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Archive for: February 2013

The Unintended Consequence of the PPI Scandal

Many people in Britain who own a mobile phone would have been alerted about the PPI scandal through SMS if not anything else. Even if the news of the scandal was unfamiliar with some, the texts stating they were owed a sum of money would have raised alarms.

The Payment Protection Insurance was a financial product sold by banks and building societies alongside mortgages, loans, car insurance and many other types of finance. The aim of the insurance was to protect the borrower if they were unable to pay back the money back to the banks for reasons such as illness or loss of job. Many banks sold this to people who didn’t meet the criteria. As a result banks have now set aside £13bn so far in order to compensate the victims of the scandal.

Along with having to deal with a long procedure of getting the money bank, or hearing problems with the delay of payments from the banks, the general public also face another consequence of the banks actions.

Claims Management Companies (CMCs) contact people claiming that they are owed a sum of money according to their records. In fact they do not have any records. The people who send out these texts then refer the case to agencies and claim a slice of the money owed if the public reply to these texts.

Investigating one company, the Information Commissioner’s Office, found that the company were sending out 800,000 texts per day. “We are totally against these operations,” says Andy Wigmore, spokesman for the Claims Standards Council, a trade body for CMCs.

He mentioned that there were in some instances genuine companies contacting people. However with the rise in illegitimate researchers, it is not always possible to determine from the customers point of view, who is right and who is a fraud.

Dominic Pearce, Marketing Manager at Leading PPI Claims Management Company, MisSoldPPIClaimsCo.co.uk, is in agreement stating that “We do not agree with the practice of cold-calling or bombarding the public with SMS messages. All of our customers have contacted us through our various online and general marketing channels”

The majority of people who claimed for redress have been successful. PPI claims can be made without the help of any companies. Individuals can apply themselves. However with the ever increasing advertisements stating “no win no fee” ever since the High Court ruling was delivered, some fall into a trap which they necessarily did not need to, leading to the companies taking out a slice of what is rightfully theirs.

Two Die as Crowd Protests in Bahrain

A protest occurred in Bahrain, Thursday in the morning. Two died during the said clash between the police and the protesters. One policeman and a teenager died when an ongoing protest happened on the streets of Bahrain. The said protest was in lieu to the anniversary if the uprising in the country that failed for two years now. The police officer died because the accused protesters threw a projectile at him. While the teenager who was only sixteen years old also died for he was reported that bird pellets hit him, this coming from Bahrain’s security.

Ongoing investigation took place after the incident. Those who were responsible should answer. Most of the protesters were protesting about political reform in Bahrain. Most of them want freedom from their ruler. Two years have passed that these group of protester were still aiming for the said reform. They already staged so many protests for the government to hear them but most of the times they fail.

The said incident was also due to what has been happening in Egypt and in Tunisia. The said protest was nothing new in the Arab countries for in different parts, a lot would stage protests against their government. The said uprising was feared by many because chaos has begun and many people who are involved will be harmed and if not killed by protesting. The Bahraini was seeking justice for the teenager. They would win a seat on human rights for what happened to the teenager. The King of Bahrain put up an independent commission to investigate and it turns out that the security forces was way overboard on their response to the chaos.

Iranian Leader’s Accusation to the United States

The dialogue between two countries should be able to have a good outcome or somehow should bring positive results between the countries that are involved in the talks. The United States and Iran already have their history of misunderstandings that caused both countries not to be on good terms. The Supreme Leader of Iran has accused the United States – centered on the US said to be putting too much pressure to Tehran. The leader named, Ayatollah Ali Khamenei described the US to be giving threats while seeking talks.

The dispute between the two countries was still unresolved. The US government through its Vice-President has given a reply that says Washington was always open to a direct talk between the Iranian government regarding the Iranian nuclear program. The US government wanted an agenda during their talks and be able to speak about it. The Iranian leader on the other hand doesn’t want to be pressured on the said talks. He also added that their government is not threatened at all.

The United States have already been strict in its economic sanction to Iran. The slow progress of the dialogue between Iran and the US has also pushed President Obama’s administration to re-check their diplomatic approach to Iran. The government has already reduced its oil purchased in Iran; this is only one of the reductions made to the country. There were other countries afraid to have US bank sanctions that have also reduced their purchases in Iran. The said countries are South Korea, Japan, and China.

Israeli Airstrike Condemned

Israel plans to send their warplanes to the war-turned country, Syria. The said plan could be against the United Nations charter. The Syrian Ministry already labeled the said plan as an inhuman action and a barbaric decision. The said airstrike could possibly be very harmful to a lot of Syrians and is therefore condemned by Hezbollah and Iran also including Russia. The incident made the Syrian government angry and they called for the UN officials to respond on the said inappropriate incident.

A news released last Wednesday that a source have said that there were Israeli warplanes that attacked a Syrian convoy but there were US officials who claimed that the attacks were not suppose to hit a Syrian convoy. The Foreign Minister of Iran warned Syria on any attack that might occur.

The United Nations have already urged world leaders to extend their aid in Syria and at the same time asking the Syrian government and the rebels to stop the war. A lot of Syrian refugees are in a bad condition and suffering from trauma with the on going situation occurring in their country. Most of the said Syrians are in evacuation sites in Jordan assisted by volunteers from the United Nations. Most of the refugees were children in need of counseling and activities to ease the tension that they have seen.

After the said issue that happened between Syria and Israel, the United Nations Secretary General Ban Ki-moon gave his statement last Thursday that what happened was a grave incident. The airstrike that occurred last Wednesday was labeled as an unacceptable incident.