Land Law - Mortgages (Part 1)

[@TrunksEffect]

I was once an ADHD drop out... now I'm starting level six modules on my LLB law course, with an average that puts me in the running for first-class honours... I owe you and your lectures largely for this, be it Criminal, Tort, Land or Contract law... you have always been there to explain every area of law that I am stuck with. Hats off to you sir, and thank you.

[@marcuscleaver]

Thanks so much and all the best of success to you!

[@alexwelts2553]

ADHD here wondering if you would ask my trunk ajar sensor why it keeps alerting when it's latched.

[@alchemyma]

wish I could transfer my tuition fee into your account because honestly you deserve it more

[@weaverbirdUK]

Hallelujah for Marcus. Land law weighs as heavy as Sisyphus' rock. Cannot wait for this module *cough, punishment, to end. Thank you!

[@samwh.9611]

The eeevil banker. I love it! always get these mixed up - and it doesn't help that my lecturers do as well!

[@marinagould-jarvis2984]

Super!! Really appreciate this. Listened to all your lectures applicable to my areas of study and it has helped so much. THANK YOU!

[@marcuscleaver]

What a lovely comment! Thanks for taking the time to drop by :)

[@tonythesopranos5310]

@1:15 Regarding trying to remember the difference between mortgagOR and mortgagEE. I believe the terms can be remembered more easily if you think about it linguistically. A lot of law words have this dynamic of OR/ER and EE, lesser, lesse, for example. Just think of 'or/er' as the 'doer' and 'ee' as the receiver. A mortgage - noun. A mortgagOR - the 'doer' of the mortgage, the person giving it. A MortgagEE - the 'receiver', the person who receieves the mortgage. The logic then works for any other legal word. A lease - noun A leaser - the 'doer' of the lease, the person who gives it to the... Lesee - the person who 'receieves' the lease. That's how I learnt it!

[@altoriaimmigrationandbusin4239]

Thank you for breaking down the concepts! Really appreciate your videos.

[@sademcqueen7301]

Marcus I want to thank you for the time you take to do these videos, especially mortgages and covenants I hope that I don't ever have to see a property paper again lol.

[@marcuscleaver]

I know that feeling =/

[@TheresaRocheactress]

I also agree with Julia Babiarz's comment below - I had great lecturers but I'd give Marcus my tuition fees over anyone else!

[@dhanrajkamble9571]

Very nice thresea

[@onisimionut9220]

Thank you! I always enjoy watching your vidoes!

[@sionedprotheroe3768]

I love your work, thank you so much

[@kimberlysmith9676]

Marcus, you explain things very clearly

[@skendles]

Hi Marcus, your an absolute life save for these videos. I was wondering if you would be covering more topics under land law(Easement, Unregistered &register land, leases). It would be really helpful as I'm currently in my final year. Thank you.

[@dhanrajkamble9571]

Beautiful

[@shephraramah2022]

Thank you so so much

[@dhanrajkamble9571]

I like u shephra

[@alteriwnet5805]

Thank you so much!

[@tomherron847]

Thank you Marcus. My understanding is that UK mortgages are not regulated by the Consumer Credit Act 1974, how therefore can someone rely on section 140a of the act in court?

[@lilmizzije]

‘The law on mortgages is unjust, harsh and does not strike the appropriate balance between the interests of lenders on the one hand, and vulnerable parties on the other.’ Discuss. What are good arguments for and against?

[@adrianaezelyn7803]

Not all heroes wear capes ❤

[@saraswatkin9226]

Its all very well to know the know but most Judges don't bother to listen to defendants in Court they only listen to the Banks lawyer. Decisions are made before the hearing. Mortgages should come with a health warning: Mortgages can destroy your life.

[@ganadora69]

Thanks so much Marcus!!

[@marcuscleaver]

You are more than welcome!!

[@bonniej0]

It's also referred to as a conditional acceptance

[@sademcqueen7301]

I was wondering where you had gotten too. lol Thank you Marcus.

[@marcuscleaver]

Like waiting for a bus, all of a sudden two come at once! Fingers crossed back to a normal schedule now =/

[@neilgraham8294]

Hey your videos are amazing! Could you do one on co-ownership?

[@frankbertola3662]

I'm Australian and if you want to view bank barstardry looking the RMBS industry here. The loan initiator sells the entire asset securities to a trust entity ie perpetual trustees (BNY Malion) then takes the roll as servicer whilst but continues to claim mortgagee status on court records in foreclosure. Any ideas here sir thankyou.

[@kikis7959]

You mentioned that in Lewis v frank Love ltd (1961) with the two separate agreements, that it wasn’t a clog or fetter but the court did actually fall on the side of Samuel v Jarrah and not Reeve v Lisle with this case (Lewis v Frank Love) and the two documents had to be read together and there was a mortgage containing a term clogging the equity of redemption - the option was therefore invalid

[@kartelwarden9207]

keep the videos coming

[@miabeckford-brown802]

Hi - do you have a god structure for mortgage problem questions ? I’m thinking Definitions: what is a mortgage; who are the relevant parties; who is claiming here (mortgage mortgagor) Identify what type of mortgage (insurance/repayment legal or equity) Rights: depending on whom we are advising Remedies: **

[@felixgreen9094]

At 3:34 you seem to miss a slide?

[@marcuscleaver]

Oh yeah! What awful editing. Not too important - just lists the three clogs/fetters I talk about anyway and that the threshold for equity intervening is unconscionability.

[@jalpari234]

So I tried to remember the terms of mortgagee and mortgagor so borrower end with an er so is the mortgagor ends with or.

[@meeleemcintosh]

The original bank lost the mortgage contact The new bank took over without a contract and changed terms and conditions, without a new contract, dicuss please

[@irolienosi8644]

hi