If we will believe the reports from the Financial Services Authority Eric Dier Hotspur Jersey , there are about 3 million British who were offered payment protection insurance by the banks and financial lenders through mis-selling or non disclosure of vital information. The whole ppi claims is believed to be worth around 2 billion pounds. Although, the Compensation Commission has now launched a ban on sale of payment protection insurance at the same time as credit cards, loans and mortgages, there is much more to be completed to assist the victims of ppi mis-selling.


For individuals who do not know, ppi or payment protection insurance covers loan repayments if a person is unable to pay back his or her debts because of unforeseen circumstances like accidents Harry Kane Hotspur Jersey , illnesses or loss of job. Although these are commonly sold with a number of financial products, nearly 90% of policies sold relate to unsecured loans, credit cards and mortgages. These loans are commonly disguised under different and fancy names like loan and credit protection, accident, sickness and unemployment cover. When banks or financial lenders sell ppi Hugo Lloris Hotspur Jersey , claiming a no PPI, no loans clause, the consumer is qualified to receive compensation and may even make ppi claims to the Financial Services Authority.


Also, if a customer has a policy running and was sold a ppi within the past six years and it had expired, the client has a legitimate ground to generate ppi claims for compensation. To do so Authentic Davinson Sanchez Jersey , he would have to make the original papers in connection with the insurance plan. As earlier said, when the seller gives the client no other choice than the plan provided by him, the client is liable for compensation from the banks. Also, if the seller hasn’t read out the terms and conditions that include a cooling off period he or she is liable to pay compensation.


Payment protection insurance is regularily mis-sold to many people with pre existing medical conditions like heart complaints, high blood pressure Authentic Jan Vertonghen Jersey , asthma, diabetes, high cholesterol and even migraine, totally conscious that insurers deny ppi claims for these medical conditions. Also, people who have an irregular Authentic Toby Alderweireld Jersey , insubstantial and variable source of income cannot create ppi claims whereas banks and mortgage companies have sold ppi to a number of people failing under this category.


Once you have ascertained that you’re eligible for a ppi; the next step is to then file for ppi claims with the bank or financial lender. If the financial institution is unrelenting, you may get a letter from the bank and proceed to the Financial Services Authority to file your ppi claims for compensation. You could also speak to a ppi claims organization that might enable you to reclaim the full ppi premium, the interests and commissions that go together with it.


Harry Tomas blogs about PPI claims and other financial products for UK based website www.PPIClaimsUK.co. He also covers unfair loan charges and the financial claims niche generally, as well as writing pieces on personal finance, house sales Authentic Danny Rose Jersey , repossession and business finance.


You Can Reduce Turnover with these Four Steps Business Articles | November 16, 2009
Turn over is generally something most companies can dramatically reduce if they put their minds to it. The cost savings can be enormous by just reducing turnover by 10%.


1) Turnover often starts with a bad hire. Often a bad hire results from a poor hiring process. In many companies the hiring process is random, unstructured and riddled with incompetent people. Hiring managers usually wait until they need someone before starting the hiring process. After two or three months of interviewing they have one or two good solid below average candidates, but won?t make a decision until they at least three good solid below candidates. By this time they are desperate and we all know what kind of decisions we make when desperate.


Couple that with most hiring managers are not really competent or comfortable with interviewing and is it any wonder why hiring often fails? A few hiring managers are really good at hiring, but most simply ask the same questions they were asked when they interviewed. Few probe deeply into the candidate?s ability to deliver the performance the hiring manager expects. So the candidate?s expectations once on board do not align with the hiring manager?s. Leaving the hiring manager to think Authentic Juan Foyth Jersey , ?You?re NOT the person I hired.? (A great name for a book).


There are many more reasons for the hiring process to fail but these are two big contributors.


If your company wants to reduce turnover the first step is developing a structured, repeatable process with trained competent people. To see a list of steps in an effective hiring process CLICK HERE.


2) Lack of effectively training new employees. This is not an orientation program. It is formal training program to ensure the person is well trained in the tools, resources, industry jargon, processes or regulations Authentic Dele Alli Jersey , and systems necessary to deliver the performance standards the hiring manager expects.


Too often hiring managers can?t find the right person so they hire a lighter person and ?will train them once on board.? YEA RIGHT. Even entry level employees need some structured training program to come up to speed. If the company doesn?t provide effective training the highest potential employee will become frustrated and eventually quit. Nobody wants to come to work every day frustrated because they were not properly trained.


3) A boss they can respect. We often hear how candidates put on their best face during the interview. Candidates are on their best behavior so it is hard to get to the real person. This is also true of hiring managers. Once on board candidates often think, ?You?re NOT the person that hired me??


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