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Why Your Solicitor Carries Out Anti-Money-Laundering Checks When You Are Buying Property in Belfast, Northern Ireland

Posted on by Lacey Solicitors

Buying a property is one of the most exciting and expensive decisions you’ll ever make. While you focus on finding the perfect home, your solicitor is working behind the scenes to ensure the legal process is secure and fully compliant. At Lacey Solicitors Belfast, one of our key responsibilities is to carry out Anti-Money-Laundering (AML) checks.

These checks are not mere formalities- they are essential to protect you, your property investment, and the integrity of the financial system.

What Is Money Laundering?

 

Money laundering is the illegal process of disguising the origins of money obtained through criminal activity. Property transactions are often targeted by money launderers because large sums can be moved without scrutiny if proper safeguards are not in place.

To combat this, the UK government has implemented strict AML regulations that apply to solicitors, estate agents, financial institutions, and others involved in property transactions.

What Are Anti-Money-Laundering Checks?

 

As experienced property solicitors in Belfast, we are legally required to verify the identity of every client and confirm the source of their funds. This usually involves:

  • Proof of identity – such as a valid passport or driving licence

  • Proof of address – such as a utility bill, bank statement, or official correspondence

  • Evidence of source of funds – including savings, inheritance, proceeds from the sale of another property, or a mortgage

If you’re receiving a gifted deposit, checks must also be carried out on the person providing the funds.

Why Are These AML Checks Necessary?

 

All solicitors in Northern Ireland are regulated by the Law Society of Northern Ireland and must comply with the Money Laundering Regulations 2017 (as amended).

At Lacey Solicitors, these checks are not just legal obligations—they are essential safeguards that:

  • Prevent criminal funds from entering the property market

  • Protect honest buyers and sellers from fraud

  • Uphold public trust in the legal and financial systems

Failing to comply can have serious consequences, both for solicitors and clients.

What Happens If You Don’t Comply with the AML Checks?

 

If you are unable or unwilling to provide the necessary documents, we cannot act on your behalf. Property transactions cannot proceed until all AML requirements are satisfied. This is not optional – it is the law.

How You Can Help Your Expert Property Solicitor in Belfast

 

To make the process smooth and efficient:

  • Provide identification and proof of funds as early as possible

  • Be prepared to explain your funding sources

  • Ask us for guidance – we are here to help at every step

Remember, AML checks are not about suspicion- they are about protection – for you, for us, and for the market.

AML Checks in Summary

 

At Lacey Solicitors, we take our role as trusted conveyancing solicitors in Belfast seriously. Our Anti-Money-Laundering procedures ensure your property purchase is:

  • Legally sound

  • Financially secure

  • Ethically robust

Whether you’re a first-time buyer or a seasoned investor, William Wilson and our experienced property law team in Belfast will guide you through every step of the process – securely, efficiently, and with your best interests at heart.

PSNI Data Breach Compensation – Lacey Solicitors Representing Affected Officers

Posted on by Lacey Solicitors

The Police Service of Northern Ireland (PSNI) data breach has been described as one of the most serious incidents in UK policing history. More than two years later, thousands of officers and staff are still waiting for their claims to be resolved.

At Lacey Solicitors, we represent a number of affected officers and staff, supporting them through the legal process and working to ensure they receive fair compensation for the risks and distress caused.

The 2023 PSNI Data Breach

 

In August 2023, the PSNI mistakenly published the personal details of 9,483 officers and staff in response to a Freedom of Information request.

The data included:

  • Surname and first initial of each employee

  • Rank or grade

  • Workplace location

  • Department or unit details

Although the list was removed quickly, dissident republicans were confirmed to have accessed the data. This left officers and their families facing ongoing risks to their safety and privacy.

The Information Commissioner’s Office later fined the PSNI £750,000, calling it a failure of the highest significance.

Compensation Delays and Funding Disputes

 

The PSNI accepted liability soon after the breach, and legal proceedings began in October 2023. For much of 2024 and 2025, officers and staff were told that a “universal offer” of compensation was being prepared.

However, in September 2025, the High Court was informed that although the Department of Justice and Department of Finance had approved the business case, the PSNI could not afford to pay the estimated £100m as well as the legal costs incurred within its current budget.

This has left thousands of officers and staff frustrated, with many still waiting for answers more than two years on.

Political Efforts to Secure Treasury Support

 

First Minister Michelle O’Neill and Deputy First Minister Emma Little-Pengelly have confirmed that the Executive has made a “very strong case” to the Treasury for additional funding to meet the cost of compensation claims.

Both ministers acknowledged that the situation is “deeply frustrating” for those affected but insisted that discussions with Westminster are ongoing.

Criminal Case Highlights Seriousness

 

In March 2025, a man appeared in court on terrorism charges linked to the breach. He was accused of possessing spreadsheets containing details of PSNI officers and staff, along with devices allegedly connected to terrorist activity.

He denies all charges, and the case is ongoing. The fact that sensitive PSNI data appeared in terrorism-related proceedings highlights the real dangers faced by those whose information was exposed.

How Lacey Solicitors Are Assisting Clients

 

While funding and political disputes continue, officers and staff are left in uncertainty. At Lacey Solicitors, we are:

  • Advising and guiding affected officers through the legal process

  • Pursuing compensation claims on behalf of our clients

  • Ensuring their voices are heard as delays continue

Ruaidhrí Austin, Partner in charge of Data Protection Claims for Lacey Solicitors said:

“The PSNI data breach caused lasting stress and anxiety for our clients. While responsibility has been accepted, the failure to resolve compensation claims has added to their frustration. We are committed to helping those affected secure the fair outcome they deserve.”

What Happens Next?

 

Test cases for PSNI data breach compensation are due to be heard in November 2025. The outcomes will help determine how thousands of individual claims are resolved.

Lacey Solicitors will continue to represent clients affected by the breach and provide support at every stage of the process.

Were You Affected by the PSNI Data Breach?

 

If you are a PSNI officer or member of staff whose details were exposed in the 2023 breach, you may be entitled to compensation.

Contact Lacey Solicitors today to speak confidentially with our team or use our secure online portal. We are here to advise you and protect your rights.

Noise-Induced Hearing Loss Claims in Belfast – Your Complete Guide

Posted on by Lacey Solicitors

At Lacey Solicitors in Belfast, we understand how frightening and frustrating hearing loss can be. From struggling to follow conversations to missing out on the everyday sounds of life, the impact can be huge. If your hearing loss was caused by noisy working conditions, you may be entitled to compensation.

This guide explains everything you need to know about hearing loss claims in Northern Ireland—from the legal process to how much compensation you could receive, and the next steps to take.

An Introduction to Hearing Loss Compensation Claims in Belfast

Noise-induced hearing loss (NIHL) – often called industrial deafness – is sadly common across Northern Ireland. Many of our clients have spent years working in noisy environments such as shipyards, factories, or construction sites, only to later discover lasting damage to their hearing.

If your hearing loss wasn’t your fault, the law may entitle you to bring a claim.

How the Law Treats Hearing Loss Claims in Northern Ireland

 

The law in Northern Ireland protects people from unnecessary noise exposure:

  • Occupational hearing loss (industrial deafness): Employers must comply with the Health and Safety at Work (NI) Order and the Control of Noise at Work Regulations (2006) to keep their employees safe.

At Lacey Solicitors, we use these laws to hold negligent employers accountable for the harm caused to our clients.

Is There a Time Limit on Hearing Loss Claims?

 

In most personal injury cases, there is a three-year time limit to bring a claim. But hearing loss is gradual, this three-year period usually starts from the date you first became aware of your hearing problems or when you received a diagnosis, not the date of exposure itself.

This means that even if you worked in noisy jobs 20, 30 or even 40 years ago, you may still be entitled to compensation today.

That doesn’t mean you should wait. It is always better to get in touch as soon as possible to discuss a potential hearing loss claim.

What Compensation Could You Receive for Hearing Loss?

 

Every case is different, but compensation generally covers two main areas:

  • General damages – for the pain, suffering, and disruption hearing loss has caused in your daily life.
  • Special damages – for financial losses, including:
    • The cost of private hearing aids

The amount you could receive depends on how severe your hearing loss is, how it affects your lifestyle, and the quality of the evidence presented. Our role is to fight for the maximum compensation available for our clients.

Eligibility to Bring a Hearing Loss Claim

 

To succeed with a hearing loss claim in Belfast, our clients need to show:

  1. Their hearing loss was caused by the workplace.
  2. The employer failed to take reasonable steps to protect them.
  3. That negligence directly resulted in hearing loss or tinnitus.

If you meet these conditions, you likely have a valid claim—and we can guide you through the next steps.

Next Steps to Begin a Hearing Loss Compensation Claim

When you contact Lacey Solicitors Belfast, here’s what you can expect:

  1. Free initial consultation – We listen to your story and advise whether you have a claim.
  2. Evidence gathering – We arrange medical reports and collect records to prove your case.
  3. Negotiation or court action – We handle everything with insurers or employers and represent you in court if necessary.

We’ve helped clients across Northern Ireland, including employees of Rolls Royce, Taylor Wimpey PLC, and Metro (NI) Limited, secure the compensation they deserve.

Call Lacey Solicitors today and speak to Roisin Cassidy who is the Solicitor in charge of Hearing Loss claims or alternatively use our Online Portal and we’ll arrange a call back.

Why You Shouldn’t Skip the Fixtures and Fittings List When Selling Your Home

Posted on by Lacey Solicitors

When selling a home in Northern Ireland, there is a significant amount of paperwork to manage, including contracts, title deeds, property certificates, searches, and more. One document that is often overlooked by sellers is the fixtures and fittings list.

Mr William Wilson, Head of Property at Lacey Solicitors, explains that a missing or unclear list can lead to confusion, delays, and even legal disputes. This article outlines why the fixtures and fittings list is important, what it should include, and how it helps protect both sellers and buyers throughout the conveyancing process.

What Is a Fixtures and Fittings List Exactly?

 

The fixtures and fittings list is a straightforward form that outlines what will remain in the property and what the seller plans to remove before completion. It forms part of the Vendor’s Replies to Pre-Contract Enquiries, which your solicitor provides to the buyer’s solicitor during the conveyancing process.

Think of it like this:

  • Fixtures are items fixed to the property, such as built-in wardrobes, kitchen units, or bathroom suites. These are typically expected to stay.
  • Fittings (sometimes called chattels) are items that are not fixed in place, such as freestanding furniture, lamps, or curtains. These can usually be taken with you, unless agreed otherwise.

This list may seem like a minor detail, but at Lacey Solicitors Belfast, we’ve seen how it can be the difference between a smooth sale and a stressful one.

Why It’s More Important Than You Think

 

A vague or incomplete fixtures and fittings list often leads to confusion or mix-ups. For example, a buyer may assume the garden shed is included in the sale, only to discover it’s been removed on moving day. Similarly, you might take a decorative light fitting or built-in appliance that the buyer expected to remain with the property. These misunderstandings can cause disputes, delay completion, and in some cases, lead to claims for breach of contract.

In Northern Ireland, the fixtures and fittings list forms part of the legal contract This means the list is not just a helpful guide, it has legal weight. Removing an item marked as “left” without agreement could give the buyer grounds to seek compensation or delay the sale.

A complete and accurate list sets clear expectations from the outset. Everyone involved in the sale: seller, buyer, and their solicitors knows exactly what is included and what is not. This clarity helps avoid arguments and keeps the transaction running smoothly.

What Should You Include in Your Fixtures and Fittings List?

 

In short, everything that could be questioned. Go room by room and think about what’s fixed and what isn’t. If there’s any doubt, include it.

Inside the House:

  • Kitchen appliances (oven, hob, fridge, dishwasher)
  • Bathroom mirrors, towel rails, toilet roll holders
  • Light fittings and bulbs
  • Curtains, blinds, and curtain poles
  • Carpets, rugs, and floor coverings
  • Built-in wardrobes, cupboards, and shelving

Outside the House:

  • Garden furniture and planters
  • Sheds, greenhouses, or storage units
  • Outdoor lighting and garden ornaments
  • Satellite dishes, aerials, or CCTV systems
  • Fencing, gates, and decking

Each item should be marked as included, excluded, or negotiable. The more detail you provide, the fewer surprises there will be for the buyer.

Misunderstandings about Fixtures and Fittings Lists in Northern Ireland

 

Sellers’ assumption: “I paid for it, so I’m taking it.” But if it’s fixed to the property — like a fitted oven or wall-mounted TV bracket — it’s probably a fixture. Removing it without agreement could breach the contract.

Buyers’ assumption: “Everything I saw during the viewing is included.” This isn’t always true. The list clarifies what stays and what goes.

At Lacey Solicitors, we help both buyers and sellers avoid these pitfalls by making sure the list is accurate and legally sound.

How It Protects You

 

For sellers, the list reduces the risk of being accused of removing something that was meant to stay. For buyers, it provides peace of mind about what they’re purchasing. For both sides, it helps keep the sale on track.

In Northern Ireland, the fixtures and fittings list becomes part of the legal contract. If an item marked as “included” is removed before completion, the buyer could delay the transaction or seek compensation. So, it’s not just a helpful tool — it’s a legal safeguard.

The top tip from our Mr William Wilson, Head of the Property Department at Lacey Solicitors, is to assist your solicitor by completing this document thoroughly and correctly. It’s one of the simplest ways to prevent legal issues during a sale.

Some Practical Advice

 

  • Be thorough: Walk through your home with fresh eyes and list every item that could raise a question.
  • Be honest: If you plan to take an item with you, state it clearly.
  • Be specific: “Light fitting in hallway” is better than just saying “hall light.”
  • Keep your solicitor informed: If you change your mind about something, let your solicitor know right away so the list can be updated.

Final Thoughts

 

Selling your home is a major milestone. It’s easy to get caught up in the bigger decisions such as price, offers, completion dates but smaller details like the fixtures and fittings list should not be ignored. Getting it right is one of the easiest ways to keep the process fair, transparent, and legally sound.

If you’re thinking about selling your home and want legal advice you can trust, get in touch with the Property Department at Lacey Solicitors Belfast. We will make sure that everything is handled properly, including the bits that are easy to miss.

 

Lacey Solicitors Announces Admission of Maria Adams to the Roll of Solicitors

Posted on by Lacey Solicitors

Lacey Solicitors is pleased to announce that Maria Adams has been admitted to the Roll of Solicitors. Having successfully completed her two-year training with the firm, Maria has reached this significant milestone in her legal career. We will now apply for her practising certificate, after which she will officially commence work as a solicitor with Lacey Solicitors.

Strengthening Our Motor Liability and Credit Hire Defence Team

 

Throughout her training, Maria has been an integral part of the firm, working closely with the Partners on a wide range of motor liability and insurance defence cases. She will now continue her work in our Motor Liability team, where she will assist Ruaidhrí Austin in the area of credit hire litigation, and will be acting on behalf of insurers, MGAs and private clients.

Credit hire litigation is still in its infancy in Ireland. Maria’s growing expertise in this specialist area, alongside Ruaidhrí Austin, places her in an excellent position to support our insurance clients as this field develops further.  Maria will now look to submit an application to become dual qualified, strengthening the firm’s cross-border expertise in motor liability and insurance defence work and allowing her to practise across the entire island of Ireland.

Commitment to Nurturing Trainee Solicitors

 

Ruaidhrí Austin, commenting on behalf of Lacey Solicitors, said:

“We are delighted to see Maria admitted to the Roll of Solicitors. Lacey Solicitors has a long tradition of developing legal talent from within, and Maria is an excellent example of that commitment. She has shown exceptional ability throughout her training, and her enthusiasm for motor liability defence and credit hire litigation makes her an invaluable addition to the team.”

Maria Adams on Her Achievement

 

Maria Adams said:

“I am thrilled to have been admitted to the Roll of Solicitors. During my training, I particularly enjoyed working within the Motor Liability and Credit Hire department, where I was able to assist in defending complex claims on behalf of insurers. I look forward to commencing practice with Lacey Solicitors once my practising certificate is in place, and I am especially excited about developing my abilities in credit hire litigation, which is still in its infancy in Ireland. I also plan to become dual qualified, which I believe will be of real benefit to our insurer clients in both jurisdictions.”

Lacey Solicitors – Specialists in Motor Claims and Insurance Law

 

Lacey Solicitors is well known across NI and ROI for providing expert legal representation in motor claims defence, credit hire disputes, and personal injury litigation. The firm acts on behalf of insurers, fleet operators, and self-insured clients, ensuring strong defence strategies and cost-effective resolutions in contested claims.

With a dedicated team of experienced defendant injury solicitors, Lacey Solicitors delivers a client-focused, results-driven approach to defending road traffic accident claims and credit hire cases.

Pedestrian Accident Claims in Northern Ireland: A Complete Guide to Compensation

Posted on by Lacey Solicitors

Pedestrians are among the most vulnerable road users in Northern Ireland. With little protection against cars, lorries, buses or cyclists, pedestrian accident claims Northern Ireland and the consequences of being struck on the road can be devastating. According to the Police Service of Northern Ireland (PSNI), pedestrians account for a significant proportion of serious and fatal road traffic casualties every year.

If you or a loved one has been injured in a pedestrian accident, you may be entitled to compensation. This guide explains your rights under Northern Ireland law, how the claims process works, what evidence you’ll need, and how compensation is calculated.

Why Pedestrians Are at Risk on Northern Ireland Roads

 

  • Traffic density in urban centres such as Belfast, Derry/Londonderry and Newry increases collision risks.
  • Visibility issues during dark winter months contribute to pedestrian accidents.
  • Shared road use—with buses, cyclists and cars often occupying the same space—creates hazards.
  • Driver behaviour, including speeding, using a mobile phone or failing to yield, is a leading factor in pedestrian collisions.

NI road safety reports show that around 15–20% of road deaths annually involve pedestrians. These figures highlight the urgent need for awareness, protection, and access to justice when accidents occur.

Who Can Make a Pedestrian Accident Claim?

 

You may be eligible to claim compensation if:

  • You were injured by a motorist while crossing or walking along a road.
  • A cyclist or e-scooter caused your injuries.
  • You were the victim of a hit-and-run or struck by an uninsured driver.
  • You lost a loved one in a fatal pedestrian accident.

At Lacey Solicitors, we  can see a worrying trend of children and vulnerable adults being victims of pedestrian accidents. In such cases, a parent, guardian or litigation friend can bring a claim on their behalf.

Time Limits for Pedestrian Accident Claims in Northern Ireland

 

In most cases, you have three years from the date of the accident to issue court proceedings.

Exceptions include:

  • Children: the three-year limit begins on their 18th birthday.
  • Lack of mental capacity: the time limit does not run until (and if) capacity is regained.

Prompt legal advice is strongly recommended, as delays can make evidence gathering more difficult.

Proving Fault and Contributory Negligence

 

In pedestrian accident cases, drivers are usually expected to take extra care. However, even if you are partially at fault, you may still seek compensation.

Compensation may still be awarded even if the pedestrian was partly responsible—for example:

  • Crossing outside a designated crossing point.
  • Wearing dark clothing at night.
  • Using headphones or being distracted by a mobile phone.

In such cases, the court will assess contributory negligence and reduce compensation proportionally.

Evidence Needed to Support a Claim

 

A successful claim depends on strong evidence. If possible:

  • Photographs of the accident scene, vehicles, and injuries.
  • Witness details from passers-by or passengers.
  • CCTV or dashcam footage.
  • Medical records confirming the extent of your injuries.
  • Receipts and invoices for financial losses (treatment, transport, care).
  • Police report, especially vital in hit-and-run cases.

If the driver was uninsured or untraceable, you can still claim through the Motor Insurers’ Bureau.

Types of Injuries in Pedestrian Accidents

 

Pedestrian accidents often lead to life-altering injuries, including:

  • Fractures and broken bones
  • Head and brain injuries
  • Spinal cord damage and paralysis
  • Internal injuries
  • Amputations
  • Psychological harm such as PTSD, anxiety or depression

In fatal accidents, families may claim for bereavement damages, funeral expenses and dependency losses.

How Compensation Is Calculated

 

Compensation in Northern Ireland is typically divided into two categories:

  1. General Damages
    • Pain, suffering and loss of amenity.
    • Various Guidelines available to Solicitors, Judges and Barristers provide range based on injury type.
  2. Special Damages
    • Lost earnings and loss of future earning capacity.
    • Medical treatment and rehabilitation costs.
    • Care and assistance from family or professionals.
    • Travel expenses to medical appointments.

For fatal claims, dependants may also receive compensation for financial loss, services, and emotional impact.

The Claims Process in Northern Ireland

 

  1. Free Initial Consultation – discuss your case with a solicitor.
  2. Investigation – gathering evidence, witness statements, medical assessments.
  3. Letter of Claim – sent to the driver’s insurer or the MIB.
  4. Negotiation – many claims settle without court proceedings.
  5. Court Proceedings – if settlement cannot be reached, your solicitor may issue proceedings in the County Court or High Court, depending on claim value.

Most claims conclude within 12–18 months, though complex or high-value cases can take longer.

Solicitors in Northern Ireland are strictly prohibited from offering no win no fee claims

 

No solicitor in Northern Ireland can offer you a no win no fee arrangement.  If they do, they may be breaking the law.

At Lacey Solicitors, we believe that everyone should have access to justice and that financial barriers should be reduced where possible. Read our recent article on the funding options available to you.

Frequently Asked Questions

 

Can I claim if I was partly at fault?
Yes, but your compensation will be reduced to reflect your share of responsibility.

What if the driver fled the scene?
You may claim through the Motor Insurers’ Bureau.

How long do I have to claim?
Three years in most cases, though exceptions apply for minors and those lacking mental capacity.  The best injury solicitors in Northern Ireland will all advise you to begin your case as early as possible.

What if my injuries are psychological rather than physical?
Psychological injuries such as PTSD are recognised in Northern Ireland and can form part of your claim.  Read more about psychological claims in our previous article.

How much compensation will I get?
This depends on the severity of your injuries, financial losses, and long-term impact. Solicitors in NI use various guides and their own experience to calculate appropriate awards.

Taking the Next Step

 

If you’ve been injured in a pedestrian accident in Northern Ireland, expert legal advice can make the difference between a failed claim and securing the compensation you deserve.

An experienced solicitor will:

  • Protect your rights.
  • Guide you through the process.
  • Maximise your compensation.
  • Handle insurers and legal proceedings on your behalf.

Conclusion

 

Pedestrian accidents can be devastating, but victims and families are not without recourse. Northern Ireland law provides clear avenues for compensation, whether the driver was negligent, uninsured, or untraceable. With professional legal support, you can secure justice, financial security, and peace of mind.

At Lacey Solicitors, we have the knowledge and expertise required to handle your claim with professionalism and efficiency. We focus solely on personal injury law and have a strong track record of securing compensation for our clients. We will work hard to ensure that you receive the compensation you’re owed, quickly and professionally, so you can concentrate on your recovery.

For further assistance or to discuss your claim, please don’t hesitate to get in touch. You can call us, or simply use our online contact form.

Data Breach at Northern Ireland GP Surgeries – Your Rights and How to Claim Compensation

Posted on by Lacey Solicitors

Lacey Solicitors is now offering legal support to patients affected by the recent data breach at multiple GP surgeries across Northern Ireland. If your personal information was exposed, you may be entitled to claim compensation for both financial losses and emotional distress.

What Happened?

 

On June 20, 2025, a theft occurred at a GP practice in County Antrim, leading to the loss of storage disks containing sensitive patient information. The Department of Health confirmed that the breach involved “missing disks” and affected a “small number of GP practices” across Northern Ireland. The Police Service of Northern Ireland (PSNI) has launched an investigation into the incident.

Patients were only notified of the potential data breach in late August 2025, nearly three months after the theft. One patient notification letter stated:


“We regret to inform you that our practice has been affected by a potential data breach. Your personal details may have been among the data involved.” The Irish News

The exposed data includes:

  • Names, addresses, and phone numbers

  • Dates of birth

  • National Health Service (NHS) numbers

  • Medical records and treatment histories

  • Prescription information and medication details

  • Health insurance and coverage information

  • Family medical history records

  • Appointment and consultation notes

Your Rights as a Victim of a Data Breach Affecting Your GP Practice

 

Under UK GDPR and the Data Protection Act 2018, individuals have the right to claim compensation if their personal data is exposed due to an organisation’s failure to protect it.

You may be eligible to claim for anxiety, distress and compensation for any financial losses incurred by you as a result of administration fees in dealing with this breach.

Lacey Solicitors – Data Breach Litigation Specialists

 

At Lacey Solicitors, we are representing patients affected by this breach. Our team is experienced in GDPR and data protection claims, and we are committed to securing compensation for individuals who have had their data breached.

We can assist with:

  • Submitting Subject Access Requests (SARs) to confirm whether your data was compromised

  • Collecting evidence of emotional distress or financial loss

  • Managing the full legal process with transparent fees

Ruaidhrí Austin, Partner at Lacey Solicitors, said:

“The loss of sensitive medical information is deeply concerning. Patients trust their GP practices to safeguard their personal data. Our team is ready to help victims pursue their rights and secure compensation for the harm caused by this breach.”

Ruaidhri Austin has already secured compensation for clients as a result of a separate data breach from a GP surgery as seen in our recent case study.

Ruaidhri also acts on behalf of clients affected by the Cabot Financial and PSNI Data Breaches.

What Should You Do Now?

 

If you believe your data may have been exposed:

  • Contact Lacey Solicitors for a confidential case review

  • Submit a Subject Access Request to your GP practice

  • Monitor your accounts and medical records for suspicious activity

  • Report any suspected fraud to the PSNI

  • Follow cybersecurity best practices, such as changing passwords and enabling two-factor authentification.

Contact Lacey Solicitors – Belfast & Dublin

 

If your personal or medical information was exposed in the Northern Ireland GP data breach, contact Lacey Solicitors today. With offices in Belfast and Dublin, our specialist team provides confidential advice on your rights under GDPR and can assist you in pursuing compensation for the harm caused.

Call us on +44 28 9089 6540 (Belfast) or +353 1 513 4375 (Dublin), or submit a free consultation request via our Online Portal.

The Steps Involved in Buying a House in Belfast

Posted on by Lacey Solicitors

Buying a house is one of the most important financial decisions you will ever make. Whether you’re a first-time buyer or an experienced property developer, understanding the steps involved in buying a house in Belfast or anywhere elsee Northern Ireland – is essential to ensure a smooth, stress-free transaction.

At Lacey Solicitors, with offices in Belfast, our experienced property law team guides buyers through every stage of the legal process. Below, we outline the six key stages involved in purchasing a home in Northern Ireland, based on current legal practice and best guidance.

Step 1: Sale Agreed – Instruct Your Property Solicitor in Northern Ireland

 

Once your offer on a property is accepted – whether through an estate agent or a private sale—the transaction becomes “sale agreed.” At this point, it is essential to instruct a solicitor to begin the legal work, also known as conveyancing.

We recommend choosing a property lawyer who specialises in conveyancing in Northern Ireland.

Once instructed, your solicitor will:

  • Confirm instructions in writing with terms of engagement and a quotation in line with the Home Charter Scheme and the Law Society of Northern Ireland’s guidelines.

  • Carry out Anti-Money Laundering (AML) checks.

  • Request the contract pack from the seller’s solicitor.

Prompt appointment of a solicitor can help avoid delays from the outset and can turn a difficult lengthy process into a short easy transaction.

Step 2: Survey, Valuation & Mortgage Offer

 

The best advice from our Head of Property Mr William Wilson, is to arrange an independent property survey from a RICS-accredited surveyor.

Under the principle of caveat emptor (“buyer beware”), it is the buyer’s responsibility to identify any defects, as sellers are not obliged to disclose issues, and any problems after completion become the purchaser’s responsibility.

Surveys can uncover hidden issues such as damp, structural movement, roof damage, outdated electrics, or unauthorised building work. There are different types of surveys:

  • Lender valuation – confirms market value but does not assess defects in detail.

  • RICS Level 3 Building Survey – comprehensive check, ideal for older or altered properties.

  • RICS Level 2 Homebuyer Report – highlights key issues, with optional valuation.

  • RICS Level 1 Condition Report – basic overview, usually for new builds.

If defects are found, buyers can:

  • Renegotiate the price with guidance from their surveyor.

  • Request repairs before completion.

  • Reconsider the purchase if issues are significant and they are not yet contractually bound.

If using a mortgage, your lender will carry out a valuation, and once approved, a formal mortgage offer is issued. Commissioning a proper survey protects your investment and gives peace of mind before proceeding.

Step 3: Title Checks & Legal Review

 

The seller’s solicitor will send your solicitor a contract pack consisting of:

  • Draft contract of sale

  • Title deeds

  • Property certificates

  • Pre-contract enquiries

  • Searches

Your solicitor will:

  • Review all legal documents

  • Raise enquiries as needed

  • Ensure no issues (rights of way, planning restrictions, unauthorised works) affect future resale

This step is crucial to confirm a clear legal title and protect you from inheriting legal, financial, or structural problems.

Step 4: Exchange of Contracts

 

Once:

  • Your solicitor is satisfied with all legal aspects

  • You have received and accepted your mortgage offer

  • All enquiries have been resolved

…you’ll sign the contract with your solicitor.

At this stage:

  • A completion date is agreed

  • Your solicitor sends your signed contract to the seller’s solicitor

  • Once both parties have signed, the agreement becomes legally binding

Withdrawing after this point may incur financial penalties and it is this stage that you should consider insuring the property.

Step 5: Completion – Move-In Day

 

On the agreed completion date:

  • You pay the balance of the purchase price via your solicitor

  • The mortgage lender (if applicable) releases funds directly to your solicitor

  • Your solicitor transfers funds to the seller’s solicitor

  • Keys are released, and you officially become the property owner

Your solicitor will also:

Step 6: Post-Completion & Registration

 

After completion, your solicitor will:

  • Register your name and ownership with the Land Registry

  • Send title deeds to your mortgage lender (if applicable)

  • Provide a final completion statement

This ensures your ownership is fully recorded and legally protected.

Required Documents When Buying a Property

 

To avoid delays, you will need:

  • Proof of ID and address (passport, utility bills, etc.)

  • Evidence of your deposit (bank statements or gifted deposit letters)

  • Mortgage Agreement in Principle

  • Details of any financial arrangements

These documents are essential for your solicitor and for compliance with money laundering regulations and lender requirements.

Why Choose Lacey Solicitors if You Are Buying a House?

 

Our Property Department, led by Mr William Wilson, was established in 2024 with three key ideals:

  1. Clear, responsive communication — phone, email, post, and WhatsApp are just some of the ways that client’s want us to correspond with them.

  2. Fixed-fee legal costs — no hidden extras.

  3. Proactive handling — title, mortgage, and search issues resolved efficiently.

In our first year, we were finalists for Property Law Firm of the Year at the Irish Legal Awards and our Property team has been nominated at the ESTAS. We are committed to bringing a modern approach to Northern Ireland’s property market.

Buying a Home in Belfast? Speak to Our Expert Property Solicitors Today

 

Whether buying your first home, investing, or relocating, trust Lacey Solicitors to guide you through every legal step. We protect your interests, meet deadlines, and give you peace of mind from offer acceptance to moving day.

Use our online portal to speak with our property team today.

CPD-Accredited Credit Hire Training for Insurance Claims Handlers in Ireland

Posted on by Lacey Solicitors

Are you an insurance claims handler in Ireland looking to improve your skills and reduce exposure on credit hire claims? Lacey Solicitors, an insurance law firm with offices in Belfast and Dublin, now offers face-to-face CPD-accredited training on Credit Hire in Ireland.

Our session, “Credit Hire in Ireland”, is now recognised by the Insurance Institute and counts for your CPD under the Central Bank of Ireland MCC Retail Product Category – Personal General Insurance.

What You’ll Learn about Credit Hire in Ireland

 

  • Early identification and referral of credit hire claims to prevent escalating costs

  • Crafting intervention letters to control liability and demonstrate mitigation

  • How to challenge the necessity, duration, and type of hire

  • Practical steps to assess reasonableness and market rates

  • Exploring legal defenses including impecuniosity, misrepresentation, and enforceability

  • Proactive strategies that minimise exposure and maximise efficiency

These insights are based on our step-by-step guide to defending credit hire claims in Ireland, giving your team practical, actionable strategies to manage claims effectively.

We can bring the training directly to your office, tailored for claims teams, legal departments, or senior handlers.

Contact Lacey Solicitors, Credit Hire Solicitors in Ireland 

 

Book your session today by using our online portal.

Stay ahead of evolving credit hire trends, gain CPD points, and ensure your claims handling is legally compliant, cost-efficient, and defensively robust.

Lacey Solicitors – Expert Personal Injury & Insurance Law Firm in Belfast & Dublin

Posted on by Lacey Solicitors

When life takes an unexpected turn, whether through an accident, workplace injury or medical negligence from your healthcare provider, you need a law firm you can trust to protect your rights and secure the compensation you deserve.

At Lacey Solicitors, we are specialists in personal injury law and insurance law, serving clients across Northern Ireland and the Republic of Ireland. With offices in Belfast and Dublin, we are uniquely positioned to handle cases that cross jurisdictions.

Our reputation is built on legal expertise, client care, and results. We act for individuals and families during some of the most challenging times in their lives, providing clear guidance, strong representation, and unwavering support.

Why Choose Lacey Solicitors?

 

Selecting the right solicitor is one of the most important decisions you will make after an accident or dispute. Here’s why clients choose Lacey Solicitors:

  • Specialist Expertise: Our insurance solicitors focus exclusively on personal injury and insurance law, meaning our knowledge is deep and up to date.

  • Cross-Border Advantage: Few firms operate with equal strength in both Northern Ireland and the Republic of Ireland. Our offices in Belfast and Dublin allow us to manage claims seamlessly across jurisdictions.  Our dual qualfiied lawyers make us a “one stop shop” for clients across the island of Ireland.

  • Proven Results: We have secured significant compensation for thousands of clients, from road traffic accident victims to families affected by medical negligence.

  • Client-Centred Service: We listen, advise honestly, and act decisively. Every client is supported by a dedicated solicitor, ensuring clear communication and trust throughout the process and we are proud of our google reviews that demonstrate our commitment to client care.

  • Insurance Law Specialists: Our roots lie in insurance and we act for a number of insurers across ireland.  We combine our defence insight with a passion for securing justice for innocent victims. We believe that cross sector collaboration between insurers and clients delivers the best results.

Our Legal Expertise

 

We represent clients in a wide range of personal injury and insurance law cases. Below are the main areas in which we specialise.

Road Traffic Accident Claims

 

If you have been involved in a road traffic accident in Belfast, Dublin, or elsewhere, we can help you secure compensation for injuries, vehicle damage, and financial losses.

We represent:

  • Drivers, passengers, pedestrians, and cyclists.

  • Victims of hit-and-run accidents.

  • Motorcyclists, who often suffer the most serious injuries.

Because we work across both NI and ROI jurisdictions, we are particularly well-placed to assist in cross-border accidents — for example, if your accident occurred in the Republic of Ireland but you live in Northern Ireland (or vice versa).

Accidents at Work

 

Employers have a duty to keep workplaces safe. Unfortunately, many fail to uphold these obligations, leading to accidents and long-term injuries. We assist clients injured by:

  • Defective machinery or unsafe tools.

  • Slips, trips, and falls in the workplace.

  • Injuries caused by inadequate training or safety equipment.

  • Manual handling and lifting accidents.

We also advise on claims for work-related stress, bullying, and other employment-related harm.

Slips, Trips & Falls

 

Public places should be safe for all, but inadequate maintenance or negligence can cause accidents. We represent clients injured in:

  • Supermarkets and shopping centres.

  • Restaurants, pubs, and hotels.

  • Public footpaths, roads, and car parks.

  • Private premises where owners failed to prevent hazards.

Medical Negligence

 

When medical professionals make mistakes, the consequences can be devastating. Our medical negligence team has the knowledge and experience to guide clients through these complex claims, including:

  • Misdiagnosis or delayed diagnosis.

  • Surgical errors.

  • Negligent treatment in hospitals or GP practices.

  • Birth injuries to mother or child.

  • Prescription errors and medication mistakes.

We approach these cases with both legal expertise and sensitivity, ensuring clients and their families feel supported.

Hearing Loss & Industrial Disease

 

Personal Injury Solicitors in Northern Ireland and the Republic of Ireland know that our citizens have long industrial traditions, and many workers are still suffering the effects. We represent clients suffering from:

  • Noise-Induced Hearing Loss (NIHL) caused by exposure to loud machinery.

  • Asbestos-related illness (asbestosis, mesothelioma).

  • Vibration White Finger (VWF) and Hand-Arm Vibration Syndrome (HAVS).

  • Respiratory diseases caused by workplace dust or chemicals.

Insurance Law & Disputes

 

This is where Lacey Solicitors truly stands apart. We are not only specialists in personal injury – we are also recognised experts in insurance law.  We are proud to act for insurers, MGAs, brokers, and policyholders across Ireland, the UK, and beyond.

Your insurance company may appoint us to defend you in your time of need, whether that means protecting you after a road traffic accident that was not your fault, or supporting you as an employer facing a claim from an employee. Insurers trust us to defend their policyholders because we combine deep insurance expertise with a practical, client-focused approach.

Offices in Belfast & Dublin — Dual Jurisdiction Expertise

 

Most law firms operate in one jurisdiction only. Lacey Solicitors is different. With offices in both Belfast and Dublin, we can:

  • Provide clients with local expertise wherever they are based.

  • Handle claims arising in either Northern Ireland or the Republic of Ireland.

  • Represent clients in cross-border cases, where an accident or dispute involves both jurisdictions.

  • Advise on differences between Northern Irish, Irish, and EU law as they apply to personal injury and insurance disputes.

Bearing in mind the size of the island of Ireland, for many clients – particularly those who commute, travel, or work across the border – this dual presence is invaluable.

Frequently Asked Questions for Personal Injury Solicitors in Northern Ireland & Ireland

 

How long does a personal injury claim take in Northern Ireland or the Republic of Ireland?

We will use our best efforts to progress your matter as quickly and efficiently as possible. It is difficult to accurately predict how long a legal matter will take to resolve. Progress is often dependent on the response times and cooperation of all parties involved.

In Northern Ireland, most uncomplicated cases resolve within 6 to 12 months. However, more complicated personal injury claims may take longer to conclude. This depends on a number of factors including:

  • The seriousness and duration of your injury;
  • Whether liability is admitted early;

In the Republic of Ireland our speed is determined by the Circuit that we issue proceedings in, how quickly your claim is processed by the Injuries Resolution Board (IRB) and whether formal legal proceedings become necessary.

The IRB is an independent statutory body in the Republic of Ireland that assesses compensation for personal injuries arising from public liability, workplace accidents, or motor claims.

Do you offer “no win, no fee” arrangements?

Unlike England and Wales, Personal Injury solicitors in Northern Ireland cannot legally offer no win, no fee agreements.  Any solicitor in NI doing so is breaking the law.

At Lacey Solicitors, we ensure everyone has fair access to justice. Our transparent fee options include Legal Aid or legal expenses insurance, so you only pay a small premium if a claim is unsuccessful.

Book a free consultation to discuss the best option for your case.

What evidence do I need for a claim?

Accident reports, medical records, witness statements, and photographs are all helpful. Don’t worry if you don’t have everything – we can obtain much of the evidence on your behalf.

Contact Lacey Solicitors – Personal Injury Solicitors Northern Ireland & Dublin

 

If you or a loved one have experienced an accident, injury, or insurance dispute, you don’t have to face it alone. Lacey Solicitors provides expert legal advice and works tirelessly to secure the compensation you deserve.

Belfast Office

3rd Floor, 18–22 Hill Street, Cathedral Quarter, Belfast, BT1 2LA

Dublin Office

Ormond Building, 31-36 Ormond Quay Upper, Dublin 7, D07 EE37

Phone:+44 (0) 28 90 896540 (Belfast) | +353 1 5134375 (Dublin)
Email:info@laceysolicitors.com
Website: www.laceysolicitors.com

Take the first step today with a free, confidential consultation. At Lacey Solicitors, your case is our priority.

Speak to an Expert at Lacey Solicitors today.

Are you missing out on quality advice? Get in touch today to speak to one of our experts.

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Dublin

Ormond Building, 31-36 Ormond Quay Upper, Dublin 7, D07 EE37
+353 1 5134375

Belfast

3rd Floor, 18-22 Hill Street, Cathedral Quarter, Belfast, BT1 2LA
+44 28 9089 6540

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