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With increasing media attention being given to ‘Horror Stories’ about Inheritance Tax and nursing home fees, it is no wonder that Brits are becoming increasingly concerned about losing the assets they have worked hard for all their lives.

Transferring your property to your children, placing the property in trust or creating a ‘family trust’ can sometimes be helpful, however in the majority of cases it could land you with a large tax bill, usually capital gains tax. It is important to remember that you lose all control over the property.  For example, you may transfer your property to a child only to find that they become bankrupt or divorced, if this happens your home may be sold as part of the bankruptcy or divorce. 

The regulations regarding nursing home fees are very broad.  If your intention is to avoid nursing home fees, the local authority has the power to ignore the transfer or trust you have created.

Given the above and the fact the cost of setting up the unnecessary trust can run into thousands of pounds, it is vital that you take advice from a solicitor or accountant before entering into these schemes.

Please be aware that solicitors cannot under strict regulations cold call you, only salesmen will. If in doubt you can check on the Law Society’s website.

Please contact Jan, Donna or Katherine for further information.

Stella Dyer having devoted over 35 years to Howard and Over first as a trainee and the last 28 years as a partner has now retired to follow other interests. Stella together with her husband John will be setting off in September to sail around the world. The partners are sorry to see Stella go but wish her well in her new venture

Providing Certainty In Difficult Times - Relatives of people who are missing and are assumed dead will be able to apply for presumption of death certificates from 1 October 2014, following implementation of remaining provisions of the Presumption of Death Act 2013. The certificates will be the equivalent of death certificates, creating a simpler legal framework for families to deal with their relative's legal and financial affairs, with the creation of the scheme bringing England and Wales into line with existing schemes in Scotland and Northern Ireland.

Byte Back - Cyber-bullying - 
According to a recent survey 20,000 people were investigated for cyber-bullying in the last three years. However, there is likely to be a great deal more unreported cases in the workplace.

How could employers be liable for cyber-bullying? 
There are requirements under the Health & Safety legislation for the employer to provide a safe place of work. Cyber-bullying could compromise a safe workplace resulting in a personal injury claim. 
Under the Protection from Harassment Act 1997 employers can be vicariously liable for the acts of one of their employees in bullying another online. 
Employers could face claims of constructive dismissal if an employee's grievance against a cyber-bully is not dealt with.
The the cyber-bullying relates to a protected characteristic under the Equality Act 2010 (i.e. age, sex, race, disability, sexual orientation, religion or belief, etc) then it may amount to harassment and a claim of unlawful discrimination even if the victim does not hold that characteristic.

How can employers defend themselves?
Employers need well thought out, transparent and fair policies on social media, bullying and harassment. They should be tailored to the specific organisation and working environment. Training should be provided on the policies. If there is a proven breach then the employer should act in a proportionate and consistent manner.

If in doubt seek legal advice.

Howard & Over Solicitors are proud to support Armed Forces Legal Action. This scheme offers a 15% discount on specified legal areas for members of HM Armed Forces. Full details of the scheme and our listing can be found at -

Football's Coming Home - Absence and Issues during World Cup 2014 - 
The football World Cup 2014 commences on 12th June 2014 in Brazil. The first England game is scheduled for 14th June. Employers will face demands for time off or an ability to follow the games whilst at work. How should you deal with them?

Annual Leave Requests - employers should be consistent and fair in dealing with requests. Either a "First come, first served" basis or a rota should be employed. However, care should be taken to avoid discrimination on grounds of sex, race or any other protected characteristic under the Equality Act 2010. If employees have insufficient leave then unpaid leave could be granted at the employee's discretion.

Watching Whilst At Work - employers could allow staff to watch the game on a TV at work (if there is a licence) or follow the game on the internet during breaks, after work or in the background. The employer should emphasise that any abuse, e.g. racist behaviour, or significant disruption to work would lead to the privilege being withdrawn and, dependent on the level of abuse and an investigation, possible disciplinary action. Unless an authorised works event, alcohol should be expressly forbidden with disciplinary proceedings for any breach.

Absent Without Leave? - refusal of leave may result in an employee taking a "sickie" to watch the game. Current case law allows employees to re-categorise holiday as "sickness" and reclaim the holiday entitlement. However, careful legal advice should be sought before acting. Employers should be slow to rush to a negative conclusion. A proper and fair investigation should follow in the shape of a return to work interview with the production of medical evidence.

We can all enjoy this sporting event and employers can, if carefully handled, minimise impact on the business and maintain, as well as foster, staff goodwill. If there is a potential issue take timely legal advice before acting.

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But taking Legal Action can be Expensive

There are various ways of funding your case. You may already have legal expenses cover through your household or motor insurers and this may meet the cost of pursuing your claim. Alternatively if you are a member of a Trade Union they may be prepared to fund your case.

If you do not have any of the above you can pay the legal costs yourself as the case progresses. However most of our clients prefer to fund the case by way of a Conditional Fee Agreement, often known as a "no win no fee" agreement.

No Win, No Fee

We can look at dealing with your personal injury cases under a Conditional Fee Agreement. This means that if you win your case you must pay our costs but you should be able to get the majority of your costs paid by your opponents. If you lose, you pay nothing.

We recommend that the agreement is backed by insurance and our Personal Injury Specialist will discuss this with you in more detail during your first appointment.

What next?

We would be pleased to discuss any possible claim with you. If your claim has a reasonable chance of success we will be happy to represent you and we will guide you through the whole process.

We have offices in Devonport, Plymstock and Ivybridge and we are happy to see you at the office which is most convenient to you.

In the event that you cannot travel to one of our offices due to your injuries we may be able to visit you at home.

Is there anything I need to worry about before putting my business premises on the market?

Yes, unfortunately there are quite a few things you need to consider before placing your business on the open market if you hope to achieve a successful sale. Some requirements, like the Energy Performance Certificate, are needed before any businesses premises can even be marketed. But there are other matters, which most small business owners do not discover until the transaction is all ready underway, leading to unfortunate and avoidable delays. For example:

a. Apportionments – How are you going to apportion the sale e.g. between Goodwill, Property and Fixtures and Fittings? This should be considered carefully as the apportionment will have Tax consequences.

b. Asbestos Survey – this is a legal requirement under the Control of Asbestos at Work Regulations 2002. A lot of small businesses owners are unaware of the obligation until a potential buyer’s solicitors ask to see the report.

c. Fire Risk Assessment – this is also a legal obligation that some business owners are not aware of until it threatens to slow down a transaction.

Even when a buyer has been found there are certain matters which should be considered right at the start of the transaction to prevent delay. For example:

Planning Permission – what if your potential buyer intends to change the use of the premises? It can take at least eight weeks to obtain planning consent for change of use, and in a buyer’s market this is as much of a concern for the seller as it is for the buyer and could result in the transaction falling through. These matters should be discussed right at the start of a transaction. 

I’m entering into a new lease of business premises, what are the things I need to look out for?

There are lots of important aspects to a business lease that may not come to light until some years after the transaction has completed, and when the consequences could have a severe impact on your business, some of these are as follows:

a. Rent – you need to check if VAT is included or excluded, the frequency and type of rent reviews. Is there any rent-free period? Is a rent deposit required?

b. Term – is it suitable for your business needs? If it is too short, you may find you’re forced to look for new business premises. If you have just started a new business venture, you may not be ready to tie yourself to a long-term liability.

c. Break Clauses – who is the break clause in favour of? It may be in favour of the Landlord and what appeared to be a ten-year term could be terminated after only three years.

d. Assignment – Can you assign the lease, and if so are there any conditions? e.g. Do you need to sign a personal guarantee? Do you need the Landlord’s consent?

e. Repairing/Insuring – who is responsible and how extensive are the obligations? You do not want to find yourselves entering into a lease of a premises which is in a poor state of repair, to find yourself with the inconvenience and expense of extensive remedial work because of your repairing obligations or a failure to agree a Schedule of Condition.

Note: This analysis may contain information of general interest about current legal issues, but does not give legal advice.

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