In Debt? Negotiate with your creditors Yourself!

A view of the entrance of the new British Ministry of Justice in London

Debt is a HUGE worry. There seems like no way out sometimes. The best thing to do is to face it and take control. This is so hard to do but it will give you a great feeling of empowerment and control. It will stop the endless phone calls and letters too. So take a [...]

Debt Help – Who can apply for an IVA?

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There are an increasing amount of people who are going through hard time with debt payments in the UK. Many of these people are seeking help in the form of an IVA.  IVA applications are on the increase as many face insurmountable debt. To apply for an IVA you usually need to contact a company [...]

What Is PPI And How Long Will It Take To Claim Back PPI?

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PPI means payment protection insurance in the UK. It was sold to people in the UK who took out loans, mortgages and credit cards as a means of protecting the repayments should the borrower fall ill or suffer from unemployment and not be able to make the repayments. The lender and the borrower are protected [...]

Which Fined PPI Providers Have You Used?

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Fined PPI Providers Several major PPI providers, including Alliance & Leicester, Egg and Capital One have been fined for “not treating customers fairly”, and more are added every day it seems.  The regulator, the FSA, has said it wants to see better practice and has fined several companies for failing to treat their customers fairly. [...]

PPI Controversy v MP Expenses Controversy

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For those of you who may not have noticed, a large proportion of the UK population are in the process of reclaiming the Payment Protection Insurance (PPI) premiums. For those of you who may not have noticed, a large proportion of the UK population are in the process of reclaiming the Payment Protection Insurance (PPI) premiums that [...]

PPI Lenders And Banks Have Been Fined

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The Bank of Scotland has been fined £3.5m, by the FSA, for mishandling customer complaints about the sale of its retail investment products, and also been ordered to pay £17.5m in compensation to its customers. To date, this is the largest ever fine for complaints mishandling and acts as a warning for the banks involved in.   It [...]

Reclaiming PPI Made Easy

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  Throughout the UK, more than 20 million PPI (Ppi Insurance) policies have been sold. You may have PPI and not realize that you’ve been paying the premiums. If you were forced to purchase this insurance, it is not illegal according to the FSA. The FSA is the agency that governs financial institutions and their [...]