Call now: 0208 866 6464
Existing clients tel: 0208 866 6464

The Sethi Partnership Solicitors

The Barn House, 38 Meadow Way,
Eastcote, Ruislip, Middlesex
England, HA4 8TB

Call now: 0208 866 6464
Existing clients tel: 0208 866 6464

The Sethi Partnership Solicitors

The Barn House, 38 Meadow Way,
Eastcote, Ruislip, Middlesex
England, HA4 8TB

Independent Legal Advice (ILA)


Independent Legal Advice means impartial advice provided by an independent solicitor. The whole idea behind independent legal advice is to protect you from signing any document before you understand the risks of the transaction.  Your independent advisor will have to sign a certificate confirming that they provided you with the relevant advice and that you signed the document in front of them without any signs that you were being forced into it.

Independent Legal Advice is commonly required in the following circumstances: 

  • Director’s Personal Guarantees (on Corporate loans and mortgages)
  • Personal Guarantees (where an individual guarantees repayment of a loan made to someone else)
  • 3rd Party Legal Mortgages (where the Borrower is not the same person as the person offering the lender security)
  • Occupier’s Consent to a Mortgage
  • Transfers of Equity

Furthermore, whilst this type of independent legal advice is normally a bank requirement, please do not underestimate the real need for this advice – it’s not a formality, nor just witnessing a signature. The House of Lords in Etridge has made clarification to the law on undue influence. To avoid the risk of being sued by a Guarantor/Surety because of undue influence can only be deflected by providing ILA to that person. Therefore, the Mortgage Lenders requires the Guarantor/Surety in a mortgage/loan to obtain ILA before the Guarantee/Surety is given.

The underlying principle is to ensure that the guarantor/surety clearly understands the transaction.  Misbha Ali, a qualified Solicitor will meet with you in person, in the absence of the borrower, and discuss the following:

  • The nature of the documents, and the financial risk you face if the borrower’s business fails, including the possibility of bankruptcy;
  • The seriousness of the risks involved – with reference to the purpose, amount and terms of the new facility and whether you understand that other assets may be at risk to cover repayment if the business fails;
  • The fact that the lender may alter the terms of the loan including increasing the amount borrowed without reference to you; 
  • Discussing whether you wish us to negotiate with the bank on the terms of the transaction (e.g. limitation on the amount borrowed);
  • Explaining that you do have a choice on whether to sign the documentation.
  • The proposed transaction will be explained in simple and non-technical language. 

Our simple and transparent fixed fee charges are proportionate to the amount of time involved in advising you, and to the size of the loan. Our charges are as follows:

  • Basic Fee – £450 plus VAT each
  • Larger Loans/Agreements – £750.00 plus VAT

Contact our Independent Legal Advice solicitors in Ruislip, Middlesex.

To discuss your ILA, please contact 0208 866 6464 or complete our enquiry form.

Coronavirus COVID19 

In light of the Coronavirus and in an effort to assist our clients and the economy, we are offering reduced rates on our fees* in some areas of work valid for the month of April.

We are open for Business as Usual with mindful protection. 

Our lawyers are still fully able and equipped  to assist existing clients and new clients by telephone, email, facetime and online meetings. We are not encouraging face to face appointments but we do have an outside office that can be utilised for signatures etc. whilst keeping in line with social distancing.

Existing Clients
As our legal team are following government advice and working from home, if you need to contact them please call the office or email them directly. All our contact details can be found on our website at ‘Our Team’.

New Clients
At this time we encourage all of our prospective clients to contact us via telephone, e-mail or our online new client enquiry on our website. Your matter will be received by our legal team and they will call or email you back as soon as possible.

If any of our Local Eastcote Residents are alone, struggling or self- isolating and in need of any supplies/food/medicines/ please get in touch with us on 0208 866 6464 or email This email address is being protected from spambots. You need JavaScript enabled to view it..

*Reduced rates include: preparation of Wills, initial 1 hour fixed fee for Employment matters, Landlord &Tenant matters, Conveyancing matters for first time buyers and key workers.

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