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  • admin 4:43 pm on June 5, 2014 Permalink  

    Getting Your PPI Premiums Back – Without Being “Stung” 

    Okay, you live in the UK and you want to know if you can reclaim your ppi premiums on a miss sold insurance policy.

    This article is here to explore how you can make this a quick & painless exercise, rather than a long, drawn out affair where you are guessing the best course of action to get your cash back the fastest.

    What are “ppi premiums”?

    PPI Premiums are the payments that have been made on protection insurance policies.  These are the payments that go into the insurance policy in return for the protective insurance.

    With ppi policies, you need to find out if you had been miss sold the insurance at the beginning.  For some people this can be a little difficult because it was a long time ago when they took out the policy, so they will need to cast their mind back to the time when they filed the loan/credit card agreement and actually procured the credit.

    If this is difficult for you though, you can commission the services of a ppi claims firm (, and what these people will do for you is go through your policies and check to see if there is anything related to payment protection insurance contained in them.  This is invaluable for you, as these UK experts will be able to tell you if you have been miss sold any policies, and will also advise you on what they can do about them for you (and whether or not they can take the claim on your behalf, hopefully giving you a successful payout).

    Good companies out there should really charge no more than 20% for a successful claim, with the most expensive amongst them charging in excess of 39% on a no win no fee basis.  This fee is a large one though, and if you shop around (like in the case with ppi claims 4 you) you can get away with paying only 15% (no win no fee), which is a much more appropriate and reasonable fee to pay for such a service, and the process will be made easy and stress-free.

    There are more than 400 websites online in relation to reclaiming your ppi premiums, however you need to check through the terms and conditions when searching through these because services may vary from one claims provider to the next. Tere are some companies that only charge 10%, however the cheapest is not always the best option, so check up on that.

  • admin 1:21 am on January 10, 2014 Permalink  

    Tips For Choosing An Online Psychic 

    Going to a psychic can be an overwhelming experience. There are a plethora of psychics available online, but it can be hard to find one that you know you can trust. If you are choosing to go to a psychic, it is most likely because you are seeking answers to a question you need answered, or because you want to connect with a spirit that has passed one to the other side. Online psychics can make you more comfortable than seeing a psychic face to face, however finding the right online psychic isn’t so easy.

    psychic reader

    Tips for Choosing an Online Psychic:

    • Do Your Research – Before you pay for any online psychic, make sure you do significant research. There are many kinds of psychics out there, and different psychics specialize in certain things. Know what you are looking for so that you hire the right person. This will also help ensure that you don’t become a victim of a scam.
    • Read Reviews – The internet is your greatest resource for reviews and information on reputable online psychics. Odds are, if the psychic you are considering is legitimate, you will be able to find reviews testifying that. The same goes for the opposite. If the person is a scam artist or the site is machine operated (which many of them are), reading online reviews will help you find out before you invest any money.
    • Try and Get a Free Reading First – Many reputable psychics will want you to know that they are for real by offering you your first reading for free. If this is the case, take advantage of this free reading so you can get a feel for the psychic and determine whether or not they will be a good fit for you.
    • Set a Budget – Online psychics are available in a wide variety of price ranges. By setting a budget in the beginning, you can get a good idea of what types of psychics you can afford.

    After your reading, if you feel like you have been scammed by the psychic or the website, there are ways of reporting fraudulent websites to the Federal Trade Commission. This type of behavior is illegal and should be reported immediately so others don’t become victims.

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