Mills Selig - Knowledge

Mills Selig

Knowledge

The materials in these pages are provided for informational purposes only and do not constitute legal advice. If your business is concerned by any of the issues raised, please contact us directly for advice.

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Article

The “Sin of Omission”- the importance of full and frank disclosure

In a recent case that came before the High Court in the Republic of Ireland, the Court strongly criticised an applicant who obtained an interim injunction that was “completely unnecessary” and in breach of its duty of full and frank disclosure.

Although an ROI decision, this case serves as a healthy reminder of the core principles of emergency injunctive relief; that

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Article

UK Data Protection Law Reforms – A Balancing Act

Since Brexit, the UK government has been seeking to reform data protection regulations in the UK in an attempt to diverge from EU implemented GDPR. The government recently announced that, in the coming weeks, it will launch a consultation on proposals to make changes to the UK data protection regime to make it more innovation-friendly.

GDPR - when and why it

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Article

All I want for Christmas is... your trade mark!

Pop icon Mariah Carey recently branched out into the drinks industry with the launch of her cream liqueur ‘Black Irish’.

Her plans to release the product into the European market hit a stumbling block when her legal team failed to secure the right to use the catchy name, which is protected by EU and UK trade marks held by Irish drinks

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Article

5 Tips for your Training Contract Application

Applying for a training contract can be a daunting process - competition for contracts is higher than ever and firms are challenging applicants to make their application stand out as best they can.

Kathryn McIvor started her training contract with Mills Selig in 2018 qualified as a Solicitor in 2020 – here are Kathryn's 5 tips for your training contract application.

Planning

“A common mistake when applying for

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Article

Business Interruption – Where are we now?

Several months have now passed since our webinar exploring the Supreme Court’s decision in the FCA’s test case on Business Interruption Insurance.  The FCA has since published some useful tools, including a more detailed list of specific policies, grouped by insurer, that are likely to respond in the event a claim is made, and updated declarations made by the

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Article

Assume nothing!

Hot on the heels of my colleague Rebecca’s article on limitation periods comes a nightmare-inducing (for litigators at least!) decision from the English High Court, which reinforces Rebecca’s sage advice not to ‘wait ‘til the midnight hour’ to serve proceedings. It also highlights the danger of making assumptions…

LSEREF 3 Tiger Falkirk Limited v Paragon Building Consultancy caught my eye

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Article

(Don’t) wait ‘til the midnight hour…

In a typical claim in tort or breach of contract, the limitation period for issuing court proceedings is set out in the Limitation Act 1980, which states that an action can be brought “after the expiration of six years from the date on which the cause of action accrued."

But what would happen if the cause of action accrues at the

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Article

EU's historic 'Fit for 55' proposals announced

Anna-Marie McAlinden, Head of Energy at Mills Selig considers the EU’s historic ‘Fit for 55’ proposals and their potential impacts post Brexit in the North.

Last week the European Commission published its “Fit for 55” proposals, a package of proposals aimed at ensuring that the EU bloc delivers on its ambition to reach emissions reductions of at least 55% by

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Article

Tokyo Olympics - the cost of cancelling

With less than a month to go to the opening ceremony of the Olympic Games in Tokyo on 23 July, serious questions continue to be asked as to whether the games, can, or should actually go ahead.

Tokyo has now nominally emerged from its state of emergency but

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Article

Lidl’s ‘copycat’ gin to be put on ice…

Hot on the heels of the infamous Colin v Cuthbert caterpillar cake saga comes another interesting Intellectual Property case involving a supermarket own brand product; this time Lidl’s ‘Hampstead’ gin. 

The owners of the Hendrick’s gin brand recently secured an interim interdict (broadly equivalent to an interim injunction in Northern Ireland) from the Court of Session in Edinburgh preventing Lidl

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Article

'Foreign Agent' law challenged at ECHR

US funded broadcaster files complaint with the European Court of Human Rights

The Moscow Bureau of Radio Free Europe/Radio Liberty (RFE/RL) has filed a urgent complaint with the ECHR challenging Russia’s controversial 'foreign agent' law following the ECHR’s refusal to grant interim relief.

First passed in 2012, this law, requires broadcasters and non-governmental organisations that receive foreign funding to append a disclaimer to every news

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Article

COVID-19 defences fail at hearing for commercial rent arrears

Landlords in England and Wales are welcoming the news that the first reported judgment to deal with commercial rent liabilities and COVID-related defences has now been delivered.

In Commerz Real Investmentgesellschaft mbh v TFS Stores Limited [2021] EWHC 863 (CH) the landlord was the owner of the Westfield Shopping Centre in London and leased a unit to the tenant operating as

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Article

Are we facing a post-pandemic surge in Litigation?

New research by EY has revealed that commercial parties have increasingly opted for Alternative Dispute Resolution (ADR) over litigation during the pandemic to assist in resolving disputes. The research suggests that companies may have taken on board official guidance from the Cabinet Office[1], which called upon corporates to “act fairly in the national interest in performing and

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Article

European Super League – a game of contractual brinkmanship or the demise of football as we know it?

Over the past 24 hours we have seen news break about the potential creation of a new football “European Super League”.  Gary Neville (taking a break from managing his vast investment portfolio to channel his man-of-the-people mode) took centre stage on Sky Sports last night to lambast the football teams who have “signed up” to this new league.

But from a

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Article

Ready... Set... Go!

The coming weeks…

Despite the challenges of the last 12 months, the hospitality sector in Northern Ireland has shown flexibility, resilience and determination whilst highlighting the significant role it plays in our economy. 

Reopening in the coming weeks has challenges too, and the team at Mills Selig have published the below vital considerations for hospitality business preparing to reopen:

Do you need to

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Article

Copycat…erpillar!

It is unusual for an intellectual property case to capture the imagination of the public. Nevertheless, Colin and Cuthbert (both caterpillar-shaped cakes) are the subject of trademark infringement proceedings launched by M&S against rival Aldi in the High Court in London this week and the story has made front pages and featured in National news broadcasts.  Going by my social media feeds,

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Article

Further extension of prohibition on rent-based forfeiture

The restriction of forfeiture for commercial properties has once again been extended until 30 June 2021.

This means that landlords are unable to seek the remedy of forfeiture (right of re-entry) on the grounds of non-payment of rent in commercial premises. 

Whilst these restrictions provide continuing protection for commercial tenants (especially when a great deal of businesses are unable to open or

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Article

End of LIBOR

The Financial Conduct Authority announced on Friday, 5 March 2021 that immediately after 31 December 2021, LIBOR, a key benchmark interest rate setting mechanism, will no longer be available. 

A couple of key US Dollar LIBOR tenors will remain for a further 18 months.

The LIBOR rate has been withdrawn due to major manipulation scandals and concerns about its unsuitability for the

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Article

Loans Missed Steak

A steakhouse chain with restaurants in England has hit the news after requesting loans from its furloughed staff, based on claims by the GMB union.

It is reported that staff were asked to provide 10% of their wages each month to the business as interest free loans and this was coupled with “a threat of dismissal”.

The request apparently stems from a

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Article

FCA business interruption test case: UK Supreme Court upholds judgement

The Supreme Court has dismissed the appeals of various insurers against the judgement of the High Court.  That judgement, issued in September 2020, ruled in favour of policyholders on the majority of the key issues.  The Supreme Court decision will be welcomed by the many thousands of businesses whose policies will now pay out in respect of losses incurred as

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Article

Lords Debate Northern Ireland Defamation Regime

The Defamation Act 2013, which applies in England & Wales came into force on 1st January 2014 and has been hailed as “landmark legislation”.

The Act, introduced amongst other positive provisions, the serious harm rule, the public interest defence, the website operators’ defence, the single publication rule and also widened the ambit of reporting provisions.

Despite this, the Act does not extend

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Article

Mills Selig Brexit Advisory

At Mills Selig we bring a business mindset to our legal practice. We think like our clients, focusing on efficiency, effectiveness and above all, results.

With the Brexit transition period ending on 31 December 2020 we have identified 5 key action areas for your business. 

Export Ready - Supply Chain - Legal Checks - People Checks - Funding Checks

Click to learn more

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Article

It’s a wrap! FCA test case Supreme Court hearing concludes

Many businesses have been following the FCA test case on Business Interruption Insurance, hoping to find some light at the end of the Covid tunnel in the form of a final decision favouring policyholders. 

Remote proceedings concluded last week with the Supreme Court recognising the need for a speedy judgement but failing to commit to produce one this side of Christmas. 

Once

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Article

*UPDATE* Furlough extended to 31 March 2021

Furlough has now been extended to 31 March 2021 and we have some clarity around the question of which employees are eligible.

Below information last updated 17 November 2020

The latest re-publication of the job retention scheme rules came out last Tuesday evening, and has been updated twice since then. The regulations governing the scheme have also been published.

Hopefully they will

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Article

Business Interruption Test Case - To be continued...

The Supreme Court has granted 8 of the original parties to the FCA test case on Business Interruption insurance permission to appeal the decision handed down by the High Court in September 2020. 

The appeal will be heard by the Supreme Court from 16th November and is expected to last 4 days.  Businesses currently facing the prospect of further lockdowns or

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Article

Business Interruption Insurance – Victory for the FCA!

The High Court has today handed down it’s eagerly awaited judgement in a wholly unprecedented test case raised by the Financial Conduct Authority.  The test case sought to achieve clarity for businesses hoping to avail of their Business Interruption cover to recoup losses sustained as a result of the Covid-19 pandemic.  8 major insurers participated in the case and offered

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Article

Business interruption (BI) insurance – FCA Test Case now underway

In the early days of lockdown, I issued a brief update in which I expressed the view that companies with the benefit of ‘Covid responsive’ BI insurance cover would be in the minority. 

Whilst that remains the position, those with cover which may or may not respond depending on various matters of interpretation have been offered a glimmer of hope by

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Article

Commercial Property Landlord and Tenant Update

By way of update on the article published on 30 March the Government announcement on 24 April placed further restrictions on Landlords seeking to recover rent from Tenants.

The Coronavirus Bill was first introduced at the end of March with the most significant development for the landlord and tenant sector being that tenants of commercial premises will not be evicted from

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Article

COVID-19 (Coronavirus) Client Update

The welfare of our staff and clients is of paramount importance. Given the emerging situation with COVID-19 (Coronavirus) and the latest advice from the UK government we have now closed our office premises.

We have been preparing for the possible impact of COVID-19 for some time by enabling remote working for our solicitors, who are all readily contactable by email.

Please do not

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Article

Wrongful trading law suspension - Coronavirus Impact

On 28 March 2020, Alok Sharma, the UK Business Secretary, announced numerous proposals for the urgent reform to UK Insolvency Law in an attempt to protect UK companies, and more specifically their directors, who are facing the additional issues due to their businesses potentially becoming insolvent as a direct result of the impacts on our economy caused by the COVID-19

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Article

Credit and Hire Agreements - Coronavirus Impact

As the COVID-19 crisis escalates, many businesses and individuals face acute financial pressure. Wherever possible, lenders and suppliers of goods and services are being asked to accommodate requests for payment holidays and forbearance.

The rules and requirements relating to regulated modifying regulated credit and hire agreements (e.g. personal loan agreements, credit card facilities, vehicle lease and hire purchase agreements) under the

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Article

Supreme Court rules in Morrisons’ favour in landmark decision

 

The Supreme Court has handed down judgment in the UK’s first data breach group action, finding that Morrisons cannot be held vicariously liable for 2014 data breach by disgruntled employee.

The background

The case concerned Andrew Skelton, a former senior IT auditor, who was responsible for sharing payroll data of 126,000 employees with an external auditor. Skelton, who held a grievance

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Article

Commercial Property Landlord and Tenant Q&A

We are here to support you during these challenging and fast-moving times.

The latest updates from the Government reveal that they are continuing to act in an unprecedented fashion to help businesses through the 2019 novel coronavirus disease (COVID-19) crisis.

The most significant development for the landlord and tenant sector is that tenants of commercial premises will not be evicted from their

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Article

Conveyancing Transactions – Government Guidance

The Government has released guidance to the public on buying or selling residential homes.  Home buyers and renters should, as far as possible, delay moving to a new house while emergency measures are in place to fight coronavirus.

https://www.gov.uk/guidance/government-advice-on-home-moving-during-the-coronavirus-covid-19-outbreak

The recent guidance provides as follows:

  • If the property you are moving to is vacant then you can move provided you follow the

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Article

Disruption to Court Business – Coronavirus Impact

Having the right legal advice at the right time is crucial. Our expert team offers clear, concise and problem-solving legal advice aimed at addressing any concerns you may have in relation to the impact of COVID-19 on pending or ongoing litigation.

The Lord Chief Justice and the courts are implementing business continuity arrangements in order to mitigate any health risks as

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Article

How can I protect my business from a debtor getting into financial trouble or going into insolvency - Coronavirus Impact

As a result of the Covid-19 pandemic many businesses are faced with the very real threat that their unsecured debts will not be paid.  A number of issues should be considered in order to make the best decision as to how best to proceed:

  • Nature of relationship – does the debt relate to a contract for services or unpaid invoices?
  • Status of
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Article

Estate Planning - Coronavirus Impact

COVID 19 widely referred to as Coronavirus is the largest global health crisis in decades. The outbreak has not only caused alarming global health issues and death but an economic impact which will be felt by individuals, families and businesses.

Jeff Camarda in his column in Forbes wisely advises to “take a breath, get some perspective and balance” to plan for

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Article

Residential Sale and Purchase - Coronavirus Impact

The onset of Coronavirus threatens to create a number of issues with the sale and purchase of houses.  By entering into a contract to buy a house at this uncertain time you are committing yourself to complete by a certain date.  If the buyer fails to meet that date for any reason the seller can terminate the contract, keep the

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Article

Small Business Grants for Northern Ireland – Coronavirus Impact

The Northern Ireland Executive recently announced a grant scheme to help businesses deal with the impact of COVID-19.
 
The grant scheme consists of:

  • grants of £10,000 for recipients of the Small Business Rates Relief
  • grants of £25,000 for retail, tourism and hospitality businesses (if NAV is under £51,000)

It is anticipated that the small business grant scheme will assist around 30,000 businesses

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Article

Landlord and Tenant - Coronavirus Impact

Tenants of both private housing and commercial premises will not be evicted from their premises for at least 3 months if they are struggling to pay their rent.  These measures, included in the emergency Coronavirus Bill currently going through Parliament, will mean no individual or business will be forced out of their premises if they miss a payment in the

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Article

Contracts - Coronavirus Impact

There is a lot of information online about force majeure in the context of COVID-19, but the reality is that every contract is slightly different.  You can only know what your contractual rights and remedies are by reviewing your contracts in the context of the underlying facts.  There is no boilerplate response to this situation.  Understanding your contracts, and using

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Article

Insurance - Conoravirus Impact

Those with the benefit of Business Interruption Insurance which actually responds in the current situation will unfortunately be very much in the minority.   Standard policies tend to cover closure due to some calamity (e.g. fire or flood) which causes physical damage to premises.  Extensions to cover for infectious diseases usually contain a list of specified diseases (unlikely to include COVID-19).

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Article

Material Adverse Change - Coronavirus Impact

Material adverse change (MAC) is a drafting term covering unpredictable and unforeseen events or circumstances. MAC clauses are a common feature of facility letters and typically focus on issues that will impact borrower’s ability to perform obligations under a facility letter and associated finance documents.  The impact of COVID-19 is

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Article

Licensing Advice - Coronavirus Impact

This is undoubtedly a time of crisis for the hospitality sector.  The impact of trade disruption has presented those in the industry with a massive challenge on how to survive this difficult period.

Practical employment advice is key.  Looking at measures

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Article

Support to Employers - Coronavirus Impact

Employers are at the forefront of tough decisions. When taking these decisions it is important to safeguard against exposure to additional liabilities. This could easily happen if employers are not fully aware of the consequences of their actions.

Employers need to know it they can: send people at home, or keep them at work, have to pay full pay or sick

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Article

Access to Coronavirus Business Interruption Loan Scheme

To support lending to small businesses the government announced the temporary Coronavirus Business Interruption Loan Scheme as part of £330 billion of guaranteed loans for businesses.  The British Business Bank will deliver the scheme through participating lenders.

The Coronavirus Business Interruption Loan Scheme is a government measure to encourage finance providers to continue lending to small businesses throughout the coronavirus crisis.

The

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Article

Tesco To Sell Mortgage Portfolio

Tesco Bank announced that it is stopping new mortgage lending and that its mortgage portfolio is now for sale. Tesco Bank blamed "challenging market conditions" and "limited profitable growth opportunities" for its decision to withdraw from the sector.

 

 

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Article

Challenger Bank Faces Down Fake News

Customers queued earlier this month to withdraw cash and personal items from safety deposit boxes from Metro Bank. The queues at Metro Bank formed after rumours circulated on the messaging app, WhatsApp, that Metro Bank was in financial difficulties. The unsubstantiated messages advised the bank’s customers to withdraw any savings and empty safety deposit boxes.

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Article

Mental Health in the Workplace

Work-life balance is a term that employees often cite when switching jobs and which employers are keen to demonstrate they give thought to and prioritise.

In an era when employees feel that they have to always be available, whether they are in the office

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Article

Game of Thrones Returns

For those of us who did not have the stamina to stay up to the wee small hours of this morning, tonight marks the long awaited return of HBO's epic fantasy Game of Thrones. The series placed Northern Ireland firmly on the world stage in terms of film making and will leave behind

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Article

Do We Care About Sustainable Lending?

It has been recently announced that Australian online lender UBank is about to launch a direct customer "green term deposit". This product is focussed on more environmentally aware younger customers and is marketed as allowing depositors the chance to make a positive impact on the environment. UBank's green term deposit will be invested in projects

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Article

Debt Recovery. Avoiding the Pain of Late Payment

Small to medium sized enterprises (SMEs) are the driving force behind our local economy.  They account for 99.9% of all businesses in Northern Ireland and employ more people than all large businesses and the entire public sector, combined[1].  In a recent survey of NI businesses, when asked to identify the main barriers or obstacles impacting on success,

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Article

Sexual Harassment in the Workplace

Employment Director Kiera Lee discusses sexual harassment in the workplace. In the light of the #metoo movement, what do businesses need to know regarding workplace misconduct?

Kiera is head of the Employment department and has over 15 year in-depth experience in this complex, fast-changing area of law.

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Article

How will Brexit Affect the Hospitality Industry?

Like many other industries in the UK, the hospitality industry is collectively looking over their shoulder as the uncertainty that Brexit will have on their ability to operate, competitively or at all, intensifies. Depending on what statistics you rely on, anywhere from 15% - 25% of the hospitality workforce are EU nationals. Add in an already understaffed industry, which is

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Article

Top Tips for the Trade

Common Pitfalls in Liquor Licensing for Hotels and Restaurants and How to Avoid Them

In Northern Ireland liquor licensing is governed by legislation and the Courts (rather than local councils as in other parts of the UK).  As a result, it is increasingly important to obtain expert and timely advice in an attempt to avoid some of the most common pitfalls. Points

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Article

Lost Password Costs £105 million

It has been reported that users of Canada’s largest Cryptocurrency Exchange, QuadrigaCX are unable to access most of their funds amounting to around C$180m (£105m) as the sole password holder, Gerald Cotten, died apparently taking a vital password with him to the grave. 

 

One of the main attractions of cryptocurrencies is the enhanced security afforded to financial transactions. Cryptocurrencies are seen

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Article

How could Brexit affect corporate loans?

Corporate Borrowers and a No-Deal Brexit

As a no-deal Brexit seems more likely, UK lenders are starting to reveal details of their contingency plans. These contingency plans allow UK lenders to continue to provide banking services to European customers in the case of a no-deal Brexit.

Barclays recently announced contingency plans to transfer assets linked to around 5,000 customers worth £166bn to

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Article

Web Accessibility - A Pizza the Action

Pizza giants Domino’s Pizza kicked off 2019 with a potentially significant defeat before the Ninth Circuit Federal Court in the USA.  The Court ruled that Domino’s must make its website and mobile app fully accessible to the visually impaired.  The Claimant, who uses screen reader technology to navigate the internet, complained that he could not access certain functions of the

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Article

Clarity on civil service powers remains elusive.

Businesses hoping for clarification on the ability of senior civil servants to make decisions on significant infrastructure projects and other matters having a bearing on their strategic planning were left disappointed this week when the Supreme Court declined to answer several questions posed by Northern Ireland’s Attorney General. 

The Attorney General made a reference to the Supreme Court seeking authoritative guidance

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Article

What is a 'Vulture Fund'?

Vulture Funds

At Mills Selig we advise clients on all aspects of dealing vulture funds and over the past several years, we have helped many of our clients negotiate a significant amount of debt forgiveness, allowing them to refinance with new lenders.

What is a ‘Vulture Fund’?

This is a term used to describe a company that buys up

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Article

New Electronic Communications Code - same old problems?

Until recently, the Electronic Communications Code (Old Code), described by the courts as being “one of the least coherent and thought-through pieces of legislation…” had governed the installation and operation of telecommunications networks by operators. We are now in an age where digital connectivity is an essential part of everyday life, both for businesses and as individuals. The Old Code

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Article

Can Blockchain Protect Your Intellectual Property?

 

When we think of blockchain we automatically think of the technology that underpins Bitcoin – but it can do much more than that. Blockchain technology is now being developed across multiple sectors, where it is expected to have a transformational effect; from healthcare to pharma through supply chain logistics to food safety. Technologists are also exploring how it can be

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Article

Secondment - Another employee retention tool?

Secondment is becoming increasingly popular and is most often seen in the commercial sector where companies are keen to maximise the various skills and interests of their staff. The opportunity to go on secondment is the differentiating and decisive factor in a prospective recruit joining one company over a competitor.


There are potential benefits to secondment for both employers and employees.

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Article

Company Insolvency Procedures in Northern Ireland

In recent months we have seen in this jurisdiction a number of high profile Company failures that have caused great concern for unsecured creditors who are at risk of insolvency themselves as a result of a principle source of their income becoming threatened.  In the case of companies, the main types of Insolvency procedure are Administration,

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Article

Using Fixed Term Contracts Effectively

CONTRACT CLAUSES – FIXED TERMS

It is a requirement of Article 33 of the Employment Rights (Northern Ireland) Order 1996 that any terms of employment confirms the duration of that employment. This is particularly important where any appointment is temporary or for a fixed term. Contracts should set this out clearly to avoid later dispute. A fixed term contract starts on

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Article

Repayment and Penalty Clauses in Contracts of Employment

Repayment and deductions clauses are useful tools for employers. They can be used to clawback training costs and other debts, as a disciplinary sanction, an incentive to stay in employment for longer or as a deterrent to breaching the contract of employment. There are some considerations when drafting these clauses to ensure they are enforceable.

Making a deduction

Employers rarely bring proceedings

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Article

Making an Offer of Employment

Letters of offer

A letter of offer of employment is often the start of employment relationship. It is an important document and needs to be drafted with care to avoid disputes and misunderstanding. Decide if the letter of offer is to be just that or whether it will constitute the contract.

The letter of offer can be used either as a stand-alone

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Article

Concurrent Delay – Deal With It!

You know that recurring argument your parents had when you were younger?

Parent 1: “If you hadn’t spent so long getting ready we wouldn’t have been late.”

Parent 2: “Well maybe if you had known where we were going we would have got there on time.”

We often argue over ‘time’ and whose fault it is when we are late.

But what if there

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Article

Does an Employment Contract Need a Mobility Clause?

It is a requirement of Article 33 of Employment Rights (NI) Order 1996 (statement of particulars of employment) that an employer is required to state an employee’s place or places of work. These details are often contained in a contract by way of a mobility clause which reserves the right of the employer to change the place of work. When

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Article

Brexit, Gambling and NEC Contracts

He said, “If you’re gonna play the game, boy
You gotta learn to play it right.” 
​ (The Gambler, Kenny Rogers)

The day before the Brexit referendum I placed a (small!) bet on a ‘Remain’ outcome; not my finest moment, but I wasn’t alone in thinking, “it will never happen”.  Since then it has occurred to me that my thought process might later


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Article

Will Brexit put Data Protection on Notice?

Changes to the data protection rules are imminent with the intorduction of the General Data Protection Regulation which seeks to improve the rights of individuals in an increasingly digital age. Will the GDPR affect businesses in Northern Ireland if the UK leaves the EU?

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Article

Northern Ireland Renewables Obligation – Is there a Saving Grace?

Renewable energy and the government subsidies connected to it have been topics of intense scrutiny lately.

Whilst the Renewable Heat Incentive has rarely been out of the press, the closure of the incentives scheme in relation to small onshore wind generating stations has also been the cause for much debate within that industry. 

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Whitepaper

Being Smart with Intellectual Property

You’ve done your business registration, created your business plan, designed your website and negotiated with business partners but there’s still something important you must do – protect your intellectual property

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Whitepaper

Raising Capital

Whether you’ve been in business ten weeks or ten years, an injection of funds is always welcome and often necessary to take your business to the next level. 

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Whitepaper

Start-up 101

“Starting Companies is a lot like launching rockets: if you’re a tenth of a degree off at launch, you may be a thousand miles off downrange” Craig Johnson

Record numbers of new businesses are being started every day in the UK and some are calling this the ‘golden age’ of entrepreneurship.

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Whitepaper

The Family Home and Inheritance Tax

Inheritance tax is payable at the rate of 40% on a deceased person’s estate where the net assets are greater than £325,000. This is called nil rate band (NRB). If the NRB is not used on the death of the first spouse (this term includes civil partners) any unused NRB may be transferred to the surviving spouse. This means an

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Whitepaper

Redundancy and TUPE the duty to consult employees

TUPE is a complex area that will change and be refined by ongoing caselaw. We keep up to date on these developments so that we are aware of how the changes affect your business.

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Whitepaper

Collect the Cash Avoid the Crisis

Whether your business is booming, breaking even or struggling in difficult economic times, the common denominator is cash collection.

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Article

Tesco to Sell Mortgage Portfolio

Tesco Bank announced that it is stopping new mortgage lending and that its mortgage portfolio is now for sale. Tesco Bank blamed "challenging market conditions" and "limited profitable growth opportunities" for its decision to withdraw from the sector.

 

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Latest News


Chris Guy named 'Dealmaker of the Year'

Chris Guy named 'Dealmaker of the Year'

The judges were asked to consider the significance of the deals they were involved in during the

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