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News and Insights

Vaccinations are essential to the end of the Coronavirus pandemic and the UK is making decent strides in getting its population vaccinated, with over 20 million people having already received their first dose.

 

It is within everyone’s best interest that the pandemic ends sooner rather than later so that our economy, healthcare services and general wellbeing can start returning to normal. Business owners up and down the UK have had their profits cut due to COVID-19, and will be looking forward to getting back to regular ways.

 

So how can employers promote an easy vaccination experience for their workers?

 

Promoting a healthy dialogue about the vaccine

 

It can help to let staff know that the company and those in the higher up positions are thinking about the vaccine and are open to discussing it. This can be as simple as sharing government updates relating to the vaccine, or news stories regarding it.

 

This will help staff to feel comfortable and know that the vaccine is on the companies’ radar, creating a space for colleagues to discuss it together.

 

It may also help to encourage staff to notify their employers when they have received the vaccine, so they know that the company is taking an active interest in their vaccination status.

 

 

Practical ways to help

 

Instead of making life difficult for the employee receiving their vaccination, it is recommended that nothing be in their way to stop them from doing so.

 

For example, if employees are made to take annual leave to miss work in order to get the vaccine, this may put some people off from getting it.  It is much more reasonable to simply allow staff the time to get vaccinated while still paying them as if they had been at work. After all, in the long run it is much better for the company to have a fully vaccinated workforce.

 

If vaccination appointments will equate to absences in the eyes of the company, this will likely deter workers from attending them. It is a good idea to tell staff that they will not be considered absent when going to get the vaccine.

 

Using the same logic, it also makes sense to pay the staff their usually rate if they have to take time off due to vaccine related side effects. However, it is worth bearing in mind that such side effects, if they do occur at all, should only last 1 or 2 days.

 

 

Positive communication breeds positive workers

 

Engaging in positive communication with workers will help keel morale up and minimise the chance of any disputes about the vaccine in the future. If staff feel they cannot talk with their managers about their health and safety, be that in terms of the vaccine or otherwise, this will likely lead to negative outcomes for the business.

 

Vaccinations are free

 

The NHS is providing vaccinations free of charge to everyone in the UK, starting with those who need it most. In general this means the elderly, for whom the virus is more dangerous, and those with underlying health issues.

 

Once a member of staff is issued a date for their vaccination, it is in the employers best interest to allow them the time off to get it. The more vaccinated workers they have, the less likely it is for their business to be negatively affected by COVID-19.

 

Where staff have concerns about the vaccine

 

If a member of staff has concerns regarding the vaccine, is important that the employer listens to them and allows them to share their point of view without judgement. It may be that the worker has health issues, such as allergies, that prevent them from being able to be vaccinated. Or, the worker may be pregnant and currently the vaccine has not been tested rigorously enough for it to be routinely given to pregnant people.

 

 

Staff cannot be forced to get a vaccination

 

Of course, staff cannot force their workers to be vaccinated. People will ultimately have to make the decision themselves. However, there may be consequences depending on what kind of job the worker is in. For example, if a healthcare worker refuses to be vaccinated they may have to be let go if their employer believes them to be a threat to patients, or other members of staff.

 

In a different setting, say an office, an employer will be less likely to take direct action if an employee refuses to be vaccinated. However, it is worth bearing in mind that unfair dismissal cannot always be claimed if a worker is let go and has been working at the business for under two years.

 

Learn more about unfair dismissal here.

 

Major businesses in the UK are getting on board

 

John Lewis have donated space at their Waitrose head office to be used as a local vaccination hub, and are paying their workers in full for time taken to receive the vaccine.

 

Timpson, the UK’s leading shoe repair, locksmith and key cutting company, recently confirmed that its 5,400 employees across 2,150 sites nationwide would be eligible for time off from work at full pay in order to receive the vaccine.

 

Taxi service Uber have been providing free rides for those who need it to receive their vaccination. They are offering trips to 42 of the mass vaccination centres around the country.

 

Scottish craft brewer Brewdog have offered the use of their bars as vaccination centres, with staff helping out as volunteers.

 

 

What do we think?

 

We want this pandemic to be over as soon as possible, so that life can return to normality. Our staff are encouraged to get the vaccine and we will support them in doing this by allowing for time off wherever it is needed and paying everyone as usual. We are open in our communication and will always listen to any concerns the team may have. When staff receive their vaccines, they are encouraged to let management know. We find this openness helps to create feelings of positivity around the vaccine.

 

 

Have questions? We are operating as usual!

 

We are ready to provide you with a fantastic legal service and there are many ways for you to contact us!

 

Call us on 020 7928 0276, phone calls are operating as usual and will be taking calls from 9:30am to 6:00pm.

 

Email us on info@lisaslaw.co.uk.

 

Use the Ask Lisa function on our website. Simply enter your details and leave a message, we will get right back to you: https://lisaslaw.co.uk/ask-question/

 

Or, download our free app! You can launch an enquiry, scan over documents, check progress on your case and much more!

 

Links to download below:

 

iPhone: https://apps.apple.com/us/app/lisas-law/id1503174541?ls=1

 

Android: https://play.google.com/store/apps/details?id=com.lisaslaw

 

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lisaslaw@web

Applying for visas can vary from being straight forward to actually turning into a stressful ordeal. It really depends on individual circumstances, and it is unlikely that any two visa applications will play out in exactly the same way. One major factor to take into account is the amount of time it takes for visa applications to be assessed and finalised, as it is important to account for this when deciding when you should start your preparation and submit your application.

 

When it comes to arranging travel, we advise that you wait until the result of you application is confirmed. There is no point making any decisions until you know for sure that you can travel into, or through the UK legally on an approved visa.

 

If you have any questions about the visa types listed below, we are here to help! Our experts will be able to guide you every step of the way! Click the “Enquire Now” button to get started today.

 

Applications made outside the UK differ from those made from within the UK, so we will go through each in separate sections.

 

 

 

Visa applications made from outside the UK

 

When does the waiting time start and end?

 

With each of these visa routes, in certain circumstances, it may be possible to receive your decision faster. However, this will be based on individual circumstances. If you have concerns that the waiting time is too long, you can contact us for advice or ask for help at you visa application centre.

 

Once you have submitted your application online, the waiting time starts when you either:

 

  • attend your appointment and provide your fingerprints and a photograph (biometric information) at a visa application centre

 

  • verify your identity using the UK Immigration: ID Check app. This will depend on the visa you apply for and you will be advised if you can use this

 

The waiting time will end when you get an email containing the decision on your application. This email will contain instructions on what to do next.

 

Visa to visit the UK

 

Generally, you should get a decision on your visa within 3 weeks once you attend your appointment at the visa application centre, if you are applying for a visa to visit the UK:

 

  • for a holiday or to see family or friends

 

  • for a business trip or meeting

 

  • to get married

 

You may be able to get your visa faster or other services depending on what country you are in – you can check with your visa application centre, or contact us if you want to ask any questions in advance.

 

Travelling through the UK

 

When it comes to travelling through the UK in order to get to another country, you should get a decision within 3 weeks once you attend your appointment at the visa application centre.

 

Study in the UK

 

For aspiring students who want to come to the UK to learn, you should get a decision on your visa within 3 weeks once you either attend your appointment at the visa application centre or use the ID Check app, if you are applying for a:

 

  • Short-term study visa

 

  • Student visa

 

  • Child Student visa

 

 

Work or invest in the UK

 

For investors or people looking to work in the UK, the waiting time for a decision on your visa is usually within 3 weeks once you either attend your appointment at the visa application centre or use the ID Check app.

 

If you are applying for a Turkish Business Person visa, the waiting time is usually 12 weeks.

 

Join family in the UK

 

A decision is usually made within 12 weeks once you attend your appointment at the visa application centre to, if you are applying to settle in the UK as the spouse, partner or family member of someone who has British citizenship or is settled in the UK.

 

If you are applying as the dependent of another applicant, it is likely that you will get your decision at the same time.

 

If you are applying for an EEA family permit or an EUSS family permit you will get a decision as soon as possible after proving your identity and provided your documents.

 

Family reunion

 

Again, in general you should get a decision 12 weeks once you attend your appointment at the visa application centre, if you are applying for family reunion with a refugee or person with humanitarian protection.

 

 

Commonwealth citizens

 

You should get a decision within 3 weeks once you attend your appointment at the visa application centre, if you are applying for an Ancestry visa.

 

Returning residents

 

You should get a decision within 3 weeks you attend your appointment at the visa application centre, if you are applying for a returning resident visa.

 

When you might wait longer

 

You might wait longer for a decision if your application is not straightforward and more information is required before a decision is made, for example:

 

  • if your supporting documents need to be verified

 

  • if you need to attend an interview

 

  • because of your personal circumstances (for example if you have a criminal conviction)

 

 

Visa applications made within the UK

 

Likewise with the applications made outside the UK, you may be able to get a decision faster if you need to, but this will have to be decided on your individual circumstances. In some cases you may be able to pay more to get a faster decision, and this will be communicated to you if it is a possibility. You can also enquire about this if it is something you are interested in.

 

When your application’s waiting time starts and ends

 

The waiting time starts once you have submitted your application online and ends when you get a letter or an email with a decision.

 

As part of the application process, you will need to either:

 

  • book and attend your appointment to submit your fingerprints and a photograph (biometric information) at a UK Visa and Citizenship Application Services (UKVCAS) centre, Service and Support Centre (SSC) or Post Office (if applicable)

 

  • verify your identity using the UK Immigration: ID Check app. The Home Office will usually tell you if you can use this.

 

You can usually stay in the UK until you have been given a decision, as long as you applied before your last visa expired.

 

Switch to or extend a Student visa

 

You should usually get a decision within 8 weeks once you have applied online to switch to or extend a Student or Child Student visa.

 

Switch to or extend a family visa

 

You should usually get a decision on your visa within 8 weeks once you have applied online to switch to or extend as a:

 

  • spouse or partner

 

  • fiancé, fiancée or proposed civil partner

 

  • child

 

  • parent

 

 

Extend a relative who will provide long-term care visa

 

In this case a decision should be made on your visa within 8 weeks once you have applied online to extend as a relative who will provide long-term care.

 

Extend a Parent of a Child Student visa

 

You should usually get a decision within 8 weeks once you have applied online and you are applying to extend a Parent of a Child Student visa.

 

Switch to or extend a work visa

 

You usually should get a decision on your visa within 8 weeks once you have applied online to extend or switch to any of the following work visas:

 

  • Global Talent

 

  • Innovator

 

  • Intra-company

 

  • Skilled worker

 

  • Entrepreneur

 

  • Investor

 

  • Minister of Religion

 

  • Sportsperson

 

 

Switch to a Start-up visa

 

You should usually get a decision on your visa within 3 weeks once you have applied online to switch to a Start-up visa.

 

Extend a Representative of an Overseas Business visa

 

You should usually get a decision on your visa within 8 weeks once you have applied online to extend a Representative of an Overseas Business visa.

 

Switch to or extend a Temporary Worker visa

 

You should usually get a decision on your visa within 8 weeks once you have applied online to switch to or extend in any of the following temporary work visas:

 

  • Creative and Sporting

 

  • Government Authorised Exchange

 

  • International Agreement Worker

 

Extend a Charity Worker Visa or Religious Worker Visa

 

In both cases the usual waiting time is 8 weeks.

 

 

Extend a Standard Visitor visa

 

You should usually get a decision within 8 weeks once once you have applied online to extend a visitor visa as a:

 

  • a patient receiving medical treatment

 

  • an academic and you still meet the eligibility requirements

 

  • a graduate doing a clinical attachment or retaking the Professional and Linguistic Assessment Board (PLAB) test

Extend an Ancestry visa

 

You should usually get a decision on your visa within 8 weeks once you have applied online to extend a UK Ancestry visa.

 

Applying for settlement

 

You should usually get a decision on your visa within 6 months once you apply online.

 

If you have questions about your eligibility for settlement, you can always contact us in advance of making your application.

 

 

What do we think?

 

It is clearly good for the Home Office to publish these visa processing time estimates. As users of their services, applicants are entitled to know how long it will take the Home Office to process their cases, so that they can make necessarily arrangement. In the extreme circumstances where there have been reasonable delays, the Home Office can be held accountable to their failure.

 

We do hope that these times can be adhered to. Practices have shown that many cases are dealt with well outside these announced times and there are apparently no exceptional factors. In most cases, such delay is caused by the Home Office’s administrative errors, instead of applicants’ personal circumstances. Some cases are simply ignored in the Home Office’s offices due to change of offices, caseworkers or work practice. These are areas which clearly need improving.

 

We are here to help anyone who has questions about visa applications or other immigration issues. Please do not hesitate to contact us!

 

 

Have questions? We are operating as usual!

 

We are ready to provide you with a fantastic legal service and there are many ways for you to contact us!

 

Call us on 020 7928 0276, phone calls are operating as usual and we will be taking calls from 9:30am to 6:00pm.

 

Email us on info@lisaslaw.co.uk.

 

Use the Ask Lisa function on our website. Simply enter your details and leave a message, we will get right back to you: https://lisaslaw.co.uk/ask-question/

 

Or, download our free app! You can launch an enquiry, scan over documents, check progress on your case and much more!

 

Links to download below:

 

iPhone: https://apps.apple.com/us/app/lisas-law/id1503174541?ls=1

 

Android: https://play.google.com/store/apps/details?id=com.lisaslaw

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lisaslaw@web

Uber has over 60,000 drivers in London alone, and operates in many other parts of the UK. Until last week these employees had been seen as self-employed sole traders, meaning that they only received payment when they were carrying a fare, were not entitled to holiday pay and were not guaranteed to earn above minimum wage. After lengthy courtroom proceedings, it was finally concluded that Uber drivers should be seen as employed workers in the UK and will be entitled to the relevant benefits moving forward.

 

What were the main reasons the courts decided to make this change, and what are these rights which Uber drivers can now enjoy?

 

Taking the case to court

 

This case goes back to 2016, when two former Uber drivers took the company to an employment tribunal, arguing that drivers working for the company should be seen as being employed by Uber. Uber declined to accept this argument, however the tribunal held firm in its decision to back the former drivers. Last week Uber launched its final appeal but was once again batted down, this time by the Supreme Court, which decided that the drivers should be seen as workers being employed by Uber.

 

The Supreme Court came to this decision by focussing on many factors. One main point was the fact that Uber decides how much each fare costs, which allows them to dictate how much their drivers could earn on every single trip they made.

 

Uber drivers also had no say in the employment contracts that they had to work under, which does not equate to being self-employed. For example, drivers would be penalised if they decided to reject too many fares. Of course, if the drivers were indeed self-employed they would have the freedom to reject as many rides as they wanted without fear of being admonished. Similarly, due to the rating element of the Uber app, where users can rate their trip out of 5, the company were able to essentially fire drivers who did not have a good enough rating. Again, this does not sound like something a self-employed person should have to worry about.

 

 

What employment rights are the drivers entitled to now?

 

Now that these drivers are seen as workers in the eyes of the law, they are entitled to the same benefits as most other people in full time employment. Then what is a “worker”?      

 

A person is generally classed as a ‘worker’ if:

 

  • they have a contract or other arrangement to do work or services personally for a reward (your contract does not have to be written)

 

  • their reward is for money or a benefit in kind, for example the promise of a contract or future work

 

  • they only have a limited right to send someone else to do the work (subcontract)

 

  • they have to turn up for work even if they do not want to (with Uber drivers, this may not always be the case due to the nature of the app system used by the company)

 

  • their employer has to have work for them to do as long as the contract or arrangement lasts

 

  • they have no right to choose a particular way or place to carry out their duty

 

  • they are not doing the work as part of their own limited company in an arrangement where the ‘employer’ is actually a customer or client

 

 

Workers are entitled to certain employment rights, including:

 

  • getting the National Minimum Wage

 

  • protection against unlawful deductions from wages

 

  • the statutory minimum level of paid holiday

 

  • the statutory minimum length of rest breaks

 

  • not to work more than 48 hours on average per week or to opt out of this right if they choose

 

  • protection against unlawful discrimination

 

  • protection for ‘whistleblowing’ – reporting wrongdoing in the workplace

 

  • not to be treated less favourably if they work part-time

 

  • claim for unlawful dismissal if they have worked for their employer for one year or more

 

  • claim for statutory redundancy pay if they are made redundant and have worked for their employer for no less than two years.

 

They may also be entitled to:

 

 

 

 

 

 

What do we think?

 

We are supportive of the decision made by the Supreme Court. It can be a difficult job being an Uber driver, and it is only made worse when people must go without certain securities. It seems to us that Uber was getting the best of both worlds before, in that they were not obliged to pay their workers sick pay, or provide any annual leave, but they retained major control regarding how much their drivers made and could fire them based on performance. This does not add up, and we believe the outcome to be fair.

 

 

Have questions? We are operating as usual!

 

We are ready to provide you with a fantastic legal service and there are many ways for you to contact us!

 

Call us on 020 7928 0276, phone calls are operating as usual and will be taking calls from 9:30am to 6:00pm.

 

Email us on info@lisaslaw.co.uk.

 

Use the Ask Lisa function on our website. Simply enter your details and leave a message, we will get right back to you: https://lisaslaw.co.uk/ask-question/

 

Or, download our free app! You can launch an enquiry, scan over documents, check progress on your case and much more!

 

Links to download below:

 

iPhone: https://apps.apple.com/us/app/lisas-law/id1503174541?ls=1

 

Android: https://play.google.com/store/apps/details?id=com.lisaslaw

 

 

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lisaslaw@web

This blog will outline the latest guidance related to the higher bracket of Stamp Duty Land Tax, who it applies to, and in what scenarios it does or does not have to be paid. SDLT is a topic containing many avenues, which we will explore in upcoming articles, but for this one we will mainly focus on the rules concerning for various types of people involved in such property deals.

 

First of all, what is SDLT?

 

Stamp Duty Land Tax (SDLT) is a tax on land transactions in England and Northern Ireland. Introduced as part of the Finance Act 2003, it largely replaced stamp duty with effect from 1 December 2003. SDLT is not a stamp duty, it is more of a self-assessed transfer tax charged on “land transactions”.

 

The SDLT Holiday is coming to an end!

 

The current SDLT holiday started on 8th July 2020. During the holiday period, people buying a residential property or piece of land in England or Northern Ireland do not need to pay any SDLT for the first £500,000 of their purchase price, if they do not own other residential properties on the date of purchase. If they do have other residential properties, they normally need to pay 3% of SDLT on the first £500,000 of their purchase price. This is ending on 31 March 2021. Afterwards, the SDLT rates applied prior to 8th July 2020 will resume.  Some rates will be higher than others, and it mainly depends on the value of the property being purchased.

 

 

Relief remains for first time buyers

 

From 1 April 2021, first-time buyers may still be eligible for relief. These new home-owners will pay no tax for the first £300,000 of their purchase price if both the following apply:

 

  • They, and anyone else they are buying with are both first-time buyers

 

  • the property they are buying is valued at £500,000 or less

 

So, these first-timers can breathe a sigh of relief!

 

Note: First time buyers purchasing property for more than £500,000 will not be entitled to any relief and will pay SDLT at the normal rates.

 

The higher rates

 

The higher SDLT rates , generally speaking, apply to people who already own one or more properties.

 

The higher rates from 8 July 2020 to 31 March 2021

 

 

 

 

The higher rates from 1 April 2021

 

 

 

These rates also apply if you bought a property before 8 July 2020.

 

These are not small amounts of money. For example, let’s say you purchase a property for £340,000 – the SDLT charge will be £27,200!

 

 

Who do these rates apply to?

 

It all depends on each person’s particular circumstances. If you are purchasing a property and you already own a separate one, it is likely that you will have to pay the higher SDLT rates. This is the general position; however, the following special rules are worth noting:

 

Properties owned by your spouse

 

They will be treated as owned by you as well, unless you have been separated from your spouse for a long time. For example, let’s say your wife owns a house which is worth £450,000 while you currently own no property. If you decide to purchase a house, it is likely that the higher rates of SDLT will apply to you, as in such situation, you will be deemed as having owned a property of £450,000.

 

The same rule will apply if you and your spouse buy a property together. You both need to pay the higher rate of SDLT to the whole house, not the share you are supposed to own in it.

 

 

Purchasing properties with someone else

 

The above rule also applies to the scenario where you buy properties with someone else, rather than your spouse, for example, a friend. If either of you has already owned a residential property/properties, you both need to pay the higher rate of the tax regarding the whole property.

 

In addition, this rule even extends to the relevant party’s spouse. For example, if you decide to buy a property with a friend. He does not own any residential property, but his wife owns one. Both you and your friend need to pay the higher rate in relation to the new property you are buying.

 

Therefore, next time, if you decide to purchase properties with friends, you should only ask them whether they have properties, you also need to ask whether their spouse have properties as well; otherwise, you may end up paying much more SDLT than you have expected!

 

 

Replacing your current home

 

In cases where you are replacing your current home, meaning when everything is finalised, you only have one main residence, and do not own another property simultaneously, these higher rates may not apply.

 

However, if you have not sold or given away your previous main residence on the day you complete your new purchase you will likely have to pay higher rates. This is because you will own 2 properties by the end of your new purchase.

 

If you sell your old home within 36 months of acquiring the new one, you can apply for a refund of the higher SDLT rate you have paid regarding your new property.

 

Inheriting a property

 

SDLT will not usually apply if you inherit a property as part of someone’s will, or as a gift. However, other charges such as inheritance tax may apply. This is similar if you are transferred a house after a divorce or end of a civil partnership, the higher rates of SDLT may not apply in this case.

 

 

Have questions? We are operating as usual!

 

We are ready to provide you with a fantastic legal service and there are many ways for you to contact us!

 

Call us on 020 7928 0276, phone calls are operating as usual and will be taking calls from 9:30am to 6:00pm.

 

Email us on info@lisaslaw.co.uk.

 

Use the Ask Lisa function on our website. Simply enter your details and leave a message, we will get right back to you: https://lisaslaw.co.uk/ask-question/

 

Or, download our free app! You can launch an enquiry, scan over documents, check progress on your case and much more!

 

Links to download below:

 

iPhone: https://apps.apple.com/us/app/lisas-law/id1503174541?ls=1

 

Android: https://play.google.com/store/apps/details?id=com.lisaslaw

 

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lisaslaw@web

The Coronavirus pandemic has turned the world upside down. It is widely agreed around the globe that the main collective priority is to get everyone vaccinated as quickly as possible, putting an end to this bleak chapter of humanity as efficiently as possible.

 

This is why the vaccination of everyone in UK, no matter if they are a citizen, a legal migrant, or an illegal migrant, is taking the lead in terms of current initiatives by the government.

 

Get registered without concern!

 

Government officials have announced it is of vital importance that everyone get vaccinated and are advising illegal immigrants to register with a GP. It has been confirmed that there will be no risk of removal as a result of doing so. Upon registering, immigration status is not checked.

 

This essential waiving of any immigration check-ups was also brought in earlier in the pandemic so that anyone could be tested for the virus without their status being investigated.

 

It is important to realise that this does not represent a change to immigration policy. People can assess essential care, be that at a GP, hospital or elsewhere, without having their immigration status looked into.

 

 

How to register with a GP surgery

 

Anyone can register with a GP surgery. You do not need proof of address or immigration status.

 

You can use this link to check GP’s in your desired area.

 

You will need to fill in a form to register with a GP. You can ask the GP surgery for help filling in the form if you need it.

 

You can:

 

  • check the GP surgery website to see if you can register online

 

 

  • pick up a registration form from the GP surgery

 

A GP surgery can only refuse you in the following situations:

 

  • they are not taking any new patients

 

  • you live outside the practice boundary and they are not accepting patients from out of their area

 

  • you have been removed from that GP surgery register before

 

  • it is a long way from your home and you need extra care, for example home visits

 

Once registered, the NHS can contact you

 

It is essential for everyone to be registered so that contact can be made regarding vaccinations. Once again, illegal immigrants are included here and should not worry about issues to do with their status.

 

The NHS will let you know when it is your turn to have the coronavirus vaccination. You will be contacted via letter, email or phone number (or a combination of all of these) depending on what information you have provided.

 

The vaccine is being offered at larger vaccination centres, pharmacies and some local NHS services such as hospitals or GP surgeries. Even some commercial businesses have opened their doors to join in with the great national effort.

 

 

There are currently 17 mass vaccination centres across the UK:

 

  • ExCel Centre in London

 

  • Etihad Tennis Centre in Manchester

 

  • Ashton Gate Stadium in Bristol

 

  • Millennium Point in Birmingham

 

  • Robertson House in Stevenage

 

  • Centre for Life in Newcastle

 

  • Epsom Downs Racecourse in Surrey

 

  • Bournemouth International Centre, Dorset

 

  • Taunton Racecourse, Somerset

 

  • Blackburn Cathedral, Lancashire

 

  • Salt Hill Activity Centre, Berkshire

 

  • Norwich Food Court, Norfolk

 

  • The Lodge in Wickford, Essex

 

  • Princess Royal Sports Arena, Boston, Lincolnshire

 

  • St Helens Rugby Ground, Merseyside

 

  • The park-and-ride at Askham Bar, York

 

  • Olympic Office Centre in Wembley, north London

Do not get scammed!

 

The COVID-19 vaccine is free of charge on the NHS.

 

The NHS will never ask for:

 

  • your bank account or card details

 

  • your pin or banking password

 

  • copies of personal documents to prove your identity such as your passport, driving licence, bills or pay slips

 

 

We understand your worry

 

This is a difficult time and having concerns regarding immigration status will only add to the hardship experienced by a lot of people. However, the official number of people in the UK unlawfully is currently not known, but the National Audit Office has stated it could be over a million. This is why getting this demographic vaccinated is of great importance to the government.

 

We feel that a wider marketing campaign from the Home Office would help alleviate any worries that illegal migrants may have in coming forward to get the vaccine. Such an important issue should be highlighted for all to see.

 

 

Have questions? We are operating as usual!

 

We are ready to provide you with a fantastic legal service and there are many ways for you to contact us!

 

Call us on 020 7928 0276, phone calls are operating as usual and will be taking calls from 9:30am to 6:00pm.

 

Email us on info@lisaslaw.co.uk.

 

Use the Ask Lisa function on our website. Simply enter your details and leave a message, we will get right back to you: https://lisaslaw.co.uk/ask-question/

 

Or, download our free app! You can launch an enquiry, scan over documents, check progress on your case and much more!

 

Links to download below:

 

iPhone: https://apps.apple.com/us/app/lisas-law/id1503174541?ls=1

 

Android: https://play.google.com/store/apps/details?id=com.lisaslaw

 

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lisaslaw@web

We know that life in lockdown can be hard, but instructing a solicitor has never been more straightforward. We have ensured that our existing clients, as well as those who enquire with us for the first time, get a fantastic legal service without having to leave the comfort of their homes.

 

Mobile App

 

You may be aware that Lisa’s Law has its very own mobile app available on both iPhone and Android smart phones as well as tablets, which you can download for free on the App Store and Google Play. Just search for ‘Lisas Law’ and it will come up!

 

Or, find the links below:

 

iPhone version.

 

Android version. 

 

On this app clients new and old can launch a New Enquiry with us by filling out a simple and quick form, which will be sent directly to us – it couldn’t be easier!

 

Once the case is underway clients can keep up with all the developments using the Check Your Case function. They will know exactly what stage their case is at in seconds, with a touch of a button.

 

Getting important information over to us has been streamlined as well, with the innovative Scan Document function. Clients will be able to scan multiple documents at a time, hit one button to convert them into pdf format, then one more button to send them directly to us. It’s so simple!

 

Complete guide to using our app available here.

 

 

Ask Lisa

 

Join the wide range of clients already using Ask Lisa! By simply clicking on the Ask Lisa icon in our websites homepage, the user will be faced with a very simple form into which they can write down whatever legal issue they need help with.

 

This will be sent to a specifically created email inbox and answered extremely swiftly by a member of our team. Quick, effective legal advice at your fingertips.

 

See for yourself here.

 

More ways to stay connected with us?

Call us on 020 7928 0276, our offices are open from Monday – Friday between 9:30am and 6:00pm!

 

Email into info@lisaslaw.co.uk, or follow us on FacebookTwitterYouTube and LinkedIn!

 

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lisaslaw@web

Buying a property can be a daunting process and is likely to be the most expensive purchase a person will make in their lifetime. The most common way to buy a property is through an estate agent, but some people choose to go through auctions instead. In this article we will examine the differences between these two routes so that anyone looking to climb up the property ladder has a better idea of what they are getting into.

 

Price of purchase

 

When it comes to auctions, potential buyers must be weary of the guide price of the house. Auctioneers will often assign a low price to the property in order to increase the interest around it. As people will be bidding, it is often the case that the price starts very low but steadily increases as buyers compete against one another. It is good to go into the auction knowing that the guide price is not always accurate.

 

It is always advisable to do some homework before attending auctions. Potential buyers may want to carry out some market search to know the prices of sounding properties and obtain opinions from industry professionals like surveyors, builders and estate agents as to how much the property to be auctioned is likely to be worth on the market. Such information will help potential buyers to decide the maximum price they prepare to bid.

 

That being said, it is part of the draw to auctions that people are looking for a bargain. In the past, some very nice properties have indeed been purchased at desirable prices for the bidder.

 

Estate agents will likely be more accurate and consistent with their prices. There is less incentive to put the price as a lower than the house is worth, however it is not unheard of for buyers to negotiate slightly lower prices with the sellers in certain circumstances.

 

 

Other fees

 

Estate agents will often take a commission on the purchase, which is normally paid by sellers.  At an auction, this is not always the case. In some cases, buyers are asked to pay the auction costs. There are also other administrative costs that should be taken into consideration as well.

 

If the buyers funds are from abroad, the buyer must make sure that the source of funds are available to show in advance.

 

Viewing the property

 

This is often the part of the process which turns people off buying a house at an auction. How can you really know what you are buying if you cannot view the property? Well, it is true that the viewing process is often conducted quicker and in less detail with properties bought at auction, but you are not buying completely blindly.

 

Time slots are often available to view the property before the auction takes place, so that the potential buyers can see what they are bidding on prior to bidding. There will likely be an online-catalogue on the auctioneers’ website with viewing options included. Regardless, there will always be extensive images of the property available and sometimes there will be a video tour which people can watch as well. We strongly recommend that people view the property themselves, or even better, with their own builders/decorators, where possible, as well as look at all the images and videos available prior to bidding on a property, so that any issues with the property’s condition may be discovered.

 

Viewing a property through an estate agent is usually much simpler and done in less of a rush. Viewings will be arranged at a convenient time for both buyer and seller, and the estate agent will normally have a set of keys so that any last minute viewings are an option.

 

 

Mortgage situation and contracts

 

Auctions are really only for buyers who have funds immediately available. They need to make sure that they have enough money to buy the property. If potential buyers do need mortgages, it is therefore important that they should at least obtain mortgage offers in principle.

 

On the day when the buyers bid for the property, the auctioneer will provide them with a contract to pay 10% upfront immediately to the auctioneer. There will be terms and conditions in the contract and one of these terms is usually that the buyer must complete and pay the remaining 90% to the seller solicitor within 28 days, unless extended by consent by the parties. If this is not going to happen, the buyer may face serious consequences. The seller may serve notice on the buyer to compel him to complete and pay penalties. If the buyer is still unable to complete, the seller will forfeit the deposit and sue for compensation.

 

Once the buyer has successfully bid the property, they are legally obliged to complete the transaction, unless in exceptional circumstances, such as the seller has made misrepresentations, or the seller is unable to sell, or there is material change of circumstances at no fault of the buyer, which entitles the buyer to rescind the contract.

 

Legal Packs

 

The auction company will upload all the relevant documents (known as a legal pack) on their website before the auction day. Any interested bidder is highly advised to go through the legal pack to familiarise themselves with the benefits and restrictions of the property. It is always advisable that  an interested party engages solicitors before attending the auction, so that the legal pack can be gone through properly and legal advice is provided. If necessary, some searches against the property can also be carried out.  Here at Lisa’s Law we have experienced lawyers ready to help.

 

 

Time is of the essence?

 

One major benefit is the saving of time at auctions. The process is quicker to purchase through auction compared to estate agent, simply. It is very unlikely the seller will withdraw as the contract was exchanged in the day of auction.

 

This means if you are a property investor looking to rent out the property, you can be making money from rent in a short amount of time.

 

On the other hand, however, it also puts pressure on both parties to complete, in particular, the buyer. Some terms of the contracts may need to be re-negotiated. Property searches may reveal complex issues. Mortgage may be delayed. The occupants of the property may change their mind to move out. All such issues can be very challenging.

 

ID Required

 

Bidders will need to bring photographic identity and proof of residence with them to the auction. If a person successfully bids on a property, the auction house will take copies of these documents as part of the HMRC money laundering protection schemes.

 

It is down to the buyer to be sure!

 

We have come across cases in the past where the sellers’ solicitor will not provide detailed replies to general enquiries about the property. This means the buyer must be ready to accept the risk to buy the property with a limited knowledge. This is why viewings are so important when buying at auctions, and all available information regarding the property should be checked by a legal professional.

 

 

What do we think?

 

There are clear pros and cons to buying a property at an auction. If you want to have peace of mind, the time to go back and forth to the property, speak with friends and family about the situation, then the best way to go is probably with an estate agent. However, if you have the money in the bank to make such a purchase and want to get a property quickly to either rent out, or renovate to generate some income, then auctions may offer exactly what you need. It really depends on the situation, but what we will say is do not rush into anything blindly. Even when buying at an auction, try to engage solicitors as early as possible and view the property and be sure to view all images, videos and legal documentation available to you before bidding!

 

Have questions? We are operating as usual!

 

We are ready to provide you with a fantastic legal service and there are many ways for you to contact us!

 

Call us on 020 7928 0276, phone calls are operating as usual and will be taking calls from 9:30am to 6:00pm.

 

Email us on info@lisaslaw.co.uk.

 

Use the Ask Lisa function on our website. Simply enter your details and leave a message, we will get right back to you: https://lisaslaw.co.uk/ask-question/

 

Or, download our free app! You can launch an enquiry, scan over documents, check progress on your case and much more!

 

Links to download below:

 

iPhone: https://apps.apple.com/us/app/lisas-law/id1503174541?ls=1

 

Android: https://play.google.com/store/apps/details?id=com.lisaslaw

 

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lisaslaw@web

The COVID-19 pandemic has made life increasingly complicated and unpredictable. When it comes to people who are reliant on visas and approved leave to remain to legally stay in or enter the UK, the travel restrictions as a result of coronavirus can be extremely stressful.

 

With this in mind, in what situations will the Home Office make exceptions to certain rules, and what information is available to people who find themselves worrying that they will not be able to get back to the UK?

 

To deal with such enquiries, the Home Office has published a series of policies which offer concessions to people who have been affected by the pandemic, which covers issues like income, absence from the UK, English language requirement and evidence flexibilities. The following is the summary of such concessions.

 

 

If you are applying to enter the UK or remain on the basis of family or private life

 

Due to added restrictions related to COVID-19, the Home Office has announced the following:

 

If you are unable to travel back to the UK due to coronavirus travel restrictions and your leave has expired, a short break in continuous residence may be overlooked. You are expected to make your next application as soon as possible.

 

The Home Office have said that there ‘will be no future adverse immigration consequences if there has been a short break of continuous residence’ if your leave expires between 1 March 2020 and 31 May 2021.

 

If you intend to leave the UK but have not been able to do so and you have a visa or leave that expires between 1 December 2020 and 31 May 2021 you may request additional time to stay, known as ‘exceptional assurance’, by emailing cihassuranceteam@homeoffice.gov.uk.

 

If your leave expired after 31 October 2020, you can make your application from inside the UK where you would usually need to apply for a visa from your home country if either one of the following applies to you:

 

  • your application is urgent, for example if you have a family emergency and cannot apply from outside the UK

 

  • you cannot apply from outside the UK due to coronavirus

 

The Home Office is keeping this under review.

 

If you are here with 6 months’ leave as a fiancé, fiancée or proposed civil partner and your wedding or civil ceremony has been delayed due to coronavirus you may request additional time to stay, also known as ‘exceptional assurance’, by emailing cihassuranceteam@homeoffice.gov.uk and providing evidence of when your wedding or civil partnership ceremony will take place.

 

Otherwise, you can apply to extend your stay for a further 6 months to allow the ceremony to take place.

 

 

More flexibility for minimum income requirement

 

If you have experienced a loss of income due to coronavirus up to 31 May 2021, the Home Office may consider employment income for the period immediately before the loss of income, provided the minimum income requirement was met for at least 6 months immediately before the date the income was lost.

 

If your salary has reduced because you are furloughed the Home Office may take account of your income as though you are earning 100% of your salary.

 

If you are self-employed, a loss of annual income due to coronavirus between 1 March 2020 and 31 May 2021 will usually be disregarded, along with the impact on employment income from the same period for future applications.

 

 

Unable to provide specified documents?

 

In some cases, the Home Office may be able to decide your application without seeing certain specified documents if you cannot get them due to coronavirus. Otherwise, you may be asked to submit the specified documents after the date of application.

 

Changes to the English language requirement

 

If you are asked to take an English language test as part of your application, you can apply for an exemption if the test centre was closed or you could not travel to it due to coronavirus when you applied.

 

Your visa is going to expire while being stranded overseas?

 

You can apply for extension wherever you are based. You can also travel to other area or country to apply to extend your visa.

 

If you are unable to do it, you are still able to travel back to the UK even after the expiry of your visa. In such situation, you need to register your situation with the Home Office, which is available online at: https://hsforms.smartcdn.co.uk/form_208.html.

 

 

You have permanent leave in the UK, but have been away from the UK for 2 years or more and are still unable to return?

 

Under the immigration law, any person who has been away from the UK on any single occasion for two years or more will lose their status automatically; however, under the current concession, you will still be able to travel back to the UK.

 

As above, you need to register your situation with the Home Office. They will try to revert to you within 10 working days with instructions as to what you need to do next.

What do we think?

 

We see these as essential updates to the rules amid the coronavirus crisis. Many people will be finding it very difficult to navigate the requirements of certain immigration rules, and we hope that these allowances will provide at least some comfort to those who will rely on them.

 

Have questions? We are operating as usual!

 

We understand that it can be very worrying to be faced with problems relating to immigration, but worry not as we are always here to help! We are ready to provide you with a fantastic legal service and there are many ways for you to contact us.

 

Call us on 020 7928 0276, phone calls are operating as usual and will be taking calls from 9:30am to 6:00pm.

 

Email us on info@lisaslaw.co.uk.

 

Use the Ask Lisa function on our website. Simply enter your details and leave a message, we will get right back to you: https://lisaslaw.co.uk/ask-question/

 

Or, download our free app! You can launch an enquiry, scan over documents, check progress on your case and much more!

 

Links to download below:

 

iPhone: https://apps.apple.com/us/app/lisas-law/id1503174541?ls=1

 

Android: https://play.google.com/store/apps/details?id=com.lisaslaw

 

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lisaslaw@web

By now it is likely that you have heard of the exciting British National Overseas (BNO) Visa, which offers a fresh route to British citizenship to millions of Hong Kong residents who hold British Nationality Overseas passports.

 

The visa will open to apply to from 31 January 2021, and we are here to help anyone who has questions regarding these applications.

 

For now, let’s remind ourselves what this visa route involves and how the government has updated its guidance in relation to possible delays relating to coronavirus.

 

What does the BNO visa offer?

 

Firstly, people are able to apply for this route from outside or inside the UK. It will allow people to apply to enter or remain in the UK for an initial period of 30 months, extendable by a further 30 months, or a single period of 5 years.

 

People on the BNO visa will be able to work and study, but they will not be able to access public funds such as social welfare benefits.

 

Crucially, people on the visa will be able to apply to settle in the UK (also called ‘indefinite leave to remain’) once they have lived here for 5 years. After 12 months with this status they can go on to apply for British citizenship. This will be very appealing to many BNO passport holders and their family members.

 

Who is eligible and how can they prove it?

 

Eligible candidates for this role will need to show the following:

 

  • they have BN(O) status – they do not need a valid BN(O) passport to show this and  do not need to request a new passport if it’s expired or has been lost

 

  • they normally live in Hong Kong or currently reside in the UK

 

  • they can accommodate and support themselves financially in the UK for at least 6 months

 

  • they show a commitment to learn English, where appropriate

 

  • they get a tuberculosis (TB) test certificate from a clinic approved by the Home Office (find more information on this here)

 

  • they pay a fee and the immigration health surcharge (fee is yet to be established)

 

  • they have no serious criminal convictions, have not otherwise engaged in behaviour which the UK Government deems not conducive to the public good, and not be subject to other general grounds for refusal set out in the Immigration Rules.

 

BN(O) citizens’ immediate family dependants, comprising spouse or partner and children aged under 18, will also be eligible to apply for the Hong Kong BN(O) Visa. They do not need to have BN(O) status themselves to be eligible.

 

There will be cases where the dependent children of a BN(O) citizen will not normally be eligible because they were born after 1997 (so are not BN(O) citizens) and are over 18 so would not ordinarily be considered as a dependant in the UK’s immigration system.

 

In compelling and compassionate circumstances, the Home Office will therefore use discretion to grant a visa to the children of a BN(O) citizen who fall into this category and who are still dependent on the BN(O) citizen. This discretion will be limited to children of BN(O) citizens who apply together with their parents as a family unit.

 

 

How can applicants prove they can accommodate and maintain themselves?

 

Applicants must show that they can accommodate and maintain themselves and dependent family members and provide financial support for themselves and their family members for at least 6 months in the UK.

 

They can show this through:

 

  • money in their bank account

 

  • income they get from a current job in the UK (including self-employment)

 

  • any other income they get (for example from renting out a property)

 

  • offers of support or accommodation from friends or family

 

They will need to provide evidence such as:

 

  • bank statements

 

  • letters from friends or family with evidence they have the money to support them and their family members

 

These documents must be in English, or in the original language with a certified English translation.

 

More information on what documents are needed will be on the application form available from 31 January 2021.

 

Applicants will not need to meet this requirement if they have been living in the UK for more than a year when they apply.

 

 

British nationals (overseas) who are already in the UK

 

If applicants are already in the UK, they can apply for the BNO visa from within the UK from 31st January 2021. They can also apply from within the UK if they were granted ‘Leave Outside the Rules’ at the UK border when they arrived.

 

If their existing immigration leave expires before 31st January 2021 and they want to stay in the UK before applying for the BNO visa, there are a number of options open to them:

 

  • extend their existing immigration leave

 

 

  • re-enter the UK after leaving – at the border they may be eligible to be granted ‘Leave Outside the Rules’ as a British national (overseas) as set out above

 

  • apply for ‘Leave Outside the Rules’ from within the UK for up to 6 months

 

They will need to meet the requirements of the route they are applying for and pay any application fee that applies.

 

Applying for ‘Leave Outside the Rules’ from within the UK

 

Applicants can apply for ‘Leave Outside the Rules’ for a period of up to 6 months.

 

Once they have applied, they can stay in the UK on the terms of their existing immigration leave until their application is decided.

 

They will need to pay the ‘Leave Outside the Rules’ application fee.

 

They will also need to pay the immigration health surcharge.

 

 

Possible delays due to COVID-19

 

Due to coronavirus (COVID-19), the Home Office has announced that it may take longer than normal for applications to be processed. If a decision has not been made on ‘Leave Outside the Rules’ applications before the BNO visa opens for applications in January 2021, the Home Office has promised refunds of any fees or charges that applicants have paid.

 

Applicants that have made a valid application for ‘Leave Outside the Rules’ from within the UK and are eligible to apply for the BNO visa should receive an email by 14 February 2021 from the Home Office.

 

This email will tell applicants:

 

  • their options around applying for the BNO visa

 

  • how to get a refund if they choose to apply for the BNO visa

 

Applicants can apply for a refund before or after they apply for the BNO visa. They will need to make their BNO visa application within 12 weeks of receiving their refund, after which their application for ‘Leave Outside the Rules’ will be invalid and they will not have permission to stay in the UK.

 

To be considered for ‘Leave Outside the Rules’ in the UK, applicants need to show:

 

  • their identity

 

  • their British national (overseas) status

 

  • that they normally live in Hong Kong or the UK

 

  • that they are currently residing in the UK

 

  • that they can accommodate and support themselves financially in the UK

 

They will also need to show evidence of any non-British national (overseas) dependants’ family links to them, and that the applicant and the family member are currently together. A dependant is any of the following:

 

  • spouse or civil partner

 

  • unmarried partner

 

  • child (under the age of 18 when they first applied)

 

  • adult child born on or after 1 July 1997 (and their partner or child under the age of 18) who normally lives with you

 

  • other family members in exceptional circumstances where there is a high level of dependency who normally live with the applicant

 

Fee roundup

 

Applicants will need to pay the following fee and each of their family members will need to pay the fee too:

 

  • £180 to apply to stay for 30 months

 

  • £250 to apply to stay for 5 years

 

Immigration Health Surcharge

 

Applicants need to pay the Immigration Health Surcharge (IHS) in full when they apply for the BNO visa.

 

For each adult this will be:

 

  • £1,560 if they are applying to stay for 30 months

 

  • £3,120 if they are applying to stay for 5 years

 

For each child under the age of 18, this will be:

 

  • £1,175 if applying to stay for 30 months

 

  • £2,350 if applying to stay for 5 years

 

Applicants can start using the National Health Service (NHS) when:

 

  • they have paid the IHS

 

  • their visa or immigration application is granted

 

 

What do we think?

 

Since the announcement of this new BNO Visa route, we have been optimistic about it. For millions of BNO passport holders in Hong Kong (or currently residing in the UK), it provides a new route for them to migrate to the UK and eventually settle here. Also, it may effectively reduce the potential pressure of the domestic labour shortage following Brexit, which is a major concern in some industries at the moment.

 

We also feel like the refund scheme in case of delays in reasonable and offers an element of security for applicants, with the window of 12 weeks to reapply after receiving the refund being ample time for most applicants to get it done.

 

Have questions? We are operating as usual!

 

We understand that applications such as this can be daunting, but worry not as we are always here to help! We are ready to provide you with a fantastic legal service and there are many ways for you to contact us.

 

Call us on 020 7928 0276, phone calls are operating as usual and will be taking calls from 9:30am to 6:00pm.

 

Email us on info@lisaslaw.co.uk.

 

Use the Ask Lisa function on our website. Simply enter your details and leave a message, we will get right back to you: https://lisaslaw.co.uk/ask-question/

 

Or, download our free app! You can launch an enquiry, scan over documents, check progress on your case and much more!

 

Links to download below:

 

iPhone: https://apps.apple.com/us/app/lisas-law/id1503174541?ls=1

 

Android: https://play.google.com/store/apps/details?id=com.lisaslaw

 

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lisaslaw@web

The deadline to apply to the EU Settlement Scheme is 30 June 2021, meaning there is now officially less than 6 months until time is up. It is of paramount importance that those who need to apply do so in good time.

 

Who needs to apply?

 

The EU settlement scheme is designed to offer EU, non-EU, EEA and Swiss citizens and their eligible family members living in the UK the opportunity to protect their residence in the UK. Those who do not apply will face very serious consequences and their right to remain in the UK will come under considerable question.

 

It should be noted that this also applies to many EEA nationals and their family members who have been living in the UK for many years and taken it for granted that they will continue to be allowed to live here, even without going through the settlement applications.

 

This is completely wrong and dangerous. Under the current rules, all eligible EEA nationals and their family members will have to apply again under the settlement scheme, even if they have acquired permanent residence under the previous EEA law; otherwise, they will have to leave the UK after 30th June 2021.

 

Do not miss out, join the crowd!

 

The latest official statistics show that up to 31 December 2020 there had been almost 4.9 million applications to the EU Settlement Scheme. December alone saw nearly half a million people apply to the scheme.

 

6 months may feel like a long time now, but is it really worth leaving it any longer? It is far better to be safe than sorry, especially when it comes to such a vital issue.

 

A reminder regarding family

 

Family is an important factor in the EU Settlement Scheme, and for some their family will define whether or not they are eligible for the scheme at all. If you are not an EEA or Swiss national yourself, you will need to rely on a certain family relationship with such national to qualify.

 

The Home Office allows for such family members to apply on the basis of a qualifying relative:

 

  • spouse

 

  • civil partner

 

  • durable partner (unmarried partner whose relationship is akin to marriage or civil partnership, and the applicant holds a relevant document in this capacity)

 

  • child under 21 of the EEA citizen or of the spouse or civil partner

 

  • dependent child over 21 of the EEA citizen or of the spouse or civil partner

 

  • dependent parent of the EEA citizen or of the spouse or civil partner

 

  • dependent relative of the EEA citizen or, in some cases, of the spouse or civil partner (and the applicant holds a relevant document in this capacity.)

 

 

Preparing the right documentation

 

It is important that applicants prepare the correct documentation when applying. This includes:

 

  • an identity document – your passport, national identity card, biometric residence card or permit

 

  • a digital photo – you can take a selfie during the application

 

  • your National Insurance number or proof of how long you have lived in the UK

 

  • a mobile phone number

 

  • an email address

 

  • proof of your relationship if you are applying for a child or another family member

 

  • evidence the relevant EEA national is exercising his/her EEA treaty rights

 

If the applicant’s child is an EU, EEA or Swiss citizen, a birth or adoption certificate will be needed to prove their relationship.

 

If the child is from outside the EU, EEA or Switzerland, their biometric residence card is to be used to prove their identity.

 

 

We are here to help!

 

If you or anyone you know is yet to apply for the EU Settlement Scheme but needs to do so, get in contact with us. We can guide you every step of the way to ensure you and your loved ones do not face prosecution.

 

Call us on 020 7928 0276 or email info@lisaslaw.co.uk and we will give you the peace of mind and security you deserve.

 

 

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lisaslaw@web

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