MillsyVRS

Originally, PPI loan payments were a single premium added to the loan at the loan inception. Later this was largely stopped and PPI premiums were separate monthly payments instead. Normally the first thing that the banks would do (at least the one I worked for) is cancel the PPI if the customer defaulted on their payments (if the PPI couldn’t be used to help them that is). Don’t get me wrong, I’m sure it regularly was missold, but it was actually quite a good product, providing you were eligible etc, which is part of the whole miss-sale as some people such as self employed, weren’t. I saw people who really benefited from having it though.

The world might go through climate changes naturally. But I honestly believe that anyone who thinks the destructive activities of 7.5billion people on this planet won’t make the slightest bit of difference is simply ignorant beyond belief. Massive changes are needed by every single person. Reduce the use of fossil fuels and use public transport or walk or cycle more. Try and buy things that don’t contain palm oil, and lobby big companies not to use it. Massively cut out meat fish and dairy from our diets. Plant as many trees as possible and stop deforestation. Fully understand people’s comments about China and India polluting etc but I just think everyone needs to do what they can regardless of what other countries might be doing. Just my two pence

I worked for a bank’s PPI department for a few years so not a lot I don’t know about it! Credit cards are what the biggest pay outs are from. They would have been spending big to get that kind of money back. The banks will give all the premiums back they paid, plus 8% interest of the premiums that were paid after about 1993, and 15% on premiums paid before this. PPI was one of the best savings accounts you could have!

Thanks all for the replies. It may seem like it’s an obvious decision to say no but there were a couple of other factors not worth explaining that made it a little harder to say no. Just needed some of the above to help clear my mind and think straight on it. I’ve lent money to him personally before and always got it back, but businesses are always a different matter.

Hi all, has anyone ever invested in a friends small business or company? if so, how does it work? I have some understanding of buying shares in a big company on the stock market, but if I was to invest in a very small company, how does it all work legally? What would I need to prove I had given X amount for a certain percentage stake or X amount of shares in the business? Would it just be a friends agreement as to if or when a dividend was paid or wait for them to buy back my shares? He said they value the business at £100k, and expect to be at just under £1m in a couple of years. Very big and attractive growth figures. Obviously i’d love to help a friend and make some money but also slightly nervous about losing money if there’s nothing in legal writing. Thoughts and advice? I’m just not sure how it all works. Thanks!

I never got any bites that I can remember when we went

Loads of other photos but yeah, it’s lovely!

I ended up going here: http://www.watersidefarm-campsite.co.uk/camping/ could not recommend it enough. Good, clean facilities and absolutely stunning surroundings and scenery. Walking distance to a nice pub that did nice food and had board games to play, plenty of good walks to do etc. It was beautiful and we hired boats to go on the lake that we were just metres away from. Rained like nothing I’ve seen before on the first day and a bit on the second, but after that the sun came out and it was perfect. Definitely look it up. Hell of a long drive, but definitely worth it.

I emailed Unit 18 about a map from Shark a few days ago and asked about the liquidation when I found out today and for this reply: “It’s just Shark HQ that was affected, everything else is business as usual for the foreseeable, all software still available and development will continue. The actual read file to access your ECU was only released just over 4 weeks ago so it really is still very early days.” If Shark HQ is down and no doubt jobs have gone etc, how will development etc continue?

Thats a shame :(

I’ve also been trying to contact them since june through email, Twitter, phone etc and never heard a thing. Their voicemail says they’ve got phone and internet problems but they can’t still have had that for almost 3 months?! i thought they were well regarded in the industry, surely they haven’t just closed down the business without saying anything?

Hi all. I keep reading all these reports about car thefts massively on the rise, especially of the german brands and cars with keyless entry. Made me more concerned about it. Firstly, has anyone heard of a ‘ghost immobiliser’? Doing a quick google search of it and it sounds like it would make your car much much harder to steal. Secondly, does anyone have any aftermarket immobilisers or security features fitted? Are there any aftermarket systems that are endorsed or recognised by insurance companies? And are cars really that easy to steal? A lot of the videos you see suggest even the high end ones can be stolen in seconds. Are the manufacturers security systems up to scratch? Or car theives always one step ahead? I’d be interested to know peoples experiences with extra security and after market immobilisers etc. Many thanks and sorry for all the questions! Mike

And if people aren’t sure what this act is, I urge you to read ‘Red Notice’ by Bill Browder. Fantastic book.

I work for a banks PPI department and it sounds like you didn’t have PPI, but there’s no harm in asking your bank to have a look. (If the card was taken out after 2011/2012, it’s extremely unlikely that it will have it as they stopped selling PPI all together around this time).

SOLD