Money Saving Expert Calls on PPI Claimants to Reclaim their PPI

An undercover investigation by a Times Magazine reporter revealed that Lloyds’ Royal Mint Court Centre intentionally mishandled many consumer PPI claims. Martin Lewis calls on UK customers to reclaim their PPI as soon as they can.

A Times Magazine reporter went undercover as a recruit for Lloyds’ PPI claims handling centre in Royal Mint Court. The reporter shed light about bank trainers telling recruits that the job was “morally difficult” because they need to keep a “blind eye” on obviously forged documents and treat them as if the customer actually filled them up. They also encouraged recruits to reject claims because the Financial Ombudsman can resolve the claims more effectively.

Public outrage sparked against Lloyds, who pointed to contractor Deloitte for the shortcomings. Lloyds said they have fired Deloitte, their contractor in Royal Mint Court, because they have not met the standards set by Lloyds for handling PPI claims.

Martin Lewis said that if Lloyds or any bank or lender has turned your PPI claim down, it is important that you fight if you feel you were mis sold the insurance policy. Lewis, one of the founders of Money Saving Expert, said that re-filing your claim was part of the system.

Lloyds said that it does not endorse the comment and statements the trainers made to recruits following The Times reporter’s undercover report because they do not reflect the high straining standards of their claims handlers.


A Discussion of UK’s Animal Protection Laws

I own a dog, a terrier, which I’ve lived alone with for 10 years. Then, one morning, I end up seeing my friendly and lovely dog tied up to a tree, deceased. Authorities found out who did the deed with my dog and I had to get justice for my companion. Here’s where I understood more about UK’s animal protection laws, which I would love to discuss with you.

UK’s laws punish those who cruelly beat, ill-treat, over-ride, over-drive, overload, infuriate or terrify any kind of animal. The law also protects the animal’s right not to be injected with injurious or poisonous substance. Any unnecessary suffering brought on the animal is punishable by law.

This argument in itself is how I took my dog’s killer’s to court and had them sentenced for their crimes.

The law, which is part of the Animals Act 1911 in the United Kingdom, also protects animals by imposing a lifetime punishment of the deprivation of owning any legally-licensed animal in the country. Animal fight advertisements, such as cock derbies or anybody attending animal fights without any reasonable excuse shall have a gigantic fine for their activities.

UK’s animal protection laws really did give my dog a chance at justice. Dogs are not just animals who could be maltreated. Some people live with their pets as their companions. To treat the animals cruelly as they are defenceless is a cowardly act, and, me, gratefully says that the UK laws at least protect those little innocent souls and give them justice from those who abuse their superiority.

Racism Laws: Their Effectivity in The United Kingdom

Workplace discrimination is one issue, but it is not only in the workplace where most ethnic groups suffer from general racism. Racism roots from culture and history and modern people carry on this belief in a false, counter-productive sense. Although the UK has laws against racism, has it actually affected the viewpoint of the nation’s citizens?

There are many types of racism that exist in the United Kingdom, these are

Elite Racism – Generalizations about different ethnic groups, politicians and implies an acceptance of white British cultural superiority

Situated Racism – Local level racism that is common in the workplace, municipalities, towns and marginalized people.

I’ve read that professionals pin down racism to the core of culture and physical dissociation. This includes color, ethnicity, physical attributes, even the way a person dresses or keeps up their hygiene.

UK’s anti-racism laws only point out that authorities can arrest  and penalize individuals for insulting different ethnicities or making libellous statements, but this is only to make racists “afraid”.  People still say that their freedom of speech is important and if their statements do not go beyond professional and violent borders, it is allowable.

However, workplace and maltreatment due to race is common in most European workplaces. No law could ever change history and the perspectives of a few arrogant people.

UK Legal Advice: Dealing With Property Damages

If another party damaged some of your properties because of an untoward or intended action, you have the legal right to ask them for damages compensation. If natural causes damaged your property, such as fire, wind, hailstorm or hurricane, and you have insurance, you could file a claim to get compensation for your damages. If you’re dealing with property damages, here are a few things you should do.

1. Notify the Insurance Company
In all cases of property damages, informing your insurance company is the first thing you should do. Also, gather evidences that would show the damages dealt to your home, car, yard or any other part of your property. You could take photos or videos of them to show your insurance company.

2. Secure the Property
Secure the property to avoid additional damages from happening to your home. If an arson or an accident started a fire in your house, call the fire department at once. Property damages can become expansive, such as the fire in the first example spreading through the neighbourhood, which could mean you paying for damages instead of you earning them.

3. Detailed Inventory of the Damages
Have a professional contractor tell you the extent of your property’s damages. By making a detailed investigation on your property, they could plot out the areas where your house or vehicle was damaged and give you an estimate for the expenses needed to repair it.

Child Custody in the UK

child-custodyIn the event that a marriage is dissolved, legal separation of assets are also in order. A couple going through divorce is not an easy walk in the park emotionally, financially and physically. This goes the same for couples who are undergoing separation. As assets are assessed further, questions are raised: What happens to the children? Who gets custody?

In the UK, child custody law is determined on who should be responsible for the care and guardianship after divorce or separation. There are parents who decide to share custody of the child or children. This means that a child would be able to spend equal time with both his or her parents. In this option, parents are allowed to participate in the decision-making that is best suitable for a child. Having said that, if parents are unable to settle amicably, the court will decide which living arrangement is best for their child (or children) on their behalf.

It is also noted that in England, the courts are not in the routine to make orders about children. The courts will not intervene. There may be difficulties in terms of a parent not letting their child stay with another. The divorcing couple are left to figure out how to settle about the future child care arrangements amongst themselves.

Discrimination In The Work Force: What You Need To Know and Must Do

Time and time again, we here stories about discrimination. In the UK, it is against the law to treat someone less cordially because of their characteristics. These characteristics are based on age, disability, civil status, race (including colour, nationality, ethnic or national origin), religion and sexual orientation. They are referred to sometimes as protected characteristics. 


Under the UK law Equality Act 2010, you are legally protected from discrimination. A guide for employers, business and individual are also set to include in their policies and contracts. This means that there will be a clear view with regards to employment issues. This law protects you against discrimination including: pay and benefits, dismissal, employment terms and conditions, redundancy and promotion and transfer opportunities.

When an employer doesn’t take any precautionary measure or proper steps to prevent discrimination, the workplace atmosphere becomes uncomfortable. The employer can be liable for a lawsuit on discrimination. When someone is being discriminated against at work, the employer must investigate by all means the situation to prevent it from escalating. They must be vigilant in protecting their employees from harassment in the workplace.

There are a number of things you could do as an employee if you feel that you are being discriminated against at work. You may complain directly to the person or the company. You could file a grievance. You may also ask for a mediation between you and the party involved. Your supervisor or manager may step in to resolve the dispute. If things go out of hand, you may make a claim in court.