Kate’s financial worries demonstrate the need for LPA

TV personality Kate Garraway’s publicized financial worries, due to her husband currently being in a coma in hospital due to the coronavirus, is a timely reminder of the importance of Lasting Power of Attorneys (LPAs).

Kate’s husband Derek was diagnosed with coronavirus back in March. Although he is now testing negative for the illness he is still in hospital battling against the virus’ aftermath.

This has left Kate alone, to parent their two children and to deal with the household finances and insurance policies. The latter which she is struggling with, due to Derek being the named person on the bills and different policies.

Kate spoke very open and honestly about her financial worries, on Good Morning Britain.

She said:

“One of the practical problems – which a lot of people would’ve experienced if they’ve got the absence of someone in their life – like many thing the car is entirely in Derek’s name, the insurance is in Derek’s name, a lot of our bank accounts.

“There are a lot of financial going that I’ve talked to you both about going on, which is making life very complicated because I can’t get access to things.”

She added:

“Because legally I haven’t got power of attorney. And all this other stuff that goes on when you’re dealing with a situation where someone’s been sick for a long time.”

Whilst people have been using the time in lockdown to get their affairs in order by creating Wills, it’s also beneficial to talk to your clients about the benefits of an LPA.

Kate Garraway’s situation clearly demonstrates the importance of an LPA, and may break the taboo around them only being needed for elderly or vulnerable relatives.

The ongoing trend of leaving a digital legacy

The ongoing trend of leaving a digital legacy

The ongoing trend of leaving a digital legacy
By the end of this century, the number of dead people on the popular social media network, Facebook, is expected to outnumber living members – turning it into the world’s biggest ‘virtual graveyard’.

Additionally, a recent YouGov survey revealed that 26% of people would like the content of their social media accounts to pass to their loved ones once they have died. The survey showed that 67% of respondents wanted their social media accounts taken offline after their death and only 7% wanted them to remain online.

Due to the strong interest in social media and our ‘online life’, the trend of people looking to leave farewell messages to their loved ones via various social networks or online platforms is becoming more common.

Digital legacies can cause issues linked to privacy rules and data protection regulations, highlighting the question of who ‘owns’ your virtual life. Online assets are being viewed as an increasingly important subject and many people are now including clauses about them in their Wills. It is not clear what happens to data collected during a lifetime after someone passes away, which could potentially cause upset to family members if there is any uncertainty.

It is important to discuss your wishes regarding your online accounts with your Executor so that your final wishes are carried out, regardless of your intentions.

Contact us today for more information on digital legacies.
Home Visit, Virtual and Telephone Appointments available where applicable in :
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COVID-19 impacts probate applications in the UK

COVID-19 impacts probate applications in the UK

In June, it was widely reported that HM Courts & Tribunals Service (HMCTS) had been receiving a surge in probate applications. The Government tried to manage the surge in demand by hiring additional staff and upskilling existing staff to clear the backlog which resulted in average turnaround times of five to six weeks.
In a recent interview, Stephen Burgess from HMCTS provided reassurance that measures are in place to progress applications at an improved pace. “We have put significant extra resources into the probate service to prepare for any increases in levels of receipts,” Burgess said.
With the average probate application submitted 3 months after registration of a death, HMCTS is still anticipating a peak in applications from 5,000 per week to 9,000 due to the pandemic, but say they are prepared for the increased impending workload.
Probate registries have been under scrutiny for many months due to processing delays. The delays originally began after the rollout of a new IT case management system in spring 2019 which dramatically slowed down processing applications.
Despite HMCTS claims that applications are being processed promptly, some Executors, Administrators and estate administration providers are still reporting longer waits for Grants to be issued in some cases.

Saddleworth Will Writing Services

Saddleworth Will Writing Services

Home Visit Will Writing Services in Saddleworth

Call us today on 0800 368 9770 and get your will sorted

We’ll Set Up Your Will Quickly and Easily

As part of the Will Writers Network we offer clients a hassle-free service to create your Will in just a quick home visits around 1-2 hrs. Our will writers are based in Saddleworth covering Austerlands, Delph, Denshaw, Diggle, Dobcross, Friezland, Grasscroft, Greenfield, Grotton, Lydgate, Scouthead, Springhead and Uppermill.  – . 

No Forms To Fill In

There are no forms to fill in. We do all the work. All you need to do is answer a few questions.

Convenient home visits in the Saddleworth postcode area

Our Will Writers provide home visits in the daytime, evening and at weekends – whatever’s most convenient for you. You don’t need to take any time off work.

Our professional Will Writers make it all easy and free from stress. You don’t have to fill out any complicated forms. Your friendly local-based Will Writer will simply ask you all the questions needed to have your Will drafted. This usually takes no longer than 60 – 90 minutes dependent on complexity, in the comfort of your own home, at a time to suit you.

Simple Process, Competitive Fixed Prices

The process of making a Will is made as simple and easy as possible, without any unnecessary legal jargon, and our Will Writer’s prices are amongst the most competitive on the market considerably cheaper than office based solicitors’ fees.

Save Money

Our Prices for standard Wills

Type of Service
 Single Will
 Joint/Mirror Will

Making a Will
 £110.00
 £155.00

Lifetime Storage
 £40.00
 £80.00

Your Local Will Writer in Saddleworth

All our Wills are individually drafted by specialist  Legal Will Executives. We do not use fill-in-the-blanks templates. Your Will expresses your own wishes and our professionals can advise you on ways to reduce the burden of inheritance tax.

Your Wishes

A will stands as the legal, written record of your wishes after your death. It is a legally binding document explaining how you wish to be buried, and how you would like to distribute your Estate. It’s gives you complete peace of mind knowing that your loved ones are taken care of, as you want.

Don’t Fall Prey To Intestacy 

Without a will, your estate is divided according to the rules of intestacy, and your wishes may not be carried out by the person who inherits – especially if you have step-children, who get nothing if you die without a will, and have no say in your burial or your estate under the law of intestacy. These days, it’s not unusual for families to fall out over a dead relative’s estate, and permanent damage is done to previously stable families by greedy relatives.

At the Abbey Broadway we understand the significance of a written Will and what it means to your life. We offer you the very best will writing service in the UK to ensure you avoid any future family disputes and to make certain that your assets are distributed according to your wishes.

Leave Nothing to Chance.

Your Will is important and must be drawn up by expert Will Writers – at Abbey Broadway we leave no stone unturned to offer you professional will writing services in Saddleworth, protecting your assets and ensuring your loved ones are cared for as you intend.

We offer professional will writing services and experienced will writing advice, tailored to your own individual circumstances and needs.

The Will Writers Network represents only professional Will Writers who are members of recognised Will Writing Institutes in the UK, and who are signed up to the Will Writers Network Code of Professional Conduct.

Next Steps

To discuss how to put together your own Will in more detail, informally and without obligation, call us today on 0800 368 9770 or use our simple online form by clicking here.

So if you’re looking for help writing your will, let our local will writers visit you where ever you are in the Salford and you’ll soon have the peace of mind your love ones will be taken care of after your passing. Call us now and let us help you.

Video Will witnessing to be made legal in England and Wales

Video Will witnessing to be made legal in England and Wales

As of September 2020, the Wills Act 1837 will be amended to allow the two Will witnesses to be virtually or physically present.
This is a very welcomed announcement due to the challenges placed by those trying to plan for their future during the COVID-19 pandemic. With shielding, isolation and social distancing measures in place nationally since March 2020, those making a Will (testators) and their witnesses were unable to adhere to the existing Will laws and guidelines.
The existing law states that Wills must be made in the presence of two witnesses so that each has a clear line of sight to each signature made. Historically, this has always meant that there must be a physical ‘presence’ among all parties. Questions were raised early in the pandemic about the likelihood of a Will witnessed remotely being legally accepted however, until now, there was no official flexibility from the Ministry of Justice on the matter.
The amended law will allow Wills created between 31 January 2020 and 31 January 2022 to be recognised if it was witnessed using video technology. During the pandemic, some testators took the risk of creating a Will via video and this amendment to the law will provide peace of mind to those individuals that their last wishes will still be respected during these exceptional times.

So, what has changed?

While the process has remained relatively similar to the existing law, other than the new option to witness signatures virtually, the Ministry of Justice has provided four steps to help with clarity and consistency:
Step 1: The testator and all witnesses must have a clear view of all actions that they each make on video. For instance, the camera needs to be positioned in a way that allows for a clear line of sight of the paper being signed and not just the head and shoulders of the testator/witnesses. It is also crucial that the sound and visual quality are clear.
Step 2: Each witness must confirm that they acknowledge their role as a witness of the testator’s Will.
Step 3: Electronic signatures will not be acceptable so the original Will must be taken to each witness for signature within 24 hours or as soon as possible after the process has commenced.
Step 4: Each witness must follow step 1 using the same video technology if they are not in the same physical location as each other. Both witnesses must sign the Will before it is considered valid.

Ministers have reinforced the fact that witnessing via video should only be done as a last resort when meeting in person is either impossible or unsafe. They also remind Will makers that all signing must take place in real-time as using a pre-recorded video at any point will invalidate the process.

Should there be further developments on this topic, we will be sure to provide necessary updates.

Topics: Will Making, Wills

Top 10 Funeral Plans Quotes – Compare Leading Providers

Get Affordable Prepaid Funeral Plans Quotes | Nationwide 0800 368 9770


 Prepaid Funeral Plans Quotes | Compare Funeral Plans Nationwide 

Struggling To Find A Cheap Funeral Plan? Compare The Top Plan Providers In Minutes. Get A Quote. Compare Plans, Save Money & Fix Your Funeral Costs At Today’s Prices. Start Your Quote Now. Guaranteed Acceptance, Choose Your Cover Level. No Health Checks or Medicals required

Freeze the cost of funeral expenses in the UK at today’s prices & protect your loved ones from rising funeral costs

STEP 1:

ENTER YOUR DETAILS

Take Advantage Of Our Funeral Plan Comparison Service

With access to a wide range of popular UK funeral plans, we can help you find a plan that suits you at the lowest monthly premium.

Beat Rising Funeral Costs in Your Area

The average funeral cost has risen by over 100% since 2004†. Protect against future high prices by securing your ideal funeral plan at today’s low cost rates.

Compare UK’s Leading Plans

We compare the market so you can find your perfect funeral cover plan. Use our free comparison service to find quotes from the UK’s leading providers.

Financial Help For Your Family

Don’t leave your loved ones behind with the set back of paying for your funeral. The pre-paid plan will guarantee a cash lump sum when you are gone.

Why Pre-pay For Your Funeral?

Funeral Costs Covered throughtout the UK

Ultimately taking out a funeral plan means that your family only need to be involved with funeral arrangement and not with administration or finances. The costs of your funeral are already covered.

Save Money

According to the latest SunLife industry report”the cost of a basic funeral funeral has risen for the 14th year in a row”. By taking out a funeral plan today, your funeral will still be covered in the future and there won’t be anything extra to pay even though the cost of a funeral will have increased by then.

Peace Of Mind

Rest assured that your loved ones will not be left behind with financial worries for your funeral. At the time of mourning and supporting each other, money should not be an issue.

Special Offer
We are currently offering up to £100 Cashback

Payments of Cashback

To qualify for our cashback offer the funeral plan must be purchased through our “weblink” and you must be in receipt of a unique Abbey Broadway reference number at the time of purchase. If a plan is purchased in full, cashback will be paid once the 30 days Cooling Off period has passed
For other payment methods:
Cashback will be paid once the plan has been in force for 12 months and all the payments must be up to date.
Cashback is paid in the form of a bank transfer or a cheque made out to the name of the plan holder

Find Your Ideal Funeral Plan in Your Area >>

Compare Prepaid Funeral Plan Providers and Quotes in the UK

Home Visit, Virtual and Telephone Appointments available where applicable in :
Aberdeen |St Albans | Berkshire |Birmingham | Bath | Blackburn | Bradford | Bournemouth | Bolton | Brighton | Bromley | Bristol | Belfast | Buckinghamshire | Bury | Burnley | Carlisle | Cambridge | Cambridgeshire | Cardiff | Chester | Cheshire | Chelmsford | Cleveland |Colchester | Croydon | Canterbury | Cornwall | Coventry | Crewe | Cumbria | Dartford | Derby | Darlington | Derbyshire | Devon | Doncaster |Dorset | Dorchester | Dudley |Dumfries |Durham | East Riding of Yorkshire | East Sussex | Enfield | Exeter| Fylde | Glasgow | Gloucester | Gloucestershire | Guildford | Harrow | Huddersfield | Harrogate | Hemel Hemstead | Hereford | Herefordshire  | Hertfordshire | Hull | Halifax | Ilford | Isle of Man | Ipswich | Isle of Wight | Inverness | Kilmarnock | Kingston | London | Liverpool | Lancaster | Llandrinod | Leicester | leicestershire | Llandudno | Lincoln | Lincolnshire | Leeds | Luton | Manchester | Medway | Milton Keynes | Motherwell | Newcastle upon Tyne | Norfolk | North Yorkshire | Nottingham | Northampton | Northamptonshire |  Northumberland | Newport | Norwich | Oldham | Oxford | Oxfordshire | Paisley | Peterborough | Perth | Plymouth | Portsmouth | Preston | Reading | Redhill | Romford | Rotherham | Rutland | Salford | Sheffield | Shropshire | Swansea | Stevenage | Stockport | Slough | Sutton | Swindon | Southampton | Salisbury | Sunderland | Somerset | Southend | Staffordshire | Stoke on Trent | Shrewsbury | Suffolk | Surrey | Taunton | Telford | Tunbridge Wells | Torquay | Truro | Teeside | Twickenham | Tyne & Wear | Uxbridge | Warrington | Warwickshire | Watford | Wakefield | Wigan | Worcester | Walsall | West Sussex | Wiltshire | Wolverhampton | Worcestershire | York |

Heterosexual civil partnerships are now legal

Heterosexual civil partnerships are now legal

After a landmark Supreme Court ruling, the Civil Partnerships Act 2004 has been amended to allow heterosexual couples to formalise their relationship with a civil partnership as an alternative to marriage. This took effect on 31st December 2019.

With approximately 84,000 heterosexual couples expected to form civil partnerships in 2020, we took a closer look at the potential impact of this new status.

In brief, there is not much difference in the treatment of civil partners vs. married couples when it comes to the administration of an estate.

For example, when someone with an existing Will gets married or enters into civil partnership, the Will is automatically revoked, becomes void and must be updated as soon as possible to maintain its validity. Otherwise, that individual’s estate would be distributed according to the rules of intestacy upon their death.

Additionally, any Inheritance Tax exemptions made available to a surviving spouse who is a beneficiary of their spouse’s assets, are equally available to surviving civil partners. Civil partners are also able to transfer their unused nil rate band allowance to their partner in order to reduce the potential tax payable on the second death, akin to spouses.

A key benefit of this option is the stability and legal recognition available to the 3.3 million cohabiting couples in the UK who may desire this assurance, but do not wish to be married.

Please get in touch if you have questions about administering an estate or updating your Will after a significant life event.

St Albans | Birmingham | Bath | Blackburn | Bradford | Bournemouth | Bolton | Brighton | Bromley | Bristol | Carlisle | Cambridge | Cardiff | Chester | Chelmsford | Colchester | Croydon | Canterbury | Coventry | Crewe | Dartford | Derby | Darlington | Doncaster | Dorchester | Dudley | Enfield | Exeter| Fylde | Gloucester | Guildford | Harrow | Huddersfield | Harrogate | Hemel Hemstead | Hereford | Hull | Halifax | Ilford | Ipswich |London | Liverpool | Lancaster | Llandrinod | Leicester | Llandudno | Lincoln | Leeds | Luton | Manchester | Medway | Milton Keynes |Newcastle | Nottingham | Northampton | Newport | Norwich | Oldham | Oxford | Paisley | Peterborough | Perth | Plymouth | Portsmouth | Preston | Reading | Redhill | Romford | Rotherham | Sheffield | Swansea | Stevenage | Stockport | Slough | Sutton | Swindon | Southampton | Salisbury | Sunderland | Southend | Stoke on Trent | Shrewsbury | Taunton | Telford | Tonbridge | Torquay | Truro | Teeside | Twickenham | Uxbridge | Warrington | Watford | Wakefield | Wigan | Worcester | Walsall | Wolverhampton | York |

How Abbey Broadway is Responding to Coronavirus (COVID-19)

How Abbey Broadway is Responding to Coronavirus (COVID-19)

With the coronavirus (COVID-19) situation developing quickly, we believe it’s important to be transparent about how Abbey Broadway is responding to the outbreak. Our philosophy as a business is to approach this situation with empathy and urgency; Abbey Broadway’s top priority is the health and safety of our employees and of the communities we serve, including our customers, partners and prospects

Employee Travel

All company-related travel and home visits is currently under review. We believe that limiting travel is our safest and best option for reducing the risks of infection. Employees with pre-planned home visit appointments, customer visits, or events are receiving assistance to cancel their travel. For Abbey Broadway consultants in regions with rapid spread and a high number of confirmed cases of coronavirus locally, this will include canceling in-person appointments

Remote Work

Abbey Broadway has always been a strong proponent of remote work receiving hundreds of will writing instructions via our postal and online service. In light of the current situation, we are leaning even more heavily into remote work and is asking potential client to arrange their wills this way

Abbey Broadway Home Visits

For anyone planning a Home visit appointment, or move forward with an in-person meeting with an Abbey Broadway employee, we encourage you to first connect with your Abbey Broadway Consultant to confirm their visit or postpone it. In regions with high- and medium-risk of infection, we discourage in-person meetings and visits for customers, partners, and candidates. And if you’ve recently traveled to an impacted area, we encourage you to cancel your home visit appointment.

In addition to taking the precautions above, we are keeping empathy top of mind. It is a stressful time for our communities around the country, and so we want to do everything we can to minimize panic and maximize safety.

We hope this information is helpful in understanding how Abbey Broadway is responding to coronavirus, and we appreciate the continued support from our employees and customers.

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Burnley Will Writing Services

Home Visit Will Writing Services in Burnley

We’ll Set Up Your Will Quickly and Easily

As part of the Will Writers Network we offer clients a hassle-free service to create your Will in just a quick home visits around 1-2 hrs. Our will writers are based in Burnley  – . Call us today on 0800 368 9770 and get your will sorted

No Forms To Fill In

There are no forms to fill in. We do all the work. All you need to do is answer a few questions.

Convenient home visits in the Burnley postcode area

Our Will Writers provide home visits in the daytime, evening and at weekends – whatever’s most convenient for you. You don’t need to take any time off work.

Our professional Will Writers make it all easy and free from stress. You don’t have to fill out any complicated forms. Your friendly local-based Will Writer will simply ask you all the questions needed to have your Will drafted. This usually takes no longer than 45 to 60 minutes, in the comfort of your own home, at a time to suit you.

Simple Process, Competitive Prices

The process of making a Will is made as simple and easy as possible, without any unnecessary legal jargon, and our Will Writers’ prices are amongst the most competitive on the market, considerably cheaper than solicitors’ fees.

Save Money

Our Prices for standard Wills

Type of Service
 Single Will
 Joint/Mirror Will

Making a Will
 £110.00
 £155.00

Lifetime Storage
 £40.00
 £80.00

Your Local Will Writer in Burnley

All our Wills are individually drafted by legal executives. We do not use fill-in-the-blanks templates. Your Will expresses your own wishes and our professionals can advise you on ways to reduce the burden of inheritance tax.

Your Wishes

A will stands as the legal, written record of your wishes after your death. It is a legally binding document explaining how you wish to be buried, and how you would like to distribute your Estate. It’s gives you complete peace of mind knowing that your loved ones are taken care of, as you want.

Don’t Fall Prey To Intestacy                                                                              

Without a will, your estate is divided according to the rules of intestacy, and your wishes may not be carried out by the person who inherits – especially if you have step-children, who get nothing if you die without a will, and have no say in your burial or your estate under the law of intestacy. These days, it’s not unusual for families to fall out over a dead relative’s estate, and permanent damage is done to previously stable families by greedy relatives.

At the Abbey Broadway we understand the significance of a written Will and what it means to your life. We offer you the very best will writing service in the UK to ensure you avoid any future family disputes and to make certain that your assets are distributed according to your wishes.

Leave Nothing to Chance.

Your Will is important and must be drawn up by expert Will Writers – at Abbey Broadway we leave no stone unturned to offer you professional will writing services in Burnley, protecting your assets and ensuring your loved ones are cared for as you intend.

We offer professional will writing services and experienced will writing advice, tailored to your own individual circumstances and needs.

The Will Writers Network represents only professional Will Writers who are members of recognised Will Writing Institutes in the UK, and who are signed up to the Will Writers Network Code of Professional Conduct.

Next Steps

To discuss how to put together your own Will in more detail, informally and without obligation, call us today on 0800 368 9770 or use our simple online form by clicking here.

So if you’re looking for help writing your will, let our local will writers visit you where ever you are in the Burnley and you’ll soon have the peace of mind your love ones will be taken care of after your passing. Call us now and let us help you.

Nelson, Barnoldswick, and Colne, Cliviger, Haggate, Harle Syke, Reedley, Worsthorne, Dunnockshaw and Clowbridge, Hapton, Barley, Fence, Hapton, Higham, Padiham, Read, Simonstone, Wheatley Lane

Blackburn Will Writing Services

Home Visit Will Writing Services in Blackburn

We’ll Set Up Your Will Quickly and Easily

As part of the Will Writers Network we offer clients a hassle-free service to create your Will in just a quick home visits around 1-2 hrs. Our will writers are based in Blackburn  – . Call us today on 0800 368 9770 and get your will sorted

No Forms To Fill In

There are no forms to fill in. We do all the work. All you need to do is answer a few questions.

Convenient home visits in the Blackburn postcode area

Our Will Writers provide home visits in the daytime, evening and at weekends – whatever’s most convenient for you. You don’t need to take any time off work.

Our professional Will Writers make it all easy and free from stress. You don’t have to fill out any complicated forms. Your friendly local-based Will Writer will simply ask you all the questions needed to have your Will drafted. This usually takes no longer than 45 to 60 minutes, in the comfort of your own home, at a time to suit you.

Simple Process, Competitive Prices

The process of making a Will is made as simple and easy as possible, without any unnecessary legal jargon, and our Will Writers’ prices are amongst the most competitive on the market, considerably cheaper than solicitors’ fees.

Save Money

Our Prices for standard Wills

Type of Service
 Single Will
 Joint/Mirror Will

Making a Will
 £110.00
 £155.00

Lifetime Storage
 £40.00
 £80.00

Your Local Will Writer in Blackburn

All our Wills are individually drafted by legal executives. We do not use fill-in-the-blanks templates. Your Will expresses your own wishes and our professionals can advise you on ways to reduce the burden of inheritance tax.

Your Wishes

A will stands as the legal, written record of your wishes after your death. It is a legally binding document explaining how you wish to be buried, and how you would like to distribute your Estate. It’s gives you complete peace of mind knowing that your loved ones are taken care of, as you want.

Don’t Fall Prey To Intestacy                                                                              

Without a will, your estate is divided according to the rules of intestacy, and your wishes may not be carried out by the person who inherits – especially if you have step-children, who get nothing if you die without a will, and have no say in your burial or your estate under the law of intestacy. These days, it’s not unusual for families to fall out over a dead relative’s estate, and permanent damage is done to previously stable families by greedy relatives.

At the Abbey Broadway we understand the significance of a written Will and what it means to your life. We offer you the very best will writing service in the UK to ensure you avoid any future family disputes and to make certain that your assets are distributed according to your wishes.

Leave Nothing to Chance.

Your Will is important and must be drawn up by expert Will Writers – at Abbey Broadway we leave no stone un turned to offer you professional will writing services in Blackburn, protecting your assets and ensuring your loved ones are cared for as you intend.

We offer professional will writing services and experienced will writing advice, tailored to your own individual circumstances and needs.

The Will Writers Network represents only professional Will Writers who are members of recognised Will Writing Institutes in the UK, and who are signed up to the Will Writers Network Code of Professional Conduct.

Next Steps

To discuss how to put together your own Will in more detail, informally and without obligation, call us today on 0800 368 9770 or use our simple online form by clicking here.

So if you’re looking for help writing your will, let our local will writers visit you where ever you are in the Blackburn and you’ll soon have the peace of mind your love ones will be taken care of after your passing. Call us now and let us help you.

 Burnley, Accrington, Barnoldswick, Clitheroe, Colne, Darwen, Nelson and Rossendale
Blackburn, Bank Hey, Belthorn , Blackamoor, Clayton-le-Dale, Guide, Knuzden, Mellor, Ramsgreave, Rishton, Salesbury, Shadsworth, Sunnybower, Tottleworth, Whitebirk, Wilpshire,Beardwood, Balderstone, Cherry Tree, Feniscowles, Griffin, Holly Tree, Livesey, Mellor, Mellor Brook, Mill Hill, Osbaldeston, Pleasington, Witton, Dinckley, Great Harwood, Langho