Barclays flexible bonds

Will Google think that my friend Barclay and his flexible bonds is in any way interesting?

I was watching the TV tonight and I saw Barclay’s ad for Flexible Bonds which ended with the voiceover exhorting people to “Google ‘Barclays Flexible Bonds’. I enjoy watching businesses use Google in this way. Barclays are, of course, supremely confident that their results will come high up in Google. And so they do, I am sure.

Of course, I’m also interested to test just how well Barclays has sown this particular meadow for the keywords ‘Barclays flexible bonds’. You’d hope it was done well. You’d expect it to be done well. And if it IS done well, then you won’t see my post anywhere – which is how it should be. If you DO see this post, then I’d argue that something’s gone wrong somewhere in the Barclays’ online strategy.

You know me. Nothing malicious in my intent, just insatiably curious to see what happens.

TouchLocal listing: find out if you’re getting value for money

With our simple common-sense test

If you run your own company, it’s normal to want to increase the amount of business coming in. If you don’t understand online marketing, listing your business in an online directory might seem like a good idea – especially when these directories seem to guarantee a certain amount of traffic or enquiries.

If you are getting those promises from a salesman, the alarm bells should be going off at this point. Anyone who knows anything about the way the internet works will tell you that no one can guarantee you traffic (unless they’re clicking through to your site themselves), far less a guaranteed number of enquiries (even assuming you are getting any traffic) for the simple reason that a host of other factors about your business and your web presence combine to influence whether or not someone will actually contact you to buy.

The harsh reality is that you’re hungry for more business and the online business directories are hungry to sell you their services. This (in the light of the preceding paragraph) is an almost sure-fire recipe for inflated promises and, ultimately, unhappy customers.

The following is a simple, common-sense way to test what any online directory promises or implies in its sales pitches. Of course, only you can know what the salesman is actually promising, but do this test with those promises in mind – BEFORE you agree to anything!

I’m using TouchLocal for this common-sense test but you can do it for any one of those category-based directories.

First of all: Go to the TouchLocal home page. Choose one of their named categories. I chose ‘Sign Makers’

Step 1) In ‘Sign Makers’, select one of the paid listings (in this case a ‘sponsored business’) – I’ve chosen ‘Southern Neon Signs Ltd’ of Southampton

Step 2) Click on the company name and explore their TouchLocal listing. Click through to the company’s own website and make a note of their URL (so you can see if it comes up in Google searches later).

Step 3) Imagine you’re Southern Neon Signs Ltd. You’ve paid your money for TouchLocal to help people looking for a sign maker in Southampton to find you. Now you want to test how well they’re doing this. It’s time to put yourself in your prospect’s shoes.

Go to Google and do the obvious: a search on ‘sign makers southampton’. Look at the results. Do you see Southern Neon Signs there? No. Ok. Do you see any TouchLocal results there. Two. Ok. Do any mention your company? No.

Step 4) Explore the TouchLocal results. Click on the first one.

Step 5) This takes you to a TouchLocal listing page. Look careful at what’s happening on this page. First note that there are Google ads for your competitors in that all-important top part of the page. Next, note that there’s a listing for a direct competitor of yours directly above you! Then, note that you appear at the bottom of the page. Ask yourself what are you actually getting for your money here?

Step 6) Go back and explore the other TouchLocal result in the Google results page. Click the link to see what it leads to…

Step 7) Uh oh. This is worse. This leads you to a page with a single company listing on it – and it’s another direct competitor of yours! Plus another pile of Google Ads for your competitors.

So Southern Neon Signs Ltd paid money to a business directory in the hope of getting more business but their business name seems to be invisible on P1 of Google and where it DOES appear, it’s buried among their direct competitors and has no competitive advantage whatsoever.

At this point, you should be asking yourself ‘What did that business get for its money?’

They paid their money and got a listing in the directory. But remember, an entry in a directory is useless because nobody goes to a directory to search for products and services. They, like you, use Google when they want to find a sign maker in Southampton.

In Summary

The point of online marketing is that you’re trying to put your details (whether on your website or someone else’s – such as TouchLocal) in front of a potential customer. This customer is using Google to try to find someone to help with his problem. The words he’s typing into the Google search bar are what are referred to as ‘keywords’. You want your site to have those keywords in it, and you want Google to return YOUR site (not those of your competitors) at the top of its pile when someone searches for those keywords.

Google has to decide whose site is most relevant to the searcher. It does that by assessing the relevance (a complex and ever-changing formula) of your site to the searcher’s needs. An important part of that is your keywords.

If your site is well-made and has a liberal, and appropriate sprinkling of your business’s keywords (plus a host of other qualities that Google judges as contributing to its relevance) then it will be returned high in the search results when someone types – for example – ‘sign makers southampton’.

When an online directory offers to make your business more visible in Google and get you more enquiries or business, it will try to do this by competing for those keywords and presenting your business details as high up in Google as it can. The problem for any directory (and for you as a business with your own website) is that where there’s money to be made (for example, in sign writing in Southampton) there will be a lot of people competing with you to appear at the top of Google for those keywords.

Neither you, TouchLocal or anyone else can cheat your way to the top of Google (although many try). To get there – to be considered more relevant than all the other pages on the web that might reference ‘sign makers southampton’ (including all your competitors and all the other online directories competing with you and each other to get those top 10 slots) – you have to work really hard or pay a lot and take the short cut – using Google’s sponsored advertising ‘Adwords’ system.

So when an online directory offers you lots of exposure and implies that this will lead to lots of business, you need to remember that they’re going to be playing the game I’ve just described – along with literally dozens of other online directories doing the same thing for other sign makers in Southampton and everywhere else, for that matter.

The reality that nobody ever points out to you is this: there are only 10 worthwhile places on P1 of Google (plus the sponsored links). If you’re not in those, then (by and large) the business will go to those who are. And you can rest assured that those who are will be those who have paid or done the hard work to get their names on the first page. Not the name of TouchLocal or UpMyStreet or Yell or any of those directories.

Go to Google, type in ‘sign makers southampton’ again.

Look at the yellow shaded ads at the top and the ads down the right hand side of the page. These are Google Ads – paid for by the company wanting to appear at the top of Google. The more money there is to be made in their business, the more it will cost them to appear there. The normal law of advertising applies.

Look at the ‘organic’ search results – the rest of the results on that page. Note there are numerous entries at the top for TouchSouthampton and Yell. But put yourself in the buyers position. Those listings tell you NOTHING about any companies. To find a company to satisfy your needs, you’re going to have to click through to TouchLocal to find out more. The browsing prospect is going to go with a named company on the first page, not a ‘one-click-removed’ TouchLocal listing.

The bottom line is that a prospect is far more likely to click on any one of the paid ads or the Google business listings before they’ll go anywhere near the TouchSouthampton or Yell listings on that P1 of results.

The good news is that YOU can run this test yourself before you agree to sign up to any online directory.

Waldberg & Hirsch: if you have received a demand for money…

…from Waldberg & Hirsch on behalf of Euro Business Guide, you might like to read this first

If you’re reading this, you’ve probably been scammed by ‘Euro Business Guide’. Don’t pay them – report them to Interpol instead.

And then read this post and the 180+ reassuring comments following it from people just like you who have fallen foul of these scammers.

Euro Business Guide is just one of many ‘misleading contract’ scams that have been going around the globe – and making millions of £ / $ / € – for over 10 years. These scams all follow the same basic format:

  • You receive a form (hardcopy or emailed pdf) offering you what appears to be a free entry in some online business directory
  • You print the form, enter your company details and sign / stamp it and send it back
  • Some weeks later, you received demands for payment of 3 years ‘subscription’ at around €980 a year
  • The scammers bully you via any means – fax, phone, email, letter
  • If you don’t pay, you get letters & calls from people claiming to be a debt collection agency demanding payment and threatening you with court action

You need to know the following:

1) Euro Business Guide is a scam and has no legal rights or power over anyone

2) Waldberg & Hirsch is not a real debt collection company – it is just the people behind Euro Business Guide trying to frighten you into paying

These scams work on fear, nothing else. If they think you’re vulnerable and unsure, they will bully you to increase your fear levels to the point where you will agree to their ‘offer’ to settle at 1 year (that’s €980).

Don’t pay them and if you’d like to talk to loads of other people who won’t pay them either, join the Facebook group today.

Is Hydroxatone free sample a scam? You decide.

Is Hydroxatone free sample a scam? As always, you the great Googling public will decide.

Today Clare received a Post Office note saying ‘We are unable to deliver your package until you pay £26.50 in customs charges’. The only thing she could recall having ordered that could possibly have incurred customs charges like this was a free sample of some kind of face cream.

A quick search in Google for ‘skin cream sample customs charge’ turned up this result for a product called Hydroxatone. My next search was ‘hydroxatone sample customs charge’ gave me several more revealing results including this one and this one.

It also shows that Hydroxatone is being promoted by a large number of spammy blogs stuffed with keywords like this one (right). What makes this one particularly interesting is the phrase ‘hydroxatone scam’. As a rule of thumb, when you see a business trying to hi-jack its own company or product name + “scam” in the search results, you can bet there’s a problem.

At best, this seems to be another promotion that makes money by people forgetting to cancel within the 30 days period. At worst, it looks like its deliberately designed for this to happen. I’ve seen loads of these recently and only today blogged about having been caught out myself by one operated by CreditExpert.

It’s not like Clare to get caught out by something like this either, so I’m doubly interested to find out more about Hydroxatone and how their ‘promotion’ works. Of course, if you’ve been caught out by this and want to share your experience of Hydroxatone to help inform others, then please leave a comment using the form below.

How do I close my CreditExpert account?

Don’t expect CreditExpert to tell you.

I’m really pissed off with CreditExpert – and doubly pissed off with myself.

A year ago, I needed to check my credit rating and went to CreditExpert. They caught me out with the old ‘to get a report, you have to sign up for a free 30 day membership (which will turn into a paid membership if you forget to cancel…)’ ploy.

I must have been distracted or, more likely, under pressure when I entered my card details. Either way, I paid for my report at the time and went about my business. A year later, I finally noticed the £7.99  a month that I’ve been paying for a year – for something I don’t need and haven’t used.

As soon as I found out, I went to CreditExpert to close my account. “Here we go” I thought, after scanning the home page and finding absolutely nothing about how to close an account. No surprise, really. So I tried the ‘Need help?’ tab on the first page. This took me to a page of FAQs – none of which dealt with cancelling. Then I typed ‘How do I cancel my membership’ into the search box. This brought up a page of stuff about why I shouldn’t cancel. That – I have to say – is a sure fire way of making sure that I will ditch CreditExpert and never use it again.

The final straw, however, was to discover that while it was clearly stupidly easy to sign up online, there was – deliberately – no means at all of cancelling online. No, to do that I have to wait until next week and spend 15 minutes or more on the phone for the pleasure.

Toyshop in Tavistock? Kaleidoscope deserves reputation boost

The owner of Kaleidoscope toyshop in Tavistock helped me out for free

It’s not often that you get something for nothing but today I did. I was walking through Tavistock looking for some small magnets and getting nowhere. Not the hardware store, not the market, not the fancy gift shops. So I called into Kaleidoscope Toys and spoke to the owner.

“Hang on a minute” he said, and disappeared upstairs. When he returned, he had a handful of little magnets from some kind of toy I’d never seen before. “You can have these for nothing” he said.

They were JUST what I needed and they’ll be heading to Glasgow with me to the job I’ll use them for on Monday.

Thank you, Kaleidoscope Toys in Tavistock. I hope that I can return your kind deed some time.

Is ‘Alex Lesley’ of ICAA Cyprus Ltd demanding money for Expo Guide?

If someone called ‘Alex Lesley’ from ICAA Cyprus Ltd contacts you demanding money on behalf of Expo Guide…

… you might like to read this post and the hundreds of comments before you do anything.

You’ve probably arrived at this post because you’ve received a threatening demand for money from a ‘debt collection’ company called ICAA Ltd who claim to be working for Expo Guide, an online directory business that’s well known for tricking people into signing for services they don’t want. These people no doubt have been bullying you for some time with their demands (reminding you that it’s your fault for not checking the small print). Now they’re trying to make you think they can take you to court to force you to pay.

I’ve been researching this scam for a long time and I’ve never found a single company that has reported being taken to court by Expo Guide or ICAA. That should tell you something, particularly since they hook in tens of thousands of people a year with this scam. Surely they must have taken at least ONE to court in all this time if they could, right? Exactly.

Make sure to read the hundreds of comments from people all over the world who feel they’ve been deliberately misled by scammers ‘Expo Guide’ then make up your mind whether you think that you want to take ‘Alex Lesley’ and ICAA Ltd seriously.

Note to ICAA: You know as well as I do that there’s nothing libellous or defamatory about reproducing an email you send to your victims.

Dear xxx xxxxx,

ICAA inform you that the case against xxx x xx xxxx x x x has been referred to our legal department to proceed with further action to recover the monies owed to our client. I have informed our Senior Legal Advisor that you have posted my full name and e-mail address on the anti-EXPO Guide forum. Whilst you are free to express your opinions along with others not trained in legal matters, I sincerely advise you to remove my name as you have no right to publish my name in material of such nature, unless you have solid evidence that your opinions are indeed, fact.

By close of business next week, our legal department will refer this case to an attorney to proceed with the necessary steps to recover the monies owed to our client. ICAA are a third party mediator who were passed this case in order to try to assist both parties in reaching a fair compromise. Contrary to comments of those on the forum, we gain no pleasure in having to chase people for their debts.

Our job is difficult enough at the best of times, without individuals bad mouthing us and then publishing our names on public forums. I have been neither rude or aggressive in my correspondence to you. Despite the nature of my job, I still believe in treating people with respect. Kindly show me the same level respect and remove my name from your post.

With regards,

Alex Lesley

Senior Credit Manager

INTERNATIONAL CREDIT ASSESSMENT AGENCY by ICAA Ltd.

187A Leontiou Str., Tsacon Court,

4th Floor 3020 Limassol,

Cyprus P.O. Box 53397

3302 Limassol,

Cyprus Tel : +357 25 270 666, Fax: +357 25 270 777

Email: al@icaacy.com

Website: www.icaacy.com

‘share’ spamming on Google+

Can you spam people using Google+?

Yes – using the ‘share’ function.

Just now, I got an item in my stream from one ‘Mac MacPherson’. From looking at this ‘incoming’ item, you can clearly see that Google+ lets people who you don’t know and who don’t know you push things at you. Great.

So I tried it out myself. Here’s how you do it. First, publish your piece of mega-spam to your stream. Make sure it contains plenty of calls to actions and links to your Viagra store or Forex trading platforms (or whatever else you’re pushing at people).

1) When you’ve published your lump of spam, click the ‘share’ link underneath it.

2) Delete any circles

3) Start to type ANY name you like in the circle / name field (G+ will kindly fill it for you with tons of people you don’t know and who don’t know you)

4) When you’ve finished adding names, click the green ‘Share’ button

5) Those people will get a notification in their stream that you want to share something with them. They either have to view your post or they can choose to delete it by clicking the little ‘x’

However, the cute bit is that even if they choose to delete you from their stream, they will still have got a notification email from the Google+ noreply containing the full content of your spamming post.

Unless Google does something about this, I think we can expect G+ to drown in a deluge of spam.

Tin Eye reverse image search engine

Tin Eye is a great tool for finding out who uses your images online…

I went to a school reunion last weekend. One of my old school friends is now a bit of a ‘business guru’ and, inspired by the 30 year interval between seeing people, blogged about change – including a picture of a yellow road sign reading ‘change ahead’.

‘I wonder how many times that sign’s been used?’ I thought to myself – and went to consult Tin Eye, an amazing image reverse search engine. You upload the image you’re interested in (a screen grab of the yellow sign picture in my case), hit a button and in seconds it will find a whole list of instances where that image has been used. Since the file names of all these occurrences are different, this operation can only be by analysis of the bitmap itself – quite some mind-boggling feat.

Tin Eye found 17 instances of this image (but I’m sure there are a lot more out there). In each case, the wording had been changed but Tin Eye found it anyway based on the overall composition of the picture. I decided to add mine to the list but be a bit more… honest about it :-)

Long time no post…

It’s been quite a while since I posted anything on this site but for the last couple of years I’ve been very busy moderating and replying to comments. Most of these have come from people who have been conned by one of the many scams that I’ve looked into on this site.

‘Misleading contract’ business directory scams

A huge number of these people have been victims of ‘business directory’ scams. These trick people into signing a ‘contract’ for roughly €3,000 and then follow up with demands and finally threats from so-called debt collectors (in reality the same people as the scammers). Something like 4% of people snared pay out of fear or desperation. Given the sheer volume of these entrapping forms sent out each year, that’s millions of euro every year just for bullying people over the phone and with a few letters.

The good news is that my posts about these scams are high up in Google meaning that people who have got caught in the trap can find this site and in doing so, read and contribute to the thousands of comments from other people like them. The even better news is that this body of evidence shows that no-one has ever been taken to court by any of these scams. That makes for reassuring reading.

Another neat thing we achieved was to put our warnings about the fake ‘debt collection agencies’ these scams use high up into Google. As soon as someone receives a scary demand from – say ‘ICAA Cyprus Ltd’ on behalf of Expo Guide – they find this site and all the reassuring comments BEFORE they find ICAA’s own (rather 1-dimensional) website.

‘Prize draw promotions’

I can report that – as of the last couple of months – there has been a marked drop-off in ‘prize promotion’ activity. In these thinly-disguised scams, people receive letters telling them they have won a confirmed prize and should contact the company to claim. These promotions are designed to make the ‘lucky winner’ pay to get their prize. On average, the ‘cost’ to claim the prize has been around £15 (extracted through a range of methods such as premium-rate claim lines and insurances). In many, many cases people who paid that money received nothing. Where they did, it was often a throwaway Chinese digital camera with a value of about £2.50.

This scam was designed to appeal to people who are vulnerable and whose judgment is impaired whether through youth, naiivety, mental or other health problems. Finally, in February of 2011, The Office Of Fair Trading (OFT) finally got the UK’s #1 operator of these rip-offs into the High Court last year. Ross-on-Wye based McIntyre & Dodd Marketing Ltd was found to be operating unlawfully and ordered to stop the practice. To our surprise, these people (part of DM Plc) carried on mailing their letters for a couple of months after this ruling – judging by the comments that still regularly arrived in waves to coincide with each new M&D direct mail-out.

The good news is that – for the last couple of months at least – M&D appears to have stopped the mail-outs under the usual sounding names like ‘Community Awards Register’, ‘NB – Botification Bureau’ and ‘Unclaimed Prize Register’ etc etc. The traffic for those titles and for ‘McIntyre & Dodd Marketing Ltd’ has dropped right off – I’m pleased to announce. Let’s hope it won’t start up again under some other guise – although, to be quite honest, I fully expect it to at any moment.

Peter Popoff and his ‘Miracle Debt Cancellation’

This US ‘preacher’ was exposed by James Randi as being a complete and total fake. I was surprised, therefore, to see him sometime in the last year or two on UK TV (on ‘The Gospel Channel’ from Iceland) peddling his wares. A quick Google search for ‘Peter Popoff’ will show you just how much hatred this nasty con man has aroused. Google’s ‘popular searches’ feature tells a clear story: peter popoff prison / peter popoff miracle water / peter popoff fake / peter popoff false prophet.

“Peter Popoff is a mother fucker” says one non-fan on his blog. “Born again but still a religious fraud” says another. “Peter Popoff, back to his old tricks” is yet another. Even RipoffReport has a feature on this toad. Why isn’t he in prison, asks a chunk of the internet population. I’ve no idea – sadly, and there’s no sign of him stopping yet.

TouchLocal

There is still a constant trickle of traffic into this site for the heinous keyphrase “touchlocal sc*m”. Why? Because someone out there isn’t happy with what they’re getting from TouchLocal. Nothing unusual about that but a couple of years ago it bubbled over into a bit of a problem. By publishing unhappy customer comments here, TL were forced to communicate with those customers. A very small number were resolved (better than none) and – under threat from TL – I agreed to take the thread down. Immediately after, TouchLocal tried to play some games to stuff the top of Google search with their own copy for the keyphrase – with the result that they looked like a business with something to hide.

Let’s hope things are improving for TouchLocal’s customers, ordinary non-computer literate business folk just hoping for a little extra business…

PayPal

This one isn’t going away. We’re still getting regular horror-stories from people whose livelihoods are being ruined by PayPal when it freezes their accounts or does strange and, let’s face it, unacceptable-sounding things. My best advice at the time didn’t feel like much help even then – and I suspect that PayPal hasn’t got any more accountable (or regulatable) as it’s got bigger.

Amazon.com/co.uk

I’m pleased to be able to say that the all the traffic to this site for Amazon (and there’s been a lot of it) has shown that, apart from frustration at the company’s unwillingness to highlight its customer service phone number, most people are extremely satisfied with the quality of customer service they DO get when they get through to an agent.

This is exactly the experience I had in the beginning that prompted me to post. Keep up the good work Amazon – and why not make your customer service numbers more accessible? That way you’ll have even more advocates singing your praises worldwide.

..and so

It’s coming time to re-think this site and what I want to do with it.

What I’ve learned is that it is very satisfying to be able to help prevent people from being ripped off and save them from unnecessary worry and stress. In a cruel world that thinks its ok to rip people off because they didn’t see the trap coming, I’m pleased to have made some difference. But it takes a bit of effort and involves a bit of risk, too – so it’s time to consider where we go from here.