Mis-sold PpiI can remember going to my bank in the late 1990s to enquire about a loan for a new car. I`d fell in love with this slinky, silver sports car and being a single male at the time, with plenty of disposable income, I thought I`d treat myself to this flashy kind of motor. The bank eventually approved my loan but I was forced into taking out payment protection insurance at the same time. I`m not sure why I took it out to be honest. I think I felt pressured into taking out the policy because the person whom I spoke at the bank said it strengthen my initial loan application if PPI was in place. Nothing was explained to me about the PPI and how it would cover sickness payments or payments for the loan if I was made redundant. In fact, I think I was
Mis-sold Ppi by the bank and had it not been so long ago I would put a claim in against the bank in question. Over the years countless customers have been
Mis-sold Ppi policies through the banks. Huge profits could be made out of PPIs so you can see why banks would push them onto their customers. Today people are fighting back. Anyone who thinks they might have been
Mis-sold Ppi polices in the past can speak to claims management firms who will take their case on and try to recover as many payments as possible.
Please note that there is more to gaining a patent than just filing an application and waiting. It is possible that this is all you will have to do, but unlikely. Once a patent application is sent in to the Patent and Trademark Office (PTO), it will be assigned to a patent examiner. The examiner will determine whether your invention really is patentable based on the criteria set up by the PTO.
If the examiner does not believe your invention is patentable based on these criteria, he or she will reject it and send you an Office Action. This action explains to you that your invention was rejected and it describes exactly why.
You may receive up to 3 Office Actions before your application will be ? well? to put it bluntly ?thrown out?. Your patent attorney will likely have a fee schedule set-up for how to charge you for these Office Actions.
Therefore, you will likely be charged a fee for the attorney to write and file your patent application and you will need to pay for its prosecution. Depending on how many Office Actions you receive and the complexity of the prosecution, things can get fairly expensive. Now, it is always possible your invention will be allowed to patent ? obviously, the sooner this happens, the less expensive it will be for you.
Here?s just a summary of the expenses associated with paying your patent pracitioner (these may of course vary all across the board and there can be additional charges)?
Patent search -- $1,000
Patent application ? typically $2,500 up to $6000+ (there is also a filing fee that must be paid to the USPTO)
Fees for prosecution -- $1,000 and up ($10,000+) depending on what happens during prosecution
If your invention is allowed to patent, you will need to pay an issue fee and maintenance fees on your patent to keep it in good standing with the PTO. These fees are at the discretion of the Patent Office so you will have to check on the current costs.
Please visit Patent Law Portal to find a patent attorney or agent near you and begin the process toward protecting your invention.
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