Money Lawyers in Newcastle

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Bankruptcy basics

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,... more

I want to buy or sell a property

Steps to follow Seller issues the contract package which consists of a draft contract, Official Copies of the legal title, copies of any deed/documents which affect the title, a Sellers... more

Requirements to provide pensions to employees

There are two main types of pension in the UK: money-purchase and final salary schemes.   Money-purchase schemes include occupational money purchase, personal pensions, stakeholder... more

Your consumer rights

Whether we purchase goods from a shop, another person, or across the internet, we have legal rights as consumers. We also have rights when we hire goods or enter into a hire-purchase... more

Overview of loans, mortgages and guarantees

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... more

Recovering debts from other people or companies

It’s infuriating, sometimes embarrassing, and can be costly. There are, however, various avenues open to you when a debtor refuses to pay up. First steps When attempting to... more

I want a pension

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... more

I have a dispute

Steps to follow Do you feel you are owed money by someone and all attempts to resolve the dispute without resorting to court action have failed? If you decide to take the matter to... more

How to get access to and manage the estate of a deceased loved one

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... more

Living together wisely

Despite popular belief, there is no such thing in the UK as “common law marriage”. If you and your partner are living together you have considerably less rights than couples who... more

I need to borrow money

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... more

Is liquidation right for you?

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... more

Types of businesses

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... more

Managing debtors

Late payment of invoices can make or break a company – especially a small one. Many businesses are often not keen to chase debtors too hard for fear of damaging their relationship... more

I am having a baby, I need flexible working hours, I am owed money

Steps to follow If you are pregnant, you are allowed time off work for antenatal care. This can include relaxation classes and parent-craft classes. You may have to show your employer... more

Overview of insolvency

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... more

Writing a will

Why write a will? Failing to make a will means your belongings will be distributed according to the laws of the country you live in – which may not be in the manner you would... more

Is bankruptcy right for you?

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,... more

Buying or selling business premises

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... more

A relative has died

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... more

Overview of bankruptcy

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... more

I need a will

Steps to follow There are a number of good reasons for making a will: not least that you can arrange your affairs so your loved ones pay less tax after you’ve gone; and you can... more

I have debts

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... more

I have a problem with my bank

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... more

I have a tax issue

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... more

I am in debt, I have debtors

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... more

Overview of crime and criminal law

We all think we know about crime—it is a theft, murder, fraud or assault. The British public are avid watchers of television crime dramas, and readers of crime fiction. But what... more

Problem tenants

Renting out property is not as easy as it might look to the outsider. The landlord has many responsibilities towards the tenant, and must take care of a multitude of repairs, insurance and... more

Estates planning

Estate planning is the process of disposing of an estate in a way which is designed to eradicate uncertainties over the administration of a probate and maximize the value of the estate. If... more

I want a mortgage

Steps to follow Make sure your credit rating is in good shape – some companies do free credit checks. You can improve your credit rating by: registering on the electoral roll at... more

Preparing to meet your lawyer

Once you have arranged your first meeting with a solicitor, it’s a good idea to gather your paperwork together and work out what questions you want to ask. Otherwise, you could end up... more

Overview of child support

Having children is, as they say, a lifelong commitment. Regardless of whether or not the parents stay together (or ever were in a relationship at all) they have a responsibility to support... more

How do solicitors charge?

Cost is always going to be a concern when using legal services, and you may be wondering how lawyers charge? First of all, solicitors have a professional duty to follow rules set down... more

What to consider when selecting a lawyer

There are several points to think about when choosing a lawyer, and the most important one is to select a lawyer with experience in the right area of law. Solicitors are usually highly... more

Can I represent myself

An individual is entitled to represent themselves or their business at a court or tribunal. This is the case whether the individual is a claimant or a defendant. It may seem a daunting... more

I am bankrupt

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... more

Choosing a wills and probate lawyer

According to lawyers in the know, an increasing number of disputes over wills are ending up in the courts. These disputes are often bitterly contested and can have a devastating effect on... more

Status of prenuptial agreements in divorce

  Pre-nuptial agreements are not the easiest of subjects to bring up with your significant other. They seem to fly in the face of the commitment you’re about to make.... more

Choosing an employment lawyer

Employment Law If your dream job is turning into a nightmare, or your ‘perfect’ employee is wreaking havoc in the workplace, then you may need the help of an employment... more

Preparing for a divorce

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... more

Problems with goods and services

Goods  All consumers have rights when they buy faulty goods from someone acting in the course of trade, although the type of rights you have may depend on what you bought and how... more

Grounds for divorce

Famously, one in three marriages ends in divorce. This is a depressing statistic. Divorce can be a hugely traumatic and costly experience for both parties. A divorce is the ending of... more

Who works in law firms?

Law firms are busy places. They come in various shapes and sizes, from sprawling multinational operations to just one solicitor working as a sole practitioner from a high street... more

Choices if you cannot afford a lawyer

Lawyers don’t come cheap, and sometimes the people who need them most can’t afford to pay. If you are unable to pay a lawyer, then there are several options available to... more

Overview of winding up a business

If your company is insolvent – i.e. it doesn’t have enough money to pay off its debts – there are several different possible outcomes. Some of these could involve allowing... more

I need help with power of attorney

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... more

Do I need a lawyer? (business)

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... more

Can I cut the pay of my staff?

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... more

I have a dispute with a builder

Steps to follow If you feel your building work has been botched or isn’t finished, first work out who your contract is with. This could be the builder, architect/ structural... more

I am being investigated for fraud

Steps to follow Have you failed to report a change in your personal circumstances to the Department for Work and Pensions (DWP) or council or deliberately provided incorrect information... more

Which businesses require licensing?

There are a range of businesses in the UK which require a licence. These are generally issued, administered, and policed by local authorities. Licensing authorities must carry out their... more

Salvaging a business

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... more

Overview of starting a new job

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... more

I have injured myself at work

Steps to follow If you’ve been injured at work, you should (if you are capable of doing so) record the details of the incident in your employer's accident book. (All employers,... more

Overview of identity theft

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... more

Termination of employment contracts

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... more

Problems with your landlord - private landlord

The days of slum landlords have—in theory at least—ended. As a tenant, you have a right to live in a safe home free from an intrusive or unscrupulous landlord. What you are... more

Overview of marriage

Who can get married? Any two people can get married in the UK provided they are: Aged 16 or over Of different sex Not too closely related Unmarried and not in... more

I have a dispute (customers and suppliers)

Steps to follow Are you in dispute with a customer over goods or services that you supplied, or are you a customer who is dissatisfied with your supplier? The best solution is to try to... more

Overview of immigration to the UK

Various different rules and criteria apply depending on whether you want to visit, work/ study in or permanently settle in the UK.  Visiting the UK Most foreign visitors to the... more

Overview of retirement

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... more

Overview of commercial agreements

Joining commercial ventures with other businesses may be an attractive proposition, especially, for example, if you or the other party want to sell your products in unfamiliar... more

I am being bullied, I am a victim of discrimination (employees)

Steps to follow Bullying in the workplace is where someone tries to intimidate another worker. It is defined by Acas as “Offensive, intimidating, malicious or insulting behaviour,... more

Repossession of a home you own

Pre-action protocol There are certain steps your lender must take before it takes action to repossess your home, which are set out in a ‘pre-action protocol’. This applies... more

Welcoming a child

There are laws specifically designed to protect prospective or new parents and there are a range of benefits and allowances that you are entitled to as well. Pregnant employees If... more

I want to trade internationally

Steps to follow Where do you want to trade? Is it within the EU or outside? You will need to do thorough research to ensure you are complying with all relevant laws and... more

I want to rent or let a property

Steps to follow Renting The easiest way of finding a private residence to rent is through a letting agency. The agency may also manage the property on the landlord’s... more

Overview of personal tax

The government collects taxes from individuals through HM Revenue & Customs (HMRC) under a variety of different headings including: Income Tax, Capital Gains Tax (CGT), Inheritance Tax... more

Dealing with consumers

Relevant legislation If you’re a trader who sells to consumers, under the Sale of Goods Act 1979 (SOGA) you must ensure the goods you sell are: as described; fit for the purpose... more

Overview of fraud in businesses

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... more

I need help with immigration

Steps to follow If you’re from Switzerland or the European Economic Area, you and your family will usually have the right to freely enter the UK and work there. However, the rules are... more

I am a victim of crime

Steps to follow Report the matter to the police as soon as possible. Dial 999 if it’s an emergency, otherwise, report it to your local police station either in person, via phone or... more

What documents do I need when meeting a lawyer?

You want to ensure that your first meeting with your solicitor is as useful as possible. To ensure your solicitor thoroughly understands your problem and can provide you with proper legal... more

Commercial leases

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... more

I need help with an elderly relative

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... more

Company filing requirements

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... more

International trade

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.,... more

Overview of pay (pay rises, pay cuts, notice pay, etc.)

  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... more