The Ease of Making a PPI Claim Today

The Financial Services Authority (FSA) and the banks had a legal dispute over the new claims guidelines proposed by the FSA in 2010. In May of 2011, the FSA won their right to establish the new claims guidelines. It is indeed easier to make a PPI claim nowadays. The FSA had tasked banks to call upon the remaining 10.8 million customers who haven’t made a claim yet. If you are part of the people who haven’t made a PPI claim, you should consider making one now. It is indeed easier to make a PPI claim today.

As soon as the bank confirms that you were potentially mis sold PPI, you will need to prove that you were mis sold the insurance policy and that you were initially ineligible for the insurance policy. PPI is a very helpful insurance product. It ensures that your loan repayments are met monthly even if you suffer income loss putting time off work to recover from accident injuries or sicknesses. You even get the same benefits when you find yourself unemployed. But if you were ineligible for its requirements, you’re truly in trouble.

How you are mis sold PPI by bank representatives and commission-based financial advisers is through their abusive sales tactics. They only highlight the positive aspects of the insurance ‘s benefits without considering if you were compatible with its terms and conditions. Most mis sold PPI victims are those with multiple financing and a risky or dangerous job. First, they explain to you the benefits above, then they examine your financial situation and then highlight how the PPI can help you maintain them. This has urged many customers, trusting the knowledge and expertise of their financial advisers, to purchase the insurance.

The PPI claims process, being easier, only needs you to fill up a PPI claims form and submit it to the Financial Ombudsman. You can also call or wait for the call of your banks about the insurance claims. If you find that your bank has not called you and you understand you have a mis sold PPI, you can call on claims experts at for help.

UK Citizens Aged Between 25-44 Considered As Country’s Heaviest Drinkers

Based on the Statistics on Alcohol, adults aged between 25 to 44 years old are considered the UK’s heaviest drinkers in hiding. Recent statistics indicate that these individuals drink much regularly and much more than young adults. The statistics show that adults mostly drink at least six or eight bottles of alcohol a day among the men and women aged 25-44. Respectively, 25% of men and 20% of women have achieved this particular feat.

The chief executive of the Drinkaware alcohol education charity group , Chris Sorek, states that it is something great to see a fall in the average weekly alcohol consumption among young adults. However, the results of their efforts still seems far as many young adults still binge on alcohol, increasing their dependence on the substance’s capability to relax and somehow ‘loosen’ them up.

The British Medical Journal notes that a person should just drink around 5g of alcohol a day. This is in contrast to the Government recommendation of having 24-32g of alcohol a day for men and a bit less for women, dropping to 16-24g.

Drinking is probably one of the most hardest to avoid vices in the country. While alcohol can clean the blood and the body, binge drinking can harm the kidneys and the liver. It is estimated that the recommendation of 5g by the British Medical Journal can save around 4,600 lives yearly in the country.

Source: Morning Advertiser

Northern Ireland Having Troubles With A&E Breaches in Five Health Trusts

A local news network discovered that five Northern Ireland health trusts have breached their A&E waiting time and targets. The network has found that performances in Northern and Belfast trusts were extremely inadequate. The year-end figures show the high pressure of the accident and emergency departments in the area.

It was estimated that a total of 10,213 breaches were committed by five of the health trusts. These are patients who weren’t seen within the 12-hour target which patients must be seen. In 2010-2011, there were only 7,386 of these patients who were not met within 12 hours of their waiting time in the hospitals. However, an estimated 80% of patients were admitted within their arrival during the last year.

John Compton, the medical board’s chief executive are said to meet with other board members to discuss the issues that raise the many problems of the emergency departments in North Ireland. Health committee briefing papers suggest that there was a 751% rise in the breaches of A%E in the country since 2007.

Many health officials, including the health minister and the Health and Social Care Board’s chief executive claim that the service cannot be sustained properly in the near future.

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The Queen’s Monarchial Lunch Takes Fire From Controversies

Invited to the royal lunch hosted by the Queen herself are the King of Bahrain and Swaziland’s King Mswati III, two of the most controversial monarchs presently. Following the lives of the two monarchs, it is said that the King of Bahrain as a human rights violator and King Mswati stepping on his people while he lives a luxurious lifestyle.

The Queen is criticised by many because of her invite of “Royal Tyrants”, as Campaigner Peter Tatchell describes the guests, in celebration of her Diamond Jubilee. The presence of the two totalitarian monarchial figures spark protest from pro-democratic campaigners and political prisoners.

The Buckingham Palace has not commented on the issue.

Given the particular background of the two monarchs, many other critics see it as a ‘diplomatic gesture’ or just having ‘guests’ of the same integrity of royalty fit for the guests the Queen should certainly have. However, is not the reaction of the public being too judgemental about the guests? Certainly, part of it is, given the evident violations the two monrachial figures have exhibited.

On Thursday, former Foreign Office Minister Denis MacShane criticised Bahrain for doing “such terrible things to its own people since the Arab awakening a year ago”.

He said Arab nations “must let their citizens vote in free elections and let them speak without fear of arrest, torture or death”.
“For too long we have turned a blind eye to the repression carried out under the rule of royals in Arabia – the Foreign Office should protect the British Queen rather than expose her to having to dine with a despot.”

On Wednesday, meanwhile, a group of UK-based Swazis protested outside the Savoy hotel, in London, where King Mswati – who is widely accused of profligate spending – is thought to be staying.

The Swazliand Vigil group said it had written to the Queen to ask her to influence the king.
Spain’s Queen Sofia has pulled out because of a dispute over Gibraltar

King Mswati is rated by Forbes magazine as the world’s 15th richest monarch with a personal fortune of $100m (£62m) – while many of his 1.2 million subjects live in poverty.

Saudi and Kuwaiti royals are also attending the banquet.

Amnesty international has recently highlighted repression in Saudi Arabia, as the authorities there crack down on protesters and reformists.

And Human Rights Watch has criticised Kuwait for the suspension of a daily newspaper and the conviction of its editor for incitement.

Meanwhile, Queen Sofia of Spain will not be attending because of a dispute over fishing rights off Gibraltar, a UK territory that Spain also claims.

The Spanish government statement said it was “hardly appropriate” for the 73-year-old to attend the lunch.
Her husband, King Juan Carlos, had already declined an invitation because he is recovering from a broken hip.
BBC diplomatic correspondent, Bridget Kendall, says that two problems always hung over this Diamond Jubilee lunch list – the possibility of protests at the inclusion of the despots and non democrats among the invited crowned heads of states, and the risk of diplomatic spats intervening.

Gibraltar has been the cause of a no-show by Spain before at a royal occasion. Spanish royalty stayed away from Prince Charles’ wedding to Diana, Princess of Wales, in 1981 because the honeymoon was to include a stop in Gibraltar, our correspondent added.
Other members of the British royal family, including the Duke and Duchess of Cambridge, Prince Harry, the Earl and Countess of Wessex and the Duke of York and Princesses Beatrice and Eugenie will also be at the lunch.

Source: BBC News