Parminder Bains

Parminder Bains

Aria Grace
5
Parminder is a financial services lawyer with over 28 years professional experience working on a broad range of derivatives ranging from hedging for structured financing to hedges for pension mortality risk; he has also advised on regulatory issues such as the mis-selling of derivatives to SME’s and the transition to Risk-Free Rates. He has worked for legal departments of investment banks such as Credit Suisse, HSBC, Barclays and RBS. Parminder is entrepreneurial and has created a number of start-up businesses and enjoys finding solutions to problems. Parminder is an English qualified lawyer.
Solicitor
28 Yrs Experience
Insured
Name(Required)

Services

Unpaid/Late Payments Guidance and Practical Steps

If you have overdue invoices (terms exceeding more than 30 days) from your clients or other businesses be aware of your options earlier in the process before your debtor’s credit quality deteriorates even further or before your debtor start disputing your claim by attempting to raise counterclaims.

This will naturally increase your level of anxiety, may affect your relationship with a defaulted debtor or other of your businesses or suppliers in your supply and distribution chain.

Understanding your options will help to prevent further deterioration of business and contractual relationship, will give you peace of mind and help you to communicate with your debtors in the most pragmatic, commercial and amicable manner within an agreed legal and contractual framework.

We can guide you to make the right choices to ensure that you have the best chance of recovering the debt, interest, damages, assist with refunds or payments of costs and expenses that you are owed, without appearing unethical, unprofessional or uncommercial.

Assumptions this service is based upon:

  • This service is offered on the basis that your unpaid invoice was raised for the supply of legitimate goods or services under the business terms and conditions or other contracts (whether written or verbal) in effect at the time of delivery, supply, distribution or provisions of your services.
  • If the issues are more complex (e.g. in addition to terms and conditions, you have other related contracts or counterclaims) or relate to more than one debtor, we will need to review instructions and the price.

£833.00 +VAT

Business Terms and Conditions

Business Terms and Conditions – limit your liability and protect your business

Does your T&Cs document contain all the relevant clauses to limit your liability? Are you protected in the following scenarios:

(a) any loss of profits, sales, business, or revenue; or

(b) loss or corruption of data, information or software; or

(c) loss of business opportunity

Keep your business safe and get all your bases covered with our T&Cs service.

Assumptions this service is based upon:

  • You are based in England or Wales
  • You understand that the proposed price excludes VAT

£750.00 +VAT

Limited Company or Partnership Problems

Are you unsure what the ownership structure of your business actually means in terms of your rights in the business? Are you having problems with your business partner? Let a legal expert answer all your questions and provide a clear perspective for a fixed fee.

£750.00 +VAT

Loan Markets Association (LMA) and transition to Risk Free Rates

The Loan Markets Association has provided updated templates for the transition of LMA style agreements from LIBOR to Risk free rates, these are available to borrowers across Europe, the Middle East, and Africa. However, do you understand the intricacies of Risk Free Rates and the consequences for your loan?

£750.00 +VAT

ISDA Master Agreements Review

An ISDA Master Agreement is the standard document regularly used to govern over-the-counter derivatives transactions.

What are your termination rights when something goes wrong? Do you need Additional Termination Events? Get all the answers at a fixed fee from an experienced lawyer.

£500.00 +VAT

Supply of Goods and Services Dispute

Have you purchased goods or a service, which didn’t meet your expectations and wasn’t quite the same as described? You try to retrieve some or all of the amount you paid but the seller isn’t responding or has told you he isn’t going to refund your money.

You are not alone, many businesses have faced a similar situation, don’t despair we can help you reach a satisfactory outcome. The first step is to seek professional advice and have a trusted solicitor review your case and advise on an appropriate course of action.

£300.00 +VAT

Supply of Goods and Services Dispute Advice and Third-Party Negotiation

Have you purchased goods or a business service, which didn’t meet your expectations and wasn’t quite the same as described? You try to retrieve some or all of the amount you paid but the seller isn’t responding or has told you he is not going to refund your money.

You are not alone, many businesses have faced a similar situation, don’t despair we can help you reach a satisfactory outcome. The first step is to seek professional advice and have a trusted solicitor review your case and advise on an appropriate course of action.

£600.00 +VAT

Independent Legal Advice Certificate

If you have been asked to obtain an Independent Legal Advice Certificate by your mortgage provider or lender, we can give you the relevant advice and the certificate. Most lenders will usually ask you to take independent legal advice when taking a mortgage or providing a personal guarantee. Once we have given you the appropriate legal advice we can provide you with a signed certificate of independent legal advice.

Equity Release

Transfer of Equity

Joint borrower sole proprietor mortgages (two borrowers, but the property will be in only one of the names)

Occupier’s Consent to Mortgage

Director’s Personal Guarantees

Employment Settlement Agreements

£120.00 +VAT

Seed & Series A Round financing

We will help you draft all the key legal documents below and explain all of the key issues you might face as a founder or investor when looking at Seed or Series A Financing.

Documents Include:

Term Sheet.
Shareholders Agreement.
Articles of Association.
Disclosure Letter.
Previous Investor Consent.
Preemption Notice.
Board Resolution.
Shareholders Resolution.

£8,500.00 +VAT

Consultation with a Commercial Lawyer

Commercial issues crop up all the time in business. Our lawyers can give you
a steer on the problem you’re facing, so that you can understand the legal
aspects and make an informed decision on your next steps.
Our lawyers can help you with commercial matters and agreements relating to:

  • Confidentiality
  • Distribution
  • Franchising
  • Outsourcing
  • Advertising and marketing
  • Terms and Conditions
  • Consumer Rights Act 2015
  • Sale of goods
  • Supply of services
  • Procurement
  • Product liability and safety
  • International trade
  • E-commerce

Speak to one of our experienced commercial lawyers to get clarity on your commercial matter.

£300.00 +VAT

What my clients have said

Very Approchable Lawyer, The service was swift, professional, and great.

Rated 5 out of 5
11 April 2022

The service was swift, professional, and great.
A very knowledgeable lawyer and very approachable.
Highly recommended

Leave a review

Aria Grace
The Aria Grace Law Model is not Capitalist, it is also not Socialist. It is Humanist. We have created a model based on sharing and values which treats our clients, lawyers and society as one ecosystem

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