Presidents Shelyna Mariscal of the NNLS and Chloe Edwards of the JLD raise glasses at the recent joint event with Norfolk & Waveney Mind at Jarrolds... More pics inside.
It’s all set to be a cracking Autumn for the Society. Our Law Walk is now scheduled for September on the 17th and our Dinner and the Excellence Awards on the 27th - work up an appetite on the walk, eat and then burn off the calories at the Dinner! There are also no less than eight CPD seminars to attend too. It’s going to be a busy end to the year - and next year it’s the Law Society’s 200th Anniversary, so watch out for more!
President’s Report
The Norfolk and Norwich Law Society year continues to be a busy one. In the last month we have seen a motion of no confidence in the Law Society raised by the Property Lawyer Action Group (PLAG) which resulted in a SGM which took place on the 23rd of July. The motion was raised following the publication and attempted implementation of the amended TA6 conveyancing form containing additional up front material information. It was fascinating to take part in the SGM and cast a vote on such an important issue. Although the Law Society fought off the vote of no confidence (207 opposing, 123 supporting, 20 abstaining) there was some severe criticism of the Law Society in general but in particular how it had failed to consult with its members regarding the implementation of the form and making it compulsory.
I felt that all those who spoke at the SGM, both for and against the vote of no confidence, did so eloquently, with respect and feeling.
I hope the lesson the Law Society has learned here is that it cannot and should not forget that it is there to serve its members. Consultation and proper consideration of the points raised by those on the front line should always be considered before making significant changes. The Law Society is there to support its members and cannot do so if it does not listen.
However, everybody deserves a second chance and having launched a consultation and postponed the implementation of the forms, I hope that members will take this opportunity to put forward their views and that the Law Society will listen and deal with those views in an appropriate way which best serves the interests of its members.
On a lighter note! I am delighted to announce two new annual sponsors for the NNLS: InfoTrack and Groundsure. We look forward to working with them throughout this year and I have no doubt that they will be providing important information that will assist our membership.
Our Law Society Excellence Awards have been announced. (Full details in this edition.) I’m looking forward to receiving the nominations and making some important decisions with my fellow judges on what has always been a closely run race. If you haven’t done so already, please take the opportunity to nominate and celebrate those achievements.
Finally, I hope you all have a wonderful summer and that you get the chance to have a well deserved break.
Shelyna Mariscal President, Norfolk & Norwich Law Society 2024-25
Legacies on the rise: tracking study out now
Poppy’s
When Poppy’s Dog Guardian conta
Our annual consumer tracking study has found that public appetite for legacy giving is on the rise, with more than one in five charity donors (21%) aged 40+ saying they have included a charitable gift in a Will, up from one in seven (14%) in 2010. Over the same period, rejection of legacy giving has dropped from 13% to 9%.
Figures from 2023, released today, found that supporters with a Will in their 40s and 50s are most likely to have pledged a legacy gift – with almost four in ten (37%) having included a charity. This compares with around one quarter (27%) of those aged over 60. Legacy pledgers are also more likely to be single and without children or grandchildren. Pledger rates are highest amongst those who are affluent, aware of the inheritance tax incentives and who have sought professional advice for their finances.
Three quarters of supporters (77%) say they would be willing to leave a small percentage of their estate to charity, with more than one in ten (13%) saying they would be open to leaving 10% or more of their estate.
Our consumer benchmarking study*, carried out by independent research firm OKO, surveys more than 2,000 charity donors aged 40+ to track legacy giving attitudes and behaviour year-onyear. Over the last 14 years, the study, which follows Prochaska’s Stages of Change model, has tracked long-term forward movement in legacy giving from awareness through to preparation and action.
Lucinda Frostick , director of Remember A Charity, welcomes the findings, saying: “This study shows the long-term positive shift in legacy giving attitudes and behaviour, and that the propensity for giving in this way is gaining ground beyond the Baby Boomer generation, particularly for those in their 40s and 50s. This indicates that there’s great potential for continued growth of the legacy market, but it also stresses the importance of
supporter stewardship.
“Legacy income is crucial for an increasing number of charities. While we can’t impact the economic environment that drives legacy values, we can positively influence the proportion of people choosing to leave a gift; by working together, and engaging with legal partners, Government and others to make legacy giving a social norm.”
Will-writing trends
The study shows an incremental rise in Will-writing, with almost two thirds (64%) of supporters having written a Will, up from 63% in 2022 and 62% in 2021. Of those with a Will in place, almost one third (31%) have included a legacy donation, up from 29% in 2022. Around three in ten (29%) pledgers added charities when making changes to an existing Will.
The average age when first making a Will is 51 years, although more affluent individuals are more likely to write their Will at a younger age. Key life stages, such as births, deaths and marriage are the main triggers for Will-writing, with the death of a loved one featuring more heavily for younger Will-making, and retirement a common trigger for older Will-makers.
Professional advisers continue to play a key role in Will-writing with almost six in ten supporters (57%) saying they have used or would use a solicitor to write their Will and 17% a Professional Willwriter. Free Will schemes are more likely to appeal to younger and less affluent audiences.
Legacy giving is one of the largest sources of voluntary income for UK charities, raising £4 billion annually**.
Additional findings include:
• 64% of legacy pledgers haven’t let charities know they have included a gift;
• Of those, almost half (47%) say it never occurred to them to tell the charity;
• And for 25% of them, they can’t see how it would help to let the charities know;
• The biggest barrier to leaving a gift in a Will for supporters is that they want to leave everything to family or friends (63%).
Remember A Charity works with charities, a network of legal advisers, partners and Government to grow legacy giving all year round. We also hosts the annual Remember A Charity Week, taking place 9-15 September 2024.
Remember A Charity members can view the findings in full here
*OKO, Legacy Giving Consumer Benchmark Study
Commissioned by Remember A Charity, the consumer benchmark study explores the public’s attitudes to legacy giving, with regular surveys carried out since 2009. The latest survey was carried out by OKO in December 2023; an online survey of 2,001 charity supporters across the UK, aged 40+. The research has been carried out by OKO since 2021, and nfpSynergy before that.
**Legacy Foresight, 2023
Lucinda Frostick
Legacy bequests reach highest number ever recorded
The latest findings released by Legacy Futures reveals that legacy income received by its Legacy Monitor consortium members in the year to March 2024 was £1.81bn – 1% up on the previous financial year.
The income growth has been driven primarily by bequest numbers, which reached almost 60,000 – the highest number of annual bequests ever recorded.
Legacy Futures’ data suggests that the growth in bequests is, in the main part, a result of improvements in the probate process at HM Courts and Tribunals Service (HMCTS). The backlog of probate cases declined in the period analysed, implying that investments made in additional resources are starting to pay off.
Looking forward, the increased numbers of bequests coming out of the probate process and a less pessimistic outlook than expected for house prices means that the legacy market is predicted to remain resilient and show flat or potentially slow growth for the remainder of 2024.
Ashley Rowthorn, CEO of Legacy Futures, said: “Charities and supporters alike have felt, and are still feeling, the impact of the ongoing political instability and cost-of-living crisis. Add to that the delays at probate, and legacy giving, although still a reliable income stream for charities collectively, wasn’t seeing the levels of growth that had previously been predicted. It’s great news for charities therefore that bequest numbers have reached a record high and that efficiencies at HMCTS have started to improve. Income resilience
is what’s needed in the current climate and it’s very positive indeed that this research points to that being a reality for the future of the legacy market.”
About Legacy Futures’ Legacy Monitor
Legacy Monitor is a consortium research programme to analyse, benchmark and debate trends in the legacy market. Set up in 2008, it incorporates an annual review of trends in the legacy market, and a quarterly benchmarking service. This year’s programme benchmarks 81 of the UK’s leading charities, who together account for almost half of the legacy market. Thank you to our member charities for agreeing to share top-line legacy performance data with the sector, allowing information and insight to be gained. The next quarterly data will become available in August 2024.
Book Reviews
Appreciations by Elizabeth Robson Taylor MA of Richmond Green Chambers and Phillip Taylor MBE, Head of Chambers, Reviews Editor, “The Barrister”, and Mediator
MORTGAGE RECEIVERSHIP Law and Practice
Second Edition
By Stephanie Tozer KC, Cecily Crampin and Tricia Hemans
ISBN 978 0 85490 299 6
WILDY, SIMMONDS & HILL PUBLISHING www.wildy.com
The role of receivers appointed out of court: now in a second edition for 2024
The second edition of this authoritative title on mortgage receivership has been written by Stephanie Tozer KC, Cecily Crampin and Tricia Hemans. The writers’ objective it to extend “the cohesive theory of mortgage receivership developed in the first edition through reference to recent cases, whilst maintaining its focus on providing practical guidance to the relevant law and procedure”.
The work is limited to the scope of receivers appointed by mortgagees out of court. “one of the difficulties in giving advice in this area”, they write, “is in trying to work out whether a decision in a particular case as
to the powers and duties of a different type of receiver also applies to the specific case of a receiver appointed by a mortgagee out of court”. The point throughout is that these receivers are “deemed to be the agent of the mortgagor”, so there is considerable scope for misunderstanding which is why this work is so helpful.
Legal advisers will find the expertise offered here brilliant for “the powers and duties of a receiver depend critically on what type of receiver one is dealing with.” The book shows that “receivers are certainly not all the same”, so the publishers, Wildy, Simmonds and Hill, have asked the authors to thoroughly update this excellent work for 2024.
It remains a great book for practitioners offering references to over 40 new cases, the book deals with a number of issues which have arisen since 2018, namely considering in detail the difficult issue of the effect of the receivership on the borrower’s powers and the borrower’s ability to exercise those powers, in the context of Ghai v Maymask [2020]. In addition, there is an updated possession chapter by reference to Menon v Pask [2019] and discussion on the extent behind the reasoning in that decision, and how it can be extended.
We also get a new section on statutory bars to receivership including an overview of the effect of sanctions; a revised chapter on regulation by reference to a number of cases decided; and an update to discuss new property statutes and their relevance to receivership in relation to ground rents under residential leases, registration of overseas entities, and the Building Safety Act 2022.
What we found most useful was the practical advice about what receivers should do in particular situations and how litigation involving receivers should be conducted – Wildy have done us proud here. The book is essential reading for lawyers advising receivers, or who are involved in litigation for or against receivers, and for receivers themselves.
The date of publication of the hardback second edition is cited as May 2024.
THE DRINK- AND DRUG-DRIVE OFFENCES A Handbook for Practitioners Third Edition
By P M Callow
ISBN 978 0 85490 302 3
WILDY, SIMMONDS & HILL PUBLISHING www.wildy.com
AN IMPORTANT UPDATED STATEMENT FOR CRIMINAL PRACTITIONERS IN THIS DEVELOPING AREA OF OFFENDING IN 2024
The purpose of this book is to bring together the statutory provisions and the case law on the drink- and drug-drive offences. Wildy, Simmonds and Hill offer us advice in an accessible, practical way which author P M Callow describes as “elucidating issues which are often surprisingly difficult”.
The second edition of this handbook was published and updated in 2018 and has been further updated for 2024. The drug-driving offences have come into their
Book Reviews
own at this time, with the book adopting “a neutral standpoint” between the various interests of the police, prosecution or defence. These offences, originally introduced in 2015, now account for almost as many convictions as excess alcohol offences do. The conviction rate for both groups of offences continues to be extremely high, at approximately 95%.
The new third edition “takes account of some forty judgments of the appellate courts since the publication of the second edition”. As the author says, “the recent challenges to the drink- and drug- driving regimes have taken on a somewhat different character from before”. So, whilst the interpretation of the statutory road traffic provisions continues to be developed in our case law, other issues are coming to the fore with new cases.
Precedent on the circumstances in which judicial review is appropriate has also been drawn together. The line of developing cases often features contested decisions on adjournments which can be crucial for the development of a case. Common issues reviewed are lack of diligence in preparation for trial and/or failure by the court below properly to scrutinise the application for adjournment. In fact, all the usual problems practitioners face are covered here.
“Appeal courts” , says Callow, “have remained constant in insisting on “rigorous scrutiny” of requests for adjournments and have robustly applied the Criminal Procedure Rules (Crim PR) aimed at avoiding delay”. Delay being one of the biggest difficulties the court system currently faces in the middle of 2024.
In addition, judicial review has been increasingly used to challenge decisions of the lower courts; the case law on the circumstances in which this route is appropriate has been drawn together. The third edition offers commentary on the difficult cases of DPP v Carless [2005] and R v Coe [2009]. Both have been reviewed to emphasise that neither case sets a precedent for the admission in evidence of the analysis of blood specimens taken outside the regime of the 1988 Act.
It is right to say that this work remains a practical and accessible book. The author is always glad to hear from readers who have any comments to make or suggestions to offer concerning the content of the book. As with all Wildy books, this one goes to the heart of our practice is an invaluable addition to your law library.
The date of publication of the hardback second edition is cited as April 2024
THE LAW OF RIGHTS OF LIGHT Second Edition
By Jonathan Karas KC
With technical appendices by Point 2 Surveyors
ISBN 978 0 85490 344 3
WILDY, SIMMONDS & HILL PUBLISHING www.wildy.com
MOST HELPFUL PRACTICAL ADVICE IN RIGHTS OF LIGHT CASES FOR 2024
Jonathan Karas KC has established ‘The Law of Rights of Light’ from Wildy, Simmonds and Hill Publishing, as the leading specialist textbook in the field of rights of light and it is used by practitioners, whether barristers, solicitors, or surveyors for both advice and potential litigation.
The new edition has been fully revised and brought up to date to include recent
developments in the law such as section 203 of the Housing and Planning Act 2016, Beaumont Business Centres Ltd v Florala Properties Ltd [2020] and Fearn v The Board of Trustees of the Tate Gallery [2023]. It goes without saying that commentaries on the new case law are invaluable for practitioners in this difficult area.
Karas considers how rights can be established, what constitutes an infringement of those rights and what remedies can be provided for the infringement of those rights. The book is useful for both those who are relatively new to this area of land law, and to more experienced lawyers and to unrepresented parties seeking a remedy.
The author sets out how claims may be defended and how rights can be overridden using the mechanism under section 203 of the Housing and Planning Act 2016. By setting the law in its wider context, ‘The Law of Rights of Light’ comprehensively shows that, despite the technicalities which arise, “there are no legal problems with which a competent lawyer cannot grapple”. And that sums up the beauty of this publication and many others in the Wildy handbook series.
We were particularly impressed with the advice from the two illustrated technical appendices by Point 2 Surveyors which are, in our view, invaluable, for practitioners when trying to understand the heavier issues in right to light litigation. The first appendix explains how light is measured; and the second appendix sets out how losses are valued. Both appendices also explain the limits of current methodology which we believe will be of great use to the specialist courts who hear these cases.
The new, second edition has been described as “an essential addition to the shelves of lawyers, surveyors and other property professionals”. It is a comment we fully endorse as the book has wide appeal for students and unrepresented parties wishing to gain a better understanding of this serious (and expensive) area of conflict in English Land Law.
The date of publication of the hardback second edition is cited as May 2024.
Radical new tech development delivers seamless one stop ID verification process - a bona fide game changer for financial services
A game changing new app launched by tech developer Professional Office is set to radically change the way financial services firms verify their client identity and improve their KYC process.
And it is all done via the applicant’s smart phone.
The technology - cleverly - unlocks the NFC chip in the passport to confirm the individual is actually who they say they are. Critically, all data is then cross verified to ensure that all the information is authentic.
“Our new product is set to radically transform the way financial services and associated legal and professional services firms do business,” said MD Chris Clare
“There’s a host of software products out there that claim to be market leaders in the verification process, by using ‘liveness’ and facial
recognition to match people with images on documents.
“But while none are inherently bad, most are not 100 per cent perfect,” added Clare.
“The problem is, they all rely on the validity of the document, such as the included data, and - amongst other things - the photo of the person on a passport.
“If that photo or document is compromised, then any validation that comes from it is inherently flawed. And then you have a big problem,” said Clare.
“Here at Professional Office, we have focused our energies over the last four years and developed our NFC (Near Field Communication) PCV (Passport Chip Verification) tool
“We believe it is the most state of the art ID verification tool available.”
So,
how does it work?
“The NFC chip in a passport contains an encrypted copy of all the data printed on it, including the photo of the client, which should match the one visible on the document.
“All this data is digitally encrypted and signed with a verifiable Governmentissued secure certificate.
“That government-issued encryption certificate held on the chip is verified to ensure that the data has not been tampered with, providing one of the most robust ID verifications on the market at the moment.
Buying a house can be a long and confusing process for many homebuyers. It can be hard for them to understand and interpret search results, but making sure your client has the full picture of the house they are buying is so important. Geodesys aims to help demystify and speed up the process for both you and your client. The CON29DW is the only drainage and water report on the market that gives your clients all the information they need and is approved by the Law Society. It is designed to provide information on the public sewage and water networks and how they are connected to a specific address.
So, what makes the CON29DW so unique?
Reliability: You can trust that the data your client receives in a CON29DW is reliable, accurate and up to date. Geodesys gets the information in their report for customers in the Anglian Water region, straight from Anglian Water. Although alternative drainage and water reports are available, known as regulated or personal drainage and water reports, these do not use water company data and data quality may not be as good.
Efficiency: Time is everything in the conveyancing industry. Geodesys understands that the time it takes to receive property information can cause delays and may even result in a transaction falling through. That’s why over 90% of their residential reports are delivered within 3 days of ordering, with many being delivered the same day.
Expert Support: The Geodesys team of expert Customer Service Advisors are dedicated to providing support and answering any questions you, or your client, may have at every step of the way. Your confidence in property decisions is their priority.
The CON29DW also comes with robust terms and conditions to support conveyancers and their clients. The terms and conditions include £10m liability cover and a commitment that in the unlikely event something isn’t right, we take responsibility for the information provided.
Whether you are acting for a residential or commercial property there is a CON29DW to help.
CON29DW Residential*
• Answers to all 23 Law Society copyrighted questions on drainage and water.
• Includes two maps to illustrate the position of pipes.
• Includes five pages of homeowner information.
• Easy to navigate with interactive features.
CON29DW Commercial**
• Comprises of 27 standard questions aligning with the CON29DW residential report.
• Is specifically designed for those purchasing or leasing land or commercial property and covers land or buildings used or proposed to be used for commercial activities.
• Enhanced T&Cs and Indemnity.
If you’re ready for the full picture, head over to the Geodesys website*** to get in touch or call on 0800 085 8050. Their team is here to answer any questions you may have.
* https://www.geodesys.com/con29dw-residential
** https://www.geodesys.com/con29dw-commercial
***https://www.geodesys.com/contact-us
Solicitors’ Professional Indemnity renewal: insights from an underwriter
According to Law Society surveys*, professional indemnity insurance (PII) is one of the most significant outlays for a law firm.
As PII is compulsory it is not surprising that at times it can feel like a frustrating purchase. So what are underwriters looking for and how can you find an insurer that suits you?
The danger of optimism bias
Optimism bias**, the tendency to overestimate the likelihood of experiencing positive events and underestimate negative ones is a challenging mindset when it comes to managing risk. The reality is that claims against law firms do happen. At HDI, we have insured hundreds of firms on a primary basis for over 15 years. In this time, we have seen many examples of claims and allegations brought against law firms. The financial, emotional and reputational toll can be huge.
Law firms are operating in a rapidly changing world, and it feels as though the pace of change is increasing. At HDI we believe in preparation rather than in prediction, and we insure firms whose values align with this business philosophy. We can’t always see what is coming, so building resilience within the firm is key to navigating what might come next.
At HDI, what are we looking for?
As your insurer, we are there for you when the worst happens. However, insurance is just one tool in your armoury against risk. We look for firms that invest in a clear and robust risk management strategy. We want to hear about how you identify and manage risk in your firm, which can include risk management planning, business continuity plans, file review policies, supervision policies and external audits.
When reviewing a firm’s proposal form, I like to pay particular attention to the answers that help to give me an insight into the culture of the firm. Your submission can be really enhanced for example, by sharing the history of your firm, any particular specialisms, your future goals, the type of work you like to do and the type of work that you would turn away. These things allow us to take a more holistic view of your firm, beyond the rating data that is captured in a proposal form.
Getting your submission in early and in full order is vital. Work with your broker to ensure you have up to date claims summaries. It is also really helpful to include a narrative around any open and closed claims. Things like, what the allegation was and what lessons have been learned. The fact that you may have experienced a claim is not always an issue –at HDI we recognise that there is often a story and we are open minded and willing to listen.
What is on the horizon?
We are seeing an increase in the frequency of high value claims. The reasons for this include, rising asset values, more complex transactions and defence cost inflation. Worryingly the market has begun to see claims exceeding the compulsory primary limit. Firms should have heightened risk management measures in place when taking on matters of high value, or when acting for clients of considerable net worth.
Conveyancing remains the main source of claims, both from a frequency and an overall cost. In addition, there is a notable jump in claims from wills, trust and probate work. The drivers for this are a combination of more complex family structures, increases in overall estate values and the challenges that can arise with people living longer. Our advice is that this would be a good time to conduct a review of policies and procedures and implement targeted refresher training for staff.
Looking further into the future, insurers will be considering the impacts of the economic and political environment as drivers for claims, the impact of AI, the continued threat from both cyber and fraud. At HDI we believe that we have the strength and stability to support our insureds now and for the long-term.
If you are a firm with a turnover of under £20m and would like to obtain a quotation from HDI please contact Lockton Insurance Brokers.
Solicitors@lockton.com 02079332034 / 02079332083
Sarah White, Underwriting Manager, HDI Global Specialty SE
Deputyship and Statutory Will Applications: How does a probate genealogy firm help?
As all Deputies and Court of Protection specialists will know, applying for a Statutory Will can be a complicated and time consuming matter. As part of the duty of care, and requirements for making a Statutory Will, it is necessary to hold a copy of the person’s existing Will, a draft of the proposed Will, details of their family, assets and income, as well as medical evidence of their incapacity in order to provide these to the court, together with any other evidence the court requires.
Anyone who would be potentially affected by the application (perhaps a beneficiary who would lose out, for example) will be a party to the court proceedings. Finders International specialises in researching P’s next of kin, providing a verified family tree and a full report of the required findings to support your Application to Court.
Here are some of the ways in which a probate genealogist can help:
1. Verifying Family Tree Information:
We can conduct thorough research to trace and identify all of P’s next of kin according to intestacy rules. We can do so with little or no contact with the family, at the authority of the Deputy, and ensure that our research is backed by documentary evidence.
The court or the deputy may receive information about P’s family from various sources, including family members. This information can often be inaccurate; therefore, we can verify the accuracy of any information already held, ensuring that the family tree is comprehensive and reliable.
2. Resolving Complex Family Scenarios:
In cases where the family structure is complex or unconventional, a probate genealogist can provide expertise in unravelling intricate family scenarios. This includes stepsiblings, half-siblings, or other unique family relationships. With modern families spread across the globe our international expertise can assist in even the most complicated of family make ups, and wherever people may live.
3. Ensuring you are aware of P’s existing Will and financial assets
Ensuring you know of any Will P may have made in the past is crucial to this process. Finders can assist by conducting a comprehensive Will Search to identify any Will that may have been made before P’s affairs were managed under Deputyship Order. Additionally, a full missing asset search can also be conducted for P, ensuring that you are aware of the full financial picture.
4. Providing Evidence for the Court: The findings of a probate genealogist can be presented as evidence to the Court of Protection. This documentation helps validate the accuracy of the family tree and ensures the correct family members are notified of the process.
Insights into the research process
A question that we are often asked is, ‘How do you do it?’ Many who have researched their own family tree will know that birth,
marriage, and death records are essential in confirming findings. At Finders International, we also have in-house databases, local representatives, and a network of international researchers to assist with our research. Each case comes with its challenges, including children born out of wedlock, overseas research and common surnames. Our team work on cases with these elements on a daily basis and carry out research for Court of Protection teams all over the country, so have the experience to overcome these research hurdles.
Case Study
At the point of our instruction, the only information held was that P had a deceased partner and one living cousin.
Our research first confirmed that P had no children and was an only child.
Extensive research using all available genealogical resources confirmed that P had no living Paternal family. However, we confirmed that P’s maternal family was larger than expected.
During the course of our research, we identified 6 maternal aunts and uncles who left descendants, identifying a number of living cousins.
As part of our verification process, we obtained birth, marriage and death certificates and identified current addresses for all P’s next of kin. This information was provided to the Deputy in an easily digestible family tree and report, with appropriate supporting documentation. In this case, at the Deputy’s request, no contact was made with the family before our report was submitted.
Our involvement in this case was key, as we identified three more family members in addition to the cousin previously known. This full picture enabled the Deputy to proceed with the Statutory Will Application and notify all the correct next of kin.
Our expertise in genealogical research ensures a thorough and accurate representation of the P’s family connections, enabling confidence in the information provided to the Court for the purposes of obtaining a Statutory Will.
Finders International can assist pre-deputyship application if the court requires you to contact family, friends or neighbours of P. We can also assist with Statutory Will Application research, Missing Will and Assets searches, Administrator searches and Unoccupied Property Insurance. If you have a case like the above or have any questions regarding our services, contact us today at quotes@findersinternational.co.uk, call 0800 085 8796 or visit our website www.findersinternational.co.uk
