A Long History of The PPI Claims Scandal

In 2007, UK Consumer Rights Group Which? had launched a compounded complaint from numerous consumers complaining that banks had sold them an insurance policy that they were ineligible for from the start. Upon this complaint, the Financial Services Authority had taken action and they had discovered that bank employees had dastardly mis sold the insurance in favour of higher commission.

It did not take long for the FSA to launch a formal discussion with banks about recognising the immensity of the financial scandal and that it needed their full support. Instead, banks launched a legal challenge against the FSA, which the latter won and had PPI claims made simple as banks became cooperative and the Financial Ombudsman’s weight had decreased, but not to a comfortable level.

Mis sold PPI had created a cultural impact in the United Kingdom. Claims management companies, which had sent unsolicited text messages and cold calls to many people, even children, inviting them to have the company represent them to make a claim, had its own share of highly successful and downright swindling stories.

The MOJ had revoked the licenses of hundreds of claims companies because of their upfront fees, misconstrued payment structures and false advertising.

Today, according to the Financial Services Compensation Scheme, PPI has not yet reached its peak. The FOS, which still receives 1,000 complaints daily, reports that it will have more on its plate despite a great reduction on claims from 264,000 the first half of 2013 to 190,000 the second half of 2013. Experts attribute this to the banks’ exploitation of a regulatory loophole called “alternative redress”, which issued a refund for a regular-premium PPI despite the consumer having bought a single-premium PPI.

Where to Start in Making your PPI Refund Claim

Payment protection insurance (PPI) is designed to repay your loans, mortgages, credit cards and other financing in case you get sick or have an accident, but because banks and financial companies indiscriminately sold it to almost every consumer applying for financing, many were unable to make use of the insurance policy. Now, where do you start making a PPI refund claim?

First, look through your financing’s billing statements. Find an item that has the description that fits the function of payment protection. You could use the Internet to know about the item names in your receipt that you do not understand to know if they are PPI. Once you figure this out and it is PPI, you can calculate your rough draft by adding up the amounts of all your receipts.

Second, if your insurance policy is an indirect cause of your loan interest rate increase, it is highly advised that you reclaim the compound interest rates you paid for. These amounts could reach staggering heights, more than £3000. However, you might need to work with a PPI calculator company to ensure you get all your details in check.

Once you have all these details in the clear, you can send a complaint letter to your bank regarding your claim. Include copies of your billing statements and computations of your possible compound interests. You should receive a decision on your claim within eight weeks.

You might want to use a free PPI calculator online if you want to estimate the total compensation you could receive should you make a claim.

Physical Altercations Will Not Suppress Depression

If you are not feeling too good about your nose and you have money saved for your personal use, do not think about getting a plastic surgery to get it fixed. It will not save you from your depression. Post-operative depression could get the best of you and instead of being satisfied, you might want to alter that part of your body until you find perfection.


Surgery is a stressful process even if newer technology ensures a more precise way of altering your physical features to something more desirable. People feel better when they are desired, leading to the market of physical alterations in the world today. Sometimes, people are overwhelmed by the surgery that they feel depression.

Depression from surgery might also result from the different drugs used in the operation. All kinds of drug contribute some effect to the mental health of a patient due to chemical imbalances in the body.

If you really want to push through with your operation, it is important that you know about post-operative depression. However, the best way to overcome your depression about your physical attributes is to accept it and instead seek the help of a professional in the field.

Remember, surgeries, notably cosmetic surgeries that are invasive, will not save you from personal depression unless you mentally overcome it first.

Food and Which Ones Alleviate Depression

You would probably hear the term “comfort food” from depressed people and it is actually a factual dictionary word. However, not all kinds of comfort food actually help in alleviating depression. However, if you just want to feel better and avoid the negative feeling, here are a few foods that could help you.

1. Spinach
A cup of cooked spinach gives more than just oxalic acid and good skin; it actually gives you great amounts of folic acid, which produces serotonin. Serotonin is a natural antidepressant that helps maintain good physical and mental health.

2. Oranges and Red Peppers
Vitamin C always makes your body produce dopamine. Dopamine deficiency is known to give people the loss of pleasure and motivation. Oranges and Red Peppers contain lots of vitamin C, which increases your dopamine production. It also helps your mental health by ensuring that impulses between nerve cells are delivered effectively.

3. Wheat Bread
Whole wheat bread has lots of complex carbohydrates and complex carbs produce great amounts of serotonin. Top this off with peanut butter and you have a high-protein breakfast with every sandwich.

4. Chocolates
Dark chocolates contain complex carbohydrates. If you consume dark chocolate without any artificial additives, you gain a lot of calories and anandamide, which helps improve your mood as it facilitates the perception of pain and emotions.

How Exercise Decreases Depression in People

Exercise is not just good for improving your health and other physical problems. It also helps you decrease depression and avoid mental problems. Here are a few of the other advantages you might not have known about exercise.

1. Increased Self-Confidence
You know that exercise helps you reduce your weight or sculpt your body and this helps increase your self-confidence. Feeling better about your appearance releases endorphins, which help in giving you a feeling of tranquillity and positivity.

2. Chemical Balance
Exercise increases your metabolism, which allows your brain to produce other chemicals in your body that stabilizes your mood. This is one reason you feel better aside from the fact that endorphins enter your bloodstream.

3. Achievement
For every difficult you’ve begun and conquered, you feel better once you are capable of doing it without any strain on your body. This sense of achievement, along with your improving physical performance and health, elevates your sense of dignity in yourself.

4. Relaxing Mental Strain
Pre-occupation allows the mind to keep away from a heavy issue and allows it to focus on simpler tasks during exercise. By the time you return to your earlier issue, you will come up with a more positive outlook that helps you solve your problem.

5. Energy
Depression is also caused by the lack of energy. With a higher endurance, you could think clearly in the most physically-exhausting situations, keeping your mood uplifted and in check.

Improving your Ballroom Dancing Performance

If you’re a nut for dancing and you’d like to take your ballroom skills to the next level, here are a few things you’ll need to improve with your preparations and post-dancing activities.


1. Cardio
Cardiovascular activities greatly improve your stamina and can have your heart rate last longer when you dance. You also improve your lung power by doing a jog in the morning or having at least 30-45 minutes of aerobics.

2. Eat a Good Meal
You get thinner dancing ballroom especially if you have bad eating habits. Having a good breakfast or pre-activity meal gives you the energy to dance through with radiating stamina. Remember, it’s your metabolism, not the things you eat, that gives you fat.

3. Stretches
Doing a short cardio workout for at least five minutes or stretching your legs for five minutes will help avoid plenty of injuries. As your muscles become relaxed and firmer in the right places, you’ll find no trouble once you begin to dance with your partners.

4. Leg Workouts
Doing some leg workouts could greatly improve your dancing performance. The added strength and muscle in your legs will allow you greater endurance during any dancing performance. It also opens new possibilities for more difficult dances.

Depression Tips: The Uselessness of Verbal Advice

The Internet today gives rise to many different “cultural terms” that only exist in social media or other forums. With the rise of these cultural terms, more specific terms have been developed to describe certain people. For example, an “askhole” is somebody who asks for advice and then later on, does the opposite of such an advice. Depressed people are usually “askholes” not because the advice was not fulfilled, but because a depressed person can easily forget what verbal advice had been given to them.

According to medical studies, depression can cause a person to become forgetful. Those with major depression may have trouble doing their duties, making decisions and their future actions. Their thoughts are also disorganized and memory coordination is out of the question. Clearly, anybody giving advice can consider the depressed person as an “askhole”.

However, it is a good way for depressed people to recuperate. Once they become fed up living in their regret or the trauma they felt, they will need to experience pain. Depression is pain because it is a mixture of frustration and disappointment. Without any way to express themselves, they start to hurt themselves. This might be fatal, but lesser fatal case, such as doing martial arts or shadow-boxing, actually helps alleviate the body simply because of the release of endorphins during physical activity.

Due to memory discord and forgetfulness, depressed people cannot make use of verbal advice from other people. In the end, they will need to learn how to rise up on their own with the support coming from their loved ones and friends.

Workout Cardio is Not Just Aerobics

The bottom line of a cardiovascular activity is that it raises the heart rates and keeps it elevated for a period of time. As long as your heart rate increases to 65-85% of its usual rate, you’re performing a cardio exercise. Some say that cardio is just aerobics, but it is not. When you perform anything that makes use of your different muscle groups for at least 40 minutes to an hour, you’re performing a workout cardio.

Most cardio exercises are jogging, which makes use of the arms and legs consistently, fast walking and swimming without stopping the continuous pattern. There are unique cardio exercises, such as burpees and pilates, which help the body burn fat faster than the common exercises.

Most aerobic exercises are combinations of routines that burn fat and increase the heart rate. Increasing the heart rate through bigger movements is crucial in any cardio exercise. Most fitness instructors would advise you to extend your movements to allow the heart rate to increase.

Cardio has many great benefits. It strengthens the heart, the lungs and its capacity, metabolism, burns calories, reduce stress, increases energy, promotes a good night’s sleep and decreases your weight. The even blood flow in your body allows it to distribute nutrients and break down fat walls and layers blocking several arterial passages, promoting a good heart health as well.

Cold rolling- what is it?

Cold rolling is a process which is used to reduce the thickness of steel coil. Steel is formed into a continuous coil by large steel melt mills and is then passed to “re-rollers” for processing. Re-rolling has been a technology which has been around for a long time, being first developed in the 18Th Century by Thomas Blockley of England, who held the first patent for rolling metals. The technology progressed from tandem mills to 4-high mills that we have today. Currently, rolling mills have advanced to be able to roll steel strip material to as thick as a few microns and is enabling modern manufacture to produce components that are smaller, lighter and more hi-tec. The materials that are now able to be rolled have been extended from basic steels to exotic materials such as nickel alloys, stainless steels and copper. Titanium foils are used mainly in the aerospace industry due to the lightweight and strong properties of the material.
Cold rolling occurs when the metal is below its recrystallization temperature, and cold rolled products can come in various conditions from full hard to skin passed. Full hard involves the most rolling and reduces the starting material by 50%. Skin pass involves the least rolling (usually on 1%) and is used to improve the surface finish. Mills are configured to optimise the rolling capability of the rollers in regards to the material they are reducing.  Two of the most common configurations is the 4 high and 6 high mill which exerts a powerful downward force on which to cold roll material.
Avocet Steel Strip Ltd are a UK supplier of cold rolled steel. A family business based in the North of England, they are a leading supplier of precision cold rolled steel strip.

Developing Motivation Through Passion and Discipline

You might think you couldn’t seem to focus and accomplish something because you lack motivation and discipline, but if you have passion enough to do things, motivation is just secondary. Passion is a desire to improve yourself by accomplishing something you cannot in the past. Here are a few ways to gain motivation and momentum.

1. Start Something
Thoughts and ideas that get through your head while you are traveling to work, during work and when you’re eating your lunch or dinner could motivate you to do something instantly, but you fail to do it simply because you forgot about it. List it down, and then start something by the following day. The moment you start something, you gain momentum.

2. One Small Step Daily
Even if they’ve already had a start-up, when people find their progress slow, they stop and return to their previous routine. This should not be the case. One should look to a new thing as something new and small and on a daily basis, they should continue adding small steps to their new routine that would in the future become a normal component.

3. Leave Some for the Next Day
People often become impatient with their tasks that when they are “on fire” or having a surge of creativity or excitement, they put everything down on paper without exploring any alternatives just for the sake of finishing something. As a golden rule, anything rushed will turn into trouble or a faulty product. Leave some for the next day; you have more days to continue your task or routine that would further help you explore other options or at least meditate on your progress.

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