Trading standards officers have had many complaints that some companies had engaged in aggressive - and sometimes dubious - selling techniques.
These included unsolicited phone calls and home visits, high-pressure selling techniques, disputes about cancellation rights, misleading claims and faulty or unsuitable equipment.
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FORBES: 10 Essential Selling Principles Most Salespeople Get Wrong
More often, cross-selling involves such primitive techniques as displaying insurance brochures in bank branches.
This was highlighted earlier in 2006, when the Sloan School of Management at the Massachusetts Institute of Technology announced that high-profile former General Electric CEO Jack Welch would teach students leadership techniques from his best-selling book, Winning.
We had mastered the new model for online selling, but had to work backwards and emulate the techniques of the veteran dealers to complete the picture.
Much of the increase in borrowing has been by people on lower incomes who would once have been denied unsecured credit, but can now get it because of the development of financing techniques that allow lenders to spread their risks by selling securitised bundles of loans in the financial markets.
Initially, it described collective investment vehicles, often organised as private partnerships, that specialised in combining two investment techniques, short sales (borrowing a security and selling it in the hope of being able to repurchase it more cheaply before repaying the lender) and leverage (buying securities with borrowed money) in a way that reduced risk.
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He assumes that the very act of exporting raises the productivity of firms, because selling on world markets forces companies to raise their game while exposing them to new ideas and techniques.
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