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30th September 2009
Making a will may not be at the top of your “to do” list, but be careful not to put it off for too long. Nobody likes to think about what happens after one’s passing, but having a legally-binding will in place ensures that your estate (belongings an... Read >
Author: Wills22nd September 2009
This is an actual search question, and clearly concerns people who face debt problems.
The short answer is most certainly ‘no’; debt negotiation should be quite a regular thing. Though few of us really want to do much of it. But it is the best wa... Read >
Author: Joseph Harris, Debt Control Man21st September 2009
Double glazing has become increasingly popular over the years. As power bills continue to rocket and as we are all being urged to cut down on the amount of energy we use, double glazing is fast becoming an essential addition to any home. Whether you need ... Read >
Author: Craig Ellyard16th September 2009
EPC or Energy Performance Certificate has been made compulsory to all landlords. It has been made mandatory since 1st of October 2008 and is a legal requirement to provide all new tenants in England and Wales with this certificate known as Energy Performa... Read >
Author: Gyan K15th September 2009
Land Registry is the government department which is responsible for registering land in England and Wales. The UK law mandates that all land that is bought, sold or mortgaged must be registered. However, about a third of the land in England and Wales curr... Read >
Author: John Smit15th September 2009
The ‘ADAS Farmers’ VoiceTM survey’ has shown farmers are more positive now than at the start of the decade about the future of farming.
The annual state of the nation survey questioned farmers from England and Wales in February 2009. It covered a... Read >
Author: Mark Temple11th September 2009
Why should you write your own wedding vows
Although there may be some restriction on writing your own wedding vows, having personalised vows lets you move away from the standardised wording and bring some thing different to your wedding. Exchanging you... Read >
Author: Wedding And Gems11th September 2009
There is a moment - as the full realisation of debt out of control hits - when, at least metaphorically, the knees buckle, the head swims, and the urge for flight swells to an almost irresistible force.
This is the 'Moment of Panic'. More accurately ... Read >
Author: Joseph Harris, Debt Control Man10th September 2009
TAKE CONTROL!
* Approximately 1 in 4 people in this country will require formal care at some time in their lives. To fund this care they may have to sell their home. Is that what you want?
* A staggering 70,000 homes are sold each ... Read >
Author: Solminds10th September 2009
Finding the owners of unregistered land and buildings is a difficult task. A lot of people even make the false connection that unregistered land and buildings are ownerless and this is not the case at all.
Unregistered land is simply land or buildings ... Read >
Author: Rob Fellowman08th September 2009
Land registry has announced that property prices in all regions of England and Wales increased in July with property in Wales rising faster than any other area.
Although a month behind Nationwide’s house price index the news once again suggests that ... Read >
Author: Rob Fellowman02nd September 2009
In the UK it is standard practice for police to work for 30 years, after which they are eligible for a full police pension. In England and Wales alone there are over 142,000 police officers and given that many would have started their journey in the poli... Read >
Author: Mike Palmer23rd August 2009
Buyers get a clearer picture of the property with HIP. It guides a buyer on whether or not to buy the house. According to the law passed in England and Wales, if a landlord is selling his property or house after 6th April 2009, then, it is a legal require... Read >
Author: Kirthy Shetty23rd August 2009
Home information pack is it a necessity? Are you contemplating on whether or not to get an HIP. There are certain documents that are compulsory and few are optional. All properties put on sale in England and Wales must have a HIP pack in place.
Documen... Read >
Author: Kirthy Shetty21st August 2009
Why should landlords consider an EPC service? EPC buyers will have to find out how energy efficient is their buy to let property as they have to project this to their investors, building purchaser or tenant in case it is a buy to let property. Always, rem... Read >
Author: Kirthy Shetty10th August 2009
As we have all recently heard, the British Ministry of Justice has closed down one hundred credit and debt consolidation companies for making bogus claims. This happened as a result of the ongoing crackdown on firms who are continually misleading the publ... Read >
Author: omoafro02nd August 2009
According to the land registry, the cost of houses across England and Wales increased on a month-on-month basis for the first time since January 2008.
The results from a survey, which compares the price of homes recently sold with the price paid previo... Read >
Author: Which4u16th July 2009
In England and Wales the divorce process begins with the submitting of a divorce petition to the local county court. One part of the petition details the grounds on which the divorce is being applied for. To satisfy the court that there has been an irre... Read >
Author: Rich Bendall07th July 2009
The land Registry was brought into force with the Land Registration act of 1925. Until this point there had been several attempts to centralise land ownership details but none had the success of this act. The land registration act of 2002 leaves the 1925... Read >
Author: Rob Fellowman11th June 2009
News about house prices come every month from various sources and all slightly vary. Here we look at who says what and why.
Let's start with Nationwide and Halifax. Both provide mortgages and their house price figures are based on their mortgage appr... Read >
Author: Wheres My Property11th June 2009
The first quarter of 2009 saw difficult trading conditions for many businesses across the UK. The official Insolvency Service figures showed that in the first quarter of 2009, the number of companies being put into liquidation in England and Wales increas... Read >
Author: Derek Cooper20th May 2009
Small firms are becoming leaner and meaner, research has found, and that means taking advantage when competitors are struggling.
Being able to leapfrog struggling competitors is a key opportunity during the recession, according to a survey of business ... Read >
Author: Whitney18th May 2009
Despite the housing market slump, property is still regarded by many as one of the safest long term investments you can make. However, as mortgages are fewer and farther between, it is becoming more difficult to be able to afford to purchase property. The... Read >
Author: ashly12th May 2009
The Statutory Dismissal and Grievance Procedures were abolished in England and Wales from the 6th April 2009. From this date, should an employer be contemplating dismissing an employee, then they are now expected to adhere to the new ACAS Code of Practice... Read >
Author: Robert Bell11th May 2009
The statutory dismissal & grievance procedures were abolished in England and Wales with effect from the 6th April 2009. In its place, the new ACAS Code of Practice on Disciplinary and Grievance Procedures came into effect. Where employers breach the new p... Read >
Author: wheresthatpenguin15th April 2009
Abbey, one of the largest mortgage providers in the country, last week chose to strike 7,000 conveyancing solicitors from their approved panel, saying that they handled too few Abbey lending transactions.
In times of economic woe and low demand, the fi... Read >
Author: Carys Robshaw04th April 2009
Step-by-Step Guide to Reclaiming Credit Card Charges
If you have a credit card of course you will no doubt be aware of the fees you are charged by your lender should you transgress their rules of business. Types of charges include late payment fees and... Read >
Author: Julie Ashton02nd April 2009
Seeking out the cheapest conveyancing solicitor can be incredibly tiring, particularly in Scotland where the legal costs are on average higher than when you go further South of the border.
Some of the remortgaging deals available now include free conveya... Read >
Author: CatM02nd April 2009
The British government are making it easier to buy and sell homes in England and Wales. The introduction of the Property Information Questionnaire (PIQ) is another step to making it easier to buy and sell in the UK with or without an agent. The introducti... Read >
Author: nicholas marr27th March 2009
It is becoming increasingly popular for couples looking to marry to opt for a civil ceremony as opposed to a church wedding. There are many reasons why, including; wanting to make their day individual and creative, not being religious, or simply to save m... Read >
Author: Bian Salins10th March 2009
The latest statistics from the Council of Mortgage Lenders (CML) show the number of people losing their homes in the UK rose by 54% last year, slightly less than the 45,000 previously forecast by the industry body.
Lenders repossessed around 40,000 hom... Read >
Author: tugsearch10th March 2009
There has been much doom and gloom about the housing market in the news but with it there are also opportunities for some buyers and sellers. Here we round up the latest news on the housing market and look at whether it is yet a time to buy.
Accordin... Read >
Author: Wheres My Property10th March 2009
There has been much doom and gloom about the housing market in the news but with it there are also opportunities for some buyers and sellers. Here we round up the latest news on the housing market and look at whether it is yet a time to buy.
Accordin... Read >
Author: Wheres My Property03rd March 2009
Sell your home to a house buying company and you will not need a home information pack (HIP)
Private buyers of houses do not require a pack. This means you avoid the delay, hassle and cost of compiling a HIP.
For more info on the HIP regulations read on... Read >
Author: SearchPath02nd February 2009
Nearly nine in 10 women who are suffering abuse in their home are subject to economic abuse as part of the domestic violence meted out by their partners, according to the women’s charity Refuge.
Domestic violence in the UK is a real issue, with two wo... Read >
Author: alisteed28th January 2009
In 2004 there were 95 suicides in England and Wales including 32 people held in prison awaiting trial and 17,678 incidents of self harm. In 2003 remand prisoners accounted for a third of all self-harm incidents in prison.
Two people per week take their... Read >
Author: Simon16th January 2009
Sell your home to a house buyer and you will not need a home information pack (HIP). This means you avoid the delay, hassle and cost of compiling a HIP.
For more info on the HIP regulations read on.
What is a Home Information Pack?
• Since 14 Decembe... Read >
Author: SearchPath01st December 2008
Depression is not by its very nature a happy subject, but with the pressures put upon us all in today’s world it is unfortunately only too common. To many people who have never experienced it, an instant cure should be possible simply by telling the suf... Read >
Author: michael challiner15th October 2008
In recent years, British people have been forced to endure some disasters; not least of all flooding in England and Wales. Such flooding has seen hundreds of thousands of people without homes or access to basic infrastructure and services.
No one c... Read >
Author: Isla Campbell24th September 2008
The Press Association recently reported that Britain's first time buyers can look at making savings of around £20,000, before climbing onto the property ladder. This figure could continue to rise as house prices fall. Prices dropped in excess of ten perc... Read >
Author: Which4u23rd September 2008
The Press Association has reported that the UK's first-time buyers are expected to be making savings of around £20,000, before joining on to the property ladder. This figure could increase as house prices continue to fall - exceeding ten percent over th... Read >
Author: Which4u09th September 2008
A definition of terms commonly associated with divorce and family law in the UK.
Affidavit – a formal statement made under oath in court.
Ancillary Relief – financial orders that a court can make in addition to a petition for divorce. Applying ... Read >
Author: Rich Bendall08th September 2008
Property auction is taking place for more than 160 years. It not only benefits the seller but to the buyer also because it is simple, open and efficient method of purchase. In England and Wales around 2.5% of properties are sold through auction.
Speed... Read >
Author: ron victor08th September 2008
Recent years have seen an increasing amount of panic relating to the worldwide financial situation. An economic downturn can have an adverse affect on many who have allowed their borrowing to run away from their ability to pay back what they owe. The fa... Read >
Author: pmcindoe08th September 2008
With the sharp increase in the number of repossession’s throughout England and Wales over the past year, it is vital that tenants are fully aware of their rights and what help is at hand for them.
First and foremost it’s important to point out that... Read >
Author: Liam Gerken05th September 2008
Recent figures show that over 28 thousand mortgage repossession orders were made throughout England and Wales during the second quarter of this year, a 24% increase on the same period a year ago.
Some government officials feel as though this steep rise... Read >
Author: Liam Gerken05th September 2008
The latest reports from the finance market are unfortunately not a break from the drib and drab the credit crunch has turned it into. In fact, the latest news we’ve been handed is that in the second quarter of 2008 alone over 28 thousand people had thei... Read >
Author: Jennifer Quirk01st September 2008
All kinds of communication from a legal institution, be it a large or small university or any corporate entity, will need a letterhead to have the message considered official.
This letterhead is the heading at the top of a sheet of letter paper. It usu... Read >
Author: Brad Robinson17th August 2008
You are think you want to start a business in the UK, but you are not quite sure where to start. Well let`s take a look at what you have to do so you have a better idea of what you need to do. You will need money for the filing fee, all necessary forms an... Read >
Author: jitu6614th August 2008
The Bus Service Operators Grant (BSOG), formerly and still commonly known as Fuel Duty Rebate (FDR), is something those that operate local bus services are able to claim. There are however a number of requirements that have to be met that will qualify an ... Read >
Author: Remy14th August 2008
The Bus Service Operators Grant (BSOG), formerly and still commonly known as Fuel Duty Rebate (FDR), is something those that operate local bus services are able to claim. There are however a number of requirements that have to be met that will qualify an ... Read >
Author: Remy24th July 2008
From October 2008 landlords offering property for rent will be required by law to provide prospective tenants with an Energy Performance Certificate for their property.
The certificates (‘EPCs’) will have to be provided free either when (or before)... Read >
Author: Karl Hopkins20th July 2008
Over recent years credit card fraudsters have been looking at different ways to try and obtain the card details of people, and those that are handed the details on a plate by the cardholder are able to access their accounts, take their money, and steal th... Read >
Author: Reno Charlton30th June 2008
Two reports from Reuters in London shed further light on the ever-unravelling state of the mortgage market in the UK.
"The credit crunch has resulted in a gap in the availability of mortgage credit relative to demand,” said Jim Cunningham, senior ec... Read >
Author: Monica27th June 2008
UK house prices are predicted to drop by a massive 35% this year, according to the latest forecasts from a leading mortgage body.
The Council of Mortgage Lenders [CML] say that property market in England and Wales has already recorded a 7% fall this ye... Read >
Author: Mildred25th June 2008
Living Together By Agreement
As more and more couples make the choice not to marry, the Government is being called upon to introduce legislative guidance to protect the interest of cohabiting couples.
Why couples decide not to marry is immaterial. B... Read >
Author: David Harland25th June 2008
Brief Guide to changes to the Business Tenancy legislation - The Regulatory Reform (Business Tenancies) (England and Wales) Order 2003 (“the Order”)
The Order comes into force on 1st June 2004 introducing a number of changes to Part 2 of the Landlord... Read >
Author: David Harland25th June 2008
Sale of Goods to a Consumer
In England and Wales the sale of goods is governed by the Sale of Goods Act 1979 (as amended by the Sale and Supply of Goods Act 1994 and the Sale of Goods (Amendment) Act 1995 ("SGA 1979").
Duties of the Parties
It is ... Read >
Author: David Harland13th June 2008
When Nationwide released its house price figures this week revealing a dip of 2.5 per cent in May, there were plenty of groans but also some caveats. One of these was that the picture is the subject of much regional variation.
Such a point was made by th... Read >
Author: Assetz UK04th June 2008
Reports have come though this month from the government stating that home repossession orders in England and Wales have hit the highest level since back in the 1990’s. The numbers have become apparent over the last three months, and economy experts say ... Read >
Author: Jennifer Quirk14th May 2008
Following last years launch of their new website, replacement certificate UK Official Services, have seen record sales for the first quarter of 2008. Optimised to provide both premium search engine rankings and a seamless customer experience, the introduc... Read >
Author: Adam Kosar07th May 2008
The news today appears to have been rather bad if one only considers good news to be increases in house prices. For those looking to sell or borrow against the value of their house it certainly is, but less so for those looking to buy.
For first-time buy... Read >
Author: Assetz UK11th April 2008
The Home Information Pack and how it affects you, your solicitor and your estate agent...
From 14 December 2007, all properties marketed for sale in England and Wales will need a Home Information Pack. For the estate agent, the Home Information Pack pr... Read >
Author: Sam Hawking05th April 2008
Until recently the standards and regulation surrounding the electrical wiring and installation in the UK varied greatly from other European countries. However the standards and regulations in the UK no longer differ substantially from other European count... Read >
Author: Helen14th March 2008
Conservatories have become a functional and desirable addition to many homes, but what factors do you need to account for when planning your dream conservatory.
One of the most important factors without a doubt, are site conditions. Are you realistical... Read >
Author: Conservatoriesoutlet12th March 2008
The last week has brought back a little ambiguity to the property market among those looking for hard evidence of trends. First there were the figures from property portal Hometrack, which found that this month's house prices were down by 0.2 per cent, th... Read >
Author: Assetz UK19th February 2008
In today’s world, bankruptcy mortgages are not uncommon. According to figures from the government’s Insolvency Service, in quarter three of 2007, there were 26,072 individual insolvencies in England and Wales. This was made up of 15,833 bankruptcies a... Read >
Author: John Sern04th February 2008
Motorists could avoid a ‘hole’ lot of trouble on Britain’s deteriorating roads, claims one of the country’s leading breakdown services.
Potholes in the road are described as “every motorist's nightmare” by Ronan Hart, marketing manager of A... Read >
Author: Autonational Rescue29th January 2008
Under recent guideline changes, motorists in England and Wales will now face jail if caught driving dangerously while using a mobile phone.
The current penalty for using a mobile phone while driving stands at 3 points on your licence as well as a £60 ... Read >
Author: Nick Cox24th January 2008
Your wedding day is one of the happiest and most important in your life. It represents the start of a new beginning and is meant to last forever; “till death do us part.” Sadly for many couples the bliss doesn’t last and for whatever reason there is... Read >
Author: Helen10th November 2007
Every new limited liability company that is registered must submit a Memorandum of Association with the Companies House company registration forms. It is an essential feature when forming a company. Failing to submit a Memorandum of Association in the cor... Read >
Author: Terry Cartwright08th November 2007
In the UK one in three people have had their property purchase fall through, with more than 3 million house hunters being victims of gazumping, research showed today.So where did Gazumping originate from. It comes from the Yiddish word 'gezumph' meaning o... Read >
Author: Paul Hockney21st September 2007
A will is a legal document stating:beneficiaries of the estatedivision of liquid and property assetsallocation of gifts, donations and allowancesThe Law Society of England and Wales states that the cost of making a will is more in Scotland than in England... Read >
Author: James Walsh10th September 2007
Many features help identify a good divorce solicitor who is well suited to handle your particular case. However, delve further into this article, only if you hold an unwavering intention of divorcing your spouse. Quite a few times marital partners have d... Read >
Author: James Walsh20th August 2007
Home Information Pack (HIP), also referred to as the 'Seller's Pack', is a set of documents conveying information about any property owned by an individual in England and Wales.
This means that, if any owner intends to sell the property, then he/she h... Read >
Author: Manuel Kupka07th August 2007
Are you thinking of availing a big loan? If yes, just consider secured loans. These loans are a sure way to get big amount at low rate of interest. However, you must pledge your home to the lender.
Over the last decade, the value of an average home in... Read >
Author: Amenda26th July 2007
Tenancy agreements are the legal way in which a landlord can protect their property and the tenants that reside in them. Tenancy agreements for England and Wales may differ to those in Scotland so it is important that you get the correct one. Tenancy ag... Read >
Author: Jennifer Tweed19th June 2007
Many businesses located in the United Kingdom can greatly benefit from purchasing a free standing smoking shelter. Since the smoking ban was placed into effect smokers are in need of a place in which they can comfortably relax and savor a cigarette. Busin... Read >
Author: Neil MacLeod30th May 2007
As the number of graduates in the UK market continues to soar, so too does the amount of debt with which the average graduate is saddled. For instance, in the last three years it appears that increased studying and living costs in England and Wales has ca... Read >
Author: Andrew Regan25th May 2007
Statistics reveal that someone somewhere in the UK falls prey to a critical illness every 2 minutes. That critical illness is most probably the heart attack. As surveys are carried out, results appear, showing that 93 percent of these people are likely to... Read >
Author: Billy Leverton23rd May 2007
With affect from the 6th of April 2007 the law in the UK, with regard to the holding of tenant's deposits has changed. There is now something in place called Tenancy Deposit Protection (TDP). The two main aims of TDP are: Firstly, to ensure that tenant de... Read >
Author: joecool08th May 2007
There has been a huge change in the property market this year. It came into effect on the 6th of April 2007 and it is set to revolutionise the way tenant's deposits are handled. Tenancy Deposit Protection (TDP) is now part of the UK property investing L... Read >
Author: Carlton Johnson01st May 2007
What is a registered office?
It is basically an address of a company registered under Companies House, which works as the official address of that company, organization or the legal entity. It is the registered office where letters and reminders from ... Read >
Author: Braden30th April 2007
House prices could fall by as much as 30% over the next few years, claim experts, which could trigger a recession as currently overvalued property prices (20% overvalued according to Goldman Sachs and the highest in 15 years) are corrected. Many watchers ... Read >
Author: JamesQuinton13th April 2007
From 1 June 2007, all home owners in England and Wales will need to prepare a Home Information Pack before putting their home up for sale.
The government has introduced this latest measure to enable purchasers to be more informed about a property as ea... Read >
Author: Ray Prince14th March 2007
If you have been hurt at work, then you deserve a financial settlement from your employer. Many people believe that it is expensive and time consuming to pursue an accident claim when the exact opposite is true—pursuing a claim for an accident you had... Read >
Author: Carolyn Clayton22nd February 2007
Note: the information in this article applies to England and Wales only.
This guide is an introduction to obtaining probate after someone’s
death in order to administer their estate.
When someone dies, their finances, assets and belongings (i.e. th... Read >
Author: Benedict Rohan20th February 2007
This article refers to divorce law as it applies in England and Wales.
Apart from all the emotional turmoil, there are so many practical
matters that must be sorted out when a married relationship comes to an
end. If you and your partner find yoursel... Read >
Author: Benedict Rohan15th February 2007
If your debts get to the stage where a bailiff comes knocking at your
door to seize goods, it can be a very distressing experience. However,
if you know your rights and the law beforehand, this can alleviate some
of the stress and make the situation mu... Read >
Author: Benedict Rohan09th February 2007
When a person is unable to pay his creditors, a civil case can be brought to the County Court in England and Wales, or the Sheriff Court in Scotland. The court can make a judgment (or a decree in Scotland) against the debtor that then remains in force unt... Read >
Author: Christopher31st August 2006
The decision to send your child to a private school is a very personal one. There are parents who make this commitment soon after, or even before, their child arrives in the world. The child's name may be put down for the parent's choice of independent sc... Read >
Author: michael challiner31st August 2006
Civil Partnership Act 2004
The Civil Partnership Act 2004 came into force on the 5 December 2005 providing a long overdue legal recognition of same sex couples' rights. Same sex couples now finally have largely the same legal rights as that of heteros... Read >
Author: Janine Byrne06th June 2006
At the beginning, you will be offered plenty of advice and support to set up your business enterprise schemes often run seminars and give out free software to help you manage your accounting, for example. Local mentoring schemes can provide a useful way... Read >
Author: Joseph Kenny21st March 2006
Sadly to say there are times when we have to lose a life to save a life when a decision is made to terminate a pregnancy. An early termination is known as an abortion. There are people who strongly oppose abortions but unfortunately when it is a matter of... Read >
Author: Kacy Carr17th February 2006
There are many borrowers who have a bad credit history. You may acquire a bad credit score as a result of default, late payment, insolvency, etc. We have seen a huge expansion of the UK loan market. More and more Britons are now taking out loans. A loan c... Read >
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