Business
Don’t Miss Out on Your PPI Refund: Exploring Late Claims and Their Validity

Are you one of the millions who may be missing out on a well-deserved PPI refund? Don’t let your chance slip away! Whether you’ve never made a claim or thought it was too late, we’re here to debunk the myths and uncover the truth about late claims. Join us as we dive into the depths of PPI refunds, exploring their validity even after all these years. It’s time to seize what’s rightfully yours and embark on an enlightening journey towards financial justice – because in this blog post, missing out is not an option!
Introduction to PPI Refunds and the Deadline
Payment Protection Insurance (PPI) refunds have been making headlines for years, with millions of people in the UK being mis-sold this type of insurance. PPI was originally designed to cover loan or credit card repayments in case of illness, injury, or job loss. However, many banks and lenders aggressively sold PPI policies without properly informing consumers about its exclusions and terms.
After a series of investigations and legal battles, it was found that this widespread mis-selling had caused millions of people to pay for something they didn’t need or wouldn’t be able to use. As a result, the Financial Conduct Authority (FCA) introduced a deadline for making PPI claims – August 29th, 2019. This means that if you have not made your claim by this date, you may miss out on your chance to receive a refund.
In this section, we will explore the concept of PPI refunds in more detail and discuss the importance of meeting the deadline for submitting your claim.
What is a PPI Claim?
Payment Protection Insurance, commonly known as PPI, was intended to cover loan repayments in the event of unforeseen circumstances such as illness, job loss or death. However, it was often mis-sold by banks and other financial institutions alongside loans, mortgages and credit cards. As a result, millions of people were paying for this insurance without their knowledge or consent.
In 2011, the UK government ruled that PPI policies were being sold unfairly and ordered banks to compensate customers who had been mis-sold the insurance. This gave rise to an influx of PPI claims being made against various banks and lenders. In fact, it is estimated that over £40 billion has been paid out in compensation so far.
But what exactly is a PPI claim? And how do you know if you are eligible to make one?
A PPI claim is a formal request for compensation from your bank or lender for having been mis-sold Payment Protection Insurance. It involves providing evidence that you were sold this insurance without your knowledge or understanding of its terms and conditions.
To determine whether you have grounds for a valid PPI claim, there are certain factors to consider:
1) Did you take out any type of loan (mortgage, credit card, store card etc.) between 1990 and 2010?
2) Were you aware that PPI was included in your loan agreement?
3) Were you given enough information about the policy’s features and exclusions?
4) Were you informed that PPI was optional and not a requirement for obtaining the loan?
5) Did the salesperson pressure you into purchasing PPI?
6) Did the salesperson fail to inform you of any alternative insurance options?
If your answer is “yes” to any of these questions, then you may have a valid PPI claim. It is important to note that even if you have already paid off the loan, you can still make a claim for mis-sold PPI.
To make a PPI claim, you will need to gather evidence such as loan agreements, statements or receipts. You can then submit a complaint to your bank or lender either by phone, email or letter. If your claim is successful, you will receive compensation which typically includes a refund of all premiums paid for the PPI policy plus interest.
There are also companies known as “claims management companies” that can assist you in making a PPI claim. However, be aware that they may charge a fee for their services.
In summary, a PPI claim is a way for consumers to seek compensation for being mis-sold Payment Protection Insurance. If you believe that you were sold this insurance without your knowledge or understanding, it is worth exploring your options and making a claim.
Understanding the Deadline for PPI Claims
When it comes to claiming for mis-sold Payment Protection Insurance (PPI), understanding the deadline is crucial. The Financial Conduct Authority (FCA) has set a final deadline of 29th August 2019 for all PPI claims to be made. This means that after this date, no new PPI claims will be accepted by banks and other financial institutions.
However, this does not mean that you should delay making your claim. In fact, the sooner you start the process, the better chance you have of receiving your refund before the deadline. It’s important to understand the implications of missing out on this opportunity and how late claims may affect your chances of receiving a refund.
Firstly, it’s essential to know if you are eligible to make a late claim. The FCA has outlined specific criteria for late claims which include:
- You were not aware that you had PPI on your financial products
- You were not informed about the commission being earned by the bank or lender from selling PPI
- You were told that having PPI was compulsory in order to obtain credit
If any of these apply to you, then you may still be able to make a valid claim even after the deadline has passed.
It’s also crucial to keep in mind that while there is a final deadline in place, some banks and lenders have their own earlier deadlines for submitting PPI claims. Therefore, it’s always best to check with each individual institution as soon as possible and gather all the necessary information to make your claim.
Another important factor to consider is the time it takes for a PPI claim to be processed. Typically, a PPI claim can take anywhere from 6-12 weeks, but this can vary depending on the complexity of your case and the responsiveness of the bank or lender. This means that even if you submit your claim before the deadline, there is no guarantee that it will be processed in time.
If you miss the final deadline, you may still have options available to you. The Financial Ombudsman Service (FOS) will continue to handle PPI complaints after the deadline, as long as they are made within 6 months of receiving a final response from the bank or lender. However, keep in mind that this process can take longer and may not result in a refund.
Understanding the deadline for PPI claims is crucial in order to ensure you don’t miss out on any potential refunds. If you believe you have been mis-sold PPI, it’s important to act quickly and gather all necessary information to make your claim before it’s too late.
Steps to Making a Late PPI Claim
Making a late PPI claim can seem like a daunting task, especially if you have already missed the initial deadline set by the Financial Conduct Authority (FCA). However, it is important to know that there are still steps you can take in order to make a late PPI claim and potentially receive a refund. In this section, we will guide you through the steps to making a late PPI claim.
Step 1: Gather all relevant information
The first step in making a late PPI claim is to gather all the necessary information. This includes any documentation related to the loan or credit agreement where PPI was sold, such as statements, receipts or policy documents. It is also helpful to have any correspondence with your lender regarding PPI.
Step 2: Check for mis-selling
Once you have gathered all the relevant information, it is important to check if your PPI policy was mis-sold. The FCA has outlined three main reasons for mis-selling – if it was added without your knowledge or consent, if it was unsuitable for your needs and circumstances, or if you were pressured into buying it. If any of these apply to your case, then you may have grounds for a late claim.
Step 3: Write a letter of complaint
If you believe that you were mis-sold PPI and wish to make a late claim, the next step is to write a letter of complaint to your lender. This should outline why you believe the policy was mis-sold and request a refund. You can use the FCA’s template letter as a guide, but it is important to personalise it to your specific case.
Step 4: Wait for a response
After sending your letter of complaint, you will need to wait for a response from your lender. They are required to acknowledge your complaint within eight weeks and provide you with a written response. If they agree that the PPI was mis-sold, they should offer you a refund or compensation.
Step 5: Take your case to the Financial Ombudsman Service (FOS)
If your lender does not respond within eight weeks or if you are unsatisfied with their response, you can take your case to the FOS. The FOS is an independent body that helps resolve disputes between financial institutions and consumers. They will review your case and make a decision on whether you are entitled to a refund or compensation.
Step 6: Seek legal advice
If both the lender and the FOS reject your claim, you may want to seek legal advice from a solicitor who specialises in PPI claims. They may be able to help you navigate through the process and potentially increase your chances of receiving a refund.
In conclusion, making a late PPI claim requires gathering all relevant information, checking for mis-selling, writing a letter of complaint, waiting for a response, and potentially seeking legal advice. While the process may seem lengthy and complex, it is important to pursue a late claim if you believe you were mis-sold PPI in order to potentially receive a refund.
The Importance of Seeking Professional Help for Late Claims
Late claims for PPI refunds are becoming increasingly common, as more and more people are realising that they may have been mis-sold payment protection insurance in the past. However, many individuals may be hesitant to pursue a late claim due to various reasons such as lack of knowledge about the process or fear of rejection. This is where seeking professional help for late claims becomes crucial.
Firstly, it is important to understand that time limitations apply when it comes to making a claim for a PPI refund. The Financial Conduct Authority (FCA) has set a deadline of 29 August 2019 for all PPI claims to be submitted. This means that any claims made after this date will not be considered by banks or financial institutions. Therefore, if you believe you have a valid reason for claiming back your PPI but have missed the deadline, it is essential to seek professional help immediately.
One of the main benefits of seeking professional help for late claims is their expertise and experience in handling such cases. These professionals have an in-depth understanding of the PPI industry and can navigate through complex regulations and policies with ease. They know what evidence is needed to support your claim and how best to present it, increasing your chances of success.
Moreover, seeking professional help can save you time and effort. Many individuals who try to make a late claim on their own often face difficulties in gathering all the necessary information and filling out complicated forms correctly. This can lead to delays or even rejection of the claim altogether. With professional help, all the legwork is taken care of, and you can trust that your claim will be handled efficiently and effectively.
Another significant advantage of seeking professional help for late claims is that they work on a no-win-no-fee basis. This means that you do not have to pay any upfront fees for their services. They only charge a percentage of your successful PPI refund, making it a risk-free option for those who may be hesitant to spend money on trying to reclaim their PPI.
Seeking professional help for late claims is essential if you want to increase your chances of success in claiming back your mis-sold PPI. These professionals have the knowledge, experience, and resources to handle your claim effectively, saving you time and effort. With the deadline fast approaching, it is crucial to act quickly and seek professional assistance before it’s too late.
Conclusion: Don’t Give Up on Your PPI Refund
As the deadline for making a PPI claim approaches, it’s understandable that many people may feel discouraged and give up on pursuing their refund. However, we want to encourage you not to lose hope and continue exploring your options for a potential PPI refund.
Firstly, it’s important to note that while the official deadline for submitting a PPI claim was August 29th, 2019, there are still some exceptions and alternative routes available. One such exception is if you were mis-sold PPI after this deadline but before the implementation of new rules in April 2021. In these cases, you can still submit a complaint to your lender and potentially receive a refund.
Additionally, even if your complaint falls outside of these exceptions, there are other avenues you can explore. For example, you may be able to make a claim through the Financial Ombudsman Service (FOS). The FOS has its own set of rules and regulations regarding late claims and will consider each case individually. Therefore, it’s worth contacting them to see if they can assist you in obtaining your PPI refund.
Furthermore, some lenders have also extended their own deadlines for accepting PPI claims. This means that even if the official deadline has passed, your lender may still be willing to review your case and potentially offer a refund. It’s always worth checking with your lender directly or consulting with a reputable claims management company who can help navigate the process for you.
Finally, it’s important to remember that the PPI scandal has affected millions of people and resulted in billions of pounds being repaid to consumers. Just because the official deadline has passed, it doesn’t mean that your claim is not valid or that you are not entitled to a refund. Don’t give up on your PPI refund and continue exploring your options – you may be pleasantly surprised by the outcome.
Business
What your employees won’t say to HR but will write in a review

In most companies, the HR team is seen as the go-to place for feedback. Employees are encouraged to speak up, share their experiences, and help shape the company culture. Tools like anonymous surveys, performance reviews, and exit interviews are widely used to create a sense of listening and openness.
Yet, despite all these efforts, a large part of the story often remains untold. The reason is not a lack of feedback channels. It is a matter of trust, safety, and impact. When employees feel that what they say internally might not lead to real change—or worse, might come back to hurt them—they find other ways to express themselves.
One of the most powerful outlets they use is online employee reviews.
Internal feedback is not the whole picture
Many HR professionals are confident in their systems. They conduct regular engagement surveys, gather exit feedback, and run workshops designed to bring out honest opinions. While these tools are important, they tend to capture a filtered version of reality.
Employees often soften their words in direct conversations. Even anonymous surveys can feel risky if the anonymity is questioned. As a result, certain issues, especially those related to toxic management, poor communication, or subtle inequalities, are left unspoken.
Public reviews on external platforms, however, are different. They feel safer. They are written when the employee no longer depends on the company. And they are seen by others, which gives the reviewer a sense of visibility and influence.
This is why companies often discover problems from a Glassdoor or Indeed review that were never brought up internally. These platforms have become mirrors, reflecting parts of the organization that internal systems do not reach.
Candidates are reading, and so are future employees
The impact of employee reviews extends far beyond a single complaint or compliment. Today, they directly influence a company’s ability to attract and retain talent.
Recent data shows that 86 percent of job seekers read company reviews before applying. They want to know what it is really like to work somewhere. Is the culture supportive? Are people respected? Do leadership teams follow through on what they promise during interviews?
These questions are often answered in online reviews rather than in job postings or branded content. If a company’s public image does not match the experience described by its employees, candidates hesitate. Some walk away altogether.
Even new hires pay attention. If they join a company and discover that the negative reviews were accurate, trust is broken. That disconnect between employer branding and reality can lead to early turnover, loss of morale, and damage to internal culture.
Employer reputation is now part of business strategy
Once seen as something only marketing or communications teams handled, employer branding is now a central concern for HR. It is no longer just about polished messaging. It is about what employees are saying, publicly and privately, and how the company responds.
Instead of ignoring or fearing employee reviews, smart companies are embracing them as a valuable source of insight. When analyzed thoughtfully, reviews can reveal patterns, highlight risks, and point to opportunities for improvement.
The key is to have the right tools and mindset.
From feedback to action: how Review.jobs helps
One of the most effective ways to turn reviews into a strategic advantage is to centralize their management. This is where Review.jobs comes in.
Review.jobs is a platform designed specifically for employers who want to manage their reputation with accuracy and integrity. It collects employee reviews from various sources, verifies their authenticity, and helps organizations analyze the results.
The platform also offers certified moderation and guarantees anonymity, which increases employee trust while ensuring compliance with privacy regulations. With this level of transparency, companies can confidently use review data to support real decisions in HR and leadership.
This approach is not just about damage control. It is about building a stronger, more resilient employer brand from the inside out.
To understand how review platforms can fit into a long-term HR strategy, this article provides a deeper look:
Employer reviews: how to turn them into a powerful HR strategy
Listening must happen everywhere
Relying only on internal feedback methods is no longer enough. To get a full understanding of what employees think, companies need to listen in places where employees feel free to speak their mind.
Public reviews are not just about recruitment. They are signals. They show where things are working and where trust is fading. Ignoring them means ignoring a major part of your employee experience.
Companies that take their employer brand seriously understand that reputation begins from within. When people feel heard and see real change, they become ambassadors. And when that feedback is made visible and trusted by others, the employer brand becomes more than just a message. It becomes a promise that is consistently kept.
Business
Sustainable Business: Integrating Circular Economy Principles for Long-Term Value

In the business world, it is not difficult to believe that over the years, many principles and strategies have shaped how businesses function. Some principles went on to become a hit, while others had to see the bin. You need to decide which principles are the best for your team and brand. A particular principle may not be the right fit for your goals, and choosing the one that can provide long-term value with sustainability should be your rule of thumb. This is where the concept of “circular economy” comes into play. This revolutionary concept that sprouted from theory’s roots gained much-deserved traction in the 21st century. It stands firm on discarding the traditional “take-make-dispose” strategy and focuses on reusing, repurposing, and regenerating as many resources as possible. When you are living in a time where environmental concerns are making the headlines every other day, the responsibility falls on your shoulders to instill a closed-loop system that brings your success along with the health of the planet.
The traditional linear economy hardly considered any considerations for the vast amounts of waste produced by businesses from using raw materials to the end of the production line. You need to understand that the cost of producing waste in excess amounts without reusing it is borne by all, and consequently, the ecological and social issues mount rapidly. Circular economy focuses on rethinking the lifecycle of a product and reimagining its value creation. Brand consultancy firms suggest that the benefits of the circular economy are not just limited to a healthy planet; they also include lower material costs, reduced risk exposure, and increased customer acquisition by attracting an environmentally conscious audience.
In this article, we will look at how you can build a sustainable business by integrating circular economy principles for long-term value and success. You’ll realize that adopting the circular economy as a part of your beliefs and implementing it in the overall functioning of your business can help you achieve long-lasting returns in every department.
Designing Businesses That Thrive on Circular Economy Thinking
SOURCE: Unsplash
- Design for Durability, Modularity, and Reparability
With the help of quantitative research approaches, every product design associated with your organization must be fit for durability, modularity, and reparability. A durable product ensures that your resources are not wasted prematurely and minimizes the frequency of replacement. Modularity ensures that multiple use cases of a single product are tapped and leveraged to their full potential. Very often, when there are minor pitfalls and damages, instead of discarding the entire product, you can ensure that timely repairs are encouraged and implemented.
- Adopt Product-as-a-Service (PaaS) Models
When a customer gains full ownership of a particular product, the chances are that the product is thrown away before its services are fully utilized. Hence, opting for a product-as-a-service model where customers pay for the services instead of gaining ownership of the product can promote service-based offerings and ensure that ownership and responsibility of your performance stay in your hands. This approach supports the circular economy as you get control over the manufacturing and usage of your products, and you can ensure that the products are completely recycled and refurbished after use.
- Turn Waste into Resource Streams (Industrial Symbiosis)
Turning waste into resource streams can prevent you from spending extra resources and making use of the byproducts at hand. You could reuse scrap material in production, turn your organic waste generated into biofuel or compost, and collaborate with other industries and companies to implement industrial symbiosis. You can unlock multiple revenue channels and promote cross-sector innovation.
- Implement Circular Supply Chain and Take-Back Programs
You can recover products or components at the end of their life and feed them back into the production line. Take-back programs can help customers or other companies reclaim control over materials and incorporate usable components in new products. This practice can help produce less waste and lower your carbon footprint, as well as reduce dependence on raw materials. You can also increase consumer participation and promote partnerships with recyclers, making it a win-win for every party involved.
- Leverage Digital Technologies to Enable Circularity
Using reliable and modern technology can help make your circular model measurable, manageable, and scalable. Using the Internet of Things, you can track product usage and maintenance needs in real-time and create a seamless circular economy. You can use blockchain to ensure transparency and traceability, enhancing customer trust and regulatory compliance. AI and big data can be used to design more sustainable supply chains. Data-driven insights can help you cement your business model in place and achieve significant results.
End Note
Circular economy is one of the most successful and practical principles that can guide your business in a resource-constrained industry. Designing for durability and modularity, adopting PaaS models, turning waste into resources, implementing a circular supply chain, and leveraging digital technologies to enable circuitry, you can create the blueprint of a sustainable business and achieve long-term gains.
Business
How Saigon Lawyers Power Vietnam’s Economic Surge?

Ho Chi Minh City still lovingly called Saigon is the epicenter of Vietnam’s economic surge. Skyscrapers, startups, and global investors fill its streets. But behind every booming deal and successful venture is a key player often working behind the scenes: the Saigon lawyer.
Among the standout firms shaping this legal landscape is TNP Lawyers, a trusted name known for navigating Vietnam’s complex legal environment with precision and reliability. As Vietnam attracts increasing international attention, TNP Lawyers stands at the forefront, ensuring businesses thrive while staying fully compliant.
What Does a Saigon Lawyer Do?
Think of a Saigon lawyer as your legal GPS. At TNP Lawyers, the team specializes in key practice areas, including:
- Corporate and Commercial Law – From company formation to mergers and acquisitions (M&A), contracts, and regulatory compliance.
- Foreign Investment – Guiding international investors through legal processes, licensing, and joint ventures.
- Real Estate and Construction – Assisting with property acquisitions, lease agreements, due diligence, and dispute resolution.
- Intellectual Property – Securing and defending trademarks, patents, and copyrights.
- Dispute Resolution – Representing clients in litigation, arbitration, and negotiations.
Whether you’re launching a startup or expanding across borders, TNP Lawyers helps you move confidently through Vietnam’s legal maze.
Why the Demand for Saigon Lawyers Is Rising
- Booming Business Environment
Saigon’s economy is thriving, attracting companies of all sizes. TNP Lawyers provides legal foundations for growth, protecting businesses from costly missteps. - A Complex Legal System
Vietnam’s legal structure blends civil law traditions with evolving socialist influences. With frequent changes, local expertise is crucial. TNP Lawyers helps decode the system, especially for foreign clients unfamiliar with it. - Inflow of Foreign Capital
With billions in annual FDI, Vietnam remains a hot spot. TNP Lawyers ensures foreign investors stay compliant while maximizing opportunities. - Real Estate Expansion
Saigon’s rapid urban development means more contracts, more disputes, and more legal oversight. TNP Lawyers plays a key role in keeping property transactions secure and transparent.
What Sets TNP Lawyers Apart?
In a competitive legal market, TNP Lawyers distinguishes itself with:
- Deep Local Knowledge – The team stays ahead of legislative updates and legal reforms, such as the 2020 Investment Law and labor law changes.
- Bilingual Proficiency – With fluency in English and Vietnamese, TNP Lawyers bridges cultural and linguistic gaps for international clients.
- Business & Cultural Savvy – Beyond legal knowledge, the team understands how to operate within Vietnam’s unique business environment.
- Responsiveness & Agility – Clients often need answers fast. TNP Lawyers provides quick, practical solutions tailored to each case.
Challenges Saigon Lawyers Face
Being a lawyer in Vietnam’s commercial capital isn’t without obstacles:
- Constant Legal Changes
Vietnam’s laws are in flux as the country integrates with global markets. TNP Lawyers commits to ongoing training and adaptation. - Client Expectations
International clients expect world-class service. TNP Lawyers delivers high-quality counsel while managing risks in an evolving system. - Tough Competition
With many local and international firms in Ho Chi Minh City, standing out requires a blend of reputation, results, and client trust TNP Lawyers consistently delivers all three. - Ethical Pressure
Maintaining integrity while achieving client goals in complex or high-stakes cases is a balancing act. TNP Lawyers upholds high ethical standards without compromise.
How to Choose the Right Saigon Lawyer
Choosing the right legal partner in Saigon is critical. Here’s why many clients turn to TNP Lawyers:
- Proven Track Record – Trusted by multinational companies, SMEs, and investors across sectors.
- Clear Communication – No legal jargon. Just straight answers and practical advice—especially valuable for international clients.
- Client-Centered Approach – TNP Lawyers tailors solutions to business goals, risk profiles, and long-term strategies.
- Specialized Expertise – Whether in real estate, M&A, employment law, or cross-border issues, TNP Lawyers offers in-depth legal insight.
The Future of Law in Saigon
Vietnam’s growing participation in global trade through agreements like the EU-Vietnam Free Trade Agreement (EVFTA) and the Regional Comprehensive Economic Partnership (RCEP) is opening new legal territory. As new sectors emerge, so does demand for highly specialized legal services in investment, trade, and digital law.
TNP Lawyers is also embracing legal technology, from digital contract solutions to streamlined compliance tools, to provide faster, smarter service.
Final Thoughts
The Saigon lawyer is more than a legal professional they are a strategic partner in navigating one of Asia’s fastest-moving economies. With deep legal knowledge, cultural insight, and client dedication, TNP Lawyers has earned its place as a go-to firm for businesses and investors alike.
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