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Ross Grant

Today I have completed on the purchase of my very first apartment, and it just wouldn’t have been possible without the INCREDIBLE knowledge, guidance and GENUINE care of Nicola, Natalie, and the entire Versus Law team.

This purchase was far from straightforward, with lots of potential pitfalls – all navigated with professionalism, patience and an impeccable attention to detail by Nicola.

Nic went well above and beyond the call of duty to look into some extremely complex accounts and repair budgets to the apartment block in question – something I would have completely overlooked.

As a result, with her guidance, I managed to negotiate a £2,000 reduction in asking price – something I’m sure other solicitors would have let slip through the net.

That’s a genuine £2000 saving – a lot of money for a first-time buyer.

You get a real sense that these guys actually CARE – they make you feel more like a friend, than a client – and don’t leave a stone unturned when it comes to conveyancing. If there is anything to uncover on a property, trust me, Nicola will find it!

In essence, Versus Law made what could have been a rather stressful situation, easy and straightforward.

Communications and response times were brilliant, with daily updates coming via phone and email – and I never felt rushed by anyone when I had queries.

I honestly cannot recommend Versus Law enough.

I’m going to pick up the keys to my apartment now – and won’t be using anyone other than these guys for all future property purchases/ sales.

THANK YOU SO MUCH Versus Law – I’ll be raising a glass of champagne to you all at the housewarming! 🙂

CW

Great service provided by Nicola and her team.
Always communicating with updates for the completion of my property.
Would highly recommend

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Jackie

I used Versus Law to buy my first house. Had no idea how it worked but I must say that the conveyancing team held my hand all the way through. On the day of completion there was a delay and they stayed in office late to ensure it went through so I wasn’t waiting over the weekend. It was an absolute pleasure to deal with Versus Law and I wouldn’t hesitate to recommend them. It was nice to speak to people who I felt cared for me and put my interests first at all times. Thank you so much for your help

Contact Versus Law

Andy

Versus were great to deal with when they provided the conveyancing for my house purchase. I was able to complete the process without needing to physically travel to their offices and my solicitor was always available for any questions when I was completing all the paperwork. Everyone was very friendly to speak to.

Contact Versus Law

T Baguley

Fantastic conveyancing service from Nicola and Natalie, they kept on top of everything from start to finish and were always available whenever we had questions. I’d be happy to recommend them to anyone.

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David JC

Very impressed with every aspect of Versus Law, from service they provide to the attitude of the staff. Always called back when they said they would and had a laugh with them too. Will definately use again (if I need to).

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Mrs Morris

I would recommend Versus Law to anyone, particularly Nick Wintrip, who looked after us extremely well. They are very efficient and communicated with us fully at all times. We were able to contact them by phone and e mail and did not need to rely on letter going back and forth. Nick is really friendly too and put us at ease throughout the end to end sales process. Thank you.

Contact Versus Law

Tanita

Nicola and Natalie did a wonderful job. They were friendly and patient. Answered my many many questions and got the job done very efficiently. I am highly impressed and would definitely recommend them.

Contact Versus Law

What happens if i die without a will?

Have you considered what will happen to your property and personal belongings when you die?

A Will lets you decide what happens to your money, property and belongings after your death.

If you do not make a Will then your estate will pass in accordance with statutory rules called the rules of intestacy. Who will inherit will depend on who you are survived by and the size of your estate.

Those persons who could inherit under the rules of intestacy include:

Spouses or civil partners;
Children and grandchildren;
Parents;
Brothers and sisters; and
Nieces and nephews.

Unmarried partners and those not in a civil partnership will not inherit under the rules of intestacy.

If a person dies leaving no surviving relatives then their estate will pass to the Crown!

By writing a Will, not only can you specify who should inherit your estate but you also have the opportunity to appoint an Executor, minimise inheritance tax, direct who should look after your children/dependents and include wishes for your funeral.

You do not have to instruct a solicitor to prepare a Will for you, however certain formalities must be adhered to in order to ensure that the Will is valid. Once a person has died, it can be too late to try and rectify a mistake made when the Will was drafted or executed.

Here at Versus Law, we can also advise you in connection with more complex aspects of your estate including if:

You have children from a previous marriage or relationship;
You own property jointly with someone who is not your spouse or civil partner;
You want to provide for a family member of friend who cannot care for themselves;
You have a business; and/or
Inheritance tax will be payable on your death.

A Will should be kept under constant review and it is recommended that you review your Will every 5 years or following a life-changing event such as:

Divorce/separation
Marriage (this revokes any previous Will made before the date of the marriage);
Having children etc.

What is Noise Induced Hearing Loss and Tinnitus?

Noise Induced Hearing Loss is the destruction of hair cells within the ears which transmit electrical signals to the brain, enabling us to hear and understand sound.

Noise Induced Hearing Loss may be caused by continuous loud noise exposure over an extended period, or a “one-off” exposure such as an explosion.

The symptoms of Noise Induced Hearing Loss can include the following:-

Difficulty hearing in the presence of background noise or in a group conversation;
Difficulty hearing someone talking to you from a different room;
Having to ask people to repeat themselves and mishearing what people are saying;
Difficulty hearing on the telephone;
Difficulty hearing the doorbell;
Difficulty hearing the tv/radio and requiring the volume to be turned up loud.

Noise Induced Hearing Loss may also be accompanied by Tinnitus; or alternatively Tinnitus may exist on its own.

Tinnitus is frequently described as the experiencing of a noise in the ears which is commonly referred to as a whooshing, ringing, humming or buzzing sound. Tinnitus is often more intrusive in quiet environments and can disturb sleep or prevent sufferers from getting to sleep. Tinnitus can be experienced either constantly or intermittently.

Claiming for Noise Induced Hearing Loss and Tinnitus:

In order to be successful in a claim for Noise Induced Hearing Loss, you must satisfy the following 3 criteria:

Limitation
Breach of Duty
Causation

Limitation

There is a 3 year time limit in which Court Proceedings must be commenced. This 3 year time limit does not however run from the date on which you were last exposed to excessive noise; The 3 year time limit runs from your Date of Knowledge i.e. the first date you considered that you were suffering from a “significant” hearing problem and first attributed this, or ought reasonably to have attributed this to noise at work.

The law is currently such that it deems that a sufferer of a “significant” hearing problem should be “sufficiently curious” to ascertain the cause, and therefore allows a period of “thinking time” of up to approximately 9 months from first noticing a significant hearing problem, in order to seek advice from a GP as to the cause, before the 3 year limitation clock begins to tick.

What constitutes a “significant hearing problem” is sometimes a difficult concept to determine, however the Court has given some guidance on the issue as follows:

“…. It is to be decided objectively by the Judge applying the standards of the ordinary reasonable man”;
More than a “minor inconvenience”.

It is also more regularly accepted that a sufferer should ask the open question to their GP: “what is the cause of my symptoms?”, and in the absence of asking this, it is generally assumed that had the question been asked, then the reasonable GP would have enquired as to whether the sufferer had been exposed to loud noise in their employment.

However, frequently sufferers of Noise Induced Hearing Loss will have attended their GP for wax removal procedures, particularly as noisy working environments are often also dirty and dusty working environments causing the ears to become blocked.

If it appears that a claim has been brought outside the 3 year time limit, a Judge may exercise their discretion and allow the claim to proceed, only if they view that in all the circumstances it would be reasonable and just to do so.

Breach of Duty

In order to satisfy Breach of Duty, the Claimant must show that the noise levels they were exposed to breached the Regulations in force at the time of their employment, and that no or insufficient hearing protection, and training and advice regarding the dangers of noise exposure at work, were given.

The main Regulations are as follows:

Noise at the Worker Publication 1963;
Code of Practice 1972;
Health & Safety at Work Act 1974;
Noise at Work Regulations 1989;
Control of Noise at Work Regulations 2005.

In a nutshell, prior to the Noise at Work Regulations 1989 coming into force on 1^st January 1990, the Claimant had to show exposure to noise levels of a daily average of 90 decibels or above; Since these Regulations were introduced a lower action level of a daily average exposure of 85 decibels at which hearing protection must be available and training and instruction given, and an upper action level of a daily average exposure of 90 decibels at which level hearing protection must be made compulsory to wear and its use actively enforced, have come into effect. The Control of Noise at Work Regulations 2005 which came into effect on 6^th April 2006, reduced the first action level to 80 decibels and the second action level to 85 decibels.

Furthermore, if you moved around in your employment i.e. your work station did not remain stagnant for long periods of time, you may be deemed a “peripatetic” worker, and the 1972 Code of Practice introduced specific Regulations to cover workers who were exposed to loud noise which fluctuated and / or on a more intermittent basis.

In order to prove that noise levels breached the relevant Regulations, we will instruct an Acoustic Engineering Expert to prepare a Report confirming the noise levels to which the Claimant was exposed, and whether they constituted a breach of the Regulations in force at the time of the Claimant’s employment.

To give some guidance of what Engineering Experts generally assess noise levels to be by way of a subjective description:

If you were required to shout at arm’s length distance to be heard, noise levels are generally considered to be 90 decibels or above;
If you were required to raise your voice at arm’s length distance to be heard, noise levels are generally considered to have been between 85 – 90 decibels.

Causation:

We will instruct an Audiologist and ENT Medical Expert to examine you and prepare a Medical Report in your case, in order to prove that you are suffering from Noise Induced Hearing Loss and / or Tinnitus. Noise Induced Hearing Loss tends to affect certain frequencies of sound and tends to produce a recognisable pattern on the audiogram. Furthermore the Coles Lutman & Buffin Guidelines 2000 and the Lutman Coles & Buffin Guidelines 2016 give guidance to the Expert with regard to concluding the degree of Noise Induced Hearing Loss to which you are suffering from. The ENT Medical Expert will also comment upon whether any treatment is required which can include Hearing Aids and Tinnitus Retraining Therapy.

The second element of Causation is establishing you were exposed to sufficient levels of noise for a sufficiently long period (the period being dependant on the level of noise you were exposed to), in order for the noise exposure to have caused you damage. This element is addressed by both the ENT Medical Expert and Acoustic Engineering Expert from their respective areas of expertise.

How much compensation will I receive if I am successful?

If you are successful in pursuing your claim, you will receive compensation for the following heads of damage / loss:

General Damages: This is compensation for your actual injuries suffered i.e. pain, suffering and loss of amenity;
Losses & Expenses: The main head of loss tends to be the future cost of hearing aids. While this head of loss is generally contested by the Defendants, as hearing aids are generally available free of charge through the NHS, we can advance that there can be long waiting lists and that hearing aids through the NHS can be less advanced than those obtained privately, as well as advancing other arguments in support of your claim for hearing aids.

The level of compensation which your claim for General Damages attracts, is determined by the severity of your hearing loss and / or tinnitus, and taking into account your age. Thereafter reference is made to the Judicial Counsel guidelines and case law.

In advising you whether to accept an offer put forward by the Defendant, or the level of an offer to put forward to the Defendant, your Solicitor will also factor in the litigation risks in your case and advise you accordingly.

FAQs

Can I claim for Noise Induced Hearing Loss if the company I worked for no longer exists?

Yes, providing we are able to identify the company’s insurers by undertaking an Association of British Insurers search.

What if I have been exposed to loud noise with more than one employer?

We are able to pursue what are known as “multi-Defendant” claims i.e. claims with more than one Defendant employer. However it is advisable to keep this to a reasonable number for reasons of proportionality i.e. generally a maximum of 5 Defendants.

Will I be charged if I lose the case?

No, providing you have fully co-operated with us and provided us with your honest instructions throughout.

Will I be charged if I win my case?

If you win your case, we will deduct an amount from your compensation for an ATE Insurance Premium which is a policy taken out by us at the outset of your case to guard you against any adverse costs and disbursements. We will also take up to a 25% success fee in accordance with the Jackson Reforms which affect all claims pursued after 1^st April 2013.

How long will the whole process take?

While litigation can take on average up to 2-3 years to conclude, at Versus Law we pride ourselves on making the process as expeditious and streamlined as possible, setting in place strict time frames by which we will endeavour to meet certain landmarks in your claim, so that you receive the maximum compensation in a short a time as possible.

Read more about industrial deafness and noise induces hearing loss.

140 Reviews

A Ali

Versuslaw especially Anita Craig helped so kindly from 2018 for pia delay flight claim which was showing possible but Ms Anita Craig proved it again that versus law can do it. Thank you will use again and recommend 100percent.
R Nabi

We have just completed on a buy and sell having used Versus Law for both sides of the transaction.
Versus Law have been immense throughout, with the Conveyancer looking after our ‘purchase’ working hand in hand with his colleagues to keep us informed of how the ‘sell’ was progressing too.
Amazing bunch of people. There should be more firms providing this high level of service.
B Keane

Very professional and up to the task
I found versus law straight forward and very helpful.
K Boon

i recently completed on a property and was guided really well by Katrina and Lisa. Ive never purchased a property before so really didn’t know what was involved. It was easy and seamless no stress at all followed by a price that was so much cheaper than other quotes I’d had
M Rehman

Having had my PIA flight delayed for over 5 hours.. Anita Craig of versus law solicitors was a great help. Every step was made easy for me to understand and I will definitely be recommending yourselves to family and friends.
J Nugent

They made the whole process of my injury claim
simple and straight forward, They even managed to get
me my compensation before Christmas which I wasn’t expecting, A big thanks to Kulbinder Mehay
Steven P

Excellent work, thank you.
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.
Gem

I was selling my home which had a complicated title and versus law was recommended to me. Natalie Moylan handled my case from start to finish and I couldn’t ask for anyone better! There were no obstacles that couldn’t be overcome and in a very fast turn around too. The sale completed in no time at all. Natalie was timely, professional and friendly and an absolute pleasure to have on my side. I would strongly recommend Versus law to anyone.
Bonnie

I have used the services of Nicola Nolan at Versus Law twice this year and was instantly put at ease and very impressed with the help received and the outcome achieved. Would recommend without hesitation
Daniel

I called to get some documents certified, the ladies on reception were so helpful. I am very happy with the service I received and will use Versus Law again.
M

Dealt with my flight claim hassle free and super quick, I was continuously updated every step of the way and overall really pleased with the outcome. A personal thank you to Anita as she couldn’t have made it easier for me and saw through any problems I had!
Richard

I purchased my first home in February, and used Versus as my solicitor. I dealt with Natalie Moylan from start to finish, who was excellent throughout. The purchase ended up being delayed and resulted in a quite hectic finish, but Natalie remained calm and professional at all times, whilst providing a very high quality of work. My thanks to Natalie and her team, for making a long purchase so much easier!
C Savage

We were selling our house (through Nick) and buying a house (through Natalie) and I can honestly say these are the best solicitors we’ve ever used (we had always used ones in London previously). They both kept us informed on a regular basis as to how things were progressing which I really valued and they were quick to respond to any queries I asked. They were professional, efficient, helpful and really nice to deal with. We were recommended Versus through local friends that have used them previously and I would definitely recommend Versus to anyone else asking me for a recommendation.
Thanks again Natalie and Nick.
J Percy

We used Nicola Nolan for our purchase/transfer of ownership. She was excellent from start to finish. We were fully informed of the process throughout and she was always friendly, approachable and very professional at all times. Would definitely recommend her at Versus Law. Thank you again
J Guntren

Amazing law firm for conveyancing!! My wife and I made an offer on a house 24th September and we were moved in by 20th December. It should also be noted that we were selling my wife’s apartment at the same time (also using Versus), further complicating everything. Thanks to Natalie, everything was done in a very efficient manner and she was very understanding of our situation.
P Godfrey

Many thanks to Anita and all the staff at Versuslaw, they made my flight compensation claim for delay a breeze. I would highly recommend them
G Ryder

The service and advise that we received from Versuslaw was exceptional. We had numerous issues with the house that we were buying and the team at Versus law guided us through the process whilst always looking out for our best interest.They were always prompt in responding to any question that we had and would update us on a regular basis. Thanks again to Nicola, Nick and Francine
Mark

Excellent, professional and friendly work from Nick, Nicola and Natalie. They were flexible and very helpful in pushing along the sale despite several hurdles. Would definitely use again in future and would recommend others do so too
C Keen

Absolutely superb service from Nicola Nolan. Highly trust and recommend. Honest attention to detail.
V Griffith

We would like to say a big heartfelt thank you to Saqib Kazam versuslaw
Once he took our case in for Holiday compensation He kept us up to date with every thing explaining every step he took this was not an easy case but he got us an excellent result a kind polite very professional young man. Highly recommend
J Williams

From the moment we rung Versus Law and spoke to the receptionist on the phone to the moment we completed on our first home, Versus Law were excellent. Our solicitor was Tom and not only did he keep us updated every step of the way but he was very professional, efficient, offered valuable advice and made the process of buying a house stress free. We couldn’t recommend Versus Law enough and we just wanted to say a huge thank you to Tom and the team. Joe and Kara
S Foster

Sarah handled my claim quickly and efficiently. It made the whole process easy and stress free. She was very professional and kept me informed every step. I would highly recommend Versuslaw.
H Cooper

We would highly recommend Versus law, especially Nick Wintrip (selling) and Nicola Nolan (buying). They both kept us up to date throughout the whole process. They were easy to get hold of and were very prompt to answer any questions/email. We would have no hesitation in recommending Versus law for conveyancing.
I Asaf

Fantastic service, very helpful and kept me informed at every stage
M Long

From start to finish Versus Law have been professional and helpful. Tom Reid was always available to talk to us and gave us updates regularly meaning we did not have to constantly chase up matters. We are very happy by the service and would recommend to anyone looking for a reliable solicitor.
Jill T

Excellent service. I was kept informed every step of the way. Natalie Moylan and Renee Burke were a pleasure to work with. Highly professional but with a personal touch. They both went above and beyond!
Danielle

Excellent service from start to finish from Nicola and Natalie! Super responsive to emails and all my questions as a first time single buyer. Natalie and Nicola make a great team and are so approachable. Definitely recommend them for property related legal services.
Frankie

Really happy with my experience using versus law, from start to finish they put my mind at ease as I wasn’t buying a house in the normal way, it was through a family divorce and there were time scales and dead lines to meet, versus law managed to conker my mortgage and speed things up to avoid any extra costs, nicola was always there to ease my mind when I had any concerns as things do get stressful whilst purchasing a property, the ladies on the reception we also a delight and couldn’t do more to make you feel comfortable in any situation, if you are thinking of using versus law to assist you through your mortgage then look no further as these guys couldn’t have done more for me, I couldn’t have been happier with my experience
Matt W

Nicola Nolan’s conveyancing service has always been excellent, I have used them several times in the last 5 years. In particular for my business I have found their relationship and understanding of Paragon Bank to be very useful. I would highly recommend.
Kay

Excellent decision to go with Versus Law! Nick Wintrip handled the very stressful job of our house sale with professionalism, calmness and a good sense of humour. We did everything via email, phone and post, and he was always quick in responding and keeping me updated every step of the way. Very competitively priced too. I would highly recommend Versus Law without the slightest hesitation.
O Li

Thomas Reid dealt with the sale and purchase of our properties. He was a pleasure to work with – very quick to respond to queries and very efficient in his work. As a result, the process went very smoothly with minimal delays. I would highly recommend competitively priced Versus Law and especially the professionalism of Thomas Reid.
Mr RS

Natalie Moylan dealt with the sale and purchase on my behalf. The whole process was very well handled with constant updates. The first solicitors I’ve used that’s responds within to an email within an hour! Would 100% use again!!!
Mrs LC

Recently dealt with Nick Wintrip at Versus law when selling my property. Found him to be professional, quick and thorough. Process went smoothly and I was well informed throughout the process. I received regular updates and all enquiries were dealt with efficiently. Nick made the whole process of selling my home stress free and a happy one! Your the best Nick – thank you again 🙂
Will highly recommend Versus Law Solicitors. They are the best
Jaxx

Would recommend Versus Law for conveyancing; Nick and Natalie we’re our team with Nick the main contact, thank you Nick and Natalie for making the conveyancing experience as stress free as possible.
Paula

Great experience working with Versus Law. Excellent level of professionalism from Thomas Reid who provided clear, precise information. Highly recommended from my side. Thanks to Tom and the team.
D

Fantastic experience with Natalie and her colleagues. Email updates throughout the home buying process, estimates of how long it would take to get her work completed and local knowledge which speeded up the process. 100% recommended.
R Napier

Really good and really helpful got things sorted alot quicker than anticipated very cooperative
Wetherill

What an outstanding team they turned my purchase around within the set time frame and very professional at all times.
They went above and beyond reassured myself throughout the process.
As being a first time buyer I felt this was most important I would recommend them highly.
Nasir

Versus Law dealt with my house sale from start to finish in a most professional manner. A friendly, professional, competent team who get the job done within the time parameters. I highly recommend this firm.
Colin and Yvonne

Absolutely brilliant service as always.
This is the third time using Versuslaw and they never fail to impress. Natalie and Nicola are real diamonds and you really get the sense that they actually care about you.

We actually live in London, but continued to use them for our London property because of our previous experience with them.
Thank you guys, would highly recommend you to anyone.
B Man

Excellent service!!! We are really happy with the service VersusLaw provided to us. Being first time buyer, we dint have much idea about the whole process and had lots of questions. They have given proper and clear response on time to everything we have requested. For us, one of the property got cancelled in between the process because the owner decided to not to sell that property few days after accepting our offer. Though there were searches and procedures done already for that property VersusLaw did not ask Fee for that purchase as they understood the difficult situation we were in. When we found our next property, we had no doubt whom to contact. We are really happy and totally satisfied by the service Nicola, Natalie and their team offered. We will highly recommend your service to anyone,
Ross Grant

Today I have completed on the purchase of my very first apartment, and it just wouldn’t have been possible without the INCREDIBLE knowledge, guidance and GENUINE care of Nicola, Natalie, and the entire Versus Law team.

This purchase was far from straightforward, with lots of potential pitfalls – all navigated with professionalism, patience and an impeccable attention to detail by Nicola.

Nic went well above and beyond the call of duty to look into some extremely complex accounts and repair budgets to the apartment block in question – something I would have completely overlooked.

As a result, with her guidance, I managed to negotiate a £2,000 reduction in asking price – something I’m sure other solicitors would have let slip through the net.

That’s a genuine £2000 saving – a lot of money for a first-time buyer.

You get a real sense that these guys actually CARE – they make you feel more like a friend, than a client – and don’t leave a stone unturned when it comes to conveyancing. If there is anything to uncover on a property, trust me, Nicola will find it!

In essence, Versus Law made what could have been a rather stressful situation, easy and straightforward.

Communications and response times were brilliant, with daily updates coming via phone and email – and I never felt rushed by anyone when I had queries.

I honestly cannot recommend Versus Law enough.

I’m going to pick up the keys to my apartment now – and won’t be using anyone other than these guys for all future property purchases/ sales.

THANK YOU SO MUCH Versus Law – I’ll be raising a glass of champagne to you all at the housewarming! 🙂
CW

Great service provided by Nicola and her team.
Always communicating with updates for the completion of my property.
Would highly recommend
Jackie

I used Versus Law to buy my first house. Had no idea how it worked but I must say that the conveyancing team held my hand all the way through. On the day of completion there was a delay and they stayed in office late to ensure it went through so I wasn’t waiting over the weekend. It was an absolute pleasure to deal with Versus Law and I wouldn’t hesitate to recommend them. It was nice to speak to people who I felt cared for me and put my interests first at all times. Thank you so much for your help
Andy

Versus were great to deal with when they provided the conveyancing for my house purchase. I was able to complete the process without needing to physically travel to their offices and my solicitor was always available for any questions when I was completing all the paperwork. Everyone was very friendly to speak to.
T Baguley

Fantastic conveyancing service from Nicola and Natalie, they kept on top of everything from start to finish and were always available whenever we had questions. I’d be happy to recommend them to anyone.
David JC

Very impressed with every aspect of Versus Law, from service they provide to the attitude of the staff. Always called back when they said they would and had a laugh with them too. Will definately use again (if I need to).
Mrs Morris

I would recommend Versus Law to anyone, particularly Nick Wintrip, who looked after us extremely well. They are very efficient and communicated with us fully at all times. We were able to contact them by phone and e mail and did not need to rely on letter going back and forth. Nick is really friendly too and put us at ease throughout the end to end sales process. Thank you.
Tanita

Nicola and Natalie did a wonderful job. They were friendly and patient. Answered my many many questions and got the job done very efficiently. I am highly impressed and would definitely recommend them.

A Ali

R Nabi

B Keane

K Boon

M Rehman

J Nugent

Steven P

Liz

Gem

Bonnie

Daniel

M

Richard

C Savage

J Percy

J Guntren

P Godfrey

G Ryder

Mark

C Keen

V Griffith

J Williams

S Foster

H Cooper

I Asaf

M Long

Jill T

Danielle

Frankie

Matt W

Kay

O Li

Mr RS

Mrs LC

Jaxx

Paula

D

R Napier

Wetherill

Nasir

Colin and Yvonne

B Man

Ross Grant

CW

Jackie

Andy

T Baguley

David JC

Mrs Morris

Tanita

Ross Grant

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Tanita

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What happens if i die without a will?

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What is Noise Induced Hearing Loss and Tinnitus?

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