Colors: Purple Color

Research has revealed that just under half (41%) of working women in the UK have money worries, a figure that dips significantly down to less than a third (32%) for men.

Statistically, the figure is also higher in younger women with 55 per cent of women aged 16-24 reporting money worries, and 53 per cent of those aged 25-34.

The recently reported research was carried out by Salary Finance, an employee financial wellbeing platform, and also revealed the shocking impact of these figures on women’s mental health.

The stats show that women with money worries are much more likely than their male counterparts with the same concerns to be suffering sleepless nights (51% to 43%), anxiety and panic attacks (62% versus 57%) and are more likely to have depression and suicidal thoughts (71% versus 65%).

These figures mean that when compared to those with no money worries women with financial concerns are over five times more likely to have anxiety and nearly seven times more likely to have depression. For men with financial worries, it is far less – they are 1.3 times more likely to say they’re suffering from anxiety and/or depression due to financial problems.

It’s also more likely that you will run out of money before pay day if you’re a woman, according to these statistics. Over a third (34%) of women are running out of money before pay day each month, compared to just under a quarter (24%) of men. Younger women were again much more highly impacted, being much more likely to run out of money before pay day.  

Of course, the impact of maternity leave is keenly felt by the female workforce. Of those surveyed that took maternity or paternity leave, a massive 73 per cent of women said they took on additional debt as a result, compared to just 27 per cent of men. Yet resulting childcare costs did not cause significantly higher levels of stress for women.

Asesh Sarkar, CEO and co-founder of Salary Finance, commented: “In 2020 it’s disheartening to see such a discrepancy between financial wellbeing in men and women. Our extensive research has shown the crippling impact that money worries can have on the UK workforce, and see these figures that show women suffer much more.”

Although there were many differences the survey did reveal that there are no notable differences in the approach to savings between women and men, suggesting attitudes and behaviour play a far bigger role in saving habits than gender.

Another similarity between men and women was an apparent unwillingness to discuss their finances. This highlights a general attitude rather than a gender-specific issue.

Asesh added: “Whilst the figures show that women are suffering more as a result of poor financial wellbeing, it’s important to remember that financial stress and concerns affects a wide range of people, regardless of gender, age or salary. 

“There is a need to tackle the stigma attached to discussing financial concerns and this is where financial solutions in the workplace can help. It is therefore important for employers to take an interest in the financial health of their employees. Our research has shown that around 77 per cent of workers feel they can trust their employer when it comes to sharing personal information. This really highlights the role that employers can play when it comes to tackling the issue of poor financial wellbeing amongst the UK workforce.”

FU Media like to talk.  If you’ve met ever met us, you'll know that’s true.  Since 1999, we’ve championed the idea of keeping in touch and staying connected - and it’s more critical now than ever before, be that for the preservation of your business, sanity or both!
 
What we do know is that talking to your customers – or even appealing to new ones – and keeping them engaged; and promoting what you can promote is what will give you the very best chance of surviving this difficult period and emerging in fighting-shape on the other side.  Those that quietly hibernate will be slower to respond, giving you advantage when the good times return, which is why FU Media has announced the launch of a new service: ‘30-Minute Mentoring’. 

Kevin Urquhart said: “As a business that’s been around since 1999, we’ve seen a wealth of economic ups and downs and we’ve talked to a lot of people. 

These two factors give us valuable experience and trusted connections.  What we have learned at FU Media, over 21 years, is that what is happening to us all right now isn’t forever. 

“Things will get better, if you’re prepared to, potentially, let go of what once was – and that might involve a period of mourning – and, instead, allow your thinking to evolve, adapt and get creative.  Think of solutions, not problems – and don’t be afraid to ask for help”.

Jonathan Fraser added: “At FU Media, it’s always been in our DNA to listen, to support, and to mentor.  We love brainstorming and finding a positive from a negative.  We adore nothing more than working with incredible people and businesses that want to be bigger, better, brighter and bolder”.

In these uncertain times, the one thing that IS certain is that when it’s quieter in the marketplace, those who shout get heard more clearly.  Silence, in this instance, is not golden, which is why business are being invited to try the 30-Minute Mentoring session. 

In this one-to-one Zoom session, you are openly invited to talk about you and your business needs with the FU founders, Kevin Urquhart and Jonathan Fraser.  

Areas of advice might include:

Social Media and Website Updates: Critical in this time and keeping customers updated can build even more loyalty and change buying habits if done properly.How are you doing it and how can it be better?
PR and Press Releases: Perhaps you’re bucking the trend or have an innovative new idea that needs to be heard? Let us help you find your best angle and get you ready for your close up. Or, perhaps you need to know that you have procedures in place with Crisis
Comms?Good or bad, we’ve got your back. In March alone, FU Media helped keep our clients in front of over 10 million people.
Marketing & Advertising: Let’s help you refocus and ensure you’re talking to the right people in the right way via the right channels, so you’re not wasting your precious budget.
Design: A picture says a thousand words, so let’s consider how you’re using design to achieve maximum stand-out.
Mentoring: Sometimes you simply need a fresh pair of experienced eyes and ears on an important project. Someone who’s experienced and not afraid to question – or elevate - your thinking.
Access to Professional Services: FU Media has a wealth of trusted advisors from the professional industries on speed-dial. Whether it’s plain-talking HR advice you need; Accountancy, Pensions or Wellbeing, talk to us as we know where to direct you.

To book your free, ‘30-Minute Mentoring’ ring:  077137 40272 (Kevin Urquhart)/ 0772 5809654 (Jonathan Fraser), or email directly on This email address is being protected from spambots. You need JavaScript enabled to view it. / This email address is being protected from spambots. You need JavaScript enabled to view it..

The Royal Mail has been accused of “putting profit ahead of safety” by workers who claim that the company has not provided them with sufficient protection from the coronavirus pandemic.

Postal workers throughout the UK said that there is a shortage masks, gloves and hand sanitisers, adding that social distancing whilst working is “almost impossible”.

Footage has been shown of employees working in close proximity to each other in a sorting office - action which goes against the government’s ‘two-metre distance’ guidelines, which is set out to be in practise at all times during the worldwide crisis.

A supervisor, based at one particular sorting office, said that he felt that workers were put in an unenviable position of “choosing between the job and their health”.

He said: “I am scared that my job will be jeopardised if I refuse to do a task because it will put my life in danger”.

Another postal worker said: “The buildings that we work in are designed for people to be spaced out.

“We are under each other’s skin It’s just completely impossible”.

This came off the back of mounting concerns that crowded working conditions are one of the major contributions of a rising number of postal workers who are forced to take time of sick, or self-isolating.

Since that start of the lockdown, many Royal Mail workers have at sorting offices across the country have walked out in protest over a lack of PPE (Personal Protection Equipment) and concerns about the lack of social distancing being put in place.

A company spokesperson said: “In assessing the risks to our workers and making necessary operational changes to protect our workers, we take professional medical and health and safety advice on a daily basis.

“We have already made a series of adjustments to our parcel-handling procedures to protect our colleagues and our customers”.

 

Providing direct grants to people who have a professional background and their dependents, the Elizabeth Finn Fund has been given direct grants and support for over a century to people living in financial difficulties who have a professional background and meet its grant-giving criteria.

They give grants to people who hold, or formally held, occupations requiring a particular level responsibility and education, or whose partner has done so.

Awards can be granted to people from over 120 different professions whose work history includes employment in a role which requires a degree; NVQ level 4 or above – or equal.

The grants given help make a difference to an individual, or family’s life and improve their living conditions.

Over a million people contacted the charity for help – despite the government’s Coronavirus Retention Scheme

One person who was helped by the Elizabeth Finn Fund is Douglas, who said: “I was very emotional because I didn’t expect that kind of help.

“The grant allowed us to get back on our feet, pay off the critical priority bills and allowed time to sort things out so we could have a peaceful existence”.

Turn2us is giving £500 grants to people who are in financial jeopardy because of coronavirus.

Applicants for the Turn2us Coronavirus Fund will have to meet eligibility criteria to make sure that the money reaches those who are most genuinely in need.

As part of the application process for an Elizabeth Finn Fund, a range of documents – like bank statements – are required as evidence of occupation and situation.

 

Ms Manjit Rai, member of Coventry Mercia Lions Club & Managing Director of a successful business - Capital Care Homes – made history for Coventry Mercia Lions by offering to the National Health Service UK a 30 bed unit in her Macclesfield Care Home as her help to British Government for Corona Virus crisis free of charge.

Ms Rai is a very committed member of Coventry Mercia Lions Club and was introduced to the club by her family friend Lion Terlochan Singh who was President of the club in 2018. She was approached by other Asian Lion Clubs but Lion Terlochan Singh persuaded her to consider Coventry Mercia Lions Club.

Manjit Rai is a self made woman and despite her success in her business, she is so humble and full of respect. She has brought a new enthusiasm, energy, knowledge, her desire to help anyone who is in need provided she can help - qualities of a true Lion in a huge fraternity of Lions Clubs International.

The whole world is facing a global emergency because of COVID19 and in UK, this pandemic is beginning to get serious, Mr Boris Johnson, PM is one of the victims of this deadly virus and we are all praying for his speedy recovery. Lion Saudagar Singh Nagra, the clubs most senior member, is currently in India, busy feeding the poor and vulnerable during the Lockdown in Punjab and rest of India.

He has pledged to feed 200 people who are stranded in his area for one month at his own cost. Lion Ravinder Sandu, 2nd Vice District Governor is helping the students in Coventry University who are trapped in their hostels and run out of food. Lion Ravinder Sandhu is organising basic necessities for the students during the time of national lockdown. Lion Anita Bedi is also offering advice to people and making sure they have supply of milk and other dairy products through her contacts.

Coventry Mercia Lions Club has just finished a tour of India with Miss England and distributed funds to various charities in India, the tour was sponsored by Coventry Mercia Lions Club and was a huge success.

“Lion Manjit Rai had just made Coventry Mercia Lion Club proud,” explained Davinder Prasad, “she has vacated one of her high quality care room with 30 beds capacity and has offered this facility to National Health Service to be used in their fight against COVID19.”

A millionaire fashion mogul is looking to plant over 1,000 trees to block views of a tennis court and skate park that he planning to take down.

Sean Thomas, founder of fashion chain, White Stuff, has made a new planning application for the change at his home in South Ham in Devon, in the UK after a previous application was rejected by the court.

Previously an enforcement team was ordered to start legal action to return to it former condition.

Thomas built the court, skate park, plus a two storey garage, at his home without planning permission.

Planning officers said that the additions were an unwelcoming and incongruous intrusion into an undeveloped countryside location.

His latest application includes planting over 1,000 new native trees, as well as a bird box, bat roost and the planting of wild flowers throughout the estate.

Thomas said that he will work with South Hams District Council to work on any concerns raised”.

 

Chancellor of the Exchequer, Rishi Sunak has announced a £750m package to help to keep struggling charities afloat during the Covid-19 pandemic.

The move follows concerns that some charities in the UK are facing major difficulties – including, in many cases collapse – with income in the sector vastly shrinking as the frontline shops being enforced to close during the lockdown.

The move by Sunak follows growing concerns that some charities are facing collapse, with income shrinking considerably.

Larger charities, such as Age UK and Oxfam, have been forced to furlough two-thirds of their staff.

The measures involve cash grants which will go direct to charities that are providing key services during the crisis.

As part of the scheme, £360m will be allocated to those charities with another £370m will go to small local charities; including those who are delivering food and essential medicines whilst also providing financial advice.

Sunak said that the government could not match every pound of spending that the 170,000 charities in the UK would be likely to receive this year.

He did, however, say: “The government want to help the charities that were on the ‘frontline’ of the fight against coronavirus.

“To shut up shot at this moment would contravene their very purpose”.

 

 

More than 100 organisations from around the world are calling for debt payments of developing countries to be dropped this year.

The countries include the world’s poorest economies who are struggling with the impact of coronavirus.

Major charities including Oxfam and ActionAid International are asking for the debt relief, which would free-up more than $25bn (£20bn) this year.

They have written to the world leaders and major central banks calling for a range of debt relief measures.

The call is being spearheaded by UK-based charity Jubilee Debt Campaign and came just before a due meeting of the G20 group of the world’s largest and fasted-growing economies.

Sarah-Jane Clifton, director of the Jubilee Debt Campaign said: “Developing countries are being hit by an unprecedented economic shock, and at the same time facing an urgent health emergency.

“The suspension of debt payments called for by the IMF (International Monetary Fund) and World Bank saves money now, but kicks the van down the road and avoids actually dealing with the problem of spiralling debt”.

The campaigners want debt payments to be cancelled with immediate effect, including payments to private creditors.

“This is the fasted way to keep money in countries in responding to coronavirus and to ensure that public money is not wasted bailing out the profits of rich and privileged speculators”, Ms Clifton added.

During the Covid-19 pandemic, campaigners want debt relief to be applied for all countries in need and urgently for the poorest countries.

Looking long-term, they want a process to reduce debt to a sustainable level once the crisis is over.

This involves asking the IMF to introduce clear guidelines on when a debt is unsustainable and follow its policy only to lend to countries with unsustainable debts if there is a default or debt restructuring plan in place.

 

Pensioners in the UK will soon be receiving an inflation-busting rise in excess of £350-per-week any time soon.

 

It means that for people who become entitled to a full New State Pension, once they have reached the state pension age, then they will get weekly payments of £160.60, which will rise to a sum of £1175.20.

 

For people who reached pensionable age before then and are receiving the full Basic State Pension will get £1304.25 – which is up from £129.20.

 

There are also some pensioners who will also receive a state-earning related pension.

 

Steven Campbell, a representative for retirement specialist Aegon said: “If so many people, including people of pensionable age, facing so many financial difficulties in covering basic expenses any extra is a help.

 

“The inflation-busting increase will offer those of a pensionable age some much-needed good news”.

 

The increase will most likely ignite controversy over the costs of the triple policy – which guarantees that the basic state pension will rise by a minimum of either 2.5% - the rate of inflation – or average earnings growth.

 

Both Pensions Regulator, Financial Conduct Authority and Money and Pensions Service are urging savers to visit the Pensions Authority Service website for free guidance before making any relevant decisions.

 

Savers are also urged to visit the ScamSmart website to learn of the best ways to to be protected against any fraudulence activities.

Beauty salons and, tattoo parlours and nurseries have answered the plea to provide personal protection equipment (PPE) to care workers.

 

Sandwell Metropolitan Borough Council, in the West Midlands, issued an appeal as it struggled to source face masks, single-use gloves and aprons for staff.

 

Supplies donated in response will be used by workers who care for vulnerable residents in their homes.

 

Beautician, Samantha Manton, who donated aprons said: “It was the least I could do for community healthcare workers”.

Marks & Spencer is the latest store chain to reward their staff with an extra 15% pay rise. It follows Aldi, Tesco and Sainsbury’s who have already promised their respective staff members an extra 10% bonus.

 

Asda is preparing to give its staff an extra week’s pay in June, which works out as a 25% bonus for the month.

 

Bosses say that they are rewarding “dedicated, committed and outstanding work”.

Nigerian billionaire, Alhagi Dangote GCON (Order of the Niger), is preparing to make a bid for England’s Premier League giants, Arsenal.

 

Marked as the richest man in the West African country, and the 96th wealthiest man in the world,

 

Alhagi, 62, the, Founder and Chair of the industrial conglomerate, the Dangote Group, is putting plans together to stake his case for a takeover bid for the north London club as soon as he has completed his petroleum refinery – the largest in Africa - set-up in Lagos.

 

The refinery is due for completion in 2021.

 

Valued at $14.1billion by Bloomberg’s Billionaire’s Index, he (Alhagi) is a well-known massive Arsenal fan and has made several bids to take-over the club in recent years, which, each time, has been rebuffed by the ‘Gooner’s’ (Arsenal’s nickname) owner – and fellow-billionaire – American business man Stan Kroenke.

 

Dangote said: “As a supporter, Arsenal is a team that I am interested in buying.

 

“I’m going to look at the idea of making a bid once this contract (petroleum refinery) is completed.

 

“I do, though, have several projects that I have to complete. So, I am not looking to buy Arsenal right now.

 

“I’m looking to take them (Arsenal) to the next level, so, I’ll be looking to make a bid next year”.

People selling buy-to-let properties or other property owners could clock up financial penalties due to ‘seismic’ changes to the capital gains tax (CGT) payment rules, says tax specialist Imogen Lea, from Clarke Willmott LLP,

 

From April 6, anyone who disposes of a residential property giving rise to a capital gain on which CGT is payable, will be required to make a digital return to HMRC and to pay an estimate of the CGT due within 30 days from the sale completing.

 

People will also no longer be able to benefit from a possibly substantial sum of money remaining in their hands for up to 22 months after a residential property disposal.

 

“This is a very big change and could easily catch people out,” said Imogen, a consultant in Clarke Willmott’s Taunton private capital team. “Interest on the unpaid tax and other financial penalties will be due if the rules are not followed.

 

“The risk of such a tight turnaround is people being unaware of the changes and failing to comply. They need to be aware of the vastly reduced time limits and to be ready to make the return and estimate the CGT due.

 

“CGT computations are not always straightforward which could mean that if people are not prepared, they might not be able to collate the information necessary to make the CGT calculation in time.”

 

The changes will potentially affect owners of holiday homes, buy-to-let properties, main residences which have been let out at some point, owners of homes with grounds in excess of half a hectare, and owners of houses which have been partly used for business purposes.

 

Imogen says the changes will not generally apply on the sale of a person’s main residence, but will be relevant on the sale of second homes, and where the main residence exemption does not apply for any reason.

 

“Gains are not always straightforward to calculate – if an owner has made improvements to the property the cost of these will be deductible from the capital gain, but if there have been numerous improvements over many years it may be challenging for the client to find all the supporting documentation.”

 

Imogen urges property owners to make an early start to compiling the required information and to start thinking about the CGT position as soon as the property goes on the market.

 

CGT is calculated by treating the gain as the highest amount of the owner’s income during the tax year in question and therefore clients will need to estimate their income during the tax year of disposal as this will impact on the CGT rate applicable to the gain.

 

Personal representatives and trustees as well as individuals will be required to comply with the new rules. Meanwhile, gifts of properties also give rise to a disposal for CGT purposes triggering the new requirements.

 

John Bunker, chair of Chartered Institute of Taxation’s private client UK committee, has branded the new reduced deadline as “a seismic change”.

 

Clarke Willmott LLP is a national law firm with seven offices across the country in Birmingham, Bristol, Cardiff, London, Manchester, Southampton and Taunton. 

 

Mortgage Advice Bureau in Birmingham, has launched a dedicated Mortgage Information Support Service to help homeowners who are worried about their finances as a result of the Coronavirus (COVID-19) outbreak.

The free support service, which is available to homeowners in Birmingham, has been set up to answer any queries or worries local people may have about paying their mortgage, and to guide them back to financial security.

To speak to a qualified mortgage adviser via the support service, homeowners should call: 0121 431 2468.  

Mortgage Advice Bureau has also created an online resource of FAQs on the topic. This will be updated daily as more queries are raised.

In an ever-changing economic climate, the UK government is responding daily with new measures to minimise the impact of the Coronavirus, not only on our health, but our finances too. This includes access to a mortgage payment holiday of up-to three months for those worst hit financially by the virus.

However, this may not be homeowners’ only worry regarding monthly finances and with the new Mortgage Information Support Service, Mortgage Advice Bureau is answering people’s most common questions around managing their household finances to help them cope.

Raj Bedi, Business Principal, explains further: “We are living in unprecedented times and some homeowners are rightly worried about their finances. With a mortgage typically being a homeowner’s largest outgoing, monthly mortgage payments are naturally going to be homeowners’ biggest concern. We’ve set up the Mortgage Information Support Service to help local people through this challenging period and to offer advice to those who need it most.

“The helpline is managed by our fully qualified mortgage advisers who can provide guidance about what to do if repaying a mortgage is a worry during the Coronavirus outbreak. As the situation changes in the UK and across the globe, it’s difficult for people to foresee how their monthly income will be affected, particularly for homeowners on short-term, temporary or zero-hours contracts.  

“The government is doing its best to help people during these difficult times and we certainly take financial well-being very seriously, so we are also doing our upmost to support people. We hope that the helpline will allow homeowners to talk openly and get them back on track with their finances.”

 

Research has revealed that just under half (41%) of working women in the UK have money worries, a figure that dips significantly down to less than a third (32%) for men.

 

Statistically, the figure is also higher in younger women with 55 per cent of women aged 16-24 reporting money worries, and 53 per cent of those aged 25-34.

 

The recently reported research was carried out by Salary Finance, an employee financial wellbeing platform, and also revealed the shocking impact of these figures on women’s mental health.

 

The stats show that women with money worries are much more likely than their male counterparts with the same concerns to be suffering sleepless nights (51% to 43%), anxiety and panic attacks (62% versus 57%) and are more likely to have depression and suicidal thoughts (71% versus 65%).

 

These figures mean that when compared to those with no money worries women with financial concerns are over five times more likely to have anxiety and nearly seven times more likely to have depression. For men with financial worries, it is far less – they are 1.3 times more likely to say they’re suffering from anxiety and/or depression due to financial problems.

 

It’s also more likely that you will run out of money before pay day if you’re a woman, according to these statistics. Over a third (34%) of women are running out of money before pay day each month, compared to just under a quarter (24%) of men. Younger women were again much more highly impacted, being much more likely to run out of money before pay day.  

 

Of course, the impact of maternity leave is keenly felt by the female workforce. Of those surveyed that took maternity or paternity leave, a massive 73 per cent of women said they took on additional debt as a result, compared to just 27 per cent of men. Yet resulting childcare costs did not cause significantly higher levels of stress for women.

 

Asesh Sarkar, CEO and co-founder of Salary Finance, commented: “In 2020 it’s disheartening to see such a discrepancy between financial wellbeing in men and women. Our extensive research has shown the crippling impact that money worries can have on the UK workforce, and see these figures that show women suffer much more.”

 

Although there were many differences the survey did reveal that there are no notable differences in the approach to savings between women and men, suggesting attitudes and behaviour play a far bigger role in saving habits than gender.

 

Another similarity between men and women was an apparent unwillingness to discuss their finances. This highlights a general attitude rather than a gender-specific issue.

 

Asesh added: “Whilst the figures show that women are suffering more as a result of poor financial wellbeing, it’s important to remember that financial stress and concerns affects a wide range of people, regardless of gender, age or salary. 

 

“There is a need to tackle the stigma attached to discussing financial concerns and this is where financial solutions in the workplace can help. It is therefore important for employers to take an interest in the financial health of their employees. Our research has shown that around 77 per cent of workers feel they can trust their employer when it comes to sharing personal information. This really highlights the role that employers can play when it comes to tackling the issue of poor financial wellbeing amongst the UK workforce.”

 

People selling buy-to-let properties or other property owners could clock up financial penalties due to ‘seismic’ changes to the capital gains tax (CGT) payment rules, says tax specialist Imogen Lea, from Clarke Willmott LLP,

 

From April 6, anyone who disposes of a residential property giving rise to a capital gain on which CGT is payable, will be required to make a digital return to HMRC and to pay an estimate of the CGT due within 30 days from the sale completing.

 

People will also no longer be able to benefit from a possibly substantial sum of money remaining in their hands for up to 22 months after a residential property disposal.

 

“This is a very big change and could easily catch people out,” said Imogen, a consultant in Clarke Willmott’s Taunton private capital team. “Interest on the unpaid tax and other financial penalties will be due if the rules are not followed.

 

“The risk of such a tight turnaround is people being unaware of the changes and failing to comply. They need to be aware of the vastly reduced time limits and to be ready to make the return and estimate the CGT due.

 

“CGT computations are not always straightforward which could mean that if people are not prepared, they might not be able to collate the information necessary to make the CGT calculation in time.”

 

The changes will potentially affect owners of holiday homes, buy-to-let properties, main residences which have been let out at some point, owners of homes with grounds in excess of half a hectare, and owners of houses which have been partly used for business purposes.

 

Imogen says the changes will not generally apply on the sale of a person’s main residence, but will be relevant on the sale of second homes, and where the main residence exemption does not apply for any reason.

 

“Gains are not always straightforward to calculate – if an owner has made improvements to the property the cost of these will be deductible from the capital gain, but if there have been numerous improvements over many years it may be challenging for the client to find all the supporting documentation.”

 

Imogen urges property owners to make an early start to compiling the required information and to start thinking about the CGT position as soon as the property goes on the market.

 

CGT is calculated by treating the gain as the highest amount of the owner’s income during the tax year in question and therefore clients will need to estimate their income during the tax year of disposal as this will impact on the CGT rate applicable to the gain.

 

Personal representatives and trustees as well as individuals will be required to comply with the new rules. Meanwhile, gifts of properties also give rise to a disposal for CGT purposes triggering the new requirements.

 

John Bunker, chair of Chartered Institute of Taxation’s private client UK committee, has branded the new reduced deadline as “a seismic change”.

 

Clarke Willmott LLP is a national law firm with seven offices across the country in Birmingham, Bristol, Cardiff, London, Manchester, Southampton and Taunton.