Ppi Claims
At the time you felt pressured into taking out payment protection insurance on your loan. The representative from the bank seemed to bamboozle you with facts and figures and to be honest; you didn`t quite understand what was going on. You just wanted the loan because you needed a newer car as the engine on your old one had packed in. However, here you are a number of years later and you feel that an injustice has been carried out. A number of people have been sold PPI in the past and they have made successful claims against the bank that made them take it out in the first place. Enquire about Ppi Claims through a claim management company and you could find that you have a very strong case. You weren`t made fully aware of the facts at the time and there`s a good chance that you were mis-sold the policy. Speak to an advisor about Ppi Claims and you might even find that your policy was full of exemptions and clauses which meant it would have never been paid anyway. Highly experienced PPIs were sold to tons of people and in countless cases they didn`t guarantee to cover loan payments in times of sickness or redundancy. Plenty of people have valid reasons to make the Ppi Claims and you could be one of them.

As an attorney who represents individual investors from around the Country in claims against their stock brokers, I hear a wide variety of complaints about brokers? fraud and misconduct. If you believe that your broker has abused or harmed you, you may want to consider whether your complaint falls within any of the following typical complaint categories. If you fall into one of these categories, you may have a meritorious complaint against your broker.

Here are some guidelines to consider whether or not you have a case:

1- Unsuitable Investments ? If you tell your broker that you are a ?conservative? investor with a ?low? risk tolerance and you are put into, for example, risky high technology stocks.

2- Unauthorized Trades ?If you notice that buys and sells are occurring in your account without your prior permission or knowledge or any contact from your broker, these trades are ?unauthorized?.

3- Risk Profile Change ? If you notice that the ?investment objective? or ?risk profile? (?aggressive? ?moderate? or ?conservative?) on your monthly account statements has changed, without your input, from, for example, ?moderate? to ?aggressive?. A ?red flag? should go up if you receive documents from your broker which do not reflect your investment objective (aggressive, moderate, conservative).

4- Fraudulent Stock Research ? If you bought stocks relying on stock research which was determined by the SEC and New York Attorney General to be ?fraudulent? (Infospace, ICGE, WorldCom, etc).

5- Churning ? If your broker is excessively trading or constantly turning over your account, for the purpose of generating sales commissions.

6- Fraudulent Statement of Risk ? If you have suffered substantial losses in your account and your broker told you that you had a ?low risk? portfolio.

7- Over-concentration- If your account is over-concentrated in stocks and equity mutual funds which are primarily high technology or telecommunications, you have an over-concentrated portfolio. If your broker has not allocated your assets into different classes (stocks, bonds, cash) or diversified your stocks and equity mutual funds into different industry ?sectors?.

8- Excessive Use of ?Margin? ? If your broker buys stock with ?margin? borrowings which you did not authorize.

9- ?Activity? Letters ? If your brokerage firm sends you an ?activity? letter advising you of large losses, turnover, high commissions, high margin levels, etc. in your account and this is not consistent with your instructions to the broker.

10- Mutual Fund ?Switching? ? If your broker advises you to get out of one mutual fund or ?variable annuity? and into another. Often brokers are ?pushing? mutual funds which are ?proprietary? and which may give the broker higher compensation and are not necessarily in the client?s best interest.