Despite the generally poor economic situation the consumer finance market in the UK reported significant growth in 2012, according to figures collated by the Finance and Leasing Association (FLA). The figures claim a general growth in lending of around 6% over the whole of 2012, with certain areas showing more serious growth than others. The figures suggest that restrictions on consumer lending have eased of late, with more people than ever before borrowing at a time when the opposite may have been expected.
Cars and High Street
The main areas of growth appear to have been in lending on car finance and in high street shops – where store instalments are in growth – and there are other areas where people have been showing an increased propensity to borrow. Point of sale credit is among the fastest growing areas of borrowing, and it would seem that many people are looking to borrow to boost flagging incomes in times of hardship. Be careful of buying PPI along side a loan and if you think you’ve been mis sold visit www.PPITemplateLetter.co or another reclaim site.
Car Credit Jump
The rapid rise in car finance credit – up by 22% over the previous year – indicates increased consumer confidence, while the 15% jump in in-store credit is also indicative of a change in the financial markets. Store cards, on the other hand, are showing a move in the opposite direction with a fall in uptake of over 15% in the year, perhaps indicating that there are better deals to be had with instalment credit and other forms of finance.
Credit Cards and Loans
The market for credit cards and personal loans, according to the FLA figures, is pretty much static at the moment with an overall fall of just over one percent, although there are signs that the loans market is about to take a turn for the better with interest rates at an all-time low. The ongoing financial crisis is still in full effect, but with these latest figures comes a sense of optimism that can only be described as positive. 2013 promises a sea change in the way we are borrowing if last year is any indication, and it will be interesting to see how things fare in the next 12 months.
US rapper Gucci Mane faces an aggravated assault charge after hitting a fan with a champagne bottle at an Atlanta nightclub this month. Mane, or Radric Davis, caused a severe laceration to the fan who approached him to “strike a conversation”, which led to the violence. Mane left the nightclub before the police arrived.
He turned himself in to the authorities on Tuesday at the Fulton County. The sheriff’s office records confirm the report. His first hearing on Wednesday did not go well; he was denied bond according to Sheriff’s spokeswoman Tracy Flanagan. Mane himself did not enter a plea. Flanagan says that his next hearing would be on April 10.
Mane’s attorney, Drew Findling, said that he would appeal to the magistrate court’s denial of bond from Mane to a higher court. He said that the violence, according to six witnesses he interviewed in his office, did not confirm that Gucci Mane smashed the champagne bottle over the fan’s head. He said that the witnesses heartily agree that Gucci had anything to do with the assault.
Gucci Mane is a rapper with a great list of legal troubles stemming from his case in 2001 where he was found in possession of cocaine and spent three months in Jail. In 2005, he spent six months for assault and in 2009 he was arrested for violating probation.
Every UK citizen has the right to make a claim for any other-party irresponsibility or negligence that dealt damages against him or her, but from this year, it will be quite tougher to make a compensation claim. The rising insurance premiums signify a huge influx of fraudulent injury compensation claims which honest victims and insurance holders pay for. Today, for car insurances alone, holders are actually paying £118 yearly.
The Ministry of Justice plan to abolish the win/lose no fee compensation claims and re-instate the no win no fee compensation claim system to reduce the number of fraudulent claims and activities of claims management companies. The Association of British Insurers blame the activities of claims management companies and personal injury lawyers as great contributors for the insurance premium inflation. The reduction of activities is forecasted to bring a lower number of fraudulent claims from CMCs
While the MOJ promises an easier compensation claims process, many legal experts say that having claimants go for two medical opinions and expanded in-car monitoring systems mean higher costs. They also point out that the ABI’s suggestion of claimants making a direct claim to their insurance companies creates a conflict of interest. Insurance companies strive to lower their overhead costs, which means they might only provide a lump-sum that does not completely provide the victim complete compensation.
Analysts point out that the situation, once the win/lose no fee compensation claims system is abolished, would completely under-compensate victims in any case. Paying 25% of the compensation to legal representatives would ensure under-compensation, and if insurance companies want to reduce overhead costs, it would also accomplish the same results, leaving victims in a losing situation.
Making a claim for payment protection insurance is not at all difficult; however, it takes time and patience to make a PPI claim properly. PPI or payment protection insurance is a policy designed to repay your loans, mortgage and credit cards in case you find yourself sick or unemployed. However, because banks sold the insurance policies through abusive bank practices, many customers had no use for their insurances or were ineligible to use it. Here are a few thing to take note off in making an effective PPI claim.
1. Your Billing Statements
Your original billing statements are important because they serve as reference points for the total amount of PPI repayments you have made. Your first billing statement is the most important as it indicates the actual date you first repaid the PPI. The most recent billing statement can help you get the total of your repayments easily.
2. Compound Interests
Along with your insurance’s terms of agreement, it also comes with the chart of interests it would accumulate every year. Based on this chart, you could calculate the total amount of compound interests you have repaid over the last few months. Compound interests make your repayments higher, meaning that you get more from the bank’s possible total refund.
3. Submitting Your Claim
You could approach your bank and make a PPI claim directly, send them your PPI claim along with your PPI claims form in the mail or go through the Financial Ombudsman for a higher chance of earning your PPI refunds. However, be warned; banks are known to reject even valid claims. The Financial Ombudsman points out that seven out of 10 bank-rejected claims were actually valid claims.
If you have further questions about the PPI claims process, or you would want to have a good legal discussion, consult with a local claims management company for assistance. Most claims management companies, such as fastppiclaims.org work on a no win no fee basis so its risk-free.
Metal Band Lamb of God Vocalist Randy Blythe is set to return to Prague for his manslaughter trial following his temporal bailout to help himself fulfill his official business obligations. Before leaving the country, he shared what thoughts he had in the past few days with his fans through his instagram. Here is the exact excerpt from his post.
“The last 2 or 3 days I have been getting ready mentally to leave my home & return to Prague to do this whole trial thing in early February. It’s not something I particularly WANT to do; but inside, my gut & heart tells me it is the RIGHT thing to do. I cannot turn my back [on] the right thing.
As I’ve been thinking, I’ve [been] shooting [pictures] a lot around my hometown. I love this place. A couple of days ago I went to my mechanic to get my truck worked on- the garage is over near the CSX train yard here in Richmond. I dropped off my truck & went creeping under the over pass that runs above the tracks. As usual, there was a lot of sleeping gear, trash, old mattresses & stuff that homeless people keep there. In my younger days, I used to ride freight trains across our country.
“I have spent many nights under bridges just like this one in freight yards across the USA. I have always loved to travel, & have been across the USA three times without a dime in my pocket most of the time, learning the survival skills of the hobos & street people of our country. You can get by with almost nothing if you know what you are doing. This old suit case sitting up on this ledge really captured my attention. I wonder what it once held? Safe travels to whoever owns it…”
Randy Blythe was accused of killing a fan named Daniel Nosek in May 2010 during a concert in Prague’s Club Abaton. Blythe was accused of throwing the fan off the stage, who landed face first into the ground resulting to a coma and his eventual death from injuries. The fan was not under the influence of alcohol and drugs. Blythe was arrested on June 27, 2012 by the Czech Police but was released on bail. He promised his return for the justification of his innocence through proper channels.
A formidable no win no fee claims expert is essential in making any personal injury or accident claim successful. However, you will need the help of one that is not just knowledgeable, but also one that can update you on a regular basis and deliver results. Here are a few things to consider before embarking on your no win no fee compensation claims with an expert.
It is important to consider where your claims expert works or lives. If the claims company they work in is near your workplace or home, consider their services. The location is important as you and the claims expert would need to meet and you need to be updated about the status of your claim on a regular basis.
Always check a claims company’s background before working with them. Today, many fraudulent claims companies could cold call or text you. Research about them, their years of experience, the cases they’ve handled and the payouts they’ve earned for their clients. Always look at the results they make and their method of operation to gauge their expertise and effectiveness.
3. Ask Past Clients
A friend or an Internet forum can tell you more about the services of certain claims management companies. Always ask the claims company’s past clients to gauge their effectiveness in handling cases. You could get an idea about their operations and how they deliver their client’s payouts. Always make it a point to ask for comments and the pros and cons of working with the claims company. A popular choice for no win no fee claimants is the NoWinNoFeeCo.co.uk.
Texas country singer superstar George Strait begins his farewell tour on Friday but he says he is not retiring from music. He has a new single, entitled “Give It All We’ve Got Tonight”, which has reached the top of the country charts and has a new album in the works. He says he is only retiring from touring. His final tour, The Cowboy Rides Away, begins in Lubbock, Texas.
At 60 years old, George Strait began as a frontman of a band called Ace in the Hole, who first performed on October 13, 1975. He then progressed to his own solo career in the 1980′s, giving up an opportunity at a corporate job to give one more year to music, which sprang his career up to great heights to where he is today.
Strait will be playing in the Houston Livestock Show and Rodeo on March 17, 2013.
Strait made famous many hits, including 1983′s Amarillo by Morning and the 1985 The Fireman. His set list for the tour is yet to be final, as Strait says that it can be difficult to make a setlist and sometimes he and his touring musicians will need to improvise the list depending on the demand of fans and people.
Source: USA Today
Former N’sync boy band member and solo artist Justin Timberlake hinted last Thursday that he would be releasing a new song in his official Twitter page and Tuesday, released his new song and his upcoming return to pop music. Entitled “Suit and Tie”, Justin Timberlake says that he will also be releasing a full album that includes the new song.
JT, who had turned to the movies as an actor and has become an Internet entrepreneur in re-launching the social media platform MySpace, has never made any indication for the release of the new album. However, an informant mentioned that Justin Timberlake was actually planning the album “in secret”, willing to make his return to music a surprise for many old and new fans alike.
Justin Timberlake was part of a famous boy band group in the 90′s N’sync, whose single “Pop” dominated the billboard charts. Later moving on with his own solo career, his famous last album, FutureSex/LoveSounds, became a smash hit in 2006, seizing the charts, airplays and album sales for the year. He later went for films and Internet marketing, which had his musical commitments drop out of sight for quite a while.
Justin Timberlake is now married to actress Jessica Biel last October. Fans speculate the unreleased song performed by the pop star turned actor for his wife would be included in his new album.
The two were earlier seen coming in and out of each other’s hotel rooms and spending time with the One Direction group drinking, singing and dancing. However, after their very public display of affection, has Harry Styles of One Direction and Pop Princess Taylor Swift actually broke up so quickly? Well maybe, but still, it is quite undetermined.
Their dating spree, which began in November with simple yet suspicious activities, went into full bloom as they spent their New Year’s on the British Virgin Islands. However, after the new year date, Taylor was reported to have left the Island by herself through a boat. It was reported that the couple had a heated argument during the vacation leading to a split.
However, Harry Styles still remained on the island despite their dispute. Both sides have not yet commented on their situations. But the split cannot be confirmed due to the lack of photographs and evidences, even if Taylor Swift tweeted “I Knew You Were Trouble”, borrowing a line from one of her songs.
However, Life and Style Magazine, New York Post and People confirm that the couple is already done and they had split. The two-month dating spree and exciting paparazzi photos will not return soon for fans of the couple. The magazine had an unnamed and unidentified source that mentioned that both parties were really busy and argued about not having time for each other. Harry Styles was actually upset about the issue and is quite sensitive as to what happened.
Source: MTV News
For those who have experienced injuries while at the office, know that you’re titled to damages or work accident compensation claims for that incident. As mentioned earlier, such claim is really a civil remedy that may be implemented by the hurt worker if they has experienced injuries not because of his fault. What the law states also is that the employer must take care of the price of the harm even when the accident was entirely because of fortuitous event. You will find several important points the worker should be aware and comply before accepting what the employer offers. He or she must fully understand what and just how accident claims work, what benefits are going to be agreed to him should he be effective in the claim
What’s saddening about some occurrences in filing compensation claims is always that the insurance plan doesn’t really cover the injuries sustained. The worst is when the injuries sustained resulted to some permanent disability. That’s why all employees should make certain that they’re taught in law compensation benefits should something unfortunate occur to them. This is why accident compensation claims are important in these accidents.
Being that you are insurance holder, it’s your duty to understand precisely what your coverage is. It is crucial you know what is inside your insurance plan. If you’re getting difficulty inside your compensation claims, you are able to request for the help of no win no fee claims solicitor. You may also direct your accident compensation claims online. It’s your private right that’s violated. You need to defend it whatsoever cost.