Free Legal Information

The legal information you need.

The Consumer Credit Act

Legal rights are provided by the Consumer Credit Act for people who have entered into credit agreements for less than £25,000. The  Consumer Credit Act lays down strict rules about lending and borrowing money and in particular  provides: that all lenders of money are...

Court etiquette and how to behave in court

How you behave How you behave and act at court is going to make a difference. Your attitude and appearance can and may well affect the outcome of your case. If you appear unkempt, unruly and with no apparent respect for the judge and the court you can hardly expect...

When is a Credit Agreement Unenforceable?

Is it possible to have a credit agreement declared void or unenforceable so as not to have to pay back any of the money loaned? Many of the challenges to loan and credit agreements rely on the lender not being able to produce the original agreement. Sections 77 and 78...

Payment of Judgement Debts

When a case is lost, and you are ordered to pay a  judgment together most probably with legal costs, the usual order will usually be for payment within 14 days. But what if you do not have the money to pay the judgment debt and cannot pay? This will very often be the...

Statutory Demands

Statutory demands can be very effective. Serving a statutory demand upon someone who owes you money together with the threat of bankruptcy will concentrate a debtors mind on resolving matters. Court proceedings are one only way of enforcing payment of money owed to...
Drafting a Statement of Claim

Drafting a Statement of Claim

Drafting a Statement of Claim  Your Statement of Claim or Particulars of Claim is the document which sets out what you are claiming and gives details of why you say you are entitled to a judgment from the court. It is sometimes called the Statement of Claim or Points...

Enforcement of Judgment

Enforcement of Judgment

If you have obtained your court judgment and it has not been paid as ordered by the court it will be down to you to enforce payment. There are a number of ways in which the Court can enforce judgment, but you have to take the initiative. Enforcement of judgment does...

Enforcement of Judgment

Delay in Inheritance Act Applications

The Inheritance Act (or the Inheritance (Provision for Family and Dependents) Act 1975, to give it its full title) was passed to help spouses, children, civil partners, cohabitees and other surviving dependents who have been left to cope without sufficient money to...

Family Mediation

Family mediation is a way of assisting separating or divorcing couples to resolve disputes and reach agreed decisions with a mediator in a series of mediation sessions on issues arising from the breakdown of a relationship. These could relate to children, financial...

Expats and Divorce

If you are living outside of England and Wales when your marriage breaks down, the question will arise as to whether you are able to divorce in the English courts. Much the same question will have to be asked if you are from another country where you were married but...

Defending a Divorce

Defended Divorce It is possible to defend a divorce petition but only just. You may wish to do so because you genuinely believe that the marriage has not broken down beyond repair and can be saved, or entering a defence may be a tactical move connected with financial...

Severing a Joint Tenancy

There are only two ways in which people can own land together. Land can be held jointly either as beneficial joint tenants or as tenants in common. Neither have anything to do with tenancies as in renting property. They are just legal terms describing how land is...

Matrimonial Home Rights

Matrimonial Home Rights   If, as a spouse or civil partner you do not legally own a share of the property you live in with your respective spouse or civil partner, you can protect your potential share in the property by way of a notice known as the ‘Matrimonial...
Separation agreements

Separation agreements

The purpose of a separation agreement The purpose of a separation agreement is to make absolutely clear what was agreed by spouses when they decided to live apart. This prevents future disputes and arguments. The terms agreed in a separation agreement will always be...

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What You should expect from your Lawyer

What You should expect from your Lawyer

A lawyer is a professional person from whom you are entitled to a quality service. You should be able to expect at the very least the following from him or her Competence. There will never be a guarantee that your lawyer will win your case or succeed in obtaining your...

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Consent Orders

Consent Orders

Consent Order A consent order (purchase here) is an order of the court in terms which the parties have agreed and asked the court to give legal affect. It can be applied for on divorce or dissolution of a civil partnership when financial issues are agreed between the...

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Business Law

Is time of the essence?

When you enter into an agreement with someone to do some work for you the time to complete that work will not be 'of the essence' unless this is specified. The work must just be carried out within a reasonable time and what is a reasonable time can be open to...

Acceptance of contracts

For a contract to be legally binding there must be clear acceptance of the contract and an intention to be legally bound. The three elements of a valid contract-offer, acceptance and consideration -must be present. Unless it is shown that there was an acceptance of an...

Misrepresentation and the Misrepresentation Act 1967

What is a misrepresentation A misrepresentation is an untrue statement of fact made by one party to the other, which induces and misleads that party to enter into a contract. Misrepresentation must be of fact, not of opinion or intention. Silence in itself can be...

Interest on business debts

If you are in business and are owed money by another business as a business debt you are entitled to interest on the debt and amount owed. The Late Payment of Commercial Debts Act 1998 (as amended by the Late Payment of Commercial Debts Regulations 2002) give you a...

Business Disputes

Business Disputes Disputes with suppliers, customers, competitors and with partners or shareholders are an unfortunate part of business life. They are potentially expensive and time consuming and can grow out of all proportion if not managed properly. Above all they...
Does an employment contract have to be in writing?

Does an employment contract have to be in writing?

An employment contract is no different from any other contract in that most do not have to be in writing to be legally valid and enforceable. If you are offered employment, accept and then start work a valid contract has been created between you and your employer even...

Enforcement of Judgment

Business Disputes

Business Disputes Disputes with suppliers, customers, competitors and with partners or shareholders are an unfortunate part of business life. They are potentially expensive and time consuming and can grow out of all proportion if not managed properly. Above all they...

Enforcement of Judgment

Freehold or Leasehold

Freehold and leasehold are two different types of property ownership in the UK. Anyone considering buying a property here will need to know the meanings of both terms, as there are considerably different obligations and privileges bestowed upon the owner in each....

Employment Law

Vicarious Liability

Vicarious liability is where someone is held legally responsible for the acts or omissions of someone else. Therefore vicarious liability can make an employer strictly liable for the acts and failures of an employee if these took place in the course of their...

Statutory Redundancy Payments

What do you do if your employer closes down, you are made redundant, and your employer either can’t or won’t pay you the redundancy pay that you’re owed? In these circumstances you can apply to the National Insurance Fund to pay either the whole or part of the...

Professional Negligence

'Every person who enters into a learned profession undertakes to bring to the exercise of it a reasonable degree of care and skill. He does not undertake, if he is an attorney, that at all events you shall win your case, nor does a surgeon undertake that he will...

Money Received by Mistake

A person who receives money as the result of a mistake made by someone else is not entitled to keep the money. The position with money paid by mistake is much the same as if you find a £20 note in the street. The money received by mistake does not belong to you as it...

Lies, White Lies and Your CV

In a competitive jobs market, people tend to think ‘does a little white lie in my CV matter if it helps me get the job?’. The answer to this is that it very well could, and the consequences could very well be serious. Your CV may well be a critical document when the...
Third-Party Dismissals

Third-Party Dismissals

What happens if you are an employer and a third-party demands that you dismiss one of your employees? This situation may well arise if you are supplying workers under a service contract and are told by your customer that you will lose the contract unless you remove...

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Stress at Work

Stress at Work

Work can be stressful, but sometimes it is unduly so. Where a workload and demands placed by an employer on an employee are excessive, there is a duty upon that employer to take action to remedy the situation. If they do not do so, the employee may be entitled to...

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Lies, White Lies and Your CV

Lies, White Lies and Your CV

In a competitive jobs market, people tend to think ‘does a little white lie in my CV matter if it helps me get the job?’. The answer to this is that it very well could, and the consequences could very well be serious. Your CV may well be a critical document when the...

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Property Law

Public Landlords and Council Tenants

A public landlord will include local authorities, district councils and most housing associations. A council tenant will be a person who takes a tenancy from any of these. There are two main types of council tenancy: secure and introductory. Where a tenancy agreement...

Abandoned Goods

Abandoned goods What are you to do if someone has left their property with you or on your premises and do not remove it although you have asked them to do so. This is a problem often facing landlords when a tenant moves out leaving some of their possessions behind...

Property Law Covenants

Property covenants are promises that come with a property, are attached to it, and bind the present owner of the property . The most common types of covenants are restrictive covenants. A restrictive covenant is a promise attached to the land which binds the owner for...

Freehold or Leasehold

Freehold and leasehold are two different types of property ownership in the UK. Anyone considering buying a property here will need to know the meanings of both terms, as there are considerably different obligations and privileges bestowed upon the owner in each....

Obtaining Possession of Rented Property

A landlord wishing to recover possession of his property must follow the correct legal procedure. If he attempts to evict a tenant otherwise, he may be guilty of a criminal offence and could be ordered to pay substantial damages. Most private sector tenancies will be...
Enforcement of Judgment

Rights of Ways and Easements

An easement is a right to use another person’s property for a stated purpose. A type of easement can be a right of way that someone has over another person’s property. There are 4 main types of easements that are recognised rights: Rights of way Easements of support...

Enforcement of Judgment

I have issued my Claim-What next?

Once you have issued your claim, within 14 days of receiving (being ‘served’ with) your particulars of claim, the defendant must send to the court (called ‘filing’) either: If you issued your claim through money claim on line you will be able to access there. an...

Enforcement of Judgment

Freehold or Leasehold

Freehold and leasehold are two different types of property ownership in the UK. Anyone considering buying a property here will need to know the meanings of both terms, as there are considerably different obligations and privileges bestowed upon the owner in each....

Inheritance Law

What is probate?

When a person dies somebody has to deal with their estate (the money, property and possessions left) by collecting in all the money, paying any debts and distributing the estate to those people entitled to it. The term 'probate' means the issuing of a legal document...

Joint and Mutual Wills. Pros and Cons.

What is a joint Will   A joint Will is a single Will made by two people which deals with the estates of both of them. Usually it will leave everything to the other on the first death and then to agreed beneficiaries on the death of the survivor.   Mutual or...

I’m dying and when I’m gone everything is yours

To pass on your estate when you die you must make a Will which must be properly executed. It has to be written, dated and signed in the presence of witnesses. The Law is quite clear in that. Sometimes however a person facing imminent death may not have made a Will or...

Who Can Decide Where You End Up?

Most people when making their will include a statement of their wishes as to what they would like to be done with their 'mortal remains'. They might say that they wish to be buried, cremated, or even sometimes buried at sea or to have their ashes scattered at a...

Lasting Powers of Attorney

Lasting Powers of Attorney  were created by the Mental Health Act 2005 and came into effect from October 2007. A Lasting Power Of Attorney unlike a general power remains effective even if the donor loses his or her mental capacity. There are two types and separate...
Joint and Mutual Wills. Pros and Cons.

Joint and Mutual Wills. Pros and Cons.

What is a joint Will   A joint Will is a single Will made by two people which deals with the estates of both of them. Usually it will leave everything to the other on the first death and then to agreed beneficiaries on the death of the survivor.   Mutual or...

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Who Can Decide Where You End Up?

Who Can Decide Where You End Up?

Most people when making their will include a statement of their wishes as to what they would like to be done with their 'mortal remains'. They might say that they wish to be buried, cremated, or even sometimes buried at sea or to have their ashes scattered at a...

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When to Change Your Will

When to Change Your Will

It's time to write a new will if you're experiencing a big change in your life, such as moving, getting married or divorced, moving in with a new partner, or bringing a new baby into the family. Your will should be tailored to your current family and financial...

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