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TACKLING THE NIGHTMARE OF NUISANCE PPI CALLS
Tackling the Nightmare of Nuisance PPI Calls
Almost every person with a phone in the UK has received an unsolicited marketing call at some point in the last few years. Despite recent announcements made by the government that stricter rules are to be enforced within the direct marketing industry, many industry insiders do not believe these go far enough.
The more unscrupulous marketing companies always seem to find a loophole allowing them to carry on harassing members of the public in their own homes. Of the various types of unsolicited calls that are received every day, it is arguably those concerning PPI that are the most complained about.
As reported by Sky News, a staggering two million nuisance calls are made to the British public every day. On a yearly basis, an average of 30 million people receive at least one call regarding payment protection insurance (PPI), making this type of marketing call the most hated. A survey carried out by Citizens Advice revealed that a huge 98% of the people on the receiving end of a call regarding PPI claims had not given their permission to be contacted.
The PPI Revolution
In 2006, the financial authorities began to fine organisations such as banks and credit card companies for mis-selling payment protection insurance to thousands of customers. Many PPI policies were found to be inadequate when it came to customers trying to claim on them, while many other people did not realise they had been sold a PPI policy at all. After the banks went to court in 2010 to put a stop to consumers being able to reclaim on mis-sold policies and subsequently lost, the flood gates for reclaims opened.
While this was excellent news for people who had indeed been mis-sold policies, the sheer level of people looking to make a claim led to the creation of a slew of companies offering to reclaim thousands of pounds in lost PPI payments on a no-win, no-fee basis. Despite the actual percentage of people who have genuinely been mis-sold PPI policies being relatively small, this does not stop claim firms peddling their service by cold-calling members of the public in their own homes. The fact that people can claim themselves for free without having to pay large percentages to a claims company renders these unsolicited marketing calls next to useless.
The best way to fight back against the unrelenting tide of nuisance calls is to simply not answer the phone at all. While this may seem a little drastic, it does save a lot of aggravation and stress. Genuine callers will leave a message or call back, while marketing companies will simply move on to the next number on their list. Installing a device which screens calls beforehand, such as those available from www.callblocker.co.uk, is another fine way of alleviating the annoyance of nuisance calls.
As long as people can claim for mis-sold payment protection insurance, there will remain many firms looking to gain an advantage by cold-calling homeowners. Hopefully, the recent measures announced by the government will make a difference, however small that may be.
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