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Victor Favreau

How do you know when you have a PPI

The payment protection insurance is a great product or policy when implemented properly. The policy covers against the inability to make regular payments towards credit facilities due to the likely occurrence of unemployment, sickness or incapacitation. However, most banks have used this product as a means to make easy money from unsuspecting clients. While some loan customers remain ignorant of these shortchanging ploys, it is possible to launch and defend a claim that will result in actual repayment. One of the most common questions on ppi is how do i know if i have ppi? However, before this occurs, it is important to identify whether one has a PPI

Get all facts together


If one has ever accessed a credit facility from a bank, a credit card company or a mortgage financier, one can use their bank or credit statements to see whether they have previously contributed towards PPI. Moreover, they may trace back to the credit facility processing to see whether they were mis-sold the PPI policy without their consent. Also, it is prudent to understand whether they were forced unwillingly into committing to the PPI by clauses by the lender or missing by the salesperson or officers.

Inquire with the lender

Approaching the credit card firm, the mortgage financier or bank would be a prudent way to find out whether a PPI policy was applied for a loan. This will inform the client on when the premium began trickling in, how much was paid and the amount to be claimed. However, care should be taken to avoid unprofessional conduct.

Use claim firms

Claim firms have proper knowledge and skills as well experience in handling PPI claims and complaints. Hence, by soliciting for their professional advice and services, it becomes easy to establish whether one has a viable claim. It there exists such an arrangement; the claim firm can sum up the premium paid to amount to the claim to be paid by the lender.

Products sold with a PPI

One can know when a PPI was imposed to cover their credit repayments on certain products. Several financial products such as credit cards, personal loans, mortgages, store cards, overdrafts attract security regarding a PPI cover.

Credit reports


It is very easy to access credit statements through professional service providers such as Equifax, Experian, and Callcredit. These firms will inform their clients on whether a PPI was imposed and the type of PPI policies imposed such as credit insurance, credit protection insurance, loan repayment insurance, payment cover, protection plan, loan, protection, loan care among others.



The various safety options for your pool deck

Did you know that your pool deck can be hazardous more so if it becomes wet? Pool decks are meant to be used for recreation purposes as well as for having fun. You will no doubt have fun at your pool if you know that you are assured of your safety. If you are looking for information about resurfacing your pool deck, then you have come to the right place. If you are looking forward to a safer pool deck for your home, then continue reading on for more information.

Ways of resurfacing your pool deck to maximize your safety

Improving tractionlhtkgjf

Even a porous surface can become very slippery if wet. But to avoid this, you can use a decorative concrete that is hardened and treated. There are several ways that you can improve the traction of your pool without interfering with its appearance. The methods include using textured aggregate finishes, putting textured overlay and rubber resurfacing.

Installing barriers

If you want to be sure that your pool deck is safe, then you need to fence to prevent intruders from gaining access to it. The barrier should be included in your layout and design.

Take a protection cover

If you have kids who play around your swimming pool, then it would be advisable for you to obtain a safety cover for them. The cover is meant to safeguard against accidental falls and slips. The cover will ensure that your pool remains safe even when it is not being used. If your pool deck is slippery, then consider hiring a contractor who will help you in resurface it with rubber to make it non-slippery.

Install alarms in your swimming pool

There are four pool alarms types that you can easily buy including;

Perimeter alarms

They are placed at strategic points in your swimming pool to make a laser field. If your kid passes through this field, then the alarm will sound.

Sensitive alarms

This is an alarm that can know when the pressure of the pool changes drastically and this makes the alarm to sound.


Increase supervision by adults

The best alarm to your pool deck is an adult as this would save a child who might have drowned in water.

The above-mentioned safety tips will help to make your pool area safe for the whole family.…


Different Types Of Cottages

The popularity of cottage housing remains great among vacation seekers or rural area dwellers. The general assumption about a cottage is that it is a traditional old-fashioned property, which is not true as modern cottages are very modest and have state of the art inbuilt facilities that provide superb comfort. Cottages come as detached, terraced or mobile houses. Interestingly, the design of the cottage can be differentiated to fit the customized need of the owner while most cottages occur in three differentiated tiers which include; value, deluxe and premium cottages. Visit pihasaunat for the different types of cottages.

Mobile cottages


This type of cottage is movable and can be attached to a truck and pulled to the desired spot. This type of cottage has inbuilt facilities that allow one to enjoy the comfort of a mobile home without unnecessary having to pack for holidays as one moves with their possessions. The mobile cottages are very popular and affordable since one hire a yard area at affordable prices and enjoy their vacation at the convenience of their property. The design of a mobile cottage allows the owner to use the main room, kitchen area, bedrooms and composite bath and toilet for their comfort.

Forest cottages

These cottages are commonly found in a forest. The users are attracted to the privacy or are nature enthusiasts who give them a unique location in the forest. Forest cottages are very popular with bounty hunters, campers, mountain climbers, students on vacation among others. These cottages are well secured and have reliable septic systems. They are also well resourced to have the necessities in term of water and lighting.

Holiday cottages

These types of cottages are under the management of a cluster of hotel service providers. They are offered under different pricing plans and accommodate a given number of people at a given time. They may be detached from one another and are well decorated to give an aesthetic value to the users. They are mostly located near attraction sites that attract heavy traffic to the area. Summer cottages mostly fall under this category.

Farm or ranch cottages


These types of cottages are very common in rural or semi-rural areas. They take the old countryside appearance and are made from locally available materials such as a thatched grace for the roof and roof for the cabin. Farm cottages are very convenient even for vacation seekers as one can learn and enjoy about farming or ranching. Farm cottages are common especially in apple, grape farms that have wineries or farms that breed horses among other animals.…