On June 23, 2016, a UK-wide referendum was held on the country’s membership of the European Union (popularly known as Brexit). About 52% of those who cast their votes supported Great Britain’s withdrawing from the EU, while another 48% were opposed to it. The referendum was advisory, which means that its results should be approved by the British Parliament.
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The referendum resulted in Jonathan Hill stepping down as British Commissioner in the EU on June 25, 2016. Great Britain’s flag near the building of the European Commission in Brussels was lowered. The English language lost its official status in the EU. Meanwhile, the number of ethnically and racially motivated crimes committed in Great Britain increased tenfold.
The plebiscite also led to David Cameron resigning as Prime Minister and Conservative Party leader. The EU, in its turn, came up with a statement saying that the UK’s withdrawal from this organization wouldn’t be possible without the country’s working out a fully legitimate way of doing that.
Immediately after the announcement of the referendum results, the UK economy began to decline, with the British pound hitting its lowest value to the dollar since 1985. Even skeptics could not predict that sterling would drop from 1.5 to 1.32, reaching a new 31-year low against the US currency. Many experts did prognosticate that the referendum would affect the British economy but they didn’t think it would hit it that hard.
The UK’s decision to leave the EU left the British business community in a state of deep uncertainty. About 80% of CEOs expressed an opinion that the future didn’t look particularly promising for them. The adverse effect is expected mainly in the wholesale, retail, production and other sectors of the economy that rely heavily on migrant workers.
According to the OECD, Bank of England and Treasury, the UK economy may lose up to 8% of GDP due to Brexit. Some experts claim that these losses could be offset by specific measures aimed at streamlining national legislation and attracting foreign investment.
However, the plummeting pound has already made the UK less attractive for foreign direct investment (FDI) which is predicted to decrease by 22%. According to Ernst & Young experts, international financial institutions can withdraw up to $1 trillion from the UK, which accounts for nearly 10% of all of the country’s banking assets. Analysts from Goldman Sachs Bank posit that Brexit has already cost the UK economy more than $100 billion and about 2.5% of its GDP. After the UK quits the EU, the real income of every British family is projected to decrease by £1,250 annually in the next several decades.
Dramatic Events of 2019
It was planned originally that the UK would withdraw from the EU on March 29, 2019. However, the UK Parliament did not approve any variants of “divorcing” with the EU until that date. Therefore, Theresa May, British Prime Minister, asked the EU to postpone Brexit. According to the new conditions, the deadline for leaving the EU was moved forward to May 22. However, it has recently become known that the British Parliament has delayed the UK’s exit from the EU until June 30.
On January 15, 2019, UK MPs rejected Theresa May’s EU withdrawal agreement. After that, thousands of people took to the streets of London demanding that the Prime Minister and her government call off their Brexit plans. Nevertheless, the House of Commons has rejected the draft deal three times by now.
Negotiations with the EU were deadlocked due to the organization’s steep financial demands. Initially, Brussels wanted London to pay it some 60 billion Euros; however, it then increased the bill to 113 billion.
Also, the status of more than 3 million Europeans currently residing in the UK is not yet legally defined.
The third stumbling block is the border separating Northern Ireland, which is part of the UK and the Irish Republic.
As of now, none of the three obstacles has been resolved.
“Hard” or “Soft” Brexit
Recently, the European Commission has made it known that it’s OK with a no-deal Brexit (the so-called “Hard Brexit” option) and taken some steps in this regard.“Hard Brexit” means that the UK will leave the EU’s customs union and common market on April 12, 2019. Many British economists, including Liam Fox, State Secretary for International Trade, expressed an opinion that the “hard” approach would help the UK become a world trade state. However, according to the International Monetary Fund, exiting without unconditionally is the worst case scenario for the UK because it can immediately result in the British economy shrinking by 4%.
This version of Brexit will affect not only the UK but also the EU countries that export their products to Great Britain. For them, the United Kingdom will become a “third world country,” and this fact will have grave economic consequences, such as increased tariffs and quotas. The origin of goods brought into and out of Great Britain will have to be verified at the border where no restrictive measures have been administered for decades.
“Soft Brexit” scenarios, e.g. maintaining the UK’s membership in most significant treaties or using the Norwegian model (i.e., an association with the European Economic Area), can be more beneficial to both parties. Also, as soon as the UK exits the EU, the former can sign new agreements on free trade with EU countries or deal with them on the basis of the WTO regulations. Of course, trading under the WTO terms will lead to an increase in customs tariffs and additional fees for complying with the EU standards. This can be particularly burdensome for UK companies that do business in international markets.
At the same time, the cheaper pound will make the British export operations more competitive abroad and help mitigate the consequences of leaving the EU. In particular, this may have a positive effect on the UK tourism industry in the future. While it will be more expensive for tourists from the UK to go on holiday abroad, more foreigners will come to Great Britain and spend their money there.
What We Can Expect?
The UK hasn’t experienced a more profound political crisis since the end of WW2. According to the British Institute for Fiscal Studies, the economic forecast is pretty disappointing. The planned exit of Great Britain from the EU without an agreement is becoming increasingly real. If the UK leaves the EU without it, the losses are likely to be almost catastrophic.
The economic consequences of Brexit will also depend on whether new agreements with other countries can stimulate the growth of the British economy (just as the British government hopes). The EU, in its turn, is likely to support a softer version of Brexit, which implies maintaining economic ties between Great Britain and the EU. Brussels is ready to make concessions to minimize negative consequences for both parties. However, this option will depend not only on the decisions taken in Brussels but also on the current political situation in Great Britain.
Now, the British Parliament supports delaying Brexit until June, 30. According to the Financial Times, European officials are now considering an option whereby the “divorce” can be postponed to January or April 2020, thus giving the UK a chance to take part in the elections to the European Parliament.
Native mobile app development is time consuming and requires focus on all the different platforms. This is where react native development services have proven to be successful alternative. The platform can also be used for developing interactive UI.
What is React Native?
Some of the important points about this framework are as follows:
- The same principles have been applied to both Android and iOS platforms with regard to all the different elements including stateful components, virtual Dom, layout engine, and more.
Benefits of Using React Native Development Services
There are many reasons for hiring react native development services to have your native mobile apps developed by the experts.
It gets the following technical advantages over conventional native app development solutions:
- 95% of the codebase is shared between Android and iOS
- It is possible to share business logic with web applications.
- It is possible to share front-end code between Android and iOS
- High level of code reusability between the two operating systems.
- The bundle can be hosted on your own server and you can carry out OTA updates without the need to wait for app store approval.
- Developers can use the platform to build mobile apps using web technology.
- Web development skills and experience can be used to create react apps.
- Same code can be reused or modified for different platforms. This provides excellent expansion potential for businesses.
- Cross platform apps can be developed which are fully native apps for your business.
- Save time and maintenance costs with cross platform app development.
- Since it is based on JSX, developers don’t have to learn new languages.
- It is easier to test new features during app development process.
- React Native doesn’t need to write lots of lines of codes and classes to create UI. All it requires is using component names and property declaration.
- The framework allows you to develop apps on a small budget for both Android and iOS platforms.
Agility & Speed
Instagram is an excellent example of React Native app. Some of the other examples include:
- Facebook Ads
React Native apps help ensure that your app is agile and fast. They are responsive and deliver excellent user experience. Compared to other frameworks, execution and screen rendering is quicker.
Using react native development services helps you create apps that further help you gain an edge over the competition. You are able to achieve greater expansion possibilities and drive more leads and sales. Thus, there are many reasons for investing your resources in this development platform. Even if you have existing apps, you can benefit by upgrading them.
A VPN (Virtual Private Network) offers many advantages to its users. It encrypts connection to prevent hackers or your ISP from spying on your activity. A VPN also allows you to bypass geo-restrictions by connecting to servers in different countries around the world. Finally, it is the best way to circumvent government censorship and banned websites.
So, a question may arise whether VPNs are legal. For the most part, the answer is yes. But depending on your location, the laws might get a little more complicated.
Are VPNs legal?
In most countries, VPNs are legal. Nevertheless, that doesn’t mean you are guaranteed complete privacy and anonymity even in permitted jurisdictions. The US is a great example. Here, VPNs are illegal. However, there are some significant factors to consider.
- VPNs are legal, but anything that would be illegal without a VPN is still illegal. The best example is torrenting. Even if you encrypt your connection, your ISP could tell if you’re torrenting due to your bandwidth traffic patterns.
- VPNs may violate terms of service agreements. One of the biggest advantages of VPNs is the possibility to access geo-restricted content. However, some platforms, particularly Netflix, consider using a VPN a breach of their service agreement. However, you likely won’t be banned from the site; they’ll just block your connection until you turn the VPN off.
- Law Enforcement May Demand Information. If law enforcement suspects that you are up to illegal activity or your computer may contain vital evidence, they can demand information on your browsing history and other internet habits. Do note that many VPN service providers claim to keep “no logs” or records of their users’ history. However, there has been a general precedent when certain VPNs cooperated with authorities when requested. Thus, make sure your VPN provider follows a no-logs policy.
Where are VPNs illegal?
It probably comes as no surprise that many countries that enforce the strongest levels of internet censorship also have laws against using a VPN or they may be in some sort of legal grey zone. In countries like China, Russia, Iraq, Turkey, and the UAE among many others, it is illegal to use a VPN. Each country has a different policy. Some may limit a VPN’s local capabilities to connect to a remote server while others may even have legal punishments defined. Before you visit these countries, be sure you check the current legal status of VPNs there.
What about getting caught?
This also varies from country to country. For example, VPN users who torrent in the US will usually receive a warning letter from their ISP. After that, they may throttle down speeds or ban you from their service. Only in very rare cases, people do face legal action.
Currently, in Canada,a landmark case is taking place with Voltage Pictures suing over 50,000 John Does in a reverse-class action suit for copyright infringement. The outcome of this case will determine torrenting prosecution around the world and will represent the “tip of the iceberg” if the prosecution wins. However, it’s important to note that most of the people in the suit were not using VPNs. They were openly torrenting making it easy to trace their IP address and identities.
Overall, even in countries where VPNs are illegal, the chances of actually getting caught and prosecuted are extremely low. It’s simply not a priority for most countries. Furthermore, just by using a VPN, it makes it significantly more difficult to track specific individuals. The bottom line is that if you are using a VPN for legal activities, you have nothing to worry about.
Are VPNs legal for Netflix, YouTube, BBC iPlayer, etc.?
It’s easy to notice the significant difference in Netflix content available in each country. For example, in the US, you have access to more than 5,000 titles whereas in Myanmar the number is just around 700. The reason for this is that the countries have to sign copyright agreements so they have access to each other’s copyrighted material. If they don’t, then the number of streaming options you have will be extremely limited.
To work around this, you can use a VPN to access Netflix servers in the US, Europe, or anywhere you might be looking for region-specific content. Once again, it’s not illegal, but it does violate Netflix’s TOS. However, if you use a quality VPN, you won’t run into trouble. A good VPN should feature dedicated Netflix US-based servers so you can stream with ease.
The same goes for all the other streaming platforms like Hulu, Amazon Prime, etc. It’s not illegal, particularly if you have a paid, active account, but you may be violating the TOS agreement if you use a VPN.
VPNs: the best way to access the internet
VPNs are an essential tool for safe internet access. They protect you from hackers and snooping parties like your ISP or government. Not only that, they allow you to bypass geo-blocks so you can always stream your favorite content. Finally, they give you the most important thing—privacy in the online world. So if you want to browse safely and if you stick to legal activities, then using a VPN is legal.
The right research is what makes the difference on any case. One of the most common lawyers’ complaints is that the law school didn’t really prepare them for the practical side of the lawyer’s career. To be exact, they enter the job market without having been taught the essential research skills needed for when the case is on the line. Sure, doing your homework on legal briefs and moot court competitions may help a little. However, that’s a lot like comparing reading a DMV manual to actually driving a car. When it comes to the success of a real case and of your career, be sure you employee these essential skills:
1) Free legal resources can only help you so much
Particularly for new lawyers, using free online resources can be essential when you need to keep the costs down. The problem is that these free services can cost you in different ways. More often than not, the information they contain is not up to date or accurate. Not only that, they may not have the essential features such as search tools and filters to help you find the relevant information you need.
2) Work from general to specific
Before you try to find exact cases that match yours, it’s better for you to get to know the subject on broader terms. Most cases are decided on individual rulings so it’s not as if you can use many examples as precedents. Instead, get a grasp on the subject from a broad perspective. By getting an overview, it will put these different cases into context so you can better tailor your legal strategy.
3) Bypass censorship and hidden information
The internet is a treasure chest full of essential information. However, depending on where you live, certain information may be classified or censored. Skipping the overall politics of this, these websites may contain the essential knowledge you need to win your case. For this reason, you should take advantage of a VPN (Virtual Private Network). VPNs allow you to bypass restrictions through anonymizing and encrypting your connection. You can have both mobile and desktop VPN enabled.
How does it work? You connect to a third-party server, which then connects your computer to where you want to go. These have been essential tools for researchers needing access to the deep web where it’s possible to find key info such as websites where whistleblowers release information.
4) Take your time and dig deep
With deadlines and pressure to be ready by hearing dates, along with juggling other cases, it may be tempting to skip the legwork and find quick, straightforward examples. Although this might save you time in the short run, it can hurt once you get in court.
You need to “chase the rabbit down the hole” and find everything that relates to your case. You never know where exactly you’ll find that perfect gem you need. This will make all the difference between a winning and losing motion.
5) Westlaw is your friend, but don’t become too reliant on it
Westlaw is an amazing service you’ve probably already used. It’s an online legal research service available in the US and the UK. Instead of you digging through endless cases, trained legal research professionals do that for you.
While this can be helpful for new lawyers, it’s a lot like getting CliffsNotes on a novel. You’ll know the story, but if you won’t be able to quote the specific. Use Westlaw as a starting point, but once again, you need to dig into the research.
6) Keep your research and data private
Another essential reason for using a VPN is making sure that your research is kept private. These days, it’s not uncommon for ruthless lawyers to use hackers so that they can get a glimpse into their opponent’s potential arguments.
Likewise, if you have found some juicy nugget that you want to keep from prying eyes, it’s important that no one can check out your internet history. Use a mobile VPN service and make sure the company you choose follows a “no logs” policy. This means that they don’t keep a record of your browsing ensuring your information is truly private.
Doing the right research to win the case
The ability to do excellent research is the backbone of a great lawyer. So take your time and dig deep. With the strategies described above, you’ll be able to tackle any case that comes your way.
A slip and fall accident can happen to anyone, anywhere. Whether you slip because of a wet floor or because someone wasn’t paying attention, it can lead to serious injury. However, if you’ve never endured a slip and fall injury and are unsure of how to move forward, you might be confused about the entire process. A slip and fall accident in a store is often the result of negligence by the store owner. As such, they are liable for your injuries. If there are witnesses and proof, you have an excellent personal injury case on your hands.
Immediately following a slip and fall accident, here’s what to do.
Seek Medical Attention
First and foremost, seek immediate medical attention. You may need to call for an ambulance or have someone drive you to the emergency room. Even if you aren’t in too much pain now, seek the advice of a medical expert. Just because you’re not hurting now doesn’t mean you haven’t been injured. The shock of the entire incident could stop you from feeling any pain for the time being. It’s the body’s typical response to trauma.
If at all possible, speak to any witnesses who saw the accident. You’ll want to get their contact information straight away. A statement from an eyewitness can be crucial when establishing fault for the entire accident.
Before leaving the scene, either you or someone you know should take photographs of the area. Take pictures of the store conditions that caused your fall, such as a wet floor or exposed electrical cord, and then take photos of your injuries. If you have even a slight bruise right now, take a quick photograph.
After the slip and fall, speak with the manager of the store. You should ask them to prepare an incident report that documents the entire slip and fall accident. You can then use this report to establish and prove your case.
When dealing with the insurance company or a court of law, you’ll need eyewitness reports, photographic evidence, doctor’s reports, and an incident report as proof. It’s a lot, but well worth the trouble if your injuries are significant. After all, medical bills are not cheap these days.
Hire a Personal Injury Attorney
Lastly, you’ll want to hire a local personal injury attorney who can take on your case immediately. A slip and fall case seems pretty straightforward, but it’s often more complex than most people imagine. You should not handle the case yourself.
An experienced personal injury attorney can help in numerous ways, including by proving liability, ensuring you receive proper damages, and for when the store intends to fight the case despite being in the wrong.
Do not let a slip and fall accident prevent you from moving forward in life. Yes, it can take months to heal from an injury, but being financially secure during this time can make a world of difference. Find the perfect personal injury attorney in DFW today!
The trucking industry is valued at $726 billion as of Feb 2019. It moves up to 71 percent of the goods in the country. Not surprisingly, such a large industry has lots of trucking regulations to ensure all parties work by the rules.
As you work to grow your company in 2019, you also need to know that the Federal Motor Carrier Safety Administration (FMCSA) is working to regulate your activities. Basically, the FMCA is mandated to develop regulations that police the trucking industry.
In 2019, there are new regulations that you should know, and this post is going to cover them. Keep reading to learn more!
1. Hours of Service
Many truckers have pointed out that their main problem with electronic logging devices (ELDs) is the hours of service (HOS). Following direct discussions with the drivers, the FMCSA introduced two changes to the HOS in the House. These include:
- HR 5417 (REST Act) – It features three provisions that will allow a 14-hour clock pause, a three-hour rest break, and elimination of the 30-minute break requirement
- HR 6178 (HOURS Act) – This act has four requirements, including a reduction in supporting documents, short-haul alignment, an ag exemption, and eliminating the advanced notice for the split sleeper berth
The decision of the House regarding these changes is expected in the coming months.
2. ELD Mandate
On December 17, 2017, the electronic logging device (ELD) mandate went into effect. After the mandate, some commercial vehicles were still using the grandfathered Automatic On-Board Recording Devices (AOBRDs) to record their drivers’ HOS.
However, the rule was flexible, and it set December 17, 2019, as the deadline for those fleets to switch to ELDs. There is still time to make the switch, but some companies are getting worried after some early adopters of ELDs reported that their productivity decreased.
Still, you need to prepare your team for the switch before the deadline.
3. DOT Hair Testing
The US Department of Transportation (DOT) requires truck drivers to undergo drug testing, which is vital for safety-sensitive jobs. Urine testing has been the standard option for drug testing, but now DOT is advocating for hair testing.
The Department of Health and Human Services (HHS) is responsible for creating the guidelines for all drug tests, including hair testing. The implementation of the federal hair testing guidelines was due by December 2016, but the HHS has been sluggish, even after a congressional directive.
This means the DOT can’t implement hair testing until it has the guidelines.
However, the Substance Abuse and Mental Health Services Administration (SAMHSA) is the final rule-making stage on the use of oral fluid specimens in drug testing programs.
The implementation of hair testing could affect the careers of many drivers. This is because, unlike urine tests, the hair can reveal drugs that an individual has used in the past 2 to 3 months.
4. DOT Drug & Alcohol Clearinghouse
DOT drug testing has already halted the dreams of many individuals interested in trucking career. Now, two drug testing guidelines could even exacerbate things for trucking career aspirants.
By January 2020, all trucking companies and parties must be in full compliance with the new Drug and Alcohol Clearinghouse. The clearinghouse guideline is already passed, but it’s on hold because the HHS has not provided the hair testing guidelines yet.
The US Department of Transportation will only apply the new rule after the HHS provides the guidelines. The rule will require all employers to assess the clearinghouse records for alcohol and drug violations before screening employees after they have completed training in TDI truck driving schools.
5. Minimum Wage
Different states have different minimum wages for employees in the trucking industry. As such, the Truckload Carriers Association (TCA) has asked members to be aware of such differences when running operations in several states.
Many states are raising the minimum wage in 2019, and it’s vital for employers to monitor and understand the new state law requirements for minimum wage. Some of the states that have raised their wage include Arkansas ($9.25), Arizona ($11) and Alaska ($9.89).
In California, the wage depends on the number of employees you have. For example, if you have more than 25 employees, the wage is $12.00. It’s $11 if you have fewer than 25.
Understanding the minimum wage law is necessary to prevent possible wage lawsuits filed by employees. As you know, such lawsuits can be quite costly.
6. Speed Limiter
In 2016, the FMCSA and NHTSA established guidelines for speed limiters for trucks. These rules required all trucks to have speed limiting devices. However, the rules didn’t provide the top speeds for truck drivers.
Some of the suggestions included 60, 65, and 68 mph.
However, the majority of the industry parties have been against the idea of using these devices. As such, the rule received major disapproval in July 2017, but this doesn’t imply it’s dead.
7. Sleep Apnea
According to the FMCSA, sleep apnea is a common problem that affects up to 28 percent of commercial drivers.
People with sleep apnea usually experience pauses in breathing with can last up to 10 seconds or more. The pauses can occur up to 400 times per night.
As such, drivers with this condition are five times more likely to be involved in road accidents. According to the National Safety Council, the cumulative cost of collision related to sleep apnea amounts to about $15.9 billion every year.
Recently, the National Transportation Safety Board recommended rigorous sleep apnea testing. However, this suggestion received significant pushback.
In 2017, FMCSA and the Federal Railroad Administration (FRA) opted not to proceed with the recommended testing and treatment of sleep apnea in truck drivers.
However, this doesn’t mean the regulation is dead. It’s something you should closely monitor this year.
Trucking Regulations – Final Thoughts
If you’re running a trucking business, keeping abreast of the latest regulations in the industry is essential to stay compliant. Failure to meet the compliance rules can lead to hefty fines that can really ruin your operations and growth or even lead to you losing your trucking authority.
Keep in mind that there are national laws and state laws. So, if you have operations in different states, it’s your responsibility to learn as much possible about those laws.
In 2019, the US DOT plans to increase fines on trucking-related driving infractions. This means you’ll pay more for violations, such as failure to obey Subpoena, out of service orders, and record-keeping contraventions.
If you’re struggling to understand the trucking regulations and laws, be sure to search for a lawyer for assistance and consultations.
If you are planning on applying for British citizenship and you are currently an EU citizen, you will need to determine whether you have the right to a UK residence card, an EEA family permit or a UK spouse visa. Knowing what your options are will help you to determine what you should do next.
Under the EU freedom of movement regulations, most EU/EFTA citizens can, at this time, live and work in the UK and are allowed to have their relatives or partners live with them too. This could change in the coming months because of the result of the 2016 Brexit vote and the triggering of Article 50.
The UK immigration policy means that people who are EU/EFTA citizens moving to the UK do not need a permit. There are some exceptions to this, such as restrictions for Croatian Nationals, but for the most part EU citizens qualify for permanent residence status if they remain in the UK for more than five years and they do not need to apply for a UK residence card to get this.
There are different conditions for non-EU/EFTA nationals that plan on coming to the UK, and the rules for individual countries can differ dramatically so it is best to check the rules for the country you are from.
Our guide to UK Immigration policy for EFTA/EU Citizens and their family members covers:
- The UK Immigration policy for EFTA/EU Citizens
- What Brexit may mean for EU Citizens in the UK
- The right for EU/EFTA Citizens to work in the UK
- Special rules for Croatians moving to the United Kingdom
- EU/EFTA Citizens who are Students in the UK
- Applying for the UK Residence Card
- Spouse visas and family permits
- Applying for British Citizenship as a citizen of the EU
The UK immigration policy is a complex matter. The UK is an EU member state, at this moment, and this means that citizens of the other member states and citizens of countries that are a part of the European Free Trade Association can travel to the UK without needing a visa, and are permitted to live and work in the UK. The Freedom of Movement principle is an important part of the EU Treaty. As long as a person does not have any outstanding criminal convictions, they are not subject to any restrictions on their movement.
The UK opted out of the Schengen Agreement, and this means that it has its own border controls. EU/EFTA citizens need to present a passport when they enter the country. There are no requirements for people from the EU to register their stay with the immigration authorities and there are no requirements for people to have a UK residence card. Non-EU/EFTA residents are, however, subject to different rules depending on which part of the world they are traveling from.
The freedom of movement for people from EU/EFTA countries and the ability for those people to work in the UK and enjoy visa-free travel as well as the right to study or to settle in the UK is something that will change following Brexit and a reason many are hiring British citizenship lawyers.
Info For EU, EEA & Swiss Citizens
If you’re a Swiss Citizen, EU or EEA citizen, then you and your family can apply to live in the UK after June 2021. You do this via the EU Settlement Scheme. If your application is approved, then you’ll designated one of two status, with one being pre-settled and the other being settled.
The European Economic Area includes countries within the EU. It also includes Norway, Iceland and Liechtenstein. Some people might not have to apply in order to remain in the UK. This includes those who have indefinite leave to remain or Irish citizens.
When Can You Apply
The scheme is currently open. If you meet the criteria, feel free to apply. However, the deadline to apply is June 2021. The status you might get depends on the time you apply. Be aware that you will need to be living in the United Kingdom if the UK eventually leaves the EU. The deadline is 2020, so apply before then, otherwise you might not have the chance to do it again.
Most consumers are oblivious of the laws that are supposed to protect them when dealing with debts, credit cards, and most importantly, credit score. Many only centers their focus on using credit cards in a better way and forgetting about their legal rights. For instance, consumers in the US are protected by the following legal acts and organizations:
- Consumer Credit Protection Act (CCPA) (1968)
- Fair Credit Reporting Act (FCRA)
- Fair and Accurate Credit Transactions Act (FACTA) (2003)
- Equal Credit Opportunity Act (ECOA)
- Truth In Lending Act (TILA)
- Credit Repair Organizations Act (CROA)
These are just a few of the laws that you need to know as a consumer. These insights will not only help to raise your credit score in the best environment possible but will also sort out any discrepancies in the fairest way possible. Just to make sure that every consumer understands them well, let us dive into each one of them in detail.
Consumer Credit Protection Act
This is one of the oldest acts in the US. Its goal is to protect all the consumers against any credit dealings that are not legal or fair. Thus, it emphasizes honesty and fairness from the organizations and shareholders who deal with credit ratings. This includes the lenders, who should submit the report about credit accounts, and credit reference bureaus, who are supposed to assign the three-digit credit score number. As a consumer, you have a right to be protected from unfairness by the law.
Fair Credit Reporting Act
Today, many people are worried about how their information will be used by the agencies collecting them. We all know that credit history and related data are sensitive and confidential. Luckily, the FCRA protects consumers against this. Just like other acts, it obliges the major credit bureaus to offer a report to the consumers so that they can review whether it is accurate or not. According to the Boostcredit101 website, this is one of the most important legal rights that consumers have. Thus, they need to understand it to make a claim.
Fair and Accurate Credit Transactions Act
This is a consumer credit law that seeks ensures fairness when seeking any credit like a mortgage. Since most people will need such services at one time or another, it is crucial to understand everything about it. According to the act, it is a legal right for the citizens to get a report about their credit once a year. This cuts across all of the credit bureaus in the US. Notably, the act also puts forward a better framework to deal with fraud that affects consumers like identity theft. And the best part is that this is the responsibility of the lenders according to the act.
Equal Credit Opportunity Act
If you ever meet a lender who discriminates you because of issues that are not related to finances, then this is the legal act that will protect you. Lenders are only obliged to deny or reduce credit amount based on issues like credit history, financial income, and other finance-related matters. According to this act, it is illegal to go further than this.
Truth In Lending Act
A truth in lending statement is usually offered when you apply for major credit like a mortgage. It is part of the contract and shows the minimum information that you are entitled to when borrowing a loan. Basically, these are like the terms and conditions of the loan, which states the amount you will get and how much you will pay per month. Legally, this binds both the lender and the person applying for a loan. They cannot change the figures unless both enter into another agreement that must be signed again.
Credit Repair Organizations Act
When you go out to seek the services of credit repair agencies, there are legal procedures that they must follow. The first one is that they can only give the correct information when negotiating with the lenders. Anything else is not supposed to be said. It also requires the agencies to enter into a written contract with you before they start the process.
As a closing remark, it is important to check all legal procedures that protect you as a consumer when dealing with credit matters. It is the only way to guarantee a high score that is accurate. Further, you will always get the financial help that you deserve.
Are you one of those law students who is not good at writing and end up ruining the whole law thesis? Are you looking for someone who can guide you with your thesis and can cross check your work for errors and formatting issues? Then you are at the right place because there are many best thesis editors in the market. Most of them believe in providing quality service on a timely basis, so you do not miss any deadline.
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Were you in an accident? Have you suffered multiple injuries? Are you missing work and losing money? It is understandable that all you want right now is to feel better and get back on your feet, but what you need right now is an excellent personal injury lawyer. It is not difficult to find one.
Personal injury law in New York State can be more than a little complicated for the novice person. Getting the compensation you deserve from the liable party and filing the claim with your insurance provider can be challenging. It is a tedious process unless you have a local attorney firm in Buffalo, New York, helping you with the paperwork.
Before proceeding any further, you should find an exclusive personal injury lawyer. Here’s what you need to do to find one –
Look for an attorney who takes cases to trial when necessary
Many attorneys believe in settling matters outside the court only. If you do that, you might lose out on considerable money. You might not even receive the sum your physical injuries, and emotional trauma deserves. Check with the firm if they have a history of taking cases to trial instead of settling for a pittance.
Find lawyers with a history of successful personal injury cases
You should only work with winners. In court, a confident attorney can determine which direction your case will proceed. It is imperative to know that your lawyers will get the best possible settlement or verdict for you. Get top rated Buffalo personal injury attorneys at the O’Brien and Ford Law Firm, with a proven history of winning personal injury lawsuits.
Check the attorney’s credentials and memberships
Every registered attorney should be a member of the national and state bar associations. Furthermore, they should be parts of other prestigious groups. You might find advertisements of accident lawyers and personal injury attorneys on billboards near the highway, but there is no guarantee that the person behind the advert actually has the credentials he or she claims to have. Therefore, dig deep and visit online forums to confirm the qualifications, certifications, and memberships of the attorney you plan to hire.
Only select attorneys, who specialize in personal injury law
Law has several categories. A good lawyer does not have expertise in every field. When you have a potential personal injury lawsuit in hand, you should only look at attorneys with extensive experience in the field of personal injury. Since a person is least likely to see a gynecologist with a headache, it makes little sense to visit a divorce lawyer with a personal injury case. Some attorneys also have a list of clientele you can check online or speak to, to learn more about his or her claimed services.
While these tips should help you find an excellent personal injury attorney, you should not neglect their online reviews. The client reviews can help you find out more than you can from personal interviews with each legal professional.