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We aim to provide practical guidance on useful areas of busness law.  

By brocs1, Jun 23 2020 12:30PM

With the economic uncertainty surrounding COVID-19, cash flow is more important than ever. You might be looking for cash to help keep your business afloat, but your customers will likely want more time to pay, no-one likes to feel like they are constantly hounding another for something and that is even more so the case when it comes to chasing late payments. There are steps you can take to help you recover outstanding invoices.

• Invoice – You should invoice as soon as possible, the quicker you send the invoice the quicker it will be paid. Also make it easy to get paid, ensure it is a simple and straightforward, accepting online payments provides convenience for the customer to pay at their convenience especially if you are also operating restricted hours.

• Contacting debtors during lockdown – It may be that the debtor is in lockdown and therefore harder to get hold of. You should check their website and emails for any reference to this, many companies have notified customers of temporary changes on how to reach them. Just because they are not working at their usual place of work does not mean they are not working at all and are likely to have access to their emails. Therefore, you should remind them about the outstanding invoice and ask them if there are any reasons why they have not paid, you should try to get as much information as possible in order to discuss possible solutions.

• Written confirmation of the claim – When a customer cannot pay their invoice in full but still wants to make payment, they may propose a payment arrangement. This means they will pay the outstanding invoice in parts over a set amount of time. You are under no obligation to accept a payment plan however if you do you should ask the debtor to confirm in writing the payment proposal, this provides you with their acknowledgment that they owe the amount you are claiming but also details the instalments, any interest and consequences of non-payment.

• Review the reasons why the invoice has not been paid – Is the non-payment or delayed payment due to the knock-on effect of Covid-19 or are they fully operational? If it is due the current pandemic that they are no longer financially able to fulfil their agreement you can ask for proof such as evidence requesting government support or a statement from a third party such as an accountant. If the debtor is unable to substantiate their claim, then they must pay the invoice

• If the debtor is unable to make the payment agreed, consider whether they are able to offer any securities. here are various forms of securities that can be agreed such as a retention of title. If goods have been delivered and you are the legal owner of them, you can retrieve them if the invoice has not been paid and they can remain on your property until full payment is received.

Summerfield Browne have offices in Leicester, Birmingham, London, Oxford, Cambridge and Market Harborough.

Contact us for further details on 0800 567 7595 or email us on [email protected]

By brocs1, Apr 27 2020 08:57AM

Have had your holiday cancelled and are wondering if you are entitled to a refund, or are you thinking about cancelling an upcoming trip?

In light of the current Covid-19 coronaviruspandemic there is now widespread disruption to travel and holidays around the world and the situation is constantly changing,

The Foreign and Commonwealth Office (FCO) issues advice to UK nationals on where it's safe to travel abroad. Your right to cancel and get a refund will depend on the latest UK Government and travel advice.

Most insurers will cover you for cancellation if a Foreign and Commonwealth Office (FCO) advisory is put in place for your destination after you've taken out the policy, and it's still in place when you're due to travel. To be sure if your insurance provides you with cover its best to check your individual policy and with the insurer.

Some companies will now let you cancel or rebook and many airlines are now only offering vouchers online. As the Foreign Office are now warning against non-essential travel "indefinitely" it's likely you'll need to wait until close to your travel date before airlines, hotels and travel insurers agree to refund you.

How can I claim a refund?

If you have a holiday booked in the next couple of weeks, it is likely to have already been cancelled. The first step is to contact the travel firm airline or hotel directly, even if your original booking was on a non-refundable basis, as some have started to introduce special cancellation or rebooking policies to help those affected by coronavirus.

If your holiday is imminent but has not been cancelled you can contact your travel insurance provider, but only if you booked the holiday and purchased the insurance before the Foreign Office issued a warning against non-essential travel

I booked my holiday to attend the Olympics, can I get a refund?

A number of major events around the world have now been cancelled or postponed due to the coronavirus outbreak. If you booked the trip as a package, you may be entitled to a refund under the Package Travel regulations. If a tour operator makes a 'significant change' to the original arrangements, you aren't obliged to accept the alternative and are entitled to a full refund of the package price.

If you have an issue and require legal advice, please contact our offices on 0800 567 7595 or [email protected]

Summerfield Browne have offices in Leicester, Birmingham, London, Oxford, Cambridge and Market Harborough and assist with cases all over the UK.

By brocs1, Apr 1 2020 10:25AM

We are and will remain open for business and are committed to providing our clients with the best advice in this challenging time we find ourselves in.

Our staff are working remotely in line with Government guidelines and can be contacted as normal by telephone and email.

We have staff ready to deal with all issues arising from the outbreak of Covid-19/ Coronavirus and the impact it is having on you individually or to your business.


If you have an issue and require legal advice, please contact our offices on 0800 567 7595 or [email protected]

Summerfield Browne have offices in Leicester, Birmingham, London, Oxford, Cambridge and Market Harborough and assist with cases all over the UK.

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