Author: numan
How we can help you deal with criminal injuries
Before we go into the time frame for CICA claims to pay out, first you should understand what a CICA is and why it exists.
The Criminal Injuries Compensation Authority, commonly abbreviated to CICA, is a Government-run scheme that offers compensation to blameless victims of violent crime, sexual assault and abuse. On average, just under 35,000 settlements are agreed upon annually to help innocent victims to receive the support they need to get their life back on track again
To be eligible for a CICA claim, a victim must have suffered from a physical injury or psychological trauma with the severity impacting the compensation. The compensation you receive can range from £1,000 to £500,000. For the claim to be successful, the crime committed must be reported to the police. If the alleged criminal is not identified, caught or convicted, you may still be able to seek legal redress and obtain a settlement.
If there is doubt that a claim in the civil courts will succeed, it is worth considering a claim for compensation under the CICA scheme. In addition, it is worthwhile to inspect if the perpetrator has insufficient assets or insurance to meet the agreed settlement.
CICA claims are unlike criminal courts cases where verdicts are made based on being ‘beyond reasonable doubt’, instead they are assessed using a ‘balance of probabilities’ as proof.
So when should you submit a claim to the CICA?
When entering a CICA claim, an applicant has a right to submit within 2 years of the offence unless they were a minor at the time or other exceptional circumstances related to the crime. It is not necessary to wait for the outcome of a criminal trial before submitting a CICA claim. This is especially vital if the trial outcome will not be decided within the 2 year window that the applicant has a right to. Often than not, victims are advised not to submit a CICA claim before a criminal trial has concluded by the CPS or police. However, as mentioned just before, this advice poses a risk if the trial period suprasses the claim period.
If the circumstances lead to you feeling like you should take such advice to delay your claim, ensure you ask them to put the advice in writing. This can later be used as evidence to the CICA as to why your claim was submitted outside of the 2 year window.
How long does a CICA claim take?
While there is no specified time given by the CICA, they aim to make a decision on applications within a 12 to 18 month period. If the case is of a higher complexity or contains higher-value settlements, the application process can take much longer.
A higher complexity case usually involves serious injury and ongoing medical treatment where the recovery date of the victim is still unknown. As a result, a final decision on the claim cannot be made until there is a clear prognosis. However, depending on the circumstances, it may be possible to ask the CICA for an interim payment.
Certain CICA claims can be fast tracked
When it comes to sexual assault cases, the CICA aim to deal with applications within 8 weeks where the victim wants the case assessed with police evidence only. This option is usually used when a victim has not suffered from psychological damage from the sexual assault.
If an applicant has suffered from psychological injury which has been clinically diagnosed by a psychiatrist or psychologist, the process is longer. This is because a final decision can only be made through a normal application as it allows the CICA time to obtain medical evidence to support your case.
Why is my CICA claim being delayed?
When it comes to the length of assessment time for an application, it varies depending on the information that needs to be gathered from medical professionals and organisations like the police. The time it takes to receive such information can cause a large delay in reviewing an application claim. The CICA may also require evidence from the police and other organisations to help them reach a final agreement in cases where the alleged perpetrator of abuse has not been convicted. Similar to the point made earlier, if a victim is experiencing medical treatment with an unclear prognosis that will also delay the CICA in making a decision.
Once decided upon, how long does CICA take to pay out?
If a settlement has been successfully agreed up, a client must then notify the CICA of their acceptance. Within four weeks of agreement, the compensation should arrive to your bank account.
If the compensation is for a minor, the money will be held in an interest-bearing bank account until they turn 18. If the compensation is for someone who lacks mental capacity to make their own decisions, it will be held in trust for the applicant.
Can I make a claim independently?
While a CICA claim can be pursued without legal assistance, it can easily become tedious and feel drawn out. We truly believe our specialist legal advice can be the difference between a successful and rejected claim.
If you wish for us to act as an advocate on your behalf, please do not hesitate to get in touch with our claim team by filling in our online enquiry form or calling the number at the top of the website.
Stamp Duty Holiday Extension
WHAT EXACTLY DID THE CHANCELLOR ANNOUNCE?
Rishi Sunak has declared the stamp duty holiday will be extended until the end of June 2021. That means homebuyers in England and Northern Ireland will pay no stamp duty on properties worth up to £500,000.
The extension will save an additional 300,000 home buyers up to £15,000.
An extension to the deadline was widely anticipated. Surprisingly, the Chancellor also announced that stamp duty will be tapered after the holiday ends. With the aim to ease the transition back to normal, the nil rate band will be £250,000 until the end of September. It will return to the usual threshold of £125,000 on 1st October.
The news will hopefully come as a relief to those buyers and sellers who have been desperately trying to get their sale completed in time to meet the previous deadline of 31st March.
At Versus Law, our specialist team of solicitors offering conveyancing in Manchester are well equipped to deal with property transactions of any description. We have been delighted to provide expert services to our clients across the North West who have either purchased or sold properties during the stamp duty holiday period.
What is the stamp duty holiday?
Chancellor Rishi Sunak introduced the stamp duty holiday in July 2020. It came into effect on July 8 and will now run until September 30, 2021. The aim was to give a boost to a housing market that had ground to a halt by offering a stamp duty break on the first £500,000 of the purchase price of a property in England or Northern Ireland.
Stamp duty is simply the money we pay to the taxman when we buy property or land in the UK worth over a certain value. The previous threshold for stamp duty land tax (SDLT) for residential properties in England and Northern Ireland was £125,000 (for first-time buyers it was £300,000).
The tax break means that house buyers could save up to £15,000 when buying a new home.
STAMP DUTY HOLIDAY RATES TABLE
Property Purchase Price | Stamp Duty Rate |
£0 to £500,000 | 0% |
£501,000 to £925,000 | 5% |
£925,000 to £1.5 million | 10% |
The stamp duty bands will remain otherwise unchanged. So, for the duration of the holiday, there will be no initial stamp duty band. Instead, stamp duty will jump straight to 5% for properties costing from £500,000 to £925,000 and then to 10% for properties up to £1.5 million.
What other help for homeowners is there?
The chancellor also announced a new “mortgage guarantee” in the Budget.
Starting in April, the government will provide a guarantee to lenders who offer mortgages to people with a deposit of just 5% on homes with a value of up to £600,000.
The government says the scheme will allow more people to become homeowners.
Lloyds, NatWest, Santander, Barclays and HSBC will be offering 95% mortgages from April, with other lenders including Virgin Money expected to launch products later.
Before the announcement, stamp duty in England and Northern Ireland was paid on property sold for £125,000 or more. First-time buyers did not pay any stamp duty up to £300,000.
Landlords and second-home buyers are also eligible for the tax cut but will still have to pay the additional 3% of stamp duty they were charged under the previous rules.
At Versus Law, we support the extension which will allow more of our customers to benefit from the savings however due to the increase in sales and purchases taking place as a result of the stamp duty holiday now is the time to get in touch and start your journey to purchasing your new home. Click here to use our handy conveyancing calculator for a free no obligation quote and remember the earlier you start the process the better your chances of completing your purchase on time.
How to sell your property
When it comes to selling your home, it can feel quite overwhelming. In this guide, we will uncover the factors you need to consider when you go about selling your home.
- Make your home look the best it can
The property’s exterior is extremely important. First impressions matter. You don’t want a potential buyer walking away because of an overgrown lawn.
Some things to do which won’t cost you much:
– Mow the lawn
– Clear the driveway
– Clean the windows
– Clean/paint the front door
The interior of the house is just as important as the exterior. Signs of wear and tear can be seen even in the best kept properties. Therefore, the first step and the most important are sorting them out, to allow yourself to sell your property at the maximum price possible.
Tidying and decluttering can make your home more sellable. If possible, make the house less personal to encourage viewers to see themselves there.
- Getting your home valued
Once your house is looking its best, getting it valued is the next step.
Research at this stage is imperative. If not done correctly, it could leave your home on the market for a long time, or it could be sold below the market price.
Before having an estate agent value your home, check the sold house prices in the past 12 months with an online agent such as Zoopla, or Rightmove.
Online agencies will allow you to compare your property to those of a similar size and spec.
Rightmove will allow you to do this pretty accurately.
- Getting the estate agents in
Once your extensive research has been carried out, you’re ready to have the estate agent in.
You should have at least 3 agents to value your home. Don’t concern yourself if you decide you don’t want to use that estate agent for the actual sale, as you’re not committed to them.
To get the most balanced view, it is worth asking different types of estate agents for valuations. For example, a big high street chain, a small local one and an online one. And get them to bring paperwork on sold prices in the surrounding area.
- Contacting our conveyancer solicitors
Conveyancing is the transfer of the legal title of a property from one person or party to another. There are normally two stages to this: the first is the exchange of contracts, the point at which the terms of sale are agreed. The second is the completion, the point at which the legal title is transferred from one party to another. Conveyancing can, at first glance, seem like a very confusing process but rest assured our team who provide conveyancing in Manchester and the surrounding areas will alleviate the stress of moving! We communicate with our clients every step of the way.
The conveyancing process has stringent guidelines that must be adhered to in order to demonstrate the legal transfer of property. There are several steps that must be completed to secure the transaction. These are as follows:
- Initial paperwork and draft contract
- Preliminary enquiries by the buyer’s solicitor
- Arranging for a survey
- Approval of the draft contract
- Mortgage offer
- Exchange of contracts
- After exchange
- Completion
WHY CHOOSE US?
Versus Law has more the 10 years’ experience providing perceptive and proactive conveyancing in Manchester to clients across the region and beyond. Whether you’re based in the region or across the UK we will confidently manage your conveyancing requirements.
We provide astute commercial and residential conveyancing services. This includes the sale of commercial land and buildings, the sale and purchase of commercial enterprises, and a trusted service for landlords, in addition to residential sales and purchase, re-mortgaging, and home equity release services.
As a member of the Law Society’s Conveyancing Quality Scheme, we are recognised for the quality of conveyancing that we provide our clients.
Our conveyancing practices are supported by our transparent approach and client-centric ethos. We promise competitive fees and a clear quote upfront prior to any work being undertaken.
CONTACT US
Versus Law solicitors provide Conveyancing services for those ready to buy their home. Interested in learning how we can help you manage your conveyancing? Get a FREE consultation with one of our conveyancing solicitors by contacting us today on 0161 249 5087 or email us at property@versuslaw.co.uk. If you prefer, you can use our online conveyancing calculator.
Handling Discrimination in the Workplace
Discrimination is the unequal treatment of an individual or a number of individuals who are considered protected under the Equality Act 2010.
The Equality Act 2010 works to protect employees from any form of discrimination and there are certain ‘protected characteristics’ which include age, religious beliefs, disability, pregnancy or maternity, race, gender, marital status and gender reassignment.
Discrimination can have a negative impact on one’s career, confidence and mental health and therefore should not be overlooked.
There are four different ways in which one may suffer from discrimination:
- Direct discrimination – this implies that an individual is being treated differently to others due to their ‘protected characteristics’ e.g. a woman not getting a promotion due to her gender.
- Indirect discrimination – this is when there are certain measures in place that apply across the board, however are unfair to you due to your protected characteristics. E.g. your company have all their employees work a 9-5; however you have a disability, which means you need to travel outside of rush hour.
- Harassment – this is unsolicited behaviour towards an individual which is related to a protected characteristic that creates an offensive environment. E.g. comments based on gender or religion.
- Victimisation – this is when an individual is treated unfairly due to their complaint against discrimination or harassment. E.g. not being invited to work events due to the fact you called out a colleague’s racist language.
Make A Note of Everything
From the moment you begin to notice you’re being discriminated against, make a record of everything that is being said, done or sent to you electronically or physically.
Keep a diary with what was said, when it was said and the wording , specifying the discriminatory comments or actions. Include who was there when the comments were made.
Moreover, you may feel like discarding of any evidence, such as photos or emails, but this is what will prevent a ‘he said/ she said’ quarrel. All of this can be used as evidence in court.
CONTACT US
Here at Versus Law, we have helped thousands of clients throughout Manchester – and across the UK – to help support those who are being discriminated against in the workplace. If you would like legal advice regarding any form of discrimination because of a protected characteristic, contact us today on 0161 504 7563 or email us at info@versuslaw.co.uk.
We can help you to identify any claims you may have, advise on time limits, your employers liability and discuss your settlement options.
We offer a range of funding options available to assist you and in some cases, we can offer a ‘no win no fee’ arrangement.
Buying A Property From An Online Auction
Physical auctions are no longer an option due to the pandemic, however many are still going ahead online.
Review the legal pack

A legal pack for all properties sold at auction will have been prepared by the seller’s lawyers. It will consist of details in relation to the property including:

CONTACT US
Here at Versus Law, we have helped thousands of clients throughout Manchester – and across the UK – to achieve buying property. To receive your FREE consultation with one of our solicitors, contact us today on 0161 504 7234 or email us at info@versuslaw.co.uk.
Tips for buying commercial property
Commercial property investment, requires a lot of research and knowledge in order to be successful. This is especially true when it comes to first-time buyers. Whether you are looking to buy a building for shops, warehouses, flats or offices.
At Versus Law we have put together a handful of tips for anyone keen to purchase a commercial property.
1. Conduct thorough research
Researching is vital. Look into long-term predictions for the location you are viewing property in – is there anything that may help or hinder property values in the future? A decline in value of your commercial property could decrease your business capital therefore spend some time checking the details.
2. Determine your investment budget and return goals
Compared to residential property investments, commercial properties have much more room for potential. The location and type of property you are looking to invest in will go a long way in determining your potential returns. So always take supply and demand into consideration.
3. Take advantage of low interest rates
When considering purchasing a commercial property, it is wise to keep a close eye on interest rates as they are constantly fluctuating. Although they won’t stay constant for a long period of time, it makes a mortgage an attractive option. Re-mortgaging your property will help to increase additional capital, which will be considerably cheaper than a business loan.
4. Get your financing in order
Depending on your financial situation, you’ll want to consider strongly whether purchasing or leasing makes sense for you. For most people, leasing will be the more realistic option, which means you’ll need to locate funding options. These can range from banks, credit unions and mortgages.
5. Set realistic objectives
Experts and professionals who have years of experience investing in commercial property are a brilliant resource. Seeking opinions from a number of people before making a decision is never a bad option.
As with any other investment, having your feet planted firmly on solid ground is essential. The best plan when buying commercial property is to always keep your goals in mind, know how you’ll finance your purchase, study the market religiously and remain patient. By doing this, when the right opportunity arises, you’ll be ready to pounce and reap the rewards.
Whether you’re a property owner with a vast portfolio, are a landlord with a single or several investment properties, are looking to buy or sell a commercial property or are a tenant, we can help guide you through the legalities of your next sale or purchase.
CONTACT US
Interested in learning how we can help you manage your commercial conveyancing? Get a FREE consultation with one of our conveyancing solicitors in Manchester by contacting us today on 0161 504 7285 or email us at property@versuslaw.co.uk. If you prefer, you can complete our contact form.
Why You Should Write a Will
The purpose of a will is to be able to dictate what is to happen to your possessions and property once you have passed. Money, possessions and property are referred to as an estate.
If you decide you’re not going to write a will, the law then decides what is to happen to your estate.
There are four main reasons as to why you should write a will:
- Make it easier on your loved ones when you pass: if you have written a will, the logistics of your estate have already been dealt with. This takes a heap of stress off your family and friends.
- You can dictate what happens to your estate: this means everything will be distributed in accordance to your wishes rather than in accordance to the law.
- Lower inheritance tax: writing a will lowers the amount of tax that is then to be paid on any money or property left behind.
- Benefits your children: when you write a will, it safeguards your children who are financially dependent on you. You can also specify if you would like to leave some estate outside the family.
Your wishes and how they are carried out
Your will informs people of two main things:
- Who inherits your estate when you die
- Who will see to the distribution of your estate, following any instructions that have been left by you in your will – this individual is referred to as the Executor and more than one person may be given this role. In your will, you may also specify how you would like to be buried or cremated. The role of the executor is to do their best to ensure each one of your wishes are fulfilled, providing they are not breaking the law.
Interested in learning how we can help you to prepare and execute your will and probate requirements? Get a FREE consultation with one of our solicitors in Manchester by contacting us today on 0161 249 5087 or email us at info@versuslaw.co.uk. If you prefer, you can complete our contact form here.
Liz
Nicola Nolan and Natalie Moylan are an excellent conveyancing team. We have used them more than once and recommend them to friends and family (who were also impressed). This time they were involved in us buying a property in Wales and kept us informed all the way through, even with covid restrictions causing problems. They are friendly, efficient and get the job done in a no-nonsense way which is what you need. They take the stress out of conveyancing for you. Very impressed and would recommend to anyone and everyone.
R Herbert
Always responsive and quick to return calls. Went without a hitch. Thanks