All posts in Utilities

Court Rules Consumer can Revoke Consent to be Autodialed

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The customer giveth...and the customer taketh away. Their consent that is.

The US District Court for the Southern District of California has ruled that a consumer can revoke their consent to be autodialed or receive recorded messages at their mobile number either orally or in writing.

The case is Gutierrez vs. Barclay's Bank. Gutierrez is suing the bank for violating the TCPA by continuing to call and text his and his wife's cell phone after he told them not to. Gutierrez gave both numbers to the bank on his credit card application, which by the FCC's declaratory ruling constitutes consent to be autodialed or messaged at those numbers. But after he went past due and started getting calls and texts, he orally withdrew his consent.

The court denied Barclay's motion for summary judgement (which would have ended the lawsuit) where they argued Gutierrez needed to "put it in writing". The court said there is nothing in the TCPA that requires either the provision or revocation of consent to be in writing.

While its never good to see a creditor in trouble for possibly violating the TCPA, there is a silver lining in this cloud.

Gutierrez did not argue against the FCC's ruling on Continue reading →

Strategic Defaulters and Cash Flow Managers

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According to a study by Experian, the recession and housing market meltdown has spurred some borrowers to behave in unexpected ways - so different in fact they have come up with category names: Strategic Defaulters and Cash Flow Managers.

Strategic Defaulters are borrowers with prime or even super prime credit ratings that choose to default on their mortgage, not due to a loss of a job or some other catastrophe, but because they are under-water (house worth less than the mortgage) on their loan. These folks are treating the home loan like it was a bet on a Continue reading →

Welcome Calls are Effective Relationship Building Tool

Welcome calls are a great way for a company to begin a relationship with a new customer. Beyond delivering a heartfelt "thank you" for their business, welcome calls effectively bridge the gap from the point of sale to the point of service. This is especially important when the relationship is established through an indirect channel such as Continue reading →

The ROI Behind Automation

Call centers have their challenges like any other operating unit. These challenges have not changed over the last 20 years, but what has changed is the ways we can address these challenges with new processes and technologies. I view the top three ever-lasting top call center challenges as: Continue reading →

Make it Relevant - This Year's Theme for Varolii's Interaction Conference

“Make it relevant” is the theme for Interaction 2011, Varolii's annual client conference, which will be held at the beautiful Red Rock Resort outside Las Vegas from May 22/23 to May 25. Since I am going to be giving a couple of presentations at the conference, I have been thinking about what "make it relevant" means. Continue reading →

What are Best Methods for Collecting Past Due Accounts?

When it comes to money, size does matter. More is better, biggest is best.

It's important to keep this in mind when comparing alternative methods for collecting past due accounts. While cost efficiency is good, at the end of the day whichever approach yields the tallest stash of cash should win. Continue reading →