Kerseys Solicitors June 2025 Newsletter
Kerseys Solicitors June 2025 Newsletter
Just a click or call away for all your legal services needs
How to Protect Your Property from Fraud?
Property fraud is a growing concern with increasing reports of cases of identity theft, illegal sales, or mortgaging of property by fraud.
Who is at risk most?
- If you have rented property or a vacant property (holiday let, or second home)
- Owners living abroad
- Elderly homeowners
- Properties which are mortgage free
There are a number of actions property owners can take to reduce the risk as follows:
- Register your property – If your property is not currently registered with the Land Registry it is more vulnerable to fraud. Registration allows your ownership to be officially recorded and helps to protect against fraudulent claims
- Sign up for HM Land Registry Property Alerts – The Land Registry offer a free Property Alert Service. You will receive an email if someone tries to change your property’s title. This can act as an early warning sign
- Place a Restriction on Your Title – you can apply for a restriction to be registered on your title preventing any sale or mortgage or transfer unless a solicitor or conveyancer certifies the application has been made by you. This adds an additional layer of protection
- Keep your Property Title updated – You can update your current addresses, email addresses and or phone numbers with the Land Registry, free of charge. Keeping your information up to date will enable the Land Registry to contact you easily if any suspicious activity is detected
- Keep your personal data safe – be cautious with personal data and sensitive information including identification documents and utility bills, etc. Fraudsters often use these to impersonate the real owners
Christina Morlham, Senior Associate Solicitor in the Residential Conveyancing department at the Woodbridge office has specialised in residential conveyancing since 2013 and has a wealth of experience in all conveyancing transactions. Christina would be happy to discuss how to protect your property and assist in making any relevant applications to the Land Registry.
If you would like any further assistance or a quotation for the sale and/or purchase of your property please do not hesitate to contact Christina at the Woodbridge office on 01394 813736 or [email protected]
Property Fraud – Kerseys Solicitors
New Office Location for Felixstowe
Kimat Singh – Jane Riley – Matt Clemence
We are delighted to announce the move to our new premises in Felixstowe
Our new office in Felixstowe is designed to offer a welcoming, professional environment for both clients and staff, and is conveniently located in the high street.
Kimat Singh, Managing Partner says “This move marks an exciting step in Kerseys Solicitors continued growth and long-standing commitment to the local community.
Our firm has been supporting individuals, families, and businesses in and around Felixstowe for many years and now, with more space and improved facilities, we are able to make the experience even more welcoming and accessible for our clients.
Whether you are moving house, preparing or updating your Will or LPA, navigating family difficulties, or dealing with a business matter, we are here to help – right in the heart of Felixstowe.”
Conveyancing, Probate, Wills, and Lasting Powers of Attorney (LPA)
The Felixstowe office is open from 9:00am to 5:15pm, Monday to Friday. To schedule an appointment, please contact us on 01394 834557 or email us at [email protected]. Alternatively, you can visit our website at www.kerseys.co.uk and request a call back.
The firm’s new office is 87 Hamilton Road, Felixstowe, Suffolk IP11 7BQ
Our Equity Partners, Kimat Singh,Jane Riley, and Matt Clemence, along with the newly appointed
Mayor of Felixstowe – Cllr Corrine Franklin – officially opened the Felixstowe office Thursday 5 June 2025
New Faces to Kerseys Solicitors
Amanda Powell joins us as Legal Assistant to Sarah Whitein ourPrivate Client Lawteam based in Ipswich.
Vanessa Jones joins ourResidential Property Lawteam in Felixstowe supporting Jenny Dawson; along with Rebecca Ward, who will be based in reception, and assisting the Felixstowe team.
Mental Health Awareness Week
12 – 18 May 2025
Staff enjoying an extra tea & biscuit break
Mental health is everything, everywhere, everyone
As an employer you have a duty to consider your employees’ mental health every day.
Mind states that that ‘Every year, 1 in 4 of us will experience a mental health problem. But too many of us aren’t getting the help we need’, and goes on to explain that ‘over 2 million people are waiting for NHS mental health services, and since 2017 the number of young people struggling with their mental health has nearly doubled’.
We recognise that there are a wide range of mental health conditions which will affect each individual differently. On that basis, our Employment Law team briefly outlines ways your business can support its employees.
Looking after your employees
As an employer you could:
- Regularly check in with your employee and ask if they have any wellbeing concerns. It is key to maintain strong communication and know your staff well;
- Offer mental health support – Employee Assistance Programme (EAP) can provide support on personal and work-related issues in order to increase your employee’s wellbeing. It is key that all employees are aware of such programmes, and know how to access the same;
- When onboarding new employees, try to help them make new connections. For example, a buddy scheme is a great way of doing this to ensure they feel supported at work;
- Disability – under the Equality Act 2010, a disability is defined as a mental or physical impairment that has a substantial and long-term adverse effect on a person’s ability to carry out day-to-day activities. Employers must make reasonable adjustments when:
– a disabled staff member or job applicant asks for adjustments;
– someone’s absence record, sickness record, or delay in returning to work, is because of, or linked to, their disability
Kerseys Solicitors HR Services & Employment Law Team are just a click away visit our website and click “Call Me Back” and a member of our Employment Law team will be happy to contact you at a time that is convenient to you for your free 30 minute initial consultation.
Charities
Mind – National support line 0300 102 1234
Kerseys Solicitors have their own dedicated giving page for Suffolk Mind as they are our “Charity of the Year”
https://www.suffolkmind.org.uk/giving-pages/kerseys-solicitors/
CALM – The Campaign Against Living Miserably. Preventing suicide since 2005. CALM can be contacted on 0800 58 58 58 (https://www.thecalmzone.net/)
Samaritans – Confidential support for people experiencing feelings of distress or despair. The Samaritans can be contacted free on 116 123 (https://www.samaritans.org/)
Danielle Ryder, completed the London Marathon 2025 on behalf of Endometriosis UK
Danielle said the training was “Both physically and mentally draining but the feeling you get once you have achieved a new pace or completed your long run makes it all worth it. I could not have completed the training without all of the support and motivation I received from family, friends, and colleagues, and I really do mean that with all my heart.
“The marathon itself was an emotional rollercoaster! There were happy tears, there was sad tears, there was tired tears, but I would not have changed it for the world. The atmosphere was phenomenal. Running over the London Bridge was unbelievable. I kept reminding myself that I was doing this for all of the women out there struggling with endometriosis, and that I could not let all the wonderful people who have supported me down. The crowd really does also keep you going, and I do not think I would have had such an amazing experience if it had not been for my partner and family being there on the day supporting me at multiple different miles.
“Straight after, I was a blubbering mess and I could hardly walk, but it was rather hilarious! I was on such a high for a good week or so afterwards, I would randomly get emotional thinking about what I had just achieved both running 26.2 miles, and raising money, and awareness, for such an important cause. I did also say that I would not pick up my running shoes again, but I have actually entered the Ipswich half marathon, I just cannot help myself!
I found running to be a massive positive impact on my mental health. It boosted my mood, reduced my stress, and actually relaxed me overall. I would recommend everyone to chuck on their trainers and go for a run. You will not regret it.
Danielle has raised £1,359 so far. If you wish to donate – Danielle Ryder is fundraising for Endometriosis UK
Why am I Paying an Empty Homes Premium on my Council Tax?
What is the empty homes premium, when does it apply, and what plans are there to extend it to second homes?
The council tax system in England, Scotland and Wales allows billing authorities (district and unitary councils) to charge higher rates of council tax on properties that have been “unoccupied and substantially unfurnished” for certain periods of time. The aim of this is to encourage owners to bring empty properties back into use. This power dates from 2013 in England and Scotland and 2017 in Wales. Further legislation was passed in 2018 in England extending the maximum additional charges.
The law sets a maximum charge that a council can make. For instance, after a property has been “unoccupied and substantially unfurnished” for one year, an authority in England can charge up to 200% of the normal council tax bill (see the table below). The calculation of the empty homes premium is based on the normal council tax band of the property. The band itself is not affected by the empty homes premium.
The ‘reset period’
When a property is reoccupied, the premium is no longer payable. However, if the property becomes empty again before the ‘reset period’ has elapsed, the premium will apply again immediately. If the property is reoccupied for longer than the reset period, a further one-year period will have to elapse before a premium can be charged again. This is to prevent people from occupying a property for, say, a few days in order to have the premium disapplied, then moving out again.
How do the rules on council tax premiums differ across Great Britain?
When does an empty homes premium not apply?
In England, an empty homes premium cannot be charged if:
- The property that had attracted a premium is let out. The tenant will then become liable for council tax payments. The premium will cease to apply because the property is no longer empty.
- The property is empty because the owner has to live in armed forces accommodation for job-related purposes.
- The property is an annexe that is being used as part of the main property (annexes will often have a council tax band of their own).
New exemptions from the empty homes premium have also been introduced from 1 April 2025:
- A 12-month exemption running from the date probate is granted, for a property that is empty because the occupant has died.
- A 12-month exemption for a property undergoing major repairs or structural alterations. This exemption cannot be re-used until the property has been sold.
- A 12-month exemption for a property being marketed for sale or let. This exemption cannot be used again until the property has been sold, or let for at least six months.
These three exemptions beginning in 2025 could be used one after the other. For instance, the probate exemption could be used for 12 months, and the sale or let exemption for a further 12 months. However, these are exemptions from the empty homes premium, not from the entire council tax bill.
The categories of exemption are explained at greater length in a government consultation response from March 2024, and in statutory guidance that the government published in November 2024. Guidance from the Welsh Government (PDF) on other circumstances in which a premium cannot be charged is also available.
The owner of a property is liable to pay the empty homes premium. The buyer of a property cannot become liable for a premium that was due before they bought the property.
Reminder to Protect your Computers
Microsoft will end Windows 10 support for security updates on 14 October 2025. Your device may be able to be updated to Windows 11 but if not please seriously consider adding a new computer to your Christmas list. Running on Windows 10 after that date is a dangerous option and puts yourself at risk.
Scammers are Getting Smarter
Be Aware – Protect Yourself
Safe and Secure Web Sites
A web site address link will start with https:// not http:// If not, the web site is not secure. Do not click a link to this web site
Fake Emails (Phishing)
If in any doubt never click a link in an email
- The email display name is different to the email address – hover over the display to check it
- If you have never received something from the sender before and are not expecting it, delete it. If it is important they will contact you
- If there is no email address in the “TO” box
- Check the company number on the bottom of the email
- If you receive a call asking about account information, or telling you there is a problem with your internet, your bank, etc., ask them for a contact number. They will hang up on you
- NEVER give out a personal user names, password or account information
- NEVER agree to provide them with access to your device
Public Wi-Fi
- The most common thing we all do when we reach our hotel or coffee shop is connect to a public wi-fi. After all, why use your data when you can get free wi-fi?
- Consider carefully whether the free Wi-Fi is worth risking your personal details
- If you see two display names the same when connecting to a wi-fi point DON’T connect. Inform the company of a concern
Fake Text Messages (Smishing)
- Fake text messages are known as “Smishing”
- NEVER click a link in a text message, these are common now from scammers pretending to be from Royal Mail, Amazon, Telephone Providers or your Bank
What do I do instead?
- Open a web browser and login to your account directly from a web page rather than a link in a text message
Security on your device
- Ensure you regularly update your device with software security updates
- Never save passwords or leave bank details in your apps. Many people do it to save time and it is easier, but it is a risk if someone had your device and hacked into it – they have everything
- Ensure you update your apps
- Only use apps from the app store/play store. If you download apps from a web site you cannot be sure it is safe