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Whether it was a seed of doubt planted by a news story or just a feeling you had that something to do with your loan or credit card agreement wasn’t quite right, something led you to the realization that you were mis sold payment protection insurance (PPI). Although this is a truly unfortunate and thoroughly unpleasant discovery, the fact is that you are far from alone. Millions of UK residents join you in the ranks of the mis-sold.

PPI mis-selling took many forms and was conducted by many banks, lenders and other financial institutions. But whether you had PPI coverage added to a loan without your knowledge or you were coerced into purchasing a policy as a condition of loan approval, it doesn’t matter. You were mis-sold. And those of you who knowingly and willingly purchased PPI coverage only to later discover that your lender knowingly and willingly sold you a policy for which you were not eligible. Yep, you were mis-sold, too.

There is some good news. Victims of PPI mis-selling have recourse against their lenders. You have recourse. You are able to file PPI claims against your lender seeking reimbursement of the costs of your premiums. Visit this site for an easy to understand explanation of the process and assistance in getting started.

The big day is quickly approaching when your only daughter will marry the man of her dreams. The flowers have been ordered, the dress altered… and with each painstaking decision made your personal debt is climbing through the roof. But you want her day to be perfect.

Most of us have known that sinking feeling that accompanies the realisation that we owe far more than we can easily repay. Some of us got here by getting lured into buying things we could ill-afford, but others have had to bank on credit just to keep a roof over their heads. Times are tough, there’s no doubt about it – where it seems as if the only thing not going up is our pay, but few things are bigger stressors in a family than financial woes.

Luckily you aren’t alone; as there are debt consolidation professionals out there who can help guide you to making the best decisions for your own personal circumstances. Do you own a home and are afraid of the possibility of losing it? You may well want to consider making an Individual Voluntary Arrangement with your creditors. With the help of a debt consolidation agency they can assist you in signing up for an IVA UK that may well get your interest rates lowered, get the creditors to stop calling and harassing you, and also combine your total debt so that you make one far more manageable payment each month.

By taking those first steps toward resolving your financial troubles you will begin to feel a new sense of optimism for the future and a sense of pride in knowing you’re on the road to financial freedom.