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Categories:Advisers

The angry view from a closed-life call centre

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Matt Worthington, a former call centre worker for a closed-life company, has a few things to get off his chest.

The CII has been throwing a lot of weight behind the concept of “professionalism” lately; both internally and externally. Last week’s Money Marketing article is just one example of their current lobbying for “a requirement for firms to demonstrate professionalism”.

I would like to add my own voice to the call for (delete as applicable) IFAs/financial planners/asset managers/wealth managers/money gurus/wealth creation consultants to demonstrate a greater degree of professionalism.

Now, I am not writing to you as a regulator, or a trade body, or a client, or even as a fellow IFA, but as a call centre operator for a large, closed-book life and pension provider. Every day I deal with an average of 70 calls; from clients, IFAs, solicitors, accountants, bank managers, tax inspectors, HR consultants, funeral directors, welfare benefits officers…the list goes on and on. And each caller will come on the line with a differing degree of financial awareness, and a differing degree of professionalism.

As you would imagine (and hope!) IFAs tend to score top in the financial awareness field. But consistently, and disappointingly, my colleagues and I find IFAs to be the least professional people we deal with.

Basic courtesy and politeness is a given from most callers, but all too often lacking from IFAs. And I’ve never been shouted at by a solicitor, but again, it is a common occurrence from IFAs. Same story for being sworn at or personally insulted. We would never expect an accountant or a bank manager to hurl abuse down the line like a drunk at a football match, but sadly we tend to anticipate it from IFAs.

I understand your frustrations, definitely. You’re kept on hold for ages (with some pretty dire hold music, I admit). You have to go through the same repetitive data protection routine over and over again. Then sometimes we can’t give you the information you need. Or we give you the wrong information. Or we tell you it’ll have to be sent in writing, which takes a few weeks. Plus postage.

As a company we’re not perfect, but what company is? And as call centre operators we’re obviously not going to have the same breadth and depth of experience and knowledge as you are. Otherwise we wouldn’t be call centre operators; we’d be IFAs. I know we are “the face of the company”, but please, show some respect to people trying to do their job as best they can.

Contrary to popular belief, we call centre operators aren’t actually responsible for setting HMRC’s trivial commutation rules. Nor do we have much say in when Royal Mail decide to deliver the quotes we posted to you. And surprising as it may be, if you decide to transfer your clients substantial funds to the far reaches of the globe, we don’t have the authority to “bypass that ridiculous anti-money laundering malarkey and chuck the cash over sharpish”.

Shouting and swearing at a minimum wage call centre operator because you feel that the “f***ing company is stealing my clients money”  will never get you a result.  On the other hand, “I’d like to discuss my concerns over the charging structure of your product” sounds much better, doesn’t it? And far more likely to get a half-decent factual response.

I’m pleased to say that I’m putting this behind me now. I am leaving the call centre for a small asset management firm, having (like most of my colleagues) studied for my first qualifications (PFS Diploma in Regulated Financial Planning, PFS Certificate in Financial Planning, CII Award in Financial Administration, and IMA Certificate in Money Advice Practice).

Anyway, rant over. Sincere apologies to the polite and professional IFAs out there - I have enjoyed speaking with you and dealing with your queries. No doubts I’ll share your call centre frustrations in the near future, but whatever I encounter, I wholly intend to maintain a polite and professional manner in all of my communications; not just those with fee-paying or prospective clients.

Matt Worthington

 

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Readers' comments (64)

  • Well said Matt.....as a Customer Service Representative in a Commission department within a Life company I can wholeheartedly agree with your rant!

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  • Well said Matt. Eloquently and clearly put. You will always get a better response from call centres and in life generally if you treat people with respect and explain in simple terms what you are trying to find out regarding a client's policy. I can only hope that the proposed changes in ethical and professional behaviour that should come with RDR will remove the bad apples and the world becomes a more pleasant place in which to do business.

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  • Well said Matt, completely agree and sympathise

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  • Shouting abuse is inexcusable. It probably shows just how much pressure IFA's are currently under. Most of us don't know whether we have a business next year.

    I guess if you are a solicitor and charging £250 an hour you are happy to listen to 25 minutes of hold music at 7p a second.

    We all know that RDR will hopefully rid our industry of the knuckle dragging, mouth breathing, slow moving baboons that still operate. Hopefully post 2012 they will have gone and Matt and his colleagues will be left with polite professional IFA's to deal with.

    Sadly I suspect that a lot of the good IFA's will go too.

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  • I suspect the difference between IFAs and the rest are that advisers spend soooooo much time, on the phone to companies, that their nerves are in shreds. As a rule I do not shout at call centre workers but when I get frustrated with a the company I may well get forceful but always tell the person I am speaking to that I am not blaming them, personally, for the company's shortcomings.

    However...occasionally I have spoken to someone who will just refuse to give a direct answer (yes/no/don't know). I don't mind someone admitting they don't know and offering to find out for me (I don't know everything either). But I have had quite a few people who do this (they don't seem to realise how contadictory they are being) and that does make you go a bit mental, I can tell you. But it is no good going into any conversation with the intention of shouting and, quite understandably, that rarely gets the desired result.

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  • I've dealt with a huge number of FA's in over a decade in a call centre environment (much of this as a supervisor). To be fair, the majority are reasonable and professional. However, a small but significant number are rude, unreasonable and thoroughly unpleasant people who remind me of toddlers throwing a tantrum. I absolutely accept that we do get things wrong sometimes, but take it from an insider, you'll get vastly superior results complaining politely yet firmly. It's sad and embarrasing to hear a middle-aged FA doing a very good impression of one of those problem children from Supernanny!

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  • Poorly trained staff in mediocre firm uses the 'we're ask crap as everyone else so don't shout at us' routine.

    Pathetic

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  • The fault lies not with call centre staff but with the service levels decided on by their employers. The closed companies know perfectly well that the money is likely to be leaving them so slow down the process as much as possible. That said, there is never an excuse for rude or aggressive behaviour and I agree with Matt that it is counterproductive.

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  • Best article i have ever read, so accurate. if you went into public place and said some of the things these people say you would get done for breach of the peace. making someone feel crap to feed your ego is so wrong.

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  • I couldn't agree with you more Matt. I am an IFA in my own very small practice and it never ceases to amaze me how our industry seems to have grown so full of our own importance.

    Whenever I go to one of my networks forums, it seems to be full of advisers who "would get out of bed for less than £100k per year" and who look down their noses at anyone who drives a car worth less than £50k and so it’s of no surprise to hear how this attitude carries over when dealing with others.

    Unfortunately there seems to be a core of Advisers who seem to have lost touch with reality and seem to feel they are so hard done by because they may now have to actually work for a living.

    I have lived my life trying to the best of my ability to treat people how I would expect to be treated. I think my mother was the one who told me something like “good manners costs nothing”

    Yes occasionally I come across call centre staff who clearly don’t give two hoots about their roll in their company and provide a below par service but this is not an everyday occurrence, however I find meeting fire with fire with these select few still doesn’t get me what I need any quicker or easier.

    I am pleased to say the majority of call centre staff to be helpful and friendly to deal with and let us not forget without these minimum wage people our jobs as IFA would be considerable harder.

    Congratulations Matt on working hard and finding a position out of the call centre and I hope your experience there will hold you in good stead in your future career.

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  • Rude FA with no manners uses the 'I'm in a hurry so will abuse anyone who doesn't give me what I want now' routine.

    Pathetic

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  • So Anonymous 3:16pm, you're evidently one of the ones who shouts and throws his toys out the pram then... and you say others are pathetic.

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  • Manners cost nothing. A little more empathy for someone working for a company which doesn't provide much value for money for the person on either end of the line will always receive a better response. This could be anyone you know and abuse just doesn't work.

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  • Well said Matt - i was you many years ago - believe me there is light at the end of the tunnel, moving on from this environment is the best thing you can do.

    Polite but firm is the way to go - sadly these days common courtesy is far from common.

    And for the Anonymous poster, firstly have the courage of your convictions to put your name where your mouth is, and secondly - rudeness, shouting and abuse is unacceptable EVERYWHERE - call centre staff are people too, and deserve the right to do their jobs without such childish and ridiculous treatment
    Some of the things that i had said to me or the tirades i had shouted at me during my 18 months in a call centre at the beginning of my career would have you physically ejected from a retail store, or refused treatment at a doctors or hospital. Just because the person is at the end of a telephone and not physically in front of you does not change how it is acceptable to treat them.

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  • I do sympathise with Matt Worthington, especially if he was/is a competent person. I know I have raised my voice from time to time, but I always make sure that the person on the other end of the phone knows that I am not angry them, but with the company that too often ends up either having people on the phone who lack the necessary competence or has a system that is itself incompetent. For professionalism to work it should be matched by professionalism. It is often said that courtesy costs nothing, but with some companies it could cost a blood pressure table or two!
    But frankly I can't extend any level of professionalism to Keith Thomson. What element of RDR is geared to changing personal behaviour on the phone? What aspect of RDR is actually geared to behaving in a professional manner? What aspect of RDR will affect the behaviour of people so that the world will become a more pleasant place to do business? I know a few people who are unbelievably boorish on the phone, and RDR will not change them in the slightest.
    Living in fantasy land about what RDR is designed to achieve or even likely to achieve demonstrates a lack of professionalism in you, for you portray a message to others that RDR will change human behaviour. And pigs might fly. RDR will have a hard job doing what it is designed to do; do not add the impossible to that burden.

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  • After 50 minutes on the phone to Barclays Indian call centre operatives I gave up and called their Complaints department.

    If you want service don't go to customer service, go to Complaints!

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  • Politeness brings proactivity! The more pleasant an IFA, the harder I worked for them - keeping an eye on their clients and making sure they knew of any issues up front. I didn't have to, but I chose to because they were pleasant to deal with and said thanks. When they get angry, you are concerned and actually care.
    To those of your who swear, rant & rave and belittle us when things aren't to your liking - learn some manners pronto - they really go a long way. Otherwise, I will remember you for being atrocious and then make sure I steer clear of you & your clients....you get what you required initially and no more. Your rudeness feeds my utter contempt.
    I have heard IFA's lambast people to the point of tears, it doesn't make the receipient feel good, so why be so vicious? If it's your fault for not completing the forms correctly, accept it graciously - or ask us for advice up front on how to fill it in!
    Often a well worded e-mail or letter when you are fuming gets more response than an aggressive shouter. IFA's are so beautifully eloquent on paper.....
    Thank you Matt - it's hard to just have to take it. Until someone swears profusely & is warned, an operator on the end of the line cannot just end the call & just has to take it. Life & Pensions Companies - stand up & give your staff some more protection from verbally nasty customers who don't just swear, but clearly also bully and bully just for the sake it....we can all name a bullying IFA instantly..... (so can their own office support team, as we hear from them....).
    So all you aggressive shouters, think twice and then open your mouth before you tear a strip off someone and ruin their day!

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  • To those who demand very high service from providers, let's be pragmatic for a minute. I could create a provider where the staff were all highly trained and knowledgable, there were so many on the phone lines that there was never, ever a queue and every FA had his own personal contact. Sound good? That provider would probably be so expensive to run that its rates would be awful! At the other end of the scale, I could employ lowly trained people in minimal numbers and the running costs would be pretty low (allowing better value products). Realistically, most real providers are going to fall somewhere between these theoretical examples. Reasonable rates and reasonable standards can and should be expected by FA's. But stellar service and very competitive rates are probably a tad unrealistic (no matter what anyone's marketing blurb might say!).

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  • How many times have you been through the grind with a semi-literate, semi-interested, salaried call centre gimp? Slumped in their chairs, clock watching, idling the day away without a care in the world. These people make me sick.

    FA’s are hardworking people who need to protect their client’s money. We need high quality answers quickly not spending our days on the phone dealing with such gibbery.

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  • Patronising in the extreme. IFA's get more angry than the others because we know what shoody service is being served up and the others are merely ignorant of that fact. Clue comes in "closed" as rubbish service is endemic in many life companies and despite all the apologists here the fact is you reap what you sow.

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  • No argument with any of your points Matt - It's compulsory for our staff to be polite to all providers because we want results and we find that's the best way to get them. From the other side of the fence though, will the FSA please explain why it has not forced closed companies (and some that are not closed!) to abandon practices such as sending everything by second class mail and never ever making out going phone calls regardless of time criticality? Other favourite ploys beloved of the likes of Halifax Life are refusing to take heed of a clear letter of request to surrender and instead insisting on having a form filled in, which is only sent out at the second or third request. Absolutley the call centre workers don't deserve abuse, but a lot of their bosses certainly do. Ultimately it's all to the clients' detriment so why allow them to do it? Surely it's not TCF?

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  • Long live the professional, non-swearing, but constructively abusive IFA. Who says you cant be abusive, upleasant and also professional ....it's an art form. We have a god given right and mandate from the client to get things done. Why should we put up with slap dash administration and unhelpful call centres and daylight robbery of client funds. As IFAs we know how the system works and use our skill and knowledge to stand up for joe public to cut through life office corporate culture and the massaging of information. Unfortunately Matt you were on the front line and therefore as the fall guy had to take the initial flak. I've no desire to upset anybody persoanally...but I'm fed up of being polite and getting no results, when I say jump, the call centre operator should respond "Yes Sir, how high...I'll get those details immediately". Business isn't always a pleasant place to be when you're standing up for the little guy against the Big money. If you cant stand the heat...

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  • To Anonymous a 3.50pm

    Given that you didn't have the minerals to give your name, I think we can all safely ignore your rantings.

    You quite clearly receive the service you deserve. I would hate to be one of your clients.

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  • Now, anonymous, why doesn't it surprise me that you hide behind anonymity to make your point. Professionals know that Matt's article was spot on. If you haven't got the balls to publish over your name...... then shut up... Coward and bully are two labels that spring to mind. Matt, good luck in the future.

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  • Here is a shock to the system!!! this fantasy of IFA's being supreme is over, due to the fact that some were totally unqualified, most are ageing and are not willing to requalify (as it is hassle) and the rest are in a panic beause they want to churn as much business as they can in prior to the inception of RDR 31 DECEMBER 2012. Furthermore to remain trading as an IFA they have to be as the name suggest "Independent" as they can no longer survive on which provider or company gives them the fat commission. In essence it's game over for the COWBOY IFA's!!!

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  • There's never any excuse for rudeness when speaking to people at product providers. I agree with the author that this is an issue of professionalism (or lack of it).

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  • Matt - I admire your courage and your articulation. Its basic relationship/stakeholder management - we all invest in the client relationship - but often neglect those who can help us deliver for clients. And abusing/bullying is as naïve in a business sense as it is inexcuseable in a basic human sense.

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  • To Glen McKeown : You forget that RDR is both a conceptual and practical means to improve the professionalism of the industry to the level of, if not beyond, that attributed to solicitors and accountants. It is driven by a desire to improve the professional education and business behaviours of advisers in how they interact with their clients and providers alike. This combines with the TCF initiative to embed this culture into a firms culture and that of its staff. Part of the qualification process is to understand financial ethics ( RO1 in case you missed that exam) so perhaps you should consider the bigger picture in what the FSA is trying achieve. Granted there will always be individuals who will abuse call centre staff, and perhaps their own staff, but there are legal mechanisms to deal with that.

    What disappoints me is that you can launch a personal vicious tirade against someone, accusing them of being unprofessional, on a public forum, who was simply expressing an opinion on the subject. How professional is that ?

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  • Well, I'm suprised how many of you have taken the time to read and comment on this, and really pleased to see so many fellow professionals in agreement on the whole "polite and professional" issue.

    Just briefly I'd like to address a few of the negative points raised in the comments;

    - Anonymous @ 3:16pm, I think you've missed the whole point of the article. Not entirely sure what more I can add on this, other than to urge you to re-read it!

    - David @ 3:33pm, unfortunately you're correct there. Nothing cuts through corporate red tape, "average service levels" and bureacracy quite like a good complaint. If it's factual and objective then it will receive attention and "jump the queue". Sad really, because that's not TCF at all, but it's the way many large companies work.

    Anonymous @ 3:50pm, I think your stereotype is very inaccurate. If you think that call centre operators can be "Slumped in their chairs, clock watching, idling the day away without a care in the world" then that just shows you've never been to one or worked in one. Call centre operaters are overworked and there are never enough staff to meet demand (as you must surely know, from long waiting times, hold times, arranged call backs, etc). As soon as one call ends, you have seconds to take the next before a manager is chasing you up! If you don't think call centre operaters are hardworking, I hope you will at least agree they are very pressured, and whilst salaried, rest assured it's not a shade of what any FA would expect!

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  • I have dealt with financial salesmen who call themselves 'advisers' for a number of years. Rude, abusive, unprofessional. Just a bunch of jumped up second hand car salesmen. RDR will sort them out.

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  • No one likes delays or poor service. IFAs are often reliant on providers to give information to them in order to provide this to their clients.

    If there are delays or mistakes, the IFAs have to then deal with concerned or angry clients, who start to think something terrible may have happened to their money if they don't get an instant answer.

    On the other hand, it is perfectly okay for an IFA to be angry about poor service, but there is no excuse for being rude. I don't think any call centre operator would take issue with an IFA who makes it clear that he is not happy with the service, but does so in a professional manager. That operator is then, as is the way with human nature, going to be more inclined to assist to solve the problem.

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  • Funny IFA - if you honestly believe that abuse and unpleasantries are reasonable strategies to employ when you're not getting your way, then I pity your lack of social skills. I understand that poor service can be frustrating and I see the nobility of standing up for Joe Public (not platitudes, I do actually mean every word of that). But being rude and abusive is truly more reflective of the abuser than the recipient.

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  • Matt I do sympathise and it must be particularly galling as you are (or were) at least an ONSHORE call centre. Not that there is any excuse for bad manners, but perhaps you also need to see the other side of the coin.
    Unlike the other ‘professionals’ with whom you came into contact IFAs have to suffer most from hopeless offshore call centres and appalling life office service - the worst of which comes from closed life offices who really don’t give a toss as all they want are the assets and advisers and clients just get in the way of the profit and asset stripping.
    You need to work in an IFA office for a week or two to experience the frustration, annoyance and waste of time engendered. Admittedly it isn’t the fault of call centre staff, they do get the messy end of the stick and your employers know that only too well. They are cosseted and protected behind you and will rarely step up to the plate.
    Life offices might be bad, but those still offering a proposition do sometimes try. Closed offices are the bête noir of the industry and when it comes to being unprofessional they are the Gold Medal winners – not us.
    I hope that puts matters a little in perspective. And I do feel sympathy for the people on the front line. You are the ones to carry the can and are abused by both sides and undervalued and underpaid by your employer. No wonder really that firms go offshore – they probably can’t get people in the UK to be Aunt Sally’s

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  • excellent piece of factual advice on how to be nice to ordinary people.

    it's a pity the FSA were not more forth right in dealing with the clients that Matt describes (fred the shred)

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  • Some of the anonymous comments here are pretty preposterous and frankly I don't get why they are allowed - rant over!

    I think it is absolutely fair for any of us to expect to be dealt with, with respect and tolerance and in this respect I can endorse Matt's comments without hesitation.

    On the other hand providers who arm themselves with staff that are trained to only basic levels and support them with poor systems are kidding themselves if they think their clients are going to put up with shoddy service.

    I rarely bother phoning call centres any more because the responses are generally not worth the time and effort employed. I'm bored with listening to Vivaldi or Greensleeves, then going through the energy sapping i/d verification process only to be told that I can't be given the information I'm calling about.

    This failure to provide the required help is then usually compounded by the ever so cheerful call centre operative, repeatedly asking me if there's anything else they can 'help' me with today. Now given that they usually haven't actually helped me with anything in the first place tends to drive the frustration a bit further.

    So as mentioned I cannot in any way excuse bad manners, abusive or intolerant language and behaviour but do undertand how it happens. The answer is simple - don't bother with call centres!

    Whilst on the subject of such however, is it me or does anyone else become at least mildly irked when a call centre operative calls your firm and then attempts to go through the i/d verification process when they have called you.

    On one occasion going all ironic, I attempted to turn the tables and asked a charming Indian sounding lady for her date of birth, mother's maiden name, first school she attended, favourite holiday destination, name of current pet etc but unfortunately she just didn't get it.

    On a more serious note though, why do closed life offices realistically expect to retain client assets when they deliver such tosh?

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  • Many years ago I worked for insurers. During that time I was amazed at the number of so-called professionals (Insurance Brokers and IFAs) who would resort to bullying instead of negotiation to get what they thought they wanted. I was also amazed at the number of times it worked, except at one company. The branch manager would cancel the agency of anyone who abused his staff and he ran one of the most successful branches in that company.

    I am sorry (but not entirely surprised) to read that times haven't changed the deplorable practice of abuse. Those guilty of it would do well to remember that you catch more flies with honey than with vinegar.

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  • Throughout the comments, I can see that a majority of IFA's and employees of providers agree on 2 things. Firstly, that providers do sometimes give less than stellar service. Secondly, that the most professional and productive thing for an IFA to do when experiencing this type of service is to be polite yet firm in expressing their displeasure.

    Then, in the minority, we have the IFA's who believe that perceived poor service is an absolute justification for abuse, anger and unpleasantries.

    To the first group, my apologies that we haven't lived up to your expectations and I will try my best to resolve things as quickly as possible when our paths cross.

    To the second group, I still apologise and will still try to resolve your issues as professionally as I can, but please be aware that you actually make it more difficult and protracted for me to do so. Finally, for the second group, please read the following quote from John Lennon...

    “When I was 5 years old, my mother always told me that happiness was the key to life. When I went to school, they asked me what I wanted to be when I grew up. I wrote down ‘happy’. They told me I didn’t understand the assignment, and I told them they didn’t understand life.”

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  • Duncan Carter, the 'energy sapping id verification process' is called Data Protection and is what stands in the way of YOUR CLIENTS becoming a victim of Fraud.

    If a company has to call you back to discuss something about YOUR CLIENTS, then of course the same protection is offered; I for one am glad that my data isn't given out without verification to anyone pushy enough.

    Presumably the 'Indian sounding lady' didn't get your attempt at irony because the information that you asked her for isn't information that you would hold, so could not be used to verify the company. Hopefully you felt adequately amused and superior though.

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  • @anonymous 3.34pm. To provide classified information to anyone who calls you purporting to be acting on behalf of a company with whom you do business is rather naive to say the least.

    Fine if you call them, but not if they call you!

    Data protection is an important process and on this I am sure that we all agree, but sometimes the provision of such information needs to be viewed from both sides of the street. How do I know that the person who calls me is actually who they say they are?

    The problem with some call-centres is that many of their processes are ill thought out and not user-friendly and it is this aspect which adds fuel to any fire.

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  • I’ve been on the receiving end of a 35 minute, highly unpleasant rant from an IFA who regularly posts in here. He was seeking £5,000 damages from the insurance company I worked for, to recompense him for his time. What time did he waste? He chose to refuse to complete a form confirm that he had verified the identity of his customer. It was a simple form, with four clear instructions on the front.

    I’m not a call centre worker (though like many, it’s where I started my career,). I am a highly skilled compliance professional with a deep understanding of UK and European anti money laundering legislation. I offered to speak to him when a query was escalated from the sales team, to explain, in laymans terms, why an insurance company would require someone submitting a large single premium for an insurance to confirm that had checked the customers identity.

    His response was that not only did he have no idea what his legal requirements were in terms of money launder, he had no intention to find out, because as an IFA, why should he. He also maintained that no IFA knew, but I think that says more about the company he keeps.

    Whilst the above speaks volumes, what really got me is he didn’t show any interest in whether the delay in transferring fund had either a beneficial or detrimental impact on the number of units purchased in the investment bond he was transferring over to. Even when I offered to find out, so he could explain this to his customer given it seemed likely the delay had been to the customers benefit, he told me not to bother, he just wanted £5,000.

    Most IFAs provide a really valuable service to their client and to the financial services industry as a whole. There is a small minority that give the rest a bad name. If the IFA sector gets its act together and can unite behind a single industry body, one of the first tasks of that body must be root out the rotten wood.

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  • Bemused - you've made me think of a few of the 'characters' I've dealt with over the years. In no particular order, I present to you...

    The Adviser who would hang up if his call was answered by a female member of staff and would keep calling back until a male member of staff answered. He would then complain about the amount of time it had taken him to 'get through'.

    The Adviser who, upon his call being answered, would bark, "John Smith from Smith FS, Bond Quote, 100k, Mr. A. Smith, 01/01/1945, usual terms." and then hang up before the call handler had even had a chance to respond.

    The Adviser whose wife was his PA. She would phone up for a quote and we would prepare it exactly as per her instructions. The FA would phone a few days later apoplectic, swearing and screaming at our rank stupidity and incompetence when it came to quote production.He would demand to speak to a senior manager and lambast our failure to get a simple quote right. Investigation would always show that we had provided exactly what his wife had asked for. When this was pointed out to him and he was invited to listen to the call recording, he would simply hang up.

    I could tell you dozens more like this, but in the interests of fairness, I should point out that this still represents a minority of Advisers.

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  • What is required for less abuse is the ability to hang up the phone. I used to work for an entrepreneurial compliance company and if anyone tried to give you any s***t then the corporate view was to hang the phone up without warning. If the idiot then rang back generally he would get a business owner on the phone telling him not to abuse the staff he employed. Guess what, hardly any idiots, as they knew exactly what the deal was and that they could not behave as if they were in the playground.

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  • Anonymous 3.34p.m.

    1. QED, why don't you front up and quote your name? Do you work in a call centre for a closed life office, maybe even designing processes and I've touched a nerve? There is however an immense irony in that you cite data protection whilst not quoting in your own name. Pah!

    2. The puerile questions asked are about as effective at protecting client data as a dead fish. Before you respond with another inane and anonymous diatribe, just think it through for a second.

    3. Of course the Indian lady couldn't pass our i/d checks because she was ringing us! How were we supposed to know who she was but she and her employers [a closed life company again somewhat ironically] chose to ignore this bit of DATA PROTECTION and just expect us to take them at their word. Doh!

    4. Amused and superior; no more like bemused and long suffering. Why do you think you can treat people this way?

    Please feel free to contact me directly to discuss at duncan.carter@clearwaterfp.co.uk. You will however at the very least need to state your name to pass the 'data protection' tests that we insist on to protect OUR CLIENTS!

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  • As somebody who works in the technical area of a life office, I deal every day with queries escalated from our call centre. I also review a number of calls dealt with solely by the callcentre.Yes, there are decent and polite IFAs who call, and those who are pleasant and understanding and grateful. And also those that are forceful but restrained when expressing their disappointment at our shortcomings. All of which is perfectly fine. But there are also rude and arrogant callers, and often they also have a woeful ignorance. Rarely a week goes by without me having to refer an IFA to something in RPSM, or to a piece of legislation, or maybe even to point out the fact that the information they are claiming that we have failed to send is in fact in the paperwork they have received - even occasionally printed prominently in large bold typeface in the documentation. Several times a year I will either review a call or take one myself from an IFA being so outrageously rude that were he to spout such abuse face to face to people, a significant number of the general public would probably slap him.

    Much as not all IFAs are the same, I would also say that not all closed-book offices are the same; I have various plans with both closed-book and open-book companies, and whilst I'll concede that some closed-book operations are challenging to deal with, some seem to have cottoned on to the fact the only income they have comes from their existing customers and they're not getting any more of them, so they had better provide them with some decent customer service to retain them. By contrast I have a policy with a major open-book provider, and every dealing with them is as pleasant as undergoing root canal dentistry.

    By and large callcentre work is not glmaourous, not fun, not well paid and not easy. Certainly sometimes systrems and training (or having to deal with such a wide portfolio of products) limits how much the callcentre staff can help. But another of the things that makes it unpleasant is the attitude of a significant minority of callers. I know a number of our more able and competent callcentre staff have moved on to other positions in the business, at least in part because of the endless cycle of giving people as good a service as you can, only to be met with sarcasm, snide remarks or just plain rudeness saps the morale after a while. Of course, the less able staff are less able to move out, so when callers are rude to call centre staff, they're just encouraging the good ones to leave and decrease the average competence of that callcentre next time they deal with them. Yes, I know we're far from perfect, but we do monitor calls and pull up staff when they don't meet our standards. Alas we can't do the same with callers...

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  • Its disappointing to note that there is so much arguement and debate about a story which is basically a request to show each other a bit of respect and show professionalism.

    Its not much to ask!!

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  • Pensions man has it pretty accurately.

    This article was about treating people with respect, whether you do actually respect them, yet in places it has descended into the exact behaviour being criticised.

    It's also a slight surprise to see so many "stupidly busy" people responding during the working day?Unless, of course, they are responding whilst on leave (as per Matt) or from their hospital beds (as per this respondent) in which case perhaps staying away from work may help you calm your nerves.

    Oh well, back to my day time TV and codeine...

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  • I'm quite liking the irony that this young educated self-motivated articulate and professional young man who is clearly on a career path could be a client of one of you advisers one day, perhaps even tomorrow when he wants some advice about what to do about the company pension and how to invest his surplus income??
    So could any of the people reading this stream.
    It is wrong to assume that some of the less articulate commentators in this stream don't talk to their clients in the same way - it might just be normal for them. However I'm thinking that it was wise for the less respectful views to be anonymous - if we knew who you were, us mere clients might be wondering if that's how you talk about us behind our backs too ...

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  • @Anonymous | 15 Feb 2012 3:50 pm

    You are a horrible person! how dare you slate people just because they may not have had the same start in life as you, or chances.
    How dare you judge people just because you think you are all high and mighty.
    I have worked for 2 pension companies and I have taken abuse from people - becasue they dont think I know what i am talking about, however most 'call staff' know more that you do.
    I think you need to take a step back and have a look in the mirror,
    I challenge you to spend on day in a call centre and see how much work actually goes on, and you will then see that people like you do not get the 'service' you wish because people like you do not get anywhere in life! you make a few quid more than the rest but it does NOT give you the right to act the way you do!

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  • Being rude to people generally does not achieve anything for either party. We make a point of being polite to everybody we have to deal with as a firm, but moving to an hourly based fee charging proposition has helped greatly. It is difficult to become stressed listening to Vivaldi on a loop when the clock is ticking and I can catch up on the news at the same time. Good old RDR.

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  • Has anyone ever managed to get through by telephone to Bright Grey's call centre , I would be suprised to know if anyone has !

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