PPI Deadline is Drawing Closer!

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The PPI deadline is the 29th of August 2018! Are you sure you don’t have a claim? It costs you nothing to find out, just give us a call on 01942  619911 and we will do the rest! You may have had your claim rejected but it’s still worth giving us a call and you may find that you are entitled to £1000’s, you have nothing to lose!

Start your Claim Today. Don’t Miss the Deadline. No Obligation Enquiry. Types: No obligation enquiry, Reclaim what you’re owed, Don’t miss your chance, Get mis-sold PPI returned, You could be owed £1,000s.

Over £20 billion has already been repaid, but it’s just a fraction of what may be owed. So even though the deadline’s a way off, don’t dawdle. From August the regulator will spend millions marketing the cut-off, likely clogging up the system, so do it now to get to the front of the queue.


How safe is my pension

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The FCA has said it remains in most people’s best interests not to give up a defined benefit pension, which pays a secure, indexed income for life.Concerns have risen that some advisers are encouraging transfers by using doubts over the security of company pension funds.

Others have warned that employers were stoking interest in transfers, by offering to pay transfer advice costs for members.Pensions rules require those with defined benefit scheme rights worth more than £30,000 to obtain advice from a regulated independent financial adviser before they can transfer, but can you be sure that the advisor has your best interest in mind or is being driven by large commission incentives?Savers who withdraw regular chunks of cash from their pensions risk £13,500 being gobbled up by expensive funds over their retirement money Mail today reveals how insurers are hitting loyal customers with hefty fees when they try to use the pension freedoms to dip into their pots.In most cases, insurers offer to move savers’ cash into a small range of investment funds — unless the customer makes a special request.

But few savers realise there is a huge difference between the charges on the cheapest and most expensive plans.f a pensioner’s pot is fed into an expensive fund by default they could also run out of cash up to five years earlier than if they switched plans.Campaigners warn that savers face a new pensions scandal — and have called on the Government to intervene.


PPI? It’s not too late to make a claim!

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The Financial Conduct Authority has issued a deadline notice on August 29, 2019 for payment protection insurance.

If you haven’t made a claim yet, then make sure you do so before the deadline as is believed that many consumers may make their claims “at the very last minute,” which can terribly slow down the PPI claims process of many banks and its own logistics.

A recent investigation by Channel 4 undercover journalists revealed that 500,000 PPI claims may have received improper judgement from the Financial Ombudsman Service. According to the probers, some interviewed employees mentioned making decisions without investigating all details thoroughly to meet strict deadlines for pay rises and promotions.

For some customers, the deadline represents a second opportunity to receive compensation: 1.2 million customers previously rejected are being told they may have other grounds for complaint.

If your PPI claim has been rejected by the bank contact us today as it may be possible to re-submit your claim.


Am I a Victim?

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Key things to remember about financial mis-selling:

  • It’s not about whether you lost money – even if you didn’t lose out, if the product isn’t right for you – perhaps it’s a riskier investment than you wanted – you can still make a complaint about financial mis-selling.
  • You can’t complain just because an investment performed badly – some investments are risky, and if you take a gamble you have to accept that you might lose. But you can complain if you weren’t told about the risk.

Some ways you might have been mis-sold your investment:

  • you weren’t told about the risk involved
  • you weren’t told how your money would be invested
  • the product didn’t suit your needs or attitude to risk that you discussed with the adviser.

There are many reasons and ways in which you may have been mis-sold a pension, they are one of the financial products that have been most commonly and widely mis-sold by banks and other financial institutions.

How can I tell if I have been a victim?

  • You were not given all the information necessary to make an informed decision.
  • You were advised to take out a personal pension even though your company scheme would have given you a better return.
  • You were under pressure to make a decision and were not given enough time to shop around for a better deal
  • The adviser failed to ask about or take into consideration any pre-existing medical conditions.

If any or all of the above statements apply to you, you may be entitled to compensation so contact us today on 01942 619911 and speak to one of our advisors, it may be the best thing you have done today!

 


Beware of Pension Scams.

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Protect yourself from the Pension scammers.

How can you identify a pension scam? The following points may stop you from falling into the pension trap!

  • If you think that you have been scammed act now! If you’ve already signed something that you are now unsure of contact you pension provider immediately, they may be able to stop a transfer that has not gone through yet.
  • Unsolicited phone calls, text messages or emails about your pension are nearly always scams. The often claim to be from Pension Wise or some other Government backed body. These agencies never contact you to offer a pension review.
  • Beware of unregulated offers offering a guaranteed return on your investment. These often include offers of overseas investments in hotels etc. don’t be rushed into making a decision based on ’time-limited’ offers. Take your time to make all the checks you need even if it means missing out on an amazing deal!
  • Often scammers will pose as financial advisers. Check that they are regulated on the FCA’s website. Don’t be fooled by smart brochures or web sites, even those that feature information about scammers.
  • Don’t let a friend talk you into an investment, do your homework. False confidence can lead to getting stung with a pension, and it may be years before you find out that you have been scammed!

If you think that you have been fooled into invest in a scam pension scheme contact us to day on 01942 619911.


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