Welcome to PURE Legal Limited.

 

PURE Legal Limited is one of our ABS Law Firms within PURE Business Group.

Within our law firms we employ almost 200 staff, including Administrators, Legal Executives, Fee Earners and Solicitors.

Their role is to handle each individual customer’s case to conclusion, as efficiently as possible and to instigate and conclude court proceedings as necessary.

Each member of staff is experienced within the sector and case types they handle, to the highest standards, to ensure our clients receive the best possible service.

Services

For a number of years rogue companies have been installing cavity wall insulation into homes around the UK, in a bid to reduce the levy's to be paid by the energy companies for high carbon emissions.

In many instances, these were portrayed as 'government backed' schemes, and home owners were not obliged to make any payment, however were promised reduced energy bills for their homes.

In reality, millions of homes have been ruined due to:

  • Poorly installed insulation products leaving voids in the cavity
  • Incorrect insulation products being applied to cavity's for the type of property construct
  • Insulation being installed when the property was unsuitable for being insulated

Problems have manifested themselves in these property's, causing tens of thousands of pounds worth of damage through:

  • Damp
  • Dry rot
  • Fungal infestations
  • Wet rot
  • Insect infestations

If you believe you may have fallen victim to this negligent practice, and your home and personal belongings are suffering damage as a result, please complete our quick enquiry form below and a member of our experienced team will be in touch shortly.

In November 2004, the FSA took over responsibility for the regulation of mortgage lending and advice in England & Wales, introducing a new set of rules for lenders and brokers

The rules governing the sale of mortgages state that lenders and brokers must ensure that the mortgage is affordable, not only at the time of sale, but throughout the whole term of the mortgage, even if that means into retirement.

It is estimated that 1.9 Million people have been mis - sold an Interest Only Mortgage and were given bad advice from a Broker.

If you were advised after November 2004 by a broker to do any of the following, you could have a claim:

  • Re-mortgage and switch from a repayment mortgage to an interest only mortgage, without a suitable repayment vehicle
  • Re-mortgage to consolidate debts
  • Re-mortgage from a high street lender to a sub-prime lender, at higher interest rates
  • Take out a mortgage which runs beyond retirement age
  • Take out a mortgage despite having an adverse credit rating at application

If you believe you may have fallen victim to this negligent practice, and you are suffering financial hardship as a result, please complete our quick enquiry form below and a member of our experienced team will be in touch shortly.

What is Undisclosed Commission?

Prior to the global credit crisis in 2008 most secured loans or mortgages provided to borrowers with poor credit records (called sub-prime loans/mortgages) came via loan or mortgage brokers.

It is expected a broker would be paid a fee, however they may have also been paid substantial commission payment by a mortgage or loan lender without the knowledge of the customer, and this is undisclosed commission.

A broker must act in good faith and in the best interests of its client which means providing a client with its single minded loyalty. However, receiving commissions without disclosing the fact that a commission has been received and/or its amount may mean the broker has breached its fiduciary duties to its client.

With most brokers no longer trading, the lender is also liable for inducing this breach of duty by making the undisclosed commission payment.

The Office of Fair Trading regulated brokers and lenders before 2008 and they made it quite clear in their guidance that both brokers and lenders should provide full disclosure of any commission paid.

What else can you claim for?

  • Irresponsible lending – Where the lender has not checked whether you can afford the loan.
  • Unfair Arrears Charges – Excessive or unfair charges which have been applied to the account.
  • Harassment – If the lender harassed you when you fell into arrears.
  • Rescission – Where there has been no disclosure of the commission amount whatsoever, we could potentially have your outstanding loan rescinded or written off.

Click here to see if your lender is on the list as you may be entitled to £1000’s

Mortgages are a form of credit agreement (i.e. a contract) provided by a lender to a borrower during the course of the lender’s business. In the case of a mortgage contract its terms are usually found in the mortgage offer letter and the lender’s standard mortgage terms and conditions. When entering into the mortgage contract there may also be additional information provided to the borrower, by either the lender or a mortgage broker, such as pre-sales disclosures relating to the mortgage product. Such information may not form part of the contract, but it must be consistent with the contract such that it does not amount to misrepresentation. Material inaccuracies in such information may also amount to a breach of the FCA handbook where the mortgage meets the definition of a regulated mortgage contract. In the case of a regulated mortgage contract the application of interest and charges is also subject to rules made under The Financial Services and Markets Act 2000 (FSMA) .

There are many instances where, for reasons unknown to a borrower (and, in some instances, unknown to the lender too) a borrower’s mortgage contract has not been serviced properly in accordance to its terms and conditions which has resulted in the borrower’s mortgage payments being mis-calculated resulting in the balance of their mortgage account being incorrect. There are a number of reasons why this can happen some of which are listed below:

 

  • The lender applying a higher rate of interest than that specified in the agreement.
  • The lender failing to apply an agreed concessionary interest rate.
  • The lender charging unwarranted arrears charges when the account is not actually in arrears.
  • The lender accounting for interest on arrears twice (commonly known as “double dipping”)
  • Interest may have been charged from a date that is different to that which is specified in the agreement.
  • Unwarranted charges, fees or other items such as third party fees and insurances can sometimes be added to the account without justification.

 

Many of the above errors are compounded if repayments fall into arrears.  

If you believe any of the above circumstances may apply to you, and you believe have suffered loss as a result, please complete our quick enquiry form below and a member of our experienced team will be in touch with you shortly to discuss whether you have a case that can be brought against your lender.

As a motorcyclist you are more exposed and vulnerable whilst on the road. Accidents cannot always be avoided and it is important when they do happen you are provided with the support you need.

Support comes in many ways –

  • Getting your bike back on the road
  • Rehabilitation to support your recovery when injuries are sustained
  • Replacement helmets and leather goods
  • Claiming compensation for your losses and injuries caused by the accident

 

It’s not always known that as a rider you have 3 years from the date of the accident to gain this support and make a claim.

Our specialist injury team are here to help and talk you through the claim process, giving advice and dealing with third parties on your behalf. It is our objective to make this process as easy as possible for you allowing you to focus on your recovery.

 If you have had a road traffic accident and need our help & support, click here to find out more

Housing disrepair refers to a property that is in need of repair in order for it to be safe and meet adequate living standards for tenants to live in. In houses where repairs or remedial works are needed, and the landlord fails to carry out the work within a reasonable amount of time after the issues are reported, this could be considered to be housing disrepair.

In some cases, tenants can make a compensation claim for poor living conditions that cause health issues, directly puts anyone in the household at risk or harm, or cause high and sustained levels of stress and suffering.

There are many different issues in a property that could count as housing disrepair if the landlord does not fix the problems within a reasonable amount of time after they are reported.

These disrepair issues can include:

  • A faulty boiler or heating system
  • A faulty gas, electricity or water supply
  • Damp caused by penetrating damp
  • Damp caused by rising damp
  • Vegetation growth/build-up on the building’s exterior
  • A faulty toilet, bath, shower or sinks
  • Broken or faulty guttering, downpipes or drainage
  • Damaged or worn brickwork resulting in damp or leaks
  • Unsafe flooring
  • An unsafe staircase

If you believe you may have fallen victim to this negligent practice and your council landlord has failed to take action then you may be entitled to compensation. Please complete our quick enquiry form below and a member of our experienced team will be in touch shortly.

As a Cyclist you are more exposed and vulnerable whilst on the road. If you have been injured as a result of someone else’s negligence we can support you in your recovery and claim for compensation.

The most common cause of cycling accidents are;

  • Road traffic accidents
  • Defective equipment
  • Potholes
  • Car door collisions

Accidents cannot always be avoided and it is important when they do happen you are provided with the support you need.

Support  can come in many ways –

  • Repairs and replacements to get you & your bike back on the road
  • Rehabilitation to support your recovery when injuries are sustained
  • Replacement helmets and equipment
  • Claiming compensation for your losses and injuries caused by the accident

Our specialist injury team are here to help and talk you through the claim process, give advice and deal with third parties on your behalf. It is our objective to make this process as easy as possible for you allowing you to focus on your recovery.

If you need our help & support, please complete our quick enquiry form below and a member of our experienced team will be in touch shortly.

Millions of pieces of personal information are processed by organisations every day - unfortunately, there will be times when data is lost, destroyed or shared with the wrong people.

Any organisation that holds personal information must follow strict rules on data protection. When personal information is not processed in line with these rules, it has the potential to cause distress, embarrassment and even financial loss to the person involved.

People who have trusted an organisation to keep their data accurate and secure have found that it has been:

  • disclosed without their consent
  • disclosed to the wrong person
  • out-of-date and inaccurate
  • held longer than necessary
  • not protected from cyber attacks
  • used differently to what was agreed

The effects of a data breach can be severe, including:

  • Distress
  • Embarrassment and worry
  • Depression and anxiety
  • Impacted credit rating
  • Loss of job opportunities
  • Breakdown of relationships with friends and family
  • Fraud

If you believe your personal data may have been breached by an organisation failing to follow the data protection rules, please complete our quick enquiry form below and a member of our experienced team will be in touch shortly.

Enquiries

Please complete the following form and we will be in touch.

To make an appointment with our
business development team
please call 0151 347 0470
or email info@purelegallimited.co.uk

To send any queries regarding our services please complete the form opposite.

Contact Us

Prescot Office:

PURE House, Building 9, Kings Business Park,

Kings Drive, Prescot, Merseyside L34 1PJ

DX 24055 Prescot

 

Phone: 0151 449 0005

Email: info@purelegallimited.co.uk

Office Hours:

Mon – Thurs 8am – 8pm

Friday 8am – 6pm

Saturday 9am – 5pm

Head Office:

4th Floor, 8 Princes Parade,

Liverpool, L3 1DL

DX 14158 Liverpool

 

Phone: 0151 347 0373

Office Hours:

Mon – Thurs 8am – 8pm

Friday 8am – 6pm

Saturday 9am – 5pm