New Legal Case Could Set Precedent for PPI Claims


A new legal case has the potential to set precedent for payment protection insurance claims, according to those close to the case. If the case does influence future claims, U.K. banks may have to pay up to £18 billion to customers who were sold payment protection insurance (PPI).

The case centers around a UK couple that signed an agreement for a £30,000 ($39,500) loan back in 2004. The total sum of the loan was £40,500 and included a PPI premium of £10,500. The problem lies in the commission that Paragon Bank’s Personal Finance reportedly received – a £7,985.46 commission on the PPI premium. This makes up 76 percent of the amount.

After reviewing the case, the UK judge ruled that the couple would not have bought the policy if they had known about the commission. This ruling has led to a lot of mixed feelings. Barrister Elis Gomer agreed that it could send “shockwaves”. Paragon Bank believes that the “decision is at odds with other cases heard recently and does not create a precedent”.

The Financial Conduct Authority (FCA) says that the bank needs to return the commissions in excess of 50 percent of the cost of a premium. But lawyers are now adamant that customers should be given all the money they paid for commissions.

What does this mean for your businesses?

News of this legal case followed just after U.K. consumers filed 3.04 million complaints in the second half of 2016 concerning financial products, according to new figures from the FCA. The product with the most complaints – by far – was PPI with 895,000 complaints. This makes up 29 percent of total complaints.

So, what does this all mean for small businesses? It is incredibly important to make sure resolving customer complaints is a number one priority. You also need to make sure you have the very best in merchant services (e.g. chargeback protection programs) and support from chargeback insurance providers.

To avoid unnecessary monetary loss and customer distrust, having access to a strong chargeback protection and prevention program is key. You want to be as proactive as possible in the chargeback process, so your business can continue to grow, and customers continue to trust your brand. If you need more chargeback protection, do a little research to find top chargeback insurance providers that specialize in helping your industry.

Author Bio: Payment industry expert Taylor Cole is a passionate merchant account expert who understands the complicated world of accepting credit and debit cards at your business. His understanding of the industry has helped thousands of business owners save money and time.

Type of Sheath Designed for Body

If you are new to the world of guns or are considering getting your permit to carry, you may have started your search for a new holster for your weapon. Holsters house and secure your weapon safely. A good holster should keep your weapon firmly in place on your body, but it should also be accessible and comfortable to wear as well. Aside from housing your weapon, the primary function of your holster is to cover the trigger guard to prevent an accidental discharge from happening. In addition to the many different types of materials used to make holsters, there are also a variety of different styles of holsters that are designed for placement on certain parts of the body.

Holster Materials

Leather tends to be the go-to material that most seasoned gun owners prefer. Most holsters are made from cow, horse or exotic animal skins. Leather holsters are typically tan, brown or black, but they can be dyed in just about any color. Leather is the easiest to mold to your gun and to your body, so it tends to be the most comfortable. Plastic holsters are the most lightweight, strong and waterproof in most cases. Plastic holsters are quick to draw from and offer a comfort fit for your gun, but they are not as comfortable as leather. Nylon holsters are the least expensive option, but they often wear out quickly and are not custom-fitted to your specific handgun.

Holster Types

There are several options for concealed carry holsters for men. Ankle holsters are best for small, or backup, guns. You can attach an ankle holster, via hook-and-loop closure, to the inner or outer part of the ankle. Ankle holsters tend to restrict movement, so they are best for wearing under pants for short intervals. Inside the waistband, or IWB, holsters go around your waist between the waistband of your pants and your body. An inside-pocket holster is best for smaller guns. There are also thigh, shoulder, OWB, bellyband, fanny pack and pancake holsters. No matter which holster type and material you prefer, a good-quality holder should be well made and comfortable.…

Stylish Smartwatch Gets Smarter: Moto 360

Since December, the Motorola Moto 360 has been mentioned by this blog three times. If you are wondering, there’s a perfectly good reason why this has happened. Firstly, the Moto 360 started off as a really good smartwatch – good, clean, minimalist design, and round, like an actual watch. Secondly, unlike the other smartwatches and related wearables reviewed in this column, the Moto 360 runs Android Wear, so its functionality is not hampered by cross-platform interoperability issues. Thirdly, the latest version of Android Wear (5.1.1) has made a heap of improvements that hint that instead of planned obsolescence, Motorola planned on keeping the Moto 360 around for a while. However, it now has competition from every other designer making smart watches that look like normal ones, from Armani to Hugo Boss Orange watches, which could prove a problem.

Arguably, the best new feature to surface thanks to the latest edition of the Android Wear OS is WiFi connectivity. This means that once connected to a trusted network, the Moto 360 can run independently of a smartphone without losing functionality. This makes it so the Moto 360 will still get notifications and be able to process voice search inquiries even if the watch is beyond the Bluetooth range of the phone to which it is connected.

Quick Access to Apps and Contacts

File this one under “gripe resolved.” A double-tap or left swipe is all that is now required to access all of your smartwatch apps. Call a Lyft car? No problem. You are just one swipe and two taps away from making it happen. The same goes for the new flashlight feature that is super handy for, let’s say, finding things on the bedside table in the middle of the night. Lastly, two left swipes will bring up the list of the most commonly used contacts. This makes sending a text or email as easy as speaking, Dick Tracy-style into your Moto 360.

Scroll with Gestures

Things just got a bit more hands-free. Now, in addition to dealing with the various cards that pop up on the watch by swiping right, cards can now be scrolled away with a quick roll of the wrist. This simple addition turns the simple operation of dispensing with cards even more simple.

Always-on Mode

This mode does exactly what its name implies. Always-on can be very handy when using apps for step-by-step map directions, real-time step tracking, or for keeping that to-do list handy without having to gesture or tap the watch. Luckily, my life hasn’t become so difficult that I’ve found much need for this feature, but I can see how it could be helpful.

In Conclusion

Though this update does cover much more territory, the features mentioned above are feasibly the most popular and useful. With the exception of the Always-on Mode, which I’m determined to find a use for, these new features have proven to be a nice evolution in the operating system of the Moto 360. It started off good and full of promise, and it is turning out to be great with many of its promises coming to fruition.

Create A Cherished Plush Memory at A Discounted Price

Creating childhood gifts that can be cherished for years to come can be an exciting and fun experience. Children adore the experience that Build-A-Bear Workshop offers. As soon as a child walks in the door they are greeted with enticing primary colors and walls covered in plush creations as well as decorative accents for those toys. Creating a Build-A-Bear can be a family involved activity.

The process is rather simple and fun. The child will walk into the store and be greeted by a Build-A-Bear representative. The representative will ask the child what type of animal they would like to bring to life. This part also involves the parent or adult who brought the child into the store. The stuffed animals are available for various price points. Once the child decides upon a animal to stuff the representative will walk them over to the stuffing machine. There is a small slit on the back of the animal where it is placed on the stuffing machine. The employee will pump a pedal and the fluff will begin to stuff the animal. Once the animal is partially stuffed the child can place a plush heart inside. The heart can play music, make sound or simply just be a basic plush heart. The employee will finish stuffing the animal and then stitch up the back of the animal.

Once the plush toy is ready the child will be able to select accessories such as clothing to dress the toy with. Some toys can be linked to apps and games can be played on smart devices. The toys depicted on the app will match the toy the child just created. A Build-A-Bear plush toy is a great way to have a memorable experience with a child while creating a personalized toy the child will enjoy playing with. Purchasing accessories and added features can be pricey. Adults who wish to save a bit of money at these stores will be able to obtain Groupon deals and other online coupon codes. These discounted rates will make this excursion not only child friendly but also wallet friendly.

These plush stuffing stores have become quite common in many shopping malls but consumers can also purchase directly from the store website. The store website features the same items and often sale prices. Consumers can sign up for emails that feature sales and promotions. The ease of shopping from home may be a better option for adults who plan to give these as a gift and may not have time to take the child to the store. Online shopping also is a great way to purchase accessories and plush companions as surprise gifts. These purchases are delivered discretely to your door step. It does not matter if you are giving the plush toy as an experience or as a gift; children are often delighted in the customized toy that comes with so much love. These toys can be saved for years to come and become beloved keep sakes that can be passed down.

Impressive Ways to Share Your Love to Your Loving Mother

Well, this comes naturally to many of us that we fail to express our love to the most priceless and important person of our lives: our mothers. We take her love for granted, not because we don’t love her but because of how we take her love. We think that all that she does is her responsibility and why should we thank her for continuously being there, as she is supposed to do that. Unfortunately, my friend, we forget to realize that we owe our being to her, she is not really supposed to do all that for us but she chooses to do all that to make us happy and feel comfortable all the time.

Mothers are kept next to God because mothers give birth and nurture their kid throughout life without expecting anything. Her love is unconditional and blessed are the souls who are fortunate enough to experience her unmatched love. Well, with Mother’s Day around the corner, you can rectify your negligence or mistake, and express your gratitude to her and tell her that you love her the most.

Let’s take a look at 4 impressive ways to make her feel loved and special on this Mother’s Day.

Surprise her Midnight with a Scrumptious Cake

A mouth-watering cake with an affectionate message written on it can give an impressive start to the Mother’s Day. You can also present her a personalized cake with her cute photograph on it; a photograph that will make the cake all the way more special for her. Additionally, you can also look for a uniquely designed cake which expresses your love, affection, and gratitude to her in a precise manner.

A uniquely Designed Apron to express Care

The best way to express gratitude to your mother for the delicious food she makes for you is presenting her with an apron containing special message. Your mother certainly spends hours in the kitchen to serve you healthy and tasty food, and presenting her something which will always remind her that she means you everything is a good option. You can present her an apron with a nice quotation or her picture on it, and is also made of fine quality cloth.

Express your Love while taking care of her Health

A plant is a refreshing gift and it is believed that it spreads happiness in the house and brings positive atmosphere. Even if your mother is not very fond of gardening, a plant with surely steal her heart. There is wide variety of small plants available both online and offline that you can present your mother.

Make the House’s Environment Aromatic and Soothing

One of the best gifts that you can present to your mother is a set aromatic candles which will make the house’s environment aromatic and soothing. You mother can use the candles either in her room or anywhere in the house to make the place fragrant.

Well, with some uniquely designed Mother’s Day gifts, you can surely make your mom feel special and feel the respect and love that you have for her.…

4 Tips for Buying Deaerators

Deaerators have a wide range of uses in industrial settings. If you’ve never purchased one before, however, you might be wondering where to start. Before you get wide-eyed at the sheer amount of options out there, here are just four tips for narrowing down your list and figuring out which deaerator is right for you.

1. Determine What You Need

Are you looking for a spray type deaerator or a custom tray deaerator? Does it need to be a vertical unit to fit inside a specific space? What kind of capacities are you considering? These are all important questions to ask before you bring out your pocketbook, so figure out their answers while you’re still relatively early in the shopping process.

2. Look at Functions and Features

There are all kinds of features available with modern deaerators. For example, they might come with pump packages to make them easy to use in certain industrial settings. They might have extra safety features to help prevent accidents among your workers. Ask yourself what features that you really want in a deaerator.

3. Know Your Price Range

Deaerators aren’t cheap as a general rule, but some are more reasonably priced than others. You’ll want to compare and contrast products if you’re on a budget. Don’t be afraid to contact the manufacturer and ask if they have any deals or discounts available; the worst that they can do is say no, and you won’t have lost anything by trying.

4. Get a Guarantee

Never buy a deaerator without some kind of protection against accidents and defects. You never know when something will go wrong during the shipping or installation process. Whether it’s a money-back guarantee or a warranty that covers replacement parts, you’ll want insurance against future mishaps.

Buying a deaerator isn’t like buying a hammer or screwdriver; it’s an industrial tool that can have a long-term impact on your business. If you’re careful, however, there’s no reason why you have to struggle with your deaerator purchase. Just do your homework and choose something that meets all of your criteria.…

How to Run a Business Effectively

Running a business effectively calls on many different skills and abilities, from keeping up with payroll to putting out a successful brand message to managing the workflow. There’s no doubt that keeping a staff running smoothly with the flow of work projects is another challenging aspect of running a business, and it’s a crucial one. Every business has its ups and downs as work projects come in unexpectedly and then things hit a lull. All of this must be managed well in order to run a business effectively, but it is challenging to keep everything on track to say the least.

Recruiting Staff

One of the challenges that absolutely must be met in business is keeping staff at a workable level. A company needs an on-sight group that knows the business well and can keep the work flow manageable. When things get very hectic, however, all of this can be difficult, to say the least. One way that businesses in the Boston area cope with this challenge is to have a solid relationship with recruitment agencies boston. Having a quality staffing agency on hand that can be counted on to bring in new staff when the work gets hectic is critical. Many professionals today are willing to work on a temporary basis and come in to assist on major projects. This really is a great way to keep projects manageable and to ensure they are completed effectively, without burning out overworked staff members.

Using professionals on a temporary basis is also a good way to build a relationship with those people, and to see how they fit in with the rest of the office’s regular staff. When the need to hire on a permanent basis comes up, these workers can be at the top of the list, as they have already proven that they fit in perfectly.

No, keeping a business running smoothly isn’t easy, but done well, it can be incredibly gratifying.…