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The mis-selling of payment protection insurance has been highlighted in recent times and more people are succeeding when they reclaim PPI.  There have been clear guidelines set out for finance companies to ensure that they sell these policies correctly and consumers are well informed before they sign up.  However if you already have payment protection how can you tell if you’ve already been mis sold PPI? Read through the list of pointers below and if you answer ‘no’ to any of them then you can reclaim PPI:

•Where the PPI was optional to take out, did the adviser make this clear to you?

•Were you informed about the many ‘get out clauses’ that are contained under the policy?  A good example is that you will not get an insurance pay out if you have a medical condition that was in existence before you signed up

•When taking out a finance agreement or loan was it made clear to you that you have to pay for the PPI in a one-off upfront payment?

•If PPI was paid for in a single payment was it also advised that the cost of insurance would be added to your loan and you would also pay interest on it?

•A single premium PPI is typically only for 5 years.  Did the adviser inform you that if your finance agreement or loan was over a longer period than this you would not be covered for the remainder of the loan term?  Moreover, you should also have been advised that you will continue to pay interest on the PPI insurance after its cover period has expired

If you answered no to any of the above you may have a case to reclaim PPI that was sold to you.  At Empire Claims we have experience in helping customers to reclaim bank charges, PPI and credit card charges.

The Article is written by empireclaims.co.uk providing mis sold pp and ppi Services. Visit http://www.empireclaims.co.uk for more information on empireclaims.co.uk Products & Services______________________Copyright information This article is free for reproduction but must be reproduced in its entirety, including live links & this copyright statement must be included. Visit empireclaims.co.uk for more services!

There are few people who have not experienced times in their lives when they suddenly run out of money during the month and cannot pay crucial bills. If you reach this point in the month and need cash loans instantly to cover large household bills or even food or travel money to keep you going until you are next paid you are certainly not alone.

The stress of running out of cash before you are next paid is a very real feeling and it can make a person feel panicked and vulnerable especially if there have pressing unpaid bills or emergencies that have to be dealt with fast.

The UK financial market of today offers the most fast, easy cash loans assistance than has ever been available before.  The most popular type of immediate cash loans available to people in lieu of them being employed is pay day loans.

Essentially payday loans is an easy fast cash service which is popularly used online by those needing to borrow short term cash before they are next paid. Online forms are fast to complete and immediately delivered to the lender so they can make a fast decision on your cash loans request.

Even if you do not have a perfect credit history, it does not necessarily rule you out to qualify for a cash loan with a pay day loans lender. If an online loans form is filled in during the early part of a normal working day it is usual (once your cash application is agreed) that you will have your requested cash loan transferred directly into your bank account the same day.

At 24/7 Moneybox we are a trusted payday loans lender who for many years has been providing customers with a cash life-line and help in easing the burden of a cash crises.

The Article is written by 247moneybox.com providing cash loans and Payday Loans UK Services. Visit http://www.247moneybox.com for more information on 247moneybox.com Products & Services___________________________Copyright informationThis article is free for reproduction but must be reproduced in its entirety, including live links & this copyright statement must be included. Visit 247moneybox.com for more services!

If you are considering payday loans UK be clear on what you are using the cash for and the benefits of having that cash in your hand before you next receive your next monthly pay cheque. Make sure you are clearing benefiting from borrowing instant cash loans and that the money is serving a purpose by covering real emergencies.

Payday loans customers are trusted by their lenders to use their cash loans wisely and not to extravagantly spend the money on luxury items. Taking the irresponsible route of spending instant cash on luxury items will clearly help  accrue another extra debt you will need to pay. Your personal finances for the month ahead will be tighter as payments for debts are higher.

Payday loans UK for many become a regular financial crutch particularly when monthly finances are hard to manage, this can quickly become a monthly pattern of cash shortfall requiring them to take another cash loan, thus begins a never-ending monthly borrowing cycle of debt. If this gets to the point where the date for paying back the payday loans is missed it will incur a higher rate of interest on any outstanding debt.

Of course, for those who wisely borrow payday loans UK to pay for essential items like large penalty fees, bounced cheque charges,  banking charges or household emergencies (which if left will cause untold damages or more expense), then pay day loans become a highly beneficial service to use.  Pay day loans have plenty of positive benefits to offer and will ease financial stresses and save money and time for those who need the cash because of an emergency.

For many years, we at  24/7 Moneybox have been providing the positive benefits of payday loans UK to bridge the shortfall of urgent cash for those that need it most.

The Article is written by 247moneybox.com providing PayDay Loans and Payday Loans UK Services. Visit http://www.247moneybox.com for more information on 247moneybox.com Products & Services___________________________Copyright informationThis article is free for reproduction but must be reproduced in its entirety, including live links & this copyright statement must be included. Visit 247moneybox.com for more services!

There are a number of debt solutions on the market; each has its benefits and its drawbacks depending on the personal, financial circumstances of the individual facing the problem of mounting debt. Of course, as everyone’s financial circumstances are different, they will face different debt problems and the most suitable solution to those problems will differ from person to person. Some facing the most severe financial situations could find that bankruptcy is the best route to freedom from debt. Others could find that an Individual Voluntary Arrangement (IVA) is the best answer to their debt problem. Likewise, it could be that your debt woes are best solved by a Debt Management Plan. Each has their benefits and drawbacks depending on your level of debt. Talk to one of the specialist debt advisors at Debtsolver for assistance in finding the solution that will work best for you. [Read more…] about The Benefits of Debt Management

Bankruptcy is the most severe debt solution on the market. It can often go hand in hand with repossession of your most valuable assets and as a result, it’s commonly accepted that if you’re trying to avoid bankruptcy, it’s often your best option to go for an Individual Voluntary Arrangement.  There are some inherent advantages to the IVA over a bankruptcy order but for assistance in deciding what solution best suits your circumstances, drop by www.debtsolver.co.uk for a free financial health check.

An IVA can write off a significant proportion of your debt. So, provided you stick to the agreed repayment plan, which is normally over a period of 60 months, your creditors will write off any remaining debt. You’ll need to come to an agreement with your creditors, which will be brokered by the debt specialists at Debtsolver. In addition to the remainder of the debt being written off, your creditors will also be petitioned to freeze the interest and additional charges on the outstanding debt. You just have to pay a reasonable, affordable amount each month.

An IVA is also preferable to a bankruptcy order thanks to the added security it provides to your assets. Upon reaching an agreement on the terms of the IVA with your creditors, the chances of having to sell your home or any other valuable asset to pay off your debt is extremely small. This is opposed to bankruptcy as your assets are placed under the control of the official receiver or trustee.

There is no denying that, in the wake of the recession, there is a greater understanding of the multitude of causes behind serious debt problems. However, it is still surrounded by a certain stigma. Another benefit of the IVA is that it can be more private than bankruptcy because it’s not published in your local newspaper and the London Gazette, like bankruptcies. You don’t have to tell your landlord or employers and there is the chance that bankruptcy could cost you your job, not so with an IVA.

For the vast majority of people, an Individual Voluntary Arrangement, or IVA, will be a much preferred debt solution. Bankruptcy can result in the loss of your home; the IVA process will let you keep your house, although it might be necessary to relinquish a proportion of the equity. Bankruptcy is a matter of public record, published in your local newspaper; it’s possible to keep an IVA far more private. To find out which is the best debt solution to suit your financial circumstances, visit www.debtsolver.co.uk and get a free financial health check. One of our dedicated debt advisors will be able to diagnose financial first aid to free you from the burden of bad debt.