Episode 13 Rip Off Britain


Episode 13

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We asked you to tell us what's left you feeling ripped off and you

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contacted us in your thousands.

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You've told us about the companies you think get it wrong and the

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customer service that's simply not up to scratch.

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When you have to call them,

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it takes ages and somebody else answers the phone,

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who pretty much doesn't know what you're saying.

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The customer is not benefiting and, no, I'm not getting value for money.

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You've asked us to track down the scammers who stole your money and

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investigate the extra charges you say are unfair.

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They don't deserve to be in any form of business whatsoever and they just

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want shutting down.

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And when you've lost out, but no-one else is to blame,

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you've come to us to stop others falling into the same trap.

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They took the money out of my account and I don't even know who it

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was that was scamming me.

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So whether it's a blatant rip-off or a genuine mistake...

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..we're here to find out why you're out of pocket and what you can do about it.

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Your stories, your money.

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This is Rip-Off Britain.

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Hello and welcome once again to Rip-Off Britain where today

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we're going to be shining a light on some of the tactics

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that companies use to convince us that we simply

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cannot do without whatever it is they're trying to sell us.

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The best sales techniques, of course,

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can work magic for the businesses that are involved,

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but not always for us.

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So how do you tell a good sales pitch from a dodgy one?

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We're going to be highlighting the difference between perfectly

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legitimate ways to make a product stand out from the rest and some of

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the rather vague or even downright suspect claims that encourage us

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to part with our money.

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As we'll see, some of those can be horribly effective,

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leading to the loss of thousands of pounds.

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Not good, and I'm sure we've all been on the receiving end

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of particularly effective sales patter and, perhaps, as a result,

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come away wondering and, indeed, really questioning if we spent more than we should.

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So to stop you getting into situations like that,

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we'll expose some of the hard sells to be wise to and, indeed, some of

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the softer methods of persuasion - there's that good word again -

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that may not be everything that you think.

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Coming up, revealed at last,

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the secret sales techniques used to pressure older customers into buying

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products they simply can't afford.

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It's just a month of my pension gone.

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Can't just give it away.

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And behind the scenes at the testing centre deciding what should win its

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highly-prized endorsement,

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but is it being exploited by products that don't deserve it?

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I absolutely took comfort in the fact that it was a really good brand

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that was promoting this product,

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so I didn't have to think too much about whether I did it or not.

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Now, I don't know about you,

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but cold callers and companies delivering a hard sell

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get such a short shrift from me

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and I'm often amazed that they ever make any money at all.

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But, of course, the way that some of them do it

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is by targeting people who,

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for whatever reason, can find it difficult to say no.

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Those, in other words, who are more vulnerable,

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or even, as I'm afraid we're about to hear, who might developing dementia.

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And it seems that is definitely the case with one of the companies in

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our next story, which used an elaborate pantomime of a sales pitch

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to convince people to part with thousands of pounds of their money

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that they really didn't need to spend.

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PHONE RINGS

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Often when the cold callers strike,

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Ron Jarman likes to have a bit of fun with them.

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Hello?

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We do get a few cold calls.

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About, perhaps, one a day or something like that.

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I have a little joke with them sometimes

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and they put the phone down.

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But in February 2015,

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one particular call managed to engage Ron in more than just banter

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because, for once, they appeared to be selling something that he and his

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wife Valerie actually needed.

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They phoned up and said they were in the area,

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so could they come and demonstrate this bed?

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Well, we were thinking of getting another bed anyway.

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Valerie can't walk unaided,

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so she relies on Ron to help her get around.

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She can't stand up on her own, so I have to lift her into the wheelchair.

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I lift her in and out of bed and practically lift her into the car.

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So it's not as easy as it seems.

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I need more support, don't I?

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Yeah.

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You couldn't do it on your own, anyway.

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The cold caller was keen for his company to show the couple an

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adjustable bed, something that really appealed,

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given Valerie's mobility issues.

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She really needed another bed

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because she kept falling out of her bed.

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Well, one or two times, didn't you?

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Yes.

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It wasn't long before a salesman arrived with a demonstration bed

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to show the couple and so impressed were Ron and Valerie

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that they signed up for one on the spot.

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At ?2,000 it's naturally not cheap,

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but it would be specially measured and built just for Valerie.

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So the couple put down a deposit.

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We gave him a cheque for ?500

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and he said somebody would come and measure the old bed and

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we left it at that.

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They were told to expect a call within the week to arrange the measurement visit.

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But after almost three weeks, that call still hadn't come.

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So in the end, I said to Val,

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"I think we'll cancel this bed," and I phoned them up and said,

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"We want to cancel this order," and they said, "Oh, you're too late."

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The company told Ron that he couldn't cancel the order

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because the 14-day cooling off period had passed.

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But the couple say they had never been told about any cooling off

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period and even so, they'd been waiting for the company to call them

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to arrange to take the measurements.

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I mean, if you're going to buy something,

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they should deliver it and that's it, you know?

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But they just didn't do anything about it.

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Didn't carry out their promises. No.

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Ron says, although he was told there'd be no refund,

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he was so unhappy with the company's actions up until now that he

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cancelled the order anyway and the couple wrote off the ?500 they'd paid.

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Just a month of my pension gone.

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Just can't give it away.

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I'd rather spend it on Val.

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Chalking it down to experience,

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Ron and Valerie didn't tell anybody about the incident and almost a year

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passed before Valerie's son Peter found out,

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after finding a torn up sales agreement at the house.

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I think they was so embarrassed about the whole episode that they

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hadn't told me anything about it,

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but it wasn't until I extracted the information as to what it was that I

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found out this complete saga.

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And searching the name of the company on the internet soon turned

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up plenty of similar stories.

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I found out that I wasn't alone in as much that there were an awful lot

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of uncomplimentary statements being made about this company.

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So Peter picked up the phone and asked the company for his mum and

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stepdad's money back.

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I was told the matter was closed as far as they were concerned.

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There was no way they were going to refund the money.

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It was almost as if, "We've got your money, now go run."

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Peter's next call was to Trading Standards,

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who made it clear that it was a company already very firmly on its

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radar after hearing dozens of similar stories from other elderly

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customers of the same company.

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And a subsequent investigation suggested that the company's sales

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staff had no qualms about trying to sell to people with dementia

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or Alzheimer's,

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who find it hard to say no to the sales staff in their own homes.

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Of course, this sort of targeting of older or more vulnerable people is

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something we hear about an awful lot,

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but now, at last, the secrets of exactly how they do it

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are being exposed and I've come to see a familiar face,

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the Trading Standards Institute's Sylvia Rook to find out more.

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Do you find that this kind of high-pressure stuff

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is really prevalent everywhere?

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It is, but it's quite hard to prove,

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particularly, if anybody is elderly and they have dementia, Alzheimer's,

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anything like that, they don't know they're being conned.

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Now, usually, that makes prosecuting and investigating cases like this

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very hard, but at the start of 2016,

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one company made headlines after a four-year Trading Standards

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investigation into aggressive targeting and mis-selling

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to customers, many of whom were elderly and vulnerable.

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Both directors of the window and roofing company Summit Roofguard

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were imprisoned and three sales staff were given suspended sentences

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after overcharging and mis-selling products to customers

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who found it very hard to say no.

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And exactly how they did it was laid bare in a 21-page training manual

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that investigators had been able to get their hands on,

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setting out in black and white a 14-step guide to all the tricks and

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techniques the team used to make

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what it would call "a successful sale".

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What exactly happened and what led to this case going to court?

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There's one lady here who was 86. She had dementia.

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She was sold windows and guttering to replace products

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she'd only had four years earlier.

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There was one elderly lady who'd entered into a contract

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and her sister then cancelled it because she had dementia,

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she didn't need the product and a salesperson immediately

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went back and re-sold it and they had to cancel again.

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This pattern of mis-selling was all coordinated by the detailed guide

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the company's employees were given, outlining how to win a sale.

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This was like, what, their sales Bible? Yes, it was the sales Bible.

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The whole ethos of this 14 Steps To A Sale guide was to ensure that

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consumers thought they were getting a really good deal and to try and

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get the sales any way they could -

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misleading people, acting aggressively.

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Reading through the script,

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you can see each sales meeting would be a mammoth session,

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sometimes lasting up to six hours,

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in which staff were told to start with excessively high quotes.

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Then they'd reduce slowly the price with deals and offers they said were

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unique to that sale, but, of course, turned out to be the same every time.

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One of the things that the company did was they would offer you the

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opportunity to have your house as "a show home", in inverted commas,

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and if your house qualified,

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and they'd have to check that it would qualify,

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there were different grades and you'd get a different discount

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depending on what the grade was.

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The manual instructed, "Call your manager,

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"push for the best grading possible."

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Everybody got the highest grade, everybody got the discount.

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With that apparently Grade-A discount secured

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and customers encouraged to believe that they were bagging a bargain,

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the next step for the sales team was to swear them to secrecy as the

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guide says, the price they've paid must remain confidential.

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One of the shocking things about this particular case

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is they actually got consumers to sign a confidentiality clause,

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that you weren't allowed to tell people how much the cost was.

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Really?! Yes. Many of the complainants were elderly.

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If they told family, family would say, that's ridiculous,

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don't spend the money.

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And there is this thing that somebody tells you,

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"It's a really good deal, but it's our secret," people do.

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After reducing the cost of the work by thousands,

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the sales staff were then given a script for how to win over someone

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who still thinks it's more than they wanted to spend,

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offering special finance packages,

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or breaking payments down into manageable chunks.

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And finally, once the customer was reeled in,

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the guide had one more critical instruction -

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telling the sales person to stop talking.

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Now, shut up and wait for a response.

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He who speaks first buys the product.

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And remember, in many cases,

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that came at the end of a five- or six-hour sales pitch.

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The regulations that these charges were taken under say

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it's an aggressive practice if you carry on a sale for too long.

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You should be able to give people time to think and to go away and,

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certainly, five hours is far too long for any sales pitch.

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Now, there are other companies that may well use similar sales

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techniques, but in the case of Summit Roofguard,

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all of those instructions in the training guide

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were combined to create a deliberately misleading,

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confusing and lengthy session,

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especially likely to wear down someone who might be vulnerable.

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Do you think that this is going to be a warning to other companies?

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It's not a problem to give guidance to your sales staff on what to say

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and what they can't say, but if you're encouraging your staff

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to mislead consumers, then they need to know it wasn't just the directors

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of the company that were prosecuted in this case,

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it was the sales people, as well.

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So it's important that all parties know that they have a responsibility

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to ensure that consumers are treated fairly.

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And to avoid being taken in, Sylvia has some no-nonsense advice.

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If you ever get somebody knocking on the door and trying to sell

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something, always say, "Thanks. But, no, thanks."

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If people are selling and they make a cold call,

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actually, I would usually say just hang up.

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Be aware that, when that friendly salesperson is saying

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something to you, he could be following a script

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and his objective is to get a bonus.

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And what about being railroaded into signing something on the day?

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Never. Never sign anything on the day.

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Say you want to think about it.

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Well, if you're worried about a friend,

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relative or neighbour who you feel might be targeted by this kind of

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company and may find it hard to say no,

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there is a new scheme that could help.

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It's called Friends Against Scams and it's all about getting people to

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work together to keep an eye out for elderly and vulnerable people

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in their area and make sure that they're not caught out.

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You can find more details about it on our website...

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And it's ideas like this that Peter hopes will stop others losing out in

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the way his mum and stepdad did.

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I think people have to be very, very wary of door-to-door salesmen

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promising anything, basically.

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Elderly people are vulnerable and I think a lot of companies do prey on

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that aspect, their vulnerability.

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And I think it's very, very sad.

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Now, when you're buying something new,

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it isn't always easy to choose

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between two products that cost about the same, look pretty much the same

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and do essentially the same thing.

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So often, for me, what turns out to be the clincher

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is if I see that one of them has won an award or if it's been tested

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and endorsed by a name that I trust. But I never really stopped

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to wonder exactly what does go on behind the scenes to make sure that

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each product really does deserve that coveted endorsement,

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so I did go behind the scenes at one of the most recognised names around

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to see just what it takes to get their stamp of approval.

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Whether it's jeans or jam, tomatoes or tumble dryers,

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wellies or washing powder,

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how do you decide between two seemingly identical products?

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Well, for many of us, what might swing it is that one of them

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carries a sticker suggesting it's been through a battery of rigorous

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tests or, indeed, won a seal of approval from an organisation

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that knows its stuff.

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And for manufacturers,

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having that sort of recognition from a respected organisation can really

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give you the edge,

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as we heard last year, when I went behind the scenes at the consumer

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organisation Which?

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to see how they decide which products deserve to be

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one of its coveted Best Buys.

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We have over 8,000 reviews of products,

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telling you which are the best,

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which are the worst, and we decide what we want to test simply

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by talking to consumers, finding out what they want advice about.

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But Which? isn't the only consumer group that puts products through

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their paces to help shoppers make informed decisions.

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The Good Housekeeping Institute has been doing it for over 90 years,

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assessing a huge range of everyday products and essentials

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that we all use around the home.

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So today, I've come along to the Institute to find out how they go

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about testing all those thousands of products every single year.

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I'm hoping to learn some of the secrets

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of the Institute's famous seal of approval,

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with the help of Good Housekeeping's publishing director,

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Judith Secombe.

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We have about 165 product categories that we test across,

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so all the white goods - tumble dryers, washing machines,

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dishwashers, etc,

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through the small appliances, kettles, toasters,

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things like hair products, hair dryers, hair straighteners,

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that sort of thing.

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The most highly-prized endorsement from here is the seal that says

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Good Housekeeping Institute Approved

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and last year, more than 2,500 products got it,

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helping some of them become bestsellers.

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What is the value of getting one of your seals of approval?

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We do know that sales of a product tend to increase

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once it's known that Good Housekeeping have tested it.

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If we put our endorsement on a particular washing machine

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or a tumble dryer, then nine times out of ten, it ends up selling more.

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But those endorsements are hard-won,

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food can be rated by dozens of testers and appliances

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and electronics like these vacuum cleaners have to pass

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tests in four categories -

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design, ease of use, performance and clarity of instructions.

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We've clearly come to the vacuum cleaner room,

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where you're going to do a bit of testing. What's the criteria here?

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Well, we look at a variety of things,

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but predominately, dust pick-up.

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So we try and mimic it as closely as it would be in a domestic

0:17:250:17:28

environment, so we use a mixture of sand and flour,

0:17:280:17:31

we use digestive biscuits, real pet hair,

0:17:310:17:34

which we actually get from Battersea Dogs Home.

0:17:340:17:36

So you're looking for the suction value in this case.

0:17:360:17:38

Yes, and we test it across a variety of different flooring types.

0:17:380:17:41

We've got laminate, we've got floorboards and carpet.

0:17:410:17:44

OK, I think we'll go on the carpet, actually.

0:17:440:17:46

Yeah, why not? So you're going to put some of your stuff on it.

0:17:460:17:49

Yes. Let's get some. Because this carpet looks altogether too clean.

0:17:490:17:51

It does.

0:17:510:17:52

Now, it may look simple, sprinkling down some dirt,

0:17:520:17:55

but there is a meticulous method to all of this.

0:17:550:17:58

Once the dust mix or dog hairs are sprinkled on the floor,

0:17:580:18:01

they are trodden in with the roller 30 times to simulate

0:18:010:18:05

a day's worth of footfall.

0:18:050:18:07

A series of five individual sweeps is then done and in between

0:18:070:18:11

each one, the bag is weighed,

0:18:110:18:13

to see exactly how much dust has been picked up.

0:18:130:18:16

Once the testing is complete,

0:18:160:18:18

the results will be posted on the Institute's website or put in the

0:18:180:18:21

magazine as part of a feature.

0:18:210:18:23

And if the cleaners score highly in all four key categories,

0:18:230:18:27

they'll be able to carry the Institute's approved logo

0:18:270:18:30

on their packaging and advertising,

0:18:300:18:32

provided, that is, that the manufacturer

0:18:320:18:35

is willing to pay for it.

0:18:350:18:36

If you're independent, and some manufacturers pay

0:18:360:18:39

to have their product assessed,

0:18:390:18:41

where does the integrity and the independence come in,

0:18:410:18:45

if they're paying for it?

0:18:450:18:46

We have very strict testing protocols

0:18:460:18:48

and our standards are very high.

0:18:480:18:50

And it's very common for us to fail a product.

0:18:500:18:53

So they may have come to us, paid for us to test it.

0:18:530:18:56

If it's not good enough, I'm afraid it doesn't pass.

0:18:560:18:58

Three-quarters of the products tested do make the grade and the

0:18:590:19:03

manufacturers can pay an annual fee to use the Institute's endorsement.

0:19:030:19:07

And while some products are chosen to be part of the regular testing

0:19:070:19:10

programme, manufacturers can apply for a more bespoke going-over,

0:19:100:19:14

again, at a cost.

0:19:140:19:16

Manufacturers will contact us if they have a new product

0:19:160:19:19

or a product they are particularly proud of

0:19:190:19:21

that they think is possibly the best in market.

0:19:210:19:24

And they come to us and they will

0:19:240:19:26

ask us to test that product for them.

0:19:260:19:28

And do they pay for the privilege?

0:19:280:19:30

They do, if they approach us. And we publish a scale of charges,

0:19:300:19:34

depending how complicated the testing is, how long it takes,

0:19:340:19:38

and how detailed the results need to be.

0:19:380:19:41

If that testing is successful,

0:19:430:19:45

companies then pay again for the right

0:19:450:19:47

to use the Good Housekeeping Institute logo

0:19:470:19:49

on their packaging, as well as online and in any TV ads.

0:19:490:19:53

Or at least, that's what should happen.

0:19:540:19:56

But perhaps inevitably,

0:19:580:19:59

the value and trust that the Institute's endorsement

0:19:590:20:01

has built up over the decades is now being exploited,

0:20:010:20:05

because some less-scrupulous businesses have falsely used the

0:20:050:20:08

approved logo to trick new customers into buying their product.

0:20:080:20:13

Sue Bay from Kent is an avid online shopper.

0:20:130:20:16

When she saw an advert on her Facebook page for diet pills

0:20:160:20:19

that seemed to carry the Good Housekeeping endorsement,

0:20:190:20:22

it gave her the confidence to place an order.

0:20:220:20:25

Seeing the Good Housekeeping brand there did, you know,

0:20:250:20:29

give me a bit of comfort, thinking,

0:20:290:20:30

"Oh, yes. This might even work, this one."

0:20:300:20:32

"It might not just be a scam."

0:20:320:20:35

So that's why I went for it.

0:20:350:20:37

The pills had a free trial and all Sue had to do

0:20:390:20:41

was pay something like ?2.69.

0:20:410:20:44

But two months later, she discovered she'd fallen into a trap

0:20:440:20:48

that we hear about a lot, when she noticed ?160

0:20:480:20:51

had been paid out of her bank account.

0:20:510:20:54

The terms and conditions, that I didn't read,

0:20:540:20:57

that I should have gone and looked at,

0:20:570:20:59

say that you get your free 30-day trial of these tablets, but...

0:20:590:21:05

if you're not going to carry on,

0:21:050:21:08

you have to return them within 14 days,

0:21:080:21:11

otherwise you get billed ?79.99 per pot of these tablets.

0:21:110:21:18

Of course, the endorsement that had convinced Sue to give the pills a go

0:21:190:21:23

was fake as, in fact,

0:21:230:21:24

the Good Housekeeping Institute has never endorsed

0:21:240:21:27

any type of diet pill.

0:21:270:21:30

Now, I'm going to be much more careful now.

0:21:300:21:32

If I hadn't seen that name come up, I doubt I would have bought them.

0:21:320:21:35

I absolutely took comfort in the fact that it was a

0:21:350:21:38

really good brand that was promoting this product,

0:21:380:21:43

so I didn't have to think too much about whether I did it or not.

0:21:430:21:47

But this is just one of a number of bogus claims

0:21:470:21:50

the Institute is aware of.

0:21:500:21:52

We've had quite a lot of our readers in touch over the last 18-24 months,

0:21:520:21:58

where they have bought a product or a service

0:21:580:22:02

believing that it's been endorsed by Good Housekeeping

0:22:020:22:05

and it turns out not to be the case.

0:22:050:22:07

What are you doing about all this scamming?

0:22:070:22:09

How are you attacking that?

0:22:090:22:11

We try and have them shut down, we try and have the sites closed,

0:22:110:22:15

and we enforce the removal of our trademark.

0:22:150:22:18

How would the consumer know?

0:22:180:22:20

They need to check on our website.

0:22:210:22:23

If it's been tested by us, the results are available free,

0:22:230:22:27

so if anyone's concerned about our product and it's making claims that

0:22:270:22:31

they're not quite sure about or our involvement with it,

0:22:310:22:34

then they need to check online or contact us.

0:22:340:22:38

Products that genuinely earn the Institute's logo are put

0:22:380:22:41

through tests designed to replicate what you would do with them at home.

0:22:410:22:45

So that means, for example, washing machines have to prove that they can

0:22:480:22:52

shift 13 typical stains including red wine, foundation and mud.

0:22:520:22:58

Kettles need to boil within a certain time

0:22:580:23:00

and keep the noise to a minimum of decibels while doing it.

0:23:000:23:03

Waterproof clothing goes through a rigorous shower spraying and is then

0:23:030:23:08

checked to see if there are any leaks within the fabric.

0:23:080:23:10

But to be quite honest, what I was most interested in was seeing the

0:23:100:23:13

Institute's food and drink tests,

0:23:130:23:16

in which a panel of up to ten trained experts

0:23:160:23:18

and 50 consumers go through blind tasting to grade every product

0:23:180:23:23

on a set of four different criteria.

0:23:230:23:25

So, it's jam today that we're doing?

0:23:250:23:27

Yes, strawberry jam we're doing today.

0:23:270:23:29

So when you're actually testing, what are you looking for,

0:23:290:23:31

what are the factors?

0:23:310:23:33

So, we look at taste, texture, appearance,

0:23:330:23:35

aroma and the overall eating quality of the food.

0:23:350:23:37

And is this...?

0:23:370:23:39

It's a blind testing, in that they don't know which jam is in what container?

0:23:390:23:42

Yes, everything is blind and coded with numbers, so it's labelled up.

0:23:420:23:46

They have no idea what anything is.

0:23:460:23:48

I bet you've no difficulty getting volunteers.

0:23:480:23:50

No, we don't struggle at all!

0:23:500:23:51

The jams being tested are given a score out of 100 and I can't resist

0:23:530:23:57

volunteering my own services, all in the name of research, of course.

0:23:570:24:01

I do love a bit of strawberry jam on a scone.

0:24:010:24:03

Today's lowest scorer with 64 out of 100 points won't be able to claim

0:24:050:24:09

it's Good Housekeeping Institute approved.

0:24:090:24:12

But the highest rated, with 84 points, certainly will,

0:24:120:24:15

provided the company behind it is happy to pay for the privilege.

0:24:150:24:19

And while I can't claim to have been in any way properly trained,

0:24:190:24:23

certainly, some of the jams I tasted

0:24:230:24:24

would get the Hunniford Seal Of Approval.

0:24:240:24:27

I like the first one the best, you know?

0:24:280:24:30

Still to come on Rip-Off Britain,

0:24:360:24:39

if you buy a product that's won an impressive-sounding award,

0:24:390:24:42

was the competition quite as fierce as you might have assumed?

0:24:420:24:46

Consumers might realistically expect

0:24:460:24:48

that that was the best product in the world

0:24:480:24:51

and, therefore, we interpret it as being, "Wow!"

0:24:510:24:55

When, really, it's only a little, "Yay..."

0:24:550:24:59

Welcome to the Rip-Off Britain pop-up shop.

0:25:030:25:05

You know, we've brought together a fantastic team of top experts

0:25:050:25:08

and they are all ready and willing to try and solve

0:25:080:25:11

your consumer problems.

0:25:110:25:12

They certainly are and this year, we've come to Manchester,

0:25:120:25:15

to one of the biggest and busiest shopping centres in the whole of the country.

0:25:150:25:19

We want to see as many people as possible to try and get some of

0:25:190:25:22

those consumer problems sorted out.

0:25:220:25:24

So let's get this pop-up shop well and truly open.

0:25:240:25:28

And once we got down to business,

0:25:370:25:38

some of the people who called in found themselves with two experts

0:25:380:25:41

for the price of one.

0:25:410:25:43

Solicitor Gary Rycroft

0:25:430:25:44

and Trading Standards officer Sylvia Rook

0:25:440:25:46

teamed up to help and advise June Jones,

0:25:460:25:49

who's found herself out of pocket to the tune of thousands of pounds.

0:25:490:25:54

Can I introduce June,

0:25:540:25:55

who has come to us because she's had a huge

0:25:550:25:58

and horrible problem involving caravans?

0:25:580:26:01

June owns two caravans on a site in a seaside resort and rents

0:26:010:26:05

them out to generate some extra cash.

0:26:050:26:07

But as she isn't always around, she decided to enlist some help.

0:26:070:26:11

So as I could free up time, I had two gentlemen manage it for me,

0:26:110:26:16

rent it out, give people the keys, meet and greet,

0:26:160:26:20

do the cleaning and ready for the next guests.

0:26:200:26:23

The people June decided to use already performed a similar service

0:26:230:26:27

for other owners on the site.

0:26:270:26:28

So after meeting them, June went ahead,

0:26:280:26:31

but the rental money she'd expected them to pass on didn't arrive

0:26:310:26:34

when she thought it would.

0:26:340:26:36

One season went past and, towards the end,

0:26:360:26:38

I noticed that there no money had been going into the bank.

0:26:380:26:42

So when I approached them, they said, "We've all sorted it,

0:26:420:26:45

"we've put the cheques in today."

0:26:450:26:46

And cheques were then paid directly into June's account at the caravan site.

0:26:460:26:51

But the staff there soon got in touch with some bad news.

0:26:510:26:54

I got a phone call from the office about a fortnight later,

0:26:540:26:59

telling me all the cheques had bounced.

0:26:590:27:01

June, can I just ask you at this point, how much were the cheques?

0:27:010:27:05

Approximately ?7,500.

0:27:050:27:07

?7,500? Yes.

0:27:070:27:09

June immediately tried contacting the couple who'd been renting out

0:27:090:27:13

her caravans, but she says, despite numerous calls,

0:27:130:27:16

she couldn't get any straight answers, much less her money.

0:27:160:27:20

And as she investigated further,

0:27:200:27:22

she discovered there were other owners on the site in exactly

0:27:220:27:25

the same boat.

0:27:250:27:26

From what I heard,

0:27:260:27:28

there was ten or 11 of us altogether

0:27:280:27:30

and we were looking at approximately ?30,000.

0:27:300:27:35

June reported the matter to the local police,

0:27:350:27:37

but was surprised at their response.

0:27:370:27:40

They said, "There's nothing we can do."

0:27:400:27:43

So by this time,

0:27:430:27:44

I was pulling my hair out by this time

0:27:440:27:46

because I'd lost all this money.

0:27:460:27:48

June was stuck, as the agreement had been a business arrangement,

0:27:480:27:53

the police considered it a civil matter,

0:27:530:27:55

but she saw it very differently.

0:27:550:27:57

So I was quite shocked.

0:27:570:27:58

At the end of the day, it's theft.

0:27:580:28:01

You've stolen my money.

0:28:010:28:03

Yes, I was going to ask Gary,

0:28:030:28:05

is it normal for the police to treat a case

0:28:050:28:07

like this in the way they did?

0:28:070:28:10

Well, I'm afraid to say,

0:28:100:28:11

we often hear of the police saying it's a civil matter,

0:28:110:28:14

it's not a criminal matter.

0:28:140:28:15

In order to prove that what happened was criminal,

0:28:150:28:18

June would need to show that the men

0:28:180:28:20

intended to steal her money all along.

0:28:200:28:23

But Gary thinks, because there are others in the same position,

0:28:230:28:26

she shouldn't give up and could well have a case.

0:28:260:28:29

I think there is evidence here that you should take forward and

0:28:290:28:33

investigate further.

0:28:330:28:35

You need to turn into Miss Marple, please.

0:28:350:28:38

Right. And you need to do some of the groundwork.

0:28:380:28:42

So you need a case history for each person

0:28:420:28:45

and how much they are missing.

0:28:450:28:48

Then you need to send that to a senior police officer.

0:28:480:28:52

Gary also recommends that June tries contacting

0:28:520:28:54

her local Police and Crime Commissioner.

0:28:540:28:56

But if that proves fruitless,

0:28:560:28:58

Sylvia suggests changing tack and taking the couple

0:28:580:29:01

through the civil courts.

0:29:010:29:03

You entered into a contract,

0:29:030:29:04

they are in breach of that contract because they didn't provide the

0:29:040:29:07

service you agree to,

0:29:070:29:08

and, therefore, you can sue them for the money that they owe you.

0:29:080:29:11

Because they have to respond.

0:29:110:29:13

And if they ignore it, then you'll get judgment by default,

0:29:130:29:16

so there is still hope for you to get the money back.

0:29:160:29:19

So, quite a lot of stuff you've been asked to do.

0:29:190:29:22

Do you think you're going to manage to do it all?

0:29:220:29:24

I will. I'm quite a determined lady. Your blood's up. Quite right, too.

0:29:240:29:28

Well, since June came to see us,

0:29:290:29:31

she has taken on Gary's advice

0:29:310:29:33

and has been collecting lots of information

0:29:330:29:35

from other affected owners.

0:29:350:29:37

Meanwhile, we sent our experts out and about in the shopping centre to

0:29:390:29:42

share some of their best hints and tips.

0:29:420:29:44

Technology journalist David McClelland

0:29:460:29:48

was particularly keen to talk to

0:29:480:29:49

passing shoppers about their most treasured possession,

0:29:490:29:52

their mobile phone -

0:29:520:29:54

and how to keep it safe.

0:29:540:29:56

What would you do if you reached into your pocket or your handbag

0:29:560:29:59

and your phone wasn't there? Total panic.

0:29:590:30:01

My phone's my life. I don't even know my home phone number,

0:30:010:30:03

I don't think, that's on there.

0:30:030:30:05

If you left it on a bus or on a train,

0:30:050:30:06

how would you try and recover that phone, do you think?

0:30:060:30:09

I wouldn't know. You wouldn't know?

0:30:090:30:10

I wouldn't know. I wouldn't have a clue.

0:30:100:30:12

300,000 smartphones were stolen last year but, in many cases,

0:30:120:30:16

once the criminals got hold of the SIM card,

0:30:160:30:19

the handset itself is discarded.

0:30:190:30:21

So David has a tip for how you and your phone can be reunited.

0:30:210:30:25

There is a national property register

0:30:250:30:27

that you can register your phone with.

0:30:270:30:29

They reunite thousands and thousands

0:30:290:30:31

of people with their phones every year.

0:30:310:30:33

To get your phone registered, so that it can be returned,

0:30:330:30:36

you need to know your phone's identity number

0:30:360:30:38

and here's how you can find it.

0:30:380:30:40

Each phone's got its own unique code called an IMEI number,

0:30:400:30:43

and the way to find out your number,

0:30:430:30:44

I've got a glamorous assistant who's going to show you how to find that.

0:30:440:30:48

Just type in *#06#

0:30:480:30:51

You can try it yourself.

0:30:510:30:52

Just type this code into your phone

0:30:520:30:54

and it will reveal your handset's

0:30:540:30:56

unique identification number.

0:30:560:30:58

Then you need to go to the website,

0:30:580:30:59

tap in that IMEI number and pop it on there.

0:30:590:31:02

Really useful tip. Brilliant.

0:31:020:31:04

And if your phone is simply lost, rather than stolen,

0:31:040:31:07

David's got an even simpler do-it-yourself tip.

0:31:070:31:10

Can I show you something?

0:31:100:31:11

This is really, really low-tech.

0:31:110:31:14

On the back of my phone, I've got a little post-it note,

0:31:140:31:19

so if anyone finds my phone and wants to know who to give it back to,

0:31:190:31:22

that's all they need to know.

0:31:220:31:24

That's brilliant.

0:31:240:31:25

David's put down his Twitter handle for people to track

0:31:250:31:28

him down, but an e-mail address would work just as well.

0:31:280:31:31

I'm putting that on mine.

0:31:310:31:32

Do it. I'm putting that on mine!

0:31:320:31:34

And David has another crucial piece of advice.

0:31:350:31:38

If your phone does go missing, for whatever reason,

0:31:380:31:40

report it lost as soon as you can.

0:31:400:31:43

If someone does nick your phone and starts making premium-rate calls,

0:31:430:31:46

do you know how much you're liable for?

0:31:460:31:48

No. I don't. No.

0:31:480:31:51

If you tell your network within 24 hours, it's the first ?100,

0:31:510:31:55

but if you don't tell them in that 24 hours,

0:31:550:31:57

then you may be liable for all of it.

0:31:570:31:59

And that could leave you facing a very large bill,

0:31:590:32:02

because fraudsters may use your phone to call premium-rate

0:32:020:32:05

numbers that they've set themselves

0:32:050:32:07

in a clever scam to generate thousands of pounds.

0:32:070:32:11

Good luck. I hope you never do lose your phone but, if you do,

0:32:110:32:13

make sure you report it within that 24 hours.

0:32:130:32:15

Earlier in the programme, we saw what goes into testing products

0:32:210:32:24

to see if they merit the Good Housekeeping Institute's

0:32:240:32:27

seal of approval.

0:32:270:32:29

Winning that accolade involves a rigorous

0:32:290:32:31

and robust assessment process,

0:32:310:32:33

but the same can't always be said

0:32:330:32:35

of a whole lot of other endorsements

0:32:350:32:37

you can find emblazoned on labels and packaging.

0:32:370:32:40

We've been taking a close look at what some of them actually mean.

0:32:400:32:43

From cars to cider, through to nappies...

0:32:460:32:50

That's amazing.

0:32:500:32:51

I'll tell you what's amazing.

0:32:510:32:53

Aldi Mamia nappies

0:32:530:32:54

beat Pampers three years running

0:32:540:32:56

at the Mother and Baby Awards.

0:32:560:32:58

Ads and labels can boast all sorts of awards,

0:32:580:33:01

endorsements or recommendations

0:33:010:33:02

that suggest they're a cut above their rivals.

0:33:020:33:05

And it seems they really do influence your decision

0:33:050:33:08

on which ones to buy.

0:33:080:33:10

I think, initially, I do look for products that are endorsed,

0:33:100:33:13

but I still sort of have my own mind and I still like to do a comparison,

0:33:130:33:17

but I am influenced by an endorsement, I must admit.

0:33:170:33:20

I tended to go for the thing that says "approved",

0:33:200:33:22

because we tend to look for that, but I'm always very judgmental.

0:33:220:33:26

You kind of trust that someone's done some kind of research,

0:33:260:33:30

some kind of testing

0:33:300:33:33

to say that it's the best product out there.

0:33:330:33:36

But all awards are not equal and what's behind the accolades

0:33:360:33:39

we see so proudly emblazoned on the packaging can vary enormously.

0:33:390:33:44

Sometimes there is a competitive process to gain that coveted award,

0:33:450:33:49

even if you might assume from the number of times you see it

0:33:490:33:52

that everyone's a winner.

0:33:520:33:54

Take the 2015 Decanter Wine Awards.

0:33:540:33:57

70% of all the wines tasted came away with a recommendation.

0:33:570:34:01

But look more closely, and it turns out only about 3% won gold,

0:34:010:34:05

12% got silver, 30% bronze and 25% a commendation.

0:34:050:34:11

And though you will see plenty of products showing off this logo

0:34:110:34:14

for the Great Taste Awards,

0:34:140:34:16

just a third of the 10,000 or so entrants

0:34:160:34:19

were deemed good enough to use it.

0:34:190:34:21

Now, it's unlikely that many casual shoppers will know

0:34:210:34:24

if an award's been hard-won or given out with a minimum of effort.

0:34:240:34:28

But, as Professor Vince Mitchell explains,

0:34:280:34:31

we will respond very positively to the idea

0:34:310:34:33

that someone's taken the time to test

0:34:330:34:36

or rate a product on our behalf.

0:34:360:34:39

Awards can actually have a big effect on consumers,

0:34:390:34:43

particularly when they first see them.

0:34:430:34:45

In that couple of seconds it takes to decide

0:34:450:34:48

what you're going to buy in the supermarket,

0:34:480:34:50

that award can be the piece of information

0:34:500:34:53

that makes the difference.

0:34:530:34:55

And there's one award that, on the face of it, suggests the winning

0:34:550:34:57

products really are the cream of the crop.

0:34:570:35:00

After all, it's called Product Of The Year

0:35:000:35:02

and it boasts that displaying

0:35:020:35:03

that title can boost a brand's sales by up to 15%.

0:35:030:35:07

But what you may not realise is that there isn't just

0:35:080:35:11

one Product Of The Year.

0:35:110:35:12

Last year, for instance, there were 42 of them.

0:35:120:35:15

So how can they all be that good?

0:35:150:35:17

I think it's important for certain product awards,

0:35:190:35:22

you have to look at the frame of reference,

0:35:220:35:24

because consumers might realistically expect

0:35:240:35:28

that that was the best product in the world

0:35:280:35:31

compared to every single product.

0:35:310:35:34

Whereas, in reality, the frame of reference is much smaller than that.

0:35:340:35:37

And, therefore, we interpret it as being, "Wow!"

0:35:370:35:41

When, really, it's only a little "Yay..."

0:35:410:35:44

Product Of The Year awards its title in a number of different categories,

0:35:450:35:49

but even that's not as simple as it sounds, because some of those

0:35:490:35:52

categories may distinctly overlap.

0:35:520:35:56

Take yoghurts, for example.

0:35:560:35:57

You might assume that only one could walk away with the coveted title,

0:35:570:36:01

but, guess what, in 2016,

0:36:010:36:03

no fewer than four yoghurts were crowned Product Of The Year.

0:36:030:36:06

So here's an example of category confusion.

0:36:080:36:10

You're standing in the supermarket in front of the yoghurts

0:36:100:36:12

and you want to know which is best.

0:36:120:36:14

So here we have the best healthy yoghurt,

0:36:150:36:19

this actually is the best kids' yoghurt,

0:36:190:36:21

this one is the best dessert,

0:36:210:36:24

but this one is actually the best yoghurt in the yoghurt category.

0:36:240:36:29

You can see how that's confusing to a consumer

0:36:290:36:32

trying to decide which one is actually best.

0:36:320:36:35

Meanwhile, this Gillette shaving gel won in the toiletries category,

0:36:360:36:41

but that doesn't mean the rest went home empty-handed. Oh, no!

0:36:410:36:44

Others were named Product Of The Year

0:36:440:36:46

in categories including toothpaste,

0:36:460:36:48

oral care, wet shave razors, skincare,

0:36:480:36:51

baby wipes and women's hair removal.

0:36:510:36:53

They're all toiletries, but they're all also winners.

0:36:530:36:57

And there's a real commercial value in them being able to say

0:36:570:37:00

that because, when you see the magic words Product Of The Year,

0:37:000:37:04

you may not realise that the item has won in a specific,

0:37:040:37:07

sometimes rather narrow category.

0:37:070:37:10

In reality, most consumers don't spend that much time

0:37:100:37:13

or effort processing any product claim.

0:37:130:37:15

And therefore, they simply take it at face value and assume

0:37:150:37:19

that this is the product that's the best on the market

0:37:190:37:22

compared to hundreds of products.

0:37:220:37:24

That is actually an exaggerated interpretation

0:37:240:37:29

of what it actually means.

0:37:290:37:31

So here's how Product Of The Year works.

0:37:310:37:34

It's open to any new product that went on sale

0:37:340:37:36

in the past 18 months and is considered innovative.

0:37:360:37:40

Companies can enter any product for free and they don't have to select

0:37:400:37:44

which category they're entering because, in fact,

0:37:440:37:46

there are no set categories.

0:37:460:37:49

It's only when all the entries are in

0:37:490:37:50

that the categories are announced.

0:37:500:37:52

It's slightly concerning that some award organisers don't publish the

0:37:520:37:57

categories until after all the entries have been submitted.

0:37:570:38:01

This raises the possibility that they can create

0:38:010:38:05

specific award categories which artificially increase

0:38:050:38:09

the probability of those people who submitted

0:38:090:38:13

actually winning.

0:38:130:38:14

Product Of The Year actually guarantees

0:38:150:38:17

that there will be no fewer than two, but no more than six

0:38:170:38:21

products competing in the final category,

0:38:210:38:23

once all shortlisted entrants

0:38:230:38:25

have paid a fee of ?3,750 to be considered.

0:38:250:38:30

But shoppers we met seemed surprised that the field wasn't rather wider.

0:38:300:38:35

So, if something won Product Of The Year,

0:38:350:38:37

it'd have to be out of thousands for me, like, literally thousands,

0:38:370:38:39

or maybe hundreds, at least.

0:38:390:38:41

If a product's won an award,

0:38:410:38:42

it must have beaten a lot of other products on the market.

0:38:420:38:45

If a product's won an award,

0:38:450:38:46

it's definitely beaten hundreds of other products out there on the

0:38:460:38:49

competitive market.

0:38:490:38:51

Once the Product Of The Year categories have been determined,

0:38:510:38:54

12,000 consumers are asked what they think of each of the final entrants.

0:38:540:38:58

A couple of months later, with all those results in,

0:38:580:39:01

the winning products of the year are announced,

0:39:010:39:04

some with great fanfare.

0:39:040:39:06

But if a company wants to make the most of its big win and display that

0:39:060:39:09

vital Product Of The Year logo,

0:39:090:39:11

it will have to pay a further fee of ?16,000 to do so,

0:39:110:39:15

giving a final cost of ?19,750.

0:39:150:39:20

Of course, as we saw earlier at the Good Housekeeping Institute,

0:39:200:39:23

it's not unusual for manufacturers to have to pay to display a logo and

0:39:230:39:28

most award schemes across many industries

0:39:280:39:31

have a range of fees for competitors.

0:39:310:39:34

But Professor Vince Mitchell isn't convinced that this kind

0:39:340:39:37

of set-up benefits businesses or consumers.

0:39:370:39:41

Not only do you have to pay to enter, but you have to pay to win,

0:39:410:39:46

so if you have won, if you can't pay for the award,

0:39:460:39:48

then you can't use it and promote it.

0:39:480:39:51

I'm not sure that's clear to consumers

0:39:510:39:53

and I'm not sure that that is really fair to the people

0:39:530:39:58

who enter, because it seems very dependent on how

0:39:580:40:02

deep your pockets are.

0:40:020:40:03

However, when we got in touch with Product Of The Year,

0:40:050:40:08

it stressed that, like any commercial business,

0:40:080:40:11

it has running costs and its charges cover an array of expenses,

0:40:110:40:15

such as an award show, a huge consumer survey,

0:40:150:40:18

and a large and expensive research operation.

0:40:180:40:22

And it was keen to point out that, of course,

0:40:220:40:24

there's no cost to consumers who, through the scheme,

0:40:240:40:27

are able to find a shortcut to good new products.

0:40:270:40:30

Adding that it gets a lot of feedback

0:40:300:40:32

from satisfied purchasers of Product Of The Year winners,

0:40:320:40:35

it explained that while its categories are largely

0:40:350:40:38

based on those already existing in supermarket aisles,

0:40:380:40:41

they're determined by whatever products are nominated,

0:40:410:40:44

which may change year on year,

0:40:440:40:46

according to the changing trends and focus of innovation in each sector.

0:40:460:40:51

Product Of The Year also said it's down to each manufacturer

0:40:510:40:54

to make clear exactly which category has been won.

0:40:540:40:57

But if you've ever plumped for a product because of an accolade

0:40:590:41:02

displayed on the label, keep in mind that,

0:41:020:41:04

while any such recognition is not to be sniffed at,

0:41:040:41:07

what you assume it represents may be a little different from the reality.

0:41:070:41:12

I think award schemes in general are good for consumers.

0:41:120:41:15

They can save us time and help us to make quick decisions about which are

0:41:150:41:19

the best products when they are done transparently.

0:41:190:41:22

However, when there are multiple organisations with multiple awards

0:41:220:41:26

and it's not clear how they're done,

0:41:260:41:28

then they create confusion rather than clarity in consumers.

0:41:280:41:32

If you've got a story you'd like us to investigate,

0:41:400:41:42

then you can get in touch with us via our Facebook page...

0:41:420:41:46

our website...

0:41:480:41:51

or e-mail...

0:41:530:41:54

And, of course, you can always send us a letter to our postal address...

0:41:580:42:01

Now, of course, companies live or die on how well they can convince us

0:42:130:42:17

to buy their products but, as we've seen today,

0:42:170:42:20

sometimes the sales pitch just does not live up to expectations

0:42:200:42:24

and no-one wants to discover that when it's too late,

0:42:240:42:28

which, of course, is usually after you've handed over your cash.

0:42:280:42:31

Well, it's precisely to give us confidence that we're making the

0:42:310:42:34

right choice that so many of us rely on those endorsements emblazoned

0:42:340:42:38

on the label or packaging. But as canny consumers,

0:42:380:42:41

it's still worth checking out what's behind those endorsements.

0:42:410:42:44

That said, of course, there's a world of difference

0:42:440:42:46

between claims that are exaggerated or overhyped and the hard sell

0:42:460:42:50

techniques designed to trick you into buying something

0:42:500:42:53

that you just don't need.

0:42:530:42:54

So hopefully we've been able to give you some tips

0:42:540:42:57

to help navigate the incredible range of sales tactics

0:42:570:42:59

that we're faced with every single day.

0:42:590:43:02

Well, that point is where we're going to leave it,

0:43:020:43:04

but we're going to be back with more of your stories very soon,

0:43:040:43:07

so until then, from the entire Rip-Off Britain team, bye-bye.

0:43:070:43:10

Goodbye. Goodbye.

0:43:100:43:11

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