Think Carefully about Fixtures and Fittings

Although we blogged on this fairly recently, it seems to be a subject that is generating quite a few questions at the moment.  So we’ve decided to re-visit it.

Do please remember though that we are not solicitors and your individual unique situation may require specific legal advice.

Fixtures and fittings

Let’s assume you are moving out of the house you owned and have just sold.

As a general legal principle, you cannot remove things that your contract of sale will have categorised as being “fixtures and fittings”.  In other words, if the buyers saw something as part of the property’s structure when they came to visit it during their buying activities, you can’t unilaterally remove it when you move out.

There may be some exceptions to that, provided they are clearly noted in the contractual agreements and the buyers have agreed the removal in advance.

Unfortunately, just what constitutes a “fixture” is sometimes open to interpretation and it can occasionally lead to legal disputes.

For more details, please visit - https://www.christchurchremovals.co.nz/think-carefully-about-fixtures-and-fittings/

Anti-Phishing Advice

We don’t pretend to be experts in information technology as well as furniture removals! Christchurch removals is where we excel.

We also have no reason to believe that anyone has ever tried to deceive anyone else by pretending they were Christchurch Removals online.  Even so, we’d like to publish here are a few very basic thoughts about how you can protect yourself from one of the commonest online scams, that involving “phishing”.

Phishing

This is a generic term given to a range of potential online frauds.

They typically involve someone, somewhere, pretending to be someone else.  That usually means they’ll pretend to be a company or institution you already do business with and communicate with you via email using that false identity.

A common approach is to send you an e-mail that may have all the appearances of coming from someone you have legitimate contact with. That e-mail invites you to follow a link to logon and check something relating to your business with them.

In reality, if you follow that link, you will be taken to a bogus site where you may accidentally disclose private information such as your id and password. Read more about......Anti-Phishing Advice.

A Quick Word on Antiques

Although we’ve mentioned the subject of antiques once before, that was some time ago so we thought we’d offer a quick reminder.

If you are involved in a house removal, we will gladly offer special services for any item you may think of as being of high sentimental or indeed financial value.  Antique items which may have been handed down through the family or more recently acquired, may often come in that category.

There are a few points worth making about such objects when they are relocated.

Firstly, it’s worth remembering that you should probably ensure that you have special contents insurance cover for items defined as being “high value antiques”.  Specifically, it would be essential to make sure that your policy covers such items when they are in transit, such as when you are moving home.

The second point that we would like to draw to your attention is that any items that are of high value, including antiques, should be brought to our attention.  That is both from a practical viewpoint in terms of us making sure they are packed and protected appropriately but also since there may be insurance issues such as maximum cover levels for any individual item. Read more about..........A Quick Word on Antiques.

Make Space During your Office Relocation Through Off-site Storage

Even in the second decade of the 21st century, moving companies, Christchurch and elsewhere, still occasionally involves having to move substantial numbers of old filing cabinets and paper document storage units.

Of course, in some circumstances paperwork is still required.  That’s often the case in terms of signed contracts and some legal proceedings.  There are also still paper documents that people use on a daily basis because not everyone has yet moved over to fully (e.g.) electronic invoicing and payment systems etc.

Another variation on that theme relates to statutory requirements for keeping records for a specified number of years.  For example some insurance policies that may have been signed 30 or 40 years ago, may have long since been digitised but the original master signatures often need to be retained.

However when you are looking at your new office floor plan and see that significant chunks of it are being occupied by historic filing that you rarely, if ever, access then it might be time to do something about it.

For more details, please visit - https://www.christchurchremovals.co.nz/make-space-during-office-relocation-through-offsite-storage/

FAQs - Document Imaging Systems

Here are the answers to some frequently asked questions on the subject of document imaging systems.

Why can't I simply digitise all my paperwork and then throw it away?

In very many situations, there is probably nothing to stop you doing so.

It's important to recognise that this is not a technology issue. The systems to provide a paperless office have arguably been around since the 1970s. There are though, a number of problems that have held companies back over many decades:

•  the cost of the technology. Even today, sophisticated document imaging systems can't be described as being exactly "low-cost", though the cost in real terms has tumbled over the past 30 years;
•  incompatibilities between different systems;
• in certain circumstances there are still some legal inhibitors. There are, for example, some legal requirements to maintain certain types of original documents with their original signatures. That doesn't mean they can't be scanned and added to the system though, it just means that you can't easily throw them away. There can also be some data protection issues relating to where the document images are stored - for example, it might all "look" local to you but perhaps personnel documents are being stored overseas when using things such as the web. That can be a legal jurisdictional issue in some cases;

For more details, please visit - http://ezinearticles.com/?FAQs---Document-Imaging-Systems&id=9889945

Office Removals – Top “Don’t Do” Tips

We are experts in business relocation, Christchurch and elsewhere in New Zealand.

As a result of that, we have gained extensive experience of many particular forms of commercial moves and particularly office removals.

That’s why we’d like to share some of our top tips for things that are well worth avoiding if you are hoping to achieve that smooth and trauma-free office relocation.

Don’t:

1.  leave your planning until the last moment. It almost invariably causes serious difficulties in   terms of “making things happen” efficiently;
2.  ask your colleagues to provide the manual labour required for packing and shifting cartons or   machinery. It’s almost certainly against the terms and conditions of your business insurance;
3.  assume that your delivery vehicle will be able to find a parking space that’s convenient,   through   good  luck on the day itself. Make arrangements in advance to be sure that the   vehicle can be parked   close to your premises;

For more details, please visit - https://www.christchurchremovals.co.nz/office-removals-top-dont-do-tips/

Can I get a Home Removals Loan? FAQs.

Here are the answers to some commonly-asked questions about loans for the costs of home removals.

Are there loans for home removals services?

Yes.

You may be able to obtain one from your bank, although banks aren’t quite as free-thinking with their lending as they once were.

Alternatively, some professional removals companies, Christchurch or elsewhere, may be able to offer such assistance too.

Am I guaranteed a loan?

No.

No lender anywhere will guarantee to offer a loan in advance. They always make their publicity “subject to status”. What that means is that they’ll want to look at your income and credit history before deciding whether or not to advance a loan.

This is perfectly normal practice and you’re not being singled out. If you think about it, would you lend money to a stranger if you knew nothing about them, their reason for asking for the money and whether or not you’d stand a fair chance of getting it back?

Can I get a loan if I have a poor credit history?

Very possibly yes.

It depends upon the exact nature and severity of your credit history difficulties in the past.  It’s been estimated that about 80% of us have some minor blemish on our credit history files (e.g. an accidentally overlooked credit card repayment one month) and typically, lenders see those as nothing.

Some problems can be far more severe including being sued for loan defaults and so on.

If you have some moderate problems on your files, they won’t be a showstopper, though the lenders may increase their interest rate a little to reflect the extra risk they’re taking.

Why do lenders ask for receipts?

If you’re getting your finance through a removals company, that probably won’t be needed. The lenders might typically send the agreed sum directly to the removals company.

If you’re applying to other sources, the lenders may (though not always) wish to see evidence of the quotation in order to check that it’s reasonable. They might also ask to settle the sum directly themselves. In other cases, they may issue the loan to you but ask you to show evidence that you’ve used it for the purposes intended.

This is all normal and should not be cause for concern. It’s largely to do with the lenders either trying to reduce the risks of payment default due to you spending the money on other things (e.g. gambling) or to avoid loan fraud.

How do I know that I’m getting a fair interest rate?

Only by shopping around and doing some online research.

How long can I borrow the money for?

That’s a matter for you and the lender to discuss.

Most lenders will accept repayment over a few years if the sums are larger. Do remember though that the longer the repayment period, the more the loan will typically cost you in interest payments over time.

Could I pay for removals services by credit card?

Yes, assuming that the company concerned accepts them.

It’s worth keeping in mind that borrowing money on credit card is typically one of the most expensive ways to use what is in effect a loan (assuming you don’t repay the loan in one go before the month end or pay it off very quickly). 

Compare it to the costs of a purpose-specific loan from another company.

Article source: http://ezinearticles.com/?Can-I-Get-a-Home-Removals-Loan?-FAQs&id=9808014