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Property Rights : when unmarried couples separate

When married couples separate, most of the issues between them are resolved by family lawyers pursuant to family laws, such as the Matrimonial Causes Act 1973. Family laws, however, do not apply when unmarried couples separate.   One of the biggest issues for the separating unmarried couple is their interest in and right to occupy the home they had previously enjoyed as a couple.   Whether court proceedings are to be issued or not, the law relating to this issue is the Trusts [...]

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Nil rate band advice

Will your estate pay Inheritance Tax when you die? Will your beneficiaries suffer financially as a result of a large Inheritance Tax bill? Are you aware of the current Inheritance Tax thresholds?   We are sure that you do not want to leave your loved ones with a large Inheritance Tax bill when you are no longer around. Nor do you want to make the administration of your estate more complicated than necessary. At the present time if your estate is valued above £325,000.00 [...]

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Mental Health Awareness

Do you have the correct legal documents in place to support your family? In light of World Mental health day we want to highlight the importance of ensuring that your loved ones are protected. From being able to deal with your finances legally on your behalf to looking after your Estate when you are no longer around, having the correct legal documents in place is vital. Not only can bereavement trigger mental health issues but other factors including depression, anxiety and stress [...]

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Promoting Good Mental Health

Today Pepperells are supporting the World Mental Health Day. This means being aware of and promoting positive mental health, as well as recognising when we or people around us are struggling. As family lawyers, it is often said that we help our clients through some of the most stressful times in their lives, whether that be divorce, domestic abuse or child protection cases. With one in four people suffering from poor mental health in any given year, it’s not surprising [...]

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Why Creditors Should Take An Understanding Approach

Elvis Costello once famously asked “what’s so funny about peace, love and understanding?” and, whilst Mr Costello was obviously making a much larger social point, this question is very relevant to debt recovery – specifically the attitude adopted by creditors when trying to obtain payment of the outstanding balance due to them. It is very easy for creditors to slip into a mindset of “recovery at all costs”. Whilst this is an entirely understandable reaction – after all, the debtors [...]

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Late Payment of Commercial Debts (Interest) Act 1998 – what is it and when can it be applied?

In the current economic climate, the volume of invoices being paid late or, in some cases, not at all, is rising. Figures show that around two-thirds of all UK business has had to write off bad debt which has a clear knock-on effect on those businesses cash flow and profitability. Whilst not an all-encompassing solution to these issues, the Late Payment of Commercial Debts (Interest Act) 1998 (the Act) can help mitigate the impact of the late payment of [...]

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Why make a Trust?

It is often thought that the simplest way to leave the residue of your Estate is to a specific person outright. In fact, this may not give effect to your wishes and the use of a trust may be better placed to do so. There is a vast selection of trusts which are generally quite flexible to ensure that your property and assets are distributed as you wish. A Trust is where a group of people (the Trustees) hold your [...]

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Digital Assets on Death – What would happen to yours?

The majority of the population now have access to online accounts, whether it be smartphone, social media, music library or photographs. Where would you be without a photo or song to remind you of a particular time or memory? Some people invest a great deal of time and emotion into their music collection or photo library, but what would happen to it if you passed away? Its not something a lot of people want to discuss, but with technology becoming [...]

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Is your employment at risk due to staff cuts

Unfortunately, through no fault of your own, you may have found yourself in a position of being offered a sum of money to leave your employment, irrespective of your length of service of love for your career. Our first piece of advice is that this sum is negotiable, plus you should also receive notice pay on top. You may also have been provided with a lengthy document for signing, called a Settlement Agreement. A Settlement Agreement (previously known as a compromise [...]

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The Discount Rate in Clinical Negligence and Personal Injury Claims

Compensation in a clinical negligence or personal injury claim is to put an injured person back in the position they would have been had the accident/negligent treatment not occurred. For someone who has suffered life changing injuries, there can be many future losses for example loss of earnings and care needs. Where lump sum payments are made, the discount rate is applied to account for investment.   What is the discount rate? The discount rate is a multiplier used to adjust compensation for future [...]

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