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bhall last won the day on February 10 2014

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About bhall

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  1. Given the complaints, does or has Ofcom taken any action. Given what you see on the show.. I would hate to see what they get away with off camera....
  2. Hello This might help answer any questions you have https://www.insolvencydirect.bis.gov.uk/technicalmanual/
  3. You may wish to check decisions in more recent cases that follow the precedent set by this case. I have made you aware of it, what you now do is down to you. I wish you well in whatever you do
  4. Paragon Finance Plc v Pender & Anor [2005] EWCA Civ 760 (27 June 2005) 109. In my judgment Mr and Mrs Pender's case on this issue is misconceived. It is common ground that Paragon, as registered proprietor of the Legal Charge, retains legal ownership of it. One incident of its legal ownership – and an essential one at that – is the right to possession of the mortgaged property. I can see no basis upon which it can be contended that an uncompleted agreement to transfer the Legal Charge to the SPV (that is to say an agreement under which, pending completion, the SPV has no
  5. Showing a little more courtesy to the people that post in response to your numerous posts about nram, would not go a miss either. You might get more people responding to you
  6. I think the point is that you have asked a question and to enable someone to answer it, Caro has asked you both rational and sensible questions. If you want an answer to a question, I am sorry you will have to provide further information.
  7. I found this one that had already been posted on CAG Ben SPML MSA.pdf
  8. Hello Hannah Have you been able to make any progress ?
  9. If the interest rate they have at the moment is acceptable to them, they could just check with their current lender if there are any restrictions on making over payments to the mortgage loan account. If there aren't, they can just make higher monthly payments to the account (ensuring that they request, on a regular or at least on an annual basis that any prepayment balance is used to reduce the capital, some lenders will do this automatically some don't, it will also depend on your mortgage product). Some lenders only allow lump sum payments - if this applies to your friend's lender, your
  10. Thank you HB, very much appreciated Hanham, I have not had the chance to read all of the guidance yet but this may be of interest to you https://www.gov.uk/government/publications/whole-of-registered-title-assent-as1/completing-forms-ap1-and-as1-for-the-assent-of-a-registered-property#how-to-complete-form-ap1 When I get a few spare minutes over the weekend, I will read it properly and see if it useful
  11. EDITED Hello Hanham. I am really sorry for your loss, I can understand how hard it must be for you to deal with all of this whilst you are still grieving. Back in the 80's / 90's, when someone was sold an endowment mortgage, the lender would request that the endowment is assigned to them. This ensured that when the endowment matured, the funds were paid to the lender and not to the borrower. However, this has not happened for many years now. The funds from the endowment will now form part of the estate and as such the executor / administrator can request payment of th
  12. 31. Goode, despite his reservation as to judicial conservatism in 23.9, "suggested that the principle to be applied is as follows: the creditor is estopped from resiling from all express statements as to the debtor's rights and immunities (whether expressed directly or by reference to the [1974 Act]) which could validly have been made terms of the agreement and which represent the common assumption of the parties. With regard to terms which are not expressly spelled out in the agreement, the position is more doubtful. If the estoppel principle were to be taken to its logical conclusion, the de
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