One of the most commonly heard “buzz phrases” of the last 3 years in an around the United Kingdom is “payment protection insurance”, and you may well of heard (if you are a british resident) about some of the issues surrounding the mis-selling of millions of ppi policies to people living in Britain.
HOW THIS APPLIES TO YOU.
Have you taken out a loan, mortgage or credit card in the last 10 years? If so, it would be well worth you reading on to find out if the following applies to your situation.
Was there any particular small print that you missed when signing up for the agreement? Was there something that was potentially miss by you? Some thing that you didn’t pay your FULL attention to? Anything at the bottom of the documentation in site 5 font and colored in grey that you could barely read due to it being almost invisible?
These could all be indicative of what is known as “ppi mis-selling”.
“Payment protection insurance” is officially the most missold product in the united kingdom, with millions and millions of these products being packaged up inside loan agreements, mortgage agreements and credit card documentations, in a way that is less than open and transparent with the consumer, meaning that there are a lot of people in british society that have been essentially, wrongly sold these policies.
What Can I do about it?
There are 3 options here:
- You can do nothing about it if you wish. There is no legal obligation of you to reclaim the money you are owed and there is no law stating that you must ask for a refund for any particular product or service, whether it is mis-sold or otherwise. So don’t feel obliged to do so unless you want your money back.
- You can attempt to reclaim the balance owed to you by the banks all by yourself if you wish. This will mean that you will need to go to the trouble of writing to the banks, chasing for updates on progress, if they reject the claim you will need to chase it up with the FSA, the OFT and (usually) the financial ombudsman, after a lot of chasing you might get your refund.
- You can use a “ppi claims management firm” in order to reclaim the money. A recommended firm with a good reputation is ppi claims 4 you and their homepage is here. They have an excellent reputation in dealing with claims on behalf of the consumer, they also seem to be one of the cheaper companies, although be sure to check out some other companies as there are lots of them out there that are good.
Whatever choice you make, ensure that you at least look into the possibility of getting your money back. If the banks do introduce a deadline (which, despite recent reports) they ARE still pursuing the idea of this, then you should act quickly in trying to reclaim your ppi premiums.
Stretch mark removal is a major cosmetic concern for both women and men alike. These unsightly marks are literally caused by the stretching of the skin and can occur at various ages and stages in life. A few of the more common culprits can include weight gain, growth spurts and of course, pregnancy related changes to the body. With this being said, there are a variety of removal techniques which may be available. However, there are several things to consider.
Methods of Removal
There are multiple stretch mark removal creams treatments that may be available. This can include but is not limited to commercially prepared creams and ointments, homemade concoctions and professional removal services provided by qualified medical personnel such as laser resurfacing for example. Treatment options are usually guided by the severity of the stretch marks, duration of treatments, side effects and of course the associated costs.
Severity of Stretch Marks
The severity of the stretch marks will play a significant role in the type of removal. Those with lighter and smaller areas may find that over-the-counter or at home treatment may be sufficient. However, those with severe or very dark colored marks may find that professional stretch mark removal treatment may be needed. Regardless, the length of time it takes for a remarkable difference will be longer for those who have more noticeable stretch marks.
Duration of Treatments
The length of time that it takes to see a visible reduction with any type of stretch mark removal treatment can vary considerably. As previously mentioned, those with more severe stretch marks will find that it may take longer. This is true regardless of the removal technique chosen. Natural remedies and commercially prepared products aimed at removal can take weeks. However, those that opt for cosmetic procedures to reduce or eliminate the appearance may also require several treatments over the span of weeks or months as well.
Potential Side Effects
As with any other type of product or medical service, there are always some potential side effects. These are generally mild in nature and although most will never experience a major side effect, there is still the possibility of an adverse effect such as allergic reaction. However, mild skin irritation is one of the most common, yet still rare effects of creams and lotions. Cosmetic procedures aimed at removal can also have side effects such as redness, burning and other mild discomforts and not everyone will be a candidate for these treatments.
Stretch Mark Removal Costs
The costs associated with removal of stretch marks can fluctuate significantly. Prices may range from relatively cheap to quite expensive. Most lotions and creams are somewhat affordable and can easily be purchased over-the-counter. Services provided by a licensed professional will of course be more expensive than other remedies available. This may be especially so if multiple treatments are necessary.