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Driving Without Insurance – The Consequences

Driving Without Insurance - The Consequences Driving without insurance is illegal, but what are the rules and consequences?  What Insurance Should I Have?  By law, the minimum level of insurance that you must have is third party liability cover. You can also add fire and theft insurance, as well as fully comprehensive cover.  Even if you have full insurance, but let someone else who doesn't drive your car, you are liable for this.  What Are the Consequences of Driving Without Insurance?  If stopped, you have 7 days to provide police with up to date insurance certificate. Has to be valid time you were stopped.  Penalties can be...

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The Importance of a Cohabitation Agreement

Handing over house keys to another persons hand

Couples thinking of moving in together often don’t think about what would happen with the house if they were to break up, however it is something that they should consider. Whilst married couples enjoy protection if the relationship ends, these rights do not apply to couples cohabiting. Cohabitation is the fastest-growing ‘family type’ in the UK, increasing to 3.3. Million in the last year. When a cohabiting couple break up, the ownership of their home is likely to take up a large amount of dispute. This is because both parties claim that they have a share in the property, contributing financially...

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Holiday Fraud and How to Avoid It

Hand picking up passport and packing suitcase

Fraud can result in weeks and months of legwork to put right, as well as high inconvenience associated with putting things right. Holiday fraud can also have the emotional trauma related with it, as not only have you lost your money, but the disappointment of missing out on a break that you’ve been looking forward to. Every year, thousands of people fall victim to holiday fraud - whether it be related to accommodation, flights or entire holidays. They can fall victim to fake online advertisements, emails and phone calls - and what’s more, these advertisements may sometimes appear on legitimate websites....

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The Importance of a Will for Unmarried Couples

In order to ensure that your estate passes in lines with your wishes once you die, it is recommended that everyone has a valid Will. This is also vital for unmarried couples, who wish to provide for their partner and their children in the event of death. Under intestacy rules, if marriage has not been taken out then the surviving partner or children would not be provided for, which could lead to stress and serious financial issues. This also applies to the send-off of their loved ones, as without being appointed as an Executor, the surviving partner will have no say...

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Understanding Corporate Manslaughter

Judge writing with wooden gavel

A breach of health and safety rules in a business can have tragic consequences, which may lead to death. This is a criminal offence in English law, and organisations can be convicted for such criminal offences similar to a natural person. What is Corporate Manslaughter? Corporate Manslaughter is when a businesses actions lead to the death of an individual. This applies to both limited companies and some public bodies - such as local authorities and the NHS. For this to be a chargeable offense, the individual in question must both be responsible for the person's death and have committed a gross...

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What are Criminal Duty Solicitors, and why is there a shortage?

Business man and lady shaking hands over clipboard

A Duty Solicitor is a solicitor whose services are available to a person that is suspected or charged with a criminal offence. This is available free of charge if the person does not have a solicitor of their own. They provide essential and valuable services 24 hours a day, assisting individuals who are detained at the police station and represent individuals in court. Duty Solicitors will also explain the process of the case, discuss police evidence and whether it is strong enough to charge the alleged against the crime. They can provide advice and answer any legal questions that the alleged...

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Drink Driving Charges – Frequently Asked Questions Answered

Person drinking whilst driving

Drink driving is a punishable offence, and can land you with hefty fines or your license being taken away from you. We get lots of questions asked about drink driving, so here are our frequently asked questions answered… What is the legal alcohol limit for drivers? The breath test is 35 micrograms of alcohol per 100ml of breath, and 80mg per 100ml of blood if you are having a blood test. The urine test limit is 107mg per 100ml of urine. What are the consequences of drink driving? It can range from 3-6 months imprisonment, an unlimited fine, a 1 year...

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What is POCA?

Gold Scales of Justice with man reading book in background

POCA stands for the Proceeds of Crime Act which was first implemented in 2000. This is a law in relation to the recovery of criminal assets, that can be obtained without all parties in the case being present, including the Defence. Who Imposes POCA? These orders can be imposed by the investigating authorities on your assets, which will freeze them. Any money earned as a result of, or in connection with, an offence can be recovered under the Proceeds of Crime Act 2002. The crown court must consider making a confiscation order if: The defendant is convicted of an offense...

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Divorce & The Tax Year

Lawyer with Divorce certificate and couple

As the end of the tax year gets closer, it is important that all divorcing couples seek professional advice if they are considering a transfer of assets. Tax issues are often last to be considered when in the divorce process, however the impact of tax on the final settlement should not be underestimated. This is because by planning the settlement and minimising tax cost within transfers, it allows the maximum amount for distribution between individuals. Capital Gains Tax In a divorce settlement, the Capital Gains Tax (CGT) can cause large implications for couples. This is because spouses are classed as ‘connected...

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What is First, Second and Third Party Fraud?

Fraud logo red stamp

Fraud is a wide subject, and there are actually 3 different varieties of fraud: First, second and third party. So what is the difference between all 3 of them? Different Types of Fraud: First Party Fraud This is where an individual or group of people misrepresent their identity or give false information. This may be done when they are applying for a product or service, and is done with the aim of getting more favourable rates. Unfortunately, this may also be done when they want to make a false claim against an insurer to obtain a payment. Examples of First Party...

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