Bringing a Claim for Personal Injury – the Justice, the Industry and the Risk

Article by
Nidhi Chopra

Garden House Solicitors are renowned for our personal injury work. We do not take on cases through Claims Management Companies and we are often instructed by people who have been recommended to us by previous clients. As a solicitor it is very rewarding to reach a successful outcome for a client that has had the misfortune of suffering a life changing injury, caused by the negligence of another.  Many injuries are life changing and not only for the client but also their family.  

In a claim for personal injury a client is able to recover compensation for the pain suffering and loss of amenity that a client has suffered as a result of the injury. The client can also claim for financial losses that are incurred and will be incurred in the future as a result of the accident. By taking detailed instructions and through the use of evidence from expert witnesses we are able to build a description for the Court of what our client has suffered and what their life is likely to be like in the future so that an appropriate award can be made. 

The Judicial Studies Board has set up guidelines on how much compensation should be awarded for each injury. We value a client’s injuries in accordance with those guidelines and also by giving consideration to awards made in previous cases where similar injuries have been suffered. 

Can my Spouse Change Their Will After I Die?

Article by
Sharon Brown

The simple answer to this question is yes.  A Will is an individual document, which can be changed at any time (provided the testator has capacity to do so).

However, if two people have made “Mutual Wills” they have agreed not to amend their Will without the consent of the other person.

Many people confuse Mutual Wills with Mirror Wills, which is the term given when two people make very similar Wills at the same time, for example, everything to their spouse followed by their children.

Paws for Thought

Article by
Patricia Ling

As a responsible dog owner it is your duty to make yourself familiar with various laws that affect you as a dog owner and I hope this blog will help you. If you comply with all of these laws you should have no problems with your dog but if you do have any problems please contact us at Garden House Solicitors so that we can help you.

The Control of Dogs Order 1992

This law requires that all dogs wear a collar and a tag showing the owner’s name and address on it whilst they are out at a public place. Any dog without a collar in a public place can be seized by the police and treated as a stray. If your dog gets out by accident you should immediately contact the dog warden in your local area and the local police station and notify them of that because the Environmental Protection Laws Act 1990 allows the dog to be seized, sold or destroyed if it is not claimed within 7 days.

Client Injured as a Result of a Head-On Collision

Article by
Dave Koon Koon

I have today settled a claim for personal injuries resulting from a head-on vehicular collision.

My client was the front seat passenger in a car being driven by the Defendant and was injured after the Defendant attempted to overtake a slow moving farm vehicle on a country road. The overtaking manoeuvre should not have been undertaken and the Defendant’s car was involved in a head-on collision with a vehicle coming from the opposite direction. 

My client suffered a whiplash type injury as well as a psychological injury and in settling this claim I included, and recovered, the full cost of my client’s recommended psychological treatment, in the sum of £1,500, which will be provided on a private basis.

Luckily my client’s injuries were not as severe as they possibly could have been and the claim was settled by negotiation, following the issue of Court proceedings, for approximately £6,000.

If you have been injured as a result of a road traffic accident contact me on 01992 422128 or at dave@gardenhousesolicitors.co.uk for further advice and assistance.    

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The contents of this article are intended for general information purposes only and shall not be deemed to be, or constitute legal advice. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of this article.

Parsloe Athletic Under 14’s Trophy Presentation 2012

Article by
Dave Koon Koon

As we draw nearer to the start of the new football season we look back at the excellent season which was had by the boys of Parsloe Athletic Under 14’s.

Garden House Solicitors have been proud sponsors of this youth football team for the past 3 years and we have seen them improve dramatically throughout that time with the team reaching the Cup Final of their division last season.

At their end of season prize giving, which was attended by myself and Patricia Ling, the following players were recognised for their contribution to the team:

Falling Trees and Branches in Dangerous Weather Conditions

Article by
Dave Koon Koon 

A 30 year old woman unfortunately died whilst walking through Kew Gardens in London, on 23 September 2012, when she was hit by a branch that had fallen due to windy weather.

The police are not treating the death of woman as suspicious but could not confirm whether this unfortunate incident would be referred to the Health and Safety Executive for further investigation.

Who Should I Appoint as My Attorney?

Article by
Sharon Brown

Once you have decided to make a Lasting Power of Attorney (LPA) it is important to spend some time considering who you want as your attorney or attorneys.

Your attorneys will have legal authority to act on your behalf if you lack mental capacity.

You can choose to have more than one attorney, and indeed this can be a good idea.  However, having too many may prove impracticable.  The main factor is that your attorneys are people you trust.  Whilst it is not essential, it would be helpful if your attorneys know each other or are at least willing to work together.  If there is an existing rift between them it could cause unnecessary delays in your affairs being dealt with.

You should also consider how realistic it is for your attorneys to be able to assist you, for example, if they often spend long lengths of time in remote parts of the world, it may be sensible to choose another attorney who is more local.

You can also name one or more replacement attorneys in your LPA, in case your first choice can no longer assist you.

There is no obligation on you to have the same attorneys for your financial LPA as your health and welfare LPA.

To discuss your decisions and next steps, telephone me on 01992 422128 or email Sharon@gardenhousesolicitors.co.uk

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Email: info@gardenhousesolicitors.co.uk
The contents of this article are intended for general information purposes only and shall not be deemed to be, or constitute legal advice. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of this article.

Who Needs a Power of Attorney?

Article by
Sharon Brown

Anyone who would like to have a say over what health care and/or treatment they receive in the future, or who has assets in their sole name should make a Power of Attorney.

There are two types of Lasting Power of Attorney (LPA); one to cover health and welfare issues and one to cover your property and financial affairs.

Many people are not aware of what a Power of Attorney is and, even those that are often assume it is only elderly people or those suffering from illnesses such as dementia, who need to make an LPA.  This could not be further from the truth.

There are many health conditions that can leave you without sufficient mental capacity to manage your affairs.  Furthermore, you could be the victim of an accident at any time, regardless of how old you are.

Don't Get Captured!

Your case could be under settled, you could be charged a fee and you could lose compensation.


Article by
Chris Lucas

It’s an unfortunate reality that accidents happen. Car accidents, accidents at work, accidents in public places: the one thing that they all have in common is that they can cause injury, create inconvenience and in some cases change people’s lives forever.

If you suffer as a result of an accident which is not your fault, you will usually be entitled to claim compensation from the liable party. For this, you will often need a solicitor. Many people will already know this, perhaps from information they have read on the Internet, adverts they have seen on TV or their basic knowledge of English law.

What you may not know is that many personal injury law firms, particularly larger ‘factory’-type firms, buy their cases from third party companies known as referrers. A referrer could be your own insurance company: for example, if you have a personal injury claim and legal expenses cover as part of your policy, your insurer may refer your case to a panel firm of solicitors. Another type of referrer is a claims management company (or CMC for short): these companies buy and sell data and they make their money by obtaining information from injured clients and selling their cases to panel firms. The access some CMCs have to data can be surprising and they will often bombard clients with calls and put a lot of pressure on them to sign up as their representatives will often be working on commission.

The panel firms which pay referral fees for their cases are typically costs-driven, they churn over high volumes of work (much of it low value) and they often implement standard practices across the board. The culture of these firms is therefore much like a factory rather than a traditional law firm, which is why we refer to them as ‘factory’ firms.

My first job in a law firm...

Article by
Amanda Carron

I was 18 years old when I attended my first official interview for employment at Garden House Solicitors in which I successfully achieved a job as a trainee legal secretary. I had gained some background knowledge of the legal world at college, however my colleagues at Garden House Solicitors helped me gain more in-depth knowledge and skills to become the best legal secretary I could be!

Now two years on I have been promoted to a fully qualified legal secretary within this firm, I am learning new things and gaining more experience each day. My roles keep extending and therefore my skills are increasing. 

Garden House Solicitors has provided me with many challenges and hard work and it’s a pleasure being a part of the great GHS team!

www.gardenhousesolicitors.co.uk

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Tel: 01992 422 128

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Email: info@gardenhousesolicitors.co.uk

The contents of this article are intended for general information purposes only and shall not be deemed to be, or constitute legal advice. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of this article.

What is a Mutual Will?

A Mutual Will is when two or more testators (the legal name given to someone making a Will) make separate Wills or a Joint Will, and agree to give each other reciprocal benefits.  Alternatively, they can agree to confer benefits to the same named beneficiaries. 

For Wills to be mutual, there must be an express agreement between the two parties that both Wills will remain irrevocable and unaltered.  Normally, this agreement is incorporated into the Wills so as to avoid confusion and problems at a later date.

What is the effect of a mutual Will?

If one testator dies, and the deceased testator had not revoked or altered his Will then the surviving testator will be bound by the mutual Will.  They will hold the property and assets of the deceased person “in trust”.  If they try to revoke or alter their own Will, they would be committing fraud and a Court would be unlikely to grant permission for the change to be made. 

PyroTITAN Humeral Resurfacing Shoulder Implant Recalled

Article by
Kevin Timms

Integra LifeSciences is voluntarily recalling one lot of its PyroTITAN Humeral Resurfacing Arthroplasty due to the belief that there might be a manufacturing defect which may lead to premature failure of the shoulder implant.

The recall has been made following the notification to the PyroTITAN Humeral Resurfacing shoulder implant manufacturer that and implant was found with a fracture when it was being revised.

The manufacturer is recalling all products within the same lot so that additional testing and investigation can take place to determine is a manufacturing defect exists with this lot. PyroTITAN Humeral Resurfacing shoulder implants with the lot number 09-2119 are effected by the recall.

If your PyroTITAN shoulder implant has failed prematurely it may be as a result of a manufacturing defect and you may be entitled to make a compensation claim. For further information please contact Kevin Timms on 01992 422 128 or email Kevin at Kevin@gardenhousesolicitors.co.uk. 

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Tel: 01992 422 128

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Email: info@gardenhousesolicitors.co.uk

The contents of this article are intended for general information purposes only and shall not be deemed to be, or constitute legal advice. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of this article.

Can I Leave Money to Charity in my Will?

Article by
Sharon Brown

In one word, yes!  However, before you make any changes to your Will, or indeed set about making a new one it is important to seek advice to ensure that your intentions are recorded correctly else your wishes may not be met when you pass away.

Before proceeding, I recommend that you consider the following points:

R3 Acetabular System Recalled by Smith & Nephew

Article by
Kevin Timms

The metal liner component of the R3 acetabular hip implant system manufactured by Smtih & Nephew has been recalled as a result of an unacceptably high early revision rate.

The MHRA released a Medical Device Alert on 25 June 2012 informing the medical profession of the recall.

It is reported that 281 of the R3 metal liners have been implanted in patients in the UK. Statistics show that there is a high premature revision rate associated with the R3 acetabular hip implant system with a revision rate of 6.3% at four years.

For those who have a metal liner component of the R3 acetabuler hip implant system, the advice is the same as that for all metal on metal hip implants. Blood metal ion testing should be carried out to test the levels of cobalt and chromium. For patients with levels above 7ppb there is a risk that there is a potential soft tissue reaction and a further cobalt chromium blood tests should be carried out three months later. If cobalt and chromium levels remain high (or are higher) a further investigation should be carried out with use of imaging. Where imaging shows an abnormality, revision should be considered with the patient’s surgeon.

Garden House Solicitors have been instructed by numerous women with metal on metal hip implants from a variety of manufacturers. If you have a metal liner component of the R3 acetabular hip implant system and have suffered from adverse symptoms you may be entitled to make a metal on metal hip implant compensation claim. For further details please contact Kevin Timms on 01992 422 128 or email Kevin at kevin@gardenhousesolicitors.co.uk

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Tel: 01992 422 128

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Email: info@gardenhousesolicitors.co.uk

The contents of this article are intended for general information purposes only and shall not be deemed to be, or constitute legal advice. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of this article.

Taking a Wrong Turn

Article by
Julie Retallick

Julie Retallick has again successfully settled a personal injury case, without the need to issue court proceedings, via the On-line portal for Road Traffic Accidents.  This is a claims processing system to deal with all road traffic accidents involving personal injury claims valued between £1,000.00 and £10,000.00 only. It is intended to speed up the process of claiming and Julie uses it to great effect.

This claim for personal injury arose following a car travelling at approximately 30/40mph which lost control, mounted a footpath, crossed our Client’s garden and crashed through the front room wall of our Client’s flat where he was sitting on a sofa in the living room.  The whole of the car came to rest in the living room before reversing out and driving off.   The police and fire services attended the scene.

As a result of the accident our Client suffered whiplash to his neck and lower back with a psychological adjustment disorder with anxiety.

Julie negotiated settlement of the Client’s damages in the sum of £5,300.00.

Julie's client was so delighted that she received a lovely bouquet.

If you, a friend or loved one has been injured in a car accident in Hertfordshire or elsewhere please contact Julie Retallick on 01992 422 128 or email Julie at julie@gardenhousesolicitors.co.uk

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Tel: 01992 422 128

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Email: info@gardenhousesolicitors.co.uk
The contents of this article are intended for general information purposes only and shall not be deemed to be, or constitute legal advice. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of this article.

Employee Compensated for Injury from Cactus Sap

Article by
Dave Koon Koon

I have just settled a claim that was reported in the local press.

My client was injured after the sap from cacti he was pruning entered his eyes whilst at work.

At the time of the accident my client was employed as a landscaper by a well known multi national company and was sent to do a job without any warning as to the danger posed by the toxic sap produced by the cacti.

His employer breached several Health and Safety laws, which included not providing any personal protective equipment and in addition to the claim made for personal injury his employer was also prosecuted by the local Council and duly fined for those breaches.

As a result of coming into contact with the toxic sap my client suffered chemical burns to his face and arms and an eye injury.

After arranging for my client to be examined by an expert ophthalmologist it was discovered that in addition to the injury to my client’s eye he also suffered damage to his tear ducts and would require the permanent use of artificial tears to lubricate his eyes.

In settling the claim I included the cost of my client’s future requirement for artificial tears and the total claim was eventually settled for a five figure sum.    

If you have been involved in an accident at work contact me on 01992 422 128 or at dave@gardenhousesolicitors.co.uk for further advice and assistance.     

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Tel: 01992 422 128

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Email: info@gardenhousesolicitors.co.uk
The contents of this article are intended for general information purposes only and shall not be deemed to be, or constitute legal advice. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of this article.

Compensation for Criminal Assault

Article by
Dave Koon Koon

I have recently settled a claim which arose when my client suffered a broken jaw and a hand injury because an unprovoked attack during an amateur football game.

My client was the victim of an unprovoked attack by another player and following an attendance at his local A&E Department the seriousness of his injury was confirmed.

The matter was reported to the police and the attacker was arrested and charged with the assault.

My client was referred to me by a former client and after speaking to him I advised him that he could pursue a claim for personal injury through the Criminal Injuries Compensation Authority.

Following submission of the claim to the Criminal Injuries Compensation Authority the matter was investigated and my client’s claim for compensation was approved and he received a four figure sum in settlement.

The purpose of the Criminal Injuries Compensation Authority is to compensate victims of crime who have been injured in an act of violence in England, Scotland or Wales and there are various criteria that must be satisfied in order to successfully pursue a claim with the Criminal Injuries Compensation Authority.    

If you have been injured as a result of an assault or other criminal activity contact me on 01992 422 128 or at dave@gardenhousesolicitors.co.uk for further advice and assistance.     

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Tel: 01992 422 128

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Email: info@gardenhousesolicitors.co.uk
The contents of this article are intended for general information purposes only and shall not be deemed to be, or constitute legal advice. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of this article.

Dangerous Dog Attacks

Article by
Dave Koon Koon

According to NHS figures more than 6,000 adults and children were admitted to hospitals over the year to March 2011 after being attacked by a dog. One national newspaper has even reported that this figure represents the fifth successive year on year increase in injuries caused by dog attacks.

The government has recently proposed tougher sentencing guidelines for the owners of dogs following an attack as well as compulsory microchipping so that the owner of dogs can be traced. But do these measures really go far enough to protect the victims of dog attacks?

I have dealt with claims arising from dog attacks and the injuries can be severe and require substantial rehabilitative treatment.

In order to ensure that the victim of a dog attack is adequately compensated for the physical and sometimes psychological injuries they suffer as well as the financial loss they incur, which in the majority of cases includes loss of earnings, pet insurance, which covers the possibility of a dog causing injury, should be a mandatory requirement of dog ownership.

This is the only way to ensure that innocent victims of dog attacks receive adequate compensation to cover their injuries, financial loss and any treatment they require.

If you have been the victim of a dog attack contact me on 01992 422 128 or at dave@gardenhousesolicitors.co.uk for further advice and assistance.   

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Tel: 01992 422 128

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Email: info@gardenhousesolicitors.co.uk
The contents of this article are intended for general information purposes only and shall not be deemed to be, or constitute legal advice. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of this article.

Free Wills Storage



Article by
Sharon Brown

Here at Garden House we believe in giving you the best service possible.  We are happy to store your Will in our safe storage facility free of charge for your lifetime.  This gives you the peace of mind that no matter what happens, your Will can be found when it is needed.   

Are you currently paying for storage?

If so, you needn't be!  Regardless of who prepared your Will, we are still happy to store it free of charge for you.  At the same time, why not take advantage of our free Will review service?  That way you can be ensure that the document being looked after still meets your current needs and circumstances.

Networking in Bedfordshire

Sharon Brown

Here at Garden House we have clients spread across many counties.  In order that we can recommend other businesses local to you we actively network in different regions. 

I am a member of Business Connections in Biggleswade, Bedfordshire, an independently run networking and referral group.  This not only enables me to have a network of other local businesses to work with but also keeps me up to date with local news and events that may be of relevance to my clients.  You can find out more about the group on our website: http://www.business-connections.biz/index.htm

Cycling Accident in Essex

Article by
Dave Koon Koon

I have now successfully settled another personal injury case involving a cyclist.

The claim for personal injury arose after my client was thrown from his bicycle after coming into contact with a defect in the road in Harlow, Essex.

As a result of the accident my client suffered damage to several teeth including the loss of a front tooth as well as suffering bruising and scarring to his arms and face.

Tripping Accident in Hertfordshire

Article by
Dave Koon Koon

Garden House Solicitors have recorded another successful case at Trial in relation to a tripping accident which occurred on premises owned and controlled by a Local Government Council in Hertfordshire.

The accident occurred in December 2007 and was as a result of insufficient lighting at the Council’s premises which caused the Claimant to fall into an open ditch.

The Claimant suffered back injuries as a result of his fall and instructed a firm of solicitors to pursue the matter on his behalf. The claim was denied and the Claimant advised that he had no hope of receiving compensation or recovering his financial losses for the medical treatment he paid for himself.

LPA's for Businesses

Article by
Craig Ward

What would happen to your business if you were unavailable for a month? This can so easily happen, you get stuck abroad with flight delays, you’re injured and need to recuperate, or you could lose mental capacity. These situations can be managed by making a Financial Lasting Power of Attorney for Businesses. A Lasting Power of Attorney lets you appoint someone who knows your business well to manage it if you’re not able to. Your business may have taken years to build up, in just a short month it could be wiped away which is a waste.

Statutory Wills

Craig Ward

Where a client lacks mental capacity sufficient to create a will, a statutory will may be created on their behalf through the Court of Protection. This entails making an application to the court and asking them to execute a will. The application may be made by an authorised person, such as and attorney (acting under a lasting power of attorney), a deputy, or someone entitled to receive a benefit under the will. Once a statutory will is executed by the court this acts in the same way as a regular will drafted by a client.

There's More to Law than a Bore!

The legal world changes every day, so we try and give you as many ways to keep up to date as possible.  We also think it's important you get to know us - after all, you wouldn't buy a car without a test drive so why instruct a solicitor before you get to know them!

As well as being able to subscribe to our blog you can 'Like' our Facebook page:
www.facebook.com/GardenHouseSolicitors

You can also follow our team on Twitter:
Kevin Timms - https://twitter.com/#!/KevinTimms_GHS
Patricia Ling - https://twitter.com/#!/TishLing_GHS
Sharon Brown - https://twitter.com/#!/SharonBrown_GHS
Nidhi Chopra - https://twitter.com/#!/NidhiChopra_GHS
Dave Koon Koon - https://twitter.com/#!/DaveKK_GHS 
Chris Lucas - https://twitter.com/#!/ChrisLucas_GHS
Marsha Schwartz - https://twitter.com/#!/Marsha_GHS 

If you're a fan of LinkedIn you can also follow the firm there:
http://www.linkedin.com/company/garden-house-solicitors

If you have any specific questions please telephone 01992 422128 or email info@gardenhousesolicitors.co.uk and one of the team will be happy to help.




www.gardenhousesolicitors.co.uk

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Tel: 01992 422 128

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Email: info@gardenhousesolicitors.co.uk
The contents of this article are intended for general information purposes only and shall not be deemed to be, or constitute legal advice. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of this article.

Essex Personal Injury Solicitors

Article by
Kevin Timms

If you have suffered a personal injury and you live in Essex, you will need a personal injury solicitor serving Essex. Contact Garden House Solicitors to make a personal injury compensation claim today.

Garden House Solicitors are specialist personal injury solicitors making compensation claims across Essex. This means that we can come to you to take instructions in respect of your personal injury compensation claim. We are your solicitors, helping you through a difficult time.

Specialist Solicitors in Hertford

Garden House Solicitors in Hertford was established in 2006 by principal solicitor, Patricia Ling.  Since then the firm has gone from strength to strength and has expanded to meet the changing needs of our clients.

We now offer expert advice and assistance in the following areas:

• Personal Injury and Personal Injury Trusts
• Product Liability
• Employment Law
• Commercial and Civil Dispute Resolution
• Landlord and Tenant
• Representation at Inquests
• Making a Will
• Probate and Administration of Estates
• Powers of Attorney (EPA's and LPA's)

We have many clients in Hertford but also across the country.  We measure our success by the fact that our clients come back to us time and time again and they recommend their friends and family to us.  We offer appointments in our office or in the comfort of your own home at a time that is convenient for you.  

For further information on what we can do for you please telephone 01992 422128 or email info@gardenhousesolicitors.co.uk



www.gardenhousesolicitors.co.uk

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Tel: 01992 422 128

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Email: info@gardenhousesolicitors.co.uk
The contents of this article are intended for general information purposes only and shall not be deemed to be, or constitute legal advice. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of this article.

FAQ's on The Court of Protection and Deputy Orders

Article by
Sharon Brown

What is the Court of Protection?

The Court of Protection is an institution based in London.  It helps to look after vulnerable adults who lack sufficient mental capacity to make decisions for themselves.                                                        

Is the Office of the Public Guardian (OPG) the same as the Court of Protection?

The two institutions are separate but both work with vulnerable adults.  The simplest explanation is that the Court of Protection makes decisions whilst the Office of the Public Guardian handles registration of powers of attorney and ongoing administration matters.

Help! I Need Somebody...

Article by
Sharon Brown

Have you ever considered who would look after your finances if you couldn't look after them yourself?  Many people assume that this is something only the elderly need to consider, but due to strokes, heart attacks, and other debilitating illnesses or accidents mental incapacity is something that can affect anyone of any age.

If you lack sufficient mental capacity your spouse, children, friends or other family members will find it extremely difficult to look after your finances on your behalf.   Banks and other financial organisations are legally not allowed to give them any information or discuss your finances with them.

LPA Solicitor in Hertford

Article by
Sharon Brown

Since starting work in Hertford I have assisted a number of clients take control of their future by preparing both Property and Financial Affairs Lasting Powers of Attorney (LPA's) and also Health and Welfare LPA's.

If you or someone you know in Hertford or the surrounding area requires assistance with a power of attorney I would be happy to help.  Being local to you means I am on hand when needed and can offer home or hospital visits at a time to suit you.  At Garden House Solicitors we believe in providing a service tailored to you and therefore we do not charge extra for visiting you at home.

Please take a look at our Wills and Power of Attorney page for more ways in which we can assist you look after your loved ones or telephone me on 01992 422128 to see how I can help you with your LPA.  Alternatively, you can email me - sharon@gardenhousesolicitors.co.uk  

www.gardenhousesolicitors.co.uk

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Tel: 01992 422 128

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Email: info@gardenhousesolicitors.co.uk
The contents of this article are intended for general information purposes only and shall not be deemed to be, or constitute legal advice. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of this article.