Archive for July 29th, 2009
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July 29th, 2009
Although you may not know what payment protection insurance is, it’s very possible that you are in fact paying for it with 20 million policies in the UK alone. Furthermore, it’s also very possible that you were miss-sold it and are paying for it wrongly. Read on to find out if you fall into that category and whether or not you might be able to claim back hundreds of pounds or more. Payment protection insurance (or PPI) is a good move for some people as it offers borrowers a service that promises to help pay back loans, mortgages, credit cards etc should you find yourself unable to due to illness or termination of your employment. However in many cases the individual may find that they’re not actually eligible to make a claim on the insurance, and/or that they didn’t realise they were paying for it in the first place and could have got it cheaper elsewhere.PPI is usually sold by the lenders directly when you take out a loan and added to the overall cost. This means that a loan with 7% APR might in fact be cheaper than one with 8.5% due to varying prices of PPI. It may not be immediately obvious however that PPI is attached, for example a bank might just call it a ‘protected’ loan thereby implying PPI but not actually stating it. Often this insurance is added to the cost ‘up front’ too, adding to the overall interest and meaning that you’re actually paying interest on the insurance. Meanwhile, had you taken the loan out independently you might have had rates up to 70% cheaper. More worryingly, if you suffer from back problems, previous illness, are retired or self employed then you won’t be able to claim on the insurance at all making it money that goes straight to the lenders’ pockets. While they shouldn’t sell the insurance to people in these categories they often still do and according to the FSA (Financial Services Authority) over 70% of PPI has been miss-sold with only one in five claims proving successful. If you think you might have been miss-sold PPI, then find your original policy documents and see how the policy is worded. If you fall into one of the categories above that make you ineligible to make an insurance claim or you feel you were mislead then you may have a case -it’s the responsibility of the lenders to have made sure you were fully informed. From here it’s a matter of writing letters of complaint or complaining on the telephone until you get a positive response. This may take several attempts and the likelihood of your being successful will depend on the company’s history as well as how well you word your complaints. Don’t give up after a single attempt however as many companies will try to put you off with initial rejections when they’re in the wrong. If you don’t want to go through the whole process or aren’t confident in your ability to write complaints, then you may want to go through a claims management company such as Simplicity Claims. These companies will take the matter into their own hands and handle the process for you and drawing on their experience thereby greatly increasing the chances of your claim being successful.
July 29th, 2009
I was so excited and proud of myself when I graduated college and I knew that things were going to just go up from there when it came to jobs and other things. When I did get that job I went to college for, it didn’t pay as well as I thought it would to start. I got behind on my loans right away and didn’t want that to snowball, so right away I went to cash fast and got caught up and very soon after that I got my raise and everything was fine. Thank God I had someone to turn to.
July 29th, 2009
This year, there has been significant news about how we are in a recession – an economic downturn, if you will. People are more concerned now with the stability of their jobs, and many are looking for alternate ways to make money. This is where network marketing comes in. For a typically low startup investment and some dedicated work, a person can earn an income that can rival or surpass what they earn from their regular job. You can start a network marketing business part-time from your home while keeping your job. If you pick a good opportunity with a strong upline support group, you can go very far in this business. Just keep in mind that it isn’t get rich quick, but with hard work you can indeed make significant income.
July 29th, 2009