Risk is inherent in any short-term loan, and payday loans are no exception. You need all the facts and assurances you can pay it back – short-term is the key here.
Some predatory payday lenders take advantage people in financial trouble. They leverage desperation to gain profit and throw ethics out the window. There are plenty of responsible lenders in the UK, but their businesses get tarnished by the low standards of others.
If you have a negative experience with a payday lender, reporting is a means of justice. You may be entitled to compensation and reporting it will help your legal cause. So how does one report a predatory payday lender? Here is a quick overview to help you.
Report Them to the Financial Conduct Authority
The best short-term loans companies are registered with the Financial Conduct Authority (FCA). This is a mark of compliance and professionalism. Even if a predatory lender is unregistered, you can still report them to FCA.
The UK reformed regulations around payday loans back in 2013. The FCA then imposed price cap rules to protect consumers.Before this, many predatory lenders added adding huge costs, confusing consumers and filling their own pockets.
Under FCA rules, a bank or lender must reply to your complaint within 8 weeks. Many have teams and protocols to handle complaints, but predatory lenders may lack the means for this. Even so, after filing our complain with the lender, the FCA is your next port of call.
Keep Cool and Gather Evidence
The FCA can advise you on what evidence you need. Even before contacting the lender, you can search your records. Look for all correspondence, marketing communications and legal paperwork.
Find evidence of your financial position before the loan and any damage you have suffered since. This can be financial, mental or physical suffering due to the loan. If you have seen a doctor for stress-related ailments, ask them for a report of this.
Type up a detailed letter of your complaint. Keep digital and paper copies for records. Make clear the reasons for your complaint, detailing the events leading up to your loan.
Avoid sharing any information online. We know that sounds obvious, but in the heat of themoment you may make mistakes. Keep it all confidential.
The same applies to criticizing the company online – even though you are entitled, unproven claims can provoke a defamation lawsuit, and social media is technically published content.
Contact the Financial Ombudsman
Once you have tried everything with the payday lender themselves, refer to the Financial Ombudsman (FOS). Send your evidence from before, during and after your complaint. Make clear that 8 weeks have passed without satisfactory reply.
Call (800) 342-3736 for free help in your language. If you need a document translated into your language, send an email to email@example.com.
You can also complain to the FOS if your card issuer failed to cancel a continuous payment authority. They have a duty to do this, so ask your bank where to direct FOS-related complaints.
Move On to a Brighter Financial Future
Despite governmental regulation of payday lenders, predatory firms still exist. In your desperation, youcould turn to the wrong sources. But even then, the right help is still available.
Financial companies have a duty of care to their clients. If you find you have been taken advantage of, you should follow these steps. Resolution is closer than you think, so never give up!
At the moment, the online gambling and video gaming industries are thriving. These sectors produce billions of dollars in income for the service providers who support them. The evident explanation for the gaming industry’s exponential growth is its rapid adaption of innovation.
Since the 1970s, video games have got ingrained in popular culture, and this type of entertainment has seen several drastic modifications. The transition of video games from consoles and PCs to the internet and smartphones is a revolution. At the same time, online gambling was established on the internet. It has been less than 26 years since the first online casino was founded, but this business has made rapid growth.
The internet gaming business has grown at a breakneck pace. The US online gambling industry was worth USD 2,178.29 million in 2020 and is expected to grow at a 17.34 percent compound annual growth rate by 2026. The first online casino was launched in 1995, and less than two decades later, more than 2,000 sites are earning an estimated $21 billion in revenue.
We began playing video games in the 1970s. Arcade games such as Pac-Man and Space Invaders popularized the notion back then. But, nowadays, the ultimate draw for the contemporary gamer is the multiplayer online experience.
Both of these areas of gaming have several similarities and distinctions. We’re going to keep you updated on their continuing conflict here.
Excitement and Psychology
Whether it’s online gambling or video gaming, these activities affect the gamers’ psychological well-being. Many people claim that video games are more adrenaline-pumping and exciting than online gambling games; but, when real money is involved, online gambling games can capture your attention and enthusiasm too. If players do not exercise self-control, they may develop an addiction to several game formats. Both modes of gameplay are comparable in this instance.
The advent of ubiquitous online usage signaled a sea shift in the video gaming industry, as it enabled players to interact with one another regardless of their geographical location. Numerous blockbuster games and gaming systems include player interaction. In terms of online gambling, some of the greatest bingo sites have a chatroom option that allows players to talk with one another while playing the game. Additionally, live casino games and poker tournaments include a channel for communication. However, gamers may not utilize this chatroom option while playing slots, craps, keno, or online pokies at FanDuel blackjack casino.
The producers of video games invest millions of dollars and countless hours in producing the game’s visuals. Graphics are critical to the players’ involvement. The innovative technology transforms the gaming phenomena into a tangible and intuitive experience. On the other hand, gambling games are designed to give a fair, seamless, and competent gaming experience; hence, visuals are not a primary consideration. It’s not to say that internet casinos are not concerned with graphics. Slots, video poker, and pokies are all designed with high-quality images in mind; however, video gaming triumphs in this category.
When it comes to rewarding and incentivizing players, online gambling is unmatched. While welcome bonuses are undoubtedly significant benefits for players, jackpots and a high payout percentage are also attractive. All reputable online gambling companies disclose how much money players have earned in different games with payout ratios. Until the beginning of eSports, this aspect was missing from video games. At eSports events, participants compete against one another for a share of the prize pool. However, not all video gamers are eligible to engage in eSports, which is why online gambling is a winner in this case.
Both video games and online gambling are not free. All recent console and PC releases need a one-time purchase charge. There is no additional fee if gamers do not select any in-purchase options. By contrast, gambling applications for PCs and smartphones are free to download. To play real money games, players must make a deposit. The cost is the money wagered by players to participate in the games. Players may increase their funds if they earn a profit while playing. If a player’s primary objective is to have fun, there is the option of free demo games.
Conclusively, when we have to choose one thing over another, it gets a bit tricky. Video games and online casinos are quite popular among gamers, and both fulfill a variety of needs. We may assume that, rather than being competitors, they are comparable with a few key distinctions. They are mutually beneficial. The true winners here are the players since they are the ones who benefit from the interdependence of the game formats.
College can be tough. Every day it challenges young people and, sometimes, it even feels like pulling it through is nearly impossible.
If you also feel this way, the good news is that you are a 21st-century student. That is, you have access to a huge variety of helpful tools and apps designed to make your life easier. In this article, you will find a list of the six best Android apps that will make your student life less stressful yet much more successful. Let’s see what’s there for you.
EssayPro: Essay Writer for Hire
Each of you should agree that academic writing is one of the toughest things students encounter while being in college. EssayPro makes it easy by letting you hire a professional essay writer who will help them cope with their assignments and get high grades with ease. So, this app takes a deserved first place on our list.
EssayPro is a top-rated essay writing service. The team of this service has been helping students succeed for over seven years already. And, now, with their official app, getting pro assistance with your essays, dissertations, and other assignments is even easier.
The tool is available on Google Play free of charge. It lets students have hundreds of expert writers with MA and Ph.D. degrees right at their fingertips and order their assignments on the go. Thus, if you want to make college easier and boost your performance, be sure to give it a try. It is an absolute must-have.
After academic writing, the next biggest challenge young people in college face is test prep. Trying to get ready for their exams, students try various methods. They pull all-nighters, try cramming, use group studies, and do much more to ace their tests. But flashcards have been proven to be among the most effective methods.
The next app on our list brings powerful flashcards right into your smartphone. AnkiMobile Flashcards is extremely popular among students. It is available for both Android and iOS users. However, while it is free for Android, it comes at $24.99 in the App Store. So, you can guess that the quality of this tool is pretty high.
With this tool, the process of test prep gets easier than ever. It lets you access thousands of ready-made flashcard decks on a variety of topics. It also lets you create your own sets.
Best part? This tool features cloud synchronization, which means that you can access your content from multiple devices, both computer and mobile.
In today’s world, it is extremely important for students and teachers to stay in touch outside the classroom. Now, in the era of the pandemic, we have to get used to collaborating online, and Blackboard App makes this happen.
This tool is an LMS (learning management system) that has already gained wide popularity in the educational landscape. Many colleges and universities in the US have already adopted it. And it is one of the best apps for students to make their lives simple.
This LMS enables students to review their course contents and materials, view their grades, complete tests and assignments, participate in collaborative study sessions, and do much more. The best part of it is that you can do it all on the go. Thus, if you don’t have Blackboard yet, be sure to download it.
Lectures and classes take most of the students’ time in college. As you already know, you have to take plenty of notes during them. The only issue is that taking notes the traditional way (i.e., using a pen and paper) is no longer effective. Such notes are hard to read, and they often get. But, luckily, there is Evernote.
If you haven’t heard of it before, Evernote is one of the most famous apps for taking notes and managing your tasks. It allows users to take notes quicker and easier and include different files in them. Also, it lets you create to-do lists, scan documents, save webpages, and synchronize your notes across multiple devices.
With this application, you will have all your notes, documents, and other important things stored in one place and accessible on the go. This is perfect for students who value their time and comfort.
Want to know what is the best part? Though it is extremely helpful and convenient, Evernote is a free tool. However, there is also a paid version of it that will give you even more cool features. And it comes at a pretty affordable price, so you should give it a try.
Often, the only thing that holds you back from writing a perfect essay or completing a brilliant academic project is an inability to put your ideas together and look at them from a larger perspective. The next tool on our list offers a solution.
MindMeister is a powerful app for visualizing your ideas. With its help, students can create mind maps, plan their projects and assignments, manage tasks and meetings, take notes, and do much more. The features inherent in this tool make it so much easier to handle pretty much any task, so we suggest all students try it.
You can get MindMeister from Google Play for free. The basic features are also available free of charge. However, there are a few paid plans that will let you unlock more features. Their prices range between $4.99 and $12.49, which is pretty pocket-friendly.
The proper organization of your schedule, tasks, and time is one of the main keys to achieving academic success. But we won’t sugarcoat it – self-organization and time management are definitely among those skills the majority of students lack.
Luckily, there is MyLifeOrganized. This Android application is perfect for managing and organizing your life and studies. With its help, students can keep track of all their tasks. The tool allows you to break big tasks into smaller, obtainable goals and become more productive.
Some other features included in MyLifeOrganized are priority setting and scheduling. These are available in the free version. There is also a paid plan for this app. It costs $29.99 and lets you access an even larger number of handy advanced features.
Altogether, the features provided by MyLifeOrganized will make your life in college simpler and much more productive. Try it right now to set yourself up for success.
The Bottom Line
Though being a student in college is associated with a large variety of challenges, in the modern world, there are plenty of tools that can help you handle any issue that comes along your way.
After reading this article, you know about the top six apps for Android devices that are proven to ease college life. Each of these tools is a must-have for college students. And, of course, there are even more tools that students can leverage to reach academic success.
So, all you need to do is find what works well for you and use the available opportunities to become your most productive self.
It’s no secret that customers love special treatment and individual attention. It makes sense that they also like being treated like kings. Gamblers and casino customers are no difference.
Players love to be showered in presents and attention, and as the research by Casino Hex says online casino bonuses are the best thing a player can receive. And VIPs receive them by the dozen all the time, that what makes them come back to the same land-based or online casino venues time and time again.
I’m not saying that casinos started the trend, but they keep it at it’s fullest. They know exactly what to give to their VIP customers and how to create the atmosphere around them to make them come back again and not once. And every company wants this type of success and loyalty.
How profitable are the VIP programs for business in general?
There’s a statement that we like, and it’s “Those who join your VIP program are worth more.” You set a task to push your clients to move from one tier to another one – they will inevitably become more loyal and committed to your company and brand. They will gain more value with every new purchase.
You can benefit from creating a VIP program as your clients can stay with you for a very long time. There’s a high chance to see returning clients – about 45% of VIP customers will make one more purchase. The more they buy, the more they get.
How will your profit increase? Let’s imagine a customer that goes through the VIP tiers and makes some purchases. The frequency of such purchases and the average order value are growing. VIP customers are likely to spend more than average clients. Experts state that you can expect them to bring you more profit up to 5 times.
How do VIP programs influence customers?
It’s not a secret that people tend to be better than their friends, relatives, colleagues, and others. VIP programs can give them a better social status. Let’s remember the mid-west Tribal casino, they had too many elite players, so many that the elite status lost its glory and this is how they came up with “above and beyond” status. And who doesn’t want to be on that level? They get the exclusive experience that a more significant part of your clients doesn’t receive. You will let your clients enhance the feeling of self-satisfaction, and it will make them come back to you in the future.
You can create the names for each tier that you have. Your clients will see that their status will change after making some actions and achieving some specific results. You can motivate your clients to achieve new levels and create attractive customer journeys. The upgrade of social status will attract people and stay with your brand for a long time.
What makes an excellent VIP program?
We consider two things to be the most important when creating a VIP program. The first is preventing or overcoming the client’s frustration and the second one is adding the things that will improve customer experience and make them feel engaged. These issues are not complicated to implement in the business processes.
You should prepare your clients to become members of a VIP program. If you run an online business, it can be an email with the information about the VIP program and its benefits. You can grant your current customers with a new status for a while for testing this idea. If you run an offline business, you can offer a VIP parking lot or something like that.
If you organize any events, you can think of comfortable conditions for the kids of your clients. There might be a babysitter that will take care of them. It can be free alcohol for VIP clients or any other perks that will surely make everyone feel pleased.
To improve the experience, you can offer your clients to become members of a community. You should provide some privileges for the member of such a club and remain a high level of services all the time. Your goal is to make people enjoy staying with you, have no problems with making a purchase, and solve all of the issues in no time.
The bottom line for VIPs
As the casino industry proved, creating VIP programs is good for business as it attracts people; you can make them spend more money and come back to you in the future. You can give your clients a new social status, unique privileges, and positive experience while staying with you and your company.
Your product or services can be of high quality, and there should be something more than you can offer. Personal communication, comfortable conditions, self-satisfaction, and great experience, in general, will increase your revenue and turn one-time buyers into regular customers.