GHP Insights

News, Q&As and Press Releases From Our Team

Q&A - What is the difference between a Corporate and Personal reference?

Q:  I have been asked to supply a reference for a former employee. Can you tell me, what is the difference between a corporate reference and a personal reference?

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Q&A - Mother cannot manage her affairs or sign cheques for bills

Q:  My elderly mother has been diagnosed with Alzheimer's Disease and has recently been admitted into a local Care Home. Her condition has progressed to the stage where she can no longer sign cheques so I went to the bank to see what I should do. They said they required a Power of Attorney before they would give me any information.  I am worried because my mother owns a house and I cannot pay any bills in relation to this without access to her account. Should I ask a solicitor to prepare a Power of Attorney for my mother?.

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Q&A - Uncle won't vacate house so that we can finalise grandfather's estate

Q:  My husband and I are named as executors in my late grandfather's will. Apart from a few specific legacies the only remaining asset of his estate was his mortgage free house. The residuary estate was left equally to his 3 surviving children (my two uncles and an aunt). One of my uncles was living with my grandfather. Now he refuses to leave, saying he is unemployed and has nowhere to go. He is also being obstructive, refusing us access to carry out repairs or market the property for sale so that we can finalise the estate. He has not sought to challenge any of the provisions under my grandfathers will and whilst we believed everything would be amicable and he would move out when necessary, this does not now look to be the case. What can we do?

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Q&A - Can casual gardener sue me for accident sustained using my tools?

Q:  At the beginning of the summer I engaged a local odd job man to cut my hedges. I thought it would make it easier for him if he used my electric hedge-cutters and also my ladders. Unfortunately, however, the ground was uneven and the hedge-cutter was heavier than he was used to. As a result, when he reached across he lost his balance, the ladder toppled over and the hedge-cutter sliced into two of his fingers. I took him straight to hospital where they stitched the fingers. Now he is threatening to sue me for compensation because he has no feeling in the fingers and says he cannot work. Can he really do this?

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Q&A - If I buy a franchise what happens to it if I die or become incapacitated?

Q: I am in my mid-fifties and have been made redundant. I worked for the company for thirty years and got a good redundancy package so I am thinking of buying a franchise with my wife. Would I be able to pass the business on to my son in my Will and appoint him to run it if I become incapacitated - because my wife wouldn't be able to run a business on her own.

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Q&A - Can I set up a new company with a similar name after liquidation?

Q:  I am a director of a company that is struggling financially. A creditors' meeting is due to take place next week to liquidate it. Could I set up a new company afterwards with a similar name?

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Q&A - Can I get an Agricultural Occupancy Condition removed from farm cottage?

Q:  I am a farmer. A few years ago I diversified, which meant I needed less workers and a cottage on the farm was left vacant. When my son, who chose a different career, got married twelve years ago, he and his wife moved into the cottage. Now they are moving to a different part of the country and I would like to sell the cottage to fund my retirement. Is there a way I can get the Agricultural Condition removed to increase its value?Occupancy

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Q&A - House has no building regulations approval - should I proceed with purchase?

Q:  I put in an offer on a repossessed house. It was accepted by the mortgaging bank and searches were started which turned up a query relating to building work done on the property several years ago, for which building regulations approval was never granted. The estate agent says it all looks OK but I am not sure whether to proceed with the sale. Can you advise?

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Q&A - Can we sell off the Granny flat which is part of our house?

Q: We converted the top floor of our Victorian terraced house into a self-contained "granny flat" with its own entrance, for my widowed mother. The flat is a separate dwelling for Council Tax. Now that Mother has gone into long-term care and our children are at university, the flat is empty. We don't want the fuss of being landlords and responsible for repairs. Instead we wondered if we could we simply sell off the flat; and, as long as we keep paying the mortgage, is there really any need for us to go through all the paperwork and hassle of getting permission from the bank?

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Q&A - Can employer of 13 years get away with 4 year redundancy pay-out?

Q:  I have worked my employer for 13 years and 4 years ago I was asked to move departments. Last week we were all told we could apply for voluntary redundancy in accordance with funding cuts. I applied and worked out my redundancy package based on my 13 years employment. My application was accepted but the pay-off details stated that I only received a payment based on the last 4 years. I queried this and was told that my contract changed when I moved departments and that is all I am entitled to. Is this correct? .

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