Thursday 20 December 2012

Another year gone.


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What a year for sport. The 6 Nations in rugby culminated in Wales winning a Grand Slam (and then falling apart in the Autumn).

Ulster and Leinster played out the Final of the European Rugby Cup at Twickenham and Ulster lost. But I was there and what a great day that was.

However the Olympics and Paralympics proved to be the shining glory of our Summer. What a magnificent showpiece for British athletes, for athlets from all over the world, for sportsmanship and for the UK. It was great.

For me, however, the Ryder Cup fightback of Europe was the sporting higlight. It exemplified all that is great in sport. Dogged, determined ambition and belief. Sportsmanship from all participants. The crowd in fine voice yet friendly (overall). It was a great example to business. Effort, leadership, clear goals, energy, support and praise can result in dreams being realised.

IPP was abolished-sort of-in that it can't, from 3 December, be imposed upon someone convicted after that date. However it still exists as a punishment for those convicted before then and for those already sentenced to IPP. Hopefully the Parole Board will receive new regulations from the Secretary of State for Justice (who must be the worst person ever to occupy that role).

Chris Grayling is the wrong man at the wrong time. His attitudes are best reserved for the back benches. He is not a Statesman nor a leader. He is inept. He will be found out and replaced very soon.

Our business has gone through some changes. We lost and gained a conveyancer. We lost and gained some support staff. We lost and gained an accountant and gained a practice manger. Our business is growing and we have spent money on software to make the conveyancing experience better for our clients. We demand higher standards of work from our staff and ourselves and they are delivering.

Our prison law department is growing. We have undertaken more private client road traffic casework than before.

We are building a reputation in relation to high value divorce settlements through our involvement with Collaborative law and because we dont over-charge the client.

The future looks rosy.

I have had my usual run-ins with SRA and LeO. I find it hard to understand why people who claim to understand what it is like to be a Solicitor feel they must create more and more layers of bureaucracy just so one can do what one needs to do. It makes little sense. The problem is that neither the SRA nor the LeO are prepared to listen to me or Solicitors or The Law Society. The Legal Services Commission, however, is listening. What a refreshing change?!?

My hope for 2013 is that those Solicitors and others regulated by the SRA who cannot comply with the Code of Conduct are "struck off". I hope to see Solicitors jailed who have paid bribes to clients to entice them away from other Solicitors. I hope that the SRA will finally realise its limitations and empower local law societies to act as "Police Officers" or mini Courts or both to preserve the ethical standards of the profession. The SRA is a toothless, slow regulator which engenders little or no fear in those it regulates. The move to Outcome Focussed Regulation is perhaps the biggest mistake the SRA has made. It would also be nice to see The Law Society lead its members just as the Law Societies in Scotland have done over criminal legal aid contributions.

We wish you all a very Merry Christmas and a prosperous and peaceful New Year.

Tuesday 10 July 2012

John Terry

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It just goes to show what money can buy you. John Terry is charged with a minor public order offence. People charged with the offence can only have a trial in the Magistrates' Court. Obtaining legal aid is problematic. Only if one has the relevant lack of income and lack of capital would one pass the Means Test. If one is at risk of custody would one pass the Interests of Justice test. Therefore the ordinary employed person would have to represent himself or pay for legal representation.

Even then the ordinary person would only be able to pay for probably a one day trial-not 5 days.

Is it right that John Terry should be able to pay for a QC and a lengthy forensic examination by his lawyers of the case against him? Is it right that most other people don't get that level of Justice?

Why is Justice able to be bought?

Tuesday 26 June 2012

Emmersons offer to help Armed Forces Personnel

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Are you aware that 30th June 2012 is Armed Forces Day?  This is the day which has been targeted to raise awareness of the work undertaken by the men and women serving in our Armed Forces and the excellent job that they do. It is a great opportunity for members of the public to show their support for our troops. 

Emmersons Solicitors has always been a great supporter of our Armed Forces and since they opened for business 14 years ago have always strived to do all that they can to help service personnel and their families.  They often carry out work on a pro bono basis for service personnel who are unable to afford to pay their legal fees. “We often assist soldiers suffering with Post Traumatic Stress Disorder. I have dealt with some very young soldiers who have come into contact with the court system because they have lost control as a direct result of things they have witnessed in such places as Kuwait, Iraq and Afghanistan” says Michael Robinson, partner in the firm. 

When Emmersons opened their second office in Gosforth they took the opportunity to raise funds for SSAFA Forces Help . “Our launch evening for our Gosforth office was a great opportunity to bring together the SSAFA volunteers from the North East and local businesses. The volunteers give up a great deal of time to help existing and retired armed forces personnel. They are always looking for extra volunteers to help them” says Jacqueline Emmerson.

Emmersons connection with the Armed Forces continued with the appointment of Louise Flynn as a Family Law Solicitor. Louise was previously based at a firm at Catterick Garrison in North Yorkshire.  Working in the Garrison, she gained a wealth of experience dealing with Armed Forces divorces and dissolutions.  Through her experience she learned that the divorce rate in the forces appears to be higher than in civilian life.  There are several factors that impact on an armed forces divorce in a unique way.  Forces pensions and terminal grants are taken into account when dealing with the divorce, especially if the client is close to receiving the payments.  Housing needs for the family and contact arrangements tend to be at the forefront. 

“On this Armed Forces Day we will be thinking of the impact that being in the armed forces has on family life. We at Emmersons are supporting our forces. If any forces personnel require legal assistance during the next two weeks they should contact us to see if we can offer them free help” says Senior Partner  Jacqueline Emmerson who is also Honorary Solicitor for SSAFA Forces Help in the North East of England .

 Emmersons Solicitors are based at 52 John Street, Sunderland SR1 1QN and 145 High Street Gosforth NE3 1HA. For further information contact Jacqueline Emmerson on 0191 2846989, Michael Robinson on 0191 5676667 or e mail amrobinson@emmersons-solicitors.co.uk

Co-Operative Funeral Services on Channel 4's Despatches

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As a solicitor dealing with probate work I have often been shocked when I see funeral bills from the Co-op. When compared to independant funeral directors they seem to be nearly double the price. All was explained when I watched Despatches last night. Their undercover reporter showed the public the hardline selling tactics employed by the Co-op.

This links to the fact that some families who were using Co-operative funeral services were hararrssed by the Co-op into using their legal teams for the probate work. I have heard about one family who were contacted four times in the two weeks after the death of their relative. The calls were to pursuade them that they should use Co-operative legal services. This is shocking behaviour.

 My advice would be to use your local funeral director. In Newcastle upon Tyne I have had dealings with a very nice firm in Wideopen called Duckworth Funeral Directors. They were nearly half the price of the Co-Op. I am not on commission I just feel strongly that people ought to be aware of what is going on.

 Jacqueline Emmerson

Wednesday 13 June 2012

Emmersons Solicitors secures Law Society's Conveyancing quality mark

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Emmersons Solicitors with offices in John Street Sunderland and High Street, Gosforth has secured membership to the Law Society's Conveyancing Quality Scheme - the mark of excellence for the home buying process.



Emmersons Solicitors underwent rigorous assessment by the Law Society in order to secure CQS status, which marks the firm out as meeting high standards in the residential conveyancing process.



Law Society President John Wotton said that the Law Society introduced CQS to promote high standards in the home buying process.



“CQS improves efficiency with common, consistent standards and service levels and enables consumers to recognise practices that provide a quality residential conveyancing service.



"Buying a home is one of the largest purchases anyone will make in their lifetime, so it is essential that it is done to the highest standard by a solicitor. There are many different conveyancing service providers out there, making it difficult for home buyers to identify those which can ensure a safe and efficient level of service.”



Michael Robinson says: "Emmersons Solicitors is delighted to have secured CQS status. It is recognition of the high standards we provide to our residential property clients and is a signal to future home buyers of the excellent service level we provide at what is often a stressful time for many people.



“The award of CQS status to us reflects the dedication with which our Property Law Team work towards making the client’s journey through the property maze as easy and stress free as possible.  



“The overall beneficiaries will be clients who use Emmersons Solicitors when buying a home. They will receive a reliable, efficient, cost effective service as recognised by the CQS standard."



The scheme requires practices to undergo a strict assessment, compulsory training, self reporting, random audits and annual reviews in order to maintain CQS status. It is open only to members of the Law Society who meet the demanding standards set by the scheme and has the support of the Council of Mortgage Lenders, the Building Societies Association, Legal Ombudsman and the Association of British Insurers.







For more information on the Law Society's Conveyancing Quality Scheme visit www.lawsociety.org.uk/cqs



Tuesday 12 June 2012

Having spent some time away from the office, what joy it is to return!

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We went to London to see the Queen. Actually only my wife got to see her and the rest of the Royal Family on their "barge" as it floated down the Thames. We all saw Gloriana and the rest of the small boats. Next day we visited the Thames again and saw the tall ships at Tower Bridge and watched that Bridge open and close as ships passed through.

First day back had a long round trip to Hull to meet a client who has a Parole Board hearing soon. He is serving an IPP sentence. He is well over tariff and appears to have been set to one side by the system. Like a large number of prisoners serving IPP he is languishing in jail waiting for someone to confirm that his risk is assessed as low so he can be moved to Open Conditions. Thereafter a period of time will pass-perhaps 1-2 years-before he is released back into the community, subject to licence conditions for at least 10 years if not life. He can then be recalled at any time by Probation. Recall means he is arrested by the police and held in a police cell before being taken back to prison. Once recalled he may start an appeal process but most lilely he will remain in custody until he can show that he has learned his lesson and is again assessed as low risk.

Why so long in custody? (This particular client has served 3 times his tariff of two years) Because the courses do not exist to process IPP's more quickly and a one size fits all approach means that only recently his educational needs have been addressed. Why has it taken nearly six years to address the real, underlying problems?

Recall can be for an actual breach of the conditions imposed o the licence or for a perceived risk of breach.

IPP is costly and although it has been scrapped by LASPO it remains unreformed for those cutrrently serving an IPP. The Justice Secretary Ken Clarke QC is thinking about introducing regulations under LASPO about how IPP prisoners are processed by the system and assessed by Probation and prison staff. A major area of contention is the use of trainee psychologists to assess prisoners for dangerousness. Too much of what is written is subjective opinion as opposed to factual evidence. Opinion of an expert is fine but often the opinions expressed by trainee psychologists could not be said to be the opinions of experts givien the lack of experience and expertise of a trainee psychologist.

The Parole Board and prison staff and probation officers and everyone involved with IPPs is risk adverse. Any excuse to say "no" to a progressive move through the prison estate from Cat A or B, to C and then D (Open) and then Release on Licence is usually taken UNLESS there is no possible reason for saying "No".

Recall rates are high. Indeed recall is usually placing more prisoners back in prison than Magistrates and Judges are sending new prisoners. Probation Officers must be seen to be tough and cannot take a risk. Imagine if a person committed a minor breach of the licence conditions and then went on to commit a crime? What would the papers say? Who would be blamed? Better to recall to prison for a minor breach and then argue for a release. This happens too often. The Probation Officer plays Prosecutor and Advocate at the same time.

It is also true to say that a prisoner who has the beneft of expert prison law advice is usually going to get through the IPP sentence quicker. This is because the expert advice is usually what the prisoner does not want to hear-that IPP is a life snetnec, that progress is achieved through acquiescence and through displaying to everyone in the prsion system that one has learned the lessons that the courses offer. A prisoner serving a determinate sentence can do whatever he/she likes and will be released (subject to recall, perhaps). The IPP prisoner does not have that luxury. Maintaining innocence is the biggest mistake an IPP prisoner can make. Unfortunately there are support groups and "experts" willing to support those maintaining their innocence. It is an easy thing to do if serving a determinate sentence-but for an IPP it is a disaster.

The biggest mistake to make is to assume that discrepancies in the evdience of witnesses is a major flaw in the prosecution case. Surely if one witness says one thing and another says a similar thing but inconsistent to another witness that must mean that the defendant is innocent and any conviction is appellable? Wrong. Grounds for appeal are limited. A Jury has heard all the evidence and convicted the defendant. This is not to say that innocent people are not convicted of crimes that they have not committed. It is to say that maintaining innocence and seeking a route to appeal is a sure fire way of spending longer in jail than is necessary. It depends, I suppose, on what matters to each individual. I have represented people who have, according to them, never committed any of the offences of which they have been convicted and who are unlucky enough to have been accused of similar offences by unrelated complainants over a period of time.

I have also represented those who have been falsely accused. They have not been convicted. Most have not been charged. The good work in relation to such cases starts in the Police Station and in how one communicates with teh Police. Too many people try to undertake this work themselves "because they are innocent" and then seek advice when charged.

However, over 20 years, I can honestly say that I have not represented one person who was not convicted of an offence or who did not plead guilty to an offence that they had in my view committed. Some have reluctantly, and upon advice, pleaded guilty when they have disputed the accuracy of the evidence by undertaking the minutiae analysis of what each witness has had to say described above without being able to view the big picture. It is a bit like being able to analyse spelling mistakes in a sentence or phrase whilst ignoring the author's message. The meaning is clear.

"FUR GOOD SEW LURVED THE WOLD THAT SHE GIVE HIS ONLY FORGOTTEN SUN".

Family and friends usually join in the denial cycle because they too can't or won't see the big picture. Ultimately the prisoner suffers by staying in custody for far too long "to prove a point". What point? Being innocent is one thing. Maintaining innocence after conviction quite another thing.

We are robust at making the Crown disclose the evidence it has and in seeking out further evidence. I am quite happy to advance a defence which is in fact a defence. We robustly defend each and every client's case. We use experts in forensic analysis and in investigation to explore every raesonable possibility.

But we also give realistic advice. Clients decide to plead guilty and they are given time to think about what they want to do. Some choose to have a trial. That is the right of every defendant, however a person convicted after trial serves longer in jail than a person who pleads guilty and a person who maintains his innocence and is subject to life sentence will remain in custody for a very long time.

Wednesday 23 May 2012

The future is anything but bright

Share |There is a lot of excitement in the legal world at the minute over issues which do not directly affect those outside it but which may do in the future.

The first is whether Pro Bono work should help fill the gap left by Government cuts to legal aid. The President of the Law Society and others have suggested that the answer is "yes". Those of us who have worked in legal aid for years get either angry or cynical when City lawyers talk about the Pro Bono work they do. One firm suggests its lawyers should do 14 hours each year. For legal aid lawyers pro bono ie doing work for the good of one's fellow man or woman or child for no remuneration is a daily event.

The other issue is the Trainee Solicitor minimum salary and associated to that is education of law students and trainee Solicitors. The minimum salary is an impediment to a legal aid firm employing a trainee unless that trainee is already qualified in some way to undertake work, appear at Court in family cases or go to a Police Station. For a legal aid firm trainees are very expensive and only if they are able and willing to do more than shadow an experienced Solicitor and do research will a legal aid firm be able to afford to employ them.

In larger firms potential trainees are employed as paralegals in the hope of getting a training contract. This has lead to employer abuse of power and dreams of trainees becoming nightmares.

There are too many people qualifying from Law School with Legal Practice Course qualifications looking for training contracts.

In Northern Ireland a system of apprenticeships exists which means that those who spend money on the Northern Ireland equivalent of the LPC are guaranteed a job. Training is on the job and at college by way of block release. Trainee Solicitors are Apprentices. This system could work here in England and Wales.

There is a system of "apprenticeship" available through the Chartered Institute of Legal Executives can result in qualifying as a Solicitor. It takes time. It involves academic testing. You can earn as you learn.

So what? Pro Bono encourages the government to cut more. If Solicitors and barristers fill the gap then there is no gap for the poor and the vulnerable to fall through. This means that the Government can say it was right to cut legal aid because actually it was not needed. Ultimately the poor and vulnerable suffer. Firms move away from legal aid because Pro Bono doesn't pay the rent. Thus creating an even bigger gap.

Unless legal education is reformed to make it acceptable to legal aid firms to employ trainees or apprentices there will be fewer legal aid solicitors. In an already grey market young blood is hard to find. The poor and vulnerable will lose out again.

Saturday 12 May 2012

Exciting news at end of April

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More exciting news from Emmersons.

John Griffith, formerly of Michael Purdon and Co, Newcastle upon Tyne, is now employed at Emmersons as a Prison Law Solicitor and Supervisor.

We have made progress since we started offering advice and representation in Prison Law and now believe that we have a settled and experienced team who can deliver first rate advice and representation throughout Great Britain.

You can contact John at john@emmersons-solicitors.co.uk or by phoning 01915676667.



So who does own our love nest?

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As Emmersons Solicitors deals with property law and family law we have cases that crop up that often cover both areas. People often assume that as they put money into a house they must own it, others assume just because they live in a house that they must have a legal interest in it. Two recent cases highlight the complexity.

In the first case David and Billy had bought a house together. However, they were short of money for their deposit so Billy’s father gave them a lump sum to help with the purchase. The couple were about to split up and the question arose as to how much money each of them was entitled to from the sale of the house. Billy said that his father would need his money back first. What we needed to consider was whether or not Billy’s father had an interest in the property, had he meant to loan the couple the money or was it a gift to the two of them? Was he on the title deeds as being an owner, was his share of the property specified in a trust deed? Neither Billy nor David had a clue, and this is often the case.

If your parents are giving you money as a deposit for a house all of the above should be considered. If a dispute arises over the issue then ultimately, in this case, Billy’s father would have to become a third party in court proceedings. The cost of the proceedings in many cases could be more than the money given/loaned in the first instance.

If money is to be repaid then a trust deed should be set up showing this and the fact should be registered at the Land Registry as part of the initial Conveyancing process.

However, the solicitor helping the purchasers would need to be made aware of this at the time. This would protect the parent making the loan, especially if one of the parties died before the money was repaid or was declared bankrupt.

This leads me on to the next case. John and Sally, who had both been married before, were going to buy a house together using the proceeds of sale from their previous properties. However, John’s house didn’t sell fast enough and so Sally bought the house in her name only. Later when John’s house was sold he put all of his sale proceeds into the new house. However, he discovered that it was going to cost about £500.00 to have his name added onto the title deeds. He thought this was expensive and so left matters. Fast forward ten years and Sally was declared bankrupt. The Trustee in Bankruptcy declared an interest in the whole property. John was left with legal fees of well over £500.00 to persuade the Trustee that he had a 50% interest in the property. Fortunately for him he was able to provide an audit trail showing that he had used his money to reduce the mortgage and so could prove an interest in the property.

If you think that the legal ownership of your home needs to be reconsidered then don’t wait ten years, seek help now.
   

Monday 16 April 2012

Exciting news at end of April

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More exciting news from Emmersons on 30 April 2012. It just gets better and better!!   

Why on earth would you wish to pay for a PPI claim?

Share | You dont have to. All you have to do is:-
1 Check with your bank, mortgage company and credit card company if you have paid for Payment Protection Insurance.
2 If you have and it doesn't apply to you then tell the relevant institution you wish to claim it back.  
3 If the financial institution mess you about then complain in writing to them and to the FSA http://www.fsa.gov.uk/pages/consumerinformation/if_things_go_wrong/who_to_complain_to_1-2-3/index.shtml
The FSA gives guidance on use of CMCs (Claims Management Companies) here

“You are right. It is draconian.” POCA


Wise words uttered to me by a client who was embroiled in the final stages of the POCA process. He had been convicted of possession with intent to supply and at the end of his trial the Judge considered confiscation.

As my client had committed a lifestyle offence the Financial Investigator (usually either an accountant or former Police Officer specifically trained to be an FI) was entitled to ask for information about and to look into all transactions, accounts, dealings etc going back 6 years from the date of the offence.

A section 18 POCA 2002 had been ordered. That compelled my client to disclose full details in accordance with a Court Order about all bank accounts, all possessions, all cash that he had in his possession or control or had given to others. Failure to comply with this request can lead to an adverse inference being drawn when the Court considers how much has to be paid to the State and how much time you will do if you don’t pay up.

The FI then drafts a s16 POCA2002 Statement of Information which is in reality a huge fishing net. The FI’s role appears to be to seek out and find as much money as possible that can be confiscated. This then causes the Defendant to respond by way of a s17 POCA2002 Statement explaining the who, what, where, why, when and how about the money and possessions. This statement is a sworn statement and therefore if it contains deliberately lies can of itself result in a conviction for Perverting the Course of Justice.

There are certain aspects of the process thereafter which are patently unfair. Let’s imagine that you and your partner own a house together. Because you are a lovely man you have gifted 50% interest in that property to your partner. The FI and the Court are able to take the entire value of the property into account. Your partner is not a party to the proceedings. She can only intervene if there is a Restraining Order or if enforcement proceedings are to be taken through a Receiver. Receiver’s are rarely appointed as they are expensive. What can your partner do?

After some time the Court will then decide how much you should have to pay to the State. The Court will consider the Benefit you have had and the Recoverable Assets. If the RA figure is lower than the Benefit figure then that is how much you will be ordered to pay ie the lower figure.

One client recently thanked his lucky stars that he had not married his partner of 30 years and she owned their home in her sole name. He had no legal interest in that property. The value of that property was removed from the calculation and the State got about £900 instead of £90000. The FI had assumed they were married because she had adopted the client’s surname.

The Police and the Courts are very enthusiastic about POCA because the money recovered is used in part to fund the Police and the Courts. That’s why the FI is often characterised as a “dog with a bone”.

If you don’t pay up you get time added to your sentence and you still owe the money when you are released.

The most difficult thing for Defendants to get to grips with is the fact that the POCA proceedings are civil in nature (so the strict rules of evidence of a criminal trial do not apply) yet can be punished through custody and the Act places obligations upon the Defendant to be pro active and to provide information or suffer the consequences eg loss of home, car, cash and extra jail time.

POCA is draconian and either this year or next the National Crime Agency, when it comes into being, will take over the Serious Organised Crime Agency functions. POCA is a popular weapon in the armoury of those who pursue criminals because it is draconian and because it brings in money to the organisation. Recently SOCA on its website trumpeted a success in relation to a £35 million money laundering operation and the conviction of the two men accused of running it. Now the POCA process is to begin.

If you are likely to face a POCA process then you need to get advice as soon as possible.

Michael Robinson

Wednesday 28 March 2012

What has your choice of Solicitor got to do with HSBC?

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You want to buy a house. You go and see your lender and arrange a mortgage. You go and choose a Solicitor. The lender tells the Solicitor that funds are available. You buy your house. Simple!!

Not quite. First of all did you know that your Solicitor is also acting for the lender. Your Solicitor has obligations and duties owed to the lender in relation to the amount of money borrowed and the security that the property offers.

Many lenders operate a panel system which involves allowing only certain firms to undertake work on behalf of the borrower and the bank-or the borrower pays twice-for the bank's solicitors and for their own.

HSBC operates a panel of 43 throughout Great Britain. The panel is orgainised by Countrywide-a firm of licensed conveyancers.

The lie told by HSBC to customers who query when offered a loan why they cant use their own Solicitor is to be told that they can and that things should move along a lot easier as HSBC's legal advisers will be doing most of the work anyway. This is not true. It is not true that most of the work is done by HSBC's legal advisers and it is not true that HSBC's insistence on this process doesn't cause delay.

Stories about this have appeared in the Guardian and Which?, The Consumer Group  havs also raised concerns.

The Law Society Gazette has covered the story but the truth is HSBC don't really give a damn about the lender. The only public comment was the press release about the launch.

Campaigning against this unnecessary restriction on choice is the Bold Group which has started an epetition.

Why does it matter? If you wish to call in to see your Solicitor you will have to travel a fair distance to see them. You will only be able to meet face-to-face if you happen to live near one of HSBC's panel firms or you are willing to travel. Otheriwse its the telepehone or email or maybe an internet portal so you can review the progress. If this method of working suits you then fine. But many people prefer to be able to call in and see their Solicitor and HSBC's system takes away that choice.

There are plenty of alternatives to HSBC if you wish to take out a mortgage to buy a property.

Tuesday 17 January 2012

Of course the house is insured...what could go wrong!!

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Jacqueline Emmerson, Senior Partner at Emmersons delivers a timely warning for Executors of a will-and to others with responsibility for someone else's property.



As a solicitor dealing with Probate and Lasting  Powers of Attorney I have noticed that

Increasingly  properties are not insured. This can of  course lead to disastrous consequences.



 In one case recently, a man had died and his son  asked me to deal with the probate in respect of

 the estate. As part of my usual enquiries I wanted  to know with whom the deceased’s house

 was insured. After searching through mountains  of paperwork my client came to the conclusion

 that the property was uninsured.



He decided that as it was in a fairly safe area and that as the contents of the property were

of little value it was pointless paying for expensive insurance. Unfortunately there was

then a leak from the property which caused considerable damage to

 the neighbouring house.



Of course the first thing that the neighbour wanted to know was who

 was insuring the empty property because he  wanted to make a claim.



 In another case, a client was managing a property  on behalf of an elderly relative who was living

 in a care home. The property needed tidying up  before it was placed on the market for sale. We

 did discuss the issue of insurance. However, as  empty property insurance is quite expensive and

 as this property was to be placed on the market  within a month my client decided not to insure

 the same. The day before the property went to  auction vandals started a fire and the roof and

 walls suffered serious damage!



If you are managing a property on behalf of an elderly relative, especially if you are their

Attorney, then you must manage it with all due diligence. In the two cases above consideration

was given to insuring the properties. The clients in question made their decisions having weighed

up all relevant factors. Neither had foreseen the consequences that ensued.

 

"You should deal with house insurance on an urgent basis if you are dealing with a probate or if the owner has had to go into a home."



Many insurance companies will extend existing insurance for a number of months as long as the

property is inspected on a regular basis and all water supplies are switched off. It can be more

difficult to obtain insurance when there has been none. Some companies insist on window locks

being fitted to all downstairs windows and five lever mortice locks on doors. Many well-known

insurers will not deal with empty property insurance. We have managed to find some specialist

brokers who will offer this service though for some reason will not deal with our clients

directly. Instead they ask us to deal with them on behalf of our clients.



 If you have insurance please make sure that you  print off your policy and keep it with your copy

 will. It is often difficult to find out which policies  a deceased person, or someone with a mental

 incapacity has if they bought them online. If you  are helping an elderly relative please make sure

 that their property is insured.



 A related topic is the matter of door keys. If someone has recently died or had to go into a

 home you should consider changing the locks  to their property as a matter of urgency. If you

 are an executor of an estate or an Attorney for  someone then you have a responsibility either to

 the beneficiaries or the owner of the property  to protect their interest.