Do You Qualify For A Payday Loan Refund?

If we look at the complaints registered with the Citizens’ Advice Bureau about payday loan firms, around 76% of complainants filed cases for a refund or compensation. You could also need to seek a refund. If you have taken a payday loan against your name and you want to seek compensation, you may want to find out if you quality to file a complaint.

Here are instances where you qualify for a payday loan refund.

Reasons You Can Seek A Refund Or Compensation

Customers may seek compensation or a refund for a number of reasons. According to research studies, about 30% complaints are about lenders who take out money via a recurring payment. About 20% customers filed complaints that fraudulent loans were taken out in their names. Below are some of the common reasons you may file a complaint about a payday loan lender.

Fraudulent loans

Lenders have to verify a customer’s identity before issuing loans. Unfortunately, the verification is not done very carefully. As a result, many customers end up filing cases that loans were taken out in their names. If this has happened to you, contact the lender right away. If they don’t seem to help you, go to the Financial Ombudsman Service.

Harassment

As far as calls or text messages goes, it is difficult to decide what is considered harassment. Lenders are not supposed to make a call or send you a message after 8pm; however, if they do, you can sue them.

Recurring payments

Typically, the collection of payday loan repayments is done through CPA. It authorizes the lender to make a request for money to your bank. But they are meant to spell it out as well as explain the way you can go about canceling payday loans. Besides, they let you know prior to taking money out. Here it is important to note that some lenders keep trying all day long if the money is not deposited in their account in the morning, which means you, the customer, may be charged a good amount of money.

Unclear Repayment amount

Make sure the repayment amount is clearly mentioned on the lender’s website. On some lenders’ sites, you can find sliding scales that you can use to know the total cost of your loan. You can go for a refund if the repayment amount is not clear.

Your financial situation

Lenders consider a lot of factors, such as your age, employment, mental health, income, credit history and income before giving money out. If they have not done the checks and you can’t afford the repayments, you ask for a refund.

Repayment problems

If you are finding it hard to repay your loan, the lender is supposed to work with you to come up with an arrangement. For instance, if you have a good repayment plan in mind, they shouldn’t charge further interest and other charges.

In short, if you have faced any of these problems with your payday loan, you may want to let the lender know. If you don’t get a reasonable response, you should take your case to the Financial Ombudsman. This authority will decide if you deserve a payday loan refund or compensation after carefully reviewing your case.

It is best to use the services of a financial firm specializing in claiming payday loan refunds. They make the entire claims process a hassle-free one helping from the start to the end. This include filling out the application form right up to referring your case to the financial Ombudsman. However, you need to hire a company that knows what you are doing as well as one that won’t mount your debts further by way of processing fees.

You sought out a payday loan to resurrect yourself from a financial crisis. However, you only spiraled further into debt. You can claim a payday loan refund if it was mis-sold to you. Allegiant Finance Services can help you make your payday loan claims in quick and easy way at the lowest cost.

Why Cancer and Death Producing Drugs Are Legal

They kill but they are not banned. They cause immense pain yet they are legal. They fill the hospitals with victims and still the governments make money from them. They are the cigarettes, alcohol, drugs, and other things that make victims of their users. So why are they legal and why can’t the users get off these insidious creators of pain and death. The answer is because we are in the world of 666, the destroyer.

While people search for him in the rise of leaders and those who are causing today’s havoc they have never suspected Constantine, who established the Catholic Church in 325 AD, of being that person. They have not known how his systems of government and finance control the World Order.

Following my reincarnation and with a strong link to the Spirit of the Universe it commissioned me to remove the barrier of deceit put up by the first beast of Revelation 13 and strengthened by the Emperor. He used all the power of the first to make himself great in the eyes of men. He stole the name of the Spirit, Jesus, for his invented Jesus Christ, and now he “sits in the temple as God shewing himself that he is God.” (II Thessalonians 2:3,4).

The great falling away is taking place now as those who obtain knowledge are leaving religions in droves. The Spirit of God is flooding the world with light as promised in Micah 4:1 and the Mount Zion is here. It is the Internet to which all people are flowing for answers and it is available to people everywhere, even in the poorest countries.

The facts are that all is happening to the plan of the Spirit of the Universe, the only real God. It fills all of space and people are waking up to the size of that as space craft and cameras demonstrate it. Our nearest planet, Mars, is 250 million miles from earth and we have at least 8 and possibly 9 such planets in our solar system.

The Milky Way has trillions of stars and planets that we are aware of and the entire space is beyond human perception. This is also the size and power of the Spirit. Yet it is concerned with us. It planted a vineyard at the start of the day of the lord (Isaiah 5:4,7) as a metaphor for the children of Israel who were seeded with spirit and given instructions on how to remain loyal to the voice within.

That little voice has led and guided them to the end where we are now. The drugs, alcohol, and other poisons are part of the time as people burn up with fire and pain as judgment comes against them. What they did throughout the course of the day is recorded. They are back as promised (Isaiah 26:19) to learn why they have lived and why they are punished for their behaviour in past lives and this one.

Healthy Food Tips To Lose Weight

Need Discipline To Reach Goal

Have you ever set a fitness goal but just can’t seem to achieve it? Have you ever created a detailed and strict schedule for your healthy food tips to lose weight? but when it really comes down to execution, you don’t have enough discipline to follow? If your answer is yes to any of these two questions, this article would be worth your time taking to read, of course, if you plan to achieve your goals, and be able to eat ANYTHING you want.

First, we need to answer some important questions, not to me, not to anyone else, but to yourself. Why do you want to keep fit? What do you wish to achieve by keeping fit? Are you worried about your physique because you feel insecure of not getting enough attention from the crowd? Or do you want to be healthy so that you can eventually see your grand kids grow up and be able to do fun activities/spend quality time with them? Or do you wish to reduce the risk of ending up in the hospital bed, in pain?

For the healthy food tips to lose weight, most people have at least one of these 3 main reasons to stay healthy. But let’s face it, we want to be in a good spot for ALL of those reasons. Because if we can, why not?

Eating Healthy Food Tips To Lose Weight

I am going to share with you a secret of how I did it. And you will probably think: “This is so simple, I can’t believe I have not done so.”

There are so many theories on eating healthy food tips to lose weight, it even comes down to you segregating recipes for healthy food, and unhealthy food. Also which exercise regimes to follow, and who or how you want to look like, etc. The key is to keep it simple, and tailored to yourself. Because you are the best at being you. Forget about everything you have seen in the media and do this for yourself.

Natural Food

Basically, a clean food, is a healthy food, it is what your body only wants and NEEDS. What is clean food? Most of the food we eat on a daily basis has been “polluted” with the way it’s been farmed (like pesticides), different kinds of sauces to make it taste “better” (like MSG and factory manufactured sauces), not to mention the oil that’s been used. Go NATURAL. I repeat, NATURAL.

Healthy Food Tips

If you decide to indulge yourself with a piece of cake and think “I can’t afford the calories”, you need to change that mindset ASAP. What kills you is not the piece of cake, but the ingredients used in it. A cookie made with margarine, branded and manufactured chocolates, and white sugar, we all would agree, is a Pandora’s box of calories. But what about a cookie made of butter with less fat, chocolate chips made with real cacao powder (made of at least 50%-70% cacao), and palm sugar? Granted there will be calories, but they are good nutrients that your body wants.

When comes to healthy food tips to lose weight, I always do some research on the food I eat before I even think about putting it in my mouth. Spend some time educating yourself on the different benefits of not just a dish, but down to the natural, real ingredients.

Is it worth it, you might ask? The question is, do YOU think YOU are worth the effort? In the end of the day, you are the most important person to yourself and no amount of work done for yourself can be too much. Food makes up 80% of your shape, exercise only contributes to 20%. Do the math, I’m sure you can. See? I promised it is going to be very simple. And it WORKS. Try it for 2 months and I guarantee that you will see results.

I like to write about subjects that I am interested in. The purpose of my site is to share invaluable information on fat-loss so that you as the reader can benefit from it. I hope that you enjoy the information that I provide. Sign Up and Download FREE eBook Healthy Snack Meals & Recipes In 30 Minutes or Less.