GHP Insights

News, Q&As and Press Releases From Our Team

Q&A - Should I pay for a bad decorating job, or can I withhold payment?

Q:    I arranged for my house to be completely decorated inside and out whilst I stayed with my daughter who is in my COVID bubble. I listed everything I wanted doing and all the paint colours before the decorator quoted. On my return home, I found his workmanship poor, he had painted the ceilings white instead of doing them the same colour as the walls, and he had used gloss on the woodwork when I had specified eggshell.

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Q&A - Do I have to use the solicitor my insurance company appoints to handle my injury claim?

Q:    I am claiming compensation for injuries sustained in a car accident that was not my fault. My injuries are not being disputed but the insurance company has instructed a solicitor who is based miles away to handle my claim. With the COVID restrictions this means there is no chance of him or her ever seeing me and my injuries. I find this extremely worrying as the appointed solicitor will not have a first-hand opportunity to see how bad I am and may therefore not get me the best deal. So, my question is: do I have to go with that solicitor, or can I request to have a solicitor to handle my case who is based nearer to where I live?

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Q&A - Should my partner accept a Part 36 Offer for injury compensation?

Q:    My partner was crossing a road at a set of traffic lights on her way to work when she was clipped by a delivery lorry trying to beat the lights. She sustained bruising, a dislocated shoulder and also a badly broken leg. The lorry driver admitted liability and my partner subsequently put in a claim for injury compensation. She has now received a ‘Part 36 Offer’ which we do not really understand. Please can you explain what a Part6 36 Offer is, and whether or not she should accept it?

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Q&A - I must leave disabled wife for sake of my own health. Is divorce the best route?

Q:    My wife has several life-limiting health conditions. I have been her main carer for three years, along with support provided on a rota basis. I also look after our two children. Following a stroke my wife became violent and abusive and the situation is now untenable. I have dangerously high blood pressure, psoriasis and have recently contemplated suicide. Harsh as it may seem, I cannot go on and have taken the heartbreaking decision to leave her. Our marriage is over. The big question is should I start divorce proceedings. I need the best outcome for us all.

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Q&A - What is the best way to deal with business debts built up during the COVID pandemic?

Q:    When the COVID pandemic hit we never thought it would turn into a year-long crisis. We understood that some of our regular customers might have a cash flow problem, and as we were in a healthy financial position at the start of it, we were happy to give them credit. Now the situation is different, and we are experiencing a cashflow problem ourselves. Time to call in the debts we are owed but, so far, our ‘nice’ letters are producing few results. We have two clients who owe substantial amounts and who we fear may go under. What is the best way to deal with these debts?

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Q&A - Can we make a public school personal injury claim for son‘s 2019 rugby accident?

Q:    Our son suffered a leg injury in 2019 playing rugby at his boarding school. The sports master made him play on despite being in pain. When my son still complained of pain a week later, the master told him to ‘man up’.

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Q&A - I was knocked off my bike by an uninsured driver. How can I get compensation?

Q: Last year I took up cycling. I got myself kitted out with a brand-new road bike, a new helmet and a GPS, but whenI was out cycling one day a red Mercedes started tailgating me. The driver pulled out to overtake but did not leave enough room and hit me, knocking me off my bike. The driver raced away and left me lying in the road. The Police have traced the driver and it transpires he had no insurance. He is being prosecuted for driving without due care and driving without insurance, but where does that leave me?

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Q&A - Can Mum claim against the council after tripping on a broken paving slab?

Q:    Rushing for the bus a few weeks ago, my mum tripped on a raised paving slab that had partially dislodged. She ended up with a broken wrist that needed pinning and hurt her back. As a result, she has not been able to work and as she is on a zero hours’ contract which means she does not get paid. Can she claim compensation from the local authority?

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Q&A - How do I record that I do not want treatment if my quality of life is gone?

Q:    Watching people on TV who caught COVID-19, lying helplessly in hospital beds and in some cases destined to die, has made me consider whether in dire circumstances I would want to be kept alive. I am 93 and would not want to carry on if my quality of life was taken away. Can I register my wishes now in respect of how I would want to be treated in case I am unable to voice my wishes when the time comes?

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Q&A - Surveyor we engaged failed to pick up defects on house we purchased. What should we do?

Q:    Despite asking for our house purchase to be rushed through to take advantage of the COVID stamp duty holiday, we took the time to get a full structural survey done as we were cash buyers with no lender’s survey being done. Now we are in the property and a builder engaged to do some alterations has found several defects the surveyor should have picked up. Among these is a manhole that has been concreted over, severe damp in two ground floor rooms, rot to a couple of roof joists and a ‘missing’ soil vent pipe. How should we go about trying to get some compensation from the surveyor, who we were told was RICS qualified?

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