Mortgage Repossession Case Law (English law)

Descripción

A selection of cases providing many of the basic principles to be exercised in defending an application from a mortgagor to suspend/set aside a possession order or warrant.
Sarah King
Fichas por Sarah King, actualizado hace más de 1 año
Sarah King
Creado por Sarah King hace casi 10 años
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Resumen del Recurso

Pregunta Respuesta
Abbey National v Mewton D's poor payment record can be considered as evidence that D is unlikely to clear arrears within a reasonable period of time.
Cheltenham & Gloucester Building Society v. Norgan 'within a reasonable period of time' - starting point is the entire remaining term of the mortgage
Mortgage Services Funding plc v. Steele Unless there is firm evidence that a sale is about to complete, the court should not normally prevent C from enforcing his legal remedy of possession
Cheltenham & Gloucester v. Krausz and another Where the proceeds of sale will not discharge the mortgage debt (negative equity), S.36 does not allow the court to suspend the possession order to allow D to sell (unless D can show other funds to make up shortfall)
Habib Bank v. Tailor S.8 cannot be applied to all monies charges because: No permission for D to defer payment The written demand from the bank makes the money due, so there cannot be any provision for early repayment
Gomba Holdings UK Ltd v. Minories Finance Ltd An order for the payment of costs is always a discretionary one. This discretion should normally be exercised to reflect C's contractual right to all costs on indemnity basis.
Halifax v. Taffs C had possession order suspended several times and then applied to have it set aside. Court refused - D had not acted promptly and had treated the order as valid by making applications to suspend it.
Cheltenham & Gloucester Building Society v. Grattidge and Grattidge The court can make a money judgment suspended on the same terms as the possession order. This is not inconsistent with S.8
Hammersmith and Fulham LBC v. Hill Once a suspended possession order has been breached, enforcement can be enacted without further notice to the tenant.
Citibank Trust plc v. Ayivor The existence of a counterclaim does not satisfy S.36 in showing that D will be likely to clear arrears within a reasonable period, even if the counterclaim has a reasonable prospect of success.
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