A Review No Win No Fee Solicitors of Bristol (Personal Injury Website)

What follows is an review and request from our friends at Personal Injury Solicitors Bristol.  If you would like us to feature or review your website on the Digital Invaders then please contact us to discuss your requirements.  Please note that we will soon be launching our personal injury solicitors directory where you can list your website for a small fee.  Contact us should you wish to be listed.

Overview of No Win No Fee Solicitors of Bristol

So first up in terms of our review of this no win no fee claims website for Bristol clients is the general look and feel, including how they present themselves to their potential clients.  Personally I have never really been a fan or red… I mean red means danger right?  At least that’s why I learnt in my biology lessons at school when you look at the animal kingdom.

However, for Personal Injury Solicitors Bristol they do take the red approach for their no win no fee solicitors in Bristol page, and they are quite experienced legal eagles so let’s assume they know exactly what they are doing!  Here’s a screenshot of that page anyway or you can see it directly live on Personal Injury Bristol.

No Win No Fee Bristol Page

A big red call to action for when you need a no win no fee solicitor in Bristol!

As you can see, you are left under no illusions what you should do if you’ve had an accident and want to make a claim – after all there’s a huge phone number (in red obviously) that they tell you to call so that you can get on with being connected with a no win no fee solicitor – more information on their lawyers homepage.

In addition to the phone number they also have a small form on the side of the website which “claims” (see what I did there) to let you get a quick estimate on how much personal injury compensation you could be due after an accident.  The team at Personal Injury Bristol tells me that if you submit this form they will call you back, which means you save money on a call.

This kind of fits quite nicely with the whole no win no fee process, as most people looking for this kind of assistance from lawyers and solicitors are typically ones who don’t have the means to take a financial risk and can’t afford expensive legal fees.

The phone number is available all day, and every day. No matter when you want to talk to a personal injury solicitor in Bristol, they are ready to take your call 24 hours a day.  This is certainly very different from many local lawyers and solicitors who only operate their phone lines during standard classic office opening hours.

The Website Content – Explains Personal Injury Law

Moving on from the header and design, what about the content and what they tell you, the end client?  Well, the page itself starts off with an introduction to who they are and what they can help with.  So they can support with various different accident claims such as accidents at work, car crashes, whiplash – all the classic personal injury scenarios.

But then they go onto explain exactly how the no win no fee process works.  That’s really needed because from talking to people who have used a personal injury solicitor before, or thought about it, this is the one thing they are not always aware of.  The no win no fee solicitors Bristol page lays it all out in black and white (and red!) so that the potential client is left under no illusion exactly what they will get should they decide to use Personal Injury Bristol for their accident claims advice.

Video Content and YouTube Channel

If that page of content wasn’t enough, they have also created a YouTube video also which goes into a lot more detail in the spoken word from one of their Bristol no win no fee solicitors. It’s great that they do this as it does give an element of trust if you can actually here the person that you might be dealing with – the video explains how no win no fee solicitors work in a lot more detail so that any potential client can have true peace of mind – a definite nice touch I feel! You can see or watch the video below.

Final Assessment and Review

Overall I would say that this is actually one of the better personal injury websites that we have seen.  Over the last few weeks we’ve been blogging about personal injury, and nothing really compares though to expert and specialist content – which is exactly what this team of no win no fee specialists in Bristol have managed to create.

I would have no hesitation in recommending them to friends and partners that we work with in the Bristol and Avon area (these are the areas that they cover) so do suggest that if you need a personal injury solicitor or a company specialising in no win no fee then you give this Bristol website a visit for more information.

Faulty Product Compensation Claims

This is a follow up blog post to our recent one regarding slips, trips, and falls. When you buy a product from a retailer you do not expect to be put at risk of injury or accident because of the product itself or the design lacking safety features. With so many people relying on so much technology to organise and make their lives comfortable. It’s no wonder that it can sometimes can go wrong. As technology becomes cheaper for the consumer some industry insiders believe the standards are dropping. After recent Personal Injury Claims I have seen I must agree.

You can see how corners are potentially being cut for larger companies to hold on to their profit margins but still be bought by the consumer. An example of this is a claim that has been going on since early 2009. It involves leather sofas giving people who sat on them a rash.

This was caused due to crystals used to prevent mould while shipping. When bought into the house due to room temperate the sofas released a toxic gas. The gas then seeped through the leather and irritated the skin causing sofa rash. This is just one example of how company’s used dangerous chemicals and parts in our product by accident as they were probably cheaper than a safer alternative.

You also hear stories of mobile phones combusting in people’s pockets setting fire to their clothes and person. You don’t have to spend 5 minutes on a forum and you hear all manner of things. If you are injured due to a problem with a product.

Like any of the ones described above you should be discussing it with a professional to ensure you are compensated to the right level. These claims can be huge after a wash machine range began to go faulty it was causing smoke damage to the property and homes any many of the poor consumers that bought it.

One claim that I followed closely was that of a family member they had this exact thing happen where the Washing machine was faulty causing over 55000 worth of damage. The property in normal circumstances would be covered by your home insurance policy. But if someone is injured in that accident or product fault you would need a personal injury solicitor to assist you in raising a claim from the washing machine company.

If you or your loved ones have been injured due to a faulty product or unsafe service offered by a company. You should seek medical help at first point of call but then contact a No Win No Fee Solicitor to ensure that there is a professional looking after you. This is called a faulty product personal injury and you should search for a claims solicitor that is experienced in this niche.

Slips Trips & Falls – Information on Personal Injury

There has been over 21000 recorded slips trips and falls recorded by employers over the last year. If anyone has been employed in the last year by a small or large company you would understand that with paperwork to be filled in that so many go unreported. This is why we think you could add another 30% onto this number that by itself is already huge. If you were one of these 21000 people what effects could it have? We have got in contact with a local employee at a bank who knows personally. She told us about how it affected her and what she did.

“I was involved in a trip at work at first it was nothing major and I just wanted to get up and save myself any more embarrassment. After landing on my coxit in the middle of the branch where I have worked for many years. It was a wet day and we have a rather high footfall being a city centre branch. People where trudging in leaves excess rain water and what loomed to be anything that had blown its way through this rather dreary day. Normally it is the responsibility of the manager to ensure that are branch is complying with all Health and safety regulations. But we all pitched in really. On this occasion nobody had helped clean up or even display a wet floor sign to make staff and customers aware.

I carried on my normal working day in some pain but it was manageable the evening then came and it began to get worse. The pain in my back was like a jarring feel when I moved and especially painful to sit down on the sofa something I don’t normally have a problem with. My husband told me to speak to my doctor in the morning and take the next day off so I did just that. I went to see my doctor who informed me I had damaged my coxit and needed to take it slowly signing me off work and recommended physiotherapy.”

After this she called a personal injury solicitor just to explore her options this is something that many personal injury solicitors are experienced in just because of the vast amount of people who suffer from similar injury’s each year. After the initial discussion she was made aware that her case was going to be taken on using a no win no fee service they had offered her. This was great because it took away the financial burden after her slip and trip accident. The whole process took around 8 months to complete with very little involvement from the client. Just a routine doctor’s check and we managed to recover just over 4000 pound in damages. This helped pay of some of the physio bills and various other costs for prescriptions hospital travel and so forth.

The main thing with compensation is that it restores you financially to the point you where before the accident. If you are looking for a personal injury solicitor you can always search for one in your town. Work on recommendation or there are numbers available on various adverts that are broadcasted on most channels. You dont have to go with the first personal injury solicitor you come across. They are working for you, make sure you always request client testimonials and you feel comfortable with them. In some cases you are having to discuss very personal and upsetting details of your accident. Having a strong relationship built on trust is a great starting point for any claim.

How to Choose a Reputable IT Support Company for Your Finance Business

IT Support Company

Choosing the right IT Support for your business.

With the recent economic down-turn being felt globally, many small businesses have had to make drastic cost cuts in order to react to the recession. One very popular and effective way in which many SMEs have done this is by cutting internal IT resources and switching over to using an external and outsourced IT Support Company. The benefits mean that a business no longer has to employ on-site staff, deal with overheads associated to that such as HR, pensions, and office rent, as everything is managed by an external company.

A lot of competition has sprung up as a result for companies fighting to become the chosen IT Support Company for businesses making cut-backs – this means there are a lot of IT companies to choose from, so how do you go about making sure you choose a good one, and a reputable one? Here are a few tips that I recommend having worked in the business for many years.

Make Sure the Company is Local

It’s easy to reduce costs even further by selecting an off-shore partner for IT Support, by my experience is that this is rarely worth the money. You need a company that can come into your office at short-notice and fix any IT problems you have. Sometimes it’s not possible to have proper IT support just over the telephone and email. Having a local company that speaks the same language as you and has the same culture as your business is far better in the long-run.  Personally, as someone living in London I recommend IT Support London – they are very good and offer reliable services at a cheap price and are managed by a friend of mine.

Ask for Customer References

Don’t get suckered into using a new IT Support Company that has no history of delivering good service, or even worse, getting into a contractual agreement with a company that has a terrible reputation. During the pitch process ask the IT Company for references from existing clients, and at the very least do a look-up on them over the Web. See what other people are saying about them.

Ask to See Their Qualifications

Any IT Support Company worth their salt will have the latest and very best qualifications. Whether that’s the Microsoft accreditations ranging through to customer service exams, all are vitally important to ensure that they are reputable, know what they are doing, and are qualified to do the job for you. If they cannot show you qualifications then make sure that you walk away… quick!

Enter into a Trial Agreement at First

When you sign on the dotted line make sure that the initial contract is a short-term one of around three months. This way you can easily escape the relationship if you find that they are not the IT Support Company to suit you and your business. This might be more expensive at the beginning but could save you a bucket-load of cash in the future if you make any mistakes.

Of course, by following these guidelines there is no guarantee that you will end up choosing the best IT Support Company – but at least it should give you some good groundings and lay the framework for choosing a reputable supplier of IT Support Services to help manages your computers, PCs, Macs, Services, and Networks.

The Benefits to Using Bridging Loans in the UK

In the latest series of our bridging loans articles (previously we’ve discussed mortgages and an overview), we want to focus on the UK market. Most people do not know what the real meaning of a bridging loan as this kind of financial product isn’t actually widely offered in the UK and as such doesn’t really have much of a public profile. Hopefully this guide will put it all into perspective for you.

The Basics of Bridging Loans and Finance

A bridging loan lends money to a person or company who is borrowing it to meet his or her financial requirement – typically for property purchases over a short period of time where capital is needed quickly and the time frames involved with a high street standard lender might take too long to complete.

A bridging loan will be agreed over a short contract can be useful for over short term financial crises too as it is typically highly flexible and has no specific conditions that require the borrower to fulfill other than interest rates and repayments. These loans can be applied for by anyone residing in the United Kingdom and banking institutions or lenders usually offers these loans with a caveat of swift repayment terms and higher interest rates (visit the Bank of England to see the latest rates that could effect your application).

UK Interest Rates

Thanfully Bank of England Interest Rates have been falling which make the strategy more affordable for both individuals and companies.

Commercial Bridging Loans

There are various types of bridging loans available – for example there is a niche involving commercial bridging loans (also known as hard money loans in the United States: Source Investopedia). Business owners can remedy a gap or shortfall in their businesses with such agreements.

The Benefits of Bridging Finance

  • A bridging loans will help the borrower to face the financial needs until he secures a permanent loan with a more traditional agreement – e.g. from a UK high street lender (think Lloyds, HSBC, NatWest, RBS, Barclays etc).
  • Home owners can gain control over their financial situation until they buy or sell their homes.
  • Some people even make use of such a loan option to purchase some commercial properties such as hotels, retail business and industrial properties, refinance their property and to deal in real estate.

Generally while dealing with a commercial property the person would need a long term loan to sign the deal and with this loan package.

Should You Take One Out?

Decisions Decisions

Make sure you make the right decisions by asking the right questions.

Well, as with any financial product that’s entirely up to you. What we would say is that don’t jump into it. Make sure you examine the interest rates, the repayment schedule, as well as what penalties you could incur for late payments, or extending the loan period out. Here some additional thoughts that we think you should consider.

Can be closed within a short time

Bridging loans are designed to close much quickly than other loan types. This makes it a good option when a person needs fast cash to finish off the deal of a commercial property or other deals of businesses. This advantage offers the buyer to close the deal at a quicker pace based on their financial condition. Both the individuals and firms avail these loans as it eradicates the need to file for bankruptcy.

Easy and quick availability

When a person is searching for bridging loan providers they will find many companies offering such loans with fast approval processes. You can even get these loans approved within a period of 48 hours. Even if other conventional lending firms have rejected loan applications, these loans offer a helping hand to them while in need. Though the companies with check the financial situation of the borrower, there won’t be any credit check footprints left due to searches for approval being completed using what is called a “soft search”.  In the United Kingdom there are some well-established firms and brokers that follow this practice.

Easy repayment option but perhaps higher interest rates

Bridging loans in the UK offer easy repayment options with sometimes higher interest rates which aren’t always a massive issue due to the borrower repaying so quickly anyway – especially if the borrower pays up on time. The dates of repayment of the installments can be discussed between the borrower and the banker to make it easier to repay each month.

Our Conclusion on UK Bridge Loans

Bridging loans can be a perfect solution if you need quick finance for a large property deal, and can’t wait for your traditional lender to agree on, and finance the situation. However, if you do decide to go ahead, you must make sure that you continue with a standard loan application, and once that comes in and is approved, pay the bridging loan of in full so you don’t incur large interest rates and penalties.

PS: We forgot to mention when we originally published this advice that check to see that any lender is registered with the Financial Ombudsman and doesn’t have any filed complaints on record.

What is a Bridging Loan? Our Guide to This Type of Loan

Previously we put together a guide explaining what a bridging mortgage is.  This week we are explaining the broader term of briding loans.

Simply defined, a bridging loan is a loan intended for use during breaks or gaps between a debt that will soon be due. Bridging loans are considered short-term loans because they are designed for funding in between a debt and incoming credit or financial income. In other words, the loan is considered a “bridge” between debt and upcoming income.

Bridging loans are often more expensive than ordinary loans, including other short-term loans, because they are typically considered more of an “emergency” or necessary measure. Naturally, this means that the interest rates, penalty fees and other fees associated with bridging loans are raised when compared to the rates and fees applied to non-‘emergency’ loans.

What Are Bridging Loans For?

There are several different types and usages of bridging loans. However, they are most often used—and, in fact, were originally designed for—for buying property. For example: If you are selling your old house in order to buy a new house, you may find that there is a gap in between receiving money for your old house and needing money to buy or put a down payment on your new house. A bridging loan will supply you with the necessary money to secure your old house while you wait for the money from the sale of your old home.

In addition to this primary function, more and more people are using bridging loans for non-property purchases and measures. An increasing number of people are using bridging loans as alternative short-term loans; some people are even using them for non-necessary measures, such as paying for vacations or holiday trips, weddings, auction items and other purchases where they would like to have cash flow immediately with the intention of paying it back after the short gap or break.

Are Bridging Loans Worth It?

Bridging loans can be a risk if you are not careful to deal with professional, legitimate bridging loan lenders. A professional company will make sure that you are aware of all the potential fees, fines and interest rates associated with the loan that you are taking out. Many bridging loans have interest rates as high as 18% per year—meaning that you do need to be sure that you can pay back the loan within the required timeframe, unless you are willing to pay very high interest rates in addition to the potential for other late fees and fines.

Video Explaining Interest Rates:

In general, it is recommended that you only use bridging loans for purchases or transactions that are necessary for your residence or your business. Non-essentials, like vacations or auctions for collector’s items, are not important enough to your well-being and financial success to use this type of short-term loan with higher interest rates.

If you are intending on using a bridging loan, be sure that your upcoming income is secure and that you are well prepared to pay back the loan within the appropriate amount of time.

What is a Bridging Mortgage and How Do They Work?

Most people don’t know about bridge loans or bridge mortgages as they are a financial product that hasn’t had much exposure in the mainstream press. Today we thought that we would give a quick overview of what a bridging loan is and how they work, in particular when it comes to gaining rapid access for a loan for mortgage purposes.

Confusion over Bridging LoansEssentially all a bridge loan is, is a kind of way of financing a loan, but for the short-term where funds are needed very quickly.  What this means when it comes to mortgages, is that a borrower can get access to a short-term loan which might not be possible via traditional lender methods such as banks and mortgage lenders.  A bridge loan can be very beneficial for this kind of borrower, as it lets them get money quickly before a negative financial situation occurs.  As an example, they can help a property buyer to receive loan for a specific period of time.

It’s a short term loan; usually the period of load is up to 1 year. A bridge loan can be used for many different purposes, although the most common types of bridge loans are mortgage bridge loans to generate operating capital – these are the ones that most people will use bridging finance for.

Bridging loans have helped many people to purchase property in the United Kingdom without the need to sell their existing home during periods of financial uncertainty.  A bridge loan is also sometimes referred to as a swing loan, as they are taken for a small period of time. It is become a useful way for some people to manage their debt better and more efficiently.

Usually bridge loans are used for property deals and mortgages to help prevent bankruptcy or repossession cases.  It’s often used to move a business forward and mitigate delays; as an example, a hard-money loan is mostly taken when borrowers need to get money quickly – for example in emergencies – typically so that they can re-mortgage or re-finance a property or business that might be failing. The period of time is different; you can take loan up to 3 weeks or up to 3 years.

Why Are They Called Bridging Loans?

Because they provide a loan for a specific period of time, you should ensure that you are in a position to repay the loan back in the required time period which is given to you. As we said, a bridge loan has a short duration which depends on several situations. Whenever you apply for a big loan then there will always be several conditions, for example a lender won’t lend you if your income is lower than your money request.

One very highly recommended supplier of bridge loans in the United States are iBank.com.  For our American readers, you can register yourself on the iBank.com website and then choose from a variety of different competing lenders – then choose the best lenders to suit you for a bridge loan. 

How Do They Work?

For example, a business has been approved for a $50,000 loan from a bank, However, the bank will not release those funds for another six months, and six month is the duration of time which given by bank to back their loan in given time. After loan from bank, the business should apply for bridge loan of $20,000 to cover their expenses until the $50,000 loan comes back. In bridge loan, you and your lender will face several problems. There is a great chances driving down the value of property. You should sell your property to pay off your bridge loan.

A bridge loan cost is naturally higher then any other financial loan, and they will charge specific percentages which will add on your loan. That’s what you need to be very aware, so make sure that you read the small print before signing any loan agreements.