Merrils Ede Solicitors
27 Park Place, Cardiff, CF10 3BA
Hunt Morgan Rostron
13 Earl Cunningham Court, Schooner Way, Cardiff, CF10 4DZ
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Your employer should tell you when you start work how much you will be paid, how it will be paid to you and when. This must be put in writing within two months of you starting... read more
The UK has signed up to the United Nations Convention Relating to the Status of Refugees, which means that under certain circumstances it will offer asylum to people who may be persecuted... read more
Steps to follow If you’ve been accused of a crime the police will no doubt want to talk to you about it. If the offence you’ve been accused of carries a power of arrest (eg... read more
There are six forms of British citizenship, some of which are defined in the British Nationality Act 1981. They are: British citizenship; British overseas... read more
Sales and distribution overseas If you want to sell your wares overseas, you need to decide how you’re going to distribute them. You might opt to sell them directly, e.g.,... read more
All employers, bar the armed forces, have a legal duty not to discriminate against employees or job applicants on the grounds of disability. This has been the case since October 2004 (prior... read more
If you or your employer wants to terminate your employment, your employment contract will usually set out how much notice one must give the other before you leave. This may be more generous... read more
The Equality Act 2010 outlaws discrimination in the workplace on the grounds of sex, marital status, civil partnership status and gender reassignment. It covers: recruitment and... read more
Buying Businesses tend to rent premises rather than buy them as finding vacant commercial premises for sale is often hard. Buying also tends to tie up what could be crucial capital and... read more
In harsh economic times, most companies start to examine how they can cut costs and save cash, with eyes almost inevitably turning to the company’s employee wage bill which will... read more
Steps to follow Start small, think big. Keep your expenses as low as possible, but leave yourself scope to expand. On the other hand, don’t choke off possible growth by scrimping on... read more
Bankruptcy is an option – sometimes an unavoidable one – available to individuals who are unable to pay their debts and are thus insolvent. You can declare yourself bankrupt or,... read more
Different types of business have different legal structures and the kind you choose will depend on the sort of business you have and what you want out of it. The tax/national insurance and... read more
A lease or tenancy is an "estate in land" and is a legal agreement between you and the landlord allowing you to use the premises, subject to pre-agreed conditions. It can be... read more
Steps to follow If a relative has died and you’re in charge of sorting out their affairs there are a number of people and organisations you need to inform starting with the family... read more
Retirement Age You can retire at any age you want – as long as you can afford it – but the default retirement age in the UK is 65. When you reach this age your employer can... read more
Steps to follow If you’re unhappy with HMRC’s service – eg unreasonable delay, an avoidable mistake, or how you’ve been treated – first talk to the person or... read more
Steps to follow How much do you need to borrow? How soon can you pay it back? How quickly do you need it? What assets do you have? These questions need to be answered before you can... read more
There are numerous types of insurance cover available for businesses. Some must be taken out by law, others aren’t mandatory but are highly advisable for all businesses, while still... read more
Once a couple has made the difficult decision to end their marriage, it’s only natural to want to keep the divorce process time to a minimum. A smooth and straight-forward divorce is... read more
Pre-employment checks You’ve made it through the interview and you’ve been offered a new job – all good news, but it’s a wise idea to get the job offer in... read more
Business restructuring can mean a host of different things, including downsizing the workforce, mergers, acquisitions, debt for equity swaps, and corporate simplification. Businesses... read more
Every company has its ups and downs but you need to ensure your business can run as a viable concern in the good times and bad. If your company is having problems, there are several things... read more
Once the police have arrested a suspect and gathered evidence on a crime, the case is then handed over to the Crown Prosecution Service (CPS - www.cps.gov.uk) so that a prosecution can be... read more
Legal problems arise in business all the time and the temptation might be to run to a lawyer every time to get them to sort the problem out for you. There is no doubt that in some... read more
Steps to follow Whether you are buying or selling a business, the first step is to put a value on it. This is a negotiable matter. Valuing a business is a complex process, so consider... read more
If you are company is struggling to trade and pay its debts when they become due, and you discover that your assets are worth less than your debts, then your company is insolvent. If this... read more
Nobody should have to live with domestic abuse. The abuse can be physical, sexual, financial, psychological, or emotional. It is mainly carried out by men towards women, but also happens in... read more
There are many ways to resolve legal problems, the overwhelming majority of which do not involve going to court and some of which do not require the attention of a solicitor. Having... read more
If you are a carer who looks after a relative, friend or neighbour who needs support because of their sickness, age or disability, you have a number of rights at work and you may be... read more
Before the court hearing There are certain steps your lender must take before it takes action to repossess your home. This applies to most residential mortgages. Proof that the correct... read more
Steps to follow Do you have debts which you are totally unable to repay? You can declare yourself bankrupt which is a means of clearing debts you can’t pay. If you owe... read more
Have you been injured in a road traffic accident, or developed a psychological condition that you believe is the result of an earlier trauma? Did a doctor fail to diagnose an illness, or... read more
A company is insolvent when it cannot pay its debts and its assets are less than its debts. Unless you can find a way to pay off those debts pretty quickly then the insolvency may lead to... read more
Under the Sex Discrimination Act 1975 (SDA 1975), it is illegal for your employer, or a prospective employer, to discriminate against you because of your gender, your marital status or... read more
Steps to follow If you are a limited company, you will have to pay corporation tax on any profits at the end of the financial year. Partnerships have to pay income tax. Then there are... read more
Renting a commercial property for your business requires less financial outlay than buying, freeing up your capital to plough into your business and, unless you plan to sell the remaining... read more
There are a number of steps that need to be worked through when you are buying or selling a business. These include: valuing the business tax advice sales... read more
Steps to follow If you feel you have a mental health problem, your first stop should be your GP. They can provide advice or refer you for specialist services. Professionals who... read more
Just as civil partners enjoy the same rights as mixed-gender married couples in the UK, they also have to apply for dissolution from the courts if they choose to end their partnership. In... read more
Steps to follow If you have an elderly relative who increasingly needs looking after and you’re responsible for sorting out their care, you must first decide where they are going to... read more
Your will is probably not the highest item on your list of concerns. After all, we tend not to think too much about what will happen after we die. As your life progresses and your... read more
Steps to follow Is your bank account continually in the red? Are you falling further and further behind with you bill or mortgage payments? Are you being turned down for credit with high... read more
Having children is a lifelong commitment. Regardless of whether or not the parents stay together – or ever were in a relationship at all – they both have a responsibility to... read more
Steps to follow Are you planning to get married or to enter into a civil partnership but want to protect some of your assets if everything should go wrong? Or is there a significant... read more
Steps to follow If you feel there may be a time in the future when you don’t want to make decisions about your property and financial affairs or your health welfare, or you feel you... read more
Definition of fraud In England, Wales and Northern Ireland, the fraud laws were overhauled by the Fraud Act 2006 which came into force in 2007. It introduced a statutory... read more
What is bankruptcy? If you are an individual and you are insolvent, i.e. you have debts which you are totally unable to repay, then you may have to consider bankruptcy as an... read more
Although the pain of a relationship breakdown might spur an angry spouse into fighting a divorce, you should think long and hard before doing so: contesting a divorce petition can be... read more
Steps to follow Are you owed money and beginning to get fed up of excuse after excuse? Or, do you have debts that you can’t pay? Either way, take action and sort the problem... read more
In times of recession, a great number of homeowners fall into arrears with their mortgage. If you are in this situation, you are best to seek help as fast as possible. If you... read more
You are a victim of identity theft if someone pretends to be you in order to steal money or gain some other sort of benefit. Offences It is an offence to possess, control and intend... read more
If the demands from credit companies are piling up on your doorstep, then you may be considering filing for bankruptcy. Bankruptcy no longer carries the stigma that it once had,... read more
Pre-nuptial agreements (pre-nups) are not the easiest of subjects to bring up with your betrothed. They seem to fly in the face of the commitment you’re about to make. They’re... read more
In recent years law firms have reported a significant increase in the number of couples deciding to divorce later in life. Official statistics have also revealed that couples married for... read more
The death of a loved one is a distressing time. There are practicalities surrounding death which need to be taken care of, such as arranging the funeral and winding up the estate of the... read more
Steps to follow Have you been married for at least a year? You can’t file for divorce unless you have. Has your relationship irretrievably (permanently) broken down? The court... read more
Steps to follow Have you suffered some sort of loss which is covered by an insurance policy? If so, first check your policy to ensure it’s worth making a claim – most... read more
Every company has a duty to prepare a set of accounts which report on the company’s performance and activities during the financial year. A copy of these accounts must be sent to... read more
Limited companies and other organisations such as clubs, societies, associations and other unincorporated bodies have to pay corporation tax on the taxable profits they make. The... read more
Divorce can be a painful and protracted experience. Preparing for it, and exploring all the available options, however, can go a long way towards reducing the stress. Marriage guidance... read more
Businesses often have to borrow money, and how to do this is a question it pays to research. Borrowing may be necessary while the business is starting up, if a big order comes in, or if... read more
Steps to follow What kind of pension do you have? Is it an occupational pension, a personal pension, a state pension or a stakeholder pension? The type of help you can receive depends on... read more
When a marriage breaks down, one of the main bones of contention will be deciding how the assets of you and your partner will be divided. Contrary to popular belief, a couple’s... read more
Steps to follow If you have a problem with your state pension, first contact your pension centre and explain what you think is wrong. They will aim to investigate your complaint within... read more
Steps to follow The state pension is worth less than £5,000 per annum for a single person, and about £7,500 for couples. You can draw it, if you have paid enough national... read more
Steps to follow If you think your bank is treating you unfairly – eg overcharging you for a service or selling you a product without explaining the risks – your first move... read more
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