Immigration Extension amid Coronavirus Pandemic

Immigration Extension amid Coronavirus Pandemic

The Minister for Justice Charlie Flanagan announced that immigration permissions due to expire between now and the 20th May will be automatically extended for two months. These new measures will apply to immigration registrations and renewals in places outside of Dublin in local garda stations by local Immigration Officers.

The new measures will apply to three primary categories; those who hold current valid permission; those awaiting first registration and those on short-stay visas who may be unable to leave Ireland due to uncertainties caused by the Pandemic.

At Joyce & Co Solicitors, we are one of Cork and Limerick’s leading Immigration Law Firms and specialize in this field with quick turnaround times.

If you need help with Immigration issues, please get in touch. This includes:

  • All Visa Application types (short and long stay)
  • Applications for change of status
  • Irish Born Child Residency Applications (Zambrano)
  • Complex deportation matters and contesting the issuing and validity of Deportation and Transfer Orders
  • EU Treaty rights-based applications
  • Corporate Immigration
  • Work Permits
  • Citizenship Applications
  • Any other general immigration queries

Our offices are currently closed to the public however we are operating a virtual appointment service available to our clients.

To get in touch, please email and a member of our team will contact you.

Can you apply for financial support amid the Covid- 19 Pandemic?

Can you apply for financial support amid the Covid- 19 Pandemic?

On Tuesday, 24th March the Irish Government announced a new way of providing financial support to those workers affected by the Covid-19 crisis. As part of the new measures implemented the Revenue will operate a temporary wage subsidy scheme. The new scheme will allow employees to receive significant financial support directly from their employer through their existing payroll system.

This is important in more ways than one as it not only provides financial support but it also allows the employer to retain its links with employees for when business resumes after this crisis.

For employers, it is encouraged to facilitate this by offering the scheme to its employees.

This also takes some of the burden from the existing financial supports in Ireland now with increased demand on these services.

See below information provided by the Revenue;

How does it work?

 Replaces the previous COVID-19 Refund Scheme.
 Initially, and from this Thursday (26 March 2020), the subsidy scheme will refund employers up to a maximum of €410 per each qualifying employee.
 However, employers should pay no more than the normal weekly net pay of the employee.
 The subsidy scheme applies both to employers who top up employees’ wages and those that aren’t in a position to do so.
 Employers make this special support payment to their employees through their normal payroll process.
 Employers will then be reimbursed for amounts paid to employees and notified to Revenue via the payroll process.
 The reimbursement will, in general, be made within two working days after receipt of the payroll submission.
 In April, the scheme will move to a subsidy payment based on up to 70% of the normal net weekly pay for each employee to a maximum of €410*.

Are you eligible?

The Scheme is available to employers from all sectors (excluding the public service and non-commercial semi-state sector) whose business activities are being adversely impacted by the COVID-19 pandemic.

It is open to employers who retain staff on payroll; some of the staff may be temporarily not working or some may be on reduced hours and/or reduced pay. Provided the employer meets the conditions set out below and, subject to the levels of pay to the employees, the employer may be eligible for the scheme for some, or all of its employees.

To qualify for the scheme, employers must?

 be experiencing significant negative economic disruption due to Covid-19
 be able to demonstrate, to the satisfaction of Revenue, a minimum of a 25% decline in turnover
 be unable to pay normal wages and normal outgoings fully and
 retain their employees on the payroll.

The Scheme is confined to employees who were on the employer’s payroll as at 29 February 2020, and for whom a payroll submission has already been made to Revenue in the period from 1 February 2020 to 15 March 2020.

After the scheme has expired, the names of all employers operating the scheme will be
published on Revenue’s website.

Registering for the Temporary Wage Subsidy Scheme

Any employer, already registered with Revenue for the purposes of the Employer COVID-19 Refund Scheme, is not required to take any further action. The employer may make payroll submissions from 26 March 2020 under the subsidy scheme arrangements on the same basis as they were doing for the Employer Refund Scheme, and €410 will be refunded in
respect of each eligible employee per week.

Employers, or their agents, wishing to register for the scheme can apply to Revenue by:

 Log on to ROS myEnquiries and select the category ‘Covid-19: Temporary Wage
 Read the “Covid-19: Temporary Wage Subsidy Self-Declaration” and press the
‘Submit’ button.
 Ensure bank account details on Revenue record are correct. These can be checked
in ROS and in ‘Manage bank accounts’, Manage EFT’, enter the refund bank
account that the refund is to be made to.

To get in touch, please email and a member of our team will contact you.

Help To Buy Initiative – Could you score the financial assistance you need to buy a new home?

Help To Buy Initiative – Could you score the financial assistance you need to buy a new home?

Saving money to purchase a house can be some of the most stressful times in many people’s lives, with housing prices on the rise along with the demand on housing in Ireland it has never been more difficult to purchase your first home.

Thankfully it’s not all doom and gloom and there is some really great initiatives by our government to help First Time Buyers.

The Help-To-Buy Initiative which aims to help buyers acquire the deposit to purchase their home came into effect in January 2017, and has successfully been in operation ever since.

Currently in Ireland mortgage lenders require a minimum of 10% deposit of the house value to qualify for a mortgage. Similarly, mortgages are available to purchasers up to 90% of the entire house value.

The Scheme offers to give you 5% of your 10% mortgage allowing you to purchase your home with a 5% deposit.

With the scheme there are some requirements and conditions, here is the fine print;

Borrowers can claim a maximum of 5% of the value of the property or €20,000 – whichever is lower.
Under the scheme, first-time buyers can claim a tax rebate of up to €20,000 for the purchase price of a new-build or self-build house or apartment.
The rebate is only available on properties valued at €500,000 or less.
Any first-time buyer of a newly built home can apply for a tax refund under the Help-to-Buy incentive. However to qualify as a first-time buyer under the scheme, you must not have previously purchased, built or inherited a home yourself or with any other person.
If you’re a joint buyer, and one applicant is a first-time buyer and another applicant is not, you cannot apply for the grant.
Only newly built homes and self-builds are included in the scheme. Conversions and restorations of old or derelict homes do not qualify, but conversion of a non-domestic building for residential use may qualify.
NB: If you purchase a property for €400,000, you can claim the maximum rebate of €20,000. But if you buy a house for €500,000, the relief will be capped at €20,000.

If I purchase a house today I can claim up to 20,000?

In short yes, but it is a tax rebate and not a free money scheme which sometimes gets confusing. In order to claim you must have paid the equivalent amount of tax over the course of 4 years previous to your purchase. If you are purchasing on your own or as a couple for example the same rules apply.

Note: The USC and PRSI are not taken into account when calculating how much you can claim. However, most people who have been living and working full-time in Ireland over the past four years will likely have paid more than enough income tax to fully qualify for the scheme.

How do I apply?

You can apply online through Revenue’s MyAccount service. And as long as you are tax compliant, Revenue will provide you with a summary of the maximum refund available to you within around five working days.

To get in touch, please email and a member of our team will contact you.

Facebook Linkedin Instagram

Step By Step Guide To Purchasing Your First Home

Easy 10 step guide for first-time buyers

1. Set a budget
When buying a house it’s important to know what you can afford to spend. Being calculated in this situation is the most sensible way to operate – what amount can you put up in terms of a deposit and what monthly mortgage amount will fit within your monthly outgoings?

If you are a fit time buyer, you may borrow up to 90% of the purchase price of your property, subject to being able to borrow a maximum up to 3.5 times your salary (or 3.5 the combined salaries of you and your partner). If you are a second-time buyer, you will be allowed to borrow up to 80% of the purchase price.

Don’t forget you will need to pay fees such as legal fees and stamp duty (1% of house value) on top of your mortgage, insurances and house furnishings.

2. Sort out your money.
This one may be a given but it is the first step to becoming eligible to purchasing your first home. Organize your deposit payment which is usually 10% of the value of the house, if you are looking to purchase a New Build, Building your own home (for the first time) or developing a building which was not used for residential use previously then you can avail of the Help-To-Buy ( HTB ) scheme.

(The HTB Scheme is a tax refund from the Revenue which is aimed at helping first-time buyers purchase the first home by providing 5% of your deposit payment. The HTB scheme has some terms and conditions which you can read here in our previous blog post. It’s well worth a read if you fall into the above category)

3. Apply for your mortgage
Unless you are in a position to buy your home outright then a mortgage is the way to go. Like many things in life when making a big decision such as buying a new home, it is important to shop around.

With so many mortgage lenders now available it really boils down to which provider suits your needs and application most. For example, they can differ on interest rates, mortgage repayment terms, variable rates and more. Do your research – it is often worthwhile to engage a mortgage broker as they will look at your application and apply on your behalf to the lenders which they believe suits you best.

4. Choose your property
This one is a given – choosing your first home is an exciting but stressful time so it is important to visit the property again and again..and again to make sure you are making the right decision. A top tip is to visit the property at different times of the day to see things such as lighting, traffic and noise pollution to name a few

5. Appoint a Solicitor
For obvious reasons appointing a solicitor is one of the key decisions that you will make in this process so basing your judgment on past reviews, referrals, and recommendations is always a good idea. We suggest Joyce & Co but we are a little biased. Seek a full quotation from your solicitor to include fees, stamp duty, outlays and registration charges.

6. Speak to an Engineer
Assuming you have chosen your home, your mortgage lender will carry out a very basic check of your property but this is never a substitute for hiring a qualified Engineer. They will ensure your house is completed to the agreed standard (in the case of a new build). If your property is second hand it is important to get the view of a professional early to know important information such as whether you are likely to have to invest in renovating the property to bring it up to the standard you require.

7. Signing contracts
When the buyers and sellers are ready to go and a completion date is agreed, the exchange of contracts takes place. Now you are committed to purchasing on that date.

8. Arrange building insurance and mortgage protection
Shop around, there are many different providers with varying conditions offered. Recommendations are a good way of searching. Your mortgage broker will be able to provide some valuable advice on these matters so don’t be afraid to ask.

9. Closing Account
Your solicitor will send you a financial statement with the required monies needed from you in order to close your purchase. This will include your stamp duty, legal fees, registration fees, outlays and any shortfall of purchase monies outside of what a mortgage will cover. Your solicitor will order your mortgage funds directly from the lender in advance of closing the transaction.

10. Moving day!
Your solicitor will give you a call to let you know that the sale has been completed and that you may collect your keys from the estate agent. Now it’s time to move some boxes, unpack and enjoy life in your new home.


Our principal solicitor talks about the new road map for Irelands come back after coronavirus:

Our principal solicitor talks about the new road map for Irelands come back after corona virus:

Since our Taoiseach’s announcement on Friday last we have taken some time to reflect on points made and our nations new road map as a way out of this pandemic. Overall we found Leo’s announcement somewhat encouraging as we now have some date milestones and projections as a nation to follow. Having some sense of an ending is encouraging from both a business and social point of view.

At Joyce & Co we have been very lucky to continue our business as an essential service while working remotely, but like others we as a company have also had to make some changes to how we operate. We have had little to no physical meetings with clients. We have operated through phone call’s, emails and through video conferencing to continue our business through this crisis and have aimed to continue delivering the same level of customer service as always. What are our views of this new normal? Take a look below at some key points of interest we wish to discuss.

From a business owner’s point of view one of the main concerns we have is how to maintain the safety of our employees as well as our clients as we begin to roll back into normality. We believe it is necessary for clearer guidelines to be set out by our government relating to sanitation, social distancing measures and standard practices we need to adhere to. From communicating with colleagues and business owners in other industries it appears that this is a concern shared by many who want to ensure they are adhering to these necessary standards. The thoughts of an expert in the area who could perhaps advise on tailored approaches for each individual business to take would be a welcome development.

We hope to continue some measures we have introduced until we have a vaccination in place, and perhaps even after the pandemic has left our lives. One of these in particular is the use of video conferencing calls to meet with clients and talk about issues relating to their legal services needs. Of course, in some cases contract signing will always be necessary. However, we believe this can be done in the safest way possible whilst continuing social distancing measures. We would encourage all those who can to continue the use of these new ways of communicating where possible until we can be sure we are safe from the spread of Covid-19.

Financial supports such as the Wage Subsidy Scheme and the Enterprise Support Scheme have been great initiatives made by our government to help businesses stay afloat and to keep that essential link between employers and employees while businesses remain in somewhat partial hibernation. While hindsight will no doubt provide a clear lens down the tracks, our government’s week to week decision-making in how they have managed the challenges of this pandemic has been proactive. Their communication has to the nation has also been detailed and transparent.

Supporting Local is something we believe everyone should be participating in once restrictions begin to roll backwards and it is something we will be doing, especially with our neighbors on Washington Street and around Cork City Centre.

Our economy has suffered and will continue to suffer for the coming months; but forecasts suggest we there is a road back which is something to be positive about.

With a roadmap in place it allows for businesses like ours to now plan ahead. We wish all other businesses the very best in these challenging times. We welcome the sharing of ideas in what is a time where innovative thinking has really come to the forefront and will ultimately dictate survival and future successes for many. We have tried things ourselves during the past few weeks to keep the fire burning. Some initiatives have worked well while some haven’t had the same traction. We will continue our efforts to provide our customers with a high level of service. Stay in touch. Pull together. Support one another.



The question for many businesses is whether their insurance covers losses arising from COVID-19


Many businesses throughout Ireland are now facing the human, social and economic implications of COVID-19. The pandemic has caused businesses such as retail outlets, bars, restaurants, and hotels to suspend their operations. There is an understandable concern about the financial losses incurred as a result of COVID-19 and many businesses will now be looking to their insurance to cover the financial losses.


Business Interruption Insurance and Covid-19

Business interruption policies (sometimes referred to as consequential loss, or loss of profits policies) are policies of indemnity that provide cover for loss resulting from the interruption to an insured’s business as a result of physical damage to the insured property. Typically, business interruption insurance policies will not provide cover for losses resulting from infectious diseases unless specific business interruption extension is included in the policy.

The wording contained in each policy of insurance will be significant in determining if insurance companies are obliged to accept liability on an insurance claim for business interruption. Some insurance policies provide non-physical damage extensions to their business interruption cover and in certain instances may cover loss resulting from interruption to the insured’s business as a result of an occurrence of a notifiable human disease.

Where a policy provides cover for an outbreak of an infectious disease, an insurer may be expected to meet claims where the loss arises from an outbreak of an infectious disease on the property or where the business is restricted from trading by government as a result of such an infectious disease.  Whether a policy will offer this kind of cover will very much depend the specific facts of the case and specific wording of the policy in issue.


Business Restrictions and Closures:

Certain policies may not expressly address losses resulting from the outbreak of an infectious disease and may instead only expressly provide cover for financial losses resulting from interruption to the business due to restrictions or closures imposed by public, local or government authorities. Policies may contain a prevention of access clause and this in turn could provide cover for a business interruption claim during a pandemic.

Our advice is each policy of insurance is different and businesses should have their policies examined to clarify if it has any cover for losses arising from the current crisis and establish whether the present circumstances trigger the cover provided under the relevant insurance policy. It is important to remember that if there is a potential insurance claim, the terms of the policy must be followed including the appropriate notification of any claim arising from the policy. An insurer may not indemnify a business where policy requirements relating to notification and loss management are not strictly adhered to by the business.

In the event of a dispute over whether COVID-19 triggers business interruption coverage, legal action may need to be threatened or required to compel performance of the contract of insurance and ultimately compensate the business once losses are ascertained.


How can we help?

The team here at Joyce & Co Solicitors can assist businesses in addressing their questions and concerns relating to insurance cover and advise on a wide range of issues a business may face during the COVID-10 crisis.

For further information and expert guidance regarding a business interruption insurance claim please contact



Have You Been Involved In A Road Traffic Accident? – What To Do Next.

Steps to take when you are involved in a road traffic accident to
When you are involved in an accident there are many thoughts and emotions a person goes through, we have put together a step by step guide to help if you find yourself in this situation.

Call the police – If you are involved in an RTA, be sure to contact An Garda Síochána if possible so that they can attend the scene. It is helpful that An Garda Síochána are given the opportunity to take details and make an assessment of the scene on the day.
Do not drive yourself immediately after the accident – Often after an RTA people find themselves in a state of shock. Try to have somebody else collect you from the scene if at all possible. In some circumstances, medical assistance will arrive at the scene.
Seek medical assistance – It is common for some injuries that result from RTA’s not to be immediately apparent. Injuries sometimes come to light after the first 24 hours following the accident. Don’t assume you are fine and do seek medical attention early on if you have been in an accident. See your GP if necessary go to Accident & Emergency.
Notify your employer – Tell your employer that you have been in an accident. This will allow them to monitor your wellbeing and if necessary to allow you to take time off work or even adapt your role while you recover.
Keep receipts – Following an accident, you will need to see professionals such as doctors, physios, acupuncturists, etc and will have various expenses such as medicines, travel and other out of pocket expenses. These receipts will form part of your claim for compensation. Out of pocket expenses are termed “Special Damages” in the context of a personal injuries claim.
Consult your solicitor – Discuss the accident with your solicitor. We at Joyce & Co Solicitors are experts in the area of personal injury claims. If you are injured from a Road Traffic Accident which was not your fault we can advise you throughout and manage your claim for you. The initial consultation will allow you to have an idea of what will be needed from your side as well as what steps lie ahead as part of a claim.
Have a medical assessment with your doctor – Normally, a claimant’s first medical report will be written by their GP. Your GP will need to assess you at their clinic to be in a position to write that report.
Your solicitor obtains a report from your doctor – Your solicitor will take up a report from your GP and will check over this report with you. That report can then be used by your solicitor to commence the PIAB (Personal Injuries Applicant Board) process.
PIAB Application – Form A must be completed. This is done in conjunction with your solicitor. Form A is lodged with PIAB.
The respondent to your claim is given 90 days to consent or not to consent to having the matter assessed by PIAB. If 90 days elapses with no response from the respondent, it is taken that the respondent consents to having the matter assessed by PIAB.
You will see a doctor nominated by PIAB during the PIAB process. This doctor is an intermediary engaged by PIAB to assist them in assessing the value of your claim.
Additional medical reports – Depending on the nature of your injuries, your GP may refer you to specialists in other areas of medicine. Should that be the case, your solicitor may obtain a medical report from that practitioner.
Loss of earnings – PIAB will send your solicitor a certificate of loss of earnings. If you are a PAYE worker, this must be completed by your employer in the event that you have suffered lost wages following an absence from work as a result of your injuries. If you are self-employed, any loss of earnings must be calculated and signed by your accountant.
Special damages – All out of pocket expenses you have incurred as a result of the accident are set out in a schedule of special damages. This schedule is completed and given to PIAB together with all receipts.
PIAB Assessment – PIAB will make an assessment of the value of the claim. This assessment will be sent to both your solicitor and the respondent (or their insurers in most cases). Both parties must decide whether they wish to accept or reject the assessment made. The respondent has 21 days to communicate their decision. You, the claimant, have 28 days to communicate your decision. This is a time where your solicitor can advise you on your options and whether in their opinion the assessment made by PIAB is a favourable one. You will be advised but the final decision rests with you.
If you accept the PIAB assessment, and the respondent also accepts the assessment, a “Notice To Pay” will be issued by PIAB instructing the respondent to pay you the amount of the assessment.
If either you or the respondent reject the PIAB assessment, an authorisation will be issued by PIAB allowing the matter to proceed through the courts system.
A barrister will be engaged to assist in the court process. A personal injury summons will drafted and checked with you. Once in order, this can be issued in the courts and served on the respondent.
The matter may proceed towards court hearing or may settle at an earlier stage. At each part of the process, you will be advised by Joyce & Co Solicitors as to what we feel is in your best interests. The aim is to maximise your award while providing an efficient and transparent service to our clients.

At Joyce & Co. we are experts in the field of Personal Injury Claims due to road traffic accidents, reach out to our team where we can talk through the processes with you.


Personal Injury Claims – What you need to know

Learn about personal injury claims in this comprehensive blog post.
Take a look at some of the most common personal injury claim FAQ’s we receive. By reading these FAQ’s we hope you may find the answers you need relating to personal injury claims.


Our team here at Joyce & Co., Solicitors provides specialist advice and representation on all types of personal injury claims including road traffic claims, public liability claims, accidents at work, product liability, and medical negligence claims. Our team here at Joyce & Co
Solicitors are experienced and equipped to guide you through the claims process and are committed to working with you for the very best results in your personal injury claim.

What is a Personal Injury Claim?

A personal injury claim is a process whereby the injured party (“the claimant”) seeks compensation for injury or illness that has resulted from the fault of another person (“the wrongdoer’)

In order for a claimant to recover compensation from the wrongdoer arising from an injury or illness, it will be necessary to establish that the wrongdoer owed you a duty of care, that the wrongdoer was in breach of their duty of care and thereby caused the injury suffered by you.

Are there different types of personal injury Claims?

There are many different instances where a Personal Injury claim may arise and the following are examples of the most common incidents

Road Traffic Accidents

Car Accidents
Pedestrian Accidents
Bicycle Accidents
Hit and Run Accidents
Passenger Accidents
Motorway Collisions
Motorcycle accidents
Rear-End Collision

Work-Related Injuries

Farm Accidents
Construction Accidents
Defective Equipment
Poor Lighting Accidents
Falls from a ladder
Repetitive strain injuries
Manual Handling Injuries
Work-related illness

Public Liability Accidents

Slip and falls in a public place
Accidents caused by spillages
Accidents caused by wet floors
Slip and fall in Public a place
Trip and fall in a public place
Food poisoning from a restaurant

Are there time limits for the notification of a claim?

The law in Ireland says that personal injury claimants should notify the wrongdoer of your intention to bring a claim within one month of the accident unless there is a good reason not to do so.

What are the time limits for a Personal Injury Claim?

A personal injury claim must be initiated within two years from the date of knowledge of the person’s injury. However, it should be emphasized that this limitation period may be shorter or longer depending on the nature of your case. If you have suffered an injury, you should contact our team at Joyce & Co Solicitors as soon as possible.

What is PIAB?

PIAB is the Personal Injuries Application Board. When you are making a claim for personal injuries, this is the first stage of the process. Joyce & Co Solicitors are experienced in making applications to PIAB on behalf of claimants.

How do I bring a Personal Injury claim?

A. Obtain specialist legal advice:

It is important that you seek legal advice in relation to your personal injury claim so as to ensure that you are fully informed in relation to your rights and entitlements. We believe this is important before reaching any settlement with any insurance company because a settlement without the appropriate legal and medical advice might not adequately compensate you for your injuries and losses.

B. How does one start the claim process?

Our team at Joyce & Co. Solicitors will discuss your case with you and if you have a claim, our team will send the appropriate letter to the person you believe caused the injury within one month of the accident or injury. If you have suffered an injury, it is advisable that you seek legal advice as soon as is possible following your injury so that a letter can be drafted by a solicitor on your behalf.

C. How much information will be involved in my claim?

Our team at Joyce & Co Solicitor will advise early on in terms of the information that you will require as each scenario is different. It is very important that you consult with our team as soon as possible to discuss your case so that we can advise you. As a general guide, the following information will necessary for your solicitor to prepare your personal injury case:

(i) Details of the person(s) responsible for your accident and/or injury;
(ii) Details of any witnesses to your accident;
(iii) Details of any members of An Garda Siochana that attended the scene;
(iv) Details of your costs associated with your medical treatment;
(v) Details of your treating doctor;
(vi) Details of any loss of earnings and details of any future loss of earnings;

Our team will also write to your treating General Practitioner or treating consultant, as the case may be, requesting a report in relation to your injuries, the treatment you have received and the general prognosis relating to both the duration and extent of your injury.

D. What happens with the PIAB application?

(i) Submitting Application
Once all the relevant information is gathered, our team will prepare the necessary application to PIAB along with the necessary evidence and supporting documentation. Once the application is submitted with the appropriate documentation, the application will be acknowledged and this then stops the 2-year time limit in order for your application to be assessed by PIAB.

The person responsible for your injury, the Respondent, then will be notified and has 90 days to agree to permit the PIAB to assess your claim. If the Respondent does not agree to this assessment, PIAB will issue you with an Authorisation allowing you to take your claim through the Courts.

(ii) Assessment of Claims by PIAB:
PIAB in assessing your claim and ultimately determining the amount of compensation appropriate to your case will have regard to the ‘Book of Quantum’. The Book of quantum provides guidance in relation to the amounts that may be awarded for an injury.

PIAB in assessing a claim will consider the medical report(s) submitted and the documentation furnished in addition to your application. PIAB may refer you to specialist doctors for their expert opinion in order to assist with the assessment of your claim.

PIAB will assess the appropriate compensation to be awarded, having regard to the ‘book of quantum, arising from your physical and psychological injuries. PIAB in their assessment will also take into account matters such as:

 Loss of earnings arising from your injuries;
 The associated medical costs;
 Future medical costs in relation to your injury;
 Any travel expenses that have directly resulted from your injury

Once an assessment has been carried out by PIAB, an offer of compensation will be made to you. You will have 28 days to decide whether or not you wish to accept this offer, and failure to respond in this time will result in an automatic rejection of the offer. The person responsible for your injuries has 21 days to accept or reject the offer of compensation.

The Team here at Joyce & Co Solicitors will discuss the offer of compensation with you and advise you on:

a. Whether the compensation offer adequately compensates you for your injury and loss;
b. The type of award that a Court is likely to award in your case from our own experience;
c. Whether the PIAB assessment should be accepted or rejected.

If both the Claimant and the Respondent accept an offer of settlement, then your case will be considered settled and the Respondent will be required to pay you your compensation.

Once a case is settled in a full and final settlement this means that you cannot revisit the case again and therefore it is important that the offer of compensation adequately compensates you for the damage and the remaining recovery time.

However, if one of the parties rejects the assessment, then the Claimant is permitted to bring Court proceedings and here a Judge will decide the outcome of your case. If your case proceeds in Court, the team here in Joyce & Co. Solicitors have the experience and knowledge to obtain the best outcome in your case through settlement, negotiation, mediation, or through an award of the Court.

Contact Joyce & Co Solicitors

If you’ve been in an accident that wasn’t your fault and you wish to make a personal injury claim, please get in touch with Joyce Co Solicitors. With over 20 years of experience negotiating personal injury claims, our team can advise you on the best course of action for your personal injury claim.

*In contentious business, a solicitor may not calculate fees or other charges as a percentage or proportion of any award or settlement.

Saving Tips for First Time Buyers

If you are a first-time buyer set on becoming a homeowner within the next two years then here are 8 proven ways to help you save.

Saving Tips for First Time Buyers: We touch on all areas from the obvious to the not so obvious home truths which will make a huge difference in your overall savings – starting today!

At Joyce & Co Solicitors one of our main focuses is to help First Time Buyers secure their first home. We have over 20 years’ experience and a very approachable team to deal with.

Okay, lets get to it.


The first step way in which you can start saving for your mortgage is to spend less and pay off any outstanding debt where possible! We know this one sounds like a no brainer but debt is a saver’s worst nightmare as interest charges can be an unnecessary expense. As a rule of thumb for this situation its best to start with the highest interest loan and work backwards


The key to becoming a saving pro is to set up Standing orders, they will automatically transfer money from your regular account to your savings account without you having to move a finger. This guarantees a set amount to save every week or month which prevents you from overspending and eating into your savings. You decide on the amount saved – reach out to your bank or credit union and start saving!


If you need a little help with tracking your savings, there are some really great savings apps available to help keep you on track. Life happens – sometimes we have one off expenses such as birthdays, weddings, etc. A finance app on your phone will keep track so you don’t have to.


Gone are the days where we had no choice in our service providers. Nowadays there are many ways to save by simply switching electricity provider for example.

A great website to use is They report that the average household could save up to €410 per year by switching providers.

And, as they say, every little helps.  Similarly, by switching tv or broadband provider you can save some extra dough.


We are all guilty of it – Wasting food means you may as well be throwing money in the bin. It goes without saying that being conscious of expiry dates is important. Less expired food in the bin over the course of a year equals savings. Every euro counts when saving for your new home.


We have all been there – you get invited to go for dinner with your friends or maybe for a couple of drinks. You have no plans and really want to go but there is no special occasion and no real reason to go but to satisfy your FOMO.

We are not suggesting you refuse every time and become withdrawn from your friends or social gatherings but we do suggest being smart when choosing what to spend your money on or how frequently you succumb to your FOMO


We know it’s the dreaded move no-one wants to make but moving back in with your folks can be the best way to save large sums of money. Rent nowadays can be extremely expensive and is money you could be saving towards your mortgage.

Of course, this option may not be possible for everyone, but for those who can do this count yourselves lucky!


Saving takes time – Rome wasn’t built in a day. Saving correctly over time will make your new home even better. knowing that you sacrificed and worked towards this achievement is the greatest satisfaction you will ever feel. At Joyce & Co Solicitors we have a dedicated team of solicitors who are ready to help make your dream of owning your home a reality

Reach out to the team at Joyce & Co Solicitors to set up your property consultation today!

Contact us here

Enduring Powers of Attorney FAQ

Joyce & Co Solicitors answer the most frequently asked questions in relation to Enduring Powers of Attorney.

What is an enduring power of attorney?

An Enduring Powers of Attorney is a document by which you give a third party permission to handle your affairs which is executed when a person is in good health in preparation for the future. This does not come into effect until such a time the person has lost the mental capacity to make decisions. At that stage, the appointed solicitor/attorney will register the EPA with the Wards of Court Office.

When is the right time to make an Enduring Powers of Attorney?

There is no specific time to execute an EPA however it is absolutely essential that there is no question as to mental capacity when it is made.  Its validity can be challenged by the family if they feel that the person did not have the necessary capacity at that time. These challenges are handled directly in the High Court where the original EPA is set aside and the donor made a ward of court.

What happens if I do not have an EPA in place?

If you do not have an EPA in place and you no longer have the mental capacity to manage your own affairs, your assets, property or money may be frozen which will make it impossible for your family to access them, unless these are jointly owned by the person looking to access them like a spouse using a joint account.  In this case your family may need to apply to make you a Ward of Court which will give the courts the power to make decisions on your behalf. The judge will form a committee usually a family member(s) to attend to your affairs; the problem with this is that the person chosen may not have been your preferred choice for this role.

Also, the cost of making a person a Ward of Court is substantially greater than executing and registering an EPA.

Who can make an EPA?

Any person over the age of 18 years can make an EPA as long as they are of full mental capacity. If you are bankrupt you may only have an EPA created to decide upon personal care decisions.

What measures of safeguarding are in place to prevent abuse?

Due to an enduring power of attorney involving the transfer of considerable powers from the donor to the attorney there are a number of legal safeguards to protect the person from abuses:

  • The procedure for executing an EPA requires the involvement of a solicitor and doctor.
  • The EPA can only come into effect when the original document is registered in the office of the High Court.
  • The attorneys cannot act until the EPA is registered.
  • A second medical cert is required at registration confirming that the donor no longer has the mental capacity to manage his/her own affairs
  • At least 2 notice parties are assigned and they have an object to the registration of the EPA should they feel that the donor has sufficient mental capacity to make decisions on their own.
  • Notice parties are given 5 weeks to submit objections.
At Joyce & Co Solicitors we would be happy to discuss any queries you may have in relation enduring powers of attorney please feel free to contact us via email at or give us a call on 021 427 0391 / 0879216487.