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Pranav Bhanot

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So the big day has come and gone, honeymoon is over and normality has kicked in. But – when are the wedding photos going to arrive? Before entering into a photography or videography contract, it is strong advisable that you check to see how long after your big day the photos and/or videos will be ready. An effective contract will make reference to the delivery date of the photographs. Photos and videos can take up to 1 – 6 months to be ready particularly where the photographer/videographer has a busy schedule and little time to edit.   There may also be an option for you to view your photos and suggest edits to be made before the completed version is ready.

If the contract does not state how long it will take for the editing service to be completed, the general rule is that according to the Consumer Rights Act 2015, a service is to be performed within a “reasonable time”. What constitutes is a reasonable time is a question of fact. Opinions of other photographers and videographers may assist in this regard.

To ensure you get your photos and videos on time, the following tips may assist:

  1. Check the contract to see if there is mention of when the photo/video will be ready. If this is not stated in the contract, ask your photographer/videographer before confirming a booking.
  1. Following your wedding day, create diary reminders to periodically contact your photographer/videographer to monitor the progress of the editing of your pictures/videos.
  1. Where the photographer/videographer fails to deliver according to the timetable in their contract, there may well be a potential breach of contract claim against them. In the first instance you are advised to send a letter of complaint and failing a satisfactory response consider contacting a lawyer.

Should you require any further information contact: info@theweddinglawyer.co.uk

Every couple wants their wedding day to go as smoothly as possible. However, wedding suppliers are businesses and like all businesses run the risk of going bust.

What can you do?

Step 1 – Contact details of the insolvency practitioner

Get in touch with your point of contact at the wedding supplier to understand the latest position and whether there is a risk of the company being salvaged.

Check to see if the insolvency has started.

If not, ask your point of contact to provide you with details about the receiver or insolvency practitioner dealing with the matter.

Where the supplier is a limited company – the above information maybe listed on Companies House https://www.gov.uk/government/organisations/companies-house

Where the supplier is a partnership or sole trader, this information maybe published in the insolvency section of the local newspaper or by checking the Individual Insolvency Register.

Step 2 – Submit Your Claim

Once you have the details of the receiver or insolvency company, write to them to register your claim, explaining:

  1. How much money you are owed
  2. Proof that you have paid the supplier the amount (a receipt or bank statement should be sufficient)
  3. What the money was for

It is important to remember that even if you submit a claim, there is no guarantee you will get the money back. After all there is a good chance that the supplier will have many debts that need paying off. Nevertheless, it is always worth putting in the claim as this could result in a percentage of your money being returned.

Step 3 – Claim from your credit card company

If the supplier goes bust and you have paid your supplier using a credit card , it may be possible to contact your credit card issuer for a refund on the amount you spent with the supplier. This is set out in Section 75 of the Consumer Credit Act and the credit card company can assist you with losses you have sustained between £100 and £30,000.

Step 4 – What if you have not paid using a credit card?

If you have paid using a debit card you maybe able to claim through the MasterCard and Visa Chargeback scheme provided it hasn’t been more than 120 days since paying on your debit card and making your claim.

Finally, if you have taken out wedding insurance, this may well assist in recovering any funds that have been lost.

For any further information contact info@theweddinglawyer.co.uk

Step 1

Immediately arrange a meeting with the venue manager:

  • Aim to set up a meeting with the venue manager within 24 hours of learning that your wedding venue has cancelled on you.
  • This will allow you to understand the circumstances surrounding your cancellation.
  • Where possible, take a copy of the contract with you to the meeting.
  • Take a note of everything discussed at the meeting.

Step 2

Ascertain whether the venue manager can provide you with an alternative similar venue or whether he has a contact that can assist:

  • Time is of the essence if a wedding venue cancels – therefore, it is worth exploring whether the venue manager has contacts in the industry that can assist you. This is a far quicker option at this stage than frantically ringing around to find an available venue.

Step 3

Start searching for another venue as soon as possible:

  • In the event of the venue manager not being able to assist you, start the search yourself. Ideally within 24-48 hours of the meeting  with the venue manager.
  • If your wedding cards have gone into print – immediately inform the designers and printers to stop press.
  • Contact any wedding suppliers you have already engaged to see if they can assist you. They quite often have been to a number of wedding venues.

Step 4

Request a refund from the management of the cancelled wedding venue:

  • You are entitled to a refund of any monies paid.
  • You can also claim compensation for the cost difference of booking a new venue at the last minute. Further, you may be able to claim any consequential losses that have resulted due to the venue cancelling on you – for example the cost to reprint new wedding cards or if your suppliers will charge an additional fee to travel to the new venue.

Step 5

In the event that the cancelled wedding venue management fails to  cooperate with you, contact The Wedding Lawyer for guidance as to how to proceed info@theweddinglawyer.co.uk

Wedding Preparations. Emotions run high. Expectations are not met. This is the perfect setting for an Eastenders episode. However, in binding two lovebirds in matrimony, it is important that other relationships remain as intact as possible. Yes, weddings can bring people together but on numerous occasions they have split people apart. Therefore, we have set out our 10 habits to prevent arguments between family and friends.

  1. It is not what you say, but how you say it.

Whilst you may not like some of the wedding ideas and suggestions by family or friends remember to control your reaction  when you are not agreement. Remember it is not what you say but the manner, tone and the words you use to communicate it.

  1. Form a committee of advisors

Any large project can benefit from a small team of advisors to assist you and your partner to sanity check ideas and plans for your big day. It is worth informally recruiting 2 or 3 trusted friends or colleagues (ideally not family) to act as a soundboard and to provide feedback on any plans/ideas you may have.

  1. List your nearest and dearest and allocate them a responsibility

Family and friends may have huge expectations when someone close to them gets married. Therefore, it is important to manage expectations as best as possible. Start off by creating a list of all the people who are close or who may communicate discontent if they are not involved on your wedding day. Then simply allocate these people with a responsibility before or on the big day. It doesn’t have to be a major role – it could be as simple as allowing them to be an usher. The aim is to make the important people feel included and enrolled on your big day.

  1. Address the elephant in the room

If you find that you have had a dispute or disagreement with a family member or friend about your wedding prep, do not ignore it. Also, avoid the silent treatment. When preparing for a wedding, every day counts and you simply cannot afford to waste planning days due to a disagreement. Aim to get to the centre of the issue as quickly as possible and find a way to resolve it.

  1. Couples come first

As you are the couple getting married, your wishes and desires must prevail over any pressures you may get from family and friends to do something in a certain way. Aim to gain clarity with your partner on how you would like to proceed with your wedding plans before taking on family members who may disagree with you. By being on “the same page” as your partner will give you the conviction and strength to stand your ground.

  1. Take regular breaks from Wedding Admin

Weddings are important but do not let them take over your life. Take breaks from planning and allow yourself to focus on our aspects of your life too. All too often, disagreements are a result of overworked and tired minds that are fixated on certain ideas associated with the big day.

  1. Create rules about guest lists from the outset

A ridiculous number of disputes arise from negotiating with family members about guest lists. From the outset, work out the maximum number of people you are looking to invite followed by setting rules about who makes the cut. Examples may include: not inviting anyone who hasn’t ever spoken to the couple, no long lost aunts and uncles or no work colleagues. By creating rules, this allows everyone to be on an equal footing. An alternative method is to provide each family member with an allocated number of guests they can invite. They are then free to invite anyone as long as they come within the allocation.

  1. Retreat from tradition and be creative

We are living in the 21st century. Your family may place pressure on you to adopt traditions and rituals. These are great but if they are likely to cause the couple to be unhappy, it is worth substituting tradition for a more modern and creative approach. E.g. putting the names of all the parents on an invitation card or forgoing a particular aspect of the traditional ceremony. Remember, a couple should be united on their approach if they decide to depart from a tradition or ritual as it is likely to be greeted with some protest from a family member.

  1. Have a leader to make the final decisions 

In the event of dispute or conflict, there needs to be a bold leader who will make the final decision in order to progress the wedding planning. This may well be the couple or a wedding planner but there needs to be someone who makes the difficult decisions to ensure disputes to not drag on.

  1. Finally, if all else fails consider getting married abroad!

It is fascinating how much simpler it can become when you decide to get married abroad. You can invite more people (knowing many will probably not attend) and a lot of your work could be outsourced to wedding planners in your host country meaning you are free to enjoy the wedding festivities leading up to the big day.

We all love a good fairy tale wedding but what if the wedding day doesn’t always end up being the fairy tale you deserve. Should you consider taking out wedding insurance?

What is wedding insurance?

Just like other insurance policies, wedding insurance covers you financially if something ruins your big day or if it has to be cancelled or delayed. It is particularly useful where you have paid a number of deposits and then realise your big day cannot go ahead.

What to consider before taking out wedding insurance?

  1. What is your wedding expenditure?

Where you have spent in the region of £100 – £30,000 using your credit card, thanks to Section 75 of the Consumer Credit Act, you should be able to claim your money back from your credit card provider. This applies to instances where a deposit has been paid.

If you have not used a credit card or spent above this amount, it maybe worth obtaining added protection by way of wedding insurance.

  1. Does your home insurance policy have provision for weddings?

Before taking out wedding insurance, check your home insurance policy, which may make provision for weddings.

  1. Are there any risk factors that could indicate the need for wedding insurance?

Weddings often get cancelled due to the death or hospitalisation of close relatives. Therefore, if you have any vulnerable relatives who could impact the progress of the wedding day if they fall ill, it may be a sensible idea to carry out a wedding insurance.

However, it is important to remember that you cannot cover a situation that you already knew about.

What is and isn’t covered in wedding insurance?

Insurance policies may differ in terms of what they do and don’t cover. However, typically they will cover:

  • Cancellation or rearrangement of a wedding or reception due to illness, accident or bereavement of a member of the main wedding party.
  • A supplier going out of business
  • Loss or damage due to accident, fire or theft to the ceremonial attire, wedding rings, outfits, gifts, flowers, wedding car and wedding stationary
  • The price to retake photographs and video
  • Legal expense
  • Personal liability

The following is usually not covered:

  • Any loss, damage, liability, cost or expense of any kind arising from an event occurring before the period of insurance or caused deliberately by your close relatives or a member of the wedding party.
  • Any loss, damage, liability, cost or expense due to wear and tear.
  • There are sometimes strict rules where theft has occurred, so you are advised to read the rules.
  • Honeymoons are not covered as standard but some providers may include these within your wedding insurance policy.

How much to cover?

You may find it useful to list all your expenses on a spreadsheet to work out the overall cost for your wedding day or reception. This will assist you when you choose the most appropriate wedding insurance cover.

How much does it cost?

Wedding insurance can range from £30.00 to more than £200?

For more information about wedding insurance contact: info@theweddinglawyer.co.uk

 

 

Last year, The Wedding Lawyer received a record number of disputes arising from the photography and videography contracts. Disputes partly arose due to the supplier not keeping to their side of the agreement.

Whilst photography and videography contracts differ depending on supplier, here is our six-step checklist to assist you when checking your photography or videography contract.

Step 1 – Does your supplier know the venue, timings and duration of coverage?           

As the consumer, it is your responsibility to check that the contract correctly states the date, venue and timings of your photo and videography shoot. Some suppliers will indicate the time at which they arrive and leave (e.g. arrive 9am and leave at 5pm) and others will simply state how many hours they will be providing coverage for (e.g. 8 hours coverage). Remember, wedding days do not always run on time, therefore, you are advised to go through your itinerary and ensure the timings stipulated on the contract as realistic. You may find it useful to negotiate an hourly rate with the supplier in advance of your wedding day, in the event of the day over running by one or two hours. This will prevent any nasty surprise bills for overtime after the event.

Step 2 – Who owns the copyright in the photos?

Do not be alarmed when a clause in the contract states “copyright of the photographic material” belongs to the supplier. This clause is often found in photography contracts. As the consumer, you should take care with how you use photos that are taken from your wedding day by your photographer. Whilst it may be tempting to stick photos/videos onto social media sites you are advised to check with you photographer before you use such photos/videos in this way.

Step 3 – How much do you need to pay upfront?

Many photographers and videographers want to be paid the entirety of their fees in full before your big day. Whilst, this provides the supplier with security that they have got the full payment, it also means you have little bargaining power once you have departed with your hard earned money. Whilst, suppliers can set their own terms as to how and when payments are due, it is worth choosing a supplier who is willing to accept part payment prior to the big day and the balance on completion of the job. This will provide an incentive for the supplier to deliver your photos and videos in a timely fashion.

According to the UK Competition and Markets Authority – as a guide:

  1. A deposit is just to reserve the goods and services and should be no more than a small percentage of the total price.
  1. Advance payments reflect the supplier’s expenses in carrying out the contract and should leave the customer with a reasonable amount to pay on completion of the job.

Step 4 – Do you need to provide your supplier with a meal or a break?

Photographers and Videographers are usually required to be fully alert and present throughout all aspects of the wedding day. However, they are only human beings are often stipulate break times and meal arrangements in their contract. Ensure you understand what the hospitality arrangements are for the supplier and if possible ensure this is factored into the itinerary. A failure to make provision to allow your supplier to take breaks for meals could mean they end up taking it at a time when they are most needed during the course of the day. It is not unusual for a photographer and videographer to request a hot meal in their contract. If this is the case, ensure you have made provision for this with your caterer.

Step 5 – Does your supplier understand the timetable for the day?

Contracts often contain a clause along the lines of

“The supplier x will endeavour to capture all the relevant moments throughout the day as they occur. However, some unforeseen moments might not be captured”

To minimise the risk of not capturing a special moment, ensure you have given your supplier a full briefing as close to the day as possible. This should also be supplemented with a printed timetable so there is no confusion as to where the photo and video team should be on the day.

Step 6 – Do you know when the final photos and videos will be delivered?

An often-disputed point is that a videographer or photographer is taking too long to deliver the photos or videos. Carefully check each clause of the contract to see that it mentions how long it will take the supplier is likely to deliver the final version of the photos and videos. Should this not be included in the contract, ensure you get written confirmation about how long this is likely to take.

Step 7 – Is there more than one photographer or videographer?

Both the bride and groom have wanted to instruct their own photographer and videographer on a separate basis to cover the wedding day. If this is the case, check the contract to ensure there are no limitations to allowing this. Some suppliers include a exclusivity clause which states “no other professional photography crew will be hired to cover the same event”.

Step 8 – Do you understand the cancellation clause in the contract?

Unfortunately, there are times where wedding days cannot go ahead, therefore ensure you are clear of what your financial liability is when you have to cancel a booking with a photographer or videographer. Remember, wedding insurance is always a good idea to protect you to cover any expenses in the event of cancellation.

If the photographer or videographer cancels the booking, check to ensure you are clear on your rights. The supplier should provide an alternative supplier of the same quality and experience or a full refund.

Should you need assistance with reviewing a contract or dealing with dispute, please contact info@theweddinglawyer.co.uk