Personal guarantees for a company: when consumer status may be in question
How consumer status is assessed for someone guaranteeing a business debt, and why the purpose and links with the company matter.
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Business loans: reviewing interest, fees and maturity
What to review in a business loan: contract, statements, fees, interest and maturity. Differences from consumer protection.
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How to prepare a complaint to a bank on behalf of a business
Organising a business banking complaint: facts, contract, statements, proof of submission and review of the applicable route and time limit.
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Road traffic accident: how to claim and assess the insurer’s offer
What to gather after an accident and how to review an insurer’s offer. Differences between a claim, a reasoned response and compensation payment.
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Road traffic compensation scales: injury days, permanent consequences and required documents
How temporary injuries, permanent consequences and financial losses differ in road traffic claims, and which documents an individual assessment needs.
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Accident as a pedestrian or passenger: which evidence to keep
Evidence to keep as an injured pedestrian or passenger: accident details, medical reports, expenses and communications to prepare a claim.
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Dismissal letter: what to review and how to protect the time limit for challenging it
What to review on receiving a dismissal letter, how to protect the time limit for challenging it and why an appointment or informal reply does not suspend it.
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Final pay settlement and termination compensation: differences when employment ends
How final pay settlements differ from termination compensation, what to review and why a signature’s effect depends on the document and circumstances.
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Unpaid wages: documents and steps for preparing a claim
How to organise payslips, payments and outstanding amounts to claim wages, and what to review about each monthly payment’s time limit and available procedures.
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