Posts Tagged ‘Solicitor’

Millions of UK consumers have purchased financial products in the last ten years and almost of them will have been sold Payment Protection Insurance as an add-on. PPI is designed to cover your ability to repay your debt should you find yourself in unfortunate circumstances such as injured or unemployed, however, the lenders have been using a loophole to sell PPI to customers who were not qualified for the cover or who did not fit the requirements of the PPI they were sold.

For the past decade, lenders have raked in an estimated 3bn by using the loophole and avoiding payouts at all costs. Although arguably getting by on technicality financial watchdogs have deemed them to be in breach of financial practice. Many high street lenders have been slapped with fines of up to 7m and stand to lose much more from refunds.

The scale of this rip-off was fuelled by commission hungry salesmen who would often stipulate if you did not take out the PPI, you could not have the loan, which is wholly untrue. Some lenders only mentioned the purchase of PPI in the small print and by signing the contract you implicitly agree to pay for it, despite not being included in your original quote.

By their very definition, some people are ineligible for PPI and have still been paying for it, for example if you are above the age of 65 you will not be able to make use of PPI as you are above the age of retirement. Anyone who has paid for PPI over this age is legally entitled to a full refund. Self employed consumers are considered to be in a less stable financial position than someone in full time employment so you will not qualify for payment protection insurance, however, your lenders will be more than happy to offer it to you with no intent to pay it back to you. Most lenders will require a copy of your medical records as insurance is usually based on the likely hood of you falling ill or getting injured, if you have a history of illness or any other medical ailments you will not qualify for PPI. As you can imagine, the lender will be very keen on ensuring you take out PPI even with your medical record in their hand and you will have no chance of being covered.

If you have a historical medical condition the chances are you will be considered a high risk individual and would not be offered the insurance as you are more likely to be off work on medical grounds. As you can guess, the banks will be more than happy to sell PPI to you even with a medical record in their hand and you have no chance of using the cover. Anyone who has been mis-sold PPI like this or in any other fashion is more thank likely to be entitled to a refund, although you will have to chase the banks for this and it is often easier to enlist a legal professional to do it for you.

If you are looking to claim PPI insurance back you will require the services of a dedicated solicitor. Visit Donns PPI claims. Donns can help recalim PPI.

How much could your Personal Injury compensation claim be worth to you. It can be difficult to estimate just how much compensation you could claim, how much of that claim you are likely to see after fees and so on. The amount you receive can vary dramatically depending on your personal circumstances and the circumstances of your accident. Each claim is unique and therefore it is not possible to make a guess as to how much you will be entitled to.

To determine the amount your claim may be worth you must understand the types of damages you may be eligible to receive compensation from. Generally you will be eligible to receive compensation for the following; Medical care and any related expenses that may exist, loss of income due to the accident because you have been unable to work or receiving treatment for your injuries. Any permanent physical disability or disfigurement caused loss of ability to participate in social, family or educational purposes. You can also claim for emotional upset such as stress, embarrassment, depression or any psychological impact the accident may have had on your well being.

If the negligence of somebody else can be proven by a solicitor then the injured party may be entitled to monetary compensation from the at fault party. Often solicitors will offer a no win no fee basis of working. This is a huge benefit to many.

In Wales and England in order to claim for personal injury you must do so within three years from the date of your accident, if you do not do this then you will be barred from making a claim. Recently it has been decided that if you were under 18 during the time of the accident you now have up to your 21st birthday to claim.

No win no fee representation is commonly offered by solicitors due to the abolishment of legal aid for cases like this just prior to the year 2000. In a personal injury claim case the lawyer will only charge a fee if the case is won. Claims for personal injury can be extremely complicated and result in taking a lot of time to resolve, but with the help of a specialised solicitor the process should be made a lot easier and faster. The sooner you get advice the better.

If you have had the misfortune of a slip trip or fall in Merseyside then local Accident Claims Liverpool solicitors, Bartletts Law can help assist with your personal injury claim liverpool.

If you reach the highest number of penalty points allowed on a driving licence or have committed an offence that was considered by the courts to have put the lives of others at risk you will most likely lose your driving licence.

A disqualification from driving can range from one year to ten years depending on the severity of the offence. There are also cases where a judge will rule that the offender should serve a lifetime disqualification to avoid putting the lives of others at risk.

When the offence is less severe you may be required to serve a Short Period Disqualification (SPD) which is less than 56 days. You will need to give your licence to the court for the period of time and a permanent record will be made but it will not be surrendered, you will not be required to retake a test and you can start driving once the SPD has expired.

In the cases of full licence disqualifications you can reapply for your licence after the period has expired. This must be done by filling in the correct forms available online or at a post office. You will be first provided with a provisional driving licence with which you can apply to re-take the theory, hazard perception and practical test.

The disqualification endorsements will remain on a licence unless otherwise inculcated by a magistrate, for which you will need to appear and present your case to have them removed.

If someone has been disqualified they may apply for their licence earlier than the expiry of the disqualification. However, this depends on the individual circumstances of the driver and the length of the ban.

If a driver has undertaken driving improvement courses or other steps to ensure safer driving once qualified, they may be allowed by a court to only serve half their disqualification. The effect of the ban on an individual’s family life or career may also affect the court’s decision.

For bans longer than 2 years you can apply after half the proposed disqualification period, for example for a ban of 6 years you can apply after 3. If you made other offences, driving or otherwise, since your disqualification the court will immediately dismiss your application. If you are caught driving whilst banned you will face a custodial sentence and a hefty fine.

If you need advice on drink driving then talk to Mr Loophole for advice on how to avoid driving disqualifications.

Personal Injury Specialists

Looking and hiring a Personal Injury Specialists nowadays is not as hard as it was before with the flooding number of specialists and private companies that facilitate this type of claim. However, the challenge there is finding the legit ones.

Outnumbering the law firms that deal with personal injury claims are private companies or personal injury specialists that facilitate the same purpose. These companies and individuals sell the claim to solicitors and legal firms who will pay them in return to get hold of the claim. Some of these private companies ask the clients for facilitation cost. But with some law firms who practice the No Win No Fee Policy system, a client is guaranteed not to pay anything whether he wins or loses.

Choosing the right personal injury specialist can be challenging. The very basic thing that a client must consider in hiring one is the specialist’s experience and number of years spent in handling personal injury claims. It is also advisable to hire a specialist that deals only with this type of claim. When talking to a solicitor or a specialist, a client must be able to presenting his proof of the claim. But before that happens, a client must be certain first that he is dealing with the right personal injury claim solicitor or specialist. Some claims, especially the personal injury claims are regulated and licensed under the Ministry of Justice. This means that the law firm or the private company must also be regulated and licensed. Otherwise, they are breaking the law.

To check on licensed personal injury specialists and legal firms, visit the Law Society and the Ministry of Justice. Getting injured already causes a lot of trouble concerning health, career and finances. And hiring the wrong solicitor or representative can cause more complications and further problems in the future.

www.accidentclaimsadvisor.org.uk Accident compensation claim and Personal injury compensation claims specialist. personal injury accident claim,Lambo Crash Lancashire
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Russell Jones and Walker Launches 2 Way Street Campaign






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Russell Jones and Walker Launches 2 Way Street Campaign
Russell Jones and Walker has launched its 2 Way Street campaign, to be headed by Gail Porter.





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London, England (PRWEB) August 11, 2010

Russell Jones and Walker, the personal injury specialists, has launched 2 Way Street, a campaign that aims to bring HGV drivers and cyclists together.

The campaign, fronted by Gail Porter, calls for HGV drivers to have cycle awareness training, for cyclists to be encouraged to take cycle training to cope with busy urban roads, and for more investment in the design of cycle-friendly roads. The campaign is supported by CTC, the UK’s national cyclists’ organisation.

On average, every year approximately eight cyclists a year are killed by lorries in London and about 28 are killed by lorries across the UK, with 70% of these in urban areas.

Following the launch of the Barclays Cycle Hire, in July this year, which aims to generate up to 40,000 extra cycle trips a day in central London by providing 5,000 cycles for hire, Paul Kitson (http://www.rjw.co.uk/meet-the-team/profiles/paul-kitson/ ), a claimant personal injury specialist with Russell Jones & Walker with particular expertise in cycling claims (http://www.rjw.co.uk/legal-services/accidents-injury/road-traffic-accidents-rta/cycling/ ) said: “The launch of Boris Johnson’s Barclay Cycle Hire scheme in central London is even more of reason to draw attention to the relationship between cyclists and HGV drivers in urban areas, and call for positive change.

“All adult cyclists across the UK should have access to national standards cycle training, so that they have the confidence and skills to cycle safely on today’s busy urban roads.

“The 2 Way Street (http://www.rjw.co.uk/2waystreet ) survey has explored, for the first time ever, the relationship between cyclists and lorry drivers and most importantly we now have proof that both parties want more or less the same things so they can share happily the same roads.”

About Russell Jones & Walker

Russell Jones and Walker employs more than 440 staff (more than 229 lawyers) and is renowned as the leading national firm of solicitors in protecting the rights and legal interest of individuals and those who represent them in road traffic accident claims (http://www.rjw.co.uk/legal-services/accidents-injury/road-traffic-accidents-rta/ ) and more. RJW has a network of regional offices and includes those in the following centres: London, Birmingham, Bristol, Wakefield, Manchester, Newcastle, Sheffield, Cardiff and Edinburgh.

About CTC

The UK’s national cyclists’ organisation has 66,000 members. It has been protecting and promoting the rights of cyclists since 1878 and is the largest cycling body in the UK. CTC is a not-for-profit organisation that is funded through its membership and donations. CTC provides a comprehensive range of services, advice, events, and protection for members and works to promote cycling by raising public and political awareness of its health, social and environmental benefits.

For more information about Russell Jones and Walker or this PR, please contact:

Gill Alexander

Russell Jones & Walker

50-52 Chancery Lane

London

WC2A 1HL

020 8332 9690

www.rjw.co.uk

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Related Personal Injury Specialists Press Releases

There is rising pressure facing the UK government to reduce the legal limit of alcohol consumption when driving. The current limit stands at 80mg per 100ml of blood which relates to approximately a pint and a half of medium strength lager for an average sized man. The proposed limit would bring it down to 50mg per 100ml of blood which is little more than half a pint or a large glass of wine which is in line with the European Union limit.

Current UK law states that anyone found driving over the legal limit faces an automatic 12 month driving ban but Sir Peter North QC is currently investigating the possibilities of introducing a second, lower penalty for anyone above the lower limit such as 6 points on a driving licence. Changes could also see prosecutions for drivers found with illegal drugs in their bloodstream, regardless of whether it impaired their performance.

According to Lord Adonis, the Transport Secretary, 430 people were killed as a result of drink driving last year however this figure only refers to people who were over the current legal limit. He also suggests drug-driving is a key concern for the public.

”Driving under the influence of alcohol or drugs still leads to a large number of deaths and serious injuries. The challenge is to see whether changes in the law and its processes can reduce casualties” Claimed Sir Peter.

Edmund King, president of the AA remarked that “the legal issue is more complex than the limit as a sliding scale of penalties could reduce the deterrent effect. There is a serious problem with drink drive repeat offenders with recent figures suggesting that almost a quarter of drink drivers have served a previous ban.”

But the proposals were condemned by Tony Payne, chief executive of the Federation of Licensed Victuallers Associations. “We will fight this very very strongly,” he said. “This will penalise responsible people because of the behaviour of some idiots.

Thousands of motorists are prosecuted every year for a drink driving offence but the punishments for speeding are far less despite it causing a significantly higher number of deaths each year.

The profession of legal offers a variety of roles which can provide a prosperous career, not all the solicitors in the completed a degree in law with 18.5% of a poll of 7000 saying they had a degree in another area and 23% moving from other careers. The industry is thriving and continuing to look for skills offered from a range of backgrounds and different countries.

For those without a Law Degree, the ‘Graduate Diploma in Law’ is the alternative way to qualify. Also known as the Common Professional Exam or a Law Conversion course, it allows graduates with a non-law degree to ‘convert’ their existing education with a one year course.

Once you have completed a law qualification of any sort including a law degree you will still need to complete a Legal Practice Course. The LPC is the final qualification to become a solicitor and is compulsory. It is designed to ensure trainee solicitors have the knowledge and skills they need. This course is offered all over the UK and takes one year full time. To be finally qualified as a solicitor you need to under take a two year ‘Training Contract’ which involves practice based training almost like an apprenticeship.

If you are a qualified solicitor within the EU then there is a range of rules you must follow if you wish to practice law within the UK. Otherwise EU member states are free to do business and offer legal services amongst themselves.

Qualified Solicitors from outside the EU who wish to practice Law in the UK must first get hold of a ‘Certificate of Eligibility’ from the Law Society of England and Wales and then sit the ‘Qualified Solicitors Test’. The QLT is a test which permits foreign solicitors to practice in the UK. To be considered for the QLT you must have over 2 years legal practice experience of which at least one year must have been gained by practising the law of England and Wales, supervised by a solicitor who has been admitted as a solicitor in England and Wales.

These tips are brought to you by Macclesfield solicitors Hague Lambert, who specialise in wills and conveyancing

Britain’s most lucrative speed camera has been named and shamed, and the local community is furious. It has emerged that a new speed camera erected on a road where there has been just one serious accident in over ten years, has netted over 1.3m pound in revenue from speeding motorists per year.

The controversial camera, which has been described as one of the most lucrative in Britain, has captured on average 1,843 motorists per month. And with the average fine for speeding 60, that equates to 1,327,140 each year.

The cameras location is Poole in Dorset on a 30mph section of road on a dual carriageway. The camera was initially erected to catch motorists jumping the red lights nearby; however the camera has since been converted to also trigger when motorists speed through the green light and is one of the first in the country to do so.

There has been only one serious accident on the road in over ten years, even so the camera was converted prompting fears from motoring groups that the camera was merely converted in order to ‘milk the motorist’ and catch unaware drivers who may only be going a mile or two above the limit. Furthermore, the 30mph limit on the stretch of road is said to be to low for a dual carriageway, with he limit on this type of road usually 40.

As a result of the cameras positions, the low speed limit and the fact it works regardless of green or red lights, drivers who thought they were driving legally have been caught travelling just a few miles over the limit. The road the camera is situated upon is a wide dual carriageway, with an industrial estate on one side, and a harbour on the other. The revenue generated by this one camera dwarfs the amount generated by other cameras, delivering evidence that something is seriously wrong with the setup.

This is not the only case of cameras earning vast numbers, In May this year a temporary speed Camera , situated on road works in Peterborough, issued an average of 3000 tickets per month, netting over 3.2m per year for the local council.

A driving solicitor can help with all aspects of the motoring law. With help woth Car accident claims contact Widdows Mason for expert help.

UK drivers have heavily criticised the government and authorities over the legality of many of their speed cameras. Although the devices are intended as a ‘deterrent’ from speeding to improve road safety, many dispute that they are simply intended as a revenue system for the government. speed cameras have generated over 100m in the UK In the past year alone.

Many consider traffic police and councils to be taking advantage of vague boundaries and there are many arguments against both fixed speed cameras and mobile units. Activists have also pointed out that new digital systems are open to tampering and citizens would have no leg to stand on when falsely accused.

Fixed cameras have been heavily criticized because of their placement and visibility to motorists; many cameras are intentionally located behind large street signs, trees or walls to remain invisible to motorists until it is too late. The law states that speed cameras MUST be in place as a visual deterrent and not an entrapment device which cannot be possible if they are obscured from view, this has caused significant complaints. If the speed limit is 40mph or less, they must be visible from 60m, 100m over 40mph.

The use of mobile speed cameras has been popular due to the flexibility and range of use they offer. Despite a strict set of rules and regulations, there is much proof that officers have been operating illegally to increase revenue. If a driver is caught speeding and believes the camera which spotted them was placed illegally they have no right to appeal unless they can provide evidence, although this is not at all a guarantee. Groups of individuals have taken to rebellion by collecting images of camera vans parked on pavements with double yellow lines, hidden around bends, in the way of pedestrians and blocking entrances to properties and posting them online in a fight against an unlawful use of entrapment.

Another technicality has been brought to light that since 1992, none of the 6000 speed cameras set up have had acquired the necessary parliamentary approval after a change in legislation. This could mean that virtually every single speeding ticket issue in the UK since 1992 could be illegal and all evidence collected on the roads could be dismissed.

If you feel you have been wrongly accused of speeding or simply disagree with the use of speed cameras and you want a speeding solicitor then visit Freemankeepondriving.com for the best speeding solicitors.

When it comes to road traffic accidents, the common thought is that men are the better drivers, although it’s worth noting that it’s predominantly men that state this fact; however a recent study has drawn some interesting conclusions. Some of the findings of this study suggest women drivers are more likely to have scrapes and bumps while men are more prone to head-on collisions, a survey has found.

Female motorists are more likely to put in claims for collisions on roundabouts and hitting cars from behind, a study of more than two million accidents by insurance company Diamond found.

As well as having head-on collisions, men are more likely to hit crash barriers and trees or drive up and down embankments.

The research found that women were more likely to collide with other vehicles from behind, and on roundabouts. Meanwhile, men are more likely to collide with trees and crash barriers, drive through floods, and into embankments.

Women suffer more than men from having their car broken into and having something taken from inside, while men are more likely to have their car stolen outright.

Diamond’s managing director Sian Lewis said: “Women tend to be in more accidents at slower speeds where cars are close together, while men have more high-speed accidents where it is easy to lose control.

“Our research suggests the way men and women drive is different. Possibly men drive faster and more aggressively than women, while women are more easily distracted than men behind the wheel of a car.”

She went on: “It’s very strange that men’s cars are more likely to catch fire than women’s. “I can’t explain why that would happen. But one reason why women are more likely to have their car broken into is perhaps because they’re more likely to leave expensive items, like their handbag or sunglasses, on show than men.

For expert motoring advice and Motoring solicitors, then visit Freeman Keep On Driving avoid a Drink Driving Conviction.

The ‘who’s to blame’ debate continues as the thirteenth anniversary of Princess Diana’s death approaches in August this year. The debate is still fresh in the mind, more so after the author of an fiery new book, John Morgan calls for another examination into the deaths of both Princess Diana and her boyfriend Dodi Fayed.

John Morgan, an investigative journalist and author claims that Henri Paul, the man branded as the drunk driver immediately after the crash and who is to this day held responsible for the accident was in reality, actually sober at the time. Mr. Morgan moved on to condemn the investigation into how the Princess died following the crash in the Alma tunnel in Paris on the 31st August 1997.

Mr. Morgan has reiterated his belief that last year’s hearing was tainted by errors and omissions following a widespread cover-up by the French authorities. He has also claimed to have unearthed some vital evidence that the inquest Jury back in 2009 was not given. The evidence is alleged to have been omitted from the earlier hearing, includes information from the two French doctors that where tasked with performing the post-mortem on Diana’s chauffeur, Henri Paul.

Henry Paul has been branded as the drunk driver behind the tragic deaths of both Princess Diana and Mohamed Al Fayed’s son, Dodi.

There are several noticeable inaccuracies of evidence including inconsistencies in conflicting blood samples, identification errors and evidence from key witnesses that are still to be documented, thirteen years after the incident. There is also the small matter of data that stems from documentary evidence of a second body.

The first book in the series, a 700 page document states that some of the evidence that points to Henri Paul being sober before the accident included CCTV footage and witness accounts from before they set off in the car moments before the crash that claim Henri Paul was most definitely not drunk.

To further compound the evidence DNA samples taken from Henri Paul after the accident had taken place have amazingly not been tested for surplus levels of alcohol. He also claims he has uncovered medical records to prove his theory that blood samples that were used to prove Henri Paul was up to three times above the drink drive limit actually came from the second body recovered at the scene.

The debate continues.

For expert motoring advice and driving offence solicitors, then visit Freeman Keep On Driving avoid a driving conviction and find road traffic solicitors.