Complain better, get what's coming to you

NEW YORK (CNNMoney.com) -- If there's a wrong you want to make right, you have to know how to complain in order to get results. Here are a couple of problem areas for consumers and a few tips on how to deal with them.

Question: What do I do about credit card companies' late fees and high interest rates?

Answer: You can complain all day long to customer service, but it's not likely to get you anywhere. You're best off calling and asking to speak to your credit card issuer's retention department. These are the people whose job it is to keep you happy.

Remember, it costs credit card companies around $200 to get new customers so they don't want to lose you. Ask for the late fee to be wiped out and the interest rate reduced.

Question: I hired a contractor who ran off with my money and left the work unfinished. Should I take him to court?

Answer: Start by contacting your state's licensing board and ask for help. If you're not satisfied with their response, go to small claims court. It usually costs about thirty dollars. You don't have to pay for attorneys, you simply present your case to the judge.

If the judge finds in your favor, go back to the licensing board and ask for help in getting your money. They can pull his license if he doesn't comply.

Question: My home insurance claim was denied. Is there anything I can do?

Answer: Check to see if your policy has an appraisal clause. You and your insurer can both hire an independent appraiser to assess your claim. A third-party referee will then make a decision as to who's right.

Question: There's supposed to be competition in the field of electric and gas companies but we all know this really isn't the case. Who's to say they'll right a wrong for me if there's no other company I can switch to?

Answer: Pressure the utility company for damages. Say some food spoiled in your fridge or freezer because the power was out for a few days. You may be able to get compensation. It varies by utility, but by bothering them you'll have a better chance of getting your money.

In the Queens blackout last summer, customers got up to two-hundred fifty dollars! And if you're still not happy, file a complaint with your state's Public Service Commission.

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