* How long will my claim take?
All claims are different, but chances are it’ll be around three months.
* Will I need to pay anything upfront?
Definitely not. We pay all our own costs to pursue your claim.
* Will I be charged if my claim fails?
No.
* Does the policy itself have to be unreasonable or defective for me to win?
No, you have a valid claim if you were pressured into taking out the policy, or if the real costs and conditions were not made clear at the time.
* Will you claim back 100% of my premiums paid?
Yes, and this will be repaid to you in full, less our fees.
* How do you make your money?
There's nothing to pay upfront. When we’ve recovered all your premiums plus compound interest, we take a 25% fee plus VAT.
* If I’ve closed my account some time ago, can you still help me make a claim?
Yes. In most cases, we can reclaim charges for the past six years irrespective of whether the account is still open.
* Can you still help me if I’ve already started a claim against my insurance company?
As long as you have not taken your case to the Financial Ombudsman Service, we usually can. To enable us to take over the litigation, we require all the documentation by recorded delivery post. But please call us first to discuss your individual situation.
* How do I complete the consumer questionnaire
Do you need help completing the Payment Protection Insurance: Consumer Questionnaire? Click Here to get the step by step guide or call 0800 804 8425 to speak to an agent.
* What if my question isn't answered here?
Feel free to call us on 0800 954 0817 and speak to one of our highly trained Advisers, who will be happy to help.
Friday, August 6, 2010
Other types of Payment Protection Insurance
Other types of Payment Protection Insurance:
*
Mortgage Payment Protection Insurance - Often called MPI or MPPI.
*
Accident Sickness and Unemployment Insurance - Often called ASU
*
Critical Illness Cover - Often mistaken for Life Insurance
Payment Protection Companies:
It is highly advisable to seek the advice of a fully qualified FSA regulated Financial Adviser, to ensure the correct provision of the most suited payment protection product. There is never a "One-Size-Fits-All" product, as everyones needs are unique to their individual circumstances.
*
Mortgage Payment Protection Insurance - Often called MPI or MPPI.
*
Accident Sickness and Unemployment Insurance - Often called ASU
*
Critical Illness Cover - Often mistaken for Life Insurance
Payment Protection Companies:
It is highly advisable to seek the advice of a fully qualified FSA regulated Financial Adviser, to ensure the correct provision of the most suited payment protection product. There is never a "One-Size-Fits-All" product, as everyones needs are unique to their individual circumstances.
Loan Payment Protection Insurance
Loan protection insurance normally covers all of the loan repayment for the remaining period of the loan or until you return to an income, whichever is sooner. The majority of loan insurance providers will provide unemployment cover for a 12 month period, usually commencing 30 days after you lose your job, become ill etc.
The finer details:
*
Life cover loan insurance:
They will not normally pay life benefit if your death results from suicide within 12 months of the start of the cover.
*
Accident/sickness cover:
They will not normally pay if a disability results from any sickness, disease, condition or injury which you knew about or should have known about during the 12 months before the start date; normal pregnancy; self inflicted injuries; alcohol or drug abuse; chronic conditions; civil unrest, war, terrorism or nuclear radiation.
*
Unemployment cover:
They will not normally pay if you were not in continuous work for 6 months immediately before your employment ended; if at the start date you knew you were going to be made unemployed; if your employment ends within 30 days of the start date; if you become voluntarily unemployed; if you work on a fixed term contract which ends unless you have been in continuous work with the same employer for at least 24 months and your contract has been renewed at least once; if unemployment results from your own misconduct.
NB: Your cover will end if: you die; or reach 65; or the date of your earlier and final retirement; or when your loan agreement ends; or the day before the fifth anniversary of the start of cover; or the date on which all amounts are paid under the credit agreement; or the date you cancel the cover.
The finer details:
*
Life cover loan insurance:
They will not normally pay life benefit if your death results from suicide within 12 months of the start of the cover.
*
Accident/sickness cover:
They will not normally pay if a disability results from any sickness, disease, condition or injury which you knew about or should have known about during the 12 months before the start date; normal pregnancy; self inflicted injuries; alcohol or drug abuse; chronic conditions; civil unrest, war, terrorism or nuclear radiation.
*
Unemployment cover:
They will not normally pay if you were not in continuous work for 6 months immediately before your employment ended; if at the start date you knew you were going to be made unemployed; if your employment ends within 30 days of the start date; if you become voluntarily unemployed; if you work on a fixed term contract which ends unless you have been in continuous work with the same employer for at least 24 months and your contract has been renewed at least once; if unemployment results from your own misconduct.
NB: Your cover will end if: you die; or reach 65; or the date of your earlier and final retirement; or when your loan agreement ends; or the day before the fifth anniversary of the start of cover; or the date on which all amounts are paid under the credit agreement; or the date you cancel the cover.
Wednesday, June 23, 2010
school loan consolidation
2010 school loan consolidation, loans and student loan offers and ads:
New: Student loan consolidation @ ScholarPoint. Find Federal and private student loan consolidation detailed info and step by step articles. Addresses student loans topic areas such as private student loan consolidation insight and offers, usually from multiple companies. .
Student loans have a way of taking over a borrower’s life. The longer you study, the more complex and increased the loans can become. A good way to get a handle on those loans and take control of your financial future is through a school loan consolidation program. Note: find school loan info for new school loans
Student Loan Consolidator dot com is not a United States Government website or associated in any way with the William D. Ford Federal Direct Loan Program, the U.S. Department of Education or Federal Student Aid.
For all intent and purposes, school loan consolidation programs are not beneficial all the way around. Debt Consolidation and Loan Consolidation can possibly reduce your monthly payments and streamline the loan repayment.
Once your student loans are consolidated, you no longer have to fret over numerous payments with different due dates. When consolidating, you can also capture your debt into a fixed interest rate that is usually smaller then what your original loans were financed at. Read more about consolidating school loans..
For more see Student Loan Consolidator dot com
New: Student loan consolidation @ ScholarPoint. Find Federal and private student loan consolidation detailed info and step by step articles. Addresses student loans topic areas such as private student loan consolidation insight and offers, usually from multiple companies. .
Student loans have a way of taking over a borrower’s life. The longer you study, the more complex and increased the loans can become. A good way to get a handle on those loans and take control of your financial future is through a school loan consolidation program. Note: find school loan info for new school loans
Student Loan Consolidator dot com is not a United States Government website or associated in any way with the William D. Ford Federal Direct Loan Program, the U.S. Department of Education or Federal Student Aid.
For all intent and purposes, school loan consolidation programs are not beneficial all the way around. Debt Consolidation and Loan Consolidation can possibly reduce your monthly payments and streamline the loan repayment.
Once your student loans are consolidated, you no longer have to fret over numerous payments with different due dates. When consolidating, you can also capture your debt into a fixed interest rate that is usually smaller then what your original loans were financed at. Read more about consolidating school loans..
For more see Student Loan Consolidator dot com
Saturday, June 19, 2010
Comprehensive Coverage & Collision Coverage
Comprehensive Coverage: -This coverage protects and pays you with a deductible you choose in the event of accidental loss to your car if it is stolen; vandalism, or to a natural disaster.
Collision Coverage: -Collision reimburses the full cost of repairs and replacement if your car is damaged by an accident; even you are found at fault for an accident.
Which auto insurance is best for me ?
Which auto insurance is best for me ?
Auto Insurance Liability: -This coverage, which is required in most states, compensates the driver and passengers of the other car, pay for repair and replacement of other's car or property up to the limit you select. It also provides for a legal defense if another party in the accident files a lawsuit against you. The main consideration here is protecting your assets against lawsuits that arise from auto accident.
State minimum liability is usually quoted as a three part number like "100/300/50" where,
- First number refers to bodily injury liability maximum for one person injured in an accident.
- Second number refers to bodily injury liability maximum for all injuries in one accident.
- Third number refers to property damage liability maximum for one accident.
When you are buying liability insurance, it is always a better idea to buy more than the minimum insurance requirement which vary depending on the state you live in. If the damages exceed the liability limit, you may face a situation where you would have to pay personally when there is a liability claim.
Find a Fast, Cheap Auto Insurance Quote Online
Find a Fast, Cheap Auto Insurance Quote Online
If you’re looking for the best auto insurance quote online, then you are just a few mouse clicks away from securing an affordable online auto insurance rate that provides the best coverage options with the most convenient, easy-to-use application process available on the internet.
There are a host of sites on the Internet promising affordable, free online insurance quotes, but we not only have the resources to secure you the least-expensive, customized auto insurance quotes, but have streamlined the process to get you the insurance you need without the usual hassles.
Sunday, June 13, 2010
Planning For a Students Loan: Information one should Know
Planning For a Students Loan: Information one should Know
Education nowadays has become so costly that further education is simply impossible without students loans. Students have the best option for obtaining a loan with innumerable private and public loan programs available to them. There are many different types of student loans. To build a good society we need everyone to be educated and here is where a students loan comes handy.
Certain student loans not only funds your education, but assists in your housing allowances and school related expenses as well. Loans are planned in such a way that your education is not hindered because of them, and you can start paying once you have completed post graduation or have started working, because it is not possible to ake loan payment while you are still studying. Though you might think that this loan might be an unwarranted burden on you, but trust me the results that you will reap after being educated and securing a decent job will be priceless.
Some tips you need to consider before you go for Students loans:
1. Make a list of the amount you need to cover your education.
2. Do a market survey on people who are lending loans at lowest rate of interest.
3. You should be able to make a repayment of you loan online to save your time and also save on the interest charged by paying the loan on time.
4. Even if you don’t have a credit history, this loan will be best in starting one. This way you can have a responsible credit history which might be helpful in future.
5. You can also avail the help of any financial advisor who will guide you to the lender offering the best repayment options as well as biggest discounts.
6. Before signing upon the loan deed check all the terms and conditions carefully.
There are many types of student loans, and you can get any student loan from these:
Following up the bills of education for school or college is tough job for students not hailing from well to do families. This is why agencies are there to fund these students.
Federal student loans: There are three kinds of loans offered by the government.
Stafford loan
Federal Perkin and
Federal plus
Depending on your needs, Stafford Loan can be acquired either from a bank or directly from the government. Here you can defer the payments till graduation, by capitalizing of interests involved.
Federal Perkin loan offers lowest rate of interests to students in great need of finances.
Federal plus is offered based on credit histories of parents and students.
Private agencies, banks and loan companies offer private student loans to help meet all the costs of school. Before applying for a private student loan, see to it that the interest rate details are spelled out and understand what these rates mean. Many college student are borrowing private student loans to cover tuition and school expenses. Compare before you apply!
Other: Once you are employed, you could ask your company financial aid program. There are companies that offer some part of the loan payment for their workers who wish to enhance training in their line of work.
Tuesday, March 23, 2010
Federal Student Loan Consolidation Payment Relief
Federal Student Loan Consolidation Payment Relief
One of the key benefits of consolidating your federal school loans is payment relief. By combining all of your student loans into one consolidated loan, you can lengthen your repayment term from the standard 10 years to up to 30 years, depending on the amount of your education debts. With a lower monthly payment, you'll have more money available to meet other living expenses, including car payments, housing expenses, and career-related necessities. Because there are no penalties for overpayment, you can make larger payments and reduce your repayment term when it becomes affordable. Learn more about how student loan consolidation works in this step-by-step tutorial.
What Qualifies for Federal Student Loan Consolidation?
Federal loan consolidation can include Federal Stafford Loan consolidation, PLUS Loan consolidation, Direct Loan consolidation as well as Perkins Loans, HEAL Loans and all Federal FFELP and Direct Loans taken to pay for your education. Private student loan consolidation is different - You will lose your federal loan benefits if you consolidate your federal loans into a private loan consolidation.
Managing Existing Student Loan Debt Obligations:
1. If you're having trouble meeting your student loan payments, contact your loan servicer. You may qualify for a deferment, forbearance, or repayment alternative that is more affordable.
2. Consolidation can help by extending your loan's repayment term beyond the standard ten years. While this will increase the total interest charges, the monthly payments will become more manageable.
3. Watch your expenses! Just as you need to be cautious when you're in school, you need to be aware of your expenses after you leave school.
4. Limit credit card usage to absolute necessities. Remember you'll pay more for every charged item because of the credit card's finance charges.
5. If you must have student credit cards, shop around for low interest rates or call existing credit card providers and ask them for a lower rate.
6. If you are delinquent or in default, visit our Student Loan Default Assistance page for more help.
One of the key benefits of consolidating your federal school loans is payment relief. By combining all of your student loans into one consolidated loan, you can lengthen your repayment term from the standard 10 years to up to 30 years, depending on the amount of your education debts. With a lower monthly payment, you'll have more money available to meet other living expenses, including car payments, housing expenses, and career-related necessities. Because there are no penalties for overpayment, you can make larger payments and reduce your repayment term when it becomes affordable. Learn more about how student loan consolidation works in this step-by-step tutorial.
What Qualifies for Federal Student Loan Consolidation?
Federal loan consolidation can include Federal Stafford Loan consolidation, PLUS Loan consolidation, Direct Loan consolidation as well as Perkins Loans, HEAL Loans and all Federal FFELP and Direct Loans taken to pay for your education. Private student loan consolidation is different - You will lose your federal loan benefits if you consolidate your federal loans into a private loan consolidation.
Managing Existing Student Loan Debt Obligations:
1. If you're having trouble meeting your student loan payments, contact your loan servicer. You may qualify for a deferment, forbearance, or repayment alternative that is more affordable.
2. Consolidation can help by extending your loan's repayment term beyond the standard ten years. While this will increase the total interest charges, the monthly payments will become more manageable.
3. Watch your expenses! Just as you need to be cautious when you're in school, you need to be aware of your expenses after you leave school.
4. Limit credit card usage to absolute necessities. Remember you'll pay more for every charged item because of the credit card's finance charges.
5. If you must have student credit cards, shop around for low interest rates or call existing credit card providers and ask them for a lower rate.
6. If you are delinquent or in default, visit our Student Loan Default Assistance page for more help.
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