PPI Money is the Best Money – Claim Your Slice

Even the most timid consumer does not deserve to be ripped off, but the truth is that the PPI industry has scammed thousands upon thousands of people — if not millions of people by now. The truth is that it’s still your money, and not theirs. If you don’t take any action, the big banks and lenders will just assume that they have all of the freedom in the world to continue taking your money. That means runaway profits for them, but what about you? What about the life that you always wanted? You’re going to need your money to make that happen, right? You’re going to need to be able to take the time to put things in action, right? You have to be able to get things done and you can’t just sit around hoping that everything will fit together. You need to make sure that you take action and have a good time.

You don’t want to worry about how you’re going to make ends meet, and you certainly don’t want to find that you’re going to go without the money you need for the rest of your life. Going with the claims company is the right choice, because then they’re the ones that are going to be fighting for you. They’re the ones that are going to be taking on all of the paperwork. They are the ones that will have to think things through. You’ll be able to go on with your life and not stress too terribly much. They will call or email you with all of the updates regarding your case.

This is the more efficient way of fighting back. Why should you let the lenders derail your life, even when it’s time to get the refund? That’s the part the some of the personal finance sites don’t tell you — you need to be able to handle the day to day operations of your life without getting bogged down by the details.

There’s no upfront fee to check out a claims company, because if you win your case they will take a small percentage of the award that you receive. This means that you don’t have to be blocked by a budget in order to get things done. You can just continue to enjoy yourself and let the stress go.

In life, we’re all looking for the best information possible. If you want to get your case off the ground, why not check out http://www.ppiclaimsco.co/ today? You’ll be glad that you did!

Continue Reading

Major Banks Continue To Reject Credible PPI Claims

Recent research suggests that many borrowers who were miss-sold payment protection insurance and approach their bank for compensation tend to stop pursuing complaints if the claim is rejected by the bank first time round. Claims advisory groups have urged customers to challenge the banks decision and fight on.

Payment protection insurance (PPI) became popular in the 1990’s. The insurance offered credit card, mortgage and loan owners insurance on the money that they had lent should they become ill or unemployed, disenabling them to continue repayments. Banks often sold these policies to customers who did not ask for or need the PPI insurance. Customers were often unknowingly signed up to PPI policies without even realising it and, in some cases, it was even found that PPI policies were a condition of being offered credit cards or loan regardless of whether a customer needed the policy.

PPI insurance was one of the most profitable forms of sales for banks and generated an income of over 5.5 billion pounds a year. It is estimated that over 35 million payment protection policies have been sold to date within the UK. After concerns about the unethical nature of PPI policies, in 2011 the financial regulator announced rules, which required that banks informed customers that they may have been miss-sold PPI policies and the banks were ordered to investigate any potentially miss-sold policies.  Questions still remain as to whether banks have fully complied with this as claims advisory groups estimate that only 1 in 10 people eligible to claim for miss-sold PPI policies have so far done so.

An undercover investigation by The Times newspaper has found that some employees working at claims handling centres for the banks have been encouraged to incorrectly reject credible claims for miss-sold PPI policies in attempts to avoid paying out. Claims have been made that in some instances bank managers have forged signatures on PPI contracts to sign customers up to policies they did not ask for.

The major banks have set aside around 15 billion pounds to cover the cost of claims.  Lloyds TSB the bank accused of being most involved in the miss-selling scandal have already paid out over 4.3 billion pounds to 1.3 million customers. Claim pay-outs can reach in excess of over 60 000 pounds and average claims are around 2750 pounds. Consumer watchdog, Which, expects that banks will need a further 5 billion pounds to cover the costs of claims due to a significant increase in recent complaints made to the Financial Ombudsman Service.

Within the last year the Financial Ombudsman Service has seen a rise of over 92% in claims with over 400 PPI claims being made per hour. Alarmingly 86% of claims against banks decisions were found in favour of customers and claims advisory groups raising the issue why customers have had to turn to the regulator to challenge decisions made by banks.

For information on miss-sold PPI, don’t hesitate to contact The Claims Advisory Group.

Continue Reading

Searching for the Cheapest Landlord Insurance

Finding cheap landlords insurance may not be as easy as you may think. There are many comparison websites that you can use to find cheap insurance. These can be really useful but you may find that finding discount landlord insurance on this sort of site is quite rare. They tend to be more geared towards personal insurance instead. This is probably because personal insurance is more common. This means that it is likely that you will have to do a more thorough search.

Although it will take time, you may find that you will need to spend time taking a look on search engines. Type in the search term ‘discount landlord insurance’ and you should find quite a few options. You will need to take a look at each one, find out how much it will cost and what you get for the money. Then you will be able to work out which will be the best value for money. You could try other similar search terms as well, to see whether anything better comes up that way.

Another approach is to take a look at landlord forums or message boards or perhaps money saving ones. You may be able to ask others who they use for insurance and who they find to be the best. Then you will be able to go and check them out for yourself and see whether you can get a good price from them. This can be a great way of picking up all sorts of help about being a landlord, not just about insurance and therefore a really useful thing to look at.

You could speak to your insurance company and see whether they can offer you a better deal. It may be fruitless, but it is always worth asking them, especially at renewal time. If you have found a cheaper price elsewhere, then they may lower their offer so that you can stay with them and still save money. So be sure to mention any better deals that you have come across as they may then try to match or even better them, if they can.

You may find out that you have been paying way over the odds for your insurance, so why not do some research in a selection of different ways and find out how much you could save on your landlords insurance.

Continue Reading

Peeling Off the Protective Layers of the PPI

Recently, a different type of protective coverage called payment protection insurance or ppi for short has been making the headlines. This is because many ppi policies were found to have been missold to a number of people, and many of them have limited understanding of what this particular type of insurance is really all about.

How the so-called mis-selling of various ppi policies took place is something that remains unclear until now. What is clear, however, is that many of the ppi policies that have already been purchased were significantly overpriced. Even sadder is the fact that not all those who were previously placed under ppi coverage got paid out. The estimate is that only about 10 per cent of those who purchased a ppi policy received the expected refund.

PPI_uk
Protection payment insurance or ppi is essentially one of several insurance types. However, unlike other insurance variants, a typical ppi policy is often extended in combination with your mortgage, loan, or credit card applications. The process involves paying out a certain amount of money every month which will serve as your insurance premium. This is apart from your loan repayments which you are supposed to do on a monthly basis as well.

At first glance, this particular set-up may appear disadvantageous to the average consumer. Still, the good news is that in case you meet a major accident or suddenly suffer from a serious sickness which prevents you from working and consequently are unable to pay off your loan, your ppi premium will ably cover for this. Depending on your remaining unpaid loan balance, protection payment insurance can either totally repay the amount or make a partial payment.

This is the ideal ppi set-up, but not too many people covered by this special type of insurance have been made fully aware about it. As such, they have hardly enjoyed the benefits that protection payment insurance is supposed to extend to them.

The problem lies in the fine print of many ppi policies where key details are normally found. For example, many of these policies are known to cover your loan repayments for only the first 12 months, although some are said to extend coverage for as long as 2 years. Beyond this period, your loan repayments will cease to be covered. If your loan or mortgage remains unpaid during this time, you run the risk of not having the needed protection in case something untoward happens to you.

This is something that many ppi policies have not made clear in their provisions. If something similar has happened in your case, it may be possible to file for ppi claims with the concerned government agency in your area.

Continue Reading

Should I Make a PPI Claim?

Many people are probably wondering whether they should investigate if they are able to make a PPI claim. Many of us receive emails and telephone calls encouraging us to claim and it can get you wondering whether you could. Some may think that they should not do it because if they were silly enough to sign up to PPI when they did not notice, then it was their fault they were paying it. However, unless you were told that it was an option, then you have every right to claim back what you paid.

You should not feel that you made a silly mistake as many people were fooled by unscrupulous salesmen. They may have been told PPI was essential or that it would benefit them when it wouldn’t. There were many miss selling techniques and these were all wrong. This is why people are being given back the money that they were paying back.

A PPI claim that goes through will give you back the money that you paid out in PPI. This could be a significant amount of money if you were paying a lot of money each month over a considerable time period. Even if it was not that much money, you should still claim back what is rightfully yours, why should you let the bank keep it? Even a small amount could make a difference to you anyway.

Making a claim is not that difficult either. You just need the account details for the PPI and then you will be able to fill out the relevant forms and show that you were miss sold the insurance. You can always get a PPI claim company to help you, if you are unsure about how to fill out the form. You will have to pay them to help you, but it will help to take away some of the effort of doing it for yourself. They are online guides on what to do, but if you do not have the time or find this sort of thing confusing, they will be able to help you.

So if you have any reason to believe that you may have been miss sold PPI then it is worth having a go at claiming. You could get back all of the money that you paid for the insurance and this could add up to a significant amount of money.

Continue Reading

Tips for responsible gaming

Playing at an online casino has a lot to recommend it, including the excitement and entertainment value and the chance to learn new skills. These responsible gaming tips should ensure you get all of the good points and none of the bad ones from your casino play.

Set a budget

If you want to be able to enjoy playing at a mobile casino without worrying about money then the best way to do so is to work out a gambling budget for yourself based on your monthly income and expenditure. To further avoid getting into the red you can have a bank account specifically for this money, separate from your main one. It should be noted that online casinos themselves take responsible gaming seriously, and many offer applications that allow you to set financial limits for yourself before you start playing, which can be worth downloading.

Set a time limit

To keep your gaming as a hobby rather than an obsession you need to limit yourself to a reasonable period of time each week, and be strict about not going over it. This can be hard when the adrenaline is pumping, but taking time out for breaks to get something to eat or a drink will help you avoid losing perspective. You should restrict yourself to non-alcoholic drinks though, as the point is to keep your head clear, and drinking alcohol will have the opposite effect.

Learn as much as you can

Online casino gaming is a great opportunity to develop new skills, through learning games like poker and baccarat, but you should avoid betting much money on these games before you really know what you are doing, as otherwise you could lose quite a lot. Many of these casino sites offer instructions on how to play the different poker types and you should take time to read these while playing easier games like slots at first.

Continue Reading

Things to Research Before Starting New Business

Before starting an online business, you need to research many things so that your business will be successful. You cannot make adequate plans unless you know what is required to succeed. Spending extra time in research will pay huge dividends later.

Research the Competition

After determining the type of business you want to have, you need to evaluate the competition. Your chances for success will be better if you have fewer competitors. However, if there are many competitors, and you really love your products and work, you should consider ways to beat the competition.

If you determine that you wish to compete with a few competitors, evaluate their websites, products and prices. Your products and prices are your best tools for competition.

Supply Chain

You need to plan how you will deliver your products to your customers. Customers expect delivery of their merchandise in a reasonable time. Too many long delays and back orders will drive your customers to your competitors. Spend time in planning your supply chain so that it is more efficient than your competitors.

Cash Flow

Develop a cash flow plan for at least six months. Project your inflows and outflows for as long as it takes to see when the business will sustain itself. Since you are in business to make a profit, you should constantly reevaluate your goals to determine how well they are being achieved.

Advertising and Marketing

One of the most important considerations is advertising. People need to know what you are selling before they can buy your products. There are many ways to advertise, but you may want to hire professional advertisers to market your product. Their experience and resources will begin generating sales in the shortest time possible.

Reputation

As the newest online business, you will be competing with businesses that have built their reputations. Their customers know that they are dependable, and those customers will return to reputable websites for repeat sales. Since you do not have a reputation yet, you should research information about reputation management to make the best start for your company.

Because your reputation may change periodically, you should constantly monitor what is being said about your business. There are various programs and businesses available to monitor and restore your reputation should something bad happen.

Legal Requirements

There are many local, state and federal legal requirements for online businesses. You may research these requirements, or think about consulting an attorney.

Continue Reading