Tag Archives: ppi

Reclaim PPI for free

posted by in Debt news, Making money 67 Comments

Check your credit agreementYou’ve probably heard about the mis-selling of payment protection insurance, the “reclaim PPI” adverts, and the huge refunds some people have received. Because of the big payouts that some people are entitled to, claims management companies have sprung up, trying to earn commission by claiming refunds for you.

But reclaiming PPI isn’t as difficult as you might think, and we highly recommend that you reclaim any mis-sold PPI yourself. It’s free, and we can show you how.

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Ofcom talks about unwanted calls and messages

posted by in Budgeting 1 Comment

Ofcom has their say on nuisance calls and texts

Ofcom has their say on nuisance calls and texts

Ofcom recently published its guide on protecting yourself from nuisance calls and messages and they asked us for a guest blog to help promote it.

 

As we’re running a campaign on the harm caused by this menace we were more than happy to oblige.

Want to know more? You can get involved in our campaign here.

We’ve all been there – up to our eyes in work, in the middle of making dinner or trying to stop World War III breaking out between the kids, when the phone starts ringing.

But while you might not begrudge rushing to pick up for friends or family, it’s a different story if it turns out to be someone offering you something you don’t want or need.

Unwanted calls and messages come in different shapes and sizes – from telesales to automated messages, spam texts and even silence.

These calls can be a real nuisance, but there are steps you can take to cut down the number you receive.

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Infographic: Who’s got your number?

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Check out our infographic to see how companies get your data

Check out our infographic to see how companies get your data

There aren’t many things more irritating than nuisance calls and texts.

This is especially true when you don’t know how the caller even got your number in the first place.

Contact from PPI firms, fee-charging debt management firms and payday loan lenders are not only annoying but can cause genuine harm.

People dealing with debt are often bombarded by nuisance calls. We wondered why this was.

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How to deal with nuisance calls and texts

posted by in Budgeting 1 Comment

Worried woman on phone

They’ve rung you again…

It’s dinnertime. You’re just about to tuck into your food and maybe have a catch up with family or watch a favourite TV programme…then the phone rings.

You pick up thinking it might be a family member wanting a chat or your other half saying they’re stuck in traffic. Instead, you’re greeted by a telemarketer.

The clamour of noise you hear can only mean a busy call centre, and already you have an inkling of what’s coming. Your eyes roll as they waffle on about “recent government legislation” or a “debt consolidation scheme“.

Sound familiar?

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Know your rights – January debt news

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January debt news

January debt news

Welcome to January’s debt news – the first of 2013! We think you’ll agree it was a long, long month.

As usual we’ve put together all the latest debt news into one easy to digest blogpost. So, without further ado….

In early January it was reported that 17% of British consumers started 2013 still paying debts from Christmas 2011. The uSwitch survey also found that seven percent of those people questioned couldn’t imagine ever paying off the debt. Continue reading »

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How to deal with spam texts

posted by in Budgeting 1 Comment

Your phone beeps or buzzes and you see that you’ve a new text message.

Will it be from a long lost family member? A flirty message from a lover? A funny joke from a friend?

You bring up the message and your heart sags. It’s just someone trying to flog you a payday loan,  debt management or a PPI reclaim.

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Reclaiming PPI for free works!

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Update: We tweeted about our team’s success in reclaiming PPI for free and it looks like a MoneyAware reader had PPI success too…

A few weeks ago we told our clients that if they want to reclaim mis-sold PPI they should use the free tools and template letters available on MoneySavingExpert.com and Which? rather than expensive claims management companies.

However we like to practice what we preach here at MoneyAware so recently one of the team remembered a loan which he thought included PPI.

Our colleague followed the MoneySavingExpert.com advice on how to reclaim mis-sold PPI for free and lo and behold, six weeks later he received the following letter…

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