Archives May 2025

The Importance of Making a Will: What You Need to Know 


Creating a will is an important milestone in everyone’s life, and is something which everyone should consider, regardless of age. But what is a will and why is it crucial to have one? 

A will is a legal document which outlines how you would like your assets distributed after you pass away. It’s important to have one because if you pass away before creating one, your personal property, possessions and money may not be handled as you wish. This can lead to complex legal disputes between family members and friends as they work out a fair split for the inheritance, adding unnecessary stress during a highly sensitive time. 

To help shine a light on what you need to know about wills, probate, and what can happen if you don’t have a professionally crafted legal will, we’ve sat down with Molly Graham, Solicitor in our wills and probate team, to provide her expert insight into some of the most commonly asked questions surrounding these areas of law. 

Q: What happens if someone dies without a will? 

A: If you die ‘intestate’ – which means without having made a will – the intestacy law will divide your estate equally among your legally recognised relatives. This includes a spouse, civil partner, and/or child(ren).   

However, this may not always be what you desire, and can create tension among each of the respective parties if they feel this equal split is unfair. Additionally, intestacy law does not cover stepchildren, unmarried partners, friends, and charities, meaning that many of those who are close to you may be left with nothing after your passing. 

Q: How does intestacy law affect the distribution of assets? 

A: How intestacy law distributes your estate depends on which family members the inheritance needs to be split between. 

If both a spouse and the children have a claim to the inheritance, it is usually split into two.  One half, including all personal possessions, for your partner, and the other half is divided among your children.  

If you are without a spouse or children, then any other surviving relatives will inherit your assets. This is decided by an order of priority, with closest relatives first, followed by more distant family. If there are no relatives to claim your estate, your assets will go to the Crown.  

Q: What specific challenges arise in administering an estate without a will? 

A: The probate process, which involves the distribution of your estate among beneficiaries, does not vary too much whether a will is present or not. However, without this document in place, you lose all control over how your estate is broken up. For example, a family member who has been a part-time carer throughout the later stages of a parent’s life will receive the same amount of inheritance as an estranged family member. This could lead to friction between families and unnecessary court and legal fees if a court is needed to resolute a legal dispute. 

If you are a relative of a person who dies intestate, you can make an application to the court for a ‘grant of letters of administration’. This needs to be done within the first two years of your relative’s passing, after which the law will begin to distribute the estate automatically. There cannot only be one administrator – there must be a minimum of two, up to a maximum of four. 

Q: Please explain the probate process further when someone dies without a Will 

A: To gain a letter of administration, you must have details of everything the deceased owned, how much it is worth, and any outstanding debts. This information is then used to fill out the necessary Inheritance Tax Returns forms. You will then be able to gain a full picture of the amount of tax that is owed to HMRC. 

Alongside these tax forms, the application also requires the original death certificate for the deceased, as well as a fee that to be paid to the Probate Registry for their service. 

If approved, the applicant(s) will be appointed as administrator(s) of the estate. This grants them with the legal authority to deal with the estate, which can require access to the deceased’s private information. 

When undergoing probate in this scenario, it is extremely complex, and mistakes are much easier to make. 

Details

Q: How can potential disputes or complications be mitigated in the absence of a will? 

A: Having multiple administrators avoids disputes by allowing more of the deceased’s loved ones to have their interests represented, especially if the estate is complicated. However, third-party advice from a solicitor is also recommended. They can act as an unbiased party and consultant for any legal queries the administrators and their loved ones may have. 

When someone passes away it can be an extremely difficult time for all those involved in the individual’s life. To avoid undue stress and worry, everyone should have a will in place, meaning that when someone passes away, their friends and family are able to honour their memory with peace of mind, knowing that there is a plan in place for handling their estate. 

If you need help and support on matters concerning wills and probate, our team of specialists at Thomas and Thomas Solicitors provide a comprehensive range of Will services. For further support and advice, contact us here.  



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How to Sell Your Property Via Auction


Traditional Auctions vs. Modern Auctions

Traditional Auctions

Traditional auctions usually take place in person at an auction house or online, with several properties up for sale on a set day. They are often popular among property professionals who understand the system and can confidently make bids, as it is a rigid process with little room for error. As soon as the gavel falls and the auction is complete, contracts are exchanged and buyers are expected to pay a deposit that day (usually 10%), they then have approximately 28 days to complete the purchase.

Aside from this quick turnaround, the main appeal of selling your property in a traditional auction is the added layer of security; due to the strict rules around buying at auction, those in attendance are often ready to pay either on the day or imminently, reducing the likelihood of a lengthy process and buyers pulling out during the completion journey.

Traditional auctions are a good option for sellers who need to make the sale swiftly, and buyers who prefer cash. However, their fast-paced nature can intimidate inexperienced sellers and does not leave much time for a potential buyer to secure a loan or mortgage. This narrows down the pool of people who would be able to afford the property.

Modern Auctions

Modern auctions, on the other hand, take place purely online and are a little more flexible. Unlike traditional auctions, contracts do not have to be exchanged on the day of the bid, so it is not an immediate commitment. Instead, buyers have 56 days to complete the transaction, meaning that, while they are still committed to buying the property, they have a little longer to finalise a mortgage agreement.

Along with that same security blanket as a traditional auction, modern auctions are appealing for their online convenience and the additional time it affords potential buyers to secure their funding.

The lengthier process of a modern auction may be beneficial if you are looking for a quicker process than selling through an estate agent, but still need some time to get your affairs in order. However, there is no guarantee that your potential buyers will commit to the purchase, as they are not legally bound to complete it.



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Understanding Equity Release – Thomas & Thomas Solicitors Ltd


Equity release is a good way to give over 55s the opportunity to release some of the money held in their property without selling it, offering them the freedom to do things that they may not otherwise have been able to do. That money could be to help family financially, to pay off debt or to fund day-to-day retirement costs. Meanwhile, some homeowners use it to travel or for home or garden improvements. With house prices having risen by 73% in ten years, according to latest Office of National Statistics figures, many people now have a considerable proportion of their wealth invested in their property which they want to benefit from – so how do you go about releasing that equity in your home?

What is Home Equity?

Home equity is the value of your property, minus your mortgage balance. For example, if your home is valued at £500,000 with a remaining mortgage debt of £200,000, you have £300,000 in equity in your property. Equity accumulates in two ways; by paying off the mortgage and through the appreciation of the property’s value over time.

How to release Home Equity?

There are two ways to release equity; lifetime mortgages and home reversion plans. Both choices provide a way to obtain funds for a range of purposes such as home improvements, debt settlement and supplementing retirement income.

What are Lifetime Mortgages?

Lifetime mortgages offer homeowners a way to access funds, either through a lump sum or regular payments based on their home’s value, whilst allowing them to retain ownership of their property. Typically, the amount borrowed along with any accumulated interest is repaid when the homeowner passes away or moves into long term care.

Key considerations

1. Eligibility: Homeowners must be at least 55 years old. The amount that can be borrowed is determined based on the homeowners age and the value of their property.

2. Interest: The interest on the loan can be compounded (added to the loan balance) or paid off periodically. When compounded, it means no repayments are needed during the homeowner’s lifetime unless they choose otherwise.

3. Repayment: The loan is settled when the property is sold – either upon the homeowner’s passing or when they move into long term care. Any remaining equity after repaying the loan and interest goes to the homeowner’s estate or inherited by their beneficiaries.

4. Safeguards: Reputable lenders ensure that homeowners never owe more than their property’s value through a ‘No Equity Guarantee’.



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A Guide to a Personal Injury Claim


A personal injury claim is a legal action whereby someone seeks compensation after having suffered physical or emotional trauma due to someone else’s negligence or intentional misconduct. Whether it’s a slip and fall, a car accident, or a workplace injury — such claims can help victims secure compensation for their injuries, including any financial losses incurred.

In this guide, we’ll delve into what personal injury is, the types of claims, the process of making a claim, and how Thomas and Thomas Solicitors can assist you.

What Constitutes Personal Injury?

Personal injuries can arise from circumstances like accidents, medical errors, faulty products, or hazardous premises. The main objective of injury law is to ensure that the injured party receives compensation from the negligent party to cover medical bills, loss of income, and other related expenses caused by sustained pain and suffering.

Types of Personal Injury Claims

  • Motor Vehicle Incidents: Victims have the right to pursue compensation for injuries suffered from a vehicle accident. These include everything from accidental collisions, to deliberate drunk driving incidents.
  • Workplace Injuries: Workers that get hurt on the job due to poor workplace conditions or employer negligence have the option to seek compensation. This can help cover bills, rehabilitation expenses and potential loss of earnings.
  • Slips and Trips: These accidents happen when someone gets hurt on another person’s property because of conditions like slippery floors, uneven surfaces, or inadequate lighting.
  • Medical Negligence: Cases falling under this category occur when a medical professional’s mistake results in harm to a patient. This may involve misdiagnosis, surgical error, or improper treatment.
  • Faulty Products: If a defective item causes harm, the company that produced the product could be responsible for paying compensation to the user. This includes anything from malfunctioning equipment to out of date medications.
  • Criminal Injuries: Unlike injury claims based on negligence, these incidents involve deliberate harm, sustained as a result of a criminal act, including assaults and violent crimes.



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Understanding the Renting Homes (Wales) Act 2016


Being a landlord in Wales can be challenging from keeping up with changing regulations to ensuring that you stay compliant with the law. On 1st December 2022, the Renting Homes (Wales) Act 2016 came into effect and replaced certain provisions in UK-wide law (like the Housing Act 1985 and the Housing Act 1988). It also amended existing Welsh law, including the Renting Homes (Wales) Act 2019.

There was a six-month grace period for landlords, granted from the date the law came into effect to allow landlords to convert existing tenancies into new occupation contracts, as per the Act’s requirements. This, however, is well and truly over. Understanding and abiding by the new rules is therefore more critical than ever.

In this blog, our trainee solicitor, Jess Key, explains more and how these legislative changes affect both new and established rental agreements.



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A Solicitor’s Guide to Navigating Property Disputes


Property disputes can be both stressful and complex, impacting your finances, lifestyle, and peace of mind. Whether you are a homeowner, landlord, tenant, or involved in a commercial property matter, navigating these disputes requires expertise and a clear understanding of the legal landscape. At Thomas & Thomas Solicitors, we provide tailored legal solutions and support to resolve property disputes efficiently and effectively.

Types of Property Disputes

  • Boundary Disputes: Disagreements over the exact boundaries of a property can lead to significant conflicts. These disputes often involve issues related to fences, walls, or land usage, and may require detailed land surveys and legal expertise to resolve.
  • Tenancy and Lease Disputes: Issues between landlords and tenants can arise over various matters, including unpaid rent, property maintenance, and lease agreements. Both parties have specific rights and obligations under the lease, and disputes can sometimes escalate to eviction proceedings or claims for damages.
  • Property Inheritance Disputes: When a property is inherited, disputes can arise among family members or between beneficiaries. These disputes often involve questions about the validity of wills, the distribution of assets, or the management of the inherited property.
  • Commercial Property Disputes: Businesses can encounter disputes related to commercial leases, property management, or contractual obligations. These disputes can impact business operations and require a strategic approach to protect interests and minimise disruption.



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Using A Solicitor for Debt Recovery


The Legal Process to Debt Recovery

Depending on the individual circumstances of the case, a solicitor may use the following legal steps to recover unpaid bills from a debtor. It’s important that the debt recovery process follows Pre-Action Protocol, starting with a Letter Before Action.

Letter Before Action (LBA) – Initially, a solicitor will send a final reminder letter to the debtor called a Letter Before Action (LBA), serving as a final warning to the debtor of the outstanding debt and the consequences if payment is not made. This letter needs to include details of the debt, payment instructions and provide a reasonable deadline by which the debt needs to be paid. You can also offer a ‘payment plan’ if suitable for the circumstances. The purpose of this letter is to avoid legal action.

Legal action – If the debtor is still not responding to the LBA, or any settlement discussions are ultimately unsuccessful, then it may be that legal action is the only way forward to receiving a response or recovering the money. Issuing a County Court Claim form is the first step. The court then sends back a ‘Response Pack’ for ways in which the debtor can reply. It’s important to ensure there are no errors in these forms at this stage.

Particulars of Claim – The creditor also needs to include the basis of the claim (the Particulars of Claim), which specifies the debt owned, the reason for the unpaid amount, and any interest on the amount being claimed. It’s again important to ensure the Particulars of Claim is clear and contain the correct amount of detail otherwise it could be returned by the court, delaying matters.

Alternative Dispute Resolution (ADR) – If the debtor or creditor fail to agree on the existence, the amount, the enforceability, or any other aspect of the debt, then these parties should go down the route of Alternative Dispute Resolution (ADR) rather than resorting to going straight to court. These include mediation, whereby parties aim to negotiate a settlement with the guidance of a qualified civil mediator, and arbitration, where all parties put forward their cases to a qualified arbitrator who weighs up the evidence and makes a decision on the outcome of the dispute.



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An employment law guide to the office Christmas party


Attendance

While most staff will love receiving an invite to the work Christmas party, others may not. It’s important to remember that events that fall outside of normal working hours should be considered optional. If a team member declines, they shouldn’t have to give reasons as to why but rather be encouraged to communicate their non-attendance as early as possible.

Accessibility

For those who do want to attend the work Christmas party, employers should choose accessible venues and activities that will not exclude anyone. Employers are legally required to make reasonable adjustments for disabled staff and modifications for pregnant women.

Set Clear Expectations

Before the party kicks off it’s wise to remind employees of the expected standards of behaviour. While this may feel a bit doom and gloom before the fun has even started, it can prevent misunderstandings and potential issues further down the line. To achieve this, employers should encourage everyone to have fun responsibly, highlight zero tolerance for discriminatory remarks, inappropriate conduct, or excessive drinking.

Alcohol consumption

Some employees will be looking forward to a tipple or two so it’s important for employers to remind staff that the party is a work event and to be mindful of their alcohol consumption. For non-drinkers, providing alcohol-free alternatives will ensure they’re not excluded.

To prevent overconsumption, employers can limit availability by providing drink tokens or set a limit on the free bar and encourage greater responsibility by reminding employees to look out for one another and report any concerns promptly. Employers must handle reported incidents tactfully and document them if follow-up is required.

Plan Travel and Safety

If alcohol will be served at the event, employers have a duty of care to employees, even at off-site events. Ensuring everyone gets home safely is key to a successful and responsible celebration. So, arrange taxis, reimburse travel costs, or choose a venue with excellent public transport links.

Social Media Etiquette

In the age of smartphones, office party moments often end up on social media. While most posts will be light-hearted, some could harm the company’s reputation or invade privacy. Respect privacy by reminding employees to obtain consent before sharing photos or videos of other colleagues. Encourage discretion by advising against posting anything that could embarrass team members or reflect poorly on the business.

Misconduct

If misconduct does occur, be sure to address any inappropriate behaviour promptly and professionally. Investigate complaints and take corrective action as per your company’s relevant policies. If you don’t have certain policies in place, circulate a memo to staff in advance to make your position clear.

 



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The Two Types of Personal Injury Compensation


If you’ve been injured or fallen ill due to someone else’s negligence or intentional misconduct, you may be entitled to claim compensation. In the UK, personal injury claims revolve around two primary types of damages, general damages and special damages. These categories ensure that both the physical and non-physical effects of your injury are considered. In this blog, we explore what each type of compensation entails and how it can impact your claim.

General damages are designed to address the immediate, physical and psychological impact of your injury. These are the aspects of your life that are harder to quantify but no less significant. General damages include:

  1. Pain and Suffering
    This compensates for the physical and emotional distress caused by your injury. Whether you’re dealing with chronic pain, discomfort, or mental health struggles like anxiety or depression, these damages aim to acknowledge your experience and compensate for your injury.
  2. Loss of Enjoyment of Life
    Injuries can often limit your ability to participate in hobbies, activities, or everyday routines that once brought you joy. If your quality of life has diminished, this will be factored into your compensation.
  3. Psychological Impact
    Emotional trauma, such as post-traumatic stress disorder (PTSD), anxiety, or depression resulting from your injury, is also considered under general damages.

While general damages address the personal impact of your injury, special damages focus on the financial losses you’ve incurred. These are quantifiable costs directly related to your injury, including:

  1. Medical Expenses
    Special damages cover the cost of medical treatment, such as, emergency care and hospital visits, specialist consultations, physical therapy and rehabilitation and any ongoing medical needs or future treatment costs.
  2. Lost Earnings
    If your injury has forced you to take time off work, you can claim compensation for any income you’ll have lost during your recovery.
  3. Future Loss of Earnings
    In cases where your injury affects your ability to return to work or perform the same role, you may also claim for a loss of earning capacity.
  4. Travel Expenses
    Costs related to travel for medical appointments, therapy sessions, or other injury-related needs can be included in your claim.
  5. Care and Assistance
    If your injury has caused you to rely on others for care, whether professional caregivers or family members, you can claim compensation for these costs.
  6. Property Damage
    If your personal property was damaged in the incident, such as your vehicle in a road traffic accident, you may be reimbursed for repair or replacement costs.

When making a personal injury claim, both general and special damages are assessed together to determine the total amount of compensation you’re entitled to. For example, if you suffered a back injury in a car accident, general damages would account for the pain and limited mobility you’ve experienced, while special damages cover your medical bills, lost wages, and transportation costs. Both categories are crucial in providing comprehensive compensation that reflects the full impact of your injury.

Understanding the types of compensation available is essential for maximising your claim. However, the process can be complex, and ensuring you’re awarded the full amount you deserve often requires expert guidance.

Personal injury lawyers will strive to ensure you receive the compensation you’re entitled to for your injuries, along with any other financial losses resulting from the accident.

Personal injury claims in the UK are designed to help victims recover both financially and emotionally from their injuries. By understanding the distinction between general and special damages, you’ll be better equipped to pursue a claim that addresses every aspect of your situation.

To find out more about Thomas & Thomas Solicitor’s services click here – Legal Services in South Wales – Thomas & Thomas Solicitors



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