I Think The Word PPI Should Be Banned, Who’s With Me?

30 11 2016

Dial Phone

Unless you have no TV, Phone, Email Account, Facebook, Twitter, Video Games Console, Front Door, House, Windows, Friends and Never go outside; then it may be possible that you have never heard of PPI. PPI (of course) stands for Payment Protection Insurance and is according to Wikipedia: “An insurance product that enables consumers to insure repayment of credit if the borrower dies, becomes ill or disabled, loses a job, or faces other circumstances that may prevent them from earning income to service the debt. It is not to be confused with income protection insurance, which is not specific to a debt but covers any income.” Well since about roughly 3 years ago (if not more), rumours spread that banks and loan company’s might have miss-sold it to their customers, and there was an opportunity for those who were miss-sold it to reclaim it. That was great news if you were miss-sold as it meant that you could reclaim money. Being sure is very important in these circumstances, and you would prefer to have a definitive yes or no, and if it was the case that you were miss-sold money and be given the opportunity to have that money returned to you, you would jump on it. On the opposite side of the coin, if you knew for a fact that the answer was originally No to the question “have you ever been miss-sold PPI?” then you would be happy as it would confirm that you have not necessarily lost money either. When it comes down to those who found out the answer was ‘Yes’ however; they needed to be given the opportunity and service to reclaim that money. However for those who found out that the answer was indeed ‘No’, then you would think that they would just be left alone to get on with their lives, not be talked down to by TV Adverts or be phoned round the clock by harassment agents belonging to call centres for 3 flipping years.

ppi-1

Ever since the word PPI made it onto the streets of the UK (if not the world), agencies were set up to try and ‘help’ you get your money back, (possibly for a cut of the returns) if you were one of those people who was genuinely miss-sold PPI, however for those of us who weren’t, we were still included in the seasonal fun of asking if we had. It’s nice to see some inclusion from these agencies for once, but after the number of times they have asked, told them that I hadn’t or that I was not interested, they still keep calling back. Now it is probably down to some kind of automated machine which brings up my house number for some lone drone to then ring me, but after 3+ years of being given the opportunity for any PPI to be refunded, you’d think everyone would have received it by now wouldn’t you? But supposedly the answer is No, and so they continue to ring up and ask to the point where they must be committing Harassment by now. It’s for this reason that I think the word (or at least those 3 letters of the three words in that order that make up those 3 letters in that order) PPI should be banned! These companies have now had plenty of time to find and return the money miss-sold, and now it’s time for this whole affair to end!

TV

Now there is one thing of course that could be a problem if it were to stop, and that is those poor people; who have been employed to ask everyone else, would be unemployed as a result. Alternatively, if they were allowed to spread their wings and be given an opportunity to go find other work, then they would be able to learn and maintain real skills and achieve proper prospects for themselves (more at least than they must be getting right now ). It’s a win for everyone: we stop getting harassed, and people in a slum of a job right now get a chance at far greater work opportunities. We of course still need to give those who may still be waiting (if any by now) to receive their money back, but I think the sooner the better. I was thinking maybe around March 2017. You know, these companies would then be given some time to have a proper hard go at their supposed job, but then come the first second of April 2017, they would have stop outright, and the term PPI would be banned, and any use of it down the phone could see the charging of a hefty fine (if not a Prison Sentence). Then we can get on with our lives and be safe in the knowledge that nobody will call us regarding our current PPI Status or be ruining TV with the use of that word either. Now if it was the case that some people still had money to reclaim, then in that case it should go down to professional investigators whose soul task it would be to do a proper professional audit trail and reward it justly (like the people on Heir Hunters), not harassingly. If by the end of that, there is still money to claim, but no one to claim it, then why not spend it on giving free ice cream to the people of the UK (not those who work at reclaim PPI companies, they don’t deserve it), and then we can get on with our lives. Now I realise of course that I have no real power to ban the letters or word PPI, and it will take some form of petition and act of government to achieve this, but as an idea, do you agree? Alternatively however, we could find other uses for the Letters PPI, maybe some kind of whimsically funny pun on something else, and then if that were to work; every time one of these people phoned up and said PPI, then we could just laugh at the funny lettering, and get some level of Joy from PPI instead? What do you think?

GENEPOOL

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North And South

16 04 2016

Great British Flag

Milking the cow,

Reaping the grain,

But for why I don’t know how,

I continue with this strain.

Not enough money,

To feed my family,

If circumstances could differ,

Behind a desk I would prefer.

GENEPOOL





Behind The Wheel

5 08 2015

Steering Wheel

Last week, I took my first step into doing something I have always wanted to do, but so far as yet had not. I had my first sitting behind the wheel of a car.

Ford Fiesta

For the past several weeks, I have been trudging around several employment websites looking for work, and am as yet unsuccessful in finding something. When I do find something promising, or that I like the look of, I will read about it and if still interested would apply for it. One issue that I have found is that many jobs ask for a current driving licence. Not too big a thing unless you don’t have one, and need the income to learn to drive in the first place. Well, a few weeks ago I started looking into Intensive Driving courses in the hope I could learn quickly and receive a driving licence as quickly as possible to allow me to apply for those kinds of jobs with ease. A couple of weeks later, my Mam informs me that a friend of hers at work, knows some people who offer driving experiences to allow the people the option to just have a little driving lesson and see how they feel. The experience is only really offered to 14-16 year olds, not people over the age of 20. However, I was able to get a slot to have a little go behind the wheel of a car.

Traffic Cones

I was booked in, and went to the Truck Haven near Carnforth last week where a section of car park was roped off. I was rather scared and worried as I had no idea how the car was going to react, or if I was going to like it or not. I had little worries going through my head. I met my instructor there and he had me take a seat in the front of the car behind the wheel. Getting in was hard due to my height, but he took me through the basics, such as pushing the seat back, heightening and lowering the back rest, adjusting the mirrors, the order of pedals including which foot to use best for which pedal, everything to the point of turning the car on for the first time. He then instructed me about the ‘biting point’ and how to start the car up into it moving for the first time. To begin with it was only in first gear, and I only drove round the area once before coming to a stop. But I really enjoyed it; it felt so amazing to drive the car round. We then did it again, I was a bit harder on the brakes that time, but I was beginning to enjoy it more.

Test Drive Unlimited 2 (Eden Games - 2011)

And it didn’t stop there. He took me through braking for a corner (something I was worried about given my experience in Test Drive Unlimited 2) and how to change-up and down a gear. I really did enjoy it, and felt a little bit sad when my slot time was up. I had a brief talk with the instructor and my Mam, and the hope now is that I will be proceeding with learning how to drive. I am still a little scared to be going out on the road with real drivers to learn, but I am kind of excited to finally learn how to drive a car. Then all I will need to do is get a job to pay for my own once I pass my driving test.

Pagani Huayra

GENEPOOL (I very much doubt that my first car will be a Pagani Huayra).








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