We started 2019 with some predictions of things we felt would happen in 2019. Let's see if they've come true yet.
1. Signing things
People will still sign things they shouldn’t sign, and won’t sign things that they should sign. they won’t read or understand hire purchase, tenancies or loans agreements and, most importantly, investments and insurance contracts. Some will continue to assume (incorrectly) that “verbal” agreements have some value when they later need to take action against someone who has abused them. People will continue to be exploited because of this.
Update: It wasn't really a consumer issue but someone contracted us with a tenancy issue. She'd moved in without signing an agreement. Subsequently the landlord had presented her with an agreement that included a with security deposit (which is normal) but she hasn't yet signed it. Now the landlord wants to sell property (again that's a normal thing). Should she pay the deposit? Yes, if she wants the assurance of a tenancy and if she wants to stay there if the property is sold. However, if she wants to save some money, she can refuse to sign the agreement. But then she'll have no assurance that she can stay there.
Update: Someone asked: “Can somebody kindly explain to me how car insurance works. We have police report and my insurer says I should pay excess of P3,000?” I bet the "excess" payment is described in detail in the insurance policy. But has he read it recently? Or even at all?
2. Ponzi and pyramid schemes
These scams will continue to promise wealth, comfort and excitement in return for recruiting multiple levels of victims beneath us. But they only one real aim: to make lots of money for the people at the top and at the expense of those lower down. However, they’ll soon face the fact that, for the first time in our history as a nation, their schemes are now illegal. Section 9 of 2018 Consumer Protection Act makes this very clear.
Update: 4 Corners Alliance. I asked one of their recruiters a few questions.
Q: “Do we make money mainly from sales or recruiting.”
A. “From recruiting my dear. But if you want to sell you can still sell and make more”
Q. “But the easiest way is to recruit other people?”
A. “Yes my dear”
4 Corners Alliance is a pyramid scheme.
Update: “International Breadwinners”
They describe themselves as “A network marketing business where by u join with P100 and recruit 2 people and they will be registered under u. this 2 people they also recruit their 2 people. Is a business of 2x2. Everyone who joins must bring 2 people. Then u elevate as more people come on board and move stages.”
This scheme is run in Botswana by a pastor with the close involvement of his wife and daughter. Interestingly the couple were previously promoting Jamalife, another pyramid scheme.
I asked them some questions:
Q. “Do we sell products or do we just recruit other people?”
A. “we dnt sell anything”
Q. “It’s a pyramid scheme?”
A. “nope” (CW begs to differ)
He then said “I’m on duty driving will talk when I’m free.” What sort of duty might that be? It seems that as well as running church, he's a serving police officer.
Update: This has been posted around Facebook, apparently from The President but clearly NOT.
"you just pay the registration fees". That tells you all you need to know.
3. Magical health claims
Peddlers of miracle and magical health claims will find that Botswana is a harder place to sell their dangerous lies. They won’t go away but they will be silenced more quickly thanks to new and more effective regulators.
Update: Green World offer what they call a “medical scanner” otherwise known as the “Quantum Resonance Magnetic Analyser Machine”.
They claim that it can diagnose disorders such as “Anaemia, High blood pressure, Low blood pressure, Nutritional deficiency, Prostate disorder (not cancer), stroke, Low sperm count, hormonal imbalances, erectile dysfunction, ovarian cysts, cardiovascular problems, cerebrovascular problems, bone problems”.
BOMRA, the Medicines Regulatory Authority reported that:
“3 pharmacists were arrested in Francistown for allegedly selling unregistered and potentially harmful contraceptives. The 3 pharmacist (names withheld) were nabbed in a joint operation led by BOMRA inspectors and other law enforcement officers”They later asked consumer to:
“join us in the fight against counterfeit & unregistered medical products (medicines, medical devices & cosmetics.) Play your part. Blow the whistle!! 0800 600 216”Green World should beware!