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The Four Types of Complaining Customers (A Guide!)

four types of complaining customers

IN THIS ARTICLE

Complaints are arguably an inevitable part of running any business. At the crux of this universal truth is the basic principle that no company can perfectly meet the expectations and needs of every customer every time. The diversity of customer expectations, the complexity of products and services, and the unpredictable nature of human behaviour all contribute to this certainty.

While complaining customers are often viewed negatively, they provide valuable feedback critical to business improvement and innovation.

In a highly connected society, any form of complaint can quickly become damaging in reputation terms when customers share their negative opinions or experiences with the internet rather than directly with the business. This makes it imperative for businesses to take complaints seriously.

One way to take a more positive approach to handling customer complaints is to identify and understand the different types of complaining customers and respond to them with tailored strategies that can significantly enhance customer satisfaction and loyalty.

Businesses should embrace complaints as opportunities for growth and improvement, leveraging these interactions to build a better, more customer-focused enterprise. By doing so, they resolve individual issues and pave the way for long-term success and sustainability in today’s competitive marketplace.

 

Complaints are valuable feedback. 

 

Dealing with customer complaints demands businesses’ resources and skills, and this should be viewed not as a nuisance but as valuable insights into business areas that may require attention or improvement. Every complaint is a chance to refine products, services, and customer interactions. Businesses that adopt a proactive approach to handling complaints—seeing them as opportunities rather than setbacks—can drive continuous improvement, innovate more effectively, and stay ahead of competitors.

Encouraging open communication and making it easy for customers to provide feedback is also vital. Businesses can create stronger customer relationships by fostering an environment where complaints are welcomed and acted upon, increasing loyalty and satisfaction. This positive feedback loop improves the customer experience and contributes to a culture of excellence and accountability within the organisation.

They highlight areas of your service or product that may require attention or improvement, offering a direct line to understanding the customer experience from an external perspective. This feedback loop can drive businesses to adapt, evolve, and improve in a way that proactive customer satisfaction surveys and market research cannot consistently achieve.

 

Different types of complaints 

 

Understanding the different types of complaining customers is crucial for businesses aiming to address concerns effectively and enhance customer service. 

Identifying and understanding the different types of complaining customers—constructive Complainers, Angry Customers, Impatient Customers, Habitual Complainers, and Indirect Complainers—is crucial for any business aiming to excel in customer service and achieve long-term success. Each type of complainer presents unique challenges but also unique opportunities for growth and improvement. 

By recognising these distinctions, businesses can tailor their responses to match each group’s needs and expectations, transforming potentially harmful interactions into positive outcomes.

In addition, businesses can resolve individual issues more effectively by categorising complaining customers and identifying systemic problems that may be causing repeated complaints. This approach improves immediate customer service interaction and long-term customer satisfaction and loyalty. Businesses that excel in handling complaints can differentiate themselves in a competitive market, turning potentially harmful experiences into opportunities for improvement and positive engagement.

 

Section A: The Constructive Complainer

 

1. What makes a Constructive Complainer?

 

The “Constructive Complainer” represents a category of customers who, when they express dissatisfaction, do so to provide feedback that can help a business improve its products, services, or customer experience. Constructive complainers approach their grievances with a problem-solving mindset, unlike others who seek to vent frustration or gain attention. They are typically more interested in seeing a positive change than receiving compensation or special treatment.

This group is invaluable to businesses for several reasons. Firstly, their feedback is often specific, actionable, and offered in a spirit of goodwill. They highlight genuine issues or areas for improvement that, if addressed, can enhance the overall customer experience. Secondly, because their complaints are driven by a desire to see the business succeed, engaging with them effectively can turn a potentially harmful experience into an opportunity for building a stronger relationship. Recognising and appreciating the constructive complainer’s feedback resolves immediate concerns and demonstrates a company’s commitment to continuous improvement and customer satisfaction.

For businesses, understanding how to identify and respond to constructive complaints can lead to valuable insights that drive innovation, improve customer service protocols, and ultimately contribute to a more loyal customer base. By fostering an environment where constructive feedback is welcomed and acted upon, companies can create a culture of openness and continuous improvement that benefits both the business and its customers.

 

2. Examples of complaints by constructive critics 

 

Constructive complainers, or constructive critics, typically present their complaints and suggestions in a manner that is thoughtful and aimed at achieving a positive outcome. Here are some examples of how they might communicate their feedback:

 

a) Product Feedback via Email or Review

A customer purchases a new kitchen appliance and notices it works well but needs help to clean it. They might email customer service or leave an online review stating, “I’m pleased with how well the appliance works, but I’ve found it hard to clean. It would be great if future designs could include easier-to-clean surfaces. This change would make an excellent product even better.”

 

b) Service Feedback in Person

After dining at a restaurant, a customer who received exceptional food but slow service might speak to the manager before leaving. They could say, “The meal was fantastic, as always. I did notice that the service was a bit slower than usual tonight. I understand things can get busy, but perhaps additional staff during peak hours could help. I think it would enhance the dining experience for everyone.”

 

c) Usability Feedback through User Forums or Surveys

A software user finds a feature cumbersome and shares their thoughts on the company’s user forum or through a feedback survey. They might write, “I love using your software for my projects. However, I’ve found initiating [specific feature] to be a bit convoluted. It might be more user-friendly if there were a direct access button on the main toolbar. This adjustment could streamline workflows for many of us.”

 

d) Policy Feedback via Social Media or Letter

After experiencing a company’s return policy that seemed overly complicated, a customer might reach out via social media or a letter to suggest improvements. They could state, “I recently had to return an item, and while I appreciate the policy in place, the process was quite complex. Simplifying this could greatly enhance customer satisfaction. Perhaps a step-by-step guide or a more straightforward form could be provided to help customers navigate returns more easily.”

 

3. How to respond to a Constructive Complainer

 

Engaging positively with constructive complainers is essential for businesses leveraging customer feedback for improvement. Here are several strategies to effectively respond to and benefit from the insights provided by constructive complainers:

 

a) Acknowledge and Thank

Begin by acknowledging the feedback received and thanking the customer for their effort to help improve your product or service. A genuine expression of appreciation sets a positive tone for the interaction and demonstrates that you value customer input.

 

b) Assure and Act

Assure the customer that their feedback is taken seriously and inform them of any steps you plan to take or are considering to respond to their suggestions. If immediate action is not possible, explain why and what you plan to do in the future. Transparency builds trust.

 

c) Follow Up

If the feedback leads to a change or improvement, follow up with the customer to let them know their suggestion was implemented. This closes the loop and reinforces the value of their input, potentially turning them into loyal advocates for your brand.

 

d) Invite Further Engagement

Encourage constructive complainers to continue providing feedback in the future. You might offer them direct communication with your customer service team or invite them to join a customer advisory panel or beta testing group if applicable.

 

e) Highlight Changes Publicly

When customer feedback leads to significant improvements, consider highlighting these changes in your communications, such as newsletters, blog posts, or social media updates. This acknowledges the role of customer input in your business’s development and encourages others to share their constructive feedback.

 

f) Leverage for Training

Use constructive complainers’ feedback as a training tool for your staff. Real-life examples of customer concerns and suggestions can be valuable in training sessions, helping staff understand customer perspectives and how to address similar issues proactively.

 

g) Implement a Feedback Loop

Create a system for tracking and managing customer feedback to ensure that no valuable input is lost and that every piece of feedback is evaluated for potential action. This structured approach to feedback management can help your business continuously improve and adapt to customer needs.

 

Section B: The Aggrieved Customer

 

1. What makes an Aggrieved Customer?

 

The “Aggrieved Customer” refers to a complainer expressing dissatisfaction stemming from a specific negative experience with a product or service. Unlike the Constructive Complainer, whose feedback is primarily aimed at suggesting improvements without a direct impetus of a personal negative experience, the Aggrieved Customer’s feedback is rooted in a sense of injustice or disappointment due to their expectations not being met. This group of customers often seeks rectification or compensation for their grievances. Still, importantly, their feedback can also be a valuable resource for identifying and addressing systemic issues within a business.

So, while their primary goal may be to seek redress for their situation, their feedback can serve as valuable insights for businesses looking to improve their products, services, or customer support. Engaging with and addressing the concerns of aggrieved customers can help resolve immediate issues and contribute to long-term improvements and customer satisfaction.

Aggrieved Customers, by sharing their personal experiences of dissatisfaction, inadvertently offer businesses a critical lens through which to view and assess their operations, customer service, product quality, and more. When a company listens to and effectively addresses the concerns of aggrieved customers, it can rectify a wrong, potentially salvage a customer relationship and implement changes that could prevent similar incidents.

2. Examples of Complaints by Aggrieved Customers 

 

Aggrieved customers typically present their complaints focusing on the specific issue or disappointment they’ve encountered. Their communications are often charged with emotion, reflecting their frustration or dissatisfaction. Here are examples of how aggrieved critics might articulate their complaints and, at times, offer suggestions for improvement:

 

a) Product Quality Complaint via Email or Support Ticket

“I recently purchased one of your smartwatches, and within two weeks, the screen has stopped working. This is extremely disappointing for a product that’s supposed to be high quality. I expect a prompt replacement or refund. To prevent future issues, I suggest improving your quality control processes.”

 

b) Service Experience Feedback in a Review:

“My dining experience at your restaurant last night was underwhelming. Our server ignored us for 20 minutes before taking our order and then got my order wrong. Everyone can have an off day, but this level of service is unacceptable. Training staff to be more attentive could greatly enhance your service quality.”

 

c) Customer Support Interaction via Social Media:

“After several calls to your customer service regarding my billing issue, I still haven’t received a resolution. It’s frustrating that each representative gives me different information. Clear communication and better training for your team could significantly improve the customer experience.”

 

d) Product Usability Feedback during a Usability Test or Survey:

“I found the setup process for your software to be overly complicated and user-unfriendly. It took me hours to install and start using it, which was far from the seamless experience promised. Simplifying the setup process and providing clearer instructions could help new users.”

 

3. How to respond to Aggrieved Customers 

 

Engaging with aggrieved customers requires a delicate balance of empathy, acknowledgement, and action. These customers have experienced an actual or perceived failure in your product or service, and their feedback is often emotional. Here are strategies to effectively address their concerns:

 

a) Listen Empathetically

Listen without interruption, allowing the customer to express their frustration fully. This can help de-escalate the situation by making them feel heard and understood.

Use empathetic language to demonstrate that you understand how they feel. Phrases like “I can see why that would be frustrating” or “I understand why you’re upset” can go a long way.

 

b) Acknowledge the Issue

Acknowledge the customer’s feelings and the inconvenience they’ve experienced. A simple acknowledgement can sometimes be as powerful as a solution.

If the complaint is valid, take responsibility without deflecting or making excuses. Owning up to mistakes builds trust.

 

c) Take Corrective Action

If there’s a straightforward solution, offer it immediately. Quick action shows that you’re committed to resolving their issue.

If the resolution requires more time, explain the steps you will take to address the issue. Keeping the customer informed reduces frustration and builds confidence in the resolution process.

After implementing a solution, follow up with the customer to ensure their issue has been resolved satisfactorily. This follow-up can turn a negative experience into a positive one, potentially retaining a loyal customer.

 

d) Prevent Future Issues

Analyse the complaint to identify any underlying issues that need to be addressed to prevent similar problems in the future.

If the feedback highlights a systemic problem, take steps to rectify it. This might involve training staff, improving products, or updating policies.

 

e) Build a Positive Relationship

Express gratitude for bringing the issue to your attention. Feedback is valuable for continuous improvement.

Depending on the severity of the issue, consider offering compensation, such as a discount, refund, or free product, as a gesture of goodwill.

 

Section C: The Impatient Customer

 

1. What makes an Impatient Customer?

 

The “Impatient Customer” represents a category of consumers characterised by their demand for immediate resolution to their issues or inquiries. This group tends to have high expectations for quick service and minimal tolerance for delays or lengthy processes. Their impatience may stem from the fast-paced nature of today’s digital world, where instant gratification is often the norm, or from personal circumstances that heighten their sensitivity to time.

Impatient customers can be particularly challenging to manage because their primary concern is the speed of response and resolution rather than the intricacies of the solution itself. They are less likely to be interested in understanding the reasons for a delay or a complex process and more focused on how quickly their problem can be fixed or their need can be met.

Addressing impatient customers’ concerns effectively requires swift action and clear and proactive communication to manage their expectations. While they may not initially offer feedback to help a business improve, their interactions highlight the importance of efficiency and responsiveness in customer service. By learning from encounters with impatient customers, companies can identify opportunities to streamline their operations, enhance communication, and improve the overall customer experience, ultimately benefiting the company and its clientele.

 

2. Examples of complaints from impatient customers.

 

Impatient customers typically express their complaints with a sense of urgency and frustration over resolving their issues. Here are examples of how they might present their complaints and, occasionally, their suggestions for how a business could improve its response times:

 

a) Online Order Delay Complaint via Social Media or Email

“I ordered a gift from your website over a week ago, and it still hasn’t shipped. Your site promised delivery within three days. This is unacceptable. You need to expedite my order immediately or provide a clear explanation and a discount for the inconvenience.”

 

b) Customer Service Response Time Complaint over Phone or Chat

“I’ve been on hold for over 30 minutes just to speak with someone about my billing issue. It’s extremely frustrating. You should have more staff or a callback feature so customers aren’t wasting their time waiting.”

 

c) Technical Support Urgency via Support Ticket

“My business relies on your software, and it’s been down for hours. Every minute it’s not working costs me money. It would help if you had a faster emergency response team for situations like this. Please resolve this issue immediately and consider prioritising critical support cases in the future.”

 

d) In-Store Service Speed Complaint to Management

“I’ve been waiting in line to return an item for almost 20 minutes, and the queue hasn’t moved. It’s very frustrating. Opening more registers or having a dedicated line for returns could help manage the flow better and keep your customers happy.”

 

3. How to respond to an Impatient Customer

 

Engaging positively with impatient customers is crucial for maintaining good customer relations and ensuring a swift resolution to their concerns. Here are strategies to effectively manage and satisfy impatient customers, highlighting the importance of quick, efficient service and proactive communication:

 

a) Prioritise Speed and Efficiency

Immediately acknowledge receipt of their complaint or query. Even if you cannot solve the issue immediately, letting them know they’ve been heard can help reduce frustration.

Continuously look for ways to streamline service processes to minimise wait times and delays. Efficiency in resolving issues satisfies the impatient customer and improves the overall customer experience.

 

b) Effective Communication

Communicate expected timelines for resolution and be honest about what can be achieved. Managing expectations can help mitigate impatience.

Regular updates are crucial, even if the solution is still in progress. Lack of communication can exacerbate impatience, so inform them about each step being taken to resolve their issue.

Implement automated responses for initial contact points, ensuring customers receive immediate acknowledgement of their queries. Tools like chatbots can answer common questions instantly, reducing wait times for human assistance.

 

c) Empower Your Team

Equip your team with the authority and resources to resolve common issues quickly without escalating or seeking approvals, reducing resolution time.

Regularly train staff in handling impatient customers, focusing on de-escalation techniques, empathy, and efficient problem-solving.

 

d) Leverage Technology

Provide customers with self-service options, such as FAQs, tutorials, and community forums, allowing them to find solutions quickly without waiting for assistance.

Consider implementing a priority or fast-track system for urgent issues, especially in industries like tech support, where time is of the essence.

 

e) Personalise the Experience

Utilise customer relationship management (CRM) systems to quickly access customer history and personalise your responses. Showing awareness of their past interactions can expedite solutions and build rapport.

 

f) Feedback Loop

After resolving their issue, ask for feedback on the resolution process. This can provide insights into how to improve service speed and efficiency further.

 

Section D: The Habitual Complainer

 

1. What makes a Habitual Complainer

 

The “Habitual Complainer” refers to a distinct category of customers known for frequently expressing dissatisfaction or concerns about various aspects of a business, product, or service. Unlike the Constructive Complainer, whose feedback is often specific, actionable, and aimed at fostering improvement, Habitual Complainers tend to voice complaints regularly, sometimes without a clear resolution in mind or an apparent pattern that could guide constructive change. Their feedback may stem from genuine recurring issues, high personal standards, or a chronic focus on negative experiences.

While habitual complainers can pose a challenge due to the frequent and sometimes varied nature of their complaints, they also offer businesses a unique opportunity for improvement. By consistently providing feedback, albeit through a negative lens, these customers can inadvertently highlight areas of a company that may require more attention or reveal systemic issues that might not be immediately apparent. Engaging with habitual complainers effectively requires patience, empathy, and a strategic approach to deciphering actionable insights from their feedback.

Understanding and addressing the concerns of chronic complainers can help improve customer service protocols, product quality, and operational efficiencies. Businesses that successfully navigate the feedback from this group can enhance the overall customer experience, not only for the complainers themselves but for all customers, thereby contributing positively to customer satisfaction and loyalty.

 

2. Examples of complaints by Habitual Complainers

 

Habitual complainers tend to voice dissatisfaction regularly, which may not always be linked to urgency but rather to a pattern of negative feedback. 

Here are examples of how habitual complainers might present their complaints and, on occasion, their suggestions:

 

a) Frequent Product Quality Complaints via Email

“I’ve noticed that the last few items I’ve purchased from you have yet to be up to the usual standard. Every time I buy something, there’s an issue. Can you maintain consistent quality again? It may be time to review your quality control processes.

 

b) Regular Complaints About Service in Feedback Surveys

“Every time I visit your store, the service gets slower. I keep hoping it will improve, but I’m always disappointed. Have you considered additional training for your staff to ensure they understand what good customer service looks like?”

 

c) Constantly Reporting Issues with a Service Provider on Social Media

“Once again, my internet service is down. This seems to happen every month. What are you doing to prevent these regular interruptions? Perhaps it’s time to invest in more reliable infrastructure or offer compensation for these frequent inconveniences.”

 

d) Repeatedly Suggesting Improvements to User Experience on Online Forums

“I’ve mentioned before that your website is difficult to navigate, and it seems nothing has been done about it. A more intuitive design could enhance the customer experience. How often does this need to be brought up before action?”

 

3. How to respond to Habitual Complainers 

 

Engaging with habitual complainers effectively requires patience, strategic communication, and clear boundaries. Here are strategies and advice for managing interactions with this challenging but potentially insightful customer group:

 

a) Acknowledge and Validate

Show that you are listening and acknowledging their concerns. Habitual complainers want to feel heard, and active listening can mitigate the intensity of their complaints.

Validate their feelings without necessarily agreeing with the complaint. Phrases like, “I understand why this situation is frustrating for you” can be helpful.

 

b) Offer Consistent Responses

Have a set of standard solutions or responses ready for common complaints. This consistency helps manage expectations and ensures that habitual complainers are treated fairly and equitably.

Aim for quick, efficient resolutions to their complaints, even if it’s a standard response. This shows you take their feedback seriously but refrain from spending excessive resources on repetitive issues.

 

c) Set Clear Boundaries

Politely set clear boundaries regarding what can and cannot be done to address their complaints. It’s important to communicate these limits to manage their expectations effectively.

Be firm but fair when communicating that specific demands cannot be met, explaining the reasons behind your policies or decisions.

 

d) Document and Analyse

Keep detailed records of complaints from chronic complainers. Over time, patterns may emerge that highlight legitimate issues needing attention or areas for improvement.

This documentation informs business strategies, customer service policies, or product development processes.

 

e) Educate and Inform

Sometimes, habitual complaining stems from misunderstandings about a product or service. Clear, comprehensive information may help reduce unwarranted complaints.

Update them about changes or improvements made in response to feedback, which can make them feel valued and part of the solution.

 

f) Know When to Draw the Line

Not all demands can or should be satisfied, especially if they’re unreasonable or beyond the scope of what your business can offer.

In extreme cases, if a customer’s behaviour becomes abusive or their demands are consistently unreasonable, it might be necessary to consider ending the business relationship. Do so respectfully and professionally, explaining that you seem unable to meet their needs.

 

g) Leverage for Improvement

Despite the challenges, habitual complaints can provide valuable insights into potential areas for improvement. Analyse their feedback for any constructive criticism hidden within.

 

Section E: The Indirect Complainer (One More for Good Luck!)

 

1. What makes an Indirect Complainer?

 

The “Indirect Complainer” is a category of customers who express their dissatisfaction not through explicit complaints but through hints, suggestions, and sometimes passive-aggressive comments. Unlike those who directly outline what went wrong and how they wish it to be resolved, Indirect Complainers communicate their displeasure in a way that might not immediately signal they are making a complaint. Their feedback can often come across as offhand remarks or buried within seemingly casual conversations, making it more challenging for businesses to recognise and address the underlying issues.

Indirect complainers may adopt this style for several reasons, including avoiding confrontation, believing that direct complaints may lead to negative consequences, or simply not feeling confident enough to express their concerns openly. They might think this softer approach is more polite or effective in getting their point across without creating conflict.

 

2. Examples of complaints by Indirect Complainers 

The “Indirect Complainer” communicates dissatisfaction nuancedly, often embedding their grievances within seemingly innocuous comments or questions. Their approach can sometimes make it difficult for businesses to recognise the feedback as a complaint immediately. Here are scenarios that illustrate indirect complaining:

 

a) The Casual Mention During Checkout

A customer at a retail store might say to the cashier, “It took me a while to find this item. You guys like to keep things hidden, huh?” While seemingly light-hearted, this comment could indicate frustration with the store’s layout or signage.

 

b) The Social Media Post

After dining at a restaurant, a customer posts on social media, “Enjoyed my evening at [Restaurant Name]. Just wish some dishes came as big as their prices.” Though framed as a compliment, the message hints at dissatisfaction with portion sizes relative to cost.

 

c) The Suggestion Box Entry

A gym member writes in the suggestion box, “It would be great if more people respected the rule of wiping down equipment after use.” While framed as a suggestion, it indirectly complains about the gym’s cleanliness or the enforcement of policies.

 

d) The Feedback Survey

A guest commented in a hotel feedback survey, “The room was great, very cosy. Though I didn’t realise what ‘cosy’ meant, I could hear my neighbours’ conversations.” Under the guise of praising the room, this feedback subtly criticises the soundproofing.

 

e) The Product Review

A customer leaves an online review for a coffee maker, stating, “Makes great coffee when it decides to work. I guess it’s not a morning person like me.” This playful comment indirectly addresses reliability issues with the product.

 

3. How to respond to Indirect Complainers 

 

Encouraging open communication with Indirect Complainers involves creating an environment where they feel comfortable sharing their feedback more directly. Here are strategies to address issues sensed from their behaviour and foster a more transparent dialogue:

 

a) Create a Welcoming Feedback Environment

Regularly communicate to customers that their feedback is valued and critical for improvement. This can be done through signage, direct communication, or messaging on your website and social media.

Provide multiple accessible channels for feedback (e.g., comment cards, online surveys, feedback boxes, social media, and direct email addresses) and ensure customers are aware of these options.

 

b) Respond Positively to Indirect Complaints

When you detect an indirect complaint, acknowledge it with a positive and open attitude. Ask follow-up questions to clarify their concerns and show genuine interest in understanding their perspective.

Express appreciation for their feedback, even if it was delivered indirectly. This acknowledgement can make them feel heard and valued.

 

c) Train Staff to Recognise and Act

Train your staff to pick up on subtle cues that indicate dissatisfaction and to respond with empathy and openness.

Empower employees to address minor complaints on the spot without needing to escalate issues, making the resolution process quicker and more personal.

 

d) Follow Up for More Details

Follow up with the customer personally after an initial indirect complaint is identified. A phone call or personal email can encourage them to learn more about their experience.

Some customers may feel more comfortable providing feedback anonymously, especially if they have criticisms. Assure them that anonymous feedback is welcomed and valuable.

 

e) Use Indirect Feedback as a Learning Tool

Review feedback regularly to identify common themes or issues, even if it’s delivered indirectly. Use these insights to make improvements.

Communicate to customers (e.g., through newsletters, social media, or in-store signage) about changes or improvements made in response to their feedback. Knowing their input has led to positive changes can encourage more direct communication in the future.

 

f) Cultivate a Culture of Trust

Strive to build stronger relationships with your customers. Customers who feel a personal connection to your business may be more likely to communicate directly.

Share behind-the-scenes looks at how customer feedback influences business decisions. Transparency fosters trust and encourages open communication.

 

 

 

Author

CEO at 

Graham is the CEO of Taxoo.

He is a Serial Start-up Entrepreneur, Investor and Multiple Business Owner. He has vast experience in Marketing, Business Management and UK Foreign Investment. He has multiple qualifications in both Law, Post Grad Marketing and is a Chartered Marketer and Fellow of the Chartered Institute of Marketing.

He is also the CEO of Lawble, Xpats.io, HR Hype and Rokman Media.

 

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Legal Disclaimer

The matters contained in this article are intended to be for general information purposes only. This article does not constitute legal or financial advice, nor is it a complete or authoritative statement of the law or tax rules and should not be treated as such. Whilst every effort is made to ensure that the information is correct, no warranty, express or implied, is given as to its accuracy and no liability is accepted for any error or omission. Before acting on any of the information contained herein, expert professional advice should be sought.

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