• Avoid paying through Cash App, Venmo, Western Union, or Bitcoin/Crypto unless you ABSOLUTELY trust your hired writer!

When working with a writer, many will ask that you pay them up front for the work. This is typical and should be expected. However! We recommend not using Cash App, Venmo, Western Union, or BTC due to payments being impossible to reverse specifically through these platforms. Only use the above if you fully trust the writer you work with!

• Send payments through PayPal and select payments to be sent for "Goods And Services"

We highly recommend using PayPal to pay for your project! When sending a payment through PayPal for "Goods And Services" your payment is protected by PayPal in the case that you get scammed or receive work that doesn't match what you ordered! All that you need to do is file a dispute under that payment and provide evidence to their dispute team!
Some have mentioned that Venmo is backed by PayPal. While this may be true, their platform doesn't allow senders to protect their payments.

• Pay as you go!

For those who may not feel comfortable paying in full, contact your writer and request if you can pay as you go! For example: If you have a $60 four page assignment, pay the freelancer 25% ($15) upfront for the first page. Once they turn the first page in, pay another $15 upfront for the second page. And so on and so forth until the project is complete!

• Check all links sent to your email to ensure they're coming from the correct website!
  Many scammers may send you a payment invoice to your email. Usually the email is formatted in a way to look like a legit prompt from PayPal, Stripe, etc. This is done so that you click the fake email and enter personal or credit/debit card info that they can steal. Check the email to ensure it's coming from the correct site!
  
• Do NOT reveal any personal information!
  

Never reveal your name, birth day, social security, home address, phone number, or any piece of info that can expose you!

Paid Help from Hiraedu: If You're struggling to handle your comptia or any other WGU Exam or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
ACADEMIC TASKS MY TEAM AND I CAN COMPLETE:

• Entire Degree Programs
• Full Online Classes (1 - 20+ Weeks Long)
• Proctored Exams Quizzes Tests
• Homework Assignments
• Research Papers Term Papers Essays
• Projects & Labs
• Discussion Posts
• Annotated Bibliographies
• Employment Assessments
• Certification Programs

MY TEAM'S CLASSES OF EXPERTISE:

• Statistics: AP Statistics Biostatistics Business Statistics Elementary Statistics Intro to Statistics Psychology Statistics Social Science Statistics Statistics & Probability Statistical Methods Statistical & Probability Models
• Math: Advanced Functions Algebra Calculus 1, 2, 3 (and 4 in some schools) Vector Calculus Differential Calculus Integral Calculus Multivariable Calculus Differential Equations Discrete Math Discrete Structures Finite Mathematics Functions Geometry Linear Algebra Precalculus Probability Real Analysis Statistics Trigonometry Quantitative Methods & Reasoning
• Science: Anatomy & Physiology Astronomy Biochemistry Biology Chemistry (General, Inorganic & Organic) Dental / Pre-Dental Earth Science Engineering (Almost All Types) Environmental Science Epidemiology Fluid & Mechanics Geology Geophysics Medicine / Pre-Med Microbiology Neuroscience Physics Physical Science
• Business: Accounting Auditing Banking Business Administration Business Law Corporate Finance Cost Accounting Econometrics Economics Finance Financial Institutions Financial Reporting Global Economics Governance International Economics Macroeconomics Management Marketing MBA Courses Mergers and Acquisitions Microeconomics Operations Management Principles of Accounting Real Estate Taxation
• English: Business Writing Creative Writing Critical Reading Digital Media Eastern Literature English Literature Essays Expository & Persuasive Writing Fiction Writing Greek and Roman Philosophy Grammar Poetry
• Humanities & Social Sciences: Architecture Anthropology Art History Communication Criminal Justice Forestry Ethnic Studies Film History Law Pre-Law Music Philosophy Political Science Psychology Psychiatry Religious Studies Sociology Theology Women Studies
• Computer Science & Programming: Android AWS Azure Blockchain Cryptocurrency Smart Contracts C C# C++ Cloud Computer Organization and Assembly Languages CSS Data Science Data Structures and Algorithms Deep Learning Design Patterns Game Design and Development iOS Java Javascript Machine Learning MATLAB MySQL Networking NoSQL Object Oriented Programming Operating Systems PHP Principles of Computer Science Programming for Virtual Reality Programming Languages Python R Robotics Ruby Software Engineering SQL Swift Web Development

MY EDUCATIONAL SOFTWARE OF EXPERTISE:

• Acellus ALEKS Aplia APEX Learning Badgr Blackboard Blink Learning Brightspace / D2L Canvas Cengage CengageNow Childsmath Cisco ConnectMath Connexus CPM Crowdmark EViews Edmentum Examity Excel Garch Google Classroom Google Education Gradescope Hawkes Learning Honorlock iClicker InQuizitive (Norton) Java Kaltura Khan Academy Knewton Kryterion LaunchPad MATLAB Maple MasteringChemistry MasteringPhysics MathXL Mathematica McGraw-Hill Connect MegaStat Microsoft Teams Microsoft Access, Word, Excel, PowerPoint Mindtap Minitab MonitorEDU Moodle MyAccountingLab MyEconLab MyFinanceLab MyITLab MyMathLab MyOpenMath MyPsychLab MySocLab MyStatLab NCSS Outlier Pearson MyLab and Mastering Piazza PlatoWeb Prezi Proctor360 Proctorio Proctortrack Python R Respondus Lockdown Browser with Webcam SAM Sapling SAS SPSS Socrative Stata StraighterLine Turnitin VoiceThread WebAssign WebEx WebWork Wiley WileyPlus Zoom

TOP 20 REASONS WHY I'M THE MOST LEGIT EXAM, HW, ONLINE CLASS TUTOR ON REDDIT:

1. Team of U.S. Academic Experts: I and my team of dedicated academic experts complete all types of academic coursework for students in most math, English, science, business, humanities, social Sciences, computer programming, and foreign language classes on a 24/7/365 full-time round-the-clock basis. This is not some part-time gig for me. It’s literally my primary source of income. I can regularly make myself available to help students with last-minute & same-day academic requests.
2. Essay Writing Skills: I can write essays & research papers in native U.S. American English and fluent Canadian English using APA MLA Harvard Chicago Vancouver OSCOLA IEEE formatting & citations.
3. 75+ Types of Academic Software: I am highly skilled & experienced in using over 75+ types of academic software and educational platforms including the following: ALEKS, Blackboard, Brightspace, Canvas, Cengage, WebAssign, ConnectMath, Crowdmark, D2L, Moodle, Pearson MyLab and Mastering, MyMathLab, MyStatLab, MyOpenMath, StraighterLine, WebWork, and Wiley.
4. Can Change IP Address: I have multiple reliable VPN software including: NordVPN, SurfShark & ExpressVPN that allows me to successfully change my computer’s original New Jersey IP address to any major city in the U.S. & Canada to avoid raising red flags with students’ online class software.
5. Proctored Exam Help: I have developed multiple highly effective methods of helping students with exams, tests, and quizzes that are proctored by software like: Respondus Lockdown Browser with Webcam, Honorlock, Examity, Proctorio, Proctor360, Proctortrack, and ProProctor using 3 highly effective proven methods. Option 1 - WhatsApp: I use WhatsApp to have the student discreetly text me photos of the exam questions outside of the webcam’s view and I text them the correct solutions to the exam questions. Option 2 - Screen Share: Using screen share software like Zoom to see the student’s screen displaying the exam questions and I text the correct solutions. Option 3 - Remote PC Access & Control: Using remote computer access software like to control the student’s mouse and keyboard from my own computer.
6. Study Help Apps: I have over 15+ paid subscriptions to a wide range of study help apps, software, websites, and programs to help me solve exam & homework questions faster and more efficiently. Some of these resources include: Brainly, Chegg, CourseHero, Quizlet, SymboLab & WolframAlpha.
7. Calculators & Math Software: I have access to a very sophisticated graphing calculator and various mathematical software that provides step-by-step solutions to complex mathematical problems within seconds, allowing me to provide exact solutions to the student in a timely manner.
8. Test Taking Techniques: I have developed highly effective methods to determine the correct answers to questions that I’m not already familiar with including process of elimination, working backwards, quickly searching for similar questions online, and utilizing standardized test taking techniques taught only in elite standardized test prep tutoring programs.
9. Handwriting & Scanning Apps: I have impeccable handwriting and a high-quality mobile scanner app that allows me to scan written solutions in very legible high-definition JPG, PNG, and PDF formats.
10. Live Exam Help Videos: I am the only verified U.S.-based online exam hw online class help tutor with a highly successful YouTube Channel where I regularly upload live unedited videos of me actually completing exams, quizzes & homework assignments for other students and clearly explain my entire thought process and display on-screen all the steps, apps, websites, and software I use to compute the correct answers.
11. Flexible Payment Methods: I offer negotiable rates, multiple payment methods (PayPal, Venmo, Cash App, Zelle, anonymous credit & debit card payments via online invoice), and flexible payment plans: weekly (most expensive), monthly, half-now / half-later, and all-up-front (least expensive).
12. Money Back Guarantee: I have won multiple academic awards for my exceptional skills & expertise in math. I guarantee overall A & B grades for all coursework completed. Plus. I also offer a 50% refund for C+, C, and C- scores, and a full 100% refund for D+, D, D-, and F scores.

HOW I CALCULATE FINAL RATES:

• Exams & Quizzes: Final rates for exams and quizzes depend on various factors including: whether or not there is proctoring, how many hours the exam is, total number of questions including sub-parts, preferred method of me delivering solutions, whether it's show all work or just the answer only, and whether the assessment has a flexible window of time to complete or a fixed & rigid start and end time.
• Full Courses: Final rates for full class help depend all the foregoing plus: total number of hw, quizzes, exams, discussion posts, and other academic tasks left that need to be completed, total number of weeks or modules left in the class to complete, and whether there is required multi factor authentication for logging in like Duo Push or text passcode.
• Essays Papers Discussion Posts: Final rates for writing tasks depend on the required number of words or pages. topic of interest, type of citations, required number and type of sources & bibliography style , level of research required, and type of additional software required to complete the essay like: Excel, R, or Minitab.

Paid Help from Hiraedu: If You're struggling to handle your comptia or any other WGU Exam or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
ABOUT MY RATES & PAYMENT OPTIONS:

• Rationale for My Rates: I sincerely believe my rates are more than fair considering my education, skills, native born U.S. resident status, legitimacy, and the substantial amount of value, stress relief, and saved time & energy I’d be providing you in exchange for my valuable, irretrievable time, energy, and effort.
• Disclaimer About Rates: Completing someone else's exam, essay, or homework assignment is obviously NOT something you can just freely ask anyone to do, especially on the internet. Therefore, such help should be well-compensated. Services that are reliable and deliver high-quality results are difficult to find and are very high in demand. Thus, I expect to be compensated fairly for all the value, stress relief, and saved time & energy my services provide. However, I may be willing to negotiate rates if necessary.
• Payment Methods: I accept PayPal (required for all Canadian students), Venmo, Zelle, Cash App, and anonymous credit & debit card payments via online invoice.
• Payment Plans: I offer the following payment plans for my services: weekly (most expensive), monthly, half-now / half-later, and all upfront (least expensive).
• Money Back Guarantee: I guarantee the following grades for coursework completed: A+. A, A-, B+, B. and B-. However, I offer a 50% refund for C+, C, and C- grades, and a full 100% refund for D+, D, D-, and F grades.

CURRENT RATES -- AS OF SUMMER / FALL 2022 -- SUBJECT TO CHANGE:

• Full Class Help Rates: $595 – $2495 USD
• Exam & Test Help Rates: $150 – $350 USD
• Quiz Help Rates: $60 – $180 USD
• HW Assignment Help Rates: $60 – $420 USD
• Essay & Paper Writing Help Rates: $19 – $29 USD per 300 words

THE OBLIGATORY "IS THIS A SCAM?" QUESTION:
Considering the fact that you found my contact information online, it’s understandable to be skeptical regarding the legitimacy of my services. Therefore, I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:

• Engage in a Telephone interview: Speak with you on the phone and answer any questions you may have so that you have the opportunity to assess and analyze my tone, articulation, and accent. I’m a New Jersey-born Irish/Italian-American, but I have been told that I speak in an erudite & articulate suburban American accent with a “professor style” voice somewhat resembling the voice of actor: Ben Stein.
• Provide Telephone References: Provide you with the contact information of students who have utilized my services in the past who would be more than willing to vouch for my skills.

MY REBUTTAL TO THE OBLIGATORY “IS THIS A SCAM?” QUESTION:
At the risk of sounding arrogant, I consider myself to be at least marginally more intelligent (both academically & socially) than the average person. Therefore, if I ever decided to suddenly risk prison time, risk my reputation, and risk enduring the wrath of modern-day “cancel culture” by scamming people out of their money:

• Not Worth the Money: I certainly wouldn’t do it for such paltry amounts of money. (i.e., anything less than $1,000 per victim.)
• Most Students are Broke: I certainly wouldn’t choose high school & college students as my “target audience” to scam, considering that most people without college degrees have abysmally low annual incomes.
• Waste of Time & Energy: Communicating back and forth with potential clients is an absurdly long time sink since only less than 10% of all potential clients who reach out to me actually become paying clients of mine.
• All My Payment Apps are Still Active: If you pay me to provide academic services and I don’t deliver, you can always dispute the payment with the payment app and easily get your money refunded. If I were in the habit of swindling money from people, then all of my payment accounts would have been investigated and be completely shut down by now.
• My Mission: Thank you for taking the time to read my Reddit post. I take what I do very seriously and I always strive to get the highest possible grades for all students who entrust me with their coursework.
• Closing Words: Please feel free to reach out to me if you're sincerely interested in having help you with your school work. I am available via text, email, and call almost 24/7/365.

Paid Help from Hiraedu: If You're struggling to handle your comptia or any other WGU Exam or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
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Contact Hiraedu for any type of Academic Help:
Contact Details for Hiraedu Helper:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: [info@hiraedu](mailto:info@hiraedu). com
ACADEMIC TASKS MY TEAM AND I CAN COMPLETE:

• Entire Degree Programs
• Full Online Classes (1 - 20+ Weeks Long)
• Proctored Exams Quizzes Tests
• Homework Assignments
• Research Papers Term Papers Essays
• Projects & Labs
• Discussion Posts
• Annotated Bibliographies
• Employment Assessments
• Certification Programs

MY TEAM'S CLASSES OF EXPERTISE:

• Statistics: AP Statistics Biostatistics Business Statistics Elementary Statistics Intro to Statistics Psychology Statistics Social Science Statistics Statistics & Probability Statistical Methods Statistical & Probability Models
• Math: Advanced Functions Algebra Calculus 1, 2, 3 (and 4 in some schools) Vector Calculus Differential Calculus Integral Calculus Multivariable Calculus Differential Equations Discrete Math Discrete Structures Finite Mathematics Functions Geometry Linear Algebra Precalculus Probability Real Analysis Statistics Trigonometry Quantitative Methods & Reasoning
• Science: Anatomy & Physiology Astronomy Biochemistry Biology Chemistry (General, Inorganic & Organic) Dental / Pre-Dental Earth Science Engineering (Almost All Types) Environmental Science Epidemiology Fluid & Mechanics Geology Geophysics Medicine / Pre-Med Microbiology Neuroscience Physics Physical Science
• Business: Accounting Auditing Banking Business Administration Business Law Corporate Finance Cost Accounting Econometrics Economics Finance Financial Institutions Financial Reporting Global Economics Governance International Economics Macroeconomics Management Marketing MBA Courses Mergers and Acquisitions Microeconomics Operations Management Principles of Accounting Real Estate Taxation
• English: Business Writing Creative Writing Critical Reading Digital Media Eastern Literature English Literature Essays Expository & Persuasive Writing Fiction Writing Greek and Roman Philosophy Grammar Poetry
• Humanities & Social Sciences: Architecture Anthropology Art History Communication Criminal Justice Forestry Ethnic Studies Film History Law Pre-Law Music Philosophy Political Science Psychology Psychiatry Religious Studies Sociology Theology Women Studies
• Computer Science & Programming: Android AWS Azure Blockchain Cryptocurrency Smart Contracts C C# C++ Cloud Computer Organization and Assembly Languages CSS Data Science Data Structures and Algorithms Deep Learning Design Patterns Game Design and Development iOS Java Javascript Machine Learning MATLAB MySQL Networking NoSQL Object Oriented Programming Operating Systems PHP Principles of Computer Science Programming for Virtual Reality Programming Languages Python R Robotics Ruby Software Engineering SQL Swift Web Development

MY EDUCATIONAL SOFTWARE OF EXPERTISE:

• Acellus ALEKS Aplia APEX Learning Badgr Blackboard Blink Learning Brightspace / D2L Canvas Cengage CengageNow Childsmath Cisco ConnectMath Connexus CPM Crowdmark EViews Edmentum Examity Excel Garch Google Classroom Google Education Gradescope Hawkes Learning Honorlock iClicker InQuizitive (Norton) Java Kaltura Khan Academy Knewton Kryterion LaunchPad MATLAB Maple MasteringChemistry MasteringPhysics MathXL Mathematica McGraw-Hill Connect MegaStat Microsoft Teams Microsoft Access, Word, Excel, PowerPoint Mindtap Minitab MonitorEDU Moodle MyAccountingLab MyEconLab MyFinanceLab MyITLab MyMathLab MyOpenMath MyPsychLab MySocLab MyStatLab NCSS Outlier Pearson MyLab and Mastering Piazza PlatoWeb Prezi Proctor360 Proctorio Proctortrack Python R Respondus Lockdown Browser with Webcam SAM Sapling SAS SPSS Socrative Stata StraighterLine Turnitin VoiceThread WebAssign WebEx WebWork Wiley WileyPlus Zoom

TOP 20 REASONS WHY I'M THE MOST LEGIT EXAM, HW, ONLINE CLASS TUTOR ON REDDIT:

1. U.S. Citizenship Status: I have native-born U.S. citizenship status, an 100% authentic & natural U.S. American accent, and a verified New Jersey, USA residence. I can speak on the phone professionally in both perfect native U.S. English and fluent Canadian English.
2. U.S. 212 Phone Number: I have a verified U.S. American business phone number with the prestigious 212 area code (212-380-1856 - Ext 3) that can both send & receive phone calls, texts, voicemails, photos, and website links.
3. Social Media Verified: I have an active & verified online social media presence with my name and contact info regularly showing up on all major search engines including: Google, Yahoo, and Bing.
4. Professional Website: I have a professional, well-designed, well-written, 100% secure SEO-optimized WordPress business themed website: hiraedu.com
5. Team of U.S. Academic Experts: I and my team of dedicated academic experts complete all types of academic coursework for students in most math, English, science, business, humanities, social Sciences, computer programming, and foreign language classes on a 24/7/365 full-time round-the-clock basis. This is not some part-time gig for me. It’s literally my primary source of income. I can regularly make myself available to help students with last-minute & same-day academic requests.
6. Essay Writing Skills: I can write essays & research papers in native U.S. American English and fluent Canadian English using APA MLA Harvard Chicago Vancouver OSCOLA IEEE formatting & citations.
7. 75+ Types of Academic Software: I am highly skilled & experienced in using over 75+ types of academic software and educational platforms including the following: ALEKS, Blackboard, Brightspace, Canvas, Cengage, WebAssign, ConnectMath, Crowdmark, D2L, Moodle, Pearson MyLab and Mastering, MyMathLab, MyStatLab, MyOpenMath, StraighterLine, WebWork, and Wiley.
8. Can Change IP Address: I have multiple reliable VPN software including: NordVPN, SurfShark & ExpressVPN that allows me to successfully change my computer’s original New Jersey IP address to any major city in the U.S. & Canada to avoid raising red flags with students’ online class software.
9. Proctored Exam Help: I have developed multiple highly effective methods of helping students with exams, tests, and quizzes that are proctored by software like: Respondus Lockdown Browser with Webcam, Honorlock, Examity, Proctorio, Proctor360, Proctortrack, and ProProctor using 3 highly effective proven methods. Option 1 - WhatsApp: I use WhatsApp to have the student discreetly text me photos of the exam questions outside of the webcam’s view and I text them the correct solutions to the exam questions. Option 2 - Screen Share: Using screen share software like Zoom to see the student’s screen displaying the exam questions and I text the correct solutions. Option 3 - Remote PC Access & Control: Using remote computer access software like to control the student’s mouse and keyboard from my own computer.
10. Study Help Apps: I have over 15+ paid subscriptions to a wide range of study help apps, software, websites, and programs to help me solve exam & homework questions faster and more efficiently. Some of these resources include: Brainly, Chegg, CourseHero, Quizlet, SymboLab & WolframAlpha.
11. Calculators & Math Software: I have access to a very sophisticated graphing calculator and various mathematical software that provides step-by-step solutions to complex mathematical problems within seconds, allowing me to provide exact solutions to the student in a timely manner.
12. Test Taking Techniques: I have developed highly effective methods to determine the correct answers to questions that I’m not already familiar with including process of elimination, working backwards, quickly searching for similar questions online, and utilizing standardized test taking techniques taught only in elite standardized test prep tutoring programs.
13. Handwriting & Scanning Apps: I have impeccable handwriting and a high-quality mobile scanner app that allows me to scan written solutions in very legible high-definition JPG, PNG, and PDF formats
14. Flexible Payment Methods: I offer negotiable rates, multiple payment methods (PayPal, Venmo, Cash App, Zelle, anonymous credit & debit card payments via online invoice), and flexible payment plans: weekly (most expensive), monthly, half-now / half-later, and all-up-front (least expensive).
15. Money Back Guarantee: I have won multiple academic awards for my exceptional skills & expertise in math. I guarantee overall A & B grades for all coursework completed. Plus. I also offer a 50% refund for C+, C, and C- scores, and a full 100% refund for D+, D, D-, and F scores.

HOW I CALCULATE FINAL RATES:

• Exams & Quizzes: Final rates for exams and quizzes depend on various factors including: whether or not there is proctoring, how many hours the exam is, total number of questions including sub-parts, preferred method of me delivering solutions, whether it's show all work or just the answer only, and whether the assessment has a flexible window of time to complete or a fixed & rigid start and end time.
• Full Courses: Final rates for full class help depend all the foregoing plus: total number of hw, quizzes, exams, discussion posts, and other academic tasks left that need to be completed, total number of weeks or modules left in the class to complete, and whether there is required multi factor authentication for logging in like Duo Push or text passcode.
• Essays Papers Discussion Posts: Final rates for writing tasks depend on the required number of words or pages. topic of interest, type of citations, required number and type of sources & bibliography style , level of research required, and type of additional software required to complete the essay like: Excel, R, or Minitab.

ABOUT MY RATES & PAYMENT OPTIONS:

• Rationale for My Rates: I sincerely believe my rates are more than fair considering my education, skills, native born U.S. resident status, legitimacy, and the substantial amount of value, stress relief, and saved time & energy I’d be providing you in exchange for my valuable, irretrievable time, energy, and effort.
• Disclaimer About Rates: Completing someone else's exam, essay, or homework assignment is obviously NOT something you can just freely ask anyone to do, especially on the internet. Therefore, such help should be well-compensated. Services that are reliable and deliver high-quality results are difficult to find and are very high in demand. Thus, I expect to be compensated fairly for all the value, stress relief, and saved time & energy my services provide. However, I may be willing to negotiate rates if necessary.
• Payment Methods: I accept PayPal (required for all Canadian students), Venmo, Zelle, Cash App, and anonymous credit & debit card payments via online invoice.
• Payment Plans: I offer the following payment plans for my services: weekly (most expensive), monthly, half-now / half-later, and all upfront (least expensive).
• Money Back Guarantee: I guarantee the following grades for coursework completed: A+. A, A-, B+, B. and B-. However, I offer a 50% refund for C+, C, and C- grades, and a full 100% refund for D+, D, D-, and F grades.

CURRENT RATES -- AS OF SUMMER / FALL 2022 -- SUBJECT TO CHANGE:

• Full Class Help Rates: $595 – $2495 USD
• Exam & Test Help Rates: $150 – $350 USD
• Quiz Help Rates: $60 – $180 USD
• HW Assignment Help Rates: $60 – $420 USD
• Essay & Paper Writing Help Rates: $19 – $29 USD per 300 words

THE OBLIGATORY "IS THIS A SCAM?" QUESTION:
Considering the fact that you found my contact information online, it’s understandable to be skeptical regarding the legitimacy of my services. Therefore, I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:

• Engage in a Telephone interview: Speak with you on the phone and answer any questions you may have so that you have the opportunity to assess and analyze my tone, articulation, and accent. I’m a New Jersey-born Irish/Italian-American, but I have been told that I speak in an erudite & articulate suburban American accent with a “professor style” voice somewhat resembling the voice of actor: Ben Stein.
• Provide Telephone References: Provide you with the contact information of students who have utilized my services in the past who would be more than willing to vouch for my skills.

MY REBUTTAL TO THE OBLIGATORY “IS THIS A SCAM?” QUESTION:
At the risk of sounding arrogant, I consider myself to be at least marginally more intelligent (both academically & socially) than the average person. Therefore, if I ever decided to suddenly risk prison time, risk my reputation, and risk enduring the wrath of modern-day “cancel culture” by scamming people out of their money:

• Not Worth the Money: I certainly wouldn’t do it for such paltry amounts of money. (i.e., anything less than $1,000 per victim.)
• Most Students are Broke: I certainly wouldn’t choose high school & college students as my “target audience” to scam, considering that most people without college degrees have abysmally low annual incomes.
• Waste of Time & Energy: Communicating back and forth with potential clients is an absurdly long time sink since only less than 10% of all potential clients who reach out to me actually become paying clients of mine.
• All My Payment Apps are Still Active: If you pay me to provide academic services and I don’t deliver, you can always dispute the payment with the payment app and easily get your money refunded. If I were in the habit of swindling money from people, then all of my payment accounts would have been investigated and be completely shut down by now.

CONCLUSION:

• My Mission: Thank you for taking the time to read my Reddit post. I take what I do very seriously and I always strive to get the highest possible grades for all students who entrust me with their coursework.
• Closing Words: Please feel free to reach out to me if you're sincerely interested in having help you with your school work. I am available via text, email, and call almost 24/7/365.

Contact Details for Hiraedu Helper:
WhatsApp: +1 (213) 594-5657
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So I'm going to avoid naming the name of the company because I'm currently in a dispute with them. I've posted here before about a proposed $27,731.60 "service replacement" charge that this company suggested after telling me that my smoke alarm system had died and that it was due to "corroded electrical supply that was past its serviceable lifespan".
I'm happy to report that I did not acquiesce to any such outlandish charge and instead got the opinions of three different qualified electricians from the area. The most I was quoted was $2,300, i.e. 1/10 of the proposed cost, to change out the circuit breaker panel, but the other 2 electricians said they didn't think there was anything the matter with my electrical supply and that there was no corrosion on the buses and everything was wired neat and tidy.
The rage I feel. Ohhhh the rage.
So then I found out that the smoke alarms they charged me $2,700 to install a year or so ago were actually $119 Kidde brand combo smoke/CO alarms with wireless interconnect. Those detectors come, by default, with a 10-year sealed battery, bear that in mind. In other words, they come factory direct that way at the $119 price point. The number they installed even with labor at $115/hour shouldn't have come to more than $1k, so being charged nearly $3k raised my alarm bells. I dug into it further and got a detailed invoice from the company and yup, they gouged me.
They charged the following:
6 counts of "wireless combination smoke/co detector" at $228.60/count = $1,371.60 3 counts of "install a wireless battery operated smoke and CO detector" at $178.20 per = $534.60 9 counts of "add 10 year sealed battery to detector" at $52/count = $468 (!!!!!!!!) Heat detector units at $166.50/count for 2 counts = $333
Total of $2,707.20
Those heat detectors by the way cost even less than the smokes because they don't have voice command or wireless operation, they're just hard wired heat detectors.
I was OUTRAGED that they were literally charging me $468 to "add a battery" when the battery comes with the unit straight out of the box and requires no additional assembly or work. Disgusting price gouging.
Fortunately, there was a "service satisfaction guarantee" clause and you bet your 3rd point of contact that I invoked that! So I did get the money back for the smokes, every penny of it.
The company is now, however, jerking me around about a $468 charge (different from the one in the invoice) for one of their electricians to come to my home and try to "fix" my smoke alarm system. But it wasn't broken. Indeed, all that happened is that one of the units had a fault and just needed to be re-initialized, but it just so happened that the one in question was the "hub" unit that acted as the central connector for all of the others in the wireless grid. So when that faulted, all of the others started chirping and saying "connection lost!" over and over and over again at 1 o'clock in the morning.
The only thing the goofus that they sent out did was just push the silence button, put the alarms back up, and then 15 minutes later when they inevitably unsilenced after the 15 minute hush period and started screaming "connection lost!" again, he tells me that my system is damaged beyond repair because of my outdated electrical supply and I'll need to get the full service updated at which point they can get a warranty replacement on the smoke alarms.
Bruh. -.-
So after he leaves, I call Kidde, the manufacturer, and confirm that in fact all I ACTUALLY have to do is hold the button down on the central unit for about 8 seconds until I get 3 beeps, then hold each of the other units down for about 5 seconds until I get 2 beeps, then hold the central unit down for 5 seconds and get 2 beeps and they alllllll reconnect and reinitialize. Took me less than 5 minutes.
How a licensed electrician working for the company that installed those units didn't do that while at my home for 3.5 hours is beyond me. I have to assume he was intentionally not fixing the units in order to pressure me into a $27,731.60 service agreement. That or he was inept. I don't know which is the more generous thing to assume, frankly.
The same company also installed a whole home surge protector on my circuit breaker. It's internally fused, apparently, so it's patched DIRECTLY into the main breaker, not onto sub breaker. It's a PSP Category 1 Hurricane Surge Protector (model #HC1C100-06N) and I called PSP, the manufacturer, directly to try to get a quote on the price for it, but they tell me they are a factory that sells directly to electricians, so they can't quote me a value. But I'm willing to bet it's substantially less than $1,100.
So my question is this: I know for sure they were taking me for a ride from the beginning because online sources tell me residential whole home surge protectors cost typically between $30 and $150 or so based on the quality and brand. And that installation is usually another $200ish. I'm curious to know: have any of you worked with a PSP Cat-1 Hurricane surge protector? Are they low quality, mid, or high? About what do they charge you as the electrician? About what do you typically charge to install? Bonus points if you're in western Massachusetts or the New England market in general and can quote approximately what it would cost to do this. I'm trying to establish that in all 3 cases this company grossly overcharged me, because I want my money back for any work they did since it has, thus far, all been substandard.
And to clarify, they were not running any new wires for the smoke alarm system or for the surge protector. They used existing breakers and existing wires, so it cannot be the case that they were justifying a higher charge for that reason. They literally put up 9 smoke alarms on existing wires, took them like an hour and a half, so at the $115/hour rate they quote that should have been like $180 of install charges plus maybe a fee for rolling a truck out here and the cost of the units themselves. Something a little over $1k would have made sense. In my defense, it was the middle of the pandemic, I was going through a messy breakup with an ex who cohabitated and co-owned my home at the time, and looking up prices for smoke detectors was not at the top of my priority list at the time of this charge. I guess "caveat emptor" so my fault a bit, but also screw that nonsense, electricians shouldn't be cut-throat bastards, they should quote an honest price for honest work.

Effective receivable management has long been a critical component of a business's financial health and success. However, traditional approaches to managing accounts receivable often face significant challenges that can hinder a company's ability to maintain a healthy cash flow and optimize its financial operations. One of the primary issues with traditional receivable management is the reliance on inefficient manual processes and data silos. Many organizations still rely on paper-based invoicing, manual data entry, and disparate systems to track and manage outstanding invoices. This lack of integration and automation can lead to errors, delays, and a lack of visibility into the overall receivable landscape.
Another key challenge is the difficulty in tracking and managing outstanding invoices. Without a centralized and streamlined system, it can be challenging for finance teams to maintain a clear understanding of which invoices are due, overdue, or at risk of becoming delinquent. This lack of visibility can make it challenging to prioritize collection efforts and proactively address potential cash flow issues. Additionally, the time-consuming and labor-intensive nature of debt collection efforts can further strain resources and impact the overall efficiency of the receivable management process.
Furthermore, the lack of visibility into cash flow and customer payment patterns can hinder a company's ability to make informed financial decisions. Without access to comprehensive data and analytics, it becomes increasingly difficult to forecast cash flow, identify potential risks, and develop effective strategies to improve receivable management. This lack of data-driven insights can lead to suboptimal decision-making and missed opportunities to optimize the receivable process.

Key Takeaways

• Traditional receivable management poses challenges for businesses
• Automation can improve invoicing and billing efficiency
• Data analytics can enhance cash flow forecasting
• Self-service portals can enhance customer experience
• Integrating receivable management with accounting platforms can streamline processes

Embracing Automation for Efficient Invoicing and Billing

To address the challenges of traditional receivable management, businesses are increasingly turning to innovative solutions that leverage automation and technology. One of the key areas where automation can have a significant impact is in the invoicing and billing process. Automated invoice generation and delivery can streamline the process, reducing the risk of errors and ensuring timely and accurate invoicing. By integrating these automated systems with payment processing and reconciliation, companies can further enhance the efficiency of their receivable management.
Customizable payment terms and reminders can also play a crucial role in improving the overall receivable process. By offering flexible payment options and proactively sending payment reminders to customers, businesses can encourage timely payments and reduce the likelihood of late or missed payments. This not only improves cash flow but also enhances the customer experience by providing a more convenient and seamless payment process.
Improved collaboration and communication with customers is another key benefit of embracing automation in receivable management. By integrating self-service portals and online payment options, businesses can empower their customers to access account information, initiate payments, and resolve disputes more efficiently. This not only reduces the burden on customer service teams but also fosters stronger relationships with customers, leading to improved loyalty and satisfaction.

Leveraging Data Analytics for Improved Cash Flow Forecasting

In addition to streamlining the invoicing and billing process, innovative receivable management solutions also leverage data analytics to provide businesses with valuable insights and improve cash flow forecasting. By aggregating comprehensive data from various sources, including customer payment history, outstanding invoices, and industry benchmarks, these solutions can offer a holistic view of the receivable landscape.
Through the application of predictive models and advanced analytics, businesses can gain a deeper understanding of their cash flow patterns and potential risks. This enables them to make more informed decisions regarding credit policies, collection strategies, and financial planning. By identifying payment trends and potential delinquencies, companies can proactively address issues and take appropriate actions to mitigate the impact on their cash flow.
The insights gained from data analytics can also inform strategic decision-making, allowing businesses to optimize their receivable management processes and align them with their overall financial objectives. This data-driven approach can lead to improved cash flow forecasting, better resource allocation, and more effective financial planning, ultimately enhancing the company's financial resilience and competitiveness.

Enhancing Customer Experience through Self-Service Portals

Innovative receivable management solutions not only streamline internal processes but also focus on enhancing the customer experience. One of the key ways this is achieved is through the implementation of self-service portals, which provide customers with 24/7 access to their account information and payment options.
By empowering customers with self-service capabilities, businesses can reduce the burden on their customer service teams and improve overall customer satisfaction. Customers can access their account details, view outstanding invoices, initiate payments, and even resolve disputes through these online portals, without the need for direct interaction with the company's finance or collections teams.
This enhanced customer experience can have a positive impact on customer loyalty and retention. When customers are able to manage their accounts and payments conveniently and efficiently, they are more likely to maintain a strong relationship with the business. Additionally, the availability of online payment options and dispute resolution channels can further improve the customer experience, leading to increased customer satisfaction and a stronger brand reputation.
Furthermore, the integration of self-service portals with the overall receivable management system can provide valuable data and insights. By analyzing customer behavior and preferences within the portal, businesses can identify opportunities to optimize their processes, tailor their communication strategies, and better meet the evolving needs of their customers.

Integrating Receivable Management with Accounting Platforms

Metrics	Results
Days Sales Outstanding (DSO)	Reduced by 20%
Collection Effectiveness Index (CEI)	Increased by 15%
Bad Debt Expense	Decreased by 25%
Customer Satisfaction	Improved by 30%

Effective receivable management requires seamless integration with a company's overall accounting and financial systems. Innovative solutions in this space recognize the importance of this integration and offer capabilities that enable a truly holistic approach to financial management.
By synchronizing data between the receivable management system and the accounting platform, businesses can achieve real-time updates and ensure the accuracy of financial reporting and reconciliation. This integration eliminates the need for manual data entry and reduces the risk of errors, ultimately improving the efficiency and reliability of the financial processes.
The benefits of this integration extend beyond just the finance team. By providing a unified view of financial data, the integration between receivable management and accounting platforms can foster improved collaboration between finance and operations teams. This enhanced collaboration can lead to better decision-making, as both teams have access to the same accurate and up-to-date information.
Moreover, the integration of receivable management with accounting platforms can streamline the overall financial reporting and analysis process. With a centralized and synchronized data source, businesses can generate more accurate and comprehensive financial reports, enabling them to make more informed decisions and better align their receivable management strategies with their overall business objectives.

Mitigating Risks with Intelligent Debt Collection Strategies

Effective receivable management not only involves streamlining the invoicing and billing processes but also proactively addressing potential delinquencies and mitigating the risks associated with outstanding debt. Innovative solutions in this space are leveraging intelligent debt collection strategies to enhance the efficiency and effectiveness of the collections process.
One of the key features of these solutions is the automation of dunning and follow-up processes. By automating the generation and delivery of payment reminders, businesses can ensure that customers are consistently and promptly notified of upcoming due dates and outstanding balances. This proactive approach can help prevent late payments and reduce the likelihood of delinquencies.
Furthermore, these solutions often incorporate customized communication strategies based on customer profiles and payment histories. By tailoring the tone, frequency, and channels of communication, businesses can improve the effectiveness of their collections efforts and foster stronger relationships with their customers. This personalized approach can lead to better customer engagement, increased payment compliance, and reduced write-offs.
The integration of predictive analytics and risk assessment models within these intelligent debt collection strategies also plays a crucial role in mitigating potential risks. By identifying patterns and early warning signs of potential delinquencies, businesses can take proactive measures to address these issues before they escalate. This data-driven approach enables more informed decision-making and the implementation of targeted collections strategies, ultimately improving debt recovery rates and reducing the financial impact of write-offs.

Optimizing Receivable Processes with Robotic Process Automation

As businesses continue to seek ways to streamline their receivable management processes, the adoption of Robotic Process Automation (RPA) has emerged as a powerful solution. RPA technology allows for the automation of repetitive, high-volume tasks, freeing up employees to focus on more strategic and value-added initiatives.
By integrating RPA into their receivable management workflows, businesses can achieve significant improvements in efficiency and accuracy. Automated tasks such as invoice generation, data entry, payment processing, and reconciliation can be executed with speed and precision, reducing the risk of human error and ensuring consistent execution of these critical processes.
The implementation of RPA also has the added benefit of scalability. As a business's receivable management needs evolve, the RPA-powered solutions can adapt and scale accordingly, without the need for extensive manual intervention or system overhauls. This flexibility allows companies to maintain a high level of operational efficiency, even as their business grows and the volume of receivables increases.
Moreover, the adoption of RPA in receivable management can have a positive impact on employee morale and job satisfaction. By automating the repetitive and time-consuming tasks, employees are able to redirect their efforts towards more strategic and fulfilling work, leading to increased job satisfaction and improved overall productivity.

Harnessing the Power of Artificial Intelligence for Predictive Insights

The integration of Artificial Intelligence (AI) and machine learning algorithms into receivable management solutions has the potential to revolutionize the way businesses approach this critical function. By leveraging the power of predictive analytics and pattern recognition, these innovative solutions can provide businesses with valuable insights and recommendations to optimize their receivable processes.
One of the key applications of AI in receivable management is the ability to identify and predict potential payment risks. Through the analysis of historical data, customer behavior patterns, and industry benchmarks, AI-powered solutions can detect early warning signs of potential delinquencies and proactively alert businesses to take appropriate action. This predictive capability enables companies to be more proactive in their collections efforts, reducing the likelihood of write-offs and improving overall cash flow.
Furthermore, AI-driven solutions can provide personalized communication and payment recommendations to customers. By analyzing individual customer profiles and payment histories, these solutions can suggest the most effective communication channels, payment terms, and reminders tailored to each customer's preferences and payment patterns. This personalized approach can lead to improved customer engagement, increased payment compliance, and enhanced overall customer experience.
The continuous learning and optimization capabilities of AI-powered receivable management solutions also play a crucial role in driving continuous improvement. As the system processes more data and learns from the outcomes of its recommendations, it can adapt and refine its strategies, leading to increasingly accurate predictions and more effective receivable management practices. This self-learning and optimization process allows businesses to stay ahead of the curve and maintain a competitive edge in their industry.

Achieving Operational Excellence in Receivable Management

Effective receivable management is not just about implementing the latest technological solutions; it requires a holistic and integrated approach that aligns with the overall business objectives. To achieve operational excellence in receivable management, businesses must adopt a comprehensive strategy that encompasses people, processes, and technology.
At the core of this approach is the implementation of a centralized and integrated receivable management system that seamlessly connects all the relevant components, from invoicing and billing to collections and reporting. By breaking down data silos and fostering cross-functional collaboration, businesses can gain a unified view of their receivable landscape and make more informed decisions.
Alongside the technological advancements, businesses must also cultivate a culture of continuous improvement and innovation within their finance and operations teams. This involves regular performance reviews, the establishment of key performance indicators (KPIs), and the implementation of feedback loops to identify areas for optimization. By empowering employees to contribute to the improvement of receivable management processes, businesses can foster a sense of ownership and drive sustainable change.
Ultimately, the pursuit of operational excellence in receivable management requires aligning these efforts with the overall business objectives. By integrating receivable management strategies with the company's financial planning, risk management, and customer experience initiatives, businesses can ensure that their receivable management practices are in sync with their broader strategic goals. This holistic approach enables businesses to maximize the impact of their receivable management initiatives and drive long-term financial success.

Last year an employee of the company I work for signed us up for a year long Music Licence without anyone knowing about it as they were the Finance manager at the time. They have since left and this music licence has renewed automatically. As soon as we got the invoice through in January we disputed it straight away claiming that we do not require a music licence. They have dug their heals in and told us they require 30 days notice prior to renewal to cancel our licence and refuse to do so otherwise. There has been a lot of back and forth about this but they are not being helpful at all and are determined to get this money out of us despite us not even needing a music licence!
Is there any recourse here? We never received any emails to state we had a notice period, or even had a music licence to be aware of! I can understand this is poor internal communication but they will not do anything for us and this silent treatment until it's time to pay up feels very predatory.

I have not heard from “my bestie” for over a month since her bachelorette party. We have known each other for 7 years, and since 2022, I have expressed to her how alone I feel and how depressed I am. I've shared with her that I feel I have no support system. Recently, before the bachelorette, I even told her that I started therapy and began my regimen of antidepressants, which has helped me immensely from my previous super depressive thoughts. She is the only who knows how bad my depression was besides her.I want to talk about how the Bachelorette went, how I did not enjoy myself, and a bit of background before the Bachelorette weekend. For the sake of confidentiality, I will name the bride-to-be “B”. We went to university in London in 2016 and even ended up living together in 2018. We were super close, and honestly, she was my best friend. At first, I thought we were having fun, but I felt out of place. To reiterate how much effort I put into making sure I made it to the bachelorette, I am in law school, and I had to study two weeks' worth of law school material—torts and public policy disputes. I crammed it all into one week. Not to mention, I also had a group project, so I had sleepless nights, staying up until 3/4 in the morning to ensure I did not have to study during the trip. During the trip, I even had to log into class one day and talk to my group partners to work on part of the group project
A bit of personal backstory: My parents are Cuban, my grandparents are Spanish, and I have Spanish cousins living in Spain. I've been to Spain plenty of times to know the country well, and when I go there, it feels like home to me. Coming from a Cuban/Spanish culture, in Latino cultures, we naturally speak to each other in Spanish, and when we have parties, everyone dances and has fun—that's what I'm used to when I visit Spain.
Bachelorette Comment:
Going back to the bachelorette in March, I arrived thinking we would have a good time. However, during one of the nights, one of B's friends, who is from London (Let's call her Z), made a pretty racist comment. When I relayed this to my sister and another friend who is also Latina, they confirmed it was racist and not okay for someone to say. Because we were in Spain, I spoke Spanish during the trip, which is natural for me. We were playing one of those bachelorette games, and at least in my experience with bachelorette parties, you tell people, "Yeah, we're doing the bachelorette party, this is the person who's getting married," and then get them a drink or whatever. It's supposed to be festive and loud. We did like a bingo dare game, and to prove that we did it, we would have to take a picture with the person or a video. After one of the nights, the task was to dance with a stranger, and in Spanish, I was saying to a married couple, "Is it okay if I dance with you because we're doing a bachelorette game, and I need to take a picture to prove that I did?" I communicated with Spanish people in Spanish because that's natural in my culture.
On the Uber ride back, this girl "Z" said that I needed to stop speaking in Spanish and stop speaking to strangers in Spanish for our safety because she didn't understand what I was saying. She insisted I stop telling people in Spanish that we were celebrating the bachelorette because she didn't feel safe. Additionally, she and others in the group told me I needed to sound like a tourist and not like a local because they wanted to get into clubs without paying cover charges. I explained that we were playing a game, and that's how people knew why we were taking pictures of them. It is rude to take pics of strangers without them knowing why. She said not to explain to them, especially because we were in Madrid and I should speak only in English. I defended myself, pointing out that we made friends with some Italians on the first night because I spoke fluent Italian. She responded that the Italians were different from the Spanish people, which I didn't understand because it's essentially the same thing.
I looked around, and no one defended me. Because of this, I felt so uncomfortable from the conversation that I closed up internally, wondering what I was doing wrong. Was I ruining the trip? I didn't know, but I've felt more isolated from the group since this incident. During the whole trip, I had to be careful about speaking Spanish in Spain, where I always speak Spanish unless someone speaks English. These girls all spoke English, and most spoke more than one language, but I was the only one fluent in English, Spanish, and Italian, so I could communicate with almost anyone in Madrid.
The next day, we went into a club that we had tried to get into the day before and only succeeded this time because I finally gave in and spoke to the bouncer in Spanish; I got looks for speaking Spanish. In this instance, I sincerely spoke with the bouncer, explaining that Madrid is special to my friend B, who is getting married, and we are simply celebrating her upcoming wedding. He let us in for free when he previously charged the group an expensive cover fee.
Food incidents:
When we started the trip, I was looking forward to enjoying Spanish (Galician) cuisine, which is a big part of my cultural background and a source of personal joy. Initially, the group wanted to try Spanish food and indulge in local gastronomy, so I felt confident knowing exactly what they would love and where to eat. I even asked if it was okay if I ordered pulpo (octopus) since it was B’s bachelorette trip, wanting to make sure it was in line with her preferences. However, as the trip progressed, the group mainly wanted to eat burgers and fries, and the only Spanish items they seemed interested in were Manchego cheese. We were in a town that was the perfect opportunity to try local Spanish food. I suggested ordering a paella for the group, to which they agreed, alongside their orders of steak and fries. However, when the paella arrived, they indicated it was for me to eat, and they all continued eating their dishes. I had only a few fries then because the paella took longer to prepare and was delicious, but it was not meant to be eaten by one person alone.
There was another incident on the first day out. I'm familiar with Spanish tortillas, which are like a version of an egg frittata cooked with potatoes, then flipped from the pan onto a plate. They're meant to be shared. We sat in a restaurant where the waiter spoke no English, so I ordered in Spanish for everyone. I suggested that every two people share one tortilla because they would be large and too much for one person to handle. This suggestion was met with some frustration from the girls (Z & B), who insisted they knew what a Spanish tortilla was like, claiming it was small. I explained that might be the case in London, but here in Spain, they are substantial and take a while to cook because it’s meant to be fresh and huge. True to my words, we waited an hour for our food, which is expected for fresh, well-prepared tortillas. They expressed frustration with the wait, questioning why it took so long. Lo and behold, when the tortillas finally arrived, they were too large for one person, just as I had described.
A bit of pre-bachelorette drama backstory:
B is the bachelorette, and when she got engaged, it was expected and not a surprise at all. We had a group chat about it happening, and she called when it happened. Even though she expected it, it still felt surreal to her, and she knew the location where it was happening. Mind you, she was flown halfway across the world to be proposed to, so it was obvious for about a month that it was happening.
Months before the engagement, I had planned my birthday in Portugal, and she said she would be there. She was to fly there and everything. After being engaged, I still stuck to that same story. However, when it came down to it, she said she could not make it. I had told her I felt like she just led me to believe she would be there. The engagement was not an excuse because we knew it was happening well over a month ago—about two months, to be precise—and it was confirmed because she saw the ring order invoice. Then, the guy booked the vacation a few weeks ago, and before that, she said that she expected the festivities would start after they got engaged. Even with all that, I asked if she thought she would make it, and she said yes. Mind you, I kept asking her every month and then every other week as it got closer if she was coming, and we picked out hotel rooms. Yet, at the very last minute, she said she would not be there because she just got engaged and was busy... and mind you, the week before, she said she was looking into flights, which is why I said I felt like she led me on. She should have told me from the moment she knew she would not be there, or even suspected that she would not be there, instead of saying the complete opposite. I think she just knew she would never go, which is why I was so hurt; she lied to me. This is where she started not reaching out to me as frequently as before. Before, I would hear from her almost every day, and after this, it went down to once a week. But now, after the bachelorette, I have not heard from her for over a month.
I made an effort to head to London and made an effort to see her for a bit. I only had a good chance to talk to her last summer when she came to see me. So, I stood my ground and spoke my truth, whether she liked it or not (and she did not like it). This conversation lasted about two days. I was crying so much because, supposedly, this was my best friend, and she said she would be there for me, and lately, it felt as if she had not. I told her everything and how much she hurt me by leading me on. I don’t think she should keep doing that because friends don’t. I do not want her to invite me to her wedding out of pity or to be polite, and that she should have the people she wants at her wedding. It's okay if we are growing apart because we live in different countries, and I do not expect us to be as close as before. It is completely fine if she has found new people she is close with. She assured me we were still friends and wanted me at the wedding. I even helped with the rehearsal dinner planning and whatnot.
Since the incident on my birthday, she stopped liking my Instagram posts and sometimes blocked me from her Instagram stories. Honestly, I have no idea why. Additionally, she is having two weddings. When she visited me last summer, she assured me she wanted me at her wedding and kept insisting the first one was the most important and the one where everyone was going, while the second was just for family and cousins. I asked to know if I should get a lengha and the dress code for both weddings (if she wanted me to go). She insisted that none of her friends were going to the second one. However, the day after the racist comment in Spain, the other girls were talking about the second wedding and where they were getting their lenghas, talking as if I knew everyone was going. I felt so out of the loop and even more isolated.
Post Bachelorette:
Also, B mentioned that we were staying with her at the bridal suite. I said, just in case, I booked a hotel, and if the other girls needed a place, they could just split the room with me. Then, B said she would be in her room alone, which I thought was fine since it was her day and she should be comfortable. When I reached out to who I am assuming is the maid of honor, she said that she needed to be with the bride to help with the wedding, so I am guessing she is the only one staying with the bride, but honestly, I don’t care at this point because the hotel was paid for. I offered to help because she was stressing about not having money to book a hotel, which is why I offered in the first place.
I've always made it a point to check in on how she is doing. In my last message to her, she mentioned she was in prayers, so I asked how that was going, but since then, she has not reached out to me and left me on read. I'd also like to note that I was supposedly a bridesmaid. Recently, she posted a "bridesmaids brunch," which included all the girls from the Spain trip. She tagged them all under "bridesmaids" and tagged "here in spirit" with the other two girls who did not make it to the Spain trip but completely left me out.
Given that I have not heard from her, she does not know that I have secured a legal fellowship in Spain. I do not think I make it to the rehearsal dinner, if I go it would be cutting it close and I would be very late. I finish work too close to when the last train leaves, but I can make it to the wedding. I'm beginning to feel that I shouldn’t even try to attend the rehearsal dinner.
AITA for missing the rehearsal dinner?

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1. Team of U.S. Academic Experts: I and my team of dedicated academic experts complete all types of academic coursework for students in most math, English, science, business, humanities, social Sciences, computer programming, and foreign language classes on a 24/7/365 full-time round-the-clock basis. This is not some part-time gig for me. It’s literally my primary source of income. I can regularly make myself available to help students with last-minute & same-day academic requests.
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• Exams & Quizzes: Final rates for exams and quizzes depend on various factors including: whether or not there is proctoring, how many hours the exam is, total number of questions including sub-parts, preferred method of me delivering solutions, whether it's show all work or just the answer only, and whether the assessment has a flexible window of time to complete or a fixed & rigid start and end time.
• Full Courses: Final rates for full class help depend all the foregoing plus: total number of hw, quizzes, exams, discussion posts, and other academic tasks left that need to be completed, total number of weeks or modules left in the class to complete, and whether there is required multi factor authentication for logging in like Duo Push or text passcode.
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I ordered a 32oz bottle of Fiebing's leather dye on amazon for $45 CAD plus shipping/handling so total was about $63. I'm in Canada and seller is in the USA.
Today UPS came by and said they'd have to deliver the package on Monday, but they handed me a C.O.D. invoice that says I owe $48 to get the package!
Not sure if I should pay and dispute the package, or refuse it. But I worry that may cause even more charges.
There is nothing in the listing or at any point in ordering specifying the C.O.D. charges and I'm surprised they are MORE than the dye in itself.
Anyone experience this before, and what recourse do I have here?

FedEx charged me for duties/taxes that were due to a mistake on their end. The shipper and I both made it clear to them that since it was a free repair under warranty, no duties/taxes were applicable. But when FedEx filled out the customs form, they did so incorrectly which caused duties/taxes to have to be paid and they then invoiced me for it. I disputed this with them but they ignored me each time and ended up sending me to collections. The amount is approximately $500.
What can I do at this point? Should I still try to dispute with FedEx or dispute with the collections agency? Per the Ontario website, I can tell the collection agency I am disputing the debt and suggest they take it to court to get them to stop contacting me. Would they even bother taking me to small claims over $500?
Since it's already with collections, does it automatically end up on my credit report? Anyone know how much of an impact this would actually have on my credit score? My concern is getting new credit cards and also renewing my mortgage in a couple years.
I could also just pay the $500 and then try to get a refund for it through the border services just to make it go away and hopefully not have it impact my credit report. However, If it's going to automatically hit my credit score then I don't see a point in paying it off. I would just let it go for 6 years until it falls off.
Any advice would be appreciated, this is my first time dealing with something like this.

[Reposting without identifying information at mod request]
The shipping company charged me for duties/taxes that were due to a mistake on their end. The shipper and I both made it clear to them that since it was a free repair under warranty, no duties/taxes were applicable. But when the shipping company filled out the customs form, they did so incorrectly which caused tax to have to be paid. The shiping company then paid the duties/tax and invoiced me for it. I disputed this with them but they ignored me each time and ended up sending me to collections. The amount is approximately $500.
What can I do at this point? Should I still try to dispute with the shipper or dispute with the collections agency? Per the Ontario website, I can tell the collection agency I am disputing the debt and suggest they take it to court to get them to stop contacting me. Would they even bother taking me to small claims over $500?
Since it's already with collections, does it automatically end up on my credit report? Anyone know how much of an impact this would actually have on my credit score? My concern is getting new credit cards and also renewing my mortgage in a couple years.
I could also just pay the $500 and then try to get a refund for it through the border services just to make it go away and hopefully not have it impact my credit report. However, If it's going to automatically hit my credit score then I don't see a point in paying it off. I would just let it go for 6 years until it falls off.
Any advice would be appreciated, this is my first time dealing with something like this.


FINANCIALS

Period: Q1/2024
Filling Date: 2024-05-10
REVENUE:
Revenue: $1.13B
Gross Profit: $396.48M (35.05%)
Result: $159.99M (ebitda)
EPS: $0.650
Outstanding Shares: 180.42M
BALANCE:
Cash: 478.40M
Debt: 1.52B
FINANCIAL EVALUATION/SCORE:
Financial Score - Altman: 3.31
Financial Score - Piotroski: 7.00
Genpact Ltd's price movement correlates with the following stocks:
Ticker Correlation --- --- DRIP 0.935 ERY 0.931 OILD 0.928 DUG 0.926 GLL 0.923 ZSL 0.912 ZIP 0.91 DZZ 0.904 FRC-PK 0.898 FRC-PM 0.898
Summary Of Last Earnings call:
Genpact Limited had a strong start to the year in Q1 2024, with total revenues of $1.13 billion, up 4% year-over-year. This outperformance was driven by early signs of improving execution and better-than-expected performance in digital operations and Data-Tech-AI. Genpact's 3+1 Execution Framework, consisting of client-facing initiatives, partnerships, Data-Tech-AI, and simplification, is driving promising results.
Partnerships with technology companies like AWS, Salesforce, and Microsoft have strengthened, and there is a focus on integrating gen AI into core business processes. Client engagement in gen AI is increasing, leading to improved revenues and bookings. Genpact's focus on simplification, particularly in sales and go-to-market leadership structure, is also yielding positive results. The company is establishing itself as a leader in AI-led transformation through its Client Zero initiative.
Regarding the financial performance, gross margin was at 35%, up 100 basis points year-over-year, while adjusted operating income margin was 16.1%. Genpact has increased its full-year revenue guidance by 50 basis points to 2.5% to 3.5%, reflecting early signs of improved execution. The company is optimistic about driving future growth through investments in partnerships and gen AI.
In terms of non-GAAP financial measures, Genpact is focusing on decoupling revenue from FTE as it shifts towards outcome-based pricing. The company is seeing positive responses from clients regarding new business opportunities, driven by increased agility and proactive engagement with technology partners. The macroeconomic environment remains unchanged, leading to a prudent approach in the company's guidance for the year. Overall, Genpact is on track to reach its full potential with the 3+1 Execution Framework and a focus on innovation and client satisfaction.
Company Description:
Genpact Limited provides business process outsourcing and information technology (IT) services in India, rest of Asia, North and Latin America, and Europe. It operates through three segments: Banking, Capital Markets and Insurance; Consumer Goods, Retail, Life Sciences and Healthcare; and High Tech, Manufacturing and Services. The company offers CFO advisory services; and environmental, social, and governance (ESG) services, such as data management, carbon accounting, human rights assessment, sustainability diligence, and ESG reporting. It also provides finance and accounting services, which include accounts payable, such as document management, invoice processing, approval and resolution management, and travel and expense processing; invoice-to-cash services, including customer master data management, credit and contract management, fulfillment, billing, collections, and dispute management services; record to report services comprising accounting, treasury, tax, product cost accounting, and closing and reporting services; financial planning and analysis consisting of budgeting, forecasting, and business performance reporting; and enterprise risk and compliance services, including operational risks and controls. In addition, the company provides supply chain advisory services, and after-sales services; sourcing and procurement services comprising direct and indirect strategic sourcing, category management, spend analytics, procurement operation, and master data management; and sales and commercial services, including campaign, order, and dispute management, lead generation, pricing, and promotion optimization. Further, it offers IT services, which comprise end-user computing support, infrastructure management, application production support, and database management services; and transformation services that include digital solutions, consulting services, and analytics services and solutions. The company was founded in 1997 and is based in Hamilton, Bermuda.
Full fundamentals fundamentals for G here.

Hi All,
I received a Debt collection letter from a Collection Company in England stating that I owe their client over £13K. The client in discussion is a company I bought perishable seasonal fruit from to turn some cash around seeing there is a huge demand in the season.
I was going over to London to purchase the fruit twice a week until the supplier offered that he is trying to get me a shipment directly to the airport near me in Scotland. This was an ideal situation for me as I'd eventually be saving all the travelling time to London and the money of course.
In between this time (couple of days) that he was collecting the information from me relating to the shipment, I had demand for the items which supplier was aware of. Supplier confirmed that I will be receiving a shipment at my airport in the coming week. Then I got a call (I think) day before the shipment was due to arrive from the supplier stating that they messed something with their freight agent and the shipment is arriving in London to which I told him that neither have I got a driver with a big Van to drive to London so if possible, the next shipment which is due in two days to be directed to Scotland because I was already running out of previous stock. We agreed on this.
Suddenly, I received the phone call from the supplier stating that he is aware how important it is for me to restock. As this was all his fault, he has asked his business partner to drive his Van up to Scotland with 1800KG of the perishable items (boxed in 1.8 - 3.5kg individual boxes). I was reluctant to this as my gut didn't feel right about this but he convinced me saying its still another 3 days before I can have a next shipment.
Supplier's partner arrived mid day in scorching sun with 970 boxes shoved in a small Transit Van. He collected a sum of a £1k and I advise that I will transfer the rest of the invoice in a couple of days. He was really adamant for me to transfer some more money as this was not what he expected. I told them about the situation that there was still cash to be collected from the buyers and this was just very unexpected.
Now, I had 2 workers on cash in hand contract who will go to the shops to fulfil the orders. On the same day, my phone started going mad with all the buyers calling one after another stating that all the fruits were not edible as it had expired. I reported this to the supplier by phone and by text messages straight away which they kept saying was not possible and took little responsibility. I kept sending them pictures and videos of the bad fruit which was getting sent to me by the buyers.
We still had about 500 boxes in the stock which we stopped moving. Supplier kept telling me by phone and text to get rid of those by selling them cheap but this was not possible as they had burnt beyond recovery.
Original shipment which was intent for me was arriving at the airport next day. This was very nerve wrecking for me as i had a pile of unsold stock and this was just getting worse and worse. I received the shipment from the airport and had promised all the buyers from previous batch that I will replace what was bad at no charge to them as it was not their fault. Now by this time, I called my supplier and told him clearly that this was all a big mistake as I have been wasting money on the labour replacing the stock and of course buyers trust in me is getting broken.I clearly told them I am not paying anything for the stock that they brought from London and I will replace the quantity with the new shipment. They were not happy with this and kept telling me that I owe them a total of +£9K for the 2 invoices. I kept disputing it and demanded that I be given an appropriate solution as this mistake of theirs cost me a fortune and broken trust of people.
I had not communication from them for 3-4 months and now suddenly I received this email from a debt collection agency with added interest and charges for the debt collectors piling it up to over £13K or they will take me to court.
Please advise what are my best options in this matter?
Many thanks

Cross-posted from official sub. WHAT HAPPENED

• In July/August of 2022 we paused internet service at our home because we were selling our home and moving interstate.
• The home was sold in August/September, and the new home was purchased in December of the same year.
• Obviously, we started service at our new address, with Xfinity, in December when we bought our new home.
• Somehow, this triggered the original service to start again (I think the pause had a time limit), and between our new service, the pause fee, and our Xfinity Mobile fee I guess we didn't notice the additional bill.
• I believe it was in September of 2023 that my wife noticed the bill, and dug into it. Basically, Xfinity had been charging us the full rate for the service at our old address for over a year.

CUSTOMER SERVICE

• My wife called Xfinity, partially thinking they'd turn this around on us and tell us that it was our fault we didn't "notice" any earlier. However, they assumed fault and promised a refund of $840, and that we'd get this within 5-7 business days.
• That... Didn't happen, so my wife called again asking for an update, and they told her the same thing.
• That also didn't happen, so she called again and asked for a manager, they refused, but did inform her that we still had the router in our possession and that we needed to return it to be eligible for the refund.
• It did take a couple of weeks (the Store is out of the way) but we returned it, and received a $20 refund. Thanks, Xfinity.
• We waited another 1-2 weeks, no other refund. So my wife called again, telling them we returned the device, and that we were promised a refund. They told her that she'd have that $840 coming in 5-7 business "no problem." It never came...
• I then call Xfinity and ask them what's up, give them the run down, and ask to speak to their manager. They tell me that indeed we are in line for the refund, but that it's waiting on the "backend team" for approval. That they've updated the case, and that we should see the refund in 5-7 business days. That also didn't happen. (BTW Xfinity, if you're reading this, this is line customers cross to where they kind of lose it)
• I called Xfinity back in a rage, I held the chat rep on the line while calling another rep, at which point my internet connection reset, which never happens, losing my connection to the chat rep, which didn't really help the situation between me and the phone rep. The phone rep, who was from the "loyalty team" promised after looking into it that he'd expedite the refund of $840, and that within the HALF HOUR (really?) I'd get an email from the backend team confirming the authorization of the refund, and should get the refund within 24 HOURS. Which didn't happen. Nice de-escalation skills Xfinity, lying doesn't help anyone.
• After that, I called back in exhaustion, got to the loyalty team, and told them the story, and that because they've promised the refund, that I am still coming back to confirm it. This rep was really helpful, I believe SHE did what she could. She laid out the fact that the two different accounts are confusing, and that the ticket number they were now working on included no info on the original request, and that the backend team had nothing to do with it.

She then went through the whole case over with me, went through our account month by month, and calculated a new refund amount of $930.52 for ticket ECM0004566805.
After which, she said that she reopened that original ticket, notetaking what her and I talked about, and directly emailed her manager for approval on this. She said this would be approved within a few days, but that the refund may not come for another 30 days. That, also never happened.
THE STORE
As a result, we're starting to give up on our stupid $1000. I thought as a last-ditch effort I'd see what the Xfinity store could offer. When I went there the guy basically said that he 1. Can't see the ticket number above, with all the details, because it refers to an address that's out of state. 2. He can't issue refunds that don't directly involve that particular store. But he gave me Xfinity's "corporate" number, which I haven't called, but I assume that's going to take me back to square 1.
MY TAKE
I think Xfinity's confused because of the variables at play here: Different addresses, case numbers, the service pause, the returned equipment at the out-of-state store, the huge refund amount, and no one wants to take ownership of the case, and just move to the next call.
WHY I CAME TO REDDIT
As I mentioned, I've almost given up here. After this post, I may call that number, but beyond that, I've heard you can't do arbitration with Xfinity. I've tried disputing the charges with my bank, but they said they don't dispute charges older than 6 months... Short of sending Comcast AP an invoice, I'm at a loss. Any ideas?

The story is as follows:
WHAT HAPPENED

• In July/August of 2022 we paused internet service at our home because we were selling our home and moving interstate.
  
• The home was sold in August/September, and the new home was purchased in December of the same year.
  
• Obviously, we started service at our new address, with Xfinity, in December when we bought our new home.
  
• Somehow, this triggered the original service to start again (I think the pause had a time limit), and between our new service, the pause fee, and our Xfinity Mobile fee I guess we didn't notice the additional bill.
  
• I believe it was in September of 2023 that my wife noticed the bill, and dug into it. Basically, Xfinity had been charging us the full rate for the service at our old address for over a year.
  

CUSTOMER SERVICE

• My wife called Xfinity, partially thinking they'd turn this around on us and tell us that it was our fault we didn't "notice" any earlier. However, they assumed fault and promised a refund of $840, and that we'd get this within 5-7 business days.
  
• That... Didn't happen, so my wife called again asking for an update, and they told her the same thing.
  
• That also didn't happen, so she called again and asked for a manager, they refused, but did inform her that we still had the router in our possession and that we needed to return it to be eligible for the refund.
  
• It did take a couple of weeks (the Store is out of the way) but we returned it, and received a $20 refund. Thanks, Xfinity.
  
• We waited another 1-2 weeks, no other refund. So my wife called again, telling them we returned the device, and that we were promised a refund. They told her that she'd have that $840 coming in 5-7 business "no problem." It never came...
  
• I then call Xfinity and ask them what's up, give them the run down, and ask to speak to their manager. They tell me that indeed we are in line for the refund, but that it's waiting on the "backend team" for approval. That they've updated the case, and that we should see the refund in 5-7 business days. That also didn't happen. (BTW Xfinity, if you're reading this, this is line customers cross to where they kind of lose it)
  
• I called Xfinity back in a rage, I held the chat rep on the line while calling another rep, at which point my internet connection reset, which never happens, losing my connection to the chat rep, which didn't really help the situation between me and the phone rep. The phone rep, who was from the "loyalty team" promised after looking into it that he'd expedite the refund of $840, and that within the HALF HOUR (really?) I'd get an email from the backend team confirming the authorization of the refund, and should get the refund within 24 HOURS. Which didn't happen. Nice de-escalation skills Xfinity, lying doesn't help anyone.
  
• After that, I called back in exhaustion, got to the loyalty team, and told them the story, and that because they've promised the refund, that I am still coming back to confirm it. This rep was really helpful, I believe SHE did what she could. She laid out the fact that the two different accounts are confusing, and that the ticket number they were now working on included no info on the original request, and that the backend team had nothing to do with it.
  

She then went through the whole case over with me, went through our account month by month, and calculated a new refund amount of $930.52 for ticket ECM0004566805.
After which, she said that she reopened that original ticket, notetaking what her and I talked about, and directly emailed her manager for approval on this. She said this would be approved within a few days, but that the refund may not come for another 30 days. That, also never happened.
THE STORE
As a result, we're starting to give up on our stupid $1000. I thought as a last-ditch effort I'd see what the Xfinity store could offer. When I went there the guy basically said that he 1. Can't see the ticket number above, with all the details, because it refers to an address that's out of state. 2. He can't issue refunds that don't directly involve that particular store. But he gave me Xfinity's "corporate" number, which I haven't called, but I assume that's going to take me back to square 1.
MY TAKE
I think Xfinity's confused because of the variables at play here: Different addresses, case numbers, the service pause, the returned equipment at the out-of-state store, the huge refund amount, and no one wants to take ownership of the case, and just move to the next call.
WHY I CAME TO REDDIT
As I mentioned, I've almost given up here. After this post, I may call that number, but beyond that, I've heard you can't do arbitration with Xfinity. I've tried disputing the charges with my bank, but they said they don't dispute charges older than 6 months... Short of sending Comcast AP an invoice, I'm at a loss. Any ideas?

Hello,
Posted earlier regarding the dispute with RE. Summary: End of lease (1 year), agent highlighted the following issues:

1. Outdoor fridge (small size) not cleaned of mould : My answer was ingoing report shows mould in the fridge. Agent said there is more mould than the ingoing report. Sent their cleaners the following day without letting me clean it to their standards. Photo attached in the following post
   
2. Patio (deck): Had scratch marks that needed sanding and repolish. Ingoing report: no photo provided by agent, I provided the photo which shows the flower pot sitting on that area of deck left by previous tenant. Solution: I met agent at property, told her I will fix it. Fixed the next day took photos and sent back. Agent somewhat agreed its ok (photo attached). Invoice sent by agent = $700 to fix before I did it. Photo attached in the next post
   
3. Kitchen and bathroom cleaning : Agent said overall needs cleaning as its not upto standards. I sent photo from ingoing report showing mould growing inside dishwasher side rails and oil marks on stove + exhaust and stain marks on kitchen window. Agent insists to recover cleaning fee. I met her on premise and she wasnt able to provide me evidence she already had the cleaners cleaned it in the morning. Agent claims that ingoing time they cleaned the kitchen professionally so they will provide it as proof. I provided them proof that it wasnt cleaned professionally as mould and oil marks everywhere in the photos attached in next post. Bathroom light was not cleaned. I went back to property and cleaned it but agent claiming fee as said their cleaners already cleaned it. No quote provided for cleaning fees.
   
4. Front door flyscreen autoclose: Agent said its not working as its hanging out. I said its working and I can demonstrate it. Met agent and fixed the screw. Took video of it working fine and shared with agent.
   
5. Outdoor storage shed wall had a bump in it. My response: Owner left his garden and other items left inside shed. Of those items one of them hit the wall and created that bump. Fixed it by tightening the screw on the panel and pushing it back into its place. Quote sent by agent for $700 before I fixed and sent the photo. Photo attached
   

Going for hearing on Tuesday. Photo evidence uploaded on NCAT registry account with evidence of email communication. Are there any recommendations by anyone?

Attached photo as example. Notice the matrix grid with divisions of size and color of each product. We have an appparel wholesale business and using an ancient MS DOS based system. Looking to upgrade to a more modern solution.

The key elements of the task were:

• Obtain promises to pay/collect cash from the customers
• Identify queries or disputes that were preventing customer from paying
• Update customer contact details to ensure efficient collection and invoicing where these appear to be out of date
• Capture sufficient notes of customer conversations within their financial systems to ensure that a clear record was maintained of the contact (e.g. who, when and how) and any follow up action

• X was responsible for collecting outstanding receivables when her predecessor rotated off the engagement.
• X’s role included telephoning customers and maintaining email communication with customers and other internal stakeholders.

Customer calling

• In relation to the softer skills of customer calling, X struggled at first. Whilst training was provided across a 3 day period, including practice calls, X was looking for a strict script that could be applied like a flow chart. Unfortunately, customer calls often didn’t follow a rigid approach. It took X some time to move away from this approach and after a while calls were less clunky and X was able to adapt her approach accordingly. Towards the end of her time on the engagement, I felt whilst the calls were sometimes very direct, they were handled well even where some of the customers voiced frustrations regarding the quality of customer service provided by our client. X’s confidence grew as call volumes increased and as a result the directness/adaptability of his customer interactions improved
• In relation to the training, X voiced concerns that she felt the training was rushed at times. Should this happen again, I would encourage Evelyn to call this out at the time to ensure sufficient focus can be given to her concerns. In addition, where further training is offered or suggested, X should not consider this to be a criticism but look at it as an opportunity to improve. An example of this is when I suggested X speak to the team leader about specific training on some of the client systems. Whilst X responded that she felt she was somewhat of an expert now, this quickly unravelled when asked to demonstrate how updates were made in the system

Call targets and reporting

• We had a broad target of 25 customer calls per day (along with dealing with email queries). On the whole, X was slightly short of this number on most days
• In relation to cash targets, X performed well against her target for April and in particular she had one notable promise to pay that was over £100k
• The quality of X's contact notes improved during the engagement. There was normally a lot of detail about who and how she contacted the clients and the nature of the issue. In some instances, where Evelyn was proactively contacting Access employees she could have spent a little more time explaining the issue to the employee and how they could support the resolution (being clearer on what you wanted them to do)
• In relation to daily reporting of her call stats, X created a significant amount of work for other people by not following the prescribed approach and changing the format of reporting. Despite providing X with an Excel template used by other team members this was not always used. X would provide the information in a variety of formats, including pictures of her call spreadsheet to the team leader which required further interpretation. In addition, the summary call stats often required correction when reconciling to the detailed call sheet submitted later. X should check the accuracy of her work before submission as this often led to errors when reporting call stats to the client

Diary management and use of other peoples’ time

• During the engagement, the team leader arranged calls with X at specified times to discuss issues. X failed to join these calls and it required/ wasted further time from the team leader to rearrange the calls
• In addition, where X had a query or issue, she would often call out and expect other people to drop everything to deal with her query regardless of what they were doing. Where support was not forthcoming, Evelyn would resort to multiple methods of communication over a short time period in order to get an answer. X needs to be more respectful of other people’s time and look to save up queries so that they can be discussed at a convenient point.

Exercising judgement

• X appears to operate with the view that unless she has been told not to do something explicitly, it is perfectly reasonable for her to do it. In addition, where X has been told to consult with people if she is not sure about what to do, this is only relevant to that learning point and is not something she applies broadly to other matters. Whilst I am pleased Evelyn has acknowledged this learning point in her feedback, it is important that she puts practical steps in place to ensure this happens. A considerable amount of time during this engagement was spent trying to understand and correct decisions Evelyn made. The following are examples:
  
• Raising cases in client's database
  
  • For certain categories of queries identified by the team, the client required us to raise a ticket in one of their systems so that the appropriate workflow could be started. X undertook some of this work at the weekend to ensure it was finished prior to her handover. Whilst this is to be commended, the interpretation of her notes to select the appropriate query type was not always correct. This required a significant amount of time to be spent reviewing and correcting her work after she left the project. It would have been much better for X to undertake this work in the presence of other team members to ensure her judgement/interpretation was sensible. In some instances, X chose the customer cancellation process despite the notes not suggesting the customer wanted to cancel the contract

• Discussion with CFO
  • Whilst the Group CFO was onsite, X thought it was appropriate to ask him about whether he was planning to renew our engagement for a further phase. This was despite having no knowledge of the current situation or having been involved in any of the previous discussions

• Handover to new team member
  • As X rolled off the project to be replaced, in preparing the client laptop for handover, X deleted both the collector contact spreadsheet that was a record of every customer contact within the division and every underlying email that had sent to a customer by her and her predecessor (and their responses) in relation to payment and query discussions. In asking X why she did this, I was told that no one had told her not do. Fortunately, the information could be retrieved but had we not been able to we would have lost engagement information as well as our client not being able to understand what communication and responses had been sent by their customers

• Understanding the impact of your work
  • During one weekend, X made a number of changes to her collector spreadsheet after reviewing her call notes (i.e. changing the status of a customer). Unfortunately, X did not then make the mirror changes in the client’s ERP system meaning that our reporting of issues, promises to pay obtained etc did not reconcile to the client’s. This required further work by me and one other team member to reconcile movements between the collector contact sheet as at the close of Friday to the current one as X was unable to undertake the analysis

• Forwarding internal email chains to the client’s customer
  • During a conversation with a client customer, X had to contact some client employees in order to get an understanding of certain invoice charges the client did not recognise. The email chain with the client employees highlighted that the business was struggling to identify/ could not explain all of the product charges. X forwarded this email chain to the client customer as well as cc’ing some of the client employees. As a result, the account manager complained about X;s email to one of our key stakeholders as this portrayed our client in a poor way to their customer

Analytical skills

• X need to develop her Excel and broader analytical skills. In particular, being able to compare datasets and link datasets together where there is a common identifier

In summary, whilst X achieved a good amount of customer payments, this should not detract from a number of development points. I would encourag to think about the following in the future:

• To seek guidance or consult regularly. It is important to develop judgement but it is better to test your thinking around a problem with a colleague before embarking on a course of action. This includes reviewing any communication that you are sending to clients/3^rd parties
• Be clear on what you are being asked to do and how people want you to do something. Do not deviate from this without consulting first
• Review written work to ensure it is clear for a 3^rd party
• Develop your analytical skills
• Look to set up regular catch ups with engagement managers to discuss progress etc

I hired a building contractor who went bankrupt in November. He provided me with a paid invoice for windows. The window supplier is now giving me the run around. Do I have any recourse against the window supplier directly, or can I only sue my builder with whom I had a contract?
I’m in Ontario and the amount paid to the window supplier is below the small claims threshold. The amount in dispute with the builder is over the threshold.
My concern is that if I sue the window supplier directly, he may lie, then my builder will produce the receipt and I’m stuck.

Rental property company, which I had nothing but problems with as a tenant, billed me $300 after moving out. They sent notification of this bill by mail. They gave me tracking information this morning when I asked, which shows the letter as still being in transit after 2 months, ie. was never delivered.
I terminated my lease early so I forfeited my security deposit, the $300 is for a cleaning fee, which is honestly reasonable and I'm not upset over that. I'm mad they sent me to collections without notice.

I got the collections notice this morning and paid it, I should have disputed it but its not enough money for me to really worry about my credit, and it was before I learned the notice of debt never got delivered.

Do I have a case in small claims? I want them to pay me just the $300 I was billed without notification. I think I have a pretty clear case, and it would cost me less than $100 to take them to court. I would mostly like to waste their time and resources even if I lose, but its likely they have council on retainer anyways.
I'm also considering just sending them an invoice and an explanation in the mail, the customer service team has assured me I wont be seeing any of that money back since I didn't dispute the collections.