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Emirates NBD Bank v Al Kuwari: When Can You Use Alternative Service for a Bankruptcy Petition?

Key Takeaways

  1. Serving a bankruptcy petition in England and Wales requires personal delivery to the debtor unless the court gives permission for alternative service, and only when personal service is genuinely impracticable.
  2. If you cannot personally serve the debtor, you must record every attempt and follow the Insolvency Rules and the 2020 Practice Direction to show all reasonable steps were taken.
  3. Failing to serve a bankruptcy petition correctly can mean your petition is thrown out, which puts you back to square one and risks wasted costs. If a debtor is overseas or evading service, the court may allow alternative service, but you need strong evidence and sometimes need permission to serve out of the jurisdiction.
  4. There are strict time limits for service. Typically, the petition must be served at least 14 days before the bankruptcy hearing.
  5. If you do not respond to a properly served petition or court order in time, you risk bankruptcy, loss of assets, and additional restrictions.
  6. Our solicitors help both creditors and debtors prepare, challenge, or defend bankruptcy petitions, particularly in complex cases involving high-value assets or cross-border elements.
  7. Doing nothing or delaying your response when faced with a bankruptcy petition could lead to serious, irreversible financial consequences.
  8. Early legal advice gives you the best chance to fix defective service, challenge court jurisdiction, or reach a commercial settlement quickly.

To discuss your situation in confidence, book a free consultation with our expert bankruptcy petition solicitors.

Emirates NBD Bank v Al Kuwari [2026] EWHC 1468 (Ch)

Emirates NBD Bank PJSC v Ghanim Bin Saad Majid Al Saad Al Kuwari [2026] EWHC 1468 (Ch) is a pivotal case for anyone involved in bankruptcy petitions in England and Wales, particularly where high-net-worth or cross-border debtors are concerned. The case raises two urgent questions for creditors and debtors alike:

  1. When does the English court have jurisdiction over an individual who has left the country before service?
  2. When is the court willing to authorise alternative or substituted service of a bankruptcy petition, especially in complex, international matters?

The judgment clarifies the interaction between the Insolvency Act 1986 jurisdiction gateways, the rigid requirement for personal service, and the application of English service-out rules. For creditors, especially those seeking to enforce against wealthy debtors with international ties and UK assets, the case sets a clear benchmark for what amounts to due diligence and “impracticability” of service. For debtors, it signals the limits of avoiding bankruptcy jurisdiction by leaving the country, and the danger of defending too late.

Case Background

The Parties and Debt

Emirates NBD Bank, one of the largest financial institutions in the United Arab Emirates, sought to recover over £16.3 million from Mr Ghanim Bin Saad Majid Al Saad Al Kuwari, a Qatari businessman and founder of GSSG. The Bank had already secured a judgment in Dubai (5 October 2023), which was upheld on appeal. To enforce this debt in England, the Bank obtained a default judgment in the Commercial Court (7 February 2025) using the well-established process of suing on a foreign judgment at common law.

The London Properties

Central to jurisdiction was Mr Ghanim’s connection to three adjoining luxury properties at 36-42 Queen Anne’s Gate, London SW1. These properties, controlled via British Virgin Islands companies but linked directly to Mr Ghanim, had been valued at approximately £115 million in April 2022 and described by Savills as a “personalised palace in St James Park… truly unique trophy asset.” For the purposes of court proceedings, Mr Ghanim conceded that there was a “good arguable case” that these could be his “place of residence” under the Insolvency Act 1986, section 265(2)(b)(i).

Procedural Timeline

  • 23 May 2025: The statutory demand was validly served at the London properties. Service was not disputed.
  • 25 June 2025: The Bank presented its bankruptcy petition in England for the £16.3 million debt.
  • 9 to 10 July and 15 July 2025: Multiple personal service attempts at the Queen Anne’s Gate properties were unsuccessful, despite Mr Ghanim being in England at the time. Private security staff prevented access.
  • 6 August 2025: The Bank applied to the court for permission to use alternative service methods, providing detailed witness evidence from its solicitors.
  • 8 August 2025: ICC Judge Agnello, considering the application on paper, authorised alternative service, including advertisement in the London Gazette, steps at the properties, and email—without an oral hearing.
  • 11 August 2025: The court sealed the alternative service order.
  • 12 August 2025: The Bank carried out service as authorised. Mr Ghanim stated he was already back in Qatar by then—a fact the Bank disputed.
  • 26 to 27 August 2025: Mr Ghanim applied promptly to set aside the alternative service order, raising both jurisdictional and procedural objections.
  • 30 April 2026: The court heard the applications.

The Legal Issues

Issue 1: Jurisdiction—Was Mr Ghanim “Present” in England?

Mr Ghanim’s defence on jurisdiction drew a sharp line between physical presence and statutory connection. He argued that by leaving for Qatar before the court’s alternative service order or actual service, he was no longer “present” in England. His legal team cited case law holding that, for Part 7 claims, the court cannot grant alternative service to sidestep the rules for serving proceedings out of the jurisdiction—the process for obtaining English jurisdiction must not be undermined. Since the Bank did not apply for permission to serve proceedings in Qatar under CPR Part 6, the court could not claim jurisdiction simply because Mr Ghanim had assets in London.

Issue 2: Was Personal Service Shown to Be Impracticable?

On process, Mr Ghanim insisted that genuine personal service was never attempted in Qatar despite the Bank knowing he resided and worked there. He argued that the rules demand more than cursory or frustrated attempts in England and that the statutory test is not mere difficulty but true impracticability. The court should only grant alternative service orders if every realistic avenue for personal service has been exhausted.

The Bank’s Response

The Bank countered robustly, asserting that the law of bankruptcy jurisdiction is fundamentally distinct from ordinary civil claims.

On Jurisdiction

  • The Bank argued that the Insolvency Act 1986 confers jurisdiction based on objective statutory criteria: domicile, habitual residence, or conducting business in England and Wales within a three-year period. Presence at the moment of alternative service is not determinative.
  • There was a good arguable case that Mr Ghanim was still in England on 8 August 2025, the date of the court order. Even if he had left, the Bank argued that this was done knowingly—and possibly to evade service.
  • For cases where the debtor leaves after being made aware of the petition and concerted service attempts, the court should not let evasion defeat jurisdiction. Such self-help would set a dangerous precedent.
  • With luxury properties forming a central aspect of the case and enforcement of an English-recognised judgment, England was clearly the appropriate forum.

On Impracticability

The Bank provided a detailed, evidence-based account of its failed service attempts: repeated visits met with systematic refusal by security. It considered further attempts, including in Qatar, would have been futile or resulted in greater delay. The record showed an impassable barrier to service within England, justifying the order for alternative service.

The Court’s Decision & Reasoning

The court’s approach rests on the statutory framework and procedural protections for bankruptcy jurisdiction and service.

English law provides that the High Court’s jurisdiction over a debtor is defined by their place of residence, domicile, or business activity within the jurisdiction during a specific three-year period. This reflects the seriousness of bankruptcy orders, which may strip assets, restrict personal movement, and expose the debtor to detailed, even intrusive, investigation.

When it comes to service, the priority is ensuring the debtor has clear notice and the opportunity to respond. The law insists on personal service—actually giving the debtor the petition—unless that becomes genuinely impracticable. If process servers are blocked, gates are locked, or access is systematically denied, detailed supporting evidence must underpin any application for alternative service.

The court will focus carefully on whether all reasonable steps have been made, and whether any failure in service could unfairly prejudice the debtor’s rights.

Key Legal Principles

1. Statutory vs Service-Based Jurisdiction

Bankruptcy jurisdiction in England and Wales is determined strictly by the Insolvency Act 1986. The court’s power to adjudicate depends on whether the debtor:

  • Is domiciled in England and Wales,
  • Has been ordinarily resident or conducted business there within the last three years,
  • Or has a defined “place of residence” within the jurisdiction.

This is objectively assessed, and is a separate concept from mere physical presence when served. It stands in contrast to the rules for ordinary civil claims, which often rest on where the claim form is served.

2. Mandatory Personal Service

Rules-based procedure requires that a bankruptcy petition be personally served on the debtor. Only if the creditor can demonstrate that personal service is genuinely impracticable—for example, because of repeated access refusals, locked premises, or obstructive security staff—will the court consider ordering alternative service.

3. The “Impracticability” Test for Alternative Service

The Practice Direction – Insolvency Proceedings (12.7.1) states that alternative service (for example, notice by public advertisement, email, or delivery to a solicitor) will only be available if you show that personal service is not practicable. This includes making at least one genuine attempt at every known home and business address, and documenting every effort.

If all reasonable avenues fail, an application must present clear, chronological evidence. The court will want to see dates and times of attempted visits, responses, refusal details, and any correspondence or documentation reflecting diligent effort.

4. Service Out of the Jurisdiction

If the debtor is known to reside only outside England and Wales, an application for leave to serve the petition abroad is required. The court, following guidance such as that in Annex C of the Insolvency Service Technical Manual, may then direct the method and particulars of service abroad, tailored to the debtor’s actual location and any known address.

5. Court Approach in Complex, High-Value Cases

The courts increasingly see luxury properties held via offshore vehicles, supported by strong private security and multiple international links. The law avoids presuming that such structures, or even deliberate evasion, should defeat creditors’ attempts at service—so long as the statutory jurisdiction tests are met and the creditor builds a solid evidential foundation.

Practical Implications

For Creditors Pursuing High-Net-Worth Foreign Debtors

  • Gather all evidence early of the debtor’s links to England. Document connections to luxury property, bank accounts, or business activity.
  • Make and record personal service attempts at every known address inside and outside the country.
  • If blocked by staff, record names, times, nature of refusal, and confirm in writing where possible.
  • Do not assume alternative service is automatic for HNW individuals—courts expect rigorous adherence to each step.
  • If circumstances suggest the debtor is about to leave England, pursue expedited service and collect further evidence of their knowledge of the proceedings.
  • Prepare a clear, chronological bundle of all service attempts before applying for alternative service.
  • Consider supplementary enforcement, such as freezing injunctions or asset-tracing orders.

You may also find our guide on bankruptcy petitions helpful for understanding the full process.

For Debtors Facing Bankruptcy Petitions

  • Collect documentation of your true country of residence, including visas, tenancy agreements, or evidence of non-UK business.
  • Scrutinise the creditor’s logs of service attempts—identify any steps they failed to take or addresses overlooked.
  • Respond promptly to the court, highlighting procedural irregularities or lack of required service attempts.
  • Don’t attempt to “disappear”—courts are likely to infer evasion, which can backfire in contested proceedings.
  • Engage with experienced solicitors immediately if served with an alternative service order, as timeframes to challenge can be short.

What Laws and Deadlines Apply to Bankruptcy Petition Service in England and Wales?

Serving a bankruptcy petition in England and Wales involves strict statutory and procedural rules. Key points include:

  • A petition must be filed with the court as required by rule 10.12(1) of the Insolvency (England and Wales) Rules 2016.
  • The petition is only treated as presented when both the full court fee and the official receiver’s deposit are paid (Practice Direction – Insolvency Proceedings, 12.4.1).
  • Personal service is mandatory unless the court orders otherwise, and creditors must try to serve at all known addresses for the debtor.
  • If personal service is blocked or impossible, creditors can apply for alternative service with a robust evidential chronology (Practice Direction – Insolvency Proceedings, 12.7.1).
  • Where the debtor is in London and owes £50,000 or more, or has no fixed abode, the petition is submitted online to the High Court. Otherwise, submit to the debtor’s local county court.
  • The threshold debt is £5,000. Current fees are £1,500 (petition deposit) and £352 (court costs).
  • After service, a certificate of service must be filed as proof. Check each case for the specific deadline as it is not always fixed in the guidance.

How to Challenge or Defend a Bankruptcy Petition on Jurisdiction or Service Grounds

Both creditors and debtors must prepare for fact-specific, technical disputes over jurisdiction and service.

What Can Debtors Do If They Believe Service or Jurisdiction Is Defective?

  • Confirm if the creditor has satisfied the statutory jurisdiction gateway (residence, business, or true connection with England and Wales).
  • Analyse the creditor’s records—were genuine efforts made at all addresses? Are there gaps in the chronology?
  • Collect and submit evidence such as travel records, international employment contracts, and documentation that disproves English residence.

What Can Creditors Do If Their Petition Service Is Challenged?

  • Review your log for clear, complete records of every personal service attempt.
  • Supplement with corroborating material such as process server statements, CCTV, and correspondence showing refusal or failed attempts.
  • Compile all evidence into an ordered bundle for court.

What Evidence Should Both Sides Prepare for Hearings?

  • Detailed written records of each attempted service (method, date, time, and result).
  • Evidence of address, business, or residential connections during the three-year statutory window.
  • Complete court documentation (petition, demand, service certificate, supporting evidence).

If you are involved in a challenge to petition service or wish to defend your position, our team can support you in evidential strategy and targeted case preparation.

Practical Steps for Creditors and Debtors in High-Value, Cross-Border Bankruptcy Petitions

Creditors: Proving Effective Service and Pre-Empting Defences

  1. Identify all debtor addresses, inside and outside England.
  2. Attempt personal service at each, recording every detail.
  3. Keep full evidence of failed attempts, including logs, photos, and staff statements.
  4. Take further steps such as emails, letters, or contact via known professional representatives.
  5. If personal service fails, apply to the court promptly with a detailed chronology for alternative service.
  6. After alternative service, follow all court directions and promptly file your certificate of service.
  7. Prepare to defend jurisdictional challenges with your assembled evidence.

Debtors: Identifying Service Failures and Responding Effectively

  1. Assemble documentation showing your place of residence or business over the relevant period.
  2. Cross-examine the creditor’s attempts—did they genuinely try every avenue?
  3. Collect written confirmations of your absence or non-connection to England and Wales.
  4. Challenge alternative service orders immediately—deadlines can be strict.
  5. If you can demonstrate service was improper or the court lacks jurisdiction, make an application to set aside the petition swiftly.

Our Winning Approach to Bankruptcy Petition Service Challenges

Our solicitors have extensive experience in all aspects of bankruptcy petition service, enforcement, and cross-border insolvency disputes. We offer:

  • Preparation and service of bankruptcy and winding up petitions, for both presentation and robust defence
  • Cross-border and international debt recovery, including recognition and enforcement of foreign judgments
  • Handling of complex insolvency proceedings for individuals and corporations, especially those with significant assets or international connections
  • Assistance with jurisdictional objections and applications to serve out of the jurisdiction
  • Urgent interim relief, including freezing injunctions where rapid asset protection is needed
  • Specialist support for appeals and judicial review when technical or high-value insolvency matters require it

We work closely with clients to ensure that every procedural requirement is met, evidence is meticulously compiled, and you are positioned for the best possible outcome in any bankruptcy, cross-border enforcement, or jurisdictional dispute.

You can also explore our detailed guides on insolvency disputes, bankruptcy petitions, debt recovery, or freezing injunctions for further insight.

Frequently Asked Questions

Can a bankruptcy petition be served outside England and Wales?

Yes, but only with permission from the court and by whatever method the court directs, as confirmed by the Insolvency Service Technical Manual, Annex C.

What happens if the debtor avoids or refuses service at their home?

Creditors should collect comprehensive evidence of every attempt at service. The court will only consider alternative service after all practical efforts have failed.

Can substituted service be used if the debtor has multiple luxury homes or security staff?

If personal service is genuinely impracticable and every effort is documented, courts may allow alternative service. This normally requires a very strong evidential basis.

What is sufficient evidence of failed personal service?

Detailed attempt logs (dates, addresses, persons met or refused), photos or security logs, written statements from process servers, and correspondence with the debtor or their representatives.

How long do I have to serve a bankruptcy petition before a hearing?

The guidance does not specify a universal deadline, but a short, strictly enforced period applies—always check the current court rules and your hearing date.

Does owning UK property mean a foreign debtor is automatically within the court’s bankruptcy jurisdiction?

No. Jurisdiction depends on statutory criteria (residence, business, or connection), not just asset ownership.

How do I challenge a bankruptcy petition served at my old business or home address?

You must supply credible, documentary evidence (such as new tenancy agreements, overseas contracts, travel history) to show you were no longer connected, and identify any lapses in the creditor’s service attempts.

What if the debtor is already under an Individual Voluntary Arrangement (IVA)?

The bankruptcy petition must also be served on the IVA supervisor, as set out in current GOV.UK guidance.

Who can act as a process server for a bankruptcy petition?

The rules do not specify, but creditors, their solicitors, or professional process servers typically undertake service in practice.

What are the risks if service is defective or late?

The court can dismiss or adjourn your petition and award costs against you if you have not complied with the procedural rules.

Speak to a Bankruptcy Petition Service Expert Today

The strict requirements for bankruptcy petition service and jurisdiction in England and Wales demand meticulous preparation, especially when major assets, cross-border issues, or high-value debtors are involved. Both creditors and debtors need to understand the gravity of the court’s approach, the need to evidence every step, and the risks of delay or non-compliance.

Our expert solicitors at Go Legal specialise in navigating complex bankruptcy petition service disputes, international enforcement, and cross-border insolvency. Whatever your position, we can help you take confident, strategic action fitted to your goals and risk profile.

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Sole parental responsibility ground...

My stepson’s visa application was refused on sole parental responsibility ground and he is turning 18 so we decided to seek help from a professional lawyer and not to risk to apply again by ourselves because it was a critical condition. We worked with Mrs. Zareen Akhtar, a solicitor of the company, and she did her best to achieve a positive result. Fortunately, despite a previous refusal, after just three weeks his second application was successful. Zareen is a perfect professional lawyer and I definitely recommend her to anyone who has a law issue.

Faezeh

03-10-24

Karim and his team have been amazing. Thank you, Go Legal Ai

Karim and his team have been amazing in helping us to resolve a commercial dispute. The advice and approach was clear from our very first call. A dispute that had tourmented us for several years was resolved in a few weeks. From the bottom of my heart, thank you!! We would highly recommend Karim & Go Legal.

Salah

19-08-24

I utilised Go Legal and can only rate my experience with them as exceptional...

I utilised Go-Legal and can only rate Karim and his team as been exceptional.

Karim provided proper costings for our work which involved obtaining an Adjudication enforcement and winding up order against Apollo Builders Group Ltd director Syed Atif Ali.

Karim’s team were very successful and won all court cases. The company is now wound up.

Karim communicated well put in a plan to solve our legal issues and worked hard when our opponent attempted a number of deceitful acts to ruin proceedings.

I would advise going to go legal first before using other teams.

Jays

15-07-24

Karim the best solicitors I've ever seen before

Karim provided exceptional support during a challenging legal issue. His expertise, clear communication, and dedication led to a fantastic outcome. Highly recommend him for anyone needing a skilled and reliable lawyer.

Salah

15-08-24

Thanks so much Karim

Thanks so much Karim! Fast, quick and reliable as always!

Mimi

19-10-24

Easily accessible, very clear, very effective legal advice!

Karim gave me the most effective legal advice I have received in years, in a very clear manner. It is very obvious that Karim understood what I needed, and also knew exactly how to express these in ways that made perfect sense. I was able to make sensible decisions based on his advice. Karim and his Go legal team’s advice and tools being available to me at the right time mean that I can move my business forward efficiently, and with confidence.
I will definitely be using this service going forward!

Olayinka

30-05-24

Can I only give 5 stars?

Very quick first response ✅
Very quick offer of phone chat at a time to suit me ✅
Called when they said they would on a bank holiday ✅
Listened to the numerous issues ✅
Invested over four hours in discussing the issues and my options ✅
Explained everything in ways this creative type could easily understand ✅
Gave clear advice – outlined how they could help and suggested a DIY step I could take immediately ✅✅✅
Thanks Karim!
Can I only give 5 stars!

Ian

02-04-24

Exceptional work from Karim!

Karim went above and beyond to help us settle a debt dispute with a UK company that hadn’t paid us. As an international business, Karim was tremendously helpful and available to us throughout the process, even with time zone differences across our offices. We really appreciated the extended effort he took to tailor our needs! I very much look forward to working with him again and couldn’t recommend Go Legal more. Thanks so much again Karim!

Kaela

09-12-23

Highly Recommended Karim at Go Legal Ai

After months of struggling with a rather shady company and getting nowhere, I was recommended to speak with Karim at Go Legal. He was incredibly reassuring, listened to my complaint attentively, and clearly presented my options. Within a few weeks of negotiations with the opposing lawyer, Karim was able to secure a fantastic settlement for me. I was over the moon! He is calm, reassuring, and responsive. I highly recommend Karim at Go Legal to anyone in need of a good lawyer.

Lee

28-06-24

Karim thinks outside the box

Karim thinks outside the box. He has knowledge, experience and common sense. His main concern is the outcome for his client, rather than what others think the outcome should be. He challenges the status quo and gets the results.

Galina

30-05-2024

Best Lawyer Team!

I cannot speak highly enough of Karim and his team. Their dedication to their clients and attention to detail are truly remarkable. From start to finish, they demonstrated professionalism, expertise, and a genuine commitment to achieving the best possible outcome for my legal needs. I have worked with many lawyers in the past, but none have compared to the level of service and expertise provided by Karim and his team. If you’re looking for the best lawyers around, look no further. I wholeheartedly recommend them to anyone in need of legal assistance.

Digilency

26-05-2024

Honest, Transparent, Knowledgeable...

Karim sounded out my case as a free consult. I was extremely grateful to him for his honesty, integrity and wealth of knowledge. Highly recommend.

Digilency

23-08-2024

Recently had the opportunity to use Go Legal Ai

Recently had the opportunity to work with Karim and I can say that my time was worth it. Karim is someone who takes care of things instantly with constant attention to detail and perfection and the right person to work with in legal matters

Derin

12-07-2024

Amazing DIY legal platform

Karim, is personable and professional. He has a real desire to deliver the best outcome for your case. His attention to detail is next to none and constantly keeps you in the loop as a client. I trust his judgement and can’t recommend his services enough as a legal professional. You are in safe hands.

Jason

17-01-2024

Excellent Service

I have known Karim for many years and his work ethic and professionalism is excellent, similalrly throughout the team he has selected around him. His passion for his work is clear from all interactions with him and he transmits this through the quality of his work.

J A

07-07-2024

Excellent Service

Excellent service, esp from Atty Zareen. My husband’s visa was granted because of her hard work. She is very focused and gives regular updates.
I would use their service again.

Joel

21-06-2024

Karim and Aashma at Go Legal Ai

Karim and Aashma were brilliant in the way they advised us on the process during a difficult and stressful time. I can’t thank them enough for they help on the legal matter.

Darren

06-08-2024

Great work by Karim

Top of the line work done and executed by Karim. He has went out of his way in helping me settling down a lot of things in the UK. He has been helpful to us in many ways and really appreciate the effort done by him. Thank you very much, will be looking forward to get in touch again whenever there’s a legal work required. Highly Recommended firm

Darren

10-12-2023

I loved Go Legal Ai because I felt I could...

I loved Go Legal because I felt I could deposit my trust on them and they guided me through all the possibilities and process. Feeling informed made the journey more relaxed. They are very professional, empathetic and human! A rare combination nowadays. Thanks for your great work! I highly recommend.

Irina

09-01-2024

Karim's expertise and tutelage

Karim, with his sound experience in settling complex disputes, supervising that the agreements are right for you and most importantly analysing legal documents to know if you have a foot to stand on in your pursuit for justice and holding a strong case. I couldn’t recommend a more better person to help you with your needs.
Go-Legal is the way to go!

Calvin

08-12-2023

Unrivalled experience

Incredible service! He’s meticulous and most importantly doesn’t leave any stone unturned. His wealth of knowledge and experience gave me assurance and peace of mind when going through our litigation process and Karim was swift in his process from start to finish. His personable approach has made it a truly unrivalled experience!

Jay

11-05-2024

First Solicitor Firm I feel I can trust

For the first time in the last 7 years I spoke to a professional who WAS LISTENING to me so to best understand – in the short time available – what is going on and why I need to take my ex-solicitor to court.
It would feel right to have GoLegal help me with the professional negligence case, if time limitations allow to do so. Pity I did not speak to this Firm, months ago. Wow, they know what they are doing…
Conversation ended on such a positive note, thank you K. from GoLegal, thank you very much.

meS P

21-02-2024

Highly recommend Karim and his team

Highly recommend Karim and his team. It is our second time using Go Legal and we are very pleased with the result and service which continues to surpass expectations. Brilliant!

Sean

24-06-2024

I highly recommend Karim and his team!

I highly recommend Karim and his team!! I cannot recommend him highly enough. In all my years haven’t come across a better or more knowledgeable lawyer. We are grateful for his assistance and compassion.

Mesfin

23-02-2024

Karim and his team went above my expectations...

Karim and his team went above my expectations. He us diligent, sympathetic and most of all knowledgeable. His approach is very thorough and I would not hesitate to recommend him. Thank you Karim!

Miria

30-05-2024

Excellent all round

I recieved a free consultation call bang on the time agreed, from Karim, who was friendly and very professional. He listened well to all had to say, and though he couldn’t assist in this case has advised me and even sent me a link after to alternative help. Thank you Karim. A great appreciated service all round

Hannah

18-01-2024

Highly recommended for exceptional service

Karim and his team are very helpful. I mostly liked the free consultation service they offered. It helped me a lot to understand what I needed. I contacted them for immigration service and they provided an exceptional solution.

Iftekhar

09-05-2024

Karim provided a great service...

Karim provided a great service and allowed me to understand the process much more. All cases have a tremendous amount of moving parts which were well explained. Recommended.

DPM Construction

18-06-2024

Karim is very knowledgeable in his field. Great Platform

Karim is very knowledgeable in his field, gives great advice and most importantly is very easy to communicate with.

Speaking with some solicitors can be an intimidating process but Karim’s easy going approach is a breath of fresh air.

Highly recommended!

M S

02-06-2024

Excellent experience with Karim at Go Legal Ai

Excellent experience with Karim.
He was very helpful, polite and an excellent communicator. He is competent and professional
and responded always very quickly to our questions.
We highly recommend Karim.

RS

30-09-2024

Right from the start I knew we were in safe hands with Go Legal Ai

Right from the start I knew we were in safe hands, we had a consultation with Karim and discussed our case with him. We were given a clear strategy at the outset and everything panned out as he predicted. I cannot recommend Karim enough for any legal matter.

Sam

09-01-2024

Karim helped us resolve a commercial dispute...You're in safe hands

Karim helped us resolve a commercial dispute. I would highly recommend him. He’s very competent and caring throughout the process. And involved us in the decision making to get a successful outcome. You’re in safe hands.

May

08-12-2023

Best legal platform for all your legal needs

We have used several lawyers over the years Karim has been the best! He is passionate and has genuine intention to help clients get the best outcome. Always available for us whenever we need his help

Yousuf

08-12-2023

Excellent platform

Many thanks for your excellent work on my behalf, I extremely appreciate your help. You were so thorough, persistent, fair and transparent. I shall always say, I had the best possible solicitor to fight my cause. Thank you!

Evgenia

09-12-2023

Excellent legal support and advice

Karim has assisted in commercial ligitation. He was very helpful, pro active support and gave detsiled advice. I will be using their services in the future for all of my legal requirements.

Asim

24-05-2024

Grateful for an amazing DIY legal platform

We are grateful to Karim who helped our small business recover a debt within a few weeks. Very attentive even outside of normal working hours. Thank you so much!!

Gazi

26-01-2024

Impressive and exceptional service

I recently had the pleasure of working with Karim from Go Legal, and I am beyond impressed with the exceptional service I received. From the very first consultation, it was clear that Karim is deeply knowledgeable and genuinely invested in understanding every aspect of my case. His compassion and dedication to his clients are truly unparalleled.

If you’re looking for a legal firm that combines expertise with a personal touch, look no further than Go Legal. Karim and his team are truly a standout in their field, and I wholeheartedly recommend them to anyone in need of legal assistance. Their dedication to their clients’ well-being and their unwavering pursuit of justice make them an invaluable ally in any legal matter.

Raj

09-07-2024

Professional and very friendly legal platform

Karim, is very friendly and professional. We reached out for advice and process for what we believed was a contract breach issue.

Karim demonstrated a great understanding of contract law and provided invaluable guidance every step of the way – from our initial consultation to the resolution of the matter,

They took the time to thoroughly review the details of my case, patiently answered all of my questions, and provided clear and concise explanations of my options.

Thanks to their expertise, the contract breach issue was resolved efficiently and favourably.

I wholeheartedly recommend Karim to anyone in need of legal assistance. Their professionalism, expertise, and genuine care for their clients truly set them apart. If you’re facing a contract breach or any other legal challenge, look no further.

Samantha

15-04-2024

Honestly the best solicitors

Karim and his team are a god send. We have been dealing with a breach of contract construction dispute for several months which has caused us stress and anxiety. Karim was able to resolve it for us in a few weeks. Honestly the best lawyers I have come across. Diligent and well thought out advice.

Dominic

15-04-2024

Excellent all round!!!

Karim Oualnan at handled a contractual case to a successful resolution. Karim was diligent, always providing great, honest advice in which Karim always put my best interests at the forefront of his suggestions during the case. He is very reliable, trustworthy and always on hand to help. I would highly recommend Karim and look forward to working with him again in future.

Derrick

15-01-2024

Karim is a standout lawyer!

Karim is a standout lawyer! His approach is very strategic and always has the best intentions of the client in mind throughout. I would highly recommend him if you’re looking for a lawyer. You’re in safe hands!

Ceren O.

09-01-2024

Karim is an incredibly meticulous and astute lawyer!

Karim is an incredibly meticulous and astute lawyer who applies a high level of skill and intelligence to his work. There is no one else that I can think of who I would go to solve a commercial dispute due to his ability of solve problems and see the commercial angle and importance of legal issues. As is evidenced by his career so far he is very comfortable with leading on complex matters and you can trust that he will produce an excellent quality of work. He is also incredibly personable, diligent and hard-working.

Ross

13-12-2023

Karim was amazing

Karim was amazing, quick and effective just what you need. Very professional and makes it easy for you to understand everything. Always there when we need help and times of need. Worth every single penny!

Ant

09-05-2024

Absolutely super service and platform!

I received follow up legal advice from Karim that was extremely helpful and really helped me to clarify my situation and decide on my case progression

Absolutely super service.

Paul

09-07-2024

Very reactive and called within minutes. Great platform

Very reactive and called within minutes. Offered us lots of great advice which he didn’t need to offer up for free. Would recommend

Sonny

19-02-2024

Highly recommended

I have known Karim for several years and have nothing but praise for the way he conducts himself professionally. He is an outstanding Litigation Solicitor dedicated to achieving the best solutions for his clients. He is highly recommended

Khurshid

04-07-2024

Great Advice!

I recently worked with Karim at GoLegal and couldn’t be more pleased with the service I received. He provided exceptional advice regarding trademarks and offered valuable business insights. His expertise and thoroughness were evident in every interaction. I highly recommend Karim and GoLegal for anyone seeking professional and insightful legal guidance.

Kyle

30-05-2024

Professional, highly recommended

Thank you so much Karim for your Legal advice
Professional, friendly and helpful
I cannot be more grateful

Highly recommended

Angie Jo Fitness

17-01-2024

Legal Advice

It was astounding how much legal knowledge and experience Karim and the team possessed. They gave good legal advice and handled complicated legal matters with ease. Their handling of delicate situations with professionalism was admirable.

Jabel

26-05-2024

Go Legal Ai

Go-legal Ai has very professional and well mannered people who work hard to make sure your enquiries are dealt with as soon as possible.

Mar

20-02-2024

Second to none - Amazing!

Having spoken to multiple solicitors in the past few weeks I was at wit’s end, I was just as low as could be until I found Karim who gave me the confidence to keep going, his knowledge of my predicament was second to none.

James

19-06-2024

Karim gave me valuable advice and was very helpful

Karim gave me valuable advice and was very helpful
when i was unsure weather to pursue a claim for a Construction contractual dispute.

Jon

28-05-2024

Amazing service and experienced staff at Go Legal Ai

Amazing service and experienced staff. Help and advice was top quality and especially recommend Karim as giving a level of quality service above expectations. Thank you

Abdul

04-07-2024

Amazing service

Amazing service! He’s thorough and ensures no detail is overlooked. With his extensive expertise, he provided me with confidence and reassurance during our legal proceedings. Karim was efficient from beginning to end, and his friendly demeanor made it an unparalleled experience!

Zubair

12-05-2024

Karim was able to offer us some great advice

Karim was able to offer us some great advice in consultation. Very knowledgeable and considerate. Thank you Karim.

Sophie R

23-03-2024

Highly recommended lawyers

I highly recommend Karim as a commercial solicitor. While he worked on my matter, I was extremely impressed with his expertise, professionalism, and client-focused approach. He is a trusted advisor who will provide you with the expert legal advice you need to make informed decisions.

Remi

12-12-2023

Amazing in every way

I recently sought legal representation for a challenging litigation case and go-legal exceeded my expectations in every way. From the initial consultation, it was clear they were experienced and truly invested in getting the best outcome for me.

Karim, was particularly exceptional. His profound knowledge of the law and insightful strategies were invaluable throughout the process. He kept me informed, addressed all my concerns with patience and clarity, and consistently demonstrated genuineness.

Another massive thank you

SB

08-01-2024

5 stars!!

Karim and his team have been excellent in helping our company navigate the regulatory environment in the online competitions and gaming sector. His legal expertise has been invaluable in recent months, and we’re extremely grateful for his knowledge and support.

Liam

16-08-2024

Thanks from core of my heart!

I am writing to express my deepest gratitude for the service Ms.Zareen provided in securing the approval of my child’s Dependent visa following the initial refusal.

From the very beginning, her dedication and professionalism were evident. She took the time to thoroughly understand our situation, meticulously reviewed all the documents, and provided clear, concise guidance on the necessary steps to strengthen our case. Her expertise and strategic approach played a vital role in overturning the refusal.

I particularly appreciate how she maintained clear and constant communication, ensuring we were informed and reassured throughout the process ,showed remarkable attention in preparing our documents & displayed genuine compassion and understanding, which made a stressful situation much more manageable.

Thanks for her hard work and expertise.
We are incredibly grateful for the positive outcome.
Her efforts have had a profound impact on our lives, and we cannot thank you enough.
I will wholeheartedly recommend the services to anyone in need of immigration assistance, knowing they will be in the best hands.

Shah

04-08-2024

Thanks from core of my heart!

I am writing to express my deepest gratitude for the service Ms.Zareen provided in securing the approval of my child’s Dependent visa following the initial refusal.

From the very beginning, her dedication and professionalism were evident. She took the time to thoroughly understand our situation, meticulously reviewed all the documents, and provided clear, concise guidance on the necessary steps to strengthen our case. Her expertise and strategic approach played a vital role in overturning the refusal.

I particularly appreciate how she maintained clear and constant communication, ensuring we were informed and reassured throughout the process ,showed remarkable attention in preparing our documents & displayed genuine compassion and understanding, which made a stressful situation much more manageable.

Thanks for her hard work and expertise.
We are incredibly grateful for the positive outcome.
Her efforts have had a profound impact on our lives, and we cannot thank you enough.
I will wholeheartedly recommend the services to anyone in need of immigration assistance, knowing they will be in the best hands.

Shah

04-08-2024

Went above and beyond

Karim was easy to work with. Slight communication hiccup at the start, but more than made up for it with the work he did on my case. Happy with the outcome.

Jake

04-06-2024

Absolutely amazing

Karim has been so so great, he helped me throughout the whole process and even after. 100% recommended

Kd

17-06-2024

Karim has been absolutely amazing

Karim has been absolutely amazing, really helpful and responses were always really fast. I would 100% go back!

Kd

01-03-2024

Exceptional legal expertise and compassionate support

I am extremely pleased with the legal services provided by Karim and his team. Their expertise, professionalism, and prompt communication made a significant difference in my case. I also appreciated your display of empathy and understanding during a potentially stressful period for me. Your compassionate approach was truly valuable – a massive bonus for me personally. Highly recommended!

Justin

09-12-2023

Karim provided exceptional service

Karim provided exceptional service, demonstrating a high level of professionalism and competence. He was thorough, responsive, and always ensured that my needs were met promptly and efficiently. His expertise and attention to detail were evident in every interaction, making the entire process smooth and stress-free. I highly recommend Karim for his outstanding service and dedication to excellence.

TW

01-06-2024

Karim is an immaculate professional

Karim is an immaculate professional, going above and beyond to excel in his service. Couldn’t recommend highly enough!

Aman

11-12-2023

Exceptional service from Go Legal Ai

Karim was exceptional at providing me advice to my matters. He was attentive, knowledgeable and approachable. Moreover, GoLegal is a great platform for open-sourced legal information.

Antonio

30-04-2024

Go Legal Ai helped me a lot!

The owner of Go Legal helped me with the process of filing a pre-action protocol proforma and it went smoothly. I totally recommend their professionalism and also dedication.

Muizz

08-12-2023

Karim is an amazing asset to have in your corner

Karim is an amazing asset to have in your corner. Can’t recommend him and his team enough

Thomas

03-06-2024

Karim was extremely helpful and knowledgeable!

Karim was extremely helpful and knowledgeable.
Gave me sound advice on what I needed to do.

Steve

19-01-2024

Very helpful and informative

Very helpful and informative. Takes the time to address the details

Gotch

19-07-2024

Very helpful and friendly platform...

Very helpful and friendly impartial advice. Extremely thankful for the patience and time.

Louis

31-01-2024

Karim had exceptional dedication

Karim had exceptional dedication, a positive attitude and provided very helpful guidance. He constantly went above and beyond in every aspect.

Andre

08-12-2023

Great advice from the start

Great advice from the start, completely understanding & happy to discuss anything that your unsure about concerning

Robert

16-01-2024

Fantastic service given and a lot of help

Fantastic Service given and alot of help regarding ex business partner/supplier giving harassment and defamation. A cease and desist letter was recommended to resolve the issues. Definitely recommended.

Nick

17-06-2024

Exceptional platform and service throughout!

Exceptional service throughout the whole process. The information and advice provided was first class and exceeded my expectations.

Gavin

17-06-2024

I am delighted to share my heartfelt gratitude!

I am delighted to share my heartfelt gratitude and utmost appreciation for Zareen, the immigration consultant who expertly guided us through the British naturalisation process for my wife and two kids. From start to finish, Zareen’s exceptional service and unwavering confidence made an enormous difference in our journey.

Zareen’s expertise and professionalism were evident from our very first meeting. She thoroughly understood the complexities of our case and approached each challenge with a calm and positive demeanor. Her extensive knowledge of the naturalisation process and her ability to anticipate and address potential issues reassured us every step of the way.

What truly set Zareen apart was her constant communication and feedback. She kept us informed about the progress of our application, providing timely updates and constructive insights that helped us stay on track. Her positive attitude and encouraging words were a source of comfort, especially during moments of uncertainty.

Zareen’s dedication and meticulous attention to detail ensured that all our documentation was accurate and complete. Her proactive approach in preparing and submitting our application demonstrated her commitment to achieving the best possible outcome for our family.

Thanks to Zareen’s exceptional guidance, we successfully obtained British naturalisation for my wife and two kids. Her professionalism, confidence, and unwavering support made an otherwise daunting process smooth and stress-free. I wholeheartedly recommend Zareen to anyone seeking an immigration consultant who genuinely cares about her clients and delivers outstanding results.

Thank you, Zareen, for your outstanding service and for helping our family achieve this significant milestone. We are forever grateful for your expertise and support.

Aziz

09-07-2024

Professional and reliable

Karim is knowledgeable and very attentive in all details ensuring the process goes smoothly and transparent, Also very professional and reliable, throughout the process making it easier and more prompt, I definitely recommend it 🌟🌟🌟🌟🌟🌟

Rosana

17-05-2024

Excellent to have warm personable help!

Excellent to have warm personable assistance

Clare

16-10-2024

Thank you for the help!

Would highly recommend for drafting any contractual documents. Stand out firm

Ash

08-12-2023

Exceptional!!

Called in for information regarding my dissertation on civil law and was kindly provided with very useful information.

Ella

05-05-2024

Thank you Go Legal Ai!

Since I was in need of a lawyer, Karim was my go to. He was really listening to me and I felt heard. Thanks for your help

S D

02-03-2024

Great Platform!

karim gave me a call back and gave me advice on what I should do. Thank you

A Khan

12-03-2024

Very helpful!

Very helpful! Thanks Karim

MJ

26-06-2024

Free Consultation!

He listened and provided very good advise

Sola

04-07-2024

Recovered money for dispute

Great platform. Thank you Go Legal Ai

Maria

08-08-2024

Very caring and professional company

Very caring and professional company…

LJohn

12-05-2024

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