Showing posts with label Wales. Show all posts
Showing posts with label Wales. Show all posts

Wednesday, 20 May 2026

OFF-PLAN HIGH-RISE PROPERTY (FLATS)

by: MisS VictoriA DaviD

Courtesy of pngtree.com

A month ago (April 2026), I attended a webinar about, amongst others, ongoing proposed amendments and changes in the conveyancing practice landscape as well as the day-to-day realities of conveyancing practice. 

I have two main reasons why I attended the webinar, as follows: 
  • Professional Development: 
This is because as a CILEx member with two practice units where one of which is in conveyancing, it is essential to keep myself up to date with relevant and ongoing information about conveyancing. 
  • CPD Compliance: 
This entry documents the activity as part of my CILEx portfolio obligations where I am required to maintain in order to continue using my Associate (ACILEx) designation and retain my status on the CILEx Professional Paralegal Register.
 
SEMINAR OVERVIEW 
The webinar explored established main topics throughout where it was chaired and panelled by leading legal professionals. They are actively engaged in residential and commercial conveyancing, apart from serving as co-chairs of the Law Society's Conveyancing and Land Law Committee in England and Wales. 

THREE SUB TOPICS 
One of the main topics discussed was recent developments in the reform landscape. It covered several subtopics, and here are my takeaways alongside my own research. I have included the first two topics regarding an ongoing Bill and the professional discomfort of Conveyancers/Conveyancing Solicitors, but my primary focus is directly on off-plan high-rise property: 

1. The Commonhold and Leasehold Reform Bill. 

This is a major property-law reform for England and Wales where in June 2026 it introduced proposals toward transforming how flats and multi-unit buildings are owned and managed. This means that the Bill aims, amongst others:
  • to make the commonhold the default tenure for new flats in new buildings; 
  • to cap ground rents;
  • to abolish forfeiture and replacement; and 
  • to strengthen consumer rights. 
If you would like to know more about the Bill's relevant contents, go on to https://www.gov.uk/government/publications/draft-commonhold-and-leasehold-reform-bill.

 2. The HMRC Tax Advisor Registration Regime

This is where any regulated Conveyancers/Conveyancing Solicitors who submit Stamp Duty Land Tax (SDLT) returns or interact with HMRC on tax matters will be legally required to register as a tax adviser.

The registration window opens from 18 May 2026 and remains available for 3 months. Many regulated Conveyancers/Conveyancing Solicitors have expressed concerns where they do not feel comfortable becoming a tax adviser; typically, they refer complex tax matters to a specialist.

If you would like more guidance, go on to the following:

3. High- Rise Residential Complications under the Building Safety Act 2022 (BSA 2022) and the Higher-Risk Buildings (Descriptions and Supplementary Provisions) Regulations 2023 (the Regulations).

This is where transactions involving high-rise residential buildings - specifically those of 10 storeys or more present (at least 18 metres in height) present severe legal and practical challenges where it includes, amongst others:

  • complex building and fire safety regulations;
  • potential remediation liabilities; and
  • future expenses that are not covered by the Act.

That is why many regulated Conveyancers/Conveyancing Solicitors are reluctant to act in these transactions due to increasing complexity and liabilities (e.g., cladding compliance, risk assessment requirements, etc.), as well as associated professional risks.

On the other hand, some big law firms with a dedicated building and safety team are often able to handle it as they are in a better position where they can provide the specialist advice required. However, their fee levels reflect the complexity and risk profile of the transactions.

If you would like to read more guidance, go on to https://www.gov.uk/government/collections/guidance-on-the-criteria-for-being-a-higher-risk-building 


OFF-PLAN PROPERTY (FLATS) IN HIGH RISE BUILDINGS 
There is a rising number of high-rise residential developments where mostly marketed and sold to the public off-plan. These transactions are typically handled through agents of property developers where buyers are typically shown floor plans, layouts and even computer-generated images of finished units.

However, purchasing an off-plan flat in a 10- storey or more building (at least 18 metres in height) involves several administrative complexities and significant legal risks. This is because even with the involvement of the Building Safety Regulator (BSR) from the outset, buyers should still expect:
  • significantly higher legal fees; 
  • a much slower progression toward completion; and 
  • greater uncertainty due to the mandatory BSR Gateway approval process. 

If you are planning to buy an off-plan flat through an agent or with your legal representative where the high-rise building has not secured the mandatory Gateway 3 sign-off from the BSR, you must ensure that the following supplementary terms are incorporated into the Purchase Agreement (the contract for sale) before the exchange of contracts (the legal act): 
  • BSR Gateway 3 Conditionality: The contract must explicitly state that completion is conditional upon the developer obtaining the BSR Gateway 3 (Completion) Certificate. The sale should not be forced until the building is legally certified as safe for occupation. 
  • Mandatory Long-Stop Date: The contract must include a clear "Long-Stop Date" where it ensures that if Gateway 3 sign-off is not secured by a specific final deadline, you as a buyer must have an absolute right to rescind (e.g., right to cancel) the contract and receive a full refund of all your deposits. 
  • Specific Compensation Clause: This is where you as a buyer should be entitled to recover actual financial losses caused by completion delays (rather than relying on a generic/standard term that offers no recourse). The clause should cover costs such as temporary accommodation, storage, and fees related to extending or reapplying for a mortgage offer. 
  • BSA 2022 Documentation: Ensure the developer is contractually obligated to provide the following at the point of completion: 
    • Landlord’s Certificate – i.e., a document where it has information on who is responsible financially and for fixing safety defects in a building; 
    • Leaseholder Deed of Certificate – i.e., a legal document to prove that the property (flats) qualifies for Financial protections under BSA 2022; and 
    • all necessary "Golden Thread" digital safety information (where it relates to the Grenfell Tower Inquiry from 2017 to 2025) to satisfy lender requirements and future resale needs. 

The "golden threads" should include the following: 
  • original plans where it refers to exactly how the building was designed to be fire-safe; 
  • material logs (e.g., proof of what is inside the walls where it refers to a specific type of insulation and fire-stopping materials used); 
  • maintenance and inspection records (e.g., ongoing logs of fire alarm tests, lift maintenance, and structural inspections); and 
  • BSR Gateway approvals where it refers to copies of the Gateway 2 (Construction Approval) and Gateway 3 (Completion) certificates issued by BSR. 

BSR GATEWAY 3 (COMPLETION) CERTIFICATE 
A critical milestone in this transaction is the BSR Gateway 3 (Completion) certificate. This certificate is the final mandatory safety check overseen by the BSR. It is a measurement where it confirms that the building has been constructed exactly as planned with no risk of hidden fire or structural defects. Hence, once this is issued by the BSR can the building be legally occupied by residents. 

However, the "other side" of this safety measure is the risk of an indefinite delay. This is because the BSR is the sole authority for this sign-off; any backlog or safety concerns they find can delay the mandatory approval. Hence, without this certificate a buyer's move-in date may be pushed back repeatedly, leaving them unable to occupy the flat or finalise their mortgage. 

If you would like to read more about BSR approval, go on to 

The above information reflects my understanding of the three subtopics. It is provided for general information only and should not be taken as legal advice. If you believe that any part requires clarification or correction, please feel free to contact me. Hence, it should not be taken as legal advice.

Sunday, 5 April 2026

HOUSING LOSS PREVENTION ADVICE SERVICE (HLPAS) IN ENGLAND AND WALES

 by: MisS VictoriA DaviD

Courtesy of www.shutterstock.com


In England and Wales, housing situations are classified, inter alia, as follows: 
  • formal types of tenancy (e.g., assured shorthold tenancy, assured tenancy, etc.); 
  • non-tenancy living arrangements (e.g., living with landlord, no rent paid, etc.); 
  • accommodation linked to employment; and
  • homeowners

Some housing situations offer minimal security and limited rights for occupants where it can lead to their vulnerability to losing their home and fewer rights to challenge eviction. Apart from that occupants on rented properties leave voluntarily due to issues, inter alia, as follows: 
  • unjustified rent increases; 
  • poor management by landlords; and/or 
  • unresolved disrepair issues. 

Encouragingly, the insecure situations of tenants in the private rented sector are set to improve starting in May 2026 where they will gain significant protections under the Renters' Rights Act 2025 (RRA 2025)

Housing Advice and Legal Advice Services 

If you live in any form of housing situation and are at risk of losing your home, you should know that you are not alone and support is available at a critical time. You may be entitled to legal assistance (advice and representation) if you face situations, inter alia, where it might involves as follows: 
  • eviction by landlords under section 21 for Assured Shorthold Tenancies (ASTs); 
  • eviction by landlords under section 8 for ASTs and Assured Tenancies (e.g., housing associations); 
  • facing repossession by mortgage lenders due to arrears; 
  • court's possession proceedings due to rent arrears; or
  • subject to a possession order due to court orders. 

You can contact your local Citizens Advice or Shelter for free and confidential guidance and relevant options. Alternatively, you may also be eligible for a government-funded legal assistance scheme through Housing Loss Prevention Advice Service (HLPAS), which is delivered by eligible specialist external providers. 

Please be reminded that a valid section 21 notice served on Assured Shorthold Tenants in England on or before 31st May 2026 remains enforceable even though most and new tenancies will automatically convert to Assured Periodic Tenancies (APTs) from 01st May 2026. Click on the link to ascertain whether a served section 21 is valid or invalid on https://www.citizensadvice.org.uk/housing/eviction/getting-evicted/renting-privately/if-you-get-a-section-21-notice/ 

Courtesy of canva.com

Housing Loss Prevention Advice Service (HLPAS) 

In August 2023, HLPAS (previously Housing Possession Court Duty Scheme - HPCDS) as a government-funded legal advice service administered by the Legal Aid Agency (LLA) was launched across England and Wales. The service is delivered through eligible external legal aid providers/organisations, as follows: 
  • solicitors' firms;
  • law centres; and 
  • specialist housing organisations 

The service is applicable to all types of housing situations in England and Wales (where an occupant must have a lawful basis to be in the UK), regardless of financial circumstances. However, the key requirement is that you are lawfully at risk of losing or being asked to leave your home – i.e., written evidence of loss of home is required.

HLPAS provides the following services, as follows:
  • early legal advice where they assist you to understand on housing rights and relevant options before issues reach court (formal legal proceedings); and 
  • in-court duty representation where they give you free legal representation on the day of a possession hearing. 

Click on the following link if you would like to know more about HLPAS, as follows: 

On the other hand, if you are an occupant with no lawful immigration status to be in the UK and have no recourse to public funds, you can still access the HLPAS's services. However, this does not make you eligible for assistance on local authorities' housing register or for a homelessness application. This is because these types of assistance are classed as public funds for immigration purposes, unlike HLPAS where it is classed as legal aid – different from standard legal aid. 

Relevant Links 
The above information reflects my understanding of the government-funded legal advice. It is provided for general information only and should not be taken as legal advice. If you believe that any part requires clarification or correction, please feel free to contact me. Hence, it should not be taken as legal advice.

Sunday, 18 February 2018

THE QUIDNUNC QUEEN VICTORIA


A pen and a writing notebook will always be her companion, especially when attending various events. In one way or another, she still adheres to a more conventional and traditional style of detailing assimilated information. Alternatively, she also embraces the fingertips away from the efficiency of the technology by simply using her “bitten apple” cellular phone for sending cues, ideas etc. via text message to herself. She then has a compiled relevant record in capped time to look at later.

When you notice her being tight-lipped (resembling timorous..LOL!) and detect her unresponsiveness with the surroundings. It's because she is in a trajectory absorbing the whole ambience and progressively memorising every corner of the event. So, don't be surprised if you see her inaudibly quiet as she is mentally ingesting the occasion's general perspective to invoke a detailed and even-handed essay.

Arduously speaking, you will always recognise her presence because of her conspicuous appearance and bright and colourful apparel. Moreover, you will notice her more when she courageously struts around with a sui generis camera collared her neck.

The woman referenced above is your Quidnunc Queen Victoria (QQV) who has been ardently pursuing her passion for writing.

QQV is a qualified CILEx paralegal with protected and regulated legal professional status in England and Wales who is also pursuing a law degree in the United Kingdom. 

Thursday, 11 January 2018

LARGE LADY DIOR CANNAGE QUILTED BAG IN FUSHIA PINK

About three weeks ago, I decided to purchase another handbag as a post-Christmas present for myself. Beforehand, I was still ruling-out what brand I would choose; which one I would prefer most to be the penultimate piece of my collection. In particular, there were three brand names that came into my mind and I was even thinking of settling for the most foothold one. Despite the fact that my budget allocation could afford the highly priced double flap bag, I still resisted buying it for the simple reason that there are too many counterfeit versions out there. Realistically speaking, I just love the thought of sticking around waiting for the best time to buy for a good deal; choosing wisely with my acquisition and more importantly, making sure that my finances are no over my threshold limit. Don't you agree? 

I was down to my final two preferences. After some research regarding their pros and cons in the fashion market, I blissfully ended-up choosing the piece which fits well enough with my personality. It has a stunning and youthful structure which differentiates from the rest of my peg away handbags. I singled out the feminine elegance and soft appearance of Large Lady Dior Cannage Quilted Bag in Fushia Pink.


The Lady Dior bag was created in 1994 by at that time its artistic director, Gianfranco Ferré. It attracted and fascinated every fashion journalists and members of the fashion house which paved the way to gaining its original couture name as 'chouchou' (French for favourite). By that time, it had the sole purpose of becoming a classic and iconic bag because of its charismatic design and features. Such as, the leather hallmarks; soft lambskin topstitched; rounded handles and the metal D.I.O.R letters charm.  
The Lady Dior bag became marketably more famous when the People's Princess, Princess Diana, fell in love with it in 1996 and carried it elegantly for years. Historically speaking, Bernadette Chirac (French Politician) offered this bag to the Princess of Wales during a trip to Paris in September 1995. Then, The Princess of Wales was wearing it during the opening of the Cezanne exhibition at the Grand Palais. That is why, Lady Dior is a commercial name given to a handbag by the Christian Dior company in honour of Diana, Princess of Wales. 

Let me now give you my personal insights after having possession of the Large Lady Dior Cannage Quilted Bag in Fushia Pink for a week to date...

 
I am more enticed and settling for captivatingly vibrant shades which in this case helped me to verge on my usual chosen colour wheels. That is why, the vibrancy of its colour has been the wisest decision for me rather than to have favoured the available safest colours. Many of us will choose the shade black but my mind and heart said, “choose the YOU colour!”. By oneself, it shows the true reflection of my colourful personality and compliments my optimistically light hearted behaviour.


 
The dome styled handles are crafted with robust material and sheathed in dyed lambskin leather to give it a smoother appearance. There are two facets of the handles, the front angle was trimly cushioned while the back angle remained firmly flat. These handles are then fixed into the main bag using a solid and strong oval metal in silver. There is also an integrated hanging metal D.I.O.R letters charm in silver but with a bigger letter “O” shadowed by a leather pattern. At the back of the leather pattern there is an embossed “Christian Dior Paris Made in Italy” in centred alignment. Moreover, it also has a fine and slim detachable shoulder leather strap which is secured on both ends with personalised CD lobster claw silver-tone snap hooks.  
 
 
The overall key attributes of the Lady Dior bag are its savoir-faire network of lines stitched vertically and diagonally which create precise quilted leather cushions emerging like scattering shimmering diamonds. The refined topstitching called “cannage” brings forth femininity and elegance in the finesse of the bag. 
 
 

The Lady Dior Bag has been architecturally design to stand alone when place on a flat surface. To be more specific, the entire bottom part of the bag was plainly blanketed in dyed leather and protected more with additional wee silver-tone studs in the shape of cones. In addition to this, it is a top zipped bag with a CD silver pendant like flap (to open/close the zip) which opens entirely to a well crafted interior of jacquard fabric lining. I have to say that the solidity of its interior is the exact opposite of its soft and smooth cannage exterior. Furthermore, the spaciousness of the bag's interior has been conceptualised with a functional zip pocket and underneath its opening mouth there is a trimmed leather panel that has an inscription “Christian Dior Paris Made in Italy” in centred alignment. If you will turn up the stitched trimmed leather panel, you will find the embossed 8-digit serial code (2 digit numbers- 2 upper case letters- 4 digit numbers) which will give an idea of its batch/production year. 

Personally speaking, the Large Lady Dior Cannage Quilted Bag in Fushia Pink itself is commodiously ideal and will always be sophisticatedly stylish. It is indeed a timeless and unique work of art imbued with meticulous craftsmanship which yields the Couture spirit of Dior.

Tuesday, 29 December 2015

THE VERMILION MOUNTAIN

by: MisS VictoriA DaviD


I am planning to climb a mountain located in Porthmadog. A small coastal town and community in Wales known locally as 'Port'.

This mountain in Porthmadog has an intriguing and conspicuous colour (vermilion); a combination of red and orange. The colour of its soil is one of the reasons why I am very eager to climb the mountain and not just to wander around the town and know more of its history.

I dont have the must-have climbing gears yet but looking forward to step on its soil in the near future. As they say, 'Health is Wealth' and in particular, climbing is a form of exercise which improves cardiovascular fitness, muscle tones and fights stress.

Wanna join guys?
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