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電子煙和香煙哪個危害大?

Posted by dajksdhj21 on September 18, 2024 at 10:31pm 0 Comments

長久以來,關於電子煙和香煙哪個危害更大的討論未曾停歇。在全球範圍內,吸煙已被證明是導致多種嚴重健康問題的主要原因,包括肺癌、心臟病和慢性阻塞性肺疾病。隨著人們對健康的關注增加,電子菸作為傳統香煙的替代品逐漸流行起來。







電子煙和香煙哪個危害更大仍然是一個備受關注的問題,一起來看看,希望能幫到你。



傳統香煙通過燃燒煙草來釋放尼古丁,同時產生大量有害物質,包括一氧化碳、焦油和數千種其他化學物質,其中許多是已知的致癌物。長期吸煙者面臨著嚴重的健康風險,如肺癌、心血管疾病和呼吸系統問題。香煙的危害已被大量科學研究和公共衛生數據所證實。



電子煙則通過加熱含有尼古丁的液體(通常稱為… Continue

Morses Club Refund Claims: As one of the largest doorstep loans providers, Morses Club provides small, short-term loans of £100- £1,500, over a loan period of 22 weeks to 53 weeks.

Doorstep Loans, also known as home credit loans, are used by 1.3 million people in Britain and it’s the practice where a collector comes to your house to collect the repayments, rather than paying them through a bank or standard repayment scheme. Morses Club loan are very similar to Provident Loans

Struggling to repay your loan you may have been miss sold?

Like Guarantor loans, doorstep loans have come into the spotlight recently, with the Financial Conduct Authority instructing Provident, also a doorstep loan provider, to pay “almost £169m in compensation to customers’ after mis-selling a particular loan product to customers.

Morses Club irresponsible lending complaints

Other complaints about doorstep loans include people being sold a home credit loan by an agent, when they could not afford it. A loan is unaffordable if you cannot make the repayments without borrowing again.

If you found yourself unable to pay back the loan you took with Morses Club, you may be eligible for a Morses Club loan refund and the Reclaims Online may be able to help you receive what you are owed by passing you to a claims management company partner.

What type of loans do Morses Club offer?

– Cash Loans

– Door Step Loans

Eligibility Requirements:

Minimum age of 18 and not declared bankrupt. Must also live in an area of a Morses Club branch.

Loan Example:

£200 loan repayable over 34 weeks at £10 per week, Rate of interest morses club claim 107.1% p.a fixed Representative 466.37% APR, Total amount payable is £340

Morses Club is registered at the following address:

Morses Club PLC, Kingston House, Centre 27 Business Park, Woodhead Road, Birstall, Batley, WF17 9TD

Why could I receive a Morses Loan Refund?

Was the loan affordable to you before Morses Club granted your application for a loan? Morses Club may have not conducted the correct affordability checks.

Did your loan have excessive charges combined onto it, such as high interest and charges? The FCA have introduced a price cap to protect borrowers from excessive charges.

Did you tell your lender that the loan was unaffordable but they continued anyway? The lender should have released that the loan was unaffordable and not given it to you. This is irresponsible lending.

During your application process, you may have not mentioned all of your debts. If this didn’t match with your credit record, the Morses Club should have ensured to double check this.

When you applied for the loan, you may have not stated your correct regular income, due to be self-employed or your job history changing during this time, the Morses Club should have looked at this and ensured you had a regular, consistent income before giving you a loan.

If any of the above statements apply to your experience with the Morses Club and Doorstep Loans , you could be eligible to claim compensation. Start your claim or get in touch with the experienced experts team who will guide you through the process. We are here to help.

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