Info on how to Reclaim a PPI and do you Qualify for it?

PPI is one of the extremely usable insurances. However, it is observed that in majority of the cases PPI is mis-sold along with credit cards, loans and mortgages. There are several cases recorded where PPI was mis-sold and finally proved to be of no use when they were claimed. Well, in such a case there is only one option left out and that is reclaiming PPI. You can reclaim your PPI by yourself or by hiring a solicitor or a claims management company.



These days, you can easily find many people asking for their PPI claims, but regrettably most of them don’t get it. One important reason behind this is that people neglect and don’t go through the terms and conditions thoroughly and sometimes they are actually not qualified to get the PPI claim. Mentioned below is a list of essential things that you should consider when you think of requesting for PPI claim.

Find necessary documents:

First of all make sure that you have a PPI policy by finding necessary documents. Usually, even the banks write to their customers that they mis-sold a PPI. If you get any such notification do not ignore it. Your bank is writing to you because they accept that they have missold you a PPI, so this will be the right time to get the refund of the premium that you paid unnecessarily.

Your age when PPI coverage was sold to you:

PPI can only be sold to those who are above 18. Therefore, if you find that you were sold a PPI before turning 18 then you have a very good chance of rightfully asking the claim of your PPI.

Were you retired, unemployed or self-employed while taking a PPI?

If you were underage, student, unemployed or self-employed while taking the policy, then for sure it was mis-sold. In this case, you have a very good chance of making a PPI claim. PPI is worthless if you were retired or unemployed. Also, those who work part-time or working on a temporary contract basis cannot take a PPI. Thus, as the policy was mis-sold to you, you can claim it rightfully.

Now, if the above mentioned points are in your favor, you can go ahead and request for a claim, if you are denied you can reclaim it by taking professional advice.

What is the deadline to claim?

Well, there are no deadlines and you can claim it any time. However, the policy that was active in last 6 years is easy to claim. The reason behind this is 6 years is the time frame for which banks are required to keep the info about credit cards and loans. Lastly, you can claim the PPI anytime, but the important thing is that you should have necessary paperwork because without essential documents, it will be very difficult to prove your case.

In case the bank rejects your claim, you need not worry. If you have all the necessary details that will make your case stronger you can reclaim it. However, expecting a quick resolution is not wise.


Samuel is an ardent writer and he writes on many topic related to the financial and legal matters. If you are looking for ways to deal with Mis sold PPI, please visit their website to learn more about it.

Customer is not king

Almost everyone who knows about the word customer, would have heard about this: 'Customer is king'.

This must surely rate as one of the most absurd beliefs of all time.

Some more absurd beliefs are:

1) Evolution is a myth
2) There is no global warming
3) One can eat a hearty meal in Mumbai for Rs 12.
4) One can eat a hearty meal in Delhi for Rs 5
5) One can eat a hearty meal in Srinagar for Rs 1
6) Pedophilia is not a criminal condition, it is a mental illness

Since I am a salesman, I feel this way whenever anyone passionately espouses that customer is king:



(Source: www.memegenerator.net)

I feel it is wrong because of the following reasons:

1) A king will negotiate. But not haggle: Noticed a customer haggling over a few Rupees or Dollars? Treats your product/service as a commodity. Such a customer would refuse to take ROI (Return on Investment) into account. A customer who views the larger picture and does not insist on 'right-pricing' every six months or year is your king.

2) A king will be fair: If your customer admits that his team has been at fault as well, then this customer is a king. Otherwise expect to be badgered about the 'non-user-friendliness' of your software even if the customer's team member thinks 'out of the box' like him:


(Source: http://www.cartoonstock.com/newscartoons/cartoonists/mfl/lowres/mfln6394l.jpg)

3) A king will know what he wants:  Have you heard your customer say 'I am not getting the expected results. Therefore I plan to discontinue your service'. You might be exasperated as you had offered the best possible service. In such a case, the customer doesn't really know what he wants. So better to let him figure it out. You can wait till the customer has this moment:


(Source: http://chakracenter.org/2013/03/07/ever-onward-the-divine-ridiculous/)

So treat those customers who are kings as kings. The others can be treated like the Common Man.

The Psychology of Response

When you are confronted with someone on a certain issue, how would you react? Research shows that there are three ways a person would respond on a situation like this.

More often, these three ways are associated to a specific type of person based on the responses. It is called the Psychology of Response.


Study shows that there are three ways of responding during a confrontational issue with someone - either your friend, foe, boss, colleague, etc. These are the following:

1. You get discouraged

In the course of the conversation, chances are hurting words may come out from both of you. These words can break a nerve and can cause spark to a heated argument.

This will definitely hurt you. But when you feel discouraged, hurt, depressed, sad, lonely (and all the other pity-adjectives out there), it is said that you are an average person. "Nobody's perfect, what the fuss?", you might ask.

Yes, but average in a manner that is unconscious and inexperienced of handling one's emotions. This is the first stage of enlightenment.

2. You answer defensively

Let's take in both scenarios. You answer defensively whether you are right or not with your responses.

You make a firm stand on your side and cover up your ass in order not to put the blame on you. This is right, sometimes. But doing this all the time is not good.

Imagine how this could break a relationship, cause misunderstandings and indifference. People of this type are intelligent.

They rationalize the issue, speak out loud and eliminate obstacles to meet halfway. However, the downside is that, the more you say something, the more it complicates the issue. This is true to some issues that need to be accepted and not to debated. This is the second stage of enlightenment.

3. You ignore and move on

Some people tend to listen more to the speaker and answer in a straightforward manner regardless of the response - be it constructive or destructive.

These type of people don't get affected with the words used to blow off their temper. These type of people are the smart ones. They think that more speaking and less listening is waste since you're missing the point what the speaker wants to imply.

They often neglect the unimportant, useless words spoken and focus more on the important issues being raised. Their responses are based on what they comprehensively understood on the speaker's statements. This is the 3rd stage of enlightenment.

I often belong to the intelligent and smart group of people. Though sometimes I tend to be stupid - hanging on to a certain issue and feeling emotional, I strive to be on the 3rd stage and I do this frequently.

The only setback on the third stage is that you may be misinterpreted as being arrogant and indifferent. This could be a losing fight for you on the corporate world. Thus, it is not always good to be on the last stage but balancing the 2nd and 3rd stage would be the best approach of all. 

How about you? What type of person are you?

Credits to www.lifehack.org

Self-Denial - Skill a Leader Must Know

Ever experienced on a leader who keeps on telling "Yes, it can be done!" when in reality is not achievable? How many times did your friend cheer up for you to do something really impossible yet you yourself know it's freakin' hard?

You tried Power Thinking yet it's undeniable that it couldn't really be done. You think you're nuts. Who's the psycho, you or him?


On my previous & current experiences, I realized that self-denial is good (sometimes) for leaders. Here's what I found out.

Being a leader is hard. Accountability and responsibility is high. But being a member of a group is even HARDER. A leader's task is mainly delegation & monitoring of the project, ensuring it is within the established timeline and all members are working right in order to hit the target.

Inevitably, there are times when a certain task is thrown to your team with a given short timeline. There's no choice but to accept the challenge as this is being mandated from a respected boss. As a leader, what would you do?

Okay, so you set up a meeting with your team to break down activities, delegate to members and set a specific for completion. Now as you proposed the timeline, your team was suddenly silent, staring blankly at the wall.

You waited for any comments and one brave man said, "Sir we can't make it to the deadline." You were amused! "Excuse me, is that a direct refusal without even getting started?", you exclaimed. Now a heated argument is started.

Your subordinate explained based on his experience the complexity and tediousness of the job: that it couldn't be done right away and if it's possible, the quality of the output may not be favorable.

You learned from a leadership book about being emphatic to what other person is implying. So you scrutinized the issue and came to a point to put yourself in his shoe. Now you understand the problem.

The timeline is REALLY tight that the project may not be accomplished on time. But the problem is you have already agreed and promised to deliver on time!

So what would you do? Even your boss reminded you to submit the project on time so that he can report it to Top Management!

Why self-denial is good for leaders sometimes? It is because instead of getting carried away with your team's concerns, you must project yourself like a dictator - powerful, energetic, professional, Mr.No-Problem-That's-Okay guy, firm, aggressive and optimistic.

Encouraging your team, giving rewards and acknowledging their accomplishments are some few ways to inspire them so that you won't be beaten by your boss.

Though deep inside you think that you are stupid - acting like everything's fine when it's not, the odds may be greater that the project has a higher chance of success rather than sympathizing with the group, second the complain motion or not doing anything at all.

But to top it all, it is not easy. I, too once tried this tactic but it didn't work for me. Why? Because I have difficulty of acting and saying what it's not in my heart and mind.

To be yourself is hard, but to not being yourself is the hardest. Yes it's easy to lie, but despite of that, still criminals get convicted even through the most reasonable lie they declared. Thus, self-denial is a skill a leader must know. This is not good. But when no one else knows about this other than you, hands down to you!

Good Debt VS Bad Debt

Debt is a negative word. Every time I hear the word from someone, my head starts to get heavy and aching. I dread the word. Baffling. Pesky. Nauseous.

Imagine what I would feel when something pops out in my head saying, "Don't ever take anything on credit! For God's sake, you will suffer for the rest of your life!" Scary, right? Yeah that was mom's voice. She's right. And she's wrong.


I really love the short but concise answer, "It depends." Almost every doubt can be answered with this line. Examples: "Investing is risky" - It depends.

You can be passive or aggressive in investing; "Nothing beats the iPhone" - It depends. Not all the features of iPhone are superb; "Calculus is the hardest subject ever!" - It depends. Some may find it easy and enjoyable.

You see, it is but relative on the person. Because not all things are created equal, we have a different perspective on every subject depending on our experience and personality.

Mind-crippling as it is, my fear of debt was mitigated. It is when my high school friend shared an interesting story about how he got a 20-door apartment with no money at all! He purchased the property all on credit! So here's how it goes. 

My friend lived in an apartment in Makati, Philippines. He's working on a multinational company. He's earning very well then. The landlady of the apartment where he was staying was kinda old.

Every time she collected the rent, my friend felt pity to her considering that she's 74 years old. "It seemed like she found it complicated managing her property at her age", my friend said.

"So I thought, why not offer to purchase her property so that she could retire and receive lump sum of money directly?", he continued. Days later, he made an offer to the landlady. Fortunately, his offer got accepted! Unfortunately, he had no cash! The property costs around 7 Million Pesos!

"What? I need to have a 7 Million Peso loan?", he exclaimed. So what he did is he searched around banks to finance the deal. Php 7 Million loan is not a joke. There are vital factors to consider in a loan.

Until finally, he had chosen a not-so-famous bank for a reason - it had the lowest interest rate. Luckily, he was approved for the loan (he has the capacity to pay considering his huge salary).

But before he pushed the deal, he did the math to check if he could make (or break) money out of the deal. "It was a no-brainer investment", he bragged. "How did you know that it was going to be profitable?", I asked perplexed.

"When my amortization with the bank is LESSER than my monthly rental income!", he proudly said. I was blown away. From there on, the way I look at debt has changed. I realized the value of leverage. Taking advantage.

So what is a Good Debt then? A debt is only good when you're making money out of it. When you invest the money you got from credit and it grows little by little (or exponentially), then that is a Good Debt!

Whereas, a debt is considered bad when nothing gets back to you in return. When you made a loan to buy for a car that you've been dreaming to have, that is really really bad. Consider this, the loan you acquired to purchase a car will never be recovered again. Instead, you'll be paying the loan per period basis from your income.

Now that means your expenses are elevated due to additional expenses - loan amortization, gas, car maintenance, repairs and maintenance. That's a BIG purchase indeed!

The Most Common Reasons for Mobile Phone Insurance Claims

There are a lot of reasons why you might need to submit an insurance claim for your mobile phone or device. These can range from the relatively normal to the absolutely absurd and bizarre. Still, whatever your reason for making your mobile device claim it is important that you have a reliable provider like Protect Your Bubble phone insurance that can work with you to quickly and reliably replace your lost or damaged mobile devices. We all make mistakes from time to time and have a need to deal with the results as fast as possible. Are you curious what some of the most common claims made for mobile devices today are? Well here is a list of several common claims that you should be aware of as they might happen to you.

1. Cracked Screens
Phones are fragile but this doesn’t stop almost all of us dropping them from time to time. Oops! But don't worry, this is a fairly common claim and one that shouldn’t take too long to resolve.

2. Stolen While Texting

Yep, this does happen. It's best not to take out your phone in crowded public spaces where it can be snatched, but sometimes this is unavoidable because we just have that crucially important call or message to respond to.

3. Leaving the Phone on the Roof of a Car

And then it's launched. Embarrassing to be sure, but it does happen. Quite a lot apparently! People seem to think their phones can fly like superman.

4. Can't Hear the Other Person When Making a Call

Can you hear me now? How about now?

5. Pet Knocks Phone onto Floor

Fluffy! No! Bad kitty!

6. Stolen From Purse

The message! Don't leave bags unattended.

7. Internet Connection Not Working

But I've been waiting all week to watch the new episode!

8. Phone Won't Charge

This could be the cable as much as the phone here, but it never hurts to get it checked out.

9. Dropped in the Bathtub or Toilet

You know what? I'm not going to ask. Your new phone is in the mail ma'am.

10. Screen Freezes

Try a hard reset of your phone before making a claim, but if that doesn't do it, then we're here for you! We know how frustrating this one can be.

There are lots of reasons why you might need to make a mobile device insurance claim. Not all of them are pretty or glamorous, but in this day and age, when many people only have a mobile phone or device as their primary means of communication, losing your device for long periods of time can be crippling. If you can't stay in touch with your networks then you run into some potentially problematic situations. That's why you've hopefully got coverage from a mobile insurance provider that you know you can rely on to replace your device quickly, efficiently, and get you back on the road again with your repaired or replaced device.


About the author: Laura Ginn is a professional blogger and avid tech enthusiast. She writes extensively on technology topics, such as mobile phones, computers, software and social media. She also reads extensively and if she's not staring at the screen, she's staring at a page.

How you can get cash when you are in a hurry

Borrowing money can be highly useful. Done responsibly and wisely, it can save you from potential disasters and other looming financial costs.

As such, a lot comes down to the right loan and this in turn, comes down to understanding the different types available and how they apply to you. Small loans are fast and flexible so it helps to know how to capitalise and make the most of them.

Quick payments

These small scale instant cash loans are typically named after their speed more than their small amount. These loans expect a quick turnaround but this also rewards you with quick payment.

Text loans, for example, can be in your account within minutes. The potential benefits for this should be clear, helping and allowing you to resolve any urgent problems almost immediately. Text loans can generally ensure that you receive the money quickly so that it can be spent and used within the day. Having to wait, even if only overnight, adds extra doubt and worry to the situation which is the last thing you need.

Wise lending

As useful as these loans can be, they’re most beneficial when taken out by a wise spender and borrower. These are still loans and should be taken with responsibility and consideration. Yet, if you take one out at the right time, it’s very useful. For example, paying off something now might prove useful if the cost of waiting would increase it. If this increase is more than the loan itself, you have a potentially clear argument to consider borrowing the money and paying it back on pay day.

Likewise, immediate problems and unknown variables might also come into consideration. There are also situations which might not cost you more money directly but can still hinder you. A broken car, for example, can stop you from working. However, a quick text loan could get you the money you need to resolve the emergency situation.

So long as you identify the right times to use a loan, they are always there as a viable option. Text loans ensure that you have this service at your fingertips, adding a layer of security to your financial plans. That said you still need to find the right cash loan and that means investigating all available options.