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Mortgage Business plc v O’Shaughnessy

Hearings

England & Wales

19 Nov 2010 [2010] EWHC 2991 (Ch), Ch D (Judge Behrens)

24 Jan 2012 [2012] EWCA Civ 17; [2012] 1 WLR 1521; [2012] HLR 21; [2012] 1 EGLR 89; [2012] 1 P & CR 18, CA (Lord Neuberger of Abbotsbury MR, Rix, Etherton LJJ)

26 Jul 2012 (appn all) [2012] 1 WLR 2373, SC(E)

22 Oct 2014 (Mortgage Business plc intervening) [2014] UKSC 52; [2015] AC 385; [2014] 3 WLR 1163; [2015] 1 All ER 277; [2014] HLR 48; [2014] WLR (D) 447; The Times, 28 October 2014; Case details, SC(E) (Baroness Hale of Richmond DPSC, Lord Wilson, Lord Sumption, Lord Reed JJSC, Lord Collins of Mapesbury)

Additional names

Southern Pacific Mortgages Ltd v Thompson

Southern Pacific Mortgages Ltd v Old

Southern Pacific Mortgages Ltd v Wilkinson

Southern Pacific Mortgages Ltd v Scott

Subject Matter

LAND REGISTRATION — Overriding interest — “Actual occupation” — Vendor prior to sale agreeing to pay back significant part of completion money to purchaser in return for right to continue in occupation — Exchange of contract of sale, completion and execution of mortgage all taking place on same day — Vendor remaining in occupation pursuant to tenancy granted by purchaser — Mortgagee’s claim for possession — Whether vendor having overriding interest taking priority over mortgagee’s charge — Land Registration Act 2002, ss 29, 72, Sch 3, para 2

[2015] AC 385; [2012] 1 WLR 1521; [2014] 3 WLR 1163

Appellate History

Mortgage Business plc v O’Shaughnessy [2010] EWHC 2991 (Ch), Ch D

Decision of Judge Behrens sitting as a judge of the Chancery Division affirmed

Mortgage Business plc v O’Shaughnessy [2012] EWCA Civ 17; [2012] 1 WLR 1521; [2012] HLR 21; [2012] 1 EGLR 89; [2012] 1 P & CR 18, CA

Decision of the Court of Appeal affirmed on different grounds

Mortgage Business plc v O’Shaughnessy [2014] UKSC 52; [2015] AC 385; [2014] 3 WLR 1163; [2015] 1 All ER 277; [2014] HLR 48; [2014] WLR (D) 447; The Times, 28 October 2014; Case details, SC(E)

Commentary

UK Supreme Court Blog
Case Comment: Mrs Scott v Southern Pacific Mortgages Limited [2014] UKSC 52 [2014] Cas Com 26

Blackstones Civil Practice 2023
Issues and Possible Defences - Overriding interests 87.36

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