Month: January 2021

How could my personal injury claim be delayed?

Posted on January 29, 2021 by Hannah Fletcher - Accidents in Public, Blog, Covid-19, Uncategorised

If you are trying to make a personal injury claim during the pandemic, you may be feeling concerned about how long it could take to claim your compensation. Things have not been easy over the last year. You may have felt nervous about making a claim because you were currently working remotely, or perhaps don’t fully understand how you could make a claim if you cannot get to court. That’s why you have been putting off making a claim for so long.

Here at Gowing Law, we would normally say that you should try to make your claim as soon as possible. That way you can avoid losing out on evidence or a high pay-out. However, we understand the nerves you may be experiencing during this difficult year. There is a chance that your claim could be delayed due to the current circumstances. Even if you experience a delay in your claim, our law firm will be here to support you and get you the compensation that you deserve. Even during the lockdown, our trained solicitors can give you expert advice to get you started on your personal injury claim.

Click the link below to visit our claims checker and get started on your claim:

Why are there delays right now with my personal injury claim?

Unfortunately, Covid-19 has affected the majority of peoples’ livelihoods. This has put people at risk of losing their jobs, their homes and, ultimately, having their lives turned upside down. It is a sobering truth that does put a lot of things in perspective. If you have suffered from a personal injury that has changed your life, the current lockdown may be forcing you to consider whether or not it is worth making a personal injury claim at this point in time.

You may be fearful that by going out to start on a claim you could catch Covid-19 from being in a public space. Not only that, but it is important that you adhere to lockdown rules to keep safe throughout this difficult time. This is why it is important to have solicitors to guide you throughout the pandemic about how you should handle a claim. If you do have a claim, make sure to seek remote advice from a law firm. They can let you know whether or not you could be eligible for compensation and how your claim will be handled whilst you and your lawyer are working remotely.

What could normally delay my personal injury claim?

Quite honestly, when people ask our solicitors how long a personal injury claim will take, there isn’t really a precise answer we can give in response. Personal injury claims depend on the extent of your injuries and how complicated your claim actually is. Here are several factors that could affect the timeline of your PI claim:

Your accident’s circumstances
How serious your accident was
How long it may take to gather your medical evidence
Whether or not the other party will accept liability for the accident
If you know the identity of the person responsible.

These are only a few of the examples of how your claim could differ from everyone else’s claim. Most of the time, your circumstances are going to be extremely individualized. This is because it depends on the type of accident you have and how difficult the other party acts in relation to the compensation claim. However, there may be more specific delay reasons that relate more the current lockdown. Take a look at our infographic below to find out more about how your claim could be delayed:

Medical Evidence: How do I collect it during the lockdown?

One of the difficulties that you are going to experience is actually collecting the evidence needed to back up your case. With any sort of personal injury claim, you need to show that you were the victim of negligence. So, for instance, if you suffered from a work accident claim, you may want to show that the messy work environment (covered in boxes, packages or any sort of supplies) caused you to trip and fall over. That meant that you suffered from their negligence. They owed you a “duty of care” in order to keep you safe whilst you were in a public area. If they failed to adhere to this, they could be liable for your damages.

With that said, the best way to prove you were not liable for your injuries is through evidence. Evidence can be collected before, during and after the incident. To show you what this means, have a look at our case study below:

You can collect evidence at any time during your case, however with the current lockdown you may struggle to go out and claim it. That’s why we would recommend that you only try to find evidence that is currently accessible. So, this may include photographs of your injuries or perhaps calls with your witnesses in order to collect statements. Collecting a medical report may also be very difficult right now due to the current pandemic. If you are prepared to wait a little longer to claim your report, then you may have to delay your future hearing.

Do you know what sort of evidence that you need to make a claim?

Even if you are only considering starting a case, it’s important that you use your evidence to back up your claim. That way you can show you are not at fault for what happened to you. Even if you want to wait a little while, though this is not what we would suggest, it’s better to have your evidence prepared for when you feel ready to take on a claim. It’s understandable that you may feel nervous about how big of a task this personal injury claim may be. That’s why it’s useful to know that you will always have a solicitor on your side to take the burden off you. All you need to make sure is that you have the evidence to back up your claim. Here are some examples of the evidence you can use if you want to receive a successful pay-out:

Photographs of your injury and the accident
Videos, CCTV evidence and Dash-Cam footage
Witness statements
Diary Entries
Receipts
Police reports
Medical reports
Communication with your insurers

Speak to our solicitors today to learn how they can help you have a successful claim. Just let them know the types of damages that you have suffered from (be they physical, emotional, financial or equipment damages) and your lawyers will be able to take it from there.

How long will it take to get an offer of compensation?

Another thing that you may need to consider when it comes to delays in your personal injury claim is your offer of compensation. It may take a little while to put your case together, however it is a different story when it comes to the compensation offer itself. The offer will depend on the defendant and their insurance company. A lot of the time, an insurance company will make a “low-ball” offer to the claimant. This is in hope that the claimant will accept it in order to get things wrapped up as quickly as possible. You do not need to accept this offer. Instead, if you are patient then you will find that a settlement agreement is offered in order to avoid the case going to court.

It’s also important to understand that in some cases, you may struggle to get a full pay-out. You may have to accept “split liability”, meaning that you both get a smaller pay-out for the damages. Remember, it may take some time to get your case sorted, so be patient and try to keep calm. You can ask your solicitor for any updates you may need in order to sort out any problems with the case. They will always keep you on track and can even help you create a basic time-line of how your case should proceed.

Are the courts still open to make a personal injury claim right now?

Generally speaking, yes! They are. The reason why the UK is experiencing a backlog of court cases is because of the UK’s first lockdown. That means that right now the court system is trying to catch up with the hearings that have already been delayed. In order to compensate for this, it is very likely that your hearing will be changed to an electronic hearing. That means you will have to go online and join a meeting through a video call.

This video call will include your judge and your lawyer. Therefore, you can speak with your lawyer to prepare yourself for the upcoming case. Make sure that you have good Wi-Fi and are settled in a quiet area so that you can hear the outcome of your case. Your solicitor can also work with you if you need any special adjustments made to help you throughout the hearing. That way an outcome can be reached in an appropriate amount of time.

Should I actually make a personal injury claim at this point in time?

Quite honestly, we would recommend that you make a claim right now. The longer you leave a claim, the more likely you are going to lose out on vital evidence that could affect the extent of your pay-out. We understand that you may feel uncomfortable about making a claim during the lockdown, but our solicitors will be here to support you throughout the legal process.

We can handle your claim remotely and ensure you get the advice you need to proceed through phone calls, emails and video calls. Our solicitors are always available to let their clients know updates about how their claims are progressing. All you need to do is ask them about how you can move forward. This can all be done from the safety of your home. That means you will never be put at risk and instead can feel safe whilst you get your compensation claim sorted.

Right now, Gowing law Solicitors is focusing on tax claims, but feel free to get in contact as well if you have a personal injury claim you would like us to help with! For more information on PPI Tax claims and Marriage Tax Claims, click the link below. They will take you to our tax pages where you can see our self-assessment forms. These only take a few minutes to complete. So, why not get started today:

Gowing Law Solicitors can help you with your personal injury claim!

Here at Gowing Law Solicitors, we are proud that we can offer support to all of our clients during this difficult time. No matter what sort of claim you have, our lawyers can give you no-obligation advice and consultations to get you started. If you are happy to work with our lawyers, they can offer you their services on a “no win-no fee” basis. That means there will be no hidden fees and you will always come out on top with your claim. That means you won’t need to pay your solicitor unless we win your case. So, what’s stopping you from getting in touch with us to begin your claim?

Contact us today by calling 0161 464 444, emailing info@gowinglaw.co.uk or by using our claim’s checker. One of our specialists will then be in contact to talk about your claim as quickly as possible.

The top five red flags you are the victim of a mis-sold SIPP scheme

Posted on January 27, 2021 by Hannah Fletcher - Blog, Pension Claims, SIPPs, Uncategorised

If you have been mis-sold a SIPP scheme, you may have lost a significant amount of money from your investment. This can leave you feeling scared and vulnerable. After all, you went into the investment thinking that you were going to increase the amount of your work pension. Instead, you may have been forced into a scheme that was completely unregulated by the Financial Conduct Authority (FCA) and not even realized it! That’s why it’s time for you to get compensation for your lost funds. However, you may feel a little unsure about how you can go about how you can get started with any case of financial mis-selling for SIPPs.

Gowing Law Solicitors can help you with your mis-sold SIPP scheme and make sure that you get the compensation that you deserve. Our team can offer you no-obligation advice and make sure you are always updated about how your claim is progressing. We have even created a quick claims form that you can use to schedule a call with our specialists!

Click on the button below to visit our mis-sold SIPPs page for more information:

What is a Mis-Sold SIPP Scheme?

SIPPs stand for “Self-investment personal pension’s scheme”. They are used to help you invest in certain plans that can add a little extra to your pension pot. A mis-sold SIPP scheme is very similar to a mis-sold pension claim. Initially, you may have invested in order to increase the amount of money received during your retirement years. It’s a very common thing to do, however, we would recommend doing it if you feel as if you have the investment experience to understand what a good investment actually is.

The type of schemes you can invest include new and upcoming projects that could require public investment to get going. Here are some examples of the schemes and assets that you could invest in through SIPPs:

UK and overseas stock
Shares
Investment trusts
OEICs and unit trusts
Insurance bonds
Property

If you don’t have the experience to know what sort of investment would best suit your own needs, it’s important that you speak with an investment advisor in order to get their opinions on how you could increase your pension. Make sure to do your research before you choose the best advisor for you. Always look up their qualifications or ask to speak to them before hand before any sort of contract is signed. That way you can avoid any bad investments before they impact you financially.

A bad investment does not count as a mis-sold SIPP scheme. Instead, you have to have evidence that you were not given clear advice before making your investment. This is what defines your investment as mismanaged.

What is an example of a non-regulated SIPP scheme?

Over the last few years, a number of different non-standard pension investment schemes have been created and offered to UK citizens. Unfortunately, the majority of these schemes ended up being mis-sold as they were non-standard investments. Instead of having a good outcome for the investors, the advisors ended up making a large commission. This meant that the majority of SIPP scheme investors ended up losing a lot of money from their pension, to the extent where it affected their livelihoods.

Some examples of these non-regulated schemes included:

As you can see, there are different types of schemes that may not actually qualify as SIPPs. Instead, they could have been mis-sold to you and forced you to pay out more than you actually needed to. You don’t want to be left vulnerable without your pension. That’s why it’s important that if you actually are the victim of a mis-sold SIPP, you get at least some compensation for it. That way you can feel confident that you will be able to support yourself in the future.

How do I spot a mis-sold SIPP scheme?

As you now understand what it means to be the victim of mis-sold SIPPs, if you are considering investing in a scheme, you need to keep an eye out for some red flags that could distinguish a good investment from a bad investment. To be eligible for a mis-sold SIPP claim, you need to fall into one of the following categories. One of our solicitors can then help you with your claim or you can seek advice from the FCA to see if it is a SIPP that they have already been alerted to it.

You can also click the button below to visit our mis-sold pensions form:

1. Your financial advisor was not as experienced as you thought

To be a successful financial advisor, you must go through training, get certain qualifications and also have experience in the field. That way the clients know that they are in safe hands when they turn to the investor for help. Unfortunately, this is not always the case. In some cases, the advisor may have not had the experience that you thought they had. Instead, they could have lied about their qualifications in order to secure new clients or to get you to invest in a certain scheme.

If you are going to invest on someone else’s advice then make sure that they are qualified to give it. That way you can feel secure that they are telling you the truth. You can also do your own research into the investments they suggest. That way you can feel more confident in their abilities and are not giving your money away without knowing the full facts.

2. There were more risks to your chosen SIPP scheme than were explained to you

When you pick a SIPP scheme to invest in, it’s important that your advisor tells you all of the risks that are associated with it. This includes how much you may lose if the scheme ends up folding or if there are any changes to the scheme. Your advisor should be willing to give you information on the full contract and what the potential problems are. That way you can be flexible and make a choice surrounding which scheme you actually want to invest in.

If you get pushed into a certain scheme instead of making your own choice, it could look as if you were forced into it. This is not allowed and you have the right to let the FCA know about it. You were pressurised into a certain scheme without knowing the full risk. Therefore, your advisor mis-sold you a SIPP scheme.

3. Your advisor received a commission for getting you involved in the scheme

A clear sign that you have become the victim of a mis-sold SIPP scheme is when your advisor has made a profit on your investment. Sometimes large SIPP schemes and companies pay off third parties to advise people to join the scheme. However, the investor does not know this until it is too late. This is why you may think that they are picking schemes that are personalized to you and your financial situation, but in reality they are trying to get the best deal for themselves. Sometimes, you may even find that you are cold-called out of the blue about specific schemes that get the advisor a commission.

A common trick is that one party will pass you on to another in order to convince you that the scheme is completely legitimate. Instead, they work for the same company and simply wish to secure a deal. You may also find that the details about the company are very vague, but the fees to join the scheme are extremely high. It is very likely that these type of schemes may dissolve before you see any return on your original investment.

4. You were not told how your money was going to be invested

Sometimes when you invest your money in certain schemes, you don’t actually know where it is going to be invested. You may initially think it is going into legitimate projects, but then find it was actually sent elsewhere. For instance, you may have thought that your SIPP was invested in hotels that were going to be created around Europe. However, years later these hotels still have not been created and you have not seen a return on your money. This is a sign that it may have been invested elsewhere or could have gone into the pockets of unscrupulous business people. This is a clear sign that you have become the victim of a mis-sold SIPP scheme.

Before you go into any sort of SIPP scheme, you must find out as many details as possible about the scheme. That way you can feel good knowing that you have made a solid investment without there being a chance of repercussion on you or your pension. If you want to know a fact, ask as many times as you like. If you cannot get an answer you are satisfied with, it is wise that you find a different scheme to invest in.

5. You were told to transfer your work pension into a SIPP scheme

Sometimes people dabble in investing in smaller schemes, but don’t actually have any interest in changing their work-place pension or fully investing their entire pension into a scheme. However, you may have done this if your financial advisor told you to. Despite having plans to simply remain in the same pension as you originally built up, this can look like an act of pressure if you did not want to actually make an investment in a certain scheme. This is an obvious sign that you have been mis-sold a SIPP scheme. In fact, it can go a step further and make it look as if you were forced to give up your money, depending on the circumstances of your investment.

If this has happened to you and you feel as if you were forced, do not sit in silence. Instead, let our solicitors or the FCA know exactly what happened. They can help you claim compensation for what has happened to you.

How can I prove that I was mis-sold a SIPP scheme?

The best way to prove that you were eligible to make a claim when you were mis-sold a SIPP scheme is through your evidence. You need to be able to show that you received unsuitable advice from your advisor. That way you suffered a financial loss due your investment (aka. because of their advice.) If you can show that the advice caused you to experience extreme financial damages, you can prove that you deserve compensation. You may not be able to get your full pension returned to you, but you will be able to get help. We understand that you can feel vulnerable and afraid after this sort of thing has happened. But our solicitors will be here to help you through this difficult time.

Start on your mis-sold SIPP scheme claim today!

Here at Gowing Law Solicitors, we want to help as many people. That way they can get compensation for their mis-sold SIPP claim. Our specialists are here to give you no-obligation advice and consultations to get started. If you are happy to move forward with the claim, our solicitors can work with you on a “no win-no fee” basis. That means you will always come out on top. You will never need to pay any hidden fees. Instead, our solicitors will be upfront about their costs. You will only need to pay them if they win your case for you.

Contact Gowing Law Solicitors today by calling 0800 041 8350, emailing info@gowinglaw.co.uk or by using our claims checker. One of our claims specialists will then be in contact as quickly as possible to discuss your claim. Feel free to direct any questions towards them.

Learn more about mis-sold SIPPs claims now

If you want to learn more about this sort of financial mis-selling, the best place to look is our blog. We update it with the latest information about personal injuries and tax claims. The blog has brand new content every single week. So keep an eye to see what we have wrote about this week. Occasionally, you may see additional content about our competitions and seasonal events. If you cannot find the content that will answer your questions, feel free to write in to let us know. We would be more than happy to create blogs about your suggestions. Send in your questions to info@gowinglaw.co.uk. You can also keep an eye on our social media to watch our informative videos and posts.

We look forward to seeing you in our next blog.

Why do I need a solicitor to help me with my PPI Tax Claim?

Posted on January 25, 2021 by Hannah Fletcher - Blog, PPI Tax refunds, Uncategorised

Making a PPI Tax Claim can be frustrating to claimants when they are unsure of the claims process. If you originally received a PPI pay-out, you may have assumed that was it. HMRC had returned the money that was owed and you would never need to hear about the word PPI ever again. Unfortunately, as it has been proven that 20% of PPI pay-outs may have been automatically taken away by your bank, it seems as if you are destined to make another claim in order to try and get your tax returned to you in good time.

Dealing with any type of tax claim on your own may leave you with hundreds of questions and worries. That’s why it is always useful to have the help of a PPI tax specialist on hand instead of going about the claim on your own. With the help of a specialist law firm, you can avoid making mistakes and issues that could invalidate the claim and make the process more difficult to deal with.

Over the last year, Gowing Law Solicitors has been able to reclaim around £10,000 in rebates for our clients. We are ready to do the same for you as well! To get started, all you need to do is call 0800 041 8350 or visit our claims page below:

The Basics of PPI Tax Claims

Before we jump into how a solicitor can help you move forward with your PPI tax claim, we should talk a little about what PPI tax claims are all about. That way you can understand why you are owed a pay-out in the first place. PPI stands for “Payment Protection Insurance”. Originally, it was used as a safety net for those who took out payment plans (such as credit cards and loans) and needed extra funds to keep up with expenses. However, as it did not provide a pay-out that could fully pay back a bill, it actually ended up being relatively useless. In most cases, PPI was actually mis-sold to different clients around the UK. This mis-selling could have been due to:

The person being self-employed or now living abroad
The person being pressurised to buy the policy
The PPI automatically being included in the policy
The client not knowing that they had bought PPI

This is why you received a pay-out from HMRC when It was found out that the policy was mis-sold. The compensation was made up of your PPI pay-out, any interest that was added to PPI by your bank and a statutory interest of 8% each year. If you have lost out on some of your pay-out, it is most likely that it was taken as tax from you as statutory interest. You can claim this back by creating a PPI Tax claim with the specialists from Gowing Law Solicitors.

Why did I have my tax taken off in the first place?

So as we said before, there are three main components that make up your PPI pay-out. The tax is taken away due to your statutory interest of 8%. Now, originally your PPI pay-out was supposed to get you back to what you originally should have been at financially. You lost money because of your PPI payments and this pay-out is supposed to get you back to the amount you were estimated to be at. However, if it is believed that the pay-out will actually push you over your personal savings allowance then this is what may have been the reason that your tax was taken off you in the first the place.

However, keep in mind that this could have been done be mistake. There is also a chance that it could have been taken away automatically by your bank. That means you could have had around 20% deducted without any reason. This is why it is crucial that you get a tax specialist from Gowing Law Solicitors to help you get this tax back. They can work with HMRC on your behalf to make sure that you get the pay-out that you deserve.

How can a solicitor help me with my PPI Tax Claim?

Tax claims can get pretty complicated. The same can be said about making a PPI tax claim. You may feel as if you can handle it on your own, but at the same time there are lots of small mistakes that could invalidate your claim and leave you feeling confused as why HMRC did not accept your application. This is why it is important that you get the help of a specialist tax claims solicitor on your side. They can ensure that you get the pay-out that you deserve. Have a look at our infographic below to get an idea of some additional benefits of having a tax specialist help with your claim:

As you can see, our solicitors can help you in many ways if you are trying to sort out a PPI tax claim. They will work with HMRC on your behalf and fill out any paperwork that will ensure that your claim is settled. Our trained team of solicitors can talk you through your claim and make sure that you are kept updated about what stage your PPI tax claim is at. It can get frustrating to have your claim invalidated. That’s why we want to work alongside you to ensure that you get the pay-out that you deserve. Our claims team can help you even if you have already been rejected for your PPI tax. We will make sure to get you the pay-out that you deserve.

PPI Tax Claims Solicitors & Updates

We understand that our clients may feel a little unsure about taking on a PPI tax claim on their own. They may not have the legal experience to get a successful claim or even know where to start. This is why we want to help our clients as much as possible. Unless you are subscribed to all of the biggest UK legal channels and websites, you may not be able to keep up with the latest law changes. With Brexit potentially having the influence to change UK laws in the near-future, you may feel worried that your claim could be affected by something that you do not fully understand or know about.

This is where a trained tax expert can help you. Our law firm can give you free advice and consultations about any sort of claim. This is with no-obligations attached. Instead, we just want to help you keep informed about whether or not the latest legal updates could affect the status of your claim. That way you can decide for yourself whether or not you think it is worth pursuing it. Our PPI Tax Claim Solicitors are here to help. They have the experience you need to achieve a successful compensation claim.

What should I do if I have already been told I cannot make a PPI Tax claim?

The first thing that you should avoid doing is panicking. We understand that it can be a disappointing experience being told you are not valid for a pay-out. However, there is hope that you were only rejected because of some form of invalidation. Mistakes can be easily made on a PPI tax form. It could have been something as simple as filling out your wage incorrectly or any other personal details. That’s why it is wise for you to go to a PPI tax specialist for help. So far over the last year we have managed to collect £10,000 in rebates for our clients. We are aiming to do even better this year. That’s why we also help our clients who have already been rejected by HMRC. Overall, we are determined to help you get a valid pay-out.

How will I receive my PPI tax claim pay-out?

Once we have successfully negotiated with HMRC about your PPI tax claim, the pay-out should be sent as a cheque. You will receive a letter to confirm that it is being sent out. Once we receive the cheque then we will sent it to you in the mail. You can then deposit it in your bank and feel settled knowing that your claim has been sorted efficiently and quickly.

How much can I receive from successful PPI Tax Claims?

This is where it gets a little tricky. Whenever someone gets a pay-out, the amount they get entirely depends on their own personal circumstances. So, someone who paid a higher amount of tax is more likely to get a higher pay-out. It also depends on the person’s own personal savings allowance and how much they have gone over it. Take a look below to get an idea of how much you could claim:

Top Rate Payers (45%): Unfortunately, you will not eligible for a PPI tax rebate
High Rate Payers (40%): You could earn up to £500 completely tax free
Basic Rate Payers (20%): You could earn up to £1000 completely tax free

If you have had around 20% of tax taken away from your pay-out, there is a chance you could claim it back by proving that you did not go over your personal savings allowance. Your solicitor will be there to help you gather evidence and ensure that you get the pay-out that you deserve. All you need to do is let them know exactly how much you have had taken from your pay-out. They can then work with HMRC on your behalf to ensure that you get the compensation that you deserve.

Be aware of court delays!

As you may have read in our image before, there is a chance that there could be delays with your claim. The current lockdown has caused several delays in the UK Court system. That means that there could be a chance that you have to wait a little longer in order to have a successful claim. Please be patient with your tax claims specialist. They will do their best to ensure that you get the pay-out that you deserve. However, it may just take a bit more time than expected. Our lawyers would be more than happy to keep giving you updates on what is happening with your claim. Just get in contact to find out more from your own PPI tax claim solicitor.

Speak to a Tax Claim Specialist today from Gowing Law Solicitors

If you are ready to get your PPI Tax Claim sorted with the help of a trained tax specialist, our team from Gowing Law Solicitors will be here to help you. We want to get you the pay-out that you deserve to ensure that you no longer need to worry about this type of tax claim in the future.

To get started with your claim, or to find out more information about your PPI Tax Claim, you can come to our solicitors for no-obligation advice and consultations. They will guide you through the claims process and ensure you know how much you can claim. If you are happy to work with our team, we can offer our services on a “no win-no fee” basis. That means you will not need to pay any hidden fees and will always come out on top. You will only need to pay our solicitors if you have a successful claim.

Contact our solicitors today to begin your claim. Call 0800 041 8350, email info@gowinglaw.co.uk or use our claims checker to get started today!

Personal Injury Claims: Will I need to go to court?

Posted on January 22, 2021 by Hannah Fletcher - Accidents in Public, Blog, Covid-19, Uncategorised

Personal injury claims are the best way to get a compensation pay-out if you have been hurt due to someone else’s negligence. No one goes out expecting to get hurt. Whether you were hurt in a work accident or you were hurt in a public place (like a store), you have suffered from injuries that were not your fault. That means you are entitled to compensation in order to help you recover from your damages. However, with the current lockdown in place, your worries may not actually be about your injuries. Instead, you may be worried that you are asked to go in to court if a settlement agreement cannot be reached.

If you are worried about the prospect of catching Covid-19 by leaving your home for court, we understand that you may be considering stopping your claim and starting it again at a later date. However, we would advise against this. The longer you leave your claim, the less likely that it will be valid in the future. You may also lose vital evidence that could impact the amount of pay-out you receive from any sort of settlement agreement.

Here at Gowing Law Solicitors, we will be here to support you throughout any claim you have. Whether that is a tax claim or personal injury claim, our specialists will give you tailored advice that can ensure you feel good about how your claim is being handled. Our lawyers will give you advice on how to adhere to social-distancing regulations whilst your claim is sorted. That way you can get your pay-out in a reasonable time. Learn more about starting your claim with the help of our claims checker:

What is happening within the UK court system right now?

As the UK has entered its third lockdown, it is crucial that everyone adheres to remaining at home. The only reason that you should be travelling is for essential reasons. Unfortunately, this means that there is going to be an impact on the lives of people all over the UK. For those who have experienced a personal injury and are undertaking a claim, it may make it more complicated for collecting evidence or setting up meetings with other people involved in the accident. This has only been made worse with the delay in the UK court system.

Recently the UK court system has been dealing with a backlog of cases. As the courts closed during the first lockdown, this meant that compensation claims were pushed back in order to accommodate the new social-distancing laws. This has meant that it has caused problems in the future. Due to the backlog, the courts struggled to find time to make sure that clients could be rescheduled without it impacting other court cases. This is what may have happened to you during the lockdown. If you are a victim of the backlog, it may be wise to get a solicitor on your side to help you get back in control of the case. They can assist you with the organization of your case and make sure any deadlines are adhered to. They can also let you know the most current updates about how your personal injury claim is progressing.

What should I do if I have suffered from a personal injury?

If you have recently got hurt in an accident that was not your fault, you could be eligible to make a claim with the help of a personal injury claims solicitor. Whether it was at work or you got hurt in a public space, the negligence of someone else has caused you substantial injuries that could change your life for the worst. In a public space, the owner or staff owe you a “duty of care”. That means they have to do everything possible in order to keep you safe. Unfortunately, you could still get hurt if:

They have not been trained
You were in a messy area prone to accidents (i.e. falling boxes or merchandise)
There were slippery areas that were not marked
You were forced to interact with violent staff/customers

Now, the amount you get from any sort of personal injury claims depends on the extent of your injuries. For instance, if you ended up hurting your legs and found out that you would need a wheel chair to move around for the long-term future, this would end up getting you a higher pay-out than if you suffered from a few cuts and bruises. The extent of a pay-out from personal injury claims depends on the damages you have suffered and the evidence you have. Your physical damages are one thing, but you can also suffer from emotional damages, financial damages, equipment damages and loss of opportunity. You will need evidence to prove you have been hurt. Check out the infographic below to see what type of evidence could back up your claim:

Personal Injury Claims: How do I get the best pay-out possible?

Having talked about how you could be eligible when making personal injury claims, it’s now important that you understand the best way to make a strong claim in general. When you get hurt due to someone else’s negligence, you suffer from damages. To be eligible for a claim, you must have experienced physical damages in the form of an injury. But you could have also suffered from:

Emotional Damages
Financial Damages
Equipment Damages
Loss of Opportunity

If you have experienced any sort of damages or are hurt in an accident, the first thing you should do is alert the staff of the public space. They can give you help, call an ambulance and also note down your personal injury in their work accident book. The most essential thing you need is medical attention. Having a doctor check you over can prove that you were hurt due the negligence of someone else. It can also ensure that you don’t suffer any further damages. If you are well enough, don’t forget to collect evidence. But remember, your health is the main priority when it comes to your claim.

If you follow these instructions, you should be able to help your solicitor create a strong claim before you decide on your settlement agreement. They will be there to support you through any sort of personal injury claims.

What can I do to collect personal injury claims evidence during lockdown?

Right now, you may be thinking about how you can continue with a claim throughout lockdown. You are not supposed to be going anywhere outside of your home unless it is for essential travel. That’s why you may feel concerned that this could affect your claim. For instance, you may be struggling to get a medical report in decent time. You may also be struggling to find evidence in general due being unable to leave your home.

We would advise that you do as much as you can without putting yourself in danger. Evidence for your claim can appear before, during and after the incident. Collect what can be collected without breaking any rules. For instance, if you want a medical report, be prepared for delays depending on the availability of your doctor. You may need to focus on damages that are affecting you in the present, such as financial damages or images of your injuries. If you have witnesses, make sure to have their contact details so you can electronically contact them about making a witness statement. The best way to do this is through e-mail so they can be clear about what happened during the accident.

Will I need to go to court during the lockdown if I make a personal injury claim?

As the UK is currently experiencing a backlog in court cases, you may find that it is not necessary for you to go to court to get your claim sorted. In most cases, you will not need to go to court to get your compensation negotiated. Instead, you, your solicitor, the other party and their insurer can sit down and talk about compensation through a settlement agreement. This means everything can be sorted internally and you will not need to put yourself at risk.

If you do need to go to court, your lawyer will help you make sure that everything is scheduled appropriately. It is likely that instead of going into a physical building, you will be asked to attend an electronic/remote hearing. You can prepare for a remote hearing by:

Making sure you have a laptop that has a video and audio connection
Ensuring you have strong Wi-Fi that can connect you to the internet
Checking whether or not you can bring support into the hearing
Making sure you are able to sit comfortably in a quiet area to you can hear everything that goes on during the hearing

You should also try to speak clearly so the judge can understand you. If you cannot understand the people on the call, due to bad Wi-Fi, make sure to alert the judge to this. Your solicitor can give you more advice to prepare for any sort of remote court case in the future.

How long will it take to make personal injury claims during lockdown?

As we are currently in the middle of a pandemic and lockdown, you will find that it will take longer to make any sort of claim. This is due to the backlog of court cases. So, keep in mind that the longer you leave your claim, the more likely it is that it will take longer to get a pay-out. A lot of the cases that have been pushed back are now taking priority. That’s why we think it is essential that you speak with a lawyer as quickly as possible. That way they can start scheduling your claim and making sure that you get the pay-out that you deserve.

We would just like to state that the schedule of any sort of personal injury claims depend on the complexity of the case. For instance, if the other party does not accept responsibility for your accident, you will find that the claim will take longer than anticipated. That is because you need to speak to your solicitor about scheduling meetings, collecting evidence and getting a court date booked. Keep this in mind when you talk to your solicitor about your claim. They will be very grateful for your patience. Feel free to keep checking in and asking for updates about the claim. They would be happy to give as much information to you as possible.

Will I be able to still get a pay-out during the lockdown?

Personal injury claims are the best way to get the compensation that you deserve for any accidents that were not your fault. If you have a successful claim, the amount you get will depend on the extent of your injuries and damages. Even if you cannot go into court physically, you will still get the pay-out you deserve. Your solicitor will make sure that you receive your cheque as soon as possible. But keep in mind with the delays to Royal Mail, it may take a little longer than anticipated. So, remain patient and feel free to ask for updates as many times as you like.

Gowing Law Solicitors is here to help you with your personal injury claims

Here at Gowing Law Solicitors, we are proud that we can still help our clients throughout lockdown. We understand that you may feel intimidated by the idea of making a personal injury claim during lockdown. But our solicitors and law firm will be here to support you throughout the claim. We can offer you no-obligation advice and consultations to get started. If you are happy to work with us, we can offer our help on a “no win-no fee” basis. That means you will not need to pay any hidden fees and will always come out on top. You will only need to pay our solicitors if we win your case.

If you are ready to get started with our lawyers, contact us today to learn more about your claim. Call us today at 0800 041 8350, email info@gowinglaw.co.uk or use our LiveChat to quickly speak to one of our legal experts. We will do our best to answer any questions that you may have about your future claim.

Let’s Get Legal: Weekly Expert Law Advice (Part 1)

Posted on January 20, 2021 by Hannah Fletcher - Accidents in Public, Blog, Let's Get Legal, marriage tax, Pension Claims, PPI Tax refunds, Uncategorised, Wills

Expert law advice can be hard to come by when you are faced with a personal injury claim or tax claim. With the amount of law firms competing for your attention, it can be difficult to figure out who to turn to in your time of need. This is where Gowing Law Solicitors wants to step in to help. Not only can our solicitors give you the help you need for any type of claim, but they can work on your behalf to ensure that you get the best outcome and pay-out.

Throughout the lockdown, Gowing Law Solicitors has made sure to produce informative blogs and content that can keep you updated about UK legal issues and facts about personal injury claims and tax claims. If you are struggling with a legal claim in the lockdown, it’s more important than ever that you get the expert law advice of a solicitor. In order to help you understand the basics of claims, Gowing Law has now started to produce some mini videos to answer some more specific questions from our clients. These can be found on our social media and our latest blog series: “Let’s Get Legal”.

Don’t forget! If you want to move forward with your claim, Gowing Law’s Solicitors will be here to help you. Call us on 0800 041 8350 or use our claims checker below to get started:

What sort of expert law advice will this series show?

Here at Gowing Law Solicitors, our weekly expert law advice will focus on the different claims our teams handle as a whole. Right now, we are focused on marriage tax claims and PPI tax claims. However, throughout the lockdown we are still here to help you with any sort of personal injury claim or interest in writing a will.

The mini-series surrounding expert law advice will consist of around 5 small videos that are uploaded every week, with additional content added to explain their themes in more depth. These videos may be about current events, such as the pandemic, the lockdown or the backlog of UK court cases. We will also discuss more specific questions about tax and personal injury claims. There may be also a few videos that consist of updates about our law firm.

These videos will serve to help you on your legal journey and also help you to understand the basics of your claims. If you want to send in a suggestion, feel free to do so by emailing info@gowinglaw.co.uk. We would be more than happy to answer your questions.

Where can I learn more information about the topics that you discuss?

Quite honestly, the best place that you can go to see more in-depth content and expert law advice is Gowing Law’s Blog. We keep it updated with the latest claims information. There is lots of content that can show you how to prepare for a case and what sort of evidence you are going to need to get a valid pay-out. We also updated with seasonal events and topics. So, it’s the best place to learn more about how we can help you. Keep an eye on it to learn the latest of Gowing Law’s advice.

If you are seeking more personalized advice, we would recommend that you speak to one of our legal specialists. They will listen to your story and give you advice based on your own circumstances. That way you can figure out whether or not you want to move ahead with your claim. To speak to them today, you can use our LiveChat or you can call our number, 0800 041 8350.

With that said, let’s dive straight into this latest series of “Let’s get Legal.” Remember, if you
want more information on the topics we’ve discussed, don’t hesitate to contact us about them.

What are the signs that you have been mis-sold your pension?

When you have reached your golden years, there’s nothing you are going to want more than to start to settle down and finally retire. That way you can start enjoying yourself and pursuing passions that you have put on hold to focus on your family, job and financial matters. That’s why you need to make sure that you pick a retirement plan that can help you maintain your lifestyle.

There are three types of pensions plans that you can pick from. These are a state pension, a defined pension scheme and a defined pension contribution. Make sure to research these thoroughly before you make your choice on which pension plan you want. If you want to invest your pension into a scheme to increase it, there is a chance that your investment advisor may end up misleading you. Gowing Law Solicitors can help you with any sort of pension mis-selling claim. That’s why we want to point out some examples of pension mis-selling that could make you lose money:

You were cold called about your pension
Your investment advisor lied about their experience
There was no paperwork or contract to sign
Your advisor made a commission by recommending a certain scheme
The plan ended up being a tax avoidance scheme
You were forced into investing in the scheme

These are only a few of the reasons how you could have been mis-sold a pension. Our video contains a few additional examples of how you could have been mis-sold. If you do end up being mis-sold a pension scheme, Gowing Law Solicitors can help you try and recover some of your losses through compensation. Your evidence can include correspondence between yourself and your investor and the lack of a contract. For more information please see our mis-sold pensions page:

Why did my PPI pay-out get taxed in the first place?

One of the latest claims that we have been working on for our clients over the last year are PPI tax claims. So far we have managed to claim around £10,000 in total for our clients over the last year. However, you may be wondering why your PPI pay-out had tax taken away from it in the first place.

Originally, PPI was used as a safety blanket for those who took out financial loans and could not pay the money back. But in most cases the policy was mis-sold, therefore the UK public received a pay-out from HMRC. This pay-out consisted of:

The payments for your PPI
Any interest that was added onto the PPI payments from your bank
A statutory interest of 8% per year

The pay-out was used to get you back to what you should have financially been at before you were forced to pay PPI. However, if it was suspected that you went over your personal savings allowance (PSA), your statutory interest may have been taxed. Unfortunately, this may have been an incorrect assessment, and tax could have been deducted by mistake, or it could have been automatically deducted at 20%.

You can claim this back with the help of Gowing Law Solicitors. Our PPI tax self-assessment form only takes a few seconds to complete! Why not take a look at it below?

Will my job change affect my marriage tax claim?

Another tax claim that we have been focused on are marriage tax claims. Did you know that 50% of married couples and civil partners are eligible for a marriage tax, but just don’t know about it? Gowing Law Solicitors is determined to make our clients aware that they could get a discount on their future tax. They could also get a pay-out for any excess tax that they have paid over the last 4 years.

Right now, the lockdown may be causing you a lot of issues about money and your job, especially if you have recently been put on furlough or have a business that is currently closed down. You may also be worried if you have a zero-hour contract or are self-employed.

First things first, to be eligible for a marriage tax claim you and your partner need to fulfil three criteria:

Unfortunately, if your job does change then it might impact your tax bracket and the wage you receive. One partner must pay basic tax and then the other must not pay any sort of tax. If your claim has already been agreed on by HMRC then it may not impact you. However, if you have just started your claim then there is potential for the claim to be invalidated. The reason why it could be affected is because one partner must have an excess PSA (from not paying basic tax) whilst the other must not. That way the PSA transfer can be made between the two.

We have gone into more detail on marriage tax claims and jobs in our latest marriage tax blog, but the best way to see if you’re eligible is to speak to a tax specialist from Gowing Law Solicitors. That way you can get the best expert law advice possible. Click on the link below to learn more about these type of tax claims:

Can I still make an accident at work claim if I am now working remotely?

Nowadays, as the majority of our UK clients have been remotely working since the start of the pandemic, if they have previously suffered an accident at work (for instance in the work environment), then they may not feel comfortable enough to move forward with their claim.

Now, obviously you cannot make a claim if you get hurt whilst working from home. Your employer does not have responsibility over your own home, therefore you cannot make a valid claim. However, if you got hurt due to the negligence of your manager or employer before the lockdown occurred, you could be eligible for a compensation pay-out.

The amount you get depends on the extent of your injuries and the extent of the negligence.

Examples of negligence may include:

A lack of safety training
Forcing you to work in a messy environment
Asking you to do physical tasks that you are not employed to do
Making you do repetitive tasks that could increase your chance of stain injuries
Putting you at risk of violent customers/clients

These are only a few ways that you could suffer from the negligence of your employer. The worse your physical injuries are, the more likely that you are going to receive a higher pay-out. Gowing Law Solicitors can help you with any sort of work accident throughout the lockdown. All of our lawyers currently work from home, therefore you will find that we are always available to make sure you can get the pay-out that you deserve.

Click the link below to learn more about work accident claims:

Can I only claim for physical damages in a personal injury claim?

This is the type of question that applies to the majority of personal injury claims you may encounter. The amount of compensation you receive will depend on the extent of your injuries. So, if you experienced a life changing injury, it is very likely that you will get a higher amount of compensation.

Did you know as well that there are additional damages that could add to your overall pay-out? This includes:

Emotional damages
Equipment damages
Financial damages
Loss of opportunity

If you have experienced any losses outside of your physical injuries, you may be eligible to receive a larger pay-out. Make sure to keep evidence of your losses to show how they affected your life. That way you can show the person responsible that you do have proof of their negligence. It will also be useful if you end up going to court to have your compensation sorted.

Find out more about personal injury claims and damages by clicking the link below:

Contact Gowing Law Solicitors to get started with your claim!

Here at Gowing Law Solicitors, we are proud that we can provide our clients with expert law advice when they need it the most. That way they can feel comfortable about making a claim with us. All of our consultations and help is no-obligation. This means it is free and you can come to talk to our specialists as much as you like. If you are happy to work with our lawyers, we can offer our services on a “no win-no fee” basis. That means you will always come out on top even if we do not win your case. You will only need to pay our lawyers’ fees if we win you your compensation!

Contact us today by calling 0800 041 8350, emailing info@gowinglaw.co.uk or by talking to us through our LiveChat. One of our specialists will then be in contact as quickly as possible.

Follow our social media to receive more expert law advice

If you want to keep updated about this series, our seasonal events and competitions, make sure to follow our Twitter and our Facebook. That way you can be the first to see what our law firm is up to. Click the links below to see more:

Will my marriage tax claim be affected by my job status?

Posted on January 15, 2021 by Hannah Fletcher - Blog, Covid-19, marriage tax, Uncategorised

Being eligible for a marriage tax claim means that there is potential for you to get a tax discount and pay-out! This year, our law firm and its tax specialists have been focused on helping our clients understand if they could be eligible for this type of claim. Tax claims may seem a little complicated, but if you have a legal specialist on your side, they can help you understand how you could get a valid pay-out in a reasonable time. Our tax specialists will make sure to guide you through the tax claims process and speak to HMRC on your behalf. That way you can sit back, relax and wait your pay-out to be sent to you in the post.

Now, we have many blogs on the basics of marriage tax claims and PPI tax claims, however, we want to use this blog to try and answer some specific questions that you may have when you make a marriage tax claim. One of the biggest ones you may have is whether or not your claim could be affected by your job. The pandemic has seen us all go through some difficult times. Therefore, you may be feeling a little unsure about whether you are employed, are currently furloughed or perhaps are on the hunt for new employment.

Either way, our staff will be here to guide you throughout your claim with expert advice. So, why not get started with your claim today? Click the button below to visit our marriage tax claim page.

Can I make a marriage tax claim during the UK lockdown?

As the UK has just gone into its third lockdown, it is crucial that people stay home as much as they can and only go out for essential travel. This will hopefully prevent Covid-19 from spreading from person to person. Due to this lockdown, a number of non-essential retail providers have been forced to close until the government believes it is safe for them to re-open. This is why you may be wondering how Gowing Law Solicitors is still conducting business. Well, currently, all of our staff and legal specialists have actually been working remotely since April 2020. That’s why you will find that we have experienced no struggles or claims disruptions with this new lockdown. Instead we are focused on helping you sort out your claim to make sure you get a pay-out that you deserve.

How can Gowing Law Solicitors help you?

With that said, another fear you have about the current lockdown is that the lockdown will prevent you from having a valid marriage tax claim. You can’t leave the house and you may have too many private issues that requires more focus than a tax claim. However, if you do have the time to make a tax claim then we recommend that you work with us to make sure that you get a pay-out. Gowing Law Solicitors can keep in contact with you through phone calls, emails and video calls.

If we do require you to sign any paperwork then we can give you social-distancing help to make sure it is handled responsibly. However, for a marriage tax claim, you can rely on your solicitor to do all of the hard work for you. All you need to do is give them a few key details about your marital status and how much you earn/pay in tax and they can go forward with your claim! It’s that simple and only takes a few minutes to fill out marriage tax self-assessment. So, why not get started today? You can relax and stay at home and let our tax specialists do all the hard work to get you your money back.

What is a marriage tax claim all about?

Before we jump into whether or not your job will affect your marriage tax claim, let’s have a brief discussion about the basics of the claim itself. Marriage tax claims are also known as a tax break. Throughout your lives, you and your partner are going to be paying tax each year for public services, any businesses that you own and any additional welfare projects. A marriage tax claim will allow you to transfer over a small portion of your personal savings allowance to your partner (or vice versa) to receive a discount on the tax you pay. It may also entitle you to a refund of any excess tax that you (or your partner) has paid over the last few years.

What could make me eligible for a marriage tax claim?

Before we jump into whether or not your job could affect your marriage tax claim, there is one more thing we need to cover. That is your eligibility to have a successful tax break. There are three criteria that you need to fulfil if you are going have a claim. Keep in mind that you will need to be able to say yes to each of the criteria if you are going to have a valid claim. This includes paying a certain amount of tax.

Check out the infographic below to get an idea of how you could be eligible for a marriage tax claim:

As you can see, the tax you pay does play a big part in whether or not you could make a valid tax claim. The reason why you and your partner need to either pay no tax or basic tax is due to the fact that a PSA transfer needs to happen. The lower earner will most likely have an excess allowance that can be transferred to the basic tax payer, who has not gone over their allowance. The transfer will allow the higher earner to get a discount on their tax. They will even be allowed to backdate their claim for up to 4 years. Take a look below to get an idea of how much you could earn as an overall pay-out:

£212: 2015-2016
£220: 2016-2017
£230: 2017-2018
£238: 2018-2019
£250: 2020-2021

Will my job status affect my marriage tax claim?

Now that you understand a little more about marriage tax claims, it’s important that we go back to the original question that you came to this blog to be answered: Will my job affect my claim? In this case, yes it could.

As you saw before, both you and your partner will need to fall into certain tax brackets. That way you can successfully make the claim. To be more specific, one partner will need to pay basic tax and the other must not be paying tax. That way the PSA transfer can be made without any problems. However, if one of the partners suddenly has a change in income, it is likely that this will change the amount of tax they pay. It is therefore likely that they may no longer be eligible to make a claim.

During this pandemic, many people have unfortunately lost their jobs or have been put on furlough in order to keep them in employment. That is why you may feel unsure about whether or not it is worth making a claim. If you are worried about how your sudden job change may affect your claim, it’s best to ask your legal counsel about it. They can let you know if it’s worth pursuing the claim or if it would be best to cancel it.

What should I do if my job status changes when I make my marriage tax claim?

Don’t panic! The changes may not affect your claim immediately. However it does depend on how far along it has gone. If HMRC has agreed on a pay-out, you will not have anything to worry about. Instead it will be sent out to you as planned. However, if your solicitor is still speaking with HMRC on your behalf and negotiating the pay-out, you may find that it changes depending on which tax bracket you have moved to.

It’s important to tell your solicitor as quickly as possible if your wage or tax bracket changes. This is because it could have an effect on your claim. The faster you tell your lawyer, the faster they can make alterations to your claim or let you know that they can no longer progress with the claim.

Can I make a marriage tax claim if I am self-employed or work on a zero hours contract?

Yes you can! Overall, the amount of wage you and your partner get will affect your eligibility to make a claim. However, if you pay basic tax and your partner does not then you could get a successful tax break. It doesn’t matter the type of job you have. You should be able to get a pay-out, as long as you and your partner fall into one of the tax categories. If you still feel a little uncomfortable about making a claim ask your solicitor for help. They can give you personalized advice. Our solicitors will make you feel comfortable before you decide to move forward with your claim.

Will I be able to make a claim if I am on furlough?

Yes! You should be able to. Although your furlough may have reduced your wage, you are still in employment. You signed a contract that shows how much you should be earning per year. Your claim can be based on your original pay. Therefore you can use your contract to show that you do fall into a certain tax bracket. Our solicitors can then move forward with your claim and work with HMRC on your behalf.

If your wage is constantly changing due to the pandemic, it is also worth bringing this up with your solicitor. You need to be able to prove that you fall into a certain tax bracket. That way you can claim the discount, so inform your lawyer of what is happening to you. They can advise you on the best way to proceed with the claim.

Gowing Law Solicitors can help you with your marriage tax claim

Here at Gowing Law Solicitors, we want to make sure that you feel comfortable. That way you will feel good about making a marriage tax claim. You may feel uncomfortable due to the pandemic and the lockdown. It’s completely understandable. Everyone has their own personal problems to contend with; that’s why we want to give you peace of mind when it comes to your tax claims. Our solicitors can offer you free advice and consultations to answer all of your questions. If you are happy to work with our lawyers, feel free to let us know! We can offer our legal services on a “no win, no fee” basis. That means you will never need to pay any hidden fees. Therefore, you will always come out on top.

If you are ready to speak to us about your claim, call us today on 0800 041 8350, email info@gowinglaw.co.uk or use our claims checker. From there, one of our legal specialists will get in contact with you. This will be as quickly as possible to help you claim your pay-out.

Learn more about marriage tax claims in our blog

Here at Gowing Law, we are extremely proud of our blog. We keep it updated with the latest content about legal claims, UK law and seasonal events. Our law firm’s blog talks about the basics of different tax and personal injury claims. You will find that we also write about important themed day to raise awareness of them. We also add content about our giveaways and firm updates. For instance, recently we have created a brand new set of advertisements. These are for our PPI tax claims and marriage tax claims. If you didn’t catch the advert, you can find it below:

We also write about our latest charity events and our brand ambassador (Michael Owen). Make sure to keep a close eye on our social media. That way you can see our latest giveaways, videos and company updates. You can find links to them at the bottom of this blog.

Gowing Law looks forward to seeing you in our next blog.

Gowing Law Solicitors is open to help you with your compensation claim

Posted on January 14, 2021 by Hannah Fletcher - Accidents in Public, Blog, Covid-19, marriage tax, PPI Tax refunds, Uncategorised

Gowing Law Solicitors is here to help you with your compensation claim in 2021! We know that things may seem a little bleak right now, with the pandemic and the changes coming with Brexit, but we are here to help you support you with any type of personal injury claim or tax claim. Right now, you may be feeling a little concerned about your claim, or perhaps cautious about making a claim during the lockdown in general. However, we would say that this is the best time to get in contact with a legal firm about your claim. We will focus entirely on getting you the pay-out that you deserve.

We want to make sure that our clients understand that we are open and ready to move forward with their claims. We’re going to discuss in a little more detail the type of claims we are happy to help you with. Naturally, if you have any questions, feel free to get in contact with our team via our LiveChat or by phoning 0800 041 8350. You can also use our claims checker by pressing the link below:

The UK lockdown & your compensation claim: What do you need to know?

A new strain of Covid-19 from Africa has caused the UK to go into its third lockdown. That means you should not be leaving your home unless the travel is for essential reasons. Now, that may also mean that you are working remotely or have been put on furlough to save you money. If you are asking yourself how Gowing Law Solicitors is still open to help clients with compensation claims, we have actually been working remotely since the start of the pandemic! Ever since the first lockdown, Gowing Law’s staff have been working remotely from their homes. We value their safety as much as we value the safety of our clients. That’s why the introduction of this new lockdown has not impeded any of our cases or services.

Instead, we want to let you know exactly how we can help you with your compensation claim. That way we can give you peace of mind and help you feel more in control of what is happening before you go to court. Take a look at the infographic below to see how we can help:

If you do end up getting Covid-19 during the lockdown, and you have an ongoing case about a personal injury claim or tax claim, it’s important that you inform your solicitor after you’ve taken a test. If you get a positive result, you may need to start making arrangements about delaying or cancelling your case till a later date. However, if you want to continue with it during your self-isolation, you can nominate someone to act on your behalf whilst you’re ill. That way you can rest whilst your case is in good hands. Your lawyer can keep you updated on what is happening with your case and how you can move forward with it.

How will Gowing Law Solicitors adapt to the current lockdown?

We have good news for all of our clients. As of March 2020, Gowing Law’s staff and legal specialists have actually been working remotely! That means they have been spending most of the last year getting used to handling claims from home. We are proud that this means that during the third lockdown, our staff have already got used to working remotely. That means they can handle your legal claims as efficiently as they did when they were working in the office. We want to put you at ease that even if we cannot leave our homes (unless for essential travel), if you have suffered from a personal injury claim, or perhaps are considering making a tax claim, Gowing Law will have your back.

Our legal specialists can offer you free advice and consultations if you aren’t sure about making a claim. They can put you at ease and make sure to do the hard work when it comes to getting your claim off the ground. That way you can feel safe in your home whilst your claim is being taken care of by a law expert.

Gowing Law Solicitors can help with your personal injury compensation claim

As we are currently open for business, we want our clients to know that we can still help them with their personal injury compensation claim. You may feel like you can’t do anything whilst we are all under lockdown. But quite honestly, we can help you with your claim, just as we would do if we were not going through a pandemic. The success of a personal injury claim does depend on the extent of your evidence, however this can still be collected.

With any sort of personal injury compensation claim, the extent of your pay-out depends entirely on the negligence of the person responsible. If you went to a public area (like a shop) and you got hurt due to the negligence of the owner or employees, it shows that they broke their “duty of care” towards you and your well-being. The severity of your injuries, and how they may have an affect on your life in the future, will determine the amount of compensation that you receive from the other client. If you get a medical report to show the extent of your injuries, and any additional damages you have, this could get you a high pay-out when a settlement agreement is decided.

Gowing Law’s Solicitors can help you with any type of personal injury compensation claim. Whether it is only a minor injury or it has had life changing consequences, our lawyers can give you the best advice possible and make sure that a remote hearing is scheduled to get you the help that you need to recover.

Our law firm also can help with tax claims!

During 2021, Gowing Law Solicitors was focused on helping our clients receive successful PPI tax pay-outs and marriage tax pay-out. For PPI tax pay-outs alone, we managed to get our clients around £10,000 in rebates. That’s why we want to extend upon these fantastic results in the new year. For marriage tax, around 50% of couples don’t even realize that they could make a claim! That’s why we are determined to bring awareness of both these tax categories. Our tax specialists know exactly how to get our clients a large pay-out and discount on future tax, depending on the type of claim they make. We can work with HMRC on their behalf and make sure no small mistakes are made that could invalidate the claim. We are here to support and guide all of our clients through difficult legal claims.

PPI Tax Claims: What are they all about?

PPI stands for “payment protection insurance”. Initially, it was created as a safety net in order to protect people who couldn’t pay back financial agreements. This included as credit cards and loans. Unfortunately, it ended up being mis-sold to a lot of people who did not need it. For instance, people may not have even realized they needed it or it could have been automatically included in the bank’s payment plan. As it was mis-sold, HMRC issued a pay-out to those who had bought it. Unfortunately, in a lot of cases, not all of the money was returned. Instead, it was taken away as tax. This is where Gowing Law Solicitors can step in to get you a valid PPI tax pay-out.

Your PPI pay-out is made up of three things:

The amount you paid for PPI
A return on any interest the bank added to your PPI payments
A statutory interest of 8%

The statutory interest can be taxed. Therefore, around 20% of your overall pay-out may have been taken away from you. Gowing Law Solicitors can help you get this tax back. We can work on your behalf with HMRC to ensure you get a full pay-out.

To make things even easier, Gowing Law Solicitors has created a helpful self-assessment form that only takes a few minutes to fill out. It asks you the basics so our solicitors can understand whether or not you’re eligible for a claim. That way, you don’t waste time and we can jump straight into getting you the pay-out you deserve. Click the link below to get started:

Marriage Tax Claims: What do you need to know?

Marriage tax claims are our latest endeavor when it comes to getting you a valid pay-out. Did you know that 50% of couples of around the country could be eligible for a tax break? However they don’t even know about it! Well, a marriage tax claim can get you a discount on your tax. It can also get you a pay-out of the excess tax you have paid over the last four years. If you’re interested in finding out if you are eligible for this type of claim, there are three criteria you and your partner have to fulfil first. These are:

You are married or in a civil partnership
One partner earns under £12,000 and does not pay tax
One partner earns over £12,500 and pays basic tax

If you hit all of these criteria, we can happily say that you are eligible to make a claim. The best part about these claims is that you can backdate them over the last four years. That means you could be eligible for a refund in more than just this year’s tax excess. You could backdate it further. Have a look at how much you could potentially claim below for each year:

2015-2016: £212
2016-2017: £220
2017-2018: £230
2018-2019: £238
2020-2021: £250

Just like our PPI Tax Claims page, we have also created a simple self-assessment form to start you on your journey. Our tax specialists can then work with you and contact HMRC on your behalf to get your claim sorted. Click the link below to visit our marriage tax claim form:

Keep an eye on our social media and our blogs over 2021!

Over the last year, Gowing Law Solicitors has done its best to keep its blog updated. This is with the latest news and informative content to entertain and inform our clients. Not only did we provide our clients updates about how Gowing Law was doing with different claims and changes throughout the pandemic, but we also wanted to try and make things more entertaining for you. That’s why we hosted various competitions and giveaways. We are planning on doing the same thing in the new year. So, make sure to keep an eye out on our blog, Twitter and Facebook to see what the latest is with our law firm. We have just finished our Christmas decorations competition! So, hopefully our next giveaway will also have a successful turnout. Visit our social media below and make sure to follow our pages:

Contact Gowing Law Solicitors about your compensation claim today

Even though the UK is going through its third lockdown, we want to let our clients know that we are still here to support them. We are determined to help with any sort of compensation claim. Our specialists can offer you free advice and consultations to get you started. If you’re happy to move forward with your claim, we can work with you on a “no win-no fee” basis. That means you will not need to pay any hidden fees. We can also work with you from the comfort of your home. That way you can keep safe and rely on us to get your compensation to you in a timely manner.

Contact us today by calling 0800 041 8350, emailing info@gowinglaw.co.uk or by messaging our LiveChat. One of our specialists will then get in contact as soon as possible to discuss your compensation claim. Feel free to ask them any questions that you have about moving forward!

Learn more about compensation claims

Whether you are interested in personal injury claims or tax claims, our blog is the best place to visit to get more informed about UK claims law. We update our blog every week with new content so you can feel comfortable understanding the basics of your claim. If you cannot find a topic that will answer your questions, feel free to write in to info@gowinglaw.co.uk to make a suggestion. We would be more than happy to talk about any questions you may have. Make sure to also follow our social media to see our latest informative mini videos. You can also see the latest updates about our company.

Will Brexit affect my personal injury claim?

Posted on January 12, 2021 by Hannah Fletcher - Accidents in Public, Blog, Traffic Accidents, Uncategorised, Work Place Accidents

No one expects to make a personal injury claim. Accidents happen out of the blue and can leave you feeling vulnerable and unsure about the future. Now that 2021 has rolled around, the UK has finally put Brexit into place and has left the EU. For many people that means that changes are going to be on the horizon. The UK will no longer follow EU regulation, meaning that if you are looking to make a compensation claim, rules and regulations may be a little different to what you are used to.

You may be wondering about what sort of impact Brexit is going to have on your personal injury claim. That’s completely understandable. In this time of uncertainty, it is good to have a legal expert on your side. They can help put you at ease and let you know exactly what to expect if any changes do happen within UK legal policy. Gowing Law will make sure to keep you informed if anything happens that might impact your compensation claim. Find out more about personal injury claims by clicking our link below. It will take you to our claims page for extra details.

What is Brexit and will it affect my claim?

Four years ago, Britain decided that it no longer wanted to be a part of the European Union. Instead, it opted to be an independent nation that would decide on its own rules and regulations. It has been a difficult negotiating process, but on the 1st January 2021, Britain finally left after 47 years of membership. That meant that this year, British citizens needed to expect several big changes to be made. To be brief on this, changes include:

The reason why you may be feeling a little nervous about this shift of policy is because you don’t know to what extent it will go to. For instance, if you are making a personal injury claim, you may be wondering if it could affect the amount of compensation you get. In addition to this, if you were hurt in an accident that took place in an EU country, there is the fear that you will not be able to actually make a compensation claim at all.

This is where Gowing Law Solicitors can step in. We can help you with your personal injury claim and make sure that you are updated about the latest legal rules that could affect your case. This includes travel accidents that happened abroad. All you need to do is let our solicitors know and we will provide you with the advice that you need to move forward with your claim.

What sort of personal injury claims could get affected by Brexit?

To put it bluntly, quite a number of compensation claims could be affected by Brexit. As a lot of our own rules and regulations come from EU law, it would not be surprising to see that they are changed in the future. In particular, it would affect claims that have been made when getting hurt abroad. However, there are a few additional claims that you will need to consider as well:

Now, overall, the main thing that is going to affect you during a personal injury claim is how the UK laws eventually develop and change around the upcoming months. Some additional policies that may be changed include:

General Product Safety Regulations
Manual Handling Operations
Display Screen Equipment Health and Safety
Provision of Work Equipment
Protection of Employment

Our solicitors will always be alert when it comes to changing laws. If the UK government wants to change health and safety protections, your lawyer will alert you immediately. Even if you are only making a tax claim, it’s always wiser to have a legal advisor on your side. They can let you know if there have been any changes that could affect your claim or cause court delays.

Will anything happen to my personal injury claim if I made it before 2021?

If you have already started a personal injury claim with Gowing Law Solicitors before the Brexit deadline (1st January 2021) then you should not experience any changes to your court proceedings. Instead, they will be treated as if they are still functioning under EU regulations. This is because they are still acting under the withdrawal agreement. If the personal injury claim is made after 2021, we will need to make sure that any changes to UK law are immediately adhered to so we can still get you the compensation that you deserve.

One thing that could happen in the new year is that the UK could join the Lugano Convention. This convention is similar to the Brussels I Regulation. In special circumstances, you will be allowed to bring abroad cases in the EU back to the UK to have the proceedings decided on. Another thing that could happen is that the UK could sign a bilateral treaty. This would mean that the UK could still have the same rights as the EU when it comes to certain legislation (such as motor insurance). However, all of this is yet to be decided. Just keep it in mind over the upcoming months if you have started on a personal injury claim.

What can I do in the meantime to prepare for my personal injury claim?

Quite honestly, Gowing Law understands why you may be feeling a little unsettled. Times are changing and it could have a major impact on your claim. No one really knows how UK accident claims are going to change until proper legislation is brought in that details compensation changes. Until then, we would recommend that you treat personal injury claims just as they were previously until any changes are properly announced.

When it comes to personal injury claims, the first thing you need to do is establish liability. Liability means you need to find out who was responsible for you getting hurt in the first place. If you suffered due to someone else’s negligence, you could claim compensation from them. That’s why it is essential that you start looking for evidence that could back up and prove your claim.

Work Accident Claims and Brexit: What should you expect?

As the EU is responsible for the 1974 Health and Safety Act for employees, there are fears that if a work accident happens, employees may be left vulnerable without any protection. One of the biggest fears that workers have after Brexit is that an employer may hold it against them if they make a claim. However, we can assure you that this won’t happen. Instead, it has been assured that workers’ rights will be protected. That means your employer will not be able to do anything if you make a claim. Instead, they should respect the compensation process for your injuries.

If an employer does treat you unfairly because of a work accident, you can make a claim against them. After all, it was your responsibility that you got hurt. Take a look at our blog about employer responsibility during Covid-19 for more information.

But just to be blunt about it You will still have the right to make a work accident claim even after Brexit. So do not worry. Instead, let your solicitor help you with your claim.

Traffic Accident Claims: Will they change?

Over the last few months, the UK government has tried to encourage commuters to start using their bikes. This is so public transport can be freed up during the pandemic and people can start using greener modes of travel. However, there has also been a focus on pedestrians, motorcyclists and even horse riders. It is hoped that when new UK legal policies have been reformed, these types of commuters will be exempt from the changes. However, there may be teething problems if you experience an accident in the EU. This is because the court systems will be different and you may not have access to insurance. Keep this in mind if you do decide to hire a vehicle abroad when you go on holiday.

Keep aware of Brexit and Personal Injury Scams

One of the things we would like to alert our clients about are scams that may be going around in relation to Brexit, insurance and compensation pay-outs. You may find that pressure is placed on you from cold-callers in order to make a claim or to find out personal information about you. The same may be said that they may try to push you into buying some sort of insurance that can help you with your “accident”. If someone rings you up out of the blue, the best thing that you can do is put the phone down on them. Instead, you should only get the help you need that you ask for.

A cold-call is simply looking for someone to take money from. They may not even know that you have been injured. Some are simply known as Crash for Cash Scammers. Keeping aware of them can mean that you are protecting yourself and people who are vulnerable.

Can a solicitor help you throughout the Brexit Transition period?

If you are feeling nervous about any changes that are made throughout Brexit to UK personal injury law, Gowing Law Solicitors will be here to help you. All of our solicitors are extremely experienced with legal matters. So, they will always make it their goal to find out as much information as possible about legal matters.

You do not need to feel worried about making a personal injury, work accident or road traffic accident during this transition period. Our solicitors will make sure to give you expert advice even if you do not decide to work with us. That way we can make sure that you feel good about making a claim with us, even during a time of change. You can rely on us to work with HMRC on your behalf and let you know if any additional changes happen that could impact your claim. You can rely on us to give you the best service possible.

Gowing Law Solicitors are here to help you throughout the Brexit changes.

Gowing Law Solicitors will always be here to help you with your personal injury claim. If Brexit changes legal policies, we will be the first to know about it and will inform our clients ASAP. That way they will immediately know how we can handle their claim and now we can help. To start off with, Gowing law can offer our clients free advice and consultations to get started. If you’re happy with the advice that we have to offer, we can work with you on a “no win-no fee” basis. That means you will always come out on top and will never have to pay any hidden fees. Instead, you will only need to pay our lawyers if we win your case.

Contact us today by calling 0800 041 8350, email info@gowinglaw.co.uk or use our claims checker. You can also use our LiveChat to get in contact with us quickly about your claim. Our specialists will be in contact as quickly as possible.

Will my personal injury claim be affected by the UK lockdown?

Posted on January 8, 2021 by Hannah Fletcher - Accidents in Public, Blog, Covid-19, Uncategorised

A personal injury claim can help you feel more in control of your life. You have suffered from a serious accident that has left you feeling vulnerable and wounded. That’s why getting the compensation that you deserve can allow you to start the recovery process. You have time to settle what has happened to you. A successful claim will also give you some additional funds to give yourself the time to heal. However, with the current pandemic, the UK court system has been forced to slow down and focus on remote hearings to keep up with the amount of cases there are.

The UK has just entered into its third lockdown and you may feel as if claiming for a personal injury is just too much to handle. That’s why Gowing Law is here to help you during this difficult time. All of our staff are working remotely, but we can still help you get the compensation you deserve.

We understand you may be feeling a bit nervous because of how the pandemic is being handled. You don’t want to put yourself at risk, especially if you have already been hurt in an accident. But we will make sure that your personal injury claim is handled by an experienced team of personal injury claim solicitors. To find out more, why not visit our personal injury page? Click the button to find out how we can help you!

What is happening right now with the UK lockdown?

As we have entered 2021, a new strain of Covid-19 has been detected in London that has travelled from Africa. Now, several mutations of Covid-19 have been detected around the world. Normally, this would not be worrying, as mutation of the virus is quite natural. However, this variant seems to have a faster transmission rate. That means that it’s more likely to be passed on from person to person.

That is why the UK government has decided to move from placing cities into Tier 4 to a full National Lockdown. That means that there are strict rules in place that advise people to stay at home and not go out unless there is an essential reason behind the trip. Here are a few rules that you will need to stick to through until the national lockdown has ended:

In order to lower the spread of Covid-19, it is essential that these rules are followed appropriately. Many people have already had the virus themselves and may feel as if they were put at risk by their employer or by other facilities that did not implement social distancing regulations. That’s why it’s more essential than ever to make sure that you are safe and secure in your own home. However, Gowing Law Solicitors is still going to be available to help you with any personal injury claims. Take a look at the video so you can see how we can help you, even if we are currently in lockdown.

What could slow down my personal injury claim?

Now, if we are going to be realistic, the main problem that is going to come out of the current lockdown are the delays with your case. Even though the staff of Gowing Law Solicitors are working remotely, they will still be here to answer all of your questions and remotely support you through your personal injury claim. However, the current lockdown may mean that cases are going to be delayed. Already, the UK court system has experienced delays due to the courts being shut down. That means that there has been a lot of backlog already that has caused issues with compensation pay-outs.

Despite this, Gowing Law is still working hard to make sure that you get the compensation that you deserve. We are currently focused on getting you a successful PPI Tax Claim and Marriage Tax Claim. We can work with HMRC on your behalf. That way you will be able to remain at home whilst our solicitors do the hard work.

There may be some delays with your claim, especially if you get sick or your court date is moved, but our solicitors will still make sure that you get the support you need during this difficult time.

The medical impact: Compensation claims & Delays

Another problem that may come from the pandemic is that you may struggle to get medical evidence during this time. The NHS is currently focusing on Covid-19 patients. Therefore, getting a medical record to prove that you were injured may take longer than you imagined.

However, another thing you may experience is that the amount you could claim for may be increased. The delays you experience could worsen your injuries, such as medical negligence injuries that were not treated because of surgery date changes. However, you could also claim for emotional damages that you experienced whilst you were forced to endure whilst waiting to receive psychological help. You may even struggle to collect your medication due to the fact that you are self-isolating. This could have made your condition worse. Keep that in mind when you consider what you are going to claim for. The amount you get as compensation may increase.

What should I do if I get Covid-19 when I am making a claim?

If you do end up catching Covid-19 whilst you are trying to make a claim, one of the most important things that you need to do is not to leave your home. You need to keep socially distanced from people until you get better. That is why our solicitors can work with you remotely to ensure that you do not need to stress about claiming your compensation. They can speak to you over the phone and ensure that all the finer details are settled about your case. They can work with people you nominate to help out with your case or simply speak to you remotely to ensure that you are never out of the loop.

Just to give you a brief idea of what you should do if you catch Covid-19, here is a helpful infographic to give you some instructions on how to keep up with your claim:

The Basics of Covid-19 and personal injury claims

Once you have received a positive test for Covid-19, it’s important that you get in contact with your solicitor as soon as possible. Being ill could impact or delay your case. That’s why you may want to let your solicitor know that you are interested in either postponing it or moving it to a different date. You could also nominate someone to work on your behalf with your solicitor to ensure that no delays are made to your claim during your recovery.

When your lawyer knows that you are ill with Covid-19, they will do their best to work around you and make sure you are always informed. They can work on your behalf to ensure all preparations are made for any settlement agreements. You can also ask them to send you important documents and your opinion on how you want to move forward with your case. Your solicitor will still give you the best advice possible through calls, video calls and emails. Just take your case at your own pace, your lawyer will support you the best that they can.

Covid-19 Compensation: Is it a real thing?

With all of this talk of Covid-19 and the lockdown, one of the things that people may be wondering about is about whether or not you could get compensation for actually catching Covid-19. For those who have suffered from a public accident or an accident at work, they believe that they caught it from unclean conditions in public areas, or the lack of social-distancing within the environment.

Now, the main thing we need to understand is that for public environments, people do have a choice about whether or not they want to wish them. For instance, before the lockdown, it was a person’s choice to go out to an entertainment venue or a shop. Therefore, it could be said that they put themselves at risk. However, for those who were forced to go into certain environments (i.e. work environments) and may have come in contact with asymptomatic Covid-19, or people who were sick, they may have caught it due to the negligence of a business owner, their employer or local government. This is where you may have a valid claim for compensation.

What should I do if I want to know more about Covid-19 compensation?

Covid-19 compensation is a very new area for lawyers around the UK. Therefore, we would recommend that you speak to one of our solicitors to get started. They can update you with the latest legal advice and whether or not you have a valid claim.

Can I still make a personal injury claim during the pandemic?

You can! Ultimately, the amount of personal injury claims being made has gone down in the pandemic. This is because of the lockdowns and tier rules making it unnecessary to go to public areas or visit places via a vehicle. However, if you have been hurt due to someone else’s negligence, you can still make a claim. Gowing Law Solicitors can help you get the compensation that you deserve. This includes helping you get a pay-out for marriage tax claims and PPI tax claims. Click on them below to learn more:

If you want to make a personal injury claim, keep in mind that there may be delays due to the current lockdown. For instance, you may find it harder to get your medical records from a doctor. However, if you do want continue with your claim, it is essential that you collect evidence to prove you were injured due to someone else’s negligence. This includes:

Photographs of your injuries, the environment or any damaged equipment
Videos/CCTV/ Dash-cam footage of the injuries, the accident or the environment
Medical records
Police records
Work accident book references
Diary entries
Witness statements

Once you have collected your evidence, your solicitor can help you consider whether or not you could be eligible for a claim. If you are eligible, they will recommend that you sit down with them, the other party and their insurer via a video call about compensation. If the other party refuses then you can start taking steps with your solicitor to take the claim to court.

Gowing Law Solicitors can help you with your personal injury claim

We understand that the current UK lockdown can leave you feeling daunted or hopeless. It is like the pandemic is never-ending. You may also feel like there isn’t a point to start making a personal injury claim if we are all locked down. However, we can assure you that this is the time to get the compensation that you deserved. Our experienced solicitors are here to help you. They will dedicate their time to your case and help you get a pay-out that can give you peace of mind.

Start off your case by speaking to our lawyers for advice and free consultations. We offer non-obligation advice. That way you can figure out whether or not you want to move forward with your claim. If you are happy to work with our Manchester solicitors. They can offer their services on a “no win- no fee” basis. That means you will always come out on top as you will not need to pay any hidden fees. You will only need to pay our solicitors if you win your case.

Contact us today by calling 0800 041 8350, emailing info@gowinglaw.co.uk or by using our claims checker. You can also get to us quickly by using our LiveChat. Feel free to let us know if you have any questions. One of our specialists will be in contact with you as quickly as possible to give you the best advice.

Am I eligible to make a PPI Tax Claim in 2021?

Posted on January 7, 2021 by Hannah Fletcher - Blog, PPI Tax refunds, Uncategorised

Making a PPI tax claim in 2021 may be the furthest thing from your mind right now. We understand. It’s a brand new year and Gowing Law wants to make sure that you start off the year on a good note. For some, they may be more worried about Covid-19 and how tier 4 may affect their livelihood. But others may be more concerned about the arrival of Brexit and how it’s going to change the world of work, travel and their daily lives. But for us, our main objective this year is to get our clients the money back that they have lost when paying tax on their PPI claim.

So far, we have been able to help people all over the country claim back their PPI tax that may have been automatically deducted from their overall pay-out. In 2020 alone, this has rounded up to around £10,000 in rebates! That’s why Gowing Law’s Solicitors are determined to do the hard work to get you a successful PPI tax pay-out in 2021. You can put away the money for a rainy day or use it to treat yourself. The choice is entirely yours!

Click the link below to visit Gowing Law’s PPI tax claim page and start your journey with our helpful lawyers today. You can also call us on 0800 041 8350 to get advice from our solicitors on how you get started.

Am I eligible to make a PPI Tax Claim in 2021?

For the last year, Gowing Law has been working tirelessly to get our clients a successful PPI tax claim where they can get their money returned from HMRC. However, now that 2021 has rolled around, you may be worried about whether or not you could be eligible to make a PPI tax claim yourself. All tax claims have a limit on them. Whether you are looking to claim back the tax on your PPI or you are interested in making a marriage tax claim, you should have around 4 years from the previous tax year from when the over-payment occurred. Have a look at our example below to understand how the timeline works:

Am I eligible to make a PPI Tax Claim in general?

To understand whether or not you are eligible to make a PPI tax claim, you need to know about the background of PPI claims in general. PPI stands for “payment protection insurance.” Originally, it was used as a safety net for those taking out financial payment schemes. This included credit cards, lending schemes and catalogue payment plans. If you got ill or did not have the money to pay back what you owed, your PPI would be able to cover you until you got the funds needed to clear your debt.

However, in the majority of cases, the PPI scheme did not provide enough money to cover the payments. In fact, in most cases it was simply mis-sold. Most people:

Did not realize they were sold PPI
Were pressurized into buying a PPI plan
Had the plan inserted into their payment policy without being told
Received a policy that did not suit their financial needs (i.e. they were self-employed or were working abroad.)

These mis-sold policies usually meant that people were losing more money that they realized. That is why the government allowed people to reclaim this money that they had lost by purchasing a PPI policy. The problem came from the fact that HMRC issued a refund but took away tax, meaning that clients did not get the full amount they were owed. To be eligible for a PPI tax pay-out in 2021, have a look at the criteria below.

Are you eligible for a claim?

If you feel a little confused about whether or not you are eligible to make a claim, the best way to find out more is to speak to your solicitor about your eligibility. Every financial situation is going to be different. That’s why it’s best to go to someone who has the legal experience necessary to let you know whether (or not) your claim is worth pursuing. Gowing Law Solicitors will make sure you understand exactly what you are owed and how you can claim it back.

Why did I have PPI tax taken away from my PPI pay-out in the first place?

If you have been mis-sold PPI, and did not get the full amount returned to you, you may be considering whether or not you can make a successful PPI tax claim. Your PPI pay-out consisted of three things. These were:

The amount you paid for your PPI
Any additional interest that was added to your PPI payments
A tax of statutory interest that wad added at 8% every year to both the PPI payments and PPI payment interest

The pay-out you received was supposed to help you get back to the original amount you were at. However, if you did not go over your personal savings allowance (PSA), then the bank may have automatically taken away tax without realizing you did not go over your limit. Only your statutory interest can be taxed. That’s why 20% of your payment may have been taken away. However, you can claim this back with the help of one Gowing Law’s tax specialists.

Could I get a big pay-out from making a PPI tax claim?

It is possible that you could get £1000’s from your PPI tax claim. However, it is important to remember that the amount you get does depend on how much you paid in. Everyone’s financial situation is different. It also depends on your tax band and statutory interest that you paid in. Have a look below to see an estimate of how much you could be paid through your PPI tax claim, depending on your tax bracket:

Top Rate Payers: If you pay around 45% in tax, you are not eligible for a PPI tax claim.
High Rate Payers: If you pay around 40% in tax, you could claim around £500, tax-free.
Basic Rate Payers: If you pay around 20% in tax, you could claim around £1,000, tax free.

Even if you have been rejected before for a PPI tax claim by HMRC, you could be owed money that you will need a solicitor to help you claim back. A solicitor can help you estimate how much you could be owed and how you can quickly get your payment back. Just keep in mind that it may take a little longer due to the current UK court backlog.

Could the current pandemic interrupt my PPI Tax Claim?

As tier restrictions will cause problems for most people around the UK, you may feel a little worried that the pandemic may interrupt your PPI tax claim. Covid-19 has already taken its toll around people in the UK. They have lost their jobs, suffered from Covid-related work accidents and have had loved ones pass away. You may be focusing on writing your own will and may think that right now the best thing to do is just to keep to yourself and wait for the pandemic to blow over.

That’s fine if you want to do that. However, if you have a PPI tax claim in the works, you don’t need to worry. Working with Gowing Law can mean that your tax claim will progress as planned. All of our staff are working remotely, that means they can keep helping you with your claims without putting themselves (or you) at risk. The only difference is that it may take a little longer to process your claim due to the delays with HMRC, the banks and the court system. Be patient and keep in contact with your solicitor. They will make sure to alert you when your cheque comes in and let you know if there are any additional delays.

Can a solicitor help me with my PPI tax claim?

One of the things that we value as a professional Manchester law firm is simplicity. We understand that tax claims can feel extremely complicated if you do them on your own. You may feel nervous about making mistakes that may invalidate your claim, especially if you have little legal experience again. That’s why we would highly recommend that you get in contact with our firm to get your PPI tax returned to you quickly and efficiently.

We have made the PPI tax claim process simple for all of our clients. All you need to do is fill out a few details and then let your lawyer fill out the R40 form for you. They can even work with HMRC on your behalf and keep you updated about when your cheque will be sent out to you.

What could invalidate my PPI tax claim?

Unfortunately, there are a few ways that you could invalidate your PPI tax claim. This includes accidently writing the wrong figures on your R40 form. It could also include not providing specifics about your tax bracket or how much you earn. You may also have to provide information about your wage. This includes how much you paid for your PPI and evidence. The evidence can prove you were unfairly taxed as you did not go over your PSA.

By having a tax specialist fill out the form for you, and give you guidance and advice on how to get a successful PPI tax claim, you can simplify the process. That way you can feel at ease that you will get the pay-out you deserve. All of Gowing Law’s solicitors are experienced and know exactly how to help their clients get their money returned to them quickly and efficiently. Just let our solicitors know how they can help you and you can both get started on your PPI tax claim journey together.

Get in contact with Gowing Law Solicitors about your PPI Tax Claim

Gowing Law Solicitors are here to help you with both your marriage and PPI tax claim. All you need to do is message us to get started! Our tax claim experts are experienced lawyers and want to get you the highest amount of compensation possible. They can offer you free advice and consultations to get started. These will be handled remotely so you can remain safely at home. If you are happy to work with us, feel free to let us know. We can offer you our services on a “no win-no fee” basis. That means you will always come out on top and you will never need to worry about any hidden fees. If we win your case, we will let you know how much you need to pay for our services.

Contact us now by phoning 0800 041 8350, emailing info@gowinglaw.co.uk or by using our claims checker. From there, one of our specialists will be in contact to help you through the process. You can also fill out our PPI self-assessment form or use our LiveChat to speak to us directly. We will try to get back in contact with you as quickly as possible about your claim.

Learn more about Claims from Gowing Law

We are very proud our law blog! Every week we update it with the latest information about legal claims, UK policies and seasonal updates. We have many other blogs that discuss PPI Tax Claims in great detail. So, make sure to scroll through our blogs to find the right content for you! If you cannot find a topic that interests you, let us know. We will write up a blog about your questions. Feel free to send us your suggestions to info@gowinglaw.co.uk. You can also follow our social media to learn about our latest giveaways, competitions and seasonal events.

We wish you the best of luck with your PPI tax claim. Gowing Law looks forward to seeing you in our next blog. Happy 2021!

Fill out the form to start your claim today!

Why are there delays right now with my personal injury claim?

What could normally delay my personal injury claim?

Medical Evidence: How do I collect it during the lockdown?

Do you know what sort of evidence that you need to make a claim?

How long will it take to get an offer of compensation?

Are the courts still open to make a personal injury claim right now?

Should I actually make a personal injury claim at this point in time?

Gowing Law Solicitors can help you with your personal injury claim!

Read more about personal injury claims on our website

What is a Mis-Sold SIPP Scheme?

What is an example of a non-regulated SIPP scheme?

How do I spot a mis-sold SIPP scheme?

1. Your financial advisor was not as experienced as you thought

2. There were more risks to your chosen SIPP scheme than were explained to you

3. Your advisor received a commission for getting you involved in the scheme

4. You were not told how your money was going to be invested

5. You were told to transfer your work pension into a SIPP scheme

How can I prove that I was mis-sold a SIPP scheme?

Start on your mis-sold SIPP scheme claim today!

Learn more about mis-sold SIPPs claims now

The Basics of PPI Tax Claims

Why did I have my tax taken off in the first place?

How can a solicitor help me with my PPI Tax Claim?

PPI Tax Claims Solicitors & Updates

What should I do if I have already been told I cannot make a PPI Tax claim?

How will I receive my PPI tax claim pay-out?

How much can I receive from successful PPI Tax Claims?

Be aware of court delays!

Speak to a Tax Claim Specialist today from Gowing Law Solicitors

Read more about making a PPI Tax Claim

What is happening within the UK court system right now?

What should I do if I have suffered from a personal injury?

Personal Injury Claims: How do I get the best pay-out possible?

What can I do to collect personal injury claims evidence during lockdown?

Will I need to go to court during the lockdown if I make a personal injury claim?

How long will it take to make personal injury claims during lockdown?

Will I be able to still get a pay-out during the lockdown?

Gowing Law Solicitors is here to help you with your personal injury claims

Read more about Personal Injury Claims!

What sort of expert law advice will this series show?

Where can I learn more information about the topics that you discuss?

What are the signs that you have been mis-sold your pension?

Why did my PPI pay-out get taxed in the first place?

Will my job change affect my marriage tax claim?

Can I still make an accident at work claim if I am now working remotely?

Examples of negligence may include:

Can I only claim for physical damages in a personal injury claim?

Contact Gowing Law Solicitors to get started with your claim!

Follow our social media to receive more expert law advice

Can I make a marriage tax claim during the UK lockdown?

How can Gowing Law Solicitors help you?

What is a marriage tax claim all about?

What could make me eligible for a marriage tax claim?

Will my job status affect my marriage tax claim?

What should I do if my job status changes when I make my marriage tax claim?

Can I make a marriage tax claim if I am self-employed or work on a zero hours contract?

Will I be able to make a claim if I am on furlough?

Gowing Law Solicitors can help you with your marriage tax claim

Learn more about marriage tax claims in our blog

The UK lockdown & your compensation claim: What do you need to know?

How will Gowing Law Solicitors adapt to the current lockdown?

Gowing Law Solicitors can help with your personal injury compensation claim

Our law firm also can help with tax claims!

PPI Tax Claims: What are they all about?

Marriage Tax Claims: What do you need to know?

Keep an eye on our social media and our blogs over 2021!

Contact Gowing Law Solicitors about your compensation claim today

Learn more about compensation claims

What is Brexit and will it affect my claim?

What sort of personal injury claims could get affected by Brexit?

Will anything happen to my personal injury claim if I made it before 2021?

What can I do in the meantime to prepare for my personal injury claim?

Work Accident Claims and Brexit: What should you expect?

Traffic Accident Claims: Will they change?

Keep aware of Brexit and Personal Injury Scams

Can a solicitor help you throughout the Brexit Transition period?

Gowing Law Solicitors are here to help you throughout the Brexit changes.

Read more about UK laws and personal injury claims

What is happening right now with the UK lockdown?