Reducing whiplash claims

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1 summer 2013 fraud watch Access to justice the ever evolving approach to whiplash reform In the spring edition of our newsletter, Stuart Smith considered the impact of the new fast track fixed recoverable costs regime on strategy in fraud cases. He also reviewed the latest Government consultation titled Reducing the number and cost of whiplash claims. However, in the present climate, little seems to stay the same for long. In the latest in his series, Stuart considers both the most recent political developments and the evolving new approach being taken by judges following changes to the Civil Procedure Rules. Reducing whiplash claims The Ministry of Justice consultation on reducing the number and cost of whiplash claims ended on 8 March As discussed in my last article, it is this consultation which reviews whether the present small claims limit (above which scaled fixed recoverable costs can be claimed from a defendant) should be increased from the present limit for personal injury claims: One stated reason for doing this is to assist in the fight against fraudulent claims. Given what might now be characterised as the MOJs reformatory zeal of the first half of this year, it had been expected that the decision on increasing the small claims limit was a foregone conclusion and that this would have been announced within days of the consultation closing. However, the response to that consultation was delayed so that the result of another inquiry, by the Transport Select Committee (TSC), can be taken into account. In an overlapping remit, the TSCs role has been to look at ways of reducing the number and costs of whiplash claims bringing costs down whilst maintaining access to justice. That inquiry reported back at the end of July and a response to the MoJs consultation is now expected in the autumn. continues on page 2/3 >>> hilldickinson.com HDFU cross the channel for charity Page 4 Case law: two excellent results in partnership with CIS Page 8 Gumball Rally 2013 Page 12

2 >>> continued from page 1 Welcome Welcome to the summer 2013 edition of the Hill Dickinson Fraud Unit s quarterly newsletter, fraud watch. We hope that you are enjoying the last days of summer and that you will find this both an enjoyable and informative read. In addition to updating you on some of the latest developments in the industry, this edition also considers the impact that the civil justice, or Jackson, reforms, have had on the industry - Stuart Smith continues his series discussing this area. An additional focus in this edition is the shifting tide of interest in and the importance of telematics technology in motor insurance and claims fraud. Stratos Gatzouris discusses the latest developments. Chris Hallett reviews a recent matter providing insight into the tangled web of an HDFU fraud ring investigation. Last (but by no means least), we introduce you to some more members of the Hill Dickinson Fraud Unit costs team and update you on what some of them have been up to recently (both in and out of the office). It makes for an interesting read! We do hope that you enjoy this latest edition of our newsletter. If you would like any more information about the areas covered, would like to discuss any of the issues featured or make suggestions for what you would like to see in future editions, please do not hesitate to get in touch with any one of the team. Best wishes Lisa Kelly Partner Here is a summary of some of the conclusions reached: Question Is Great Britain really the whiplash capital of the world? Is it correct to say that whiplash claims add 90 to the cost of the average motor insurance premium? If so, what proportion of this cost is due to exaggerated, misrepresented or fabricated claims? Should the MoJs proposals for better medical evidence in whiplash claims be supported? Should the small claims track limit for whiplash and/or motor accident injuries be increased to 5000? Should the limitation period for injuries sustained in road traffic accidents be changed? Response This claim cannot be conclusively proved or disproved from the international evidence available. There is no authoritative data publicly available about the prevalence of fraudulent or exaggerated claims for whiplash injuries and no consensus about what constitutes fraud. The TSC supports proposals for an accreditation scheme and that reports should be available equally to all parties involved in claims. It is essential that practitioners providing reports are provided with information about accidents and the claimant s medical records and reports prepared without that information are likely to be of limited value. A random audit of medical reports prepared each year is also essential. The TSC also recommends that the Government consult on ways of requiring more information in support of whiplash claims. The TSC do not support the proposal at the present time. Reasons include: - access to justice impaired; - inequality of arms if insurers use legal representatives nonetheless and solicitors cannot assist claimants in light of the limited fees available claims management companies may try to enter this market; and - could prove counter-productive in efforts to discourage fraudulent and exaggerated claims. The TSC recommends that the Government analyse the impact of the portal on claims management and costs before reconsidering whether to increase the small claims track limit for whiplash claims. The MoJ should also consider how to combine the small claims track with the routine submission of expert evidence. Government should explain the rationale for the three year limitation period and bring forward recommendations for reducing it. Debate rages on as to the extent of fraud, the reasonableness of legal costs as matters stand and the best way of dealing with these issues. However, many of these arguments have already been aired in the responses to the previous consultation - so there is little in terms of new information. I see nothing in recent debates that changes my opinion expressed in the last edition, that raising the small claims limit could be an illadvised step to take, which may not of itself achieve the stated aim. Instead, fixed recoverable costs, now in force, should substantially reduce the cost of dealing with personal injury claims and, that measure, coupled with the ban on referral fees, achieves the main objective. What I do take issue with is the idea that every claimant should obtain medical attention following an accident. It seems unlikely that the need for a medical examination will deter those thinking of bringing a false claim. The consequence is more likely to be a waste of public resource with those feigning injury blocking the queue for more deserving members of the public. 2

3 fraud watch summer 2013 Changing approaches in the court? Following the 1 April implementation date, which saw a raft of amendments to many areas of the Civil Procedure Rules, some courts are, it seems, already taking steps to ensure that claims are dealt with more efficiently and at proportionate cost. While from a political perspective these steps haven t received much publicity, as yet, practitioners are already feeling some significant consequences in some areas and this is allowing defendants to identify other ways to defeat fraudulent claims. The main rule changes influencing this change of approach are: (i) Rule 1 - the overriding objective - which has been amended to specifically refer to cases being dealt with justly at a proportionate cost. Doing so is now expressly stated to include (and it is this that is the driving force behind the changes) enforcing compliance with the rules, practice directions and orders. (ii) Rule 3.9 relief from sanctions - this complements the amendment to Rule 1 having been simplified to state that when considering an application for relief from sanction the court will consider the need (a) for litigation to be conducted efficiently and at proportionate cost; and (b) to enforce compliance with rules, practice directions and orders. This is a significant departure from the previous rule 3.9, which included a much longer list of factors to be taken in to account and which resulted in penalties only rarely being enforced. Concluding remarks We have certainly seen a different landscape in the courts over the last few months. However, what is clear is that technical approaches to cases will start to reap greater dividends when opponents find themselves in breach of the rules. This should form part of case handling strategy in every case, in order to take advantage where possible Stuart Smith Introducing Hill Dickinson s costs team - an integral part of HDFU The Hill Dickinson costs team is home to a dedicated group of costs specialists working on fraud matters. The team is based in Sheffield - but carries out work from across the firm. It is headed up by legal director Paul Edwards and associate Lisa Walker who are assisted by Stephen Simpson, Josh Pearson, Amie Askwith, Paula Weedon, Michelle Ackroyd, Alesya Zhilenkova and Vicki Czernucha. Savings Recent savings achieved by the team are impressive. Between May and July 2013, the average saving across the spread of Hill Dickinson s fraud clients was 42.91%. During that period the team handled claims for costs in excess of 1.95 million, reducing these by more than 837,000. Savings have come about through pursuit of a range of arguments. In one case we achieved a 57% reduction where the claimant claimed at a rate of 275 per hour. Our investigations revealed that the main fee earner was not qualified and could claim no more than a Grade C rate and, as the claimant lived in outer London, rates were reduced to those applicable in that area. Another frequently successful argument is premature issue. On one file we were able to combine that point with arguments about the astronomical level at which costs had been claimed and achieved a 65.77% saving overall. Civil justice reforms May to July 2013 was also notable for our costs team, following the implementation of the Lord Justice Jackson-inspired civil justice reforms at the start of April. Prior to 1 April, the team were already experienced in dealing with a number of aspects of the reforms, including costs budgeting, having conducted cases within the pilot schemes, and provisional assessment of bills of costs as the pilot scheme for that procedure took place in the Sheffield team s local courts. However, a new measure to get to grips with, of particular importance to allegedly fraudulent claims, is qualified one way costs shifting and its fundamental dishonesty exception. And since 1 April, further measures impacting on the costs of handling claims have come into force - the extended claims portals and fast track fixed recoverable costs went live on 31 July Looking forward How all of these new provisions will apply to and affect the handling of fraud cases is a developing picture which we will be covering in more detail within the next editions of fraud watch. So far, one point to highlight is the number of applications being made to maximise costs recovered in the detailed assessment process. We are asking clients to pay special attention to these and to raise payments as swiftly as possible, so that requests can be dealt with and an application, together with the associated costs, is avoided. We are also seeing some good results at provisional assessment. Even where the defendant s offer is not beaten, the picture is improved as the costs of the assessment are fixed at Further information If you would like to discuss any fraudspecific costs issues, please do not hesitate to get in touch with either Lisa Walker on or your usual HDFU contact. Lisa Walker 3

4 HDFU cross the channel for charity In the last edition of this newsletter we told you about the efforts of two of the team, partner Peter Oakes and Netfoil CRM James Bilham, training for the Lloyds of London Cycle Club s London to Paris bike ride in aid of Action for A-T. Well, they did it, and here is James review of the event. The memories of this epic task of cycling 250 miles from the Lloyds Insurance offices in London to Paris in just 24 Hours still haunt me. It was tough! In the months leading up to the event we trained hard, with both of us riding through some of the worst weather this country sees - ice, snow, rain and wind aplenty. We took the advice we had been given - winter miles equals summer smiles - to heart and truly went for it, cycling over 200 miles most weeks. Even so, none of this prepared us for the main event We set off from the Lloyds building in the City at 4am. It was 40 miles to our first stop - which promised tea, coffee or hot chocolate to warm us up or a cooked breakfast for anybody brave enough to ride on a full stomach! Not me. One of the reasons we had chosen the first weekend in April was that we had expected the weather to be improving by then. We were wrong - as the sun rose, temperatures remained firmly below freezing. The last UK stage took us into Dover and in a disappointing move, port security thought it would be a good idea to force our group of 40 cyclists and three vans through x-ray and metal detectors. This meant that we missed our ferry and suffered a freezing two hour wait in basic kit at a small security hut. However, Calais eventually provided some spring sun and we all set off again, this time much closer together. Our groups of eight cyclists became one long train into the countryside, until the first hill climb split the groups. Anybody that rides will know that hills are painful, as even the slightest gradient saps strength from the legs. We had been told that France was flat it isn t by any stretch of the imagination! A tough 50 mile training ride involved feet of climbing. Our GPS computers told us that by the end of the ride we had completed over 10,000 feet uphill. We continued through the afternoon and into the night, as temperatures dropped once more. Food stops every 30 miles became targets and at each stop we donned further layers of clothing as, by 23:00, the temperature was minus six degrees. Funnily enough, through the cold we began to look forward to the next uphill section as the tough work warmed us up - although that was tempered by the freezing descents. Looking back, I am now sure the organisers took a map of France and picked every valley they could find, sending us through each one methodically to enhance the experience. By sunrise, Paris was in sight. We tried to up the pace a little as (unbelievably to Peter and I) some of the guys in the team were aiming to get there in time to start running the Paris marathon! Tempers unsurprisingly became short as legs became tired. Peter s mood was not helped as his final group got lost, adding a fair few miles and about an hour onto their ride. The rest of us fought our way through Paris backstreets. We finally reached the end of the ride at 07:00. I felt a fantastic sense of achievement but, in truth, was just ecstatic to disappear off to bed! Hill Dickinson raised over 6000 for Action for A-T. As a team, the Lloyds of London Cycle Club raised over 110,000 to help fund research into the tragic condition. For more information about the charity please visit actionforat.org. James Bilham 4

5 fraud watch summer 2013 Who s who at Hill Dickinson? Find out more about our counter fraud team and put faces to names. HDFU partner Lisa Kelly tells us where she fits in and what she loves (and hates!) about the job. The next challenge Clearly not scarred for life by the last event, Peter and James have now decided to take on a further cycling challenge, once again in France and once again incorporating hills - big ones! This is a four day ride which will replicate all the iconic alpine climbs from the Tour de France. Over the first three days, Peter and James will cycle a combined total of over 350 kilometres, taking in Mont Ventoux, Col du Vars, Galibier, Telegraphe, Glandon and Col du Croix du Fer. On day four, they will then time trial up Alpe d Huez. They depart for the challenge on 15 September and will be raising money for a mobile chemotherapy unit for the Christie Hospital in Manchester. We ll let you know how they do in the next edition! What do you do? I am head of operations for the Hill Dickinson Fraud Unit and oversee the operational management of the department. I manage a number of clients, as well as seeking out business development opportunities. I specialise in liability fraud. How did you get to where you are? Through sheer determination, hard work and loyalty. I joined Hill Dickinson in September 1991 as a trainee legal executive and was admitted as a solicitor in November 1999, before being promoted to partner in I joined the fraud team in May What do you enjoy most about your job? Providing a quality and successful service to clients and delivering results for the LLP. I enjoy creating opportunities for members of the team to progress and achieve their own personal success. What is the least enjoyable bit of the job? Making tough decisions that adversely affect others - which is unfortunately inevitable when managing such a large number of people. What is your biggest achievement, both professionally and personally? My biggest professional achievement was becoming a partner followed by the ongoing and recognised success of the HDFU. My biggest personal achievement was becoming a mother in What is the most challenging case that you have ever had to deal with and why? Over the years I have dealt with a number of challenging cases, ranging from fatalities to fraudulent property claims in Pakistan! However, the most challenging case had to be my first (and last) divorce case many years ago family law is certainly not for me! I am much more suited to the world of counter fraud and litigation. What quality or qualities do you most admire/like to see in the people you work with? Hard work, dedication and selfmotivation. What are your top tips for climbing the career ladder? Pick an area of law or work generally that you enjoy and always ask if you don t know the answer. Work hard and challenge yourself too and don t be afraid to come up with new ideas. Lisa Kelly 5

6 Focus on Telematics: a trip up the garden path or a triumph of technology? In the first of a series of articles focussing on this area, Stratos Gatzouris reviews the growing popularity of telematics motor insurance products and considers the huge potential for data collected in this way to be positively engaged in the fraud detection and prevention arena. What is telematics? The term telematics describes the integrated use of telecommunications with information and communications technology. It was first developed in the 1960s and has a broad range of uses across a range of sectors. More surprising applications, we have heard, include telematics-enabled Korean cows - but, here in the UK, the technology is most commonly discussed in connection with motor insurance. Vehicle telematics technology was originally used largely in the commercial market by fleet operators keen to keep track of their vehicles (and drivers!) - it is now, however, being expanded and made available to private users. A number of insurers have blazed a trail in this area including insurethebox whose business model is entirely predicated on the model. Increasing popularity Motor underwriting has, of course, traditionally been carried out using fixed criteria relating to characteristics such as age of the drivers, number of claims, post code and, until recently, gender. However, applying those criteria often results in a perceived mismatch between premium level and the true risk to an insurer of insuring any given individual. A gocompare.com survey indicates that 92% of drivers think their premiums should be based on the way that they drive - hardly surprising perhaps, considering that, according to a 2013 survey by The Economist in the US, 80% of drivers consider themselves to be of above average ability. Together with rising insurance costs generally, and increasing buy-in, particularly on the part of young people, with the idea of monitoring technology being used, a swing towards telematics has begun. In 2012, the European Court of Justice, in its Achats ruling, put a stop to insurers using gender to determine premium level. With this differentiator removed, both insurers and policyholders (especially females) seem keen to explore new ways of proving their low risk through installing a black box. The gocompare.com research suggests that by 2017, 57% of all UK drivers will switch to a telematics-based car insurance policy. It is a market clearly open to further exploration by those with vision. Benefits to insurers According to the Association of British Insurers good practice guide for those selling telematics motor products, telematics has the potential to dramatically change the motor insurance market. With consumers attracted at the point of sale by the effect on their wallets, insurers can explore other positive implications of the technology at the point of claim. Clear benefits include the likes of theft prevention, live accident reporting, early accident reconstruction and, ultimately, faster claim processing. Likewise drivers who are being watched are thought to be more likely to drive more safely and cause fewer accidents. A win-win situation then, it seems. Or, is there more that must be considered before jumping in feet first? Data and risk Quoted in a 2012 IBM Global Business Services white paper on telematics, Mike Brockman, CEO of telematics pioneer insurethebox, asserts that for a telematics proposition to succeed, collecting, storing and analysing masses of data is a new core competency for insurers. This is undoubtedly the case and it also highlights an important point: telematics products require insurers to collect and store such large quantities of potentially sensitive data (either themselves or via a third party) 6

7 fraud watch summer 2013 which gives rise to a number of legal and ethical challenges of particular concern as retail telematics products are developed. How and when should the data be used? Who may be given access? What steps need to be taken to keep it secure? Data received must clearly be subject to the provisions of the Data Protection Act Insurers are not specifically regulated on this - but various voluntary guides have been produced, including, in April 2013, one by the ABI in consultation with the Financial Conduct Authority and Information Commissioner s Office. An in-depth exploration of the law relating to data receipt and storage is outside of the scope of this particular article, however, no discussion of the development of telematics products would be complete without its mention. The key message is that for telematics products to be successful, consumers must trust their insurers to treat them fairly and protect their data. Insurers must communicate clearly with their policyholders as to how data will be used and obtain their informed consent to do so. Data risk outweighed by the potential to detect and prevent fraud? Appropriately handled, there is clearly huge potential for telematics technology to be utilised to optimal effect by insurers, fleet operators and those handling claims on their behalf. The data gathered will enable legitimate claims to be processed efficiently. Fraud lawyers, armed with intelligence from databases such as Hill Dickinson s Netfoil, can use the data to drill down firmly into the true circumstances of suspect incidents. The information gathered includes all manner of useful data relating to: - the degree of speed and impact, helpful in determining g-force which is in turn relevant to injury and causation; - vehicle behaviour, both during and surrounding an alleged accidental collision, essential for detecting induced or staged collisions; and - the time and location of an incident, which will reveal where damage has been staged or contrived. Future developments will likely result in systems which monitor vehicle occupancy and occupant behaviour countering the ability of fraudsters to promote bogus or phantom passenger claims. In the long run, telematics technology in general has the potential to provide objective evidence in the fight against fraud but, more importantly, to achieve greater fraud prevention and car safety. The proof is in the pudding In the next edition of this newsletter, we will consider how telematics data is currently being used for claims investigation and fraud detection. As the telematics technology is relatively new, claims involving it are taking a while to filter through, but HDFU are handling a number of matters in which the data is being considered. We will also review the way in which telematics data is being exploited in other jurisdictions where the retail market is more mature. Stratos Gatzouris 7

8 Case law Two excellent results in partnership with CIS Working closely with CIS, Hill Dickinson Fraud Unit (HDFU) has recently achieved good results in two very different matters. CIS client relationship manager Katherine Totty explains. HDFU paralegal Dave Toulson has had a case reported dealing with an insurer s right to make admissions on its policyholder s behalf. HDFU acted on behalf of CIS s policyholder. Case 1 An accident had taken place at traffic lights: each party blamed the other for running a red light and looked to pursue claims. CIS policyholder, Mr Jon, made the first claim, via the portal, against Mr Ullah, the other driver. Mr Ullah s insurers were unable to contact him so admitted liability keeping the claim within the portal process. They were contractually entitled to do so under the terms of the policy. However, four months later, unaware of that admission, Mr Ullah issued a claim against Mr Jon. When Mr Ullah found out about the admission, he sought to withdraw it. In the meantime, his insurers settled Mr Jon s claim and paid damages. Dealing subsequently with the claim against Mr Jon, HDFU argued successfully that the portal admission could not be withdrawn. Case 2 Meanwhile, success in deterring a civil claim for damages, where fraud was suspected, has led to one of our case workers assisting the prosecution in a significant criminal matter. Nasreen Rehman was instructed by CIS to investigate a case in which damage to the vehicles seemed inconsistent with alleged accident circumstances: that the defendant had exited a side road without giving way. A forensic engineer inspected both vehicles and agreed that damage was inconsistent. Investigators attempted to take evidence from both parties (the claimant did not at that stage have legal representation), but the defendant could not be traced. The claimant s version of events likewise failed to support the vehicle damage. Faced with these facts, the civil claim disappeared - but Nasreen was subsequently contacted by police investigating a fraud ring in the Sheffield area. Her witness statement has been used by the prosecution and she was on call to give evidence in court if required. Katherine Totty New recruit Fraud heavyweight Stratos Gatzouris joins the Hill Dickinson Fraud Unit Stratos Gatzouris has joined the management team at Hill Dickinson s Fraud Unit. He will lead the fraud unit at our Manchester office, contributing to business strategy and development, while also providing thought leadership and fraud prevention advice to clients. Stratos brings over 15 years of fraud specific experience to his new role at Hill Dickinson, including head of complex fraud at Keoghs, where he developed the firm s fraud technical policies and products. He currently holds the chairmanship of the Fraud Sector Focus Team of the Forum of Insurance Lawyers (FOIL). We are delighted to welcome Stratos a fantastic addition to the team. 8

9 fraud watch summer

10 10 Rufus looked at his computer and noticed that there was a link between the people he was investigating. He noted that they had both used the same mobile numbers and that there was an address from which they had both sent out s. The address was attributed to a mysterious Mrs M could she be pulling the strings? He dug further and probed into some black intelligence only to discover that there were links into the criminal underworld. He looked up at the rest of his colleagues in MI5, feeling the beads of perspiration which come with anxiety coupled with exhilaration. His colleagues were beavering away and he was about to unravel something big. Should he tell them now or keep digging? Would he risk having all the information wiped off the system by some cyber super-bug?

11 fraud watch summer 2013 Fraud rings identification and investigation The product of a vivid imagination and/or too many spy novels? Probably, but fraud ring investigations have a similar thrill to them - especially when they start to unravel in the way HDFUs Operation Brewers did. HDFU director of intel and complex fraud, Chris Hallett, discusses this recent matter which provides a window into the tangled web of an HDFU fraud ring investigation. Between April and February 2013, five alleged accidents occurred in the Midlands and south Wales. None of them caused major injury and none of them, considered alone, seemed particularly remarkable. Yet following investigations, we now consider them part of an organised fraud ring worthy of referral to the Insurance Fraud Bureau and IFED. How did we reach that view and what happens next? Spotting the warning signs The smoking gun in this investigation was provided by a shared mobile telephone number. The five accidents involved only three policies of insurance, each of which had been incepted using the same mobile number. Additional enquiries by HDFU revealed further links, including a predominant address used for the purchase of two of the three policies. Key fraud indicators were also engaged. Multiple accidents very shortly after policies incepted (in some matters within a week) were too convenient to put down simply to bad luck. Policy premiums (other than initial deposits) were not paid and the vehicles involved in accidents were not registered to the respective policyholders. Subsequent investigations failed to secure the policyholders co-operation (or even existence!) and vehicles could not be traced. Intelligence gathering As all the strands of suspicion came together, HDFU complex fraud intelligence investigators took further steps to establish patterns and gather evidence to prove that these claims had been orchestrated by an organised fraud ring. Investigations revealed an almost perfect storm of fraudulent characteristics, coupled with the unusual scenario of there being no engineering evidence, as vehicles had gone missing or were not claimed for. Intelligence gathering investigations at the addresses provided by the policyholders at inception raised serious concern, showing that they were not in fact linked to those addresses: one address was located in a sheltered housing complex occupied by residents in their 80s with no knowledge of the policyholders and who had previously returned correspondence addressed to them. Another property was part of a supported housing scheme in which the real residents had lived for 28 years. All of the information provided was backed up by Experian searches. Ultimately, a common address in Birmingham linked many of the cast together. The HDFU fraud ring team (who undertake intelligence enquiries into, and investigate fraud rings, as well as industry-wide issues) also considered social media to provide links between the policyholders and the various incidents. A tangled web linked addresses with Facebook profiles and unlikely policyholders with others involved in the claims. Pulling it all together As the investigation developed, it became possible for the Hill Dickinson intelligence unit to pull together the information, with the help of Netfoil, and to link and map common strands to get at those pulling the strings and orchestrating the fraud. Netfoil provides a visual representation of the various strands and shows how these combine to form the overall picture. As well as linking these cases together, this process also identified links with other cases previously investigated by Hill Dickinson and by their insurers. Presenting the evidence what happens next Once all of this evidence is gathered, HDFU lawyers can sift through the detail to pinpoint the relevant links and present them as persuasive evidence in court, should it prove necessary to do so. Similar fact evidence is relied upon, which can be presented via a Scott Schedule if the case merits it. As it stands, these claims look to have gone away. However, should they ever come back to life with proceedings issued, the evidence gathered will be sufficient to apply for a section 147 declaration. A successful outcome This successful outcome was achieved because all the components of HDFU worked together: fraud rings intelligence, investigation and fraud lawyers. If Rufus from our MI5 thriller had been a fraud ring investigator, he would have been comforted by the fact that he was working as part of an investigative and symbiotic team dovetailing their multi-disciplinary assets seamlessly. And from a financial perspective the news is good too. We estimate that on average we save for every 1 spent by the client in these types of matter. Please get in touch if you need any further information. Chris Hallett 11

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