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We are HHD Solicitors, a leading law firm with partner led specialist teams offering expertise in all areas of law. With continuous growth, innovative development and a people-focused approach.

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Rosemary Millar recognised in Chambers Guide for Clinical Negligence

We are delighted to announce that Rosemary Millar, Partner at HHD Solicitors has been recognised…

Announcement

16th October 2026

Celebrating 25 years with HHD

Today we’re celebrating a very special milestone as Caroline Dunlop marks 25 years with HHD…

Announcement

22nd September 2026

Ringing endorsement for Damian Deazley

In a recent review, the client praised our Litigation Partner, Damian Deazley, for his professionalism,…

Announcement

26th June 2026

From Cliftonville Road to Oldpark Road: 30 Years of HHD Solicitors

Today, HHD Solicitors proudly celebrates its 30 years in practice, marking three decades of serving…

Uncategorized

8th May 2026

HHD Solicitors supporting WAVE Trauma Centre in Belfast Marathon

A team from HHD Solicitors will be taking part in the Belfast Marathon Relay on…

Announcement

29th April 2026

£40,000 in compensation secured for our client injured at a local leisure centre

Our client was injured when a chair on which he sat collapsed and he fell…

Case Study

28th April 2026

£25,000 compensation for client involved in slipping accident

Our client slipped and fell on a wet floor whilst visiting a property owned, managed…

Case Study

28th April 2026

£17,000 compensation for client involved in a road traffic accident

Our client was involved in a road traffic accident which was not his fault. Our…

Case Study

27th April 2026

£7,000 compensation for tripping accident

Our client suffered an injury after tripping on a hazardous pothole which created a clear…

Case Study

27th April 2026

BSA meets with Law Society of Northern Ireland to discuss key issues affecting the profession

HHD Solicitors Partner, John O’Kelly in his role as Chair of the Belfast Solicitors Association…

Announcement

24th April 2026

£30,000 compensation for failure to properly insert a contraceptive device

Our client attended a health care professional for insertion of an intra uterine contraceptive device. …

Case Study

20th April 2026

£15,000 compensation for our client following slipping accident

Our client was involved in a slip accident caused by a wet floor in a…

Case Study

20th April 2026

£14,000 compensation for our client following a car accident

Our client was a passenger in a vehicle involved in a road traffic collision –…

Case Study

20th April 2026

£185,000 compensation secured for client who suffered as a result of childhood historical institutional abuse

We recently secured a settlement of £185,000 for a client who suffered serious abuse whilst…

Case Study

20th April 2026

£45,000 in compensation secured for our client injured at the gym

Our client was injured on an item of defective gym equipment sustaining injury to her…

Case Study

20th April 2026

£30,000 settlement for client following substandard neurological treatment

Our Rosemary Millar recently secured a £30,000 settlement for a client who suffered as a…

Case Study

14th April 2026

£16,000 compensation for client involved in road traffic accident

Our client was suddenly rear ended by another vehicle through no fault of his own. …

Case Study

14th April 2026

£12,500 compensation for accident at home

Our client sustained injuries after falling through the floor of her upstairs bedroom at a…

Case Study

14th April 2026

£2.2 million damages secured for our client who was a victim of a medical accident

Due to a delay with the investigation and diagnosis of back symptoms when our client…

Case Study

14th April 2026

£40,000 compensation secured for our client injured at work

Our client sustained an injury to his left index finger while operating a band saw…

Case Study

2nd April 2026

£17,500 compensation secured following workplace accident

Our client sustained injuries following an accident at work caused by the negligence of her…

Case Study

2nd April 2026

£32,000 compensation secured following road traffic accident

Our client was approaching a busy roundabout in Belfast when his vehicle was suddenly struck…

Case Study

2nd April 2026

£125,000 compensation secured for client following substandard medical treatment

Rosemary Millar recently secured a £125,000 settlement for a client who suffered as a result…

Case Study

30th March 2026

£45,000 compensation secured for client diagnosed with Asbestosis

Our client was employed in a shipyard where he was exposed to asbestos dust during…

Case Study

30th March 2026

ABC Trust Community Hub officially launched in North Belfast

Thank you to Elaine Burns and the team at ABC Trust for the kind invite…

Announcement

12th March 2026

Could workplace noise have damaged your hearing?

Noise induced hearing loss is one of the most common industrial diseases affecting employees who…

Advice

11th March 2026

HHD Solicitors welcome greater workplace accident accountability

Recent figures published by the United Kingdom Health and Safety Executive revealed 124 worker fatalities…

Advice

10th March 2026

John O’Kelly welcomes BSA charity partnership with WAVE Trauma Centre

HHD Solicitors Partner John O’Kelly, Chair of the Belfast Solicitors Association, has welcomed the Association’s…

Announcement

10th March 2026

HHD Solicitors welcomes landmark Supreme Court ruling

HHD Solicitors, one of Northern Ireland’s leading firms specialising in clinical negligence cases, welcomes the…

Advice

27th February 2026

High Court settlements for “money warrant” claims

HHD Solicitors have been instructed in a number of money warrant claims, several of which…

Announcement

27th October 2025

HHD Solicitors ranked by Chambers & Partners for Clinical Negligence expertise

HHD Solicitors are proud to announce that both our Clinical Negligence Department and Rosemary Millar…

Announcement

22nd October 2025

Case Study: £125,000 settlement for client following substandard gynaecological treatment

Our Rosemary Millar recently secured a £125,000 settlement for a client who suffered as a…

Case Study

9th September 2025

Case Study: £25,000 for scarring injury claim

Our client sustained a laceration to her leg whilst using the hot tub in a…

Case Study

11th August 2025

The importance of doli incapax in defending historical allegations of sexual abuse

When defending historical allegations of sexual abuse, particularly those involving minors, it’s essential to understand…

Advice

24th July 2025

Case Study: £18,000 compensation for RTA personal injury claim

If you have had a road traffic accident that has caused you injury you may…

Case Study

4th July 2025

Facing redundancy: know your rights and your options

We understand that facing redundancy can feel overwhelming. At HHD our expert employment solicitors can…

Advice

27th May 2025

Divorcing or Separating? How HHD Solicitors can help

At HHD our Family and Matrimonial Solicitors have a wealth of experience advising and representing…

Advice

7th May 2025

Recognising Excellence: Rosemary Millar receives high praise

We are proud to share a heartfelt letter of recognition for one of our dedicated…

Announcement

31st March 2025

Guidance for Criminal Injuries Applications

If you have suffered injury as a result of a criminal act, you may be…

Advice

12th June 2024

Case Study: £8,500 compensation for RTA personal injury claim

If you have had a road traffic accident that has caused you injury you may…

Case Study

22nd May 2024

Navigating the Legal Road: claiming compensation for personal injury in road traffic accidents

The Bank Holiday season is a time for many of us to hit the road….

Advice

15th May 2024

Trekking the Camino for WAVE Trauma

On 4 May 2024, our Matthew Higgins will be setting off to walk the ancient…

Announcement

26th April 2024

Case Study: £15,000 compensation for untraced driver MIB Claim

If you have had a road traffic accident that has caused you injury you may…

Case Study

24th April 2024

High Court declares provisions of NI Troubles Legacy Act 2023 as being incompatible with ECHR and EU law

A Judicial Review taken by the families of victims killed or seriously injured during the…

Announcement

26th March 2024

International Women’s Day 2024

On International Women’s Day 2024, HHD Solicitors proudly celebrate the remarkable women within our team….

Announcement

8th March 2024

Rosemary Millar and John O’Kelly appointed Partners at HHD Solicitors, Belfast

Leading law firm HHD Solicitors proudly announce the appointment of Associates Rosemary Millar and John…

Announcement

13th February 2024

Featured Image for HHD Solicitors’ Case Reaches the UK Supreme Court: challenging the continuation of a patient’s detention under the Mental Health Order 1986

HHD Solicitors’ Case Reaches the UK Supreme Court: challenging the continuation of a patient’s detention under the Mental Health Order 1986

Proceedings had been brought on behalf of our client to the Mental Health Review Tribunal…

Announcement

15th November 2023

Stalking protection orders introduced in Northern Ireland

Stalking protection orders can now be granted by the Magistrates Courts to protect victims of…

Announcement

8th November 2023

Chambers and Partners UK Guide 2024

HHD are delighted to have been recognised in the Chambers and Partners UK Guide 2024…

Advice

7th November 2023

Breach of Personal Data: Rights and Remedies

In an increasingly digital world, the safeguarding of personal data has become a paramount concern….

Advice

14th August 2023

Court of Appeal win for mentally impaired patient wrongfully detained

In March 2018, a jury determined that our client ‘RM’ was unfit to plead to…

Announcement

21st February 2023

5* Review Following £two Million Settlement

Should you be injured or have an accident, do not hesitate to contact Damian Deazley…

Announcement

22nd December 2022

HHD latest case before the Court of Appeal

Ex-pro poker player jailed over running £2.25m cannabis operation across NI wins appeal to have…

Announcement

28th November 2022

Received a Summons for Driving Offences?

Advice

31st March 2022

Case Study – Asbestos personal injury claim – Mesothelioma

Our client’s family thanked the team for all of their hard work and the successful…

Case Study

21st March 2022

Case Study – Breach of Data Protection Act

Our client was delighted with the outcome and how promptly his claim was processed.

Case Study

15th March 2022

WAVE Trauma Centre HIA Support

WAVE Trauma Centre’s Support phone lines are open until 8.00 pm this evening to provide…

Announcement

11th March 2022

Case Study – £70,000 compensation for passenger RTA claim

Our client and her family were delighted to receive the compensation due so promptly after pursuing the claim. If you…

Case Study

1st March 2022

House Purchase in NI with Co-Ownership Housing Association Limited – Frequently Asked Questions

Our team will be able to advise you on all steps involved in the conveyancing…

Advice

16th February 2022

Case Study – House Buying and Selling at the same time

Case Study

8th February 2022

Contact Proceedings – Frequently asked questions

Advice

17th January 2022

Matt Higgins – Notary Public

HHD principal Matt Higgins is a Notary Public, which is an officer who can administer…

Announcement

4th January 2022

Protection From Harassment – All You Need To Know About Civil Injunctions

If you are the victim of harassment and would like further information on how our…

Advice

14th December 2021

Should I settle my claim arising from a car accident directly with the other driver’s Insurance Company?

Advice

25th November 2021

Do I need a Solicitor for road traffic offences?

As such, it is important that you seek legal advice so as to ease your…

Advice

16th November 2021

‘No hidden fees’ involved in a property conveyance

At HHD solicitors, we have a team of highly experienced solicitors who handle all property…

Announcement

11th November 2021

HHD – one of the top 40 law firms

We are delighted to have been selected by our fellow members of the legal profession…

Announcement

6th November 2021

Case Study – Application to change a child’s surname and extinguish the Father’s parental responsibility

Case Study

2nd November 2021

10 top tips if you have an accident at work

Advice

26th October 2021

What is a Power of Attorney? And other Frequently Asked Questions

A Power of Attorney enables you to choose a person/or persons (called an attorney) to…

Advice

19th October 2021

Case Study – New Build Site Purchase

Case Study

14th October 2021

Accidents happen! Personal injury claims involving children

Advice

5th October 2021

Five reasons to make or update your will

If you don’t have a will or it no longer reflects your circumstances, your affairs…

Advice

28th September 2021

What are Grandparents’ rights to contact with their grandkids?

If you are a grandparent and you would like and you are not happy with…

Advice

16th September 2021

Case Study – First Time Buyers, House Purchase

Our clients were very pleased with the Conveyancing department and how efficiently the transaction was…

Case Study

7th September 2021

I’ve been in a car accident. How can I pay for my court case?

If you have been involved in an accident and there is a dispute about who…

Advice

3rd August 2021

Case Study – £7,000 compensation for Passenger involved in Road Traffic Accident

Our client was delighted to receive the compensation due so promptly after pursuing the claim….

Case Study

18th May 2021

Interim Damages Payment for Client

Please contact Mr Deazley in confidence if you wish to discuss a catastrophic injury or…

Advice

26th February 2021

Encrochat Hack: What we know so far

If you have used EncroChat in the past and are concerned that you could be caught up in…

Announcement

12th February 2021

Case Study – £6,000 compensation for RTA in England

Our client was delighted to receive the compensation due so promptly after pursuing the claim. If you have had a road…

Case Study

9th February 2021

Case Study – £Injury compensation for stabbing victim

Our client was delighted to receive the compensation due so promptly after pursuing the claim. If you have been the victim…

Case Study

2nd February 2021

Case Study – £10,000 compensation for Westlink untraced driver MIB Claim

Our client was delighted to receive the compensation due so promptly after pursuing the claim. If you have had a road…

Case Study

5th January 2021

HHD promotes John O’Kelly to Associate Solicitor

John graduated from the University of Ulster in 2010 with a 2:1 degree in Law…

Announcement

4th December 2020

Case study – £30,000 compensation for cyclist RTA claim

Our client and her family were delighted to receive the compensation due so promptly after pursuing the claim. If you…

Case Study

27th November 2020

BBC News report 24/11/20 – Urology public inquiry ordered over consultant Aidan O’Brien

According to recent media reports, the Southern Health and Social Care Trust have announced that…

Announcement

24th November 2020

Case study – Compensation for taxi driver and passengers involved in RTA

Case Study

28th August 2020

Case Study – Cyclist caused injury by pothole on road

Our client was delighted to receive the compensation after pursuing the claim. If you have had a cycling accident which…

Case Study

25th August 2020

Case Study – £65,000 compensation for pedestrian RTA claim

Our client was delighted to receive the compensation due so promptly. If you have been involved in an accident as…

Case Study

21st August 2020

Case study – Motorcyclist Knocked Off His Bike Awarded £90,000 Injury Compensation

Our client was delighted to receive the compensation due so promptly after pursuing the claim. If you have been involved in…

Case Study

18th August 2020

Press news articles on legal action for failure to implement victim compensation scheme – #LetRightBeDone

HHD solicitors Matt Higgins and Caroline Dunlop are currently proud to represent Jennifer McNern in…

Announcement

18th August 2020

Sentencing of mentally impaired offenders – the Northern Ireland “black hole”

It has long been established that some offenders are not “fit” to stand trial. The…

Case Study

14th August 2020

HHD assists women with vaginal mesh claims

The Independent Medicines and Medical Devices Safety Review for England, chaired by Baroness Julia Cumberlege, published…

Announcement

7th August 2020

Case study – RTA high speed impact with livestock

We obtained compensation for Mr D at no cost to him and he was delighted…

Case Study

5th August 2020

ILN article 23/07/20 NI: Executive should be ‘very slow to interfere’ with 12-person jury trials

According to newspaper reports over the weekend, a reduction in the size of juries from…

Case Study

24th July 2020

Case Study – C (a minor) -v- Northern Ireland Housing Executive

Our client thanked the team for all of their hard work and the successful outcome…

Case Study

24th April 2020

Father’s rights when relationships breakdown

When mothers and fathers separate, we recognise that often a father may feel like his…

Advice

24th January 2020

Matt Higgins – Notary Public

HHD principal Matt Higgins is a Notary Public, which is an officer who can administer…

Announcement

8th January 2020

What to expect – Private Law Children Order Proceedings

In an ideal world, you and your ex-partner would have an amicable relationship and be…

Advice

7th January 2020

Case Study – Minor Siblings involved in a Road Traffic Accident awarded £4500 and £3000 for Personal Injuries

If you have had a road traffic accident that has caused you an injury you…

Case Study

3rd January 2020

Book Launch ‘Bail Law and Practice in Northern Ireland’ 6th December 2019

Our Matt Higgins, Charlene Dempsey and John O’Kelly pictured below at the launch of ‘Bail…

Announcement

10th December 2019

Dr Michael Watt – apology letters from Belfast Trust – October 2019

The Belfast Telegraph has recently reported that some patients involved in the Dr Watt recall…

Announcement

18th October 2019

Case Study – £7,000 Compensation for Tripping Accident

During gas works being carried out in our client’s apartment complex by Kier contractors, he…

Case Study

15th October 2019

Case Study – Fall in nursing home after failing to receive correct medication

Case Study

25th September 2019

Case Study – Death due to blood clot following leg surgery after fall from ladder

Case Study

18th September 2019

$Featured Image for Case Study – Failure of Hospital to properly treat child’s fractured arm$

Case Study – Failure of Hospital to properly treat child’s fractured arm

Case Study

11th September 2019

Case Study – £14,000 compensation for accident in Food Store

Our client was delighted to receive the compensation due so promptly after pursuing the claim. If you have had an accident…

Case Study

23rd July 2019

Case Study – Unfair dismissal, redundancy and sex discrimination

Case Study

10th July 2019

HHD takes ‘Action on Mesothelioma – Friday 5 July 2019’

Announcement

5th July 2019

Case Study – Cyclist caused injury by pothole on road

Case Study

2nd July 2019

Case Study – £22,500 for tripping accident claim

Case Study

26th June 2019

Case Study – £6,500 for rear end car accident claim

Case Study

21st June 2019

Case Study – End of catheter removed years after being inserted – hospital sued

Case Study

18th June 2019

Case Study – Mother of cerebral palsy child awarded damages for her own injuries at birth

Case Study

11th June 2019

Case Study – £10,000 compensation for bus passenger MIB Claim

Case Study

5th June 2019

Matt Higgins appointed to the Board of Members of Belfast Charitable Society

Announcement

24th May 2019

Attention Landlords – changes in licensing laws for Houses in Multiple Occupation (HMO)

From 1st April 2019, the Houses in Multiple Occupation Act (Northern Ireland) 2016 will come…

Announcement

22nd May 2019

Case Study – Negligent Dental treatment – retained foreign body

Case Study

21st May 2019

Case Study – Negligent Anaesthetic treatment following Emergency Caesarean Section

Case Study

14th May 2019

Case Study – £12,500 compensation for child involved in a tripping accident

Case Study

16th April 2019

Case Study – £60,000 compensation for Passenger RTA claim

Case Study

20th March 2019

Case Study – £65,000 compensation for pedestrian RTA claim

Case Study

26th February 2019

Compensation for Victims of Violent Crimes

Announcement

30th January 2019

Case Study – £45,000 compensation for passenger RTA claim

Case Study

29th January 2019

Dr Michael Watt – interim suspension from practice – Jan 19

Announcement

8th January 2019

Case Study – Hospital acquired infection (MRSA) led to paralysis

Case Study

2nd January 2019

Case Study – Loss of kidney due to negligent gynae treatment

Case Study

18th December 2018

‘Same household rule’ unlawfully discriminated against victim – ILN 26/11/18

A woman who had her application for criminal injury compensation refused due to the “same…

Announcement

30th November 2018

Case Study – £30,000 compensation for pedestrian RTA claim

A criminal case ensued and the defendant was prosecuted for criminal driving offences.

Case Study

20th November 2018

Court fines and Non-payment

If you are facing any issues regarding non-payment of court fines, contact a member of…

Advice

14th November 2018

Case Study – Negligent treatment of diabetes during pregnancy

Case Study

7th November 2018

Case Study – Driver awarded compensation for injuries and private physiotherapy

Case Study

26th October 2018

Case Study – Cyclist Knocked Off His Bike Awarded £7,500 Injury Compensation

Case Study

24th October 2018

Case Study- £7,500 compensation for slipping accident in Shopping Centre

Case Study

9th October 2018

Case study – £20,000 compensation for child knocked down

Case Study

2nd October 2018

Attention all First Time Buyers!

Advice

11th September 2018

Case study – Motorcyclist Knocked Off His Bike Awarded £90,000 Injury Compensation

Case Study

31st August 2018

Case study – £75,000 compensation for elderly pedestrian RTA claim

Case Study

28th August 2018

Case study – Compensation for taxi driver and passengers involved in RTA

Case Study

24th August 2018

Case study – RTA high speed impact with livestock

Case Study

21st August 2018

Case study – Family of man fatally injured in car accident sue negligent driver for damage

Case Study

14th August 2018

HHD supports UU School of Law at annual prize giving ceremony

Announcement

7th August 2018

Surviving Mesothelioma claim settled for £425,000

Announcement

31st July 2018

HHD assists women with vaginal mesh claims

Announcement

7th July 2018

Belfast Widower’s Asbestos claim settled for £350,000

Announcement

14th June 2018

Local Authorities Vicariously Liable for Abuse Committed by Foster Carers

Case Study

9th May 2018

Belfast Trust Review of Patients of Dr Michael Watt

Announcement

3rd May 2018

HHD Secure release of EU National Unlawfully Detained

Announcement

23rd April 2018

NI Cases take twice as long as Mainland UK

Announcement

27th March 2018

HHD Successfully Defend Deportation Order

Case Study

21st March 2018

Hyponatraemia Inquiry concludes deaths were avoidable and negligent

Announcement

5th February 2018

For You

For Business

Our news

Rosemary Millar recognised in Chambers Guide for Clinical Negligence

Celebrating 25 years with HHD

Ringing endorsement for Damian Deazley

From Cliftonville Road to Oldpark Road: 30 Years of HHD Solicitors

HHD Solicitors supporting WAVE Trauma Centre in Belfast Marathon

£400,000 compensation for asbestos related disease (mesothelioma)

£40,000 in compensation secured for our client injured at a local leisure centre

£25,000 compensation for client involved in slipping accident

£17,000 compensation for client involved in a road traffic accident

£7,000 compensation for tripping accident

BSA meets with Law Society of Northern Ireland to discuss key issues affecting the profession

£30,000 compensation for failure to properly insert a contraceptive device

£15,000 compensation for our client following slipping accident

£14,000 compensation for our client following a car accident

£185,000 compensation secured for client who suffered as a result of childhood historical institutional abuse

£45,000 in compensation secured for our client injured at the gym

£250,000 compensation for asbestos related disease (mesothelioma – secondary exposure)

£30,000 settlement for client following substandard neurological treatment

£16,000 compensation for client involved in road traffic accident

£12,500 compensation for accident at home

£2.2 million damages secured for our client who was a victim of a medical accident

£40,000 compensation secured for our client injured at work

£17,500 compensation secured following workplace accident

£32,000 compensation secured following road traffic accident

£125,000 compensation secured for client following substandard medical treatment

£45,000 compensation secured for client diagnosed with Asbestosis

ABC Trust Community Hub officially launched in North Belfast

Could workplace noise have damaged your hearing?

HHD Solicitors welcome greater workplace accident accountability

John O’Kelly welcomes BSA charity partnership with WAVE Trauma Centre

HHD Solicitors welcomes landmark Supreme Court ruling

High Court settlements for “money warrant” claims

HHD Solicitors ranked by Chambers & Partners for Clinical Negligence expertise

Case Study: £125,000 settlement for client following substandard gynaecological treatment

Case Study: £25,000 for scarring injury claim

The importance of doli incapax in defending historical allegations of sexual abuse

Case Study: £18,000 compensation for RTA personal injury claim

Facing redundancy: know your rights and your options

Divorcing or Separating? How HHD Solicitors can help

Recognising Excellence: Rosemary Millar receives high praise

Guidance for Criminal Injuries Applications

Case Study: £8,500 compensation for RTA personal injury claim

Navigating the Legal Road: claiming compensation for personal injury in road traffic accidents

Trekking the Camino for WAVE Trauma

Case Study: £15,000 compensation for untraced driver MIB Claim

High Court declares provisions of NI Troubles Legacy Act 2023 as being incompatible with ECHR and EU law

International Women’s Day 2024

Rosemary Millar and John O’Kelly appointed Partners at HHD Solicitors, Belfast

HHD Solicitors’ Case Reaches the UK Supreme Court: challenging the continuation of a patient’s detention under the Mental Health Order 1986

Stalking protection orders introduced in Northern Ireland

Chambers and Partners UK Guide 2024

Breach of Personal Data: Rights and Remedies

Court of Appeal win for mentally impaired patient wrongfully detained

5* Review Following £two Million Settlement

HHD latest case before the Court of Appeal

Received a Summons for Driving Offences?

Case Study – Asbestos personal injury claim – Mesothelioma

Case Study – Breach of Data Protection Act

WAVE Trauma Centre HIA Support

Case Study – £70,000 compensation for passenger RTA claim

House Purchase in NI with Co-Ownership Housing Association Limited – Frequently Asked Questions

Case Study – House Buying and Selling at the same time

Contact Proceedings – Frequently asked questions

Matt Higgins – Notary Public

Protection From Harassment – All You Need To Know About Civil Injunctions

Should I settle my claim arising from a car accident directly with the other driver’s Insurance Company?

Do I need a Solicitor for road traffic offences?

‘No hidden fees’ involved in a property conveyance

HHD – one of the top 40 law firms

Case Study – Application to change a child’s surname and extinguish the Father’s parental responsibility

10 top tips if you have an accident at work

What is a Power of Attorney? And other Frequently Asked Questions

Case Study – New Build Site Purchase

Accidents happen! Personal injury claims involving children

Five reasons to make or update your will

What are Grandparents’ rights to contact with their grandkids?

Case Study – First Time Buyers, House Purchase