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Joint loans independent legal advice: What borrowers need to know after Waller-Edwards

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Key Takeaways

  1. You need joint loans independent legal advice if any part of a joint loan benefits only one borrower, following the Supreme Court’s Waller-Edwards ruling in 2025.
  2. Lenders must identify hybrid joint loans and ensure the potentially disadvantaged borrower receives independent legal advice, or risk the security being unenforceable if undue influence is later alleged.
  3. A solicitor giving ILA verifies your understanding of the risks, confirms you are signing freely, and provides a certificate required by the lender before funds are released.
  4. Typical scenarios requiring ILA include remortgages used to pay one borrower’s debts, Joint Borrower Sole Proprietor (JBSP) mortgages, second charges, and some family arrangements.
  5. If the loan completed without ILA where it was required, you may have a defence based on undue influence, but strict time limits can apply so specialist advice should be sought quickly.

If your lender demands independent legal advice before you sign a joint loan—especially where part of the money is used to pay your partner’s debts—there is now a strict legal safeguard in place. The Supreme Court has ruled that any joint loan with more than a trivial benefit to just one borrower is classed as a surety-type transaction. This means you must get solicitor-certified independent legal advice or your lender may not be able to enforce the loan against you under certain conditions.

The solicitor’s duty in your ILA appointment is to ensure you fully understand the risks and are signing freely, not just to tick a box. The solicitor will meet with you in private, ask about your relationship and finances, and alert you to the fact that you are jointly and severally liable for the full debt—even if the funds only benefit your co-borrower. If the solicitor is not satisfied you understand or are acting freely, they must refuse to issue the certificate. Without it, the loan cannot complete.

Fast ILA can offer remote, fixed-fee ILA appointments with SRA-regulated solicitors, often within 24–48 hours, so you don’t need to wait weeks. To arrange your joint loans independent legal advice or discuss your options, call 020 7459 4037 or use our online booking system.

When do you need joint loans independent legal advice after the Waller-Edwards case?

If your lender demands independent legal advice before you sign a joint loan—especially where part of the money is used to pay your partner’s debts—there is now a strict legal safeguard in place. The Supreme Court has ruled that any joint loan with more than a trivial benefit to just one borrower is classed as a surety-type transaction. This means you must get solicitor-certified independent legal advice or your lender may not be able to enforce the loan against you under certain conditions.

The solicitor’s duty in your ILA appointment is to ensure you fully understand the risks and are signing freely, not just to tick a box. The solicitor will meet with you in private, ask about your relationship and finances, and alert you to the fact that you are jointly and severally liable for the full debt—even if the funds only benefit your co-borrower. If the solicitor is not satisfied you understand or are acting freely, they must refuse to issue the certificate. Without it, the loan cannot complete.

Fast ILA can offer remote, fixed-fee ILA appointments with SRA-regulated solicitors, often within 24–48 hours, so you don’t need to wait weeks. To arrange your joint loans independent legal advice or discuss your options, call 020 7459 4037 or use our online booking system.

What is a hybrid joint loan and why does it trigger independent legal advice?

A hybrid joint loan is one taken out by two or more people where part of the loan serves only one borrower’s purposes—any situation with an “exclusive benefit” for one person. In a standard joint loan, both parties benefit equally (for example, buying a home together). In a pure surety-type transaction, one party guarantees another’s debt without personal benefit, which has long required independent legal advice.

A hybrid joint loan sits between these scenarios. For instance, in a joint remortgage, if part of the new borrowing goes solely to pay one partner’s debts, that share is an exclusive benefit and the legal requirements change.

📘 For Example: Jamie and Alex are remortgaging their family home. The mortgage broker arranges a loan that will repay their joint mortgage and also clear Alex’s personal HMRC tax bill. Because Jamie will be liable for debt that did not benefit them, the lender insists Jamie gets independent legal advice.

The law, following Waller-Edwards and the Etridge protocol, presumes that a borrower who does not benefit directly could face undue influence or misunderstanding of the risks. That is why lenders now require a solicitor’s ILA certificate for hybrid joint loans where an exclusive benefit exists, even if all parties are in full agreement.

What was decided in the Waller-Edwards v Once Savings Bank Supreme Court case?

In the Supreme Court case Waller-Edwards v Once Savings Bank [2025] UKSC, the court ruled that any non-trivial part of a joint loan used for the sole benefit of one borrower turns the arrangement into a surety-type transaction, requiring independent legal advice for the other borrower.

Catherine Waller-Edwards and Nicholas Bishop borrowed jointly. While most of the loan was for their joint benefit, £39,500 was used solely to pay Bishop’s personal debts. After their relationship ended and arrears occurred, Waller-Edwards argued she was subject to undue influence and had not received ILA.

The court, led by Lady Simler, rejected analysing the situation based on detailed facts of the parties’ relationship and instead introduced a “bright-line” rule. If there is any more-than-trivial exclusive benefit to one borrower, the bank is put on inquiry. Under the Etridge protocol, the lender must write to the at-risk borrower, recommend they seek independent legal advice, and make sure a solicitor’s certificate is obtained before releasing funds. If it is not, the security could be unenforceable if undue influence is alleged.

“De minimis” means that negligible or trivial exclusive benefits do not trigger the rule, but no fixed threshold is set. Lenders are therefore likely to require ILA whenever there is a clear exclusive benefit to avoid litigation risks.

These duties come from the established principles in:

  • Barclays Bank v O’Brien [1994]: where lenders must take steps to prevent undue influence risk when one borrower’s interests are subordinated.
  • Royal Bank of Scotland v Etridge (No 2) [2001]: setting out the lender’s protocol for ILA.

If you are asked to get ILA for a joint loan because part of the funds will pay your co-borrower’s debts, this is why.

When do you need independent legal advice for a joint loan?

Independent legal advice is needed for a joint loan whenever any part of the borrowing is for the sole benefit of one borrower—a situation that occurs in modern mortgages and property finance more often than some expect.

Examples include:

  • Remortgage or secured loan to consolidate debts: A couple remortgage jointly, but a portion is used to pay one partner’s credit cards, car loan, tax bill, or business debt.
  • Joint Borrower Sole Proprietor (JBSP) mortgages: A parent or friend joins as joint borrower for affordability but does not benefit personally—commonly, this structure helps pay off Help to Buy loans for the main borrower. Learn about JBSP ILA.
  • Bridging or buy-to-let loan: One borrower is included for borrowing power, but the funds benefit only the other. Lenders require ILA for hybrid joint loan arrangements.
  • Family arrangement loans: Parents or siblings join a loan for capital raising, but the proceeds benefit only the child or parent.
  • Second charge or further advance: Loans taken out on the home where funds are used for only one partner’s business needs or debt clearance.
📘 For Example: Clare and Lewis jointly own their home and agree to a second charge loan. Part of the funds pay Lewis’s tax bill; the lender requires Clare to get independent legal advice, as she is liable for debt that did not benefit her.

If both borrowers share the benefit equally—such as buying or improving their joint home—ILA is usually not called for. But as soon as some funds are for one party’s benefit alone, most lenders insist on ILA due to the legal and regulatory requirements.

What happens in an ILA appointment for a hybrid joint loan?

In an ILA appointment for a hybrid joint loan, you meet with an SRA-regulated solicitor who ensures you understand the transaction, the risks you face, and that you are signing of your own free will. The solicitor explains your joint and several liability and what it means if the other borrower defaults.

Here’s what to expect:

  1. Document preparation: Upload your loan offer, mortgage deed, and any paperwork detailing how funds will be used.
  2. ID verification: Provide your ID (passport, driving licence), verified digitally or via video.
  3. Conflict check: The solicitor ensures they are advising only you—not the lender or your co-borrower.
  4. Private remote meeting: Appointment by secure video or telephone, one-to-one, in confidence.
  5. Explanation of documents and risks: The solicitor reviews the loan size, its purpose, who benefits, and explains joint and several liability. You’ll be told that the lender can pursue you alone for 100% of the debt, even if only some of the loan benefited you.
  6. Questions on pressure or understanding: Expect questions about your relationship and whether you feel pressured. Your understanding of the deal is checked thoroughly.
  7. Focussed advice: The solicitor will address any questions or concerns and will not issue the certificate if they have doubts about your understanding or free will.
  8. Signing and certification: If all is in order, you sign the ILA certificate in the appointment, which the solicitor sends to your lender or conveyancer.

Appointments typically last between 20 and 40 minutes, with most certificates issued within 24–48 hours, sometimes faster if urgent.

📘 For Example: Lee is joining a JBSP mortgage for his daughter’s flat. The solicitor explains that Lee will be liable for the loan even though he does not co-own the property and confirms Lee is not under pressure before sending the signed certificate to the broker.
💡 ILA Tip: Have all your paperwork ready before the appointment—this helps your solicitor focus on the specific risks you face and streamlines the process.

How do you get an ILA certificate for a joint loan online?

You can obtain an ILA certificate online by using a digital appointment service like Fast ILA, allowing you to complete the entire process remotely.

Steps to follow:

  1. Check with your lender or broker: Confirm if ILA is required and what documents are needed.
  2. Book your appointment: Use our online booking form and select “Joint Loan/Hybrid Loan ILA”.
  3. Submit your documents: Upload your ID, loan offer, mortgage deed, and any breakdown of how loan funds will be allocated.
  4. Attend your online appointment: Take your call from home or work by video or phone at your chosen slot.
  5. Receive your certificate: After your ILA meeting, the solicitor issues the certificate to your lender or conveyancer.

Turnaround is typically 24–48 hours, with urgent appointments often available.

📘 For Example: Priya’s bridging lender requires an ILA certificate for a joint loan. She completes everything online and receives her certificate promptly.
💡 ILA Tip: Always check your lender will accept a digital ILA certificate and that your solicitor is SRA-regulated.

Can you refuse to sign after independent legal advice? What if you feel pressured?

Yes, you can refuse to sign after receiving independent legal advice. If you do not fully understand the transaction or feel pressured, you should not proceed. Your solicitor will not issue the certificate unless they can confirm you are acting freely and understand the risks. Without the certificate, the loan will not complete.

It is important to voice concerns or uncertainties during your ILA call. The solicitor is independent—there to protect you. If you reveal signs of pressure or confusion, your solicitor is required to take your situation seriously and may advise against signing.

💡 ILA Tip: Never sign under pressure from family, a partner, or a broker. Pausing or refusing can protect you from financial harm.

What if your joint or hybrid loan completed without ILA? Can you challenge it?

If your joint or hybrid loan completed without the required independent legal advice and part of the funds benefitted only your co-borrower, you may have a defence based on undue influence. This could affect the lender’s ability to enforce the loan or repossess your home.

Under Waller-Edwards and Etridge, failure to provide ILA when needed may allow you to challenge the loan, particularly if you can show you did not understand, or were pressured. However, you must act quickly—strict time limits apply.

📘 For Example: Maria realises after completion that she never received ILA on a joint loan largely used to pay her partner’s debts. She could seek legal advice on contesting the lender’s ability to enforce the debt.
💡 ILA Tip: If your loan completed without proper ILA, seek specialist legal advice as soon as possible—delay can harm your options.

Lender-specific independent legal advice requirements for joint and hybrid loans

Many mortgage and finance providers require independent legal advice for joint or hybrid loans in response to the Supreme Court’s ruling. This applies not just to classic guarantees or occupier consents, but also hybrid remortgages, JBSP mortgages, and family or business second charges.

Lenders currently recognising or approving Fast ILA certificates for these arrangements include:

  • Kensington Mortgages (for occupier consents and joint loans) see details here
  • Aldermore, Vida Homeloans, Masthaven, Foundation Home Loans (noted for bridging and buy-to-let hybrid transactions)

JBSP structures are always classed as hybrid after the Waller-Edwards ruling, so ILA is required. See our JBSP ILA guidance for details.

💡 ILA Tip: Panel approval means a lender recognises certificates from specific solicitor firms. Always confirm your lender’s current policy.

How to book independent legal advice for a joint or hybrid loan

Follow these steps to organise ILA for your transaction:

  1. Check the loan’s purpose: Identify if any part of the funds is for one borrower’s sole benefit.
  2. Speak to your broker or lender: Confirm ILA is needed and how documents will be sent to your solicitor.
  3. Book an appointment: Use our online booking form for quick scheduling.
  4. Upload documents: Include your loan offer, ID, and evidence of fund allocation.
  5. Attend your ILA meeting: Remote meeting by video or phone, usually 20–40 minutes.
  6. Certificate issued: Once complete, the solicitor sends your certificate to the lender or conveyancer.
💡 ILA Tip: Early booking minimises delays—inform your broker or lender as soon as you know ILA is required.

The Fast ILA advantage: getting your ILA for hybrid or joint loans

Fast ILA delivers remote, fixed-fee independent legal advice with SRA-regulated solicitors, accepted by a range of lenders, and specifically tailored for hybrid and JBSP loans following Waller-Edwards.

  • Fully remote—no office visits required
  • Video and phone appointments usually available within 24–48 hours
  • Lender acceptance for joint, hybrid, and second charge scenarios
  • SRA-regulated solicitors for compliance and peace of mind
  • Clear guidance on joint and several liability, your right to pause or refuse, and step-by-step support

For further details, see our comprehensive guide to Independent Legal Advice.

Frequently asked questions about joint loans independent legal advice

Is ILA now mandatory for all joint loans?

No. ILA is only required where a joint loan includes an exclusive benefit for one borrower. If both parties are equally benefitting, it is generally not needed.

What counts as an exclusive benefit?

Any non-trivial share of a loan used solely by one borrower. For example, where part of the loan repays a partner’s personal debt.

Do both borrowers need separate ILA?

Not always—only the borrower not receiving the exclusive benefit usually needs ILA. No two borrowers should use the same solicitor.

Can my partner’s solicitor advise me?

No. You must receive advice from a solicitor fully independent from your partner and the lender.

Can my conveyancer do my ILA?

In many cases, yes—provided they are independent of your partner and lender, and there is no conflict of interest.

Is ILA for JBSP mortgages different?

No, except JBSP structures always require ILA, since the non-owning borrower does not benefit. See JBSP ILA details.

What is joint and several liability?

It means each borrower can be held liable for the whole debt. The lender may pursue either party for 100% if there is a default.

Can I get ILA if I don’t speak English fluently?

Yes. Interpreter-assisted appointments can be arranged—mention your requirements when booking.

Will my lender accept an online ILA certificate?

Most major lenders do. Check with your lender before you book.

What if I feel pressured to sign?

Report it during your ILA meeting—the solicitor is independent and will not let you sign under duress.

Can I challenge a loan I signed without ILA?

If your loan was hybrid and you did not receive necessary ILA, you may be able to challenge it. Seek specialist advice quickly.

Book Your Joint Loans Independent Legal Advice with Fast ILA Today

Booking your ILA with Fast ILA is safe, compliant, and straightforward. Arrange an appointment online, upload your documents, and receive SRA-regulated, lender-accepted advice remotely and securely. Our team is available for urgent appointments and clear step-by-step support.

Call Fast ILA on 020 7459 4037 or use our online booking form to arrange your fixed-fee ILA appointment today.

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At Fast ILA, we make trusted legal advice fast, affordable, and accessible. Our SRA-regulated solicitors have decades of experience and deliver clear, effective solutions – fast. We were founded to take the stress out of legal advice by offering specialist Independent Legal Advice (ILA) that’s fully remote, fixed-fee, and recognised by lenders nationwide.

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Karim founded Fast ILA with one clear mission: to make expert legal advice accessible, fast, and affordable for everyone.

Growing up, Karim saw first-hand how people struggled with complex legal documents, unfair agreements, and a lack of affordable legal support. That experience inspired him to build a service where clarity, speed, and trust are at the heart of everything we do.

Fast ILA was created to break down barriers to justice. We deliver Independent Legal Advice from highly experienced, SRA-regulated solicitors all online, without delays or hidden costs.

Our promise is simple: We give you the advice you need, when you need it — with total clarity and no compromise on quality.

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Our firm’s values ensure that we consistently exceed client expectations. We are:

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Ian

02-04-24

Exceptional work from Karim!

Karim went above and beyond to help us settle a debt dispute with a UK company that hadn’t paid us. As an international business, Karim was tremendously helpful and available to us throughout the process, even with time zone differences across our offices. We really appreciated the extended effort he took to tailor our needs! I very much look forward to working with him again and couldn’t recommend Go Legal more. Thanks so much again Karim!

Kaela

09-12-23

Highly Recommended Karim at Go Legal Ai

After months of struggling with a rather shady company and getting nowhere, I was recommended to speak with Karim at Go Legal. He was incredibly reassuring, listened to my complaint attentively, and clearly presented my options. Within a few weeks of negotiations with the opposing lawyer, Karim was able to secure a fantastic settlement for me. I was over the moon! He is calm, reassuring, and responsive. I highly recommend Karim at Go Legal to anyone in need of a good lawyer.

Lee

28-06-24

Karim thinks outside the box

Karim thinks outside the box. He has knowledge, experience and common sense. His main concern is the outcome for his client, rather than what others think the outcome should be. He challenges the status quo and gets the results.

Galina

30-05-2024

Best Lawyer Team!

I cannot speak highly enough of Karim and his team. Their dedication to their clients and attention to detail are truly remarkable. From start to finish, they demonstrated professionalism, expertise, and a genuine commitment to achieving the best possible outcome for my legal needs. I have worked with many lawyers in the past, but none have compared to the level of service and expertise provided by Karim and his team. If you’re looking for the best lawyers around, look no further. I wholeheartedly recommend them to anyone in need of legal assistance.

Digilency

26-05-2024

Honest, Transparent, Knowledgeable...

Karim sounded out my case as a free consult. I was extremely grateful to him for his honesty, integrity and wealth of knowledge. Highly recommend.

Digilency

23-08-2024

Recently had the opportunity to use Go Legal Ai

Recently had the opportunity to work with Karim and I can say that my time was worth it. Karim is someone who takes care of things instantly with constant attention to detail and perfection and the right person to work with in legal matters

Derin

12-07-2024

Amazing DIY legal platform

Karim, is personable and professional. He has a real desire to deliver the best outcome for your case. His attention to detail is next to none and constantly keeps you in the loop as a client. I trust his judgement and can’t recommend his services enough as a legal professional. You are in safe hands.

Jason

17-01-2024

Excellent Service

I have known Karim for many years and his work ethic and professionalism is excellent, similalrly throughout the team he has selected around him. His passion for his work is clear from all interactions with him and he transmits this through the quality of his work.

J A

07-07-2024

Excellent Service

Excellent service, esp from Atty Zareen. My husband’s visa was granted because of her hard work. She is very focused and gives regular updates.
I would use their service again.

Joel

21-06-2024

Karim and Aashma at Go Legal Ai

Karim and Aashma were brilliant in the way they advised us on the process during a difficult and stressful time. I can’t thank them enough for they help on the legal matter.

Darren

06-08-2024

Great work by Karim

Top of the line work done and executed by Karim. He has went out of his way in helping me settling down a lot of things in the UK. He has been helpful to us in many ways and really appreciate the effort done by him. Thank you very much, will be looking forward to get in touch again whenever there’s a legal work required. Highly Recommended firm

Darren

10-12-2023

I loved Go Legal Ai because I felt I could...

I loved Go Legal because I felt I could deposit my trust on them and they guided me through all the possibilities and process. Feeling informed made the journey more relaxed. They are very professional, empathetic and human! A rare combination nowadays. Thanks for your great work! I highly recommend.

Irina

09-01-2024

Karim's expertise and tutelage

Karim, with his sound experience in settling complex disputes, supervising that the agreements are right for you and most importantly analysing legal documents to know if you have a foot to stand on in your pursuit for justice and holding a strong case. I couldn’t recommend a more better person to help you with your needs.
Go-Legal is the way to go!

Calvin

08-12-2023

Unrivalled experience

Incredible service! He’s meticulous and most importantly doesn’t leave any stone unturned. His wealth of knowledge and experience gave me assurance and peace of mind when going through our litigation process and Karim was swift in his process from start to finish. His personable approach has made it a truly unrivalled experience!

Jay

11-05-2024

First Solicitor Firm I feel I can trust

For the first time in the last 7 years I spoke to a professional who WAS LISTENING to me so to best understand – in the short time available – what is going on and why I need to take my ex-solicitor to court.
It would feel right to have GoLegal help me with the professional negligence case, if time limitations allow to do so. Pity I did not speak to this Firm, months ago. Wow, they know what they are doing…
Conversation ended on such a positive note, thank you K. from GoLegal, thank you very much.

meS P

21-02-2024

Highly recommend Karim and his team

Highly recommend Karim and his team. It is our second time using Go Legal and we are very pleased with the result and service which continues to surpass expectations. Brilliant!

Sean

24-06-2024

I highly recommend Karim and his team!

I highly recommend Karim and his team!! I cannot recommend him highly enough. In all my years haven’t come across a better or more knowledgeable lawyer. We are grateful for his assistance and compassion.

Mesfin

23-02-2024

Karim and his team went above my expectations...

Karim and his team went above my expectations. He us diligent, sympathetic and most of all knowledgeable. His approach is very thorough and I would not hesitate to recommend him. Thank you Karim!

Miria

30-05-2024

Excellent all round

I recieved a free consultation call bang on the time agreed, from Karim, who was friendly and very professional. He listened well to all had to say, and though he couldn’t assist in this case has advised me and even sent me a link after to alternative help. Thank you Karim. A great appreciated service all round

Hannah

18-01-2024

Highly recommended for exceptional service

Karim and his team are very helpful. I mostly liked the free consultation service they offered. It helped me a lot to understand what I needed. I contacted them for immigration service and they provided an exceptional solution.

Iftekhar

09-05-2024

Karim provided a great service...

Karim provided a great service and allowed me to understand the process much more. All cases have a tremendous amount of moving parts which were well explained. Recommended.

DPM Construction

18-06-2024

Karim is very knowledgeable in his field. Great Platform

Karim is very knowledgeable in his field, gives great advice and most importantly is very easy to communicate with.

Speaking with some solicitors can be an intimidating process but Karim’s easy going approach is a breath of fresh air.

Highly recommended!

M S

02-06-2024

Excellent experience with Karim at Go Legal Ai

Excellent experience with Karim.
He was very helpful, polite and an excellent communicator. He is competent and professional
and responded always very quickly to our questions.
We highly recommend Karim.

RS

30-09-2024

Right from the start I knew we were in safe hands with Go Legal Ai

Right from the start I knew we were in safe hands, we had a consultation with Karim and discussed our case with him. We were given a clear strategy at the outset and everything panned out as he predicted. I cannot recommend Karim enough for any legal matter.

Sam

09-01-2024

Karim helped us resolve a commercial dispute...You're in safe hands

Karim helped us resolve a commercial dispute. I would highly recommend him. He’s very competent and caring throughout the process. And involved us in the decision making to get a successful outcome. You’re in safe hands.

May

08-12-2023

Best legal platform for all your legal needs

We have used several lawyers over the years Karim has been the best! He is passionate and has genuine intention to help clients get the best outcome. Always available for us whenever we need his help

Yousuf

08-12-2023

Excellent platform

Many thanks for your excellent work on my behalf, I extremely appreciate your help. You were so thorough, persistent, fair and transparent. I shall always say, I had the best possible solicitor to fight my cause. Thank you!

Evgenia

09-12-2023

Excellent legal support and advice

Karim has assisted in commercial ligitation. He was very helpful, pro active support and gave detsiled advice. I will be using their services in the future for all of my legal requirements.

Asim

24-05-2024

Grateful for an amazing DIY legal platform

We are grateful to Karim who helped our small business recover a debt within a few weeks. Very attentive even outside of normal working hours. Thank you so much!!

Gazi

26-01-2024

Impressive and exceptional service

I recently had the pleasure of working with Karim from Go Legal, and I am beyond impressed with the exceptional service I received. From the very first consultation, it was clear that Karim is deeply knowledgeable and genuinely invested in understanding every aspect of my case. His compassion and dedication to his clients are truly unparalleled.

If you’re looking for a legal firm that combines expertise with a personal touch, look no further than Go Legal. Karim and his team are truly a standout in their field, and I wholeheartedly recommend them to anyone in need of legal assistance. Their dedication to their clients’ well-being and their unwavering pursuit of justice make them an invaluable ally in any legal matter.

Raj

09-07-2024

Professional and very friendly legal platform

Karim, is very friendly and professional. We reached out for advice and process for what we believed was a contract breach issue.

Karim demonstrated a great understanding of contract law and provided invaluable guidance every step of the way – from our initial consultation to the resolution of the matter,

They took the time to thoroughly review the details of my case, patiently answered all of my questions, and provided clear and concise explanations of my options.

Thanks to their expertise, the contract breach issue was resolved efficiently and favourably.

I wholeheartedly recommend Karim to anyone in need of legal assistance. Their professionalism, expertise, and genuine care for their clients truly set them apart. If you’re facing a contract breach or any other legal challenge, look no further.

Samantha

15-04-2024

Honestly the best solicitors

Karim and his team are a god send. We have been dealing with a breach of contract construction dispute for several months which has caused us stress and anxiety. Karim was able to resolve it for us in a few weeks. Honestly the best lawyers I have come across. Diligent and well thought out advice.

Dominic

15-04-2024

Excellent all round!!!

Karim Oualnan at handled a contractual case to a successful resolution. Karim was diligent, always providing great, honest advice in which Karim always put my best interests at the forefront of his suggestions during the case. He is very reliable, trustworthy and always on hand to help. I would highly recommend Karim and look forward to working with him again in future.

Derrick

15-01-2024

Karim is a standout lawyer!

Karim is a standout lawyer! His approach is very strategic and always has the best intentions of the client in mind throughout. I would highly recommend him if you’re looking for a lawyer. You’re in safe hands!

Ceren O.

09-01-2024

Karim is an incredibly meticulous and astute lawyer!

Karim is an incredibly meticulous and astute lawyer who applies a high level of skill and intelligence to his work. There is no one else that I can think of who I would go to solve a commercial dispute due to his ability of solve problems and see the commercial angle and importance of legal issues. As is evidenced by his career so far he is very comfortable with leading on complex matters and you can trust that he will produce an excellent quality of work. He is also incredibly personable, diligent and hard-working.

Ross

13-12-2023

Karim was amazing

Karim was amazing, quick and effective just what you need. Very professional and makes it easy for you to understand everything. Always there when we need help and times of need. Worth every single penny!

Ant

09-05-2024

Absolutely super service and platform!

I received follow up legal advice from Karim that was extremely helpful and really helped me to clarify my situation and decide on my case progression

Absolutely super service.

Paul

09-07-2024

Very reactive and called within minutes. Great platform

Very reactive and called within minutes. Offered us lots of great advice which he didn’t need to offer up for free. Would recommend

Sonny

19-02-2024

Highly recommended

I have known Karim for several years and have nothing but praise for the way he conducts himself professionally. He is an outstanding Litigation Solicitor dedicated to achieving the best solutions for his clients. He is highly recommended

Khurshid

04-07-2024

Great Advice!

I recently worked with Karim at GoLegal and couldn’t be more pleased with the service I received. He provided exceptional advice regarding trademarks and offered valuable business insights. His expertise and thoroughness were evident in every interaction. I highly recommend Karim and GoLegal for anyone seeking professional and insightful legal guidance.

Kyle

30-05-2024

Professional, highly recommended

Thank you so much Karim for your Legal advice
Professional, friendly and helpful
I cannot be more grateful

Highly recommended

Angie Jo Fitness

17-01-2024

Legal Advice

It was astounding how much legal knowledge and experience Karim and the team possessed. They gave good legal advice and handled complicated legal matters with ease. Their handling of delicate situations with professionalism was admirable.

Jabel

26-05-2024

Go Legal Ai

Go-legal Ai has very professional and well mannered people who work hard to make sure your enquiries are dealt with as soon as possible.

Mar

20-02-2024

Second to none - Amazing!

Having spoken to multiple solicitors in the past few weeks I was at wit’s end, I was just as low as could be until I found Karim who gave me the confidence to keep going, his knowledge of my predicament was second to none.

James

19-06-2024

Karim gave me valuable advice and was very helpful

Karim gave me valuable advice and was very helpful
when i was unsure weather to pursue a claim for a Construction contractual dispute.

Jon

28-05-2024

Amazing service and experienced staff at Go Legal Ai

Amazing service and experienced staff. Help and advice was top quality and especially recommend Karim as giving a level of quality service above expectations. Thank you

Abdul

04-07-2024

Amazing service

Amazing service! He’s thorough and ensures no detail is overlooked. With his extensive expertise, he provided me with confidence and reassurance during our legal proceedings. Karim was efficient from beginning to end, and his friendly demeanor made it an unparalleled experience!

Zubair

12-05-2024

Karim was able to offer us some great advice

Karim was able to offer us some great advice in consultation. Very knowledgeable and considerate. Thank you Karim.

Sophie R

23-03-2024

Highly recommended lawyers

I highly recommend Karim as a commercial solicitor. While he worked on my matter, I was extremely impressed with his expertise, professionalism, and client-focused approach. He is a trusted advisor who will provide you with the expert legal advice you need to make informed decisions.

Remi

12-12-2023

Amazing in every way

I recently sought legal representation for a challenging litigation case and go-legal exceeded my expectations in every way. From the initial consultation, it was clear they were experienced and truly invested in getting the best outcome for me.

Karim, was particularly exceptional. His profound knowledge of the law and insightful strategies were invaluable throughout the process. He kept me informed, addressed all my concerns with patience and clarity, and consistently demonstrated genuineness.

Another massive thank you

SB

08-01-2024

5 stars!!

Karim and his team have been excellent in helping our company navigate the regulatory environment in the online competitions and gaming sector. His legal expertise has been invaluable in recent months, and we’re extremely grateful for his knowledge and support.

Liam

16-08-2024

Thanks from core of my heart!

I am writing to express my deepest gratitude for the service Ms.Zareen provided in securing the approval of my child’s Dependent visa following the initial refusal.

From the very beginning, her dedication and professionalism were evident. She took the time to thoroughly understand our situation, meticulously reviewed all the documents, and provided clear, concise guidance on the necessary steps to strengthen our case. Her expertise and strategic approach played a vital role in overturning the refusal.

I particularly appreciate how she maintained clear and constant communication, ensuring we were informed and reassured throughout the process ,showed remarkable attention in preparing our documents & displayed genuine compassion and understanding, which made a stressful situation much more manageable.

Thanks for her hard work and expertise.
We are incredibly grateful for the positive outcome.
Her efforts have had a profound impact on our lives, and we cannot thank you enough.
I will wholeheartedly recommend the services to anyone in need of immigration assistance, knowing they will be in the best hands.

Shah

04-08-2024

Thanks from core of my heart!

I am writing to express my deepest gratitude for the service Ms.Zareen provided in securing the approval of my child’s Dependent visa following the initial refusal.

From the very beginning, her dedication and professionalism were evident. She took the time to thoroughly understand our situation, meticulously reviewed all the documents, and provided clear, concise guidance on the necessary steps to strengthen our case. Her expertise and strategic approach played a vital role in overturning the refusal.

I particularly appreciate how she maintained clear and constant communication, ensuring we were informed and reassured throughout the process ,showed remarkable attention in preparing our documents & displayed genuine compassion and understanding, which made a stressful situation much more manageable.

Thanks for her hard work and expertise.
We are incredibly grateful for the positive outcome.
Her efforts have had a profound impact on our lives, and we cannot thank you enough.
I will wholeheartedly recommend the services to anyone in need of immigration assistance, knowing they will be in the best hands.

Shah

04-08-2024

Went above and beyond

Karim was easy to work with. Slight communication hiccup at the start, but more than made up for it with the work he did on my case. Happy with the outcome.

Jake

04-06-2024

Absolutely amazing

Karim has been so so great, he helped me throughout the whole process and even after. 100% recommended

Kd

17-06-2024

Karim has been absolutely amazing

Karim has been absolutely amazing, really helpful and responses were always really fast. I would 100% go back!

Kd

01-03-2024

Exceptional legal expertise and compassionate support

I am extremely pleased with the legal services provided by Karim and his team. Their expertise, professionalism, and prompt communication made a significant difference in my case. I also appreciated your display of empathy and understanding during a potentially stressful period for me. Your compassionate approach was truly valuable – a massive bonus for me personally. Highly recommended!

Justin

09-12-2023

Karim provided exceptional service

Karim provided exceptional service, demonstrating a high level of professionalism and competence. He was thorough, responsive, and always ensured that my needs were met promptly and efficiently. His expertise and attention to detail were evident in every interaction, making the entire process smooth and stress-free. I highly recommend Karim for his outstanding service and dedication to excellence.

TW

01-06-2024

Karim is an immaculate professional

Karim is an immaculate professional, going above and beyond to excel in his service. Couldn’t recommend highly enough!

Aman

11-12-2023

Exceptional service from Go Legal Ai

Karim was exceptional at providing me advice to my matters. He was attentive, knowledgeable and approachable. Moreover, GoLegal is a great platform for open-sourced legal information.

Antonio

30-04-2024

Go Legal Ai helped me a lot!

The owner of Go Legal helped me with the process of filing a pre-action protocol proforma and it went smoothly. I totally recommend their professionalism and also dedication.

Muizz

08-12-2023

Karim is an amazing asset to have in your corner

Karim is an amazing asset to have in your corner. Can’t recommend him and his team enough

Thomas

03-06-2024

Karim was extremely helpful and knowledgeable!

Karim was extremely helpful and knowledgeable.
Gave me sound advice on what I needed to do.

Steve

19-01-2024

Very helpful and informative

Very helpful and informative. Takes the time to address the details

Gotch

19-07-2024

Very helpful and friendly platform...

Very helpful and friendly impartial advice. Extremely thankful for the patience and time.

Louis

31-01-2024

Karim had exceptional dedication

Karim had exceptional dedication, a positive attitude and provided very helpful guidance. He constantly went above and beyond in every aspect.

Andre

08-12-2023

Great advice from the start

Great advice from the start, completely understanding & happy to discuss anything that your unsure about concerning

Robert

16-01-2024

Fantastic service given and a lot of help

Fantastic Service given and alot of help regarding ex business partner/supplier giving harassment and defamation. A cease and desist letter was recommended to resolve the issues. Definitely recommended.

Nick

17-06-2024

Exceptional platform and service throughout!

Exceptional service throughout the whole process. The information and advice provided was first class and exceeded my expectations.

Gavin

17-06-2024

I am delighted to share my heartfelt gratitude!

I am delighted to share my heartfelt gratitude and utmost appreciation for Zareen, the immigration consultant who expertly guided us through the British naturalisation process for my wife and two kids. From start to finish, Zareen’s exceptional service and unwavering confidence made an enormous difference in our journey.

Zareen’s expertise and professionalism were evident from our very first meeting. She thoroughly understood the complexities of our case and approached each challenge with a calm and positive demeanor. Her extensive knowledge of the naturalisation process and her ability to anticipate and address potential issues reassured us every step of the way.

What truly set Zareen apart was her constant communication and feedback. She kept us informed about the progress of our application, providing timely updates and constructive insights that helped us stay on track. Her positive attitude and encouraging words were a source of comfort, especially during moments of uncertainty.

Zareen’s dedication and meticulous attention to detail ensured that all our documentation was accurate and complete. Her proactive approach in preparing and submitting our application demonstrated her commitment to achieving the best possible outcome for our family.

Thanks to Zareen’s exceptional guidance, we successfully obtained British naturalisation for my wife and two kids. Her professionalism, confidence, and unwavering support made an otherwise daunting process smooth and stress-free. I wholeheartedly recommend Zareen to anyone seeking an immigration consultant who genuinely cares about her clients and delivers outstanding results.

Thank you, Zareen, for your outstanding service and for helping our family achieve this significant milestone. We are forever grateful for your expertise and support.

Aziz

09-07-2024

Professional and reliable

Karim is knowledgeable and very attentive in all details ensuring the process goes smoothly and transparent, Also very professional and reliable, throughout the process making it easier and more prompt, I definitely recommend it 🌟🌟🌟🌟🌟🌟

Rosana

17-05-2024

Excellent to have warm personable help!

Excellent to have warm personable assistance

Clare

16-10-2024

Thank you for the help!

Would highly recommend for drafting any contractual documents. Stand out firm

Ash

08-12-2023

Exceptional!!

Called in for information regarding my dissertation on civil law and was kindly provided with very useful information.

Ella

05-05-2024

Thank you Go Legal Ai!

Since I was in need of a lawyer, Karim was my go to. He was really listening to me and I felt heard. Thanks for your help

S D

02-03-2024

Great Platform!

karim gave me a call back and gave me advice on what I should do. Thank you

A Khan

12-03-2024

Very helpful!

Very helpful! Thanks Karim

MJ

26-06-2024

Free Consultation!

He listened and provided very good advise

Sola

04-07-2024

Recovered money for dispute

Great platform. Thank you Go Legal Ai

Maria

08-08-2024

Very caring and professional company

Very caring and professional company…

LJohn

12-05-2024

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