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Tuesday, November 13, 2012

Strategies Used In Criminal Defense That Will Set You On A Winning Path

By Merry Rienstra


The kinds of strategies used in criminal defense in any court room revolve around mental aptness and the use of words to derive a consistence theory on which the lawyer will base his or her defense for the client. Criminal cases tend to be tricky, depending on the nature of the accusations; hence, strategies of criminal defense will vary. Sure, one criminal defense strategy could work in one criminal case, possibly even two. However, do not immediately conclude that this strategy would work for just about every criminal case you are handling.

Top most strategy lies in the speaking the truth, meaning the client has to tell the attorney the truth of the facts of the case. Now, you can say that the truth can have many versions, and the attorney and client will work around that. Take a murder case, for example. It could have been done out of self-defense or because the client was provoked into doing it. These truths can be very useful when the attorney and the client are working out how to come up with a defense that could help him get an acquittal.

It is safe to say that there are three elements to the truth that the client should stick to as the case progresses. In the event that the client confesses about doing the deed, the reasons that led to the murder or the crime will be reviewed and evaluated by the lawyer. On the other hand, a denial by the client would make the lawyer look into supporting evidence that the client is, indeed, innocent of the crime. The third element would have the client admitting at least that he saw the crime take place and he was there on a partial capacity. Despite that, he denies having been involved in the crime being dealt with. These three variations would have to be attested to by the clients, and from there, the lawyer will draw up a theoretical framework for the defense.

Next, the lawyer will then proceed to compare the facts as presented by the client to the facts as stated in the police reports. Here, the lawyer is likely to spot loopholes or inconsistencies with the chain of events. He may also even spot parts where the prosecution would be weak and he could use it to strengthen his defense. The lawyer, who has the actual facts in his possession, will be able to draw up a consistent and strong defense that he can use to have his client walk free. Using this truth, the prosecutor's claims will be discredited. Often, the prosecution's claims or words could even be used against them, allowing the defense a positive turnaround.

Here is another strategy: let the accused know all there is to know about the defense. In this strategy, some truth-bending would have to be done. Therefore, it is important that the client be coached to never lie about anything that could work negatively for the defense. The attorney will coach his or her client on what they to expect and what to say while on the stand. Interview techniques and cross examinations are common, whereby the attorney ask some of the hard question that the prosecution will probably ask the accused while on the stand. As far as solid criminal defense goes, having a consistent and credible story is very important. You will be able to establish consistency if you do these practices.




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Monday, November 12, 2012

How Do I Claim Back PPI?

By Richard Paul


Have you noticed a strange charge on your loan with the bank? Maybe you never noticed it before but someone else did. Maybe your bank told you about it but you never realized that it was unnecessary. The PPI charge on your bank loan is actually just a superfluous charge that your bank is tacking on to your loan. It's not something that you need at all. Maybe you've realized that or maybe you didn't even know. But it's important that you know you can claim back PPI that you've paid in to the bank. And it's easy to do.

To start with you should do to claim back PPI is visit the bank. Chances are that they won't help you but it must be a starting point regardless. Ensure you talk to somebody responsible and speak with them about these charges. Make sure that you tell them you know you don't need that insurance plan in your loan. Make sure they know that you're informed and you expect your refund. When they refuse to assist you then it is time to take the next thing.

Calling an attorney is the second step you want to do. A lawyer will help you claim back PPI quickly and easily. Banks know that they have to listen when lawyer's start contacting. They already know an attorney is a serious person and is not going to listen to their reasons. That means they will begin cooperating much better. That does not mean they will give you a reimbursement just as that. You may still have to take them to court to obtain the funds.

If your bank still won't give you the money that they owe you when your lawyer calls then you want to file a suit. Filing a suit will help you claim back PPI because your bank will either have to make a settlement or risk going to court where a judge will force them to give back the money and possibly even more than they actually owe. At this point most banks will try to get you to take a portion of your money back in exchange for not going to court. It's your choice whether you take this settlement or take the case on to a courtroom.

If you've recently obtained a loan from the bank then chances are you are paying for PPI. The charge is itemized on your loan payment and when you look you'll probably find it. What you might not have known is that you don't require that insurance plan. Your loan is secure and PPI is simply a method that banks are trying to earn money out of unsuspecting clients. If you are one of them then it's time you claim back PPI that you have paid in. So talk to your bank and try to reach an agreement but if they won't help you and they will not aid you then it is time to get a lawyer to fight for you.




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Additional Significant Details on Credit Card Insurance

By Will Greening


All of us can never know what their financial condition will be in the years or even months to come. Since we may never know what will happen to us, we should always look at the worst possible scenario and do some necessary work around to deal with it. Consider this, what if you are the bread winner of your family and you become jobless or incapable to work due to certain injuries and disabilities, how will you provide for your family? You can't right? This is why you should take the necessary precautions the earliest possible time such as the credit card protection insurance.

Do not be victims of chance. As early as you get to be regularized from your job it is just right for you to get your own credit card protection insurance. The credit card protection insurance is an aspect of the payment protection insurance which provides you with the financial security in the event that you experience an accident or any form of serious illness, unemployment, death, and other situations which may impair you from attending to your responsibilities at work.

Being a type of payment protection insurance, the credit card payment protection insurance helps you deal your regular repayments if you do not have the right amount of income to deal with these types of financial obligations. Regarding this type of insurance, you must first need to sustain having a regular average balance which may range from 1000 and up to 5000. Once you satisfy this requirement, you will now have the opportunity to receive around 10% of your estimated regular monthly mortgage balance within the course of your insurance period.

In taking out credit card insurance, you must be reminded of the eligibility criteria of the qualifications for you to be able to purchase this type of cover. Some common qualifications to acquire credit card insurance are noted below: (1) Are you a working individual who lives and works in the United Kingdom? Do you work for around 4 hours in a day for 5 days in a week or an average of not less than 16 hours every week? (2) Is your age within the bracket of 18 years up to 65 years old or whatever is the designated retirement bracket in your area? (Remember that the retirement age bracket may usually change depending on your gender. (3) Are you an employed individual who have been working for the past 6 months while also working for same amount of time previously mentioned?

If you answered yes to all of the questions above then you may be eligible to acquire this type of insurance.

Lastly, it may also be important that you are physically fit at the time you are applying for this type of cover and that you do not have any pre-existing medical conditions. If you do not meet these criteria, you might not be qualified to claim for your insurance benefits.




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