PPI Claim: When Should You File

The consumers are now more concerned regarding the issue of PPI. This is because of the alarming news that consumers who were mis-sold of the PPI who made a claim were rejected. The news from the Birmingham Post reported a decline of one third of the claims that were filed nine months before April 2013. 

Seeing that they have mis-sold the policy and their claims getting rejected, they have seen this issue as unjustifiable. Because of such events, they are led to take another action and this action means taking the complaint to a notch higher. This involves filing a case to the FOS or the Financial Ombudsman Service. Currently, the FOS is already swamped with claims that are yet to be resolved. 

 

There are over 6.9 million mis-sold PPI policies according to experts. These mis-sold PPI has yet to be claimed. There is no doubt, a lot of consumers are taken away of their money that should be rightfully theirs. The issue was even made more alarming of the news that banks have pushed for deadlines in filing a claim. If a customer wants to take what is rightfully his, he should double time in filing for a claim. However, a question often asked by many consumers, are they eligible to make a claim and why you should file a PPI claim now

According to experts, the thing about PPI being mis-sold is because the consumers are not informed that they are already purchasing the policy. Most of their cases were of customers not knowing they have already purchased it. Other cases are also those being sold of the PPI but the policies were not properly explained to them which got them confused. 

If you belong to the people who do not really need the policy or should have been deemed ineligible, contract or seasonal workers, freelancers, you cannot make a policy claim according to experts. However for those consumers who have a comprehensive benefit scheme as part of their work and were sold PPI, they are eligible to file for a PPI claim.

The first thing to do if you discover that you have been mis-sold with the PPI is make sure you have all the paperwork ready. In the case of misplacement or lost papers, you have the option to ask information from the credit reference agencies. If you have already the paperwork intact, you can then proceed to your bank and check for your account if you are one of those people who have been mis-sold of the PPI.

To save you from draining all your energy and precious time in filing a complaint, you can take advantage of the service of a claims company and theirs is no better time to file a claim than today especially that there is news of banks pushing for deadlines.

The Advantages Of Building In Rammed Earth

The famous story of “The Three Little Pigs” had influenced a lot of property builders. This story showed three different houses made out of different materials. The two houses made from straw and wood were easily destroyed and the other one made of bricks had made the wolf huffing and puffing in futility. This should also be the case in your own home. It should be protected from the big bad wolf, so you have to make sure that the materials used in the construction of your property are strong enough to withstand any destructive elements that may come such as earthquakes and fire. 

One of the most favorable material and technique used in construction nowadays is called rammed earth. This method involves building walls by compressing a damp mixture of earth that has components of sand, gravel and clay into a supported frame. Below are the valid reasons why you should consider rammed earth over the others.

1.   These walls contains thermal mass that gets cool during the daytime and warms up as it cools down outside. This is due to the thermal flywheel effect where the walls actually hold in warmth and eventually exude it about 12 hours later. Aside from this, the unique thickness of the walls also permits noise reduction. This is certainly ideal for properties situated along highways and loud areas. 
2.  Rammed earth houses are protected against termites and other pests. The walls have reduced amount of termite-tempting structural timber. Pests will not have any cavities to live in due to these load bearing walls. In addition to this, these kinds of walls require very minimal maintenance. Once they are built and sealed you don’t have to give further attention for about 10 to 20 years.
3. It is fire proof.  This kind of structure doesn’t burn. This ancient building construction that consists of earth, water and cement will not be destroyed by a devastating fire. Commonwealth Scientific and Industrial Research Organization or CSIRO tests showed that a 250mm block wall has four-hour fire resistance while a 150mm block can actually give 3 hours and 41 minutes fire resistance.

    Many architects now are using this method of construction in both commercial and domestic buildings of many  styles and functions. This involves natural elements that blend beautifully with the environment and modern designs. It creates safer and people-friendly buildings that make it very comfortable to live in. Moreover, it can provide you with structural solidity and security that is hard to find with other types of construction.

Factors To Check For When Considering Relocation Services - Dubai Relocators Should Hear This Out

Dubai is speedily becoming the favorite destination for the rich and famous. Once a nomad land, you can no longer trace any sign that it was at one time uninhabited. If you are considering the place, expect to witness high-tech projects, underwater hotels, and bewitching theme parks that are considered to be bigger than the Disneyland.

 

If you are completely captivated by the place, if you’re feeling more than just curious about how cool this place is that you are already considering transferring to Dubai, you have to get an expert’s assistance especially when it comes to your documents, visas, accommodation and other aspects that are part of moving to a place. Good thing there are relocation services relocators would truly appreciate. Here are some benefits of relocation services in Dubai.

Legal paperwork. In moving out especially in a different country, of all things, you will need a bunch of legal paperwork to be processed. You need to get your resident visa to get practically everything worked out like your bank account, labor card, internet account and a liquor license. In securing the visa, you will need to provide your birth certificate, degree certification, education documents, marriage certificate for married people and six months bank statement. Getting the necessary requirement for your visa could be a stressful process. 

Relocation companies could serve as your liaison officer and they could take care of everything. You will have a stress-free moving to Dubai.

Navigating the city. In Dubai, you can only expect to witness a lot of establishments you could get lost on your way. You could find there free zones specific to businesses like the Media City which is composed of publishing, broadcast facilities, news agencies, d agencies, etc.. There are also zones of internet city which contains IBM, Siemens, Microsoft, etc. There is also the Knowledge Village which you can expect to see universities  and professional centers. There is also the Al Jumeirah Road and the busy area of Deira which are the coastal areas.

Making your way through these places, you would certainly need someone to show you around or you get at least an orientation so that you will have an easy time finding your way to groceries, clothes, appliances and towards your home. The relocation company is simply the perfect company for the job.

The other factors you will need are cultural education, spousal support, and home search which the relocation company could all assist with. This way you will have a stress-free moving.