Barclays PPI – Inefficient & Expensive

For more than a decade Barclays Bank, a British bank has been selling payment protection insurance. The Barclays PPI has seen the banking institution make a lot of profits since it was effected. Nevertheless the recent developments have led to the payment scheme being regarded as not only inefficient but also ineffective. After the scandal unfolded, the bank was forced to set aside over 3.2 sterling pounds in order to compensate those who were affected by the same plan. There is no doubt that the payment was mis-sold after the management made the decision to consider the cry of the customers who have suffered for many years.

In the previous years, Barclays PPI was sold along other loans, credit cards as well as mortgages from the year 1990 when the insurance plan was brought into effect. According to the banks, having the plan was directed towards the repayment of the loans in case there was an income fall, loss of job for one reason or another and the effects of illness.

On the part of the critics, the lending institution embarked on the aggressive sell of the Barclays PPI to the various clients in the country after they came up with policies that targeted to generate a lot of profit on their part. It all began in the year 2014 when it was noted that banks were only returning a small fraction of the payment that is equivalent to 15% to the borrowers. At this point, it became quite clear that the bank was making a lot from this at the expense of the customer needs. The complaints had the government find a way of investigating to find the truth about what was going on.

The citizens have played a great in having the matter taken into consideration through pressure to the government and the other stakeholders in the banking sector. There are claims that the Barclays PPI was very expensive. The premiums that were paid ended up adding about 20% to the loan’s cost something that was not reasonable. There were cases where the situation went to the extreme such that the amount accounted for over 50 %. Other experts termed the payment plan as inefficient because of the limited chances that payment was to be made for the parties that were affected by illness genuinely.

Customers deserve to know anything that is happening in the sectors that they are participants. This was not the case with Barclays as they were asked to make payments without adequate knowledge of what was going on in the industry. It is hard for certain people such as those who are in the self employment to go about seeking for compensation for the payment protection insurance when they are affected by one issue or the other. There are several factors that will determine whether one is to be compensated or not. Among this include the proof that you were out of work when the policy was bought or you can also defend the fact that the bank did not provide the required documentation for you.

Planning To Purchase Party Tents?

Events and occasions take place every other day. In fact, a day hardly passes without an occasion taking place. One of the must-have accessories is the tent. It houses the guests as well as the equipment. One of the major issues people face is where to purchase party tents. People have been holding parties and events for many decades. But, they still face problems when it comes to getting the right product. Due to poor choice many have ended up with a tent that was too small or too big. Others have ended up paying a hefty price for a low quality or substandard product.

Tents come in a variety of designs, sizes and shapes. Each is suitable for a particular event. Some are suitable for a small garden event, while others are handy for a large corporate event. The design of the accessory plays a vital role in the purchase. A tent that is meant for standing guests in usually smaller than that meant for seated guest. This is because it has to accommodate other items such as seats and chairs and also leave enough room for movement. Many people try to squeeze items as well as people in a small tent as a way of cutting costs. But, this usually causes more harm-than-good.

When planning to purchase party tents, it is of paramount importance to think about the material. Does it create the right ambiance or atmosphere? The goal of a host or organiser is to have a lively and unforgettable experience. This is achieved by creating the right environment. No one wants to be stuck in a stuffy tent. Guests don’t want to keep fanning themselves because the product has poor ventilation. Also, the last thing an individual wants is dodging water that is dripping through a non waterproof tent. Quality tents come with designs that allow easy circulation of air. They are also manufactured from waterproof material.

At times, it is necessary to go for a tent that comes with some extra features. This makes the environment more appealing and comfortable. Standard tents offer the basic minimum and focus on providing good cover. But, a host can go for party tents that come with side walls. They stop the wind from entering the tent especially at night or in cold weather. The tent may come in either one or two walls. Another extra option is flooring. Tents which feature a floor are ideal for the cold weather, rough surface, windy conditions, and also protect against insects.

Majority of the people take party tent purchase lightly. They never give it the seriousness it deserves. This is probably because the activity appears very basic and has been carried out for a long time. Unfortunately, many regret their selection later after spending effort, time and money. Wrong choice of tents has ruined many events. In addition, it has brought embarrassment to the host or party organiser. The best way to avoid such issues is by taking time and researching more about the accessory. This entails reading reviews, following recommendations, market comparison and more. A shopper should always purchase party tents from an established and credible firm.

Hair Dryer –Top Features to Look For

Are you thinking of buying a hair dryer? Do you know hair dryer features that you should be looking for? Well, there are hundreds of hair dryer brands designed with unique specifications that make them stand out from each other. You should look for a dryer that fits your hair type. Thick, curly hair will require high power blow dryers for quick and easy drying. Here are some of the top features to look for in a hair dryer.

Power Supply

Power determines how fast your hair will dry. You need a dryer that will take minimum time to dry your hair while producing the desired effects. Anything above 1800 watts for thinner hair will work perfectly. Some dryers have power wattage as high as 3600W; meaning that the drying time is drastically cut as more energy is used in keeping soft and smooth. Look for wattage limits before purchasing a dryer. The best ones use more power but produce desired effects on your hair within a short period of time. Such dryers cost more than those with low wattage levels.

Add-on Features

Some dryers come with attached nozzles and diffusers. These add-on features should influence your shopping. Go for hair dryers that contain attachment gadgets. Such dryers give you more options while drying your hair. A nozzle attachment concentrates the airflow in one area and therefore helps in making the hair smoothing process faster. On the other hand, a diffuser will help spread out the airflow for curly hair. Ensure that your hair dryer package contains these add-on features. They provide more options while drying your hair.

Compatibility with Modern Technology

Modern hair drying technology involving the use of ceramic and tourmaline minerals help in smoothing hair much faster with better effects. Check out if the dryer is compatible with these new technologies before making a successful purchase. Ceramic technology is used in distributing the heat uniformly as you blow dry your hair. It ensures that every part receives equal exposure to the heat moisture. Tourmaline mineral is used in retaining the moisture by sealing the cuticle and therefore smooth your hair more rapidly. Hair dryers that are compatible with such modern technologies have higher costs in the market.

Multiple Heat Settings

Lastly and perhaps most importantly, look for a dryer with multiple settings over heat control. Not every hair will be smooth with on high heat. Some require low heat settings for effective blow drying. The higher settings should be used for moisture removal. Once you are certain that the moisture levels are very low, adjust the hair dryer to low heat settings for styling purposes. Multiple heat settings will enable you chic up your hair into modern smooth styles.

Remember to ask for a user manual on how to make effective use of your hair dryer. Do not assume anything as you connect your dryer for blowing purposes. Some professional hair dryers have special procedures for starting, blowing and disconnection. Go through the user manual to know how to make effective use of the machine for durability. A good dryer should last long enough to blow dry more than a thousand heads per year without showing any signs of default.

How can I scrap my car? – Find out the best solution

You might have heard many people saying I want to scrap my car’ but they do not know what to do. How to scarp you car? The best option available is to contact a reliable scrap car removal company and once you contact them, they reach the spot fast to take away the car. When you hand over the details of your car registration number and post code, they will come up with an instant scrap car quote and if both parties agree, these professionals will collect your car from the spot without any unwanted delay after making the full payment. Take a look the benefits involved with hiring a responsible scrap car removal company:

Free collection service

Scrap cars eat up a lot of valuable space of the garage and many people do not have the time to tow away their car to the premise of a scrap collection service. Reliable scrap car collection companies do not charge any fee for collecting the car from your garage and the scrap recycling professionals will make a call to fix a convenient time and date to collect your car. In order to make it really easy for you, they will take the responsibility of all procedure and the process of selling the scrap car becomes hassle free.

Responsible car recycling

The environment impact is major concern and responsible companies reduce the impact that scrap cars have on the environment in all possible ways. They remove all harmful materials from your car before reusing and recycling and, it certainly reflects their social commitment.

Hassle free paperwork

Official paperwork involves a lot of complicated tasks and responsible companies always hand over a Certificate of Destruction. It safeguards your interests in the best possible manner. Such a method of approach removes your name from the title and you will be from any responsibility of the car in the future.

Accurate online quotes

When you decide to get rid of your scrap car, you can contact a trustworthy online scrap removal service provider and they will offer free quote to avoid the possibilities of any hidden costs. The quote contains the accurate price and they will not use any cheap bargaining techniques to reduce the price later.

Safe removal

As mentioned earlier, you do not have to worry about the cost involved with the removal of your scrap car when you hire a top service provider and they take all precautionary steps not to damage your property. Advanced trucks will be used to tow away your scarp car and, highly skilled, insured, licensed and experienced professionals will perform all these tasks with utmost accountability.

Conclusion

When a person says, I want to scrap my car’, he/she should identify the most reliable scrap removal company to safeguard his/her interests in the best possible manner. How can you the best scrap car removal company? You need to conduct proper research before taking a decision and the opinions of the existing customers should always be taken into consideration before arriving at a conclusion as well. Reputed and reliable professionals will perform all these tasks in a cost effective manner and you will get the most deserving price for your scrap car as well.