web site?

Better still, why don’t you spend the money on your own awards ceremony. Spend it on your staff and give them a dinner to remember and some prizes for the best performers. That’ll improve your business much more effectively than a silly trophy.

The Voice - Consumer's Voice

Can I get my money back?

I would like to lodge a complaint against a travel agent as I am not happy with the service I received from them. I bought a return flight ticket to Durban in December 2016 with my surname incorrectly spelt. However, I was allowed to board a flight to Joburg on and when I got to Joburg I was not allowed to check in for my flight to Durban as they told me I cannot board the flight with wrong names and I need to contact my agency so they can correct the ticket. I made efforts to call the travel agency however, they did not answer the call. I also sent an email which was never responded to. We also made efforts to find the emergency number for the travel agency but could not bear fruit. I then resorted to purchasing another ticket as the next flight was about to leave. I was advised that I should ask for a refund from the airline at the airport which I did. I came back to Botswana and submitted the documents for a refund on the first week of January 2017. I continuously followed the travel agency for my refund and never got any positive update. I was called last week to collect a cheque which amounted to P1,300. I am however unhappy with the amount I am getting which is about a third of what I spent to purchase the ticket which was P3,600 as I was inconvenienced by the service provider and it was not my fault that my name was incorrectly spelt.


This is a tricky one. Yes, clearly the travel agent made a mistake and they need to take responsibility for fixing it. They also need to say sorry for ruining your trip. Anyone who’s ever had a travel mix-up like this knows how frustrating and disturbing it can be. My first reaction would be to say that they should compensate you for your losses, specifically for the P3,600 you were forced to pay to buy a replacement ticket, not just the P1,300 you originally paid them. It was their mistake that brought this all about.

However, you might need to look at the small print on your ticket or booking confirmation they sent you. Did it say that you should check the name on your ticket? I know when I’ve booked tickets the travel agent has been very careful to get my name right and has explained to me that if there’s a mistake there might be problems when I fly. Did they explain this to you? If they didn’t then I think it was their job, as the experts in international travel to educate you about this. That’s one of the reasons we pay companies like travel agents, electronics stores, banks and insurance companies a little extra. We’re buying their expertise as well as their products.

Assuming they didn’t, I think it’s up to them to make things right. We’ll be happy to contact them and get their side of the story if you need us to.

Can I return it?

Please help me. I bought a fridge, it's initial price was P7899 and it was marked down to P5999 because it had a dent in the bottom (freezer) door. They delivered the goods last week Friday, the fifth day I bought them yet they promised to deliver them on Tuesday. So I wasn't home when they brought them, so my husband received them and left for our home village. There was noone all weekend and when I got home Monday after work I realised there are some other two dents in the door and now they are giving me a hard time. So is it possible for me to return it? Mind you, I bought it cash!


This might be difficult but it’s worth a try.

Yes, I believe you can probably return it. You need to tell them in writing that they failed to deliver goods that were "of merchantable quality" as required by Section 13 (1) (a) of the Consumer Protection Regulations 2001. Tell them in your letter that you knew there was minor damage (which you should describe) but you had not agreed to accept the greater level of damage you now find in the item. Make sure your letter describes that damage as well.

You should also state that you formally cancel the purchase based on their failure and that you demand, as required by Section 15 (1) (e) of the Regulations, that they "promptly restore" the payment you made to them.

And finally, congratulations to you for buying something for cash instead of using hire purchase. Congratulations also for accepting a discounted item that wasn’t in perfect condition. If more us shopped smartly like you did, things would be a lot better for all of us.

Saturday, 1 April 2017

Ten Commandments

What are the rules we need to live by in the modern technological world? Are the rules actually any different to the rules our parents and grandparents had to learn? In fact, I don’t think anything has changed. Here are ten rules that I think apply today but aren’t actually new.

1. Don’t trust strangers, particularly if they offer you money, a business “opportunity” or love.
Anyone offering you sudden wealth, a fantastic job which you know you're not really qualified to get and anyone, absolutely anyone who says they love you when you've never seen them "in the flesh" can't be trusted. They're after your money, money you’ll never see again. Remember that scammers don't offer refunds.

2. Things that seem too good to be true ARE too good to be true.
Schemes like Pipcoin and Billcoin that suggest you can make a “99% return within 24 hours” or even just 90% per month are lying. They're simply not true. No investment scheme in the history of the world has been able to offer that sort of return. That applies to South Africans who arrive in Botswana driving gold-painted cars as well. In fact, anyone who suggests you can earn more than five times what a bank will offer you is lying. Whenever anyone offers you a way to make amazing amounts of money ask yourself this. How do they benefit from me joining their scheme? If it’s so good, why aren’t they keeping it to themselves?

3. Miracle cures aren't really cures.
Products like Xango, the magical juice that its proponents say can apparently “combat” cancer, diabetes, leukemia, Alzheimers and dementia and can “improve HIV” can't actually do these things. If they could, someone would have been awarded the Nobel Prize for Medicine by now. And probably the Nobel Prize for Peace as well. They would deserve both. Products like Xango are dangerous and the people selling them should be ashamed of the things they’re doing

4. The only way to become physically healthier or slimmer is to eat better and exercise more.
Despite what the peddlers of many health products will tell you, there are no easy fixes, no highways to getting healthier. No magic potion, no herb, no ridiculous machine can fast track health. The only way to get healthier is to eat better and to exercise more. And drink lots of water. And get more sleep.

5. If you want commitment, sign a written agreement.
Whenever you sell or buy something put the agreement in writing. Remember that verbal agreements have no value. Even though a court will listen to arguments about verbal agreements, where's the proof that you made one? Courts like things in writing. With signatures. And dates. And witnesses. It doesn't need to be anything complicated but get your agreement down in black and white to protect yourself.

6. If you can’t commit to an agreement, don’t sign it.
If you can't commit to something, don't sign anything. If you're in any doubt, don't sign it. Go away and think about it. Sleep on it, come back back the next day and you'll think more rationally. Don’t imprison yourself in an agreement you might not be able to stick to.

7. Never sign an agreement you haven’t read or don’t understand.
Hire purchase agreements, tenancy agreements, cellphone contracts, whatever it might be, if you don't understand it, don't sign it. Always, and I DO mean always, make sure that any contract has a termination clause that allows you to walk away. If there isn't one, ask yourself why? Always take an agreement home to consider overnight. Show it to someone who can explain it to you.

Don't ever sign an agreement after you've taken alcohol or haven't had enough sleep. Never.

8. Don’t trust a communication channel that isn’t secure.
Don't do anything sensitive on a public WiFi network. Yes, that DOES include internet banking. Save that for home. Yes, you can visit Facebook, yes you can tweet, yes you can surf the web looking for whatever titillates you, but no, don’t go banking.

9. Qualifications from institutions that just want money aren't real qualifications.
Real qualification require essays, research papers, dissertations and exams. Any establishment that says you can shortcut this based on "life experience" and a credit card payment is lying. Remember that if you get a job or a promotion based on a bogus qualification your employer can fire you and call the police and have you charged with obtaining by false pretence. You might get jail time. Is it worth the risk?

10. Do the maths before deciding anything. I mean anything.
Even if you're not so good at maths, there's no excuse. Everyone has a cellphone and even the cheapest of them has a built-in calculator. Before you commit to any financial obligation do the maths. Calculate if you can afford the deal. If you can't do the maths, then ask us. Or ask your Mum or the auntie who's a maths teacher. Ask your kid’s maths teacher, ask anyone who can do the maths for you if you don’t trust your own maths skills.

I’m sure you can think of other “commandments” we should follow if we want to protect ourselves but maybe this list is a beginning. It’s also important to know that none of the threats we face are new, they’re the same as the threats our ancestors faced, they’re just now more widespread. That’s probably the only change that new technology has had. The threats are the same but they are communicated much more easily. In the past a chain letter scam took enormous effort to run but in 2017 the internet has allowed scammers and crooks access to millions of potential victims in moments. The good news is that it also means we can spread the commandments just as easily.

What rules would you add to the list? Send me some more and we’ll publish them as well. Who knows, you might save someone from heartache and poverty.

The Voice - Consumer's Voice

Must they fix my car?

I bought a car for a sum of P60,000 from a second-had dealer in Mogoditshane on the 28 January 2017.

A month and three days after purchase of the car on 3 March 2017 while driving it, the car slowed down speed and stopped. I switched it on again drove but it could not accelerate over the speed of 60 km.
I called the dealer and they suggested that I took the car back to them. I did that on 8 March 2017. The owner said that he will only provide labour to fix and that I must take of the parts cost. Ever since then different diagnosis have been reported to me and still no progress.

Kindly assist. It was stated on the receipt that there was no warranty.


I suspect you’re going to be out of luck. Most times when you buy a second-hand car, particularly if it’s from a smaller dealership and not one of the manufacturers’ approved dealers, the sale is done “voetstoots”. That mean the vehicle is sold “as it stands” or “as seen”. The seller is making clear that it’s your job as the buyer to inspect the vehicle before buying it and to take responsibility for any faults that emerge once you drive it away. That’s what the “no warranty” statement on the receipt refers to.

However, that doesn’t mean they can totally disclaim any responsibility for the vehicle. They can’t use the voetstoots clause to deceive you. They can’t hide facts from you about the car. They can’t lie.

If you can show that they deceived you when you bought the car then you can probably demand that they either fix the vehicle or give you a refund. If that didn’t happen then I suspect you’ll find it hard to make them take responsibility. Given also that the problems didn’t emerge until a month later you’re facing an uphill battle.

The lesson is always get a second-hand car checked by an expert before you hand over your money. If you don’t have a friend or relative who has the skills it’s worth approaching a mechanic you trust to see if they can help. Giving them a few hundred Pula for their time might save you tens of thousands in the long run.

Help me get my refund!

I joined a medical aid scheme in 2012 and I opted for a policy of P125 monthly which was the highest.  Since 2012 I thought this medical aid deducted P125 from my Bank Account.  I realised last year that they have been deducting P250, and I called them.  The lady who was assisting me told me that In their records it shows that I signed for an instalment of P250, and I told her that is their highest policy was P125 and both of us made a mistake because they don't have a policy amounting to P250 so they should refund me.

They asked me to ask my bank to print me the statements that show that they deducted P250. I did that and I was only given the recent statement that reflect deduction of P250 but they kept on insisting that they need all the statements.  The bank asked me to ask them to retrieve the information from their records as it will show how they have been deducting when they reconcile their books.  They told me that they can't access any information from their side and they can't refund me because I couldn't give them the statements as they required.  Since December 2016, I have been following them there is no progress what can I do?  I think they don't want to refund me.


I think you might be right. They’ve got your money and they want to keep it.

It’s not unreasonable for the medical aid company to want some evidence that you’ve been overcharged but it IS unreasonable of them not to be able to do this themselves. Don’t they have a computerised billing system? Can’t they use it to print a report of all your payments going back to when you joined? Wouldn’t that actually be more reliable than bank statements?

If they do have such a system and they’re refusing to use it then I think you should complain about them to NBFIRA. On the other hand if they don’t have a computerised billing system then they shouldn’t be in business so you should complain to NBFIRA. Either way maybe NBFIRA can encourage them to do the right thing. Meanwhile we’ll get in touch with them as well and see if we can persuade them to be a bit more helpful.