People have been lodging complaints for years and billions have been paid out to customers who filed PPI insurance claims. However, a lot more people are in line to issue a complaint so it’s safe to say that the PPI claims refund queue will not be ending any time soon. In fact, it may actually be still gaining steam since the Financial Ombudsman Service is also in the picture. Government intervention is always a good thing but it’s also a telling sign of how serious the situation is.

If you’re interested in doing it yourself or would just like to brush up with the issue, here are some things you should take note of:

• PPI stands for payment protection insurance, and as its name suggests it is intended to be used to cover payments for loans and credit cards should the policyholder be rendered incapable of meeting their monthly obligations due to various reasons, such as loss of employment or sickness. PPI was created for a worthy cause but some lenders have warped its use, causing policies to be mis-sold. Having been mis-sold a PPI policy makes you eligible to obtain a refund.

• You are mis-sold a PPI policy if you have expressly stated that you don’t want it but it was tacked on just the same to your loan, you have no idea at all that it exists yet you are paying for its premiums alongside your monthly loan repayments, or you have been told that you have to take out a policy in order to have your loan application approved or to increase chances of approval. Should any one of these conditions meet your situation, you can file ask for your money back.

• It’s possible to do it on your own. There might be a tedious patch where you have to gather documents to support your case for filing PPI claims but that’s it. Should your lender reject your claim, you can even get in touch with the Financial Ombudsman Service by going online. Doing your own case will also ensure that all of your money goes back to you. Sure, claims companies will not charge you for anything if your PPI claims are not approved but you can be parting with as much as 30% of your payout if you are successful. Wouldn’t you rather save that money up and spend it on other things you need?

• To get started, you have to write to your lender to inform them of your situation. If you’re lucky, your lender would have gotten in touch with you first regarding your issue, just like what many banks are doing these days. Banks have taken the initiative to write to customers they think may have been mis-sold PPI policies to aid them in filing a complaint. If you received this notice from your lender, this makes it so easier for you to lodge a complaint because they won’t be disputing your case seeing as they are the first to recognise that you may have been mis-sold a PPI policy.

• Typically, the payout you will receive will amount to the total premiums you have paid plus interest.

When you think of sporting events at a school you probably never thought at crowd control barriers could be a useful tool to ensure the event runs smoothly and with ease. In fact using these items not only makes the event run easier, but also helps you ensure that visitors don’t step onto the field or younger children don’t fall into the swimming pool at a gala event.

How to Use Stanchions at a School Sporting Event
When it comes to school sports day you want the day to be enjoyable for the children and their families. Usually the school is broken into various teams, so you can use the barriers to separate the teams so all the children know where to sit, these can also be used to cordon off the family areas so you don’t mix the children and adults together.

For running events, especially when working with younger children, they can get confused as to which lane they start in, again using the fencing here will help children determine their lane as they wait for the gun or loud speaker to go.
If the event hosts various sporting activities from running to long jump and high jump to other fun games, then you can separate each sporting area around the field using the stanchions available. This way children know exactly where they need to go when their event is called and there is no confusion.

Using this organized method ensures that the events run in a timely manner and also that they run smoothly, making it easy for the children and fun for everyone. I would also use the fencing at the bottom of the stands to ensure no one wanders onto the field while events are taking place.

Swimming galas are dangerous for younger visitors and using the safety fencing below the stands reduces the risk of anyone falling into the swimming pool and injuring themselves. A properly organized and managed event makes the entire experience memorable and enjoyable.

Unfortunately in Australia, there are many importers of cheap and shoddily constructed traffic control supplies. These typically do not last very long in harsh Australian conditions and are not only expensive to replace, but can even be a health and safety hazard. This is why you should always buy your speed humps and other traffic control products from a certified Australian retailer.

There are government regulations stating that speed humps must comply with AS2890.1:2004. This simply means that you should not only seek this logo when you are hiring a company to work with, but you will also need to check whether they are certified and are selling official products.

What Are Speed Bumps Made Of?

Many speed bumps are made from injection moulded linear low density polyethylene. This synthetic material is highly resistant to the Australian climate and weather extremes. Whether it is extremely hot and dry in the outback or always flooded, these speed bumps will help to slow down traffic all throughout the year.

Other Properties

Speed humps should always be supplied with everything that is needed for them to be installed. Many models have built-in prismatic reflectors so they can be seen easier at night. They are also UV stabilised and made of a high tech composite plastic which is extremely difficult to damage and will not wear out for a long time.

The speed humps are also moulded with a slip resistant texture which combined with strengthened mounting points, a built-in cable channel and increased strength with light weight makes sure that it will take the heaviest loads and the highest volumes of traffic.

Many speed humps also have low noise properties built into them so that they are suitable for quiet residential areas as well and will not interfere by creating unwanted sounds.

When it comes to selling your car, many individuals have come to find that dealerships are always trying to give you less than what your car is truly worth. Many people become a little nervous when they have to put on their salesman hat but, following the right steps will get the right buyer quick. The first step is to go on Kelly’s Blue Book and take the auto analysis on your vehicle to see what it is truly worth. Continue reading →