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Do you accept that there were problems with your work? I also wanted to make you aware that this is not always an instant service, due to various legal engagements I could have and I may not be able to reply immediately. However, rest assured that I am dealing with your query and will get back to you as soon as I can. Thanks.
Do you accept that there were problems with your work?
Ok thanks. The lack of insurance simply means that if there is a genuine claim, you will be responsible for it, rather than being able to cover yourself with insurance and use it to pay out any potential claim.
Even if 3 years have passed since the work, you could still be liable now if you did not carry out your work with reasonable care and skill, or to a reasonable standard. A breach of contract claim has a 6-year time limit so the client could potentially make a claim against you within these 6 years after the provision of the services. However, they would have to show that you had failed to carry out the work to a reasonable standard, or in accordance with any terms and conditions that existed between you and them.