Service charges, costs and the FTT(PC)

Service charge disputes in the FTT(PC)/LVT are generally regarded as a “no” or “low” costs proceedings. The Tribunals have very limited powers to award costs. In general terms, the FTT(PC) can award unlimited sums in respect of either wasted costs or unreasonable behaviour (r.13, FTT(PC) rules), whilst the LVT (as it remains in Wales) can […]

Mystery Pre Action Protocols

There are new pre-action protocols in force from today, 6 April 2015, including the following: The Pre-Action Protocol for Judicial Review The Pre-Action Protocol for Housing Disrepair Cases The Pre-Action Protocol for Possession Claims by Social Landlords The Pre-Action Protocol for Possession Claims Based on Mortgage or Home Purchase Plan Arrears in Respect of Residential […]

Just because you are paranoid…

… doesn’t mean that they aren’t out to get you. The MoJ and Legal Aid Agency have put out a leaflet on Legal aid and “Help for people at risk of losing their home“. The trouble is that it doesn’t mention, anywhere, at all, not even in little small print, that tenants facing possession proceedings […]

Suspending belief

We have dealt with the basic facts in Scott v Southern Pacific Mortgages Ltd [2014] UKSC 52 when considering its previous incarnations (Cooke v Mortgage Business [2012] EWCA Civ 17 and Re North East Property Buyers Ltd [2010] EWHC 2991 (Ch)).  In summary, the basic question for the Supreme Court was this: where a seller has agreed, prior to the […]

You’ve got absoutely nothing out of this

For most parties that enter into litigation (save for those on CFAs and some who are legally aided) a win isn’t really a win unless the other side is also ordered to pay your costs. I say most, because certain litigants enter into litigation knowing that come what May their costs will be paid on […]

Mortgage possession: Lloyds and the arrears that weren’t

From the High Court in Northern Ireland comes a significant joined case of a mortgage lender behaving badly. Bank of Scotland, and indeed possibly the whole Lloyds group seem to have acted in this way, for which they have received an extremely severe judicial take down. The principles in this case may well have application […]

Odds and Sods

A few bits and pieces, none of which are worth their own post, including a couple of updates on old ‘friends’. First, as you have probably noticed, the blog has had a redesign (yes, another one). There are a couple of reasons for this: partly for a more contemporary, cleaner look, which should hopefully be […]

Ghopee. Hopeless.

Dunfermline Building Society v Ghana Commercial Finance Ltd & Ors (2014) QBD (Merc) 16 July 2014 [Not on Bailii. Lawtel note of extempore judgment.] Regular readers will know of our interest in Mr Dharam Ghopee (or Gopee), our very favourite unlawful money lender to vulnerable individuals  at hugely extortionate if unenforceable rates. It appears that […]

Mortgage possession defences

I can distinctly remember my university lectures on mortgages. Not the content – I don’t think I ever really understood that – but the “gap” that existed (and still exists) between the popular understanding of what a mortgage is and what, in law, it amounts to. In particular, I remember being amazed that a mortgage […]

The oxygen of publicity: Paratus and Moore Blatch LLP

Not strictly speaking a housing case, though it is a mortgage repossession matter. But when a High Court Judge orders that a ‘clear and repeated contempt of court should attract proper sanction in the form of publicity’, who are we to refuse to assist? Paratus AMC Ltd v Lewis [2014] EWHC 1577 (Ch) Mr Lewis […]