Two emails recently came to us. The first said:
"On 19th January 2022 I got injured at a store by their employee while I was buying food. The wrapper fell on my right toe and I got an injury. The lady was trying to wrap the food, it happened that the wrapper fell on my toe. The supervisor has the whole information, he was the supervisor when it happened."The second said:
"On the 5 July I bought samp and chewed a stone that broke my 2 teeth."
These two people went to different stores but they were part of the same chain. Both victims complained to the store management and were asked for documents including medical and dental bills. The stores then passed over the details to the same insurance broker to process their claims for compensation. That's when more problems started. Delays. LONG delays. The first victim has now been waiting for nearly two years and the second for 5 months. Is this good enough? I don't think so. It was the job of the insurance broker to help these victims by processing their claims as quickly as possible.
The lesson here is if an accident happens in a store, speak to the management as soon as possible. Gather as much evidence as you can, take as many pictures and keep copies of all medical and dental bills and also your costs for transport to and from the clinic or hospital. Then keep up the pressure.
Also, be very careful what you sign. The victim who damaged his teeth was paid only for his dental bills and he was forced to sign a document agreeing he would never claim anything else from them, despite a statement from his dentist saying that he will never be able to eat properly again. He deserved a lot more but it's too late now.
Scam warning (Yes, again)
That scheme you've been invited to join. Is it legit or not?
Here's a simple guide to help you decide. Firstly, ask the person who invited you to join, why they did so? Did they do it because they're just a kind and charitable person? If they say Yes, then you know it's a scam.
Next, ask them if the scheme is a registered company. Hopefully they'll tell you that it's registered somewhere but if so, ask for proof. Then check if it's true. If you don't know how to check, ask us.
Ask them how money is generated by the scheme. People marketing a legitimate investment scheme will talk about share or commodity prices, dividends or the income a company can expect from selling products and services. People marketing a scam will be less specific. They'll talk about cryptocurrency or forex trading, Bitcoin mining or they'll say it's a motshelo or 'gifting' scheme. If you ask them how profits are generated they'll do their best not to answer. Because they have no answers.
Those promoting a genuine investment will welcome questions. They'll want you to get complete answers to every question you have. However, scammers will very quickly become defensive and ask you why you're asking so many questions. "Just trust me", they'll say. Anyone who says this is trying to scam you.
Above all, scammers will make incredible claims about how much money you can make from their scheme. They'll tell you that small 'investments' you can earn a great deal of money. Anyone who says this is a scammer. They'll also often ask you to invest more and more money, encouraging you to 'upgrade' to a higher level with promises of even greater profits. That's a sure sign of a scam.
A common trick they'll try is to show you bank payment messages. These are almost always faked but a few will be genuine because they do sometimes pay the victims a little money to make the scam seem legit. It's not, it's a criminal enterprise and the law makes it just as illegal to join a scam as it does to promote one.
Finally, remember this simple truth. Anyone who invites you to join their money-making scheme wants to make money from you, not with you.
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