Actual occupation (sch 3, ) - Further conditions - Case law

4 important questions on Actual occupation (sch 3, ) - Further conditions - Case law

Explain how the claimant in (Abbey National Building Society v Cann) did not have actual occupation under (sch 3 para 2) and contrast with(Williams)?

The defendant defaulted on his mortgage payments. The mother claimed to be in actual occupation. It was held that moving furniture 25 minutes before the legal transfer of property was insufficient to constitute actual occupation because it lacked some degree of permanence.

How long must the person entitled to the interest be in actual occupation in order to be granted an overriding status under Schedule 3, para 2 of LRA 2002?

The owner of the overriding interest must be in actual occupation long before the sale or mortgage of the registered title. Contrasted with Abby National where 25 minutes before the sale is not enough for actual occupation.

Explain why the claimant was deemed to have been in actual occupation in (Link Lending Ltd v Bustard)? Contrast with Thompson v Foy

The claimant has been absent from her home for over a year in psychiatric care. The CoA agreed she was in the actual occupation because her possessions were at home, she made regular visits and paid bills for the property and intended to return to live there. In contrast, although the facts are similar, the claimant never planned to return to live in her home.
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Explain why actual occupation applied in Kling v Keston Properties Ltd

A car was parked regularly in a garage. It was held that regular use of the garage amounted to actual occupation.

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