November 21st, 2013
Following the Financial Ombudsman’s receipt of its one millionth PPI claim, four-year Chief Ombudsman Natalie Ceeney had resigned from her position. According to Nicholas Montagu, Chairman of the Financial Ombudsman, Ceeney felt that it was time to move on from the Financial Ombudsman and into a new career.
Deputy Chief Ombudsman Tony Boorman will replace her position indefinitely as the Chief of the office.
Natalie Ceeney said that she enjoyed her time working in the Financial Ombudsman and while her reasons for leaving are personal, she is very proud of the social and economic changes the FOS had brought to helping UK consumers and banks ensure their healthy relationship.
Ceeney had spent her last four years in the Financial Ombudsman dealing with the peak of mis sold PPI claims. The Financial Ombudsman had received a total of 210,000 PPI complaints in the last half of 2012, which was overtaken by the previous half of 2013, garnering a total of 265,000 complaints.
PPI is designed to repay loans, mortgages and credit cards, but because of the mis selling performed by banks due to improper incentives to increase work volume, many ineligible consumers had an insurance they did not need. On average, a consumer could reclaim £3000-3500 from a single PPI refund.
Categories: Finance |
Tags: claims, compensation, ppi, ppi complaints | No Comments
November 21st, 2013
Surely, you have tried one of these in your spare time. Drinking soda, eating good food, regardless of fine cuisine or fast food and even your facial or mouthwash are popular products because they’re needs. However, these things could have unique histories as listed here.
Today, Olay is a multi-billion brand of skin-care from Procter and Gamble, but before it had its brand name, it was known as the Oil of Olay in the United States. If you’ve lived long enough in the United States, the Oil of Olay was only a white substance for facial care in a plastic bottle. A chemist from South Africa and a copywriter and advertiser made the advertising for the product so mysterious that people didn’t know it was a moisturizer. But it had worked effectively.
2. Dr. Pepper
Dr. Pepper, the famous soda brand, was not created by a doctor, but a pharmacist. Charles Alderton was a pharmacist at Morrison’s Old Corner Drug Store in Texas. Like the legend behind Coca-Cola, Alderton was mixing up different flavours of fizzy substances when he did not work in the pharmacy. The fruity smell of the soda fountain tasted exactly as it smelt.
Listerine is actually a development of Dr. Joseph Lawrence based on the work done by Joseph Lister on antiseptics. However, Joseph Lawrence’s work had the antiseptic work orally. Lister only discovered that carbolic acid killed germs. Lister originally planned to use the antiseptic for operations, but it is very hard on the skin. However, Joseph Lawrence developed the antiseptic as an oral mouthwash to kill germs in the mouth.
Categories: Business |
Tags: business, business products, popular products, products | No Comments
November 1st, 2013
Movie conspiracy theories give you some thought about the current human condition and who’s taking advantage of whom. However, cinematic conspiracy theories do exist in the real world and some of them are very, very crazy.
1. Hollywood Killers
Randy Quaid said that an organisation of serial killers are out to kill Hollywood stars. Quaid said that these “Star Whackers” have already killed several renowned Hollywood stars such as Michael Jackson, Heath Ledger and Chris Penn. They both believe they might be next. However, the crazy part is that Randy Quaid was never a star and this conspiracy might be an excuse to avoid paying compensation for certain damages they caused.
2. Nazi Spy
Errol Flynn was famous for being Robin Hood in The Adventures of Robin Hood and because of his promiscuous lifestyle. He was also naturalised into America from Australia. A biographer, Charles Higham, questioned his patriotism, claimed that Flynn was a Nazi agent, and used the friendship of Flynn towards Hermann Erben as Proof. Because of this, Franklin Roosevelt refused the aid of Flynn from his connections in Ireland because of the rumours.
3. Disney Conspiracies
Snow White, a remarkable Disney classic, became the center of great conspiracies regarding teaching children about cocaine. The theory is supported by the fact that Snow White is actually a moniker for cocaine and the Seven Dwarfs’ names were references to the stages of addiction. From Happy to Bashful, the last dwarf, Doc, is the last person they need to see.
Categories: Cultures |
Tags: conspiracy, pop culture, society | No Comments
October 14th, 2013
The Financial Ombudsman marks its largest acquisition of bank-rejected PPI complaints in the last two quarters of 2013. Around 266,388 bank-rejected PPI complaints increased the PPI complaints the FOS receives by 26%. Financial Ombudsman Chief Natalie Ceeney said that it was disappointing to see banks continue to ignore the example set by the FOS in handling PPI complaints.
The city watchdog recently conducted its own investigation and found that out of 18 banks 12 were due for enforcement action and they could also fine the financial companies for unnecessarily delaying consumer PPI claims.
You are mis sold PPI if you believed it increased your likelihood for loan application success or if you were already excluded from its provisions upon the time you purchased it. You could know the entire amount of compensation you have by using a PPI calculator from claims management companies.
The Financial Conduct Authority said the 12 banks due for enforcement failed to consider the consumer’s circumstances during the time they were purchasing PPI, the exclusions of the insurance’s terms and conditions and the lack of a proper explanation for consumer delays.
According to the Financial Ombudsman, some banks and financial companies are seeing the positive effects of addressing claims early. Experts said that should banks eagerly comply with the refunding of consumer claims, the PPI compensation bill could move to a standstill upon reaching £13 billion. Currently, £12 billion is earmarked for compensating consumers from the entire UK banking industry.
If you were mis sold PPI and you need legal help and advice, do not hesitate to work with a PPI calculator UK claims companies can provide you.
Categories: Finance |
Tags: claims, complaints, Finance, ppi, ppi compensation claims, uk | No Comments
September 27th, 2013
Mass media has always been a powerful source of information and entertainment. As the lines blur between the two especially with the dawn of the Internet, it becomes apparent that subliminal messages could be felt but not distinguished by the common audience. Media influences you, especially on your views about women.
1. Men are Owed a Media-Fabricated Image of a Woman
As weird as it sounds, mass media exposes a lot of adult-aged women just out of their teen years to dress scantily and prance around different shows, series and movies. These women look amazing and beautiful and anybody who’s a lead actor is a man who deserves such a woman. Now that you read this men, don’t you think you are owed a woman as such too?
2. Sex Objects
Feminists in the early ages fought against men’s views about women treated as sex objects. This led to people looking down on prostitution with the support of different religions. However, the media, just like the example in number one, shows you a woman could be a decoration and the more it repeats, the more you view that women are decorations rather than humans.
3. Sexual Conspiration
Men often justify that the male libido is separate from their emotions and their ideals. Science proves such as well. This is why most females who wear very revealing clothing are blamed for sexual urges. You often find these in comic moments in movies or sitcoms.
Categories: Cultures |
Tags: females, feminism, gender, mass media, media, sex, women | No Comments
August 30th, 2013
The Internet is a giant highway of information anybody with an Internet access could explore. It could give you useful information, entertain you and allow you to discover something new. Sometimes, discoveries are not all you think they are supposed to be. Here are a few really weird websites that exist in the Internet.
Pointerpointer.com actually does what its URL said it does; it features a photograph of a group of people pointing at something and their hands follow your mouse pointer. So why would a group of people or the website designer want that? Go figure.
If you are interested in seeing how many passenger airbuses fly from one airport to another in a single day, then head to Flightradar24.com. The website features a real-time updating Flash that shows every airplane flying in the world today. You could even see its destination and trajectory.
For $5 for every word you write, your telegram could be delivered to people that have passed away. If it is true that their terminally ill volunteers who are about to pass away really memorize the telegrams you send, this is by far the weirdest website and service in the Internet today. However, what you pay is donated to the family of those who are terminally ill.
What makes this website special is that it features a service that will have users hypnotized by professionals and even provide memory implants to give clients an out-of-this-world alien abduction experience. Crazy indeed.
Categories: Uncategorized |
Tags: bizarre, internet, services, websites, weird | No Comments
August 14th, 2013
Art had always been about expression and artists are never the people easiest to understand. The produce of their bizarre efforts often end up with unnatural and sometimes disturbing images in their art masterpieces. Here is a list of crazy art pieces made by existing artists in the world today.
1. Piero Manzoni – The Can of Human Waste
Actually titled “Artist’s Sh*t”, Piero Manzoni died while giving satirical humor and a bizarre, funny mood to his art. The art world saw at least a hundred tin cans of excrement coming from Piero Manzoni himself. The cans of excrement, which were produced in 1968, now fetch a price of £97,250 per can on average.
2. Mark Quinn – Frozen Blood Sculptures
Every year, artist Mark Quinn creates sculptures of his head using his own frozen blood. He extracts 4.5 liters of blood from his body in the course of five months and allows the blood to freeze into a mold before he begins sculpting.
3. Helen Chadwick – Urine Flowers
White-enamelled bronze casts made from holes in the snow that Helen Chadwick urinated on is a form of art. Piss flowers, or urine flowers, her works of art, are still selling ata high price with only 12 bronze casts.
4. Andres Serano – Piss Christ
Andres Serano’s idea of urinating in a jar with a crucifix of Jesus Christ became controversial in the 1980s. Serano was accused of cheapening Christianity. However, the artist said that the art itself was the description of what Christianity had become; a commercialized system of beliefs.
Categories: Bizarre |
Tags: art, artists, bizarre, list, works | No Comments
July 22nd, 2013
Small things evolve into bigger things if consistency and persistence are present. If you do some small things to help your health, you’re actually giving a whole new dimension to the phrase “prevention is better than cure”. Here is a list of small things you could do that could grant you great health benefits in the future.
Experts say that when you floss on a daily basis after you eat every meal you have in a day, you remove a great amount of bacteria from your teeth. Plaque and bacteria build up on places where teeth brushing couldn’t reach. A small act of flossing on a daily basis can prevent the entrance of oral bacteria into the bloodstream, which could have you grave consequences.
2. Eating Every 2 hours
Eating is an important aspect of everyday life, but if you eat properly every 2 to 3 hours, you can stabilize your metabolism. Experts said that eating healthy snacks twice a day and eating three sets of meals daily could stabilize and improve one’s metabolism effectively. You won’t develop lean muscles without food and you will only go thin if you don’t eat properly.
3. Vitamin D
A good level of Vitamin D could help your body defend itself from cancer and Alzheimer’s disease. Snacking on cereals or soy-based products helps your body increase its receipt of the beneficial vitamin. Add your usual sausage and eggs and you’ll have a fine breakfast with good memory retention and cell life in the future.
Categories: Health |
Tags: food, health, nutrients, personal health, tips | No Comments
June 27th, 2013
First-Person shooter gaming (FPS) is one of the most enjoyable kinds of games that is both exhilarating and very intelligent. It has evolved from the first-ever FPS Doom in the 90s and into something more with different elements to date. However, FPS gaming has its own bad sides. Here is a list of things that actually spoil these wonderful games.
1. Gamer Attitudes
People play games because they want to be entertained, but many gamers in the genre love to launch verbal attacks on other players. Many act tough behind a computer screen spouting curses at some players. While friendly players exist, competitive players may also turn-off many first time gamers.
Hackers will always be present in any game genre especially when it is online and multiplayer. These will often cheat and break codes in the game to give them an up against their opponents, taking the fun factor out of the FPS gaming genre.
Game servers have their moderators and these moderators provide the rules and ban the hackers of games. Most moderators have auto-kick functions in most servers. However, many moderators are lazy; they often let the bad apples into the box without any question. While there are many good game moderators, some do a real bad job.
4. Server Crashes
Gaming servers can crash at any time and can be frustrating for a new player. Some of them may even crash at the crucial points of a game. This can be a great turn off for some players who are looking to increase their level with such a match only to have it ended by a server crash.
Categories: Cultures |
Tags: bad, cultures, doom, first person gaming, fps, gaming, negative, problems, servers | No Comments
May 21st, 2013
The office; a workplace for people with like objectives that team up to achieve business objectives set by their superiors for the betterment of the business. As you’re teamed up with people you’re not too familiar with, sometimes you find great friends and workmates. Sometimes, you’re not so lucky because they act in such a weird manner. Here is a list of the most terrible office behaviours of all time.
Any country’s government has a law against racism, but the law also states that everyone can express themselves and their interests freely. Sadly, some workmates could introduce racism in the workplace. Some try to bully you or even offend you with their statements.
2. The Career Person
Any corporation has one employee who strives every day to impress their superiors in the hopes of gaining a promotion sometime soon. Regardless if they’re doing this for a planned marriage or a stable future for their family, they are still offensive and bossy especially if you get to work with them.
3. Improper Habits
The office is similar to a community; your neighbours must respect your property as you respect theirs. However, some workmates have improper habits like spitting on the floor, chewing gum and sticking it anywhere (including your chair), littering and making coffee circles where their mug lands.
4. The Sprinter
There is that one employee who always goes late to work and eventually runs between closing elevator doors, squeezing him or herself into a crowded pack of employees and running without looking at the people they come crashing across.
Categories: Bizarre, Business, Cultures |
Tags: bad, behavior, behaviour, business, office, terrible, unacceptable | No Comments