Welcome to CLS Direct Legal Service

Welcome to CLS Direct Legal Service

The Direct Community Free Legal Service


Do You Need a Legal Information or Guidance?

You have a legal problem or dispute. Do you know if you need to hire a Solicitor (Lawyer)? Or could you handle it yourself?

Are you thinking about purchasing a home, opening a business, or writing a Will?
Are you owed money and having difficulty collecting it?

Have you lost a Legal right because you could not afford a solicitor, or did not want to spend money hiring one?

Are you concerned that you might violate some Law, and be sued?

It is almost always better to instruct a solicitor to handle a legal problem or dispute. There are areas of the Law that can be very complex, requiring extensive knowledge that cannot be learned quickly. There are however certain areas of the Law that you can handle matters yourself providing there are no complications.

What are the advantages of handling a legal dispute or problem yourself?

The most obvious advantage is the financial savings you could make. Solicitors usually charge on an hourly basis for time spent on your case. This can prove to be very expensive and in many cases this expense can be avoided or reduced.

Dealing with a matter yourself can also lead to a faster resolution of the matter, as no one is more interested in resolving your problem or dispute than you.

Handling your own legal problems or disputes will be personally rewarding and give you confidence to deal with other problems or disputes you may confront in the future.

Making a Will is similar in some ways to taking out life insurance and just as important. Both have to do with making sure that your loved ones are adequately provided for after your death.

Life insurance is about your death creating a sum of money to provide a one-off payment, or a regular income to benefit your next of kin; making a will is about making sure that the money and assets you already have are not lost or squandered, or paid to people other than those you wish to benefit.

Making a Will is so much cheaper than taking out life insurance, often no more than £50, yet the number of people who have made a will is only a fraction of those who have life insurance. It doesn’t make sense, does it?

If you don’t make a will the law decides what happens to your money and other assets. It is entirely possible that what the law says is what you would have wanted for your assets in any case, but in the vast majority of cases this will not happen, and it will be too late too do anything about it by then!!

But the reasons for making a will are not limited to making sure those whom you wish to benefit from your estate actually do so. Other benefits are as follows;-

Tax Saving - with rising property values more and more people are finding that if they add everything up their total assets are above the threshold at which Inheritance Tax comes into play; in a surprisingly large number of cases, a properly structured will can save thousands of pounds. The Chancellor gets quite enough of our hard-earned cash already; don’t let him get any more if you can help it!

Versatility - the law is totally rigid; without a will the law at the date of your death will govern what happens to your assets. Having made a Will to suit your present circumstances at that time, you will undoubtedly find a few years or possibly only a few months on, that things have changed. You get married, have children, find a new partner, or split up from an old one, friendships come and go, relatives pass on, you win the lotteryÖÖ All and any of these could be a reason to rethink things.

Executors and guardians, trusts for children - a will also gives you the opportunity to dictate to a certain extent how your money will be used for the longer term future, who will manage your money, and how your children will be provided for after you are no longer around to manage things yourself. Surely it is better to have someone you know and trust to look after things after you are gone, than someone decided by the laws of intestacy, which apply where no will has been made.

Given the benefits possible, making a Will is about the best value for money you can ever hope to find. We at CLS have many years of experience in will drafting to suit every possible situation, and will happily advise you on every aspect of the process, whilst at the same time keeping the jargon to a minimum. Don’t put it off until tomorrow; tomorrow may never come!

 

Legal Advice can be available to ALL

 

What is legal aid?

Legal aid helps with the costs of legal advice for people who can/'t afford it. If you need help with the costs of legal advice, you can apply for legal aid. Whether you will receive it will depend upon:

  • the type of legal problem you have;
  • your income (how much you earn) and how much capital (money, property, belongings) you have;
  • whether there is a reasonable chance of winning your case and whether it is worth the time and money needed to win.

Contact us below

How do I Choose a Solicitor?

In preference you should be guided by recommendations from friends and acquaintances. Estate Agents will recommend solicitors to you as well but the best recommendation is by someone who has already dealt with the solicitor concerned and was happy with the service they received. Far and away the greatest proportion of our clients are existing customers returning to us and clients who have been recommended to us.

Do I need to live near my Solicitor?

The simple answer is No. With the onset of e-conveyancing and with the advances of modern technology this is no longer necessary since most of the work can be conducted via the different medias, i.e post, telephone, fax and e-mail. However we also like to get to know our clients on a personal basis, indeed many of our clients have also become our friends. We therefore like to emphasis the fact that CLS are a local firm with a specialised knowledge of the area where our practice is located.

Need help with conveyancing - How long should the process take?

Despite claims by other sites, this is one of life's most difficult questions to answer honestly. A typical transaction with no chain could take as little as four weeks from start to finish; an average nowadays is around 8 weeks. However, there are those transactions where there may be problems in securing a suitable mortgage or legal imperfections to a title, such as problems with covenants in a lease or planning or building issues. However the biggest factor affecting the length of time a transaction will take is the "chain" of transactions, i.e. other peoples sales and purchases that are reliant on your move and visa versa. It really all comes down to how many links there are in your particular chain and the co-operation of all the parties involved in that chain.

What is the difference between a Valuation and a Survey?

When you arrange your mortgage you will invariably be asked what type of survey you want. A valuation is merely a surveyor taking a brief look at the property to see if it is worth the price which is being asked for it and more importantly that if need be it would realise the amount of money which your mortgage lender is providing. This is the most popular option usually because it is the cheapest but it is not the preferred option. A "Homebuyers" report will involve the surveyor taking a more thorough look at the property and anything that is apparent from inspection such as a fault in or lack of damp course, repairs to guttering and other structural matters will be covered. However, if the Surveyor cannot get access to a particular area, for example, the loft space or because of carpets, floor coverings etc he will not be able to advise you as to whether there is any rot in those areas. The last survey is a full structural survey and goes into much more detail about electrics, damp and other rot etc. However, this survey is not cheap as it involves a Surveyor in having to spend a considerable time at the property. Some people rely on a mixture of the valuation and perhaps the advice of a builder. As this purchase is probably one of the most expensive outlays in your life the decision must be yours as to which type of survey you choose to have. The best option is to contact a Surveyor and to ask exactly what he will provide in his report and to make a decision based on his advice.

What is an Environmental Search and do I need one?

An environmental search provides information as to whether the property is in a flood area, affected by radon gas and other natural perils; coal mining, quarrying and subsidence due to land instability Whilst these searches are not, at the present time, compulsory in view of the relative cheapness (about £30.00) they are certainly money well spent and we personally always advise clients to have one carried out. After all, you are not going to feel very pleased if the home of your dreams suddenly becomes a lake through bad weather conditions or has been built on a contaminated ex-industrial site.