Ts & Cs

Dear Customer,


The following is a copy of our terms and conditions upon which we trade and which, by making or agreeing to make payment, you become legally bound.



The advice given by me (Graeme Haskett) or by my associates, although based on considerable experience and knowledge, is an opinion only. We can in no way be held responsible for any subsequent consequences, resulting from your actions, having listened to our advice.



All payments must be made in advance, via BACS, PayPal, credit or debit card.


Credit Card Payments

We regret that we are unable to accept Diners Club Card. We do not store credit card details nor do we share a customer’s financial details with any third parties.


BACS Payments

Please find below our bank details to enable you to pay by this method:-


Sort Code:     20-54-58

Account No:  00347221



Correct payments will not be refunded.



A suitable agreed appointment will be made by mutual consent at the time of payment.


Applicable law

These conditions shall in all respects be construed in accordance with English Law, and the Buyer agrees to submit to the non‐exclusive jurisdiction of the English Courts.



‘Need a Second Opinion’ is a trading name of Grampian Management Services Ltd.

Company Registration Number: 6468398. VAT Number: 925 4676 01.



Kind Regards

Graeme Haskett

© Grampian Management Services Limited 2016. All Rights Reserved.

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Call: 07914 733131    |    Email: advice@needasecondopinion.co.uk