Approach to costs
Solicitors at Humphreys & Co. always aim to approach
legal work in a financially-disciplined way. We offer
competitive rates. Our charging approach is both transparent
and geared to the options open to our clients. Our
solicitors generally charge by reference to time spent but
we can often agree fixed fees for specific work or in some
cases risk-adjusted funding structures.
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Send us a summary of your circumstances and objectives for a quick response. |
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Important notice as to HSBC mortgage
applicationsIf you are
considering a mortgage application to HSBC or “first direct” we would strongly
advise you to speak with an independent financial advisor (IFA) to talk through
your options before proceeding with HSBC.HSBC only “sell” their
mortgages directly through their branch salesmen or online. They are not
authorised to provide independent “unbiased” advice. If you are not already in
contact with an IFA of your own, we can put you in touch with one in your
locality who can provide you with unbiased, independent financial advice. Note
that this firm does not itself offer financial advice.It is worth noting
that HSBC were recently fined £10.5 million pounds by the FSA for mis-selling
financial products.There are approximately 11,000 firms of solicitors
undertaking conveyancing work in England and Wales. HSBC has recently announced
that they have set up a restricted panel of just 43 firms (including “licensed
conveyancers”) to carry out the legal work on their mortgages. Your HSBC
“salesman” will encourage you to instruct one of these 43 firms. HSBC’s advice
restricting your choice of legal represtantives to just 0.004% of the available
legal market is anti-competitive. It is unlikely to be in your best
interests.In cases where an IFA confirms to you that HSBC is
offering the best product for you, it is nonetheless important to be aware that
you can still choose your own solicitors. If you decide to instruct Humphreys
& Co., then we will absorb within our own charges to you the fee of £162 +
VAT (£192) which the HSBC panel solicitors will charge for undertaking the
mortgage-related work (ensuring that there would be no penalty cost to you by
choosing to instruct Humphreys & Co.).We will also match or
better any legal fees quoted to you by HSBC or their panel solicitors.Do contact us for any further explanation needed.
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Accessibility
We take instructions from UK & international clients. Our independent lawyers are available by email, telephone & fax. With central Bristol offices we are just 90 minutes from London by road or rail and 15 minutes from Bristol International Airport. We can travel to meetings if required.
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Independent approach
We are an independent professional law firm here, not a legal factory turning out mass-produced products. In our experience, determined case-handling is more likely to produce effective results.
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Turnaround time
Solicitors at Humphreys & Co. look to input not only
careful legal work and precision but also the determination
to keep matters moving. They aim to work in clients' real
interests with energy and pragmatism.
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Communication skills
Solicitors at Humphreys & Co. always try to open up the
legal process by giving advice and explaining options to
clients in a concise and straightforward way, identifying
clear courses of action whatever the technical or legal
complexities of the subject. |
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