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  1. A surge in the number of people representing themselves in court has prompted legal organisations to draft guidelines for lawyers who come up against people who find themselves in court without legal representation. The guidelines have been developed by the Bar Council, Chartered Institute of Legal Executives (CILEx) and the Law Society in response to the rising numbers of people representing themselves in court without a lawyer as a result of cuts to legal aid, the increase in the small-claims limit and the introduction of employment tribunal fees. The practical guidelines a
  2. Please respond with any advice available, please no judgement. I moved into an new flat (as a tenant) on July 27th, 2011. I immediately called British Gas to put the bill in my name, however British Gas told me that the previous tenants had decided to switch to a different electricity company. I asked whether i could stay with them, however British Gas said that it was too late to stop the switch. I then asked them, whether or not they knew which electricity will now be supplying us, and they stated it would be N Power. So starting from the 8th of August 2011
  3. Mortgage rates for the equity-rich are on a race to the bottom, with NatWest trumping HSBC's 2.99pc five year rate with a 2.95pc product. NatWest has set a new record for the lowest-ever five year fixed mortgage, indicating a 'race to the bottom' amongst lenders competing for desirable customers. The bank, which is part of Royal Bank of Scotland, trumped HSBC's record 2.99pc rate with a 2.95pc product. "We are really seeing a mini price war" said mortgage broker Stuart Gregory, who indicated that other lenders may also launch new rates in the coming weeks. HSBC announced its new five-year
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