09/05/2025
Customer Overshadowing
In a world where a consumer or customer is a critical part of a company's existence, in small businesses or organizations, the customer is often on the receiving end of bad service or a company declining claims. A few examples:
• The product was not exchanged due to malfunctioning or poor quality, although it was within the guarantee period for absurd reasons. Negligence or intended damage, without substantive proof, serve as reasons for not exchanging or repairing the product;
• Poor service, time involved in resolving complaints or requests for service from private institutions to government. Even when using the escalation procedure, it feels like you are "talking" to yourself or sending an email to a dark world.
• Entitlement in different types of insurance claims, such as life, temporary & permanent disability, theft, and accidents, to mention a few, declined.
In defense of companies declining any form of complaint, the reality is that they need to assess or judge whether it is a legitimate claim and determine whether it is fraudulent or customer intent damage/negligence to a product. People can stage a situation that creates the impression of damage or theft, and the life claims for death, and there are so many cases where people are killed in strange or horrific ways for a beneficiary to get access to the benefit.
However, this article focuses on claims with a valid and legitimate reason for a claim consideration and is within their warranty/guarantee or the terms contained in the policy contract.
Insurance Industry
Many clients find themselves with the claims declined without substantiation. It creates the impression that the starting point from an organization is to decline a claim where there is a grey area that can be an argument of interpretation and then await a client's response or challenge such a decision. Also, companies allow for discretion in approving a claim, which is purely browbeat, a form of bullying. The discretion creates a blank cheque to find a loophole not to approve a legitimate claim, and some discretions are purely based on opinions. It leaves the consumer with no other alternative than taking it on review to the Ombudsman or even the courts.
My advice: Be awake before entering into any policy contract. Please read all the fine print, and where you have questions, ensure to place them in writing to receive a written response for clarity. Be cautious not to be intimidated.