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Total rubbish! If your name is in the proprietorship section of the property's title register you are the owner - end of. As for your point about possession; strictly speaking a lender can possess simply by peaceable entry but that is usually impossible in any practical sense. Peaceable entry does not include causing damage or using force against persons. If you screw it up you are committing a criminal offences. In practice, mortgagees never possess without a court order.

And, as I've pointed out, the title deeds are largely an irrelevance these days.

Paper deeds are irrelevant if the property is registered with the Land Registry. Even when the deeds used to be kept by the lender it didn't mean that they were the owner. They used to keep them to make sure that you couldn't take out any more loans secured on it without them knowing.

There are two legal estates in land; the "Fee simple absolute in possession" (freehold) and the "Term of years absolute" (leasehold). The actual, physical land its self is owned by the crown, estates ion land give you rights to do things with it. Fee simple is, to all intents and purposes, the same as outright ownership.

Strictly speaking, you own an estate in land, not the land its self.

Rubbish. The bank clearly is not an owner. You do not need to ask a court for permission to exercise your rights as an owner. The lender has certain rights but only if certain conditions are extant. Also, the section of LPA that someone posted is not very relevant because modern mortgages aren't created by that, usually, they are created by legal charge.

You're wrong. They can't.

And I get surprised by people on here constantly trotting out the line that the bank owns a mortgaged property and incorrectly using the word "repossession". Check the title register and see who's described as the owner. Banks don't "repossess" anything as they never possessed it in the first place. Even when they do take it into "possession" they still never own it.

Watching this thing last night about wealthy families giving money to poor ones - not usually my cup of tea but did so in the name of household harmony. Anyway, at one point the parents of the family in the Council flat were looking at the price of private rented accommodation outside London. One house they saw was listed at £525 a month whereupon the mum mentioned that it was less than what they were paying to the council for their flat on some sh1tty sink estate. Is this true? Can't be, surely?

Did Richard Branson live on a boat on the Thames at one point - or did I imagine that?

Not if you sail it to somewhere hot for said winter. You can't take your 3 bed Semi to the south of France for xmas.

Just looked at HGM's site and see that they are paying 100% of spot price for all 1oz gold coins. Significance of this??? www.hattongardenmetals.com

The High Court case resulted in the conclusion that the charges weren't contractual penalties and therefore weren't void at law for being so. What that meant is that they are charges for a service, meaning that the FSA (or whoever it was that brought the case) can assess them under the terms of the Unfair Terms in Consumer Contracts Regulations, the part which relates to terms which have not been individually negotiated. Basically, such fees need to be able to be demonstrated to be reasonable in terms of the service which is being provided. I think there is an appeal pending on certain points of the case though. I forget the precise details.

Yeah, already thought of that. Problems are that it doesn't meet the requirements of security and you can't make and receive payments to and from companies or people unless you meet them face-to-face.

Looking at starting a new small business and wonder if there is a viable alternative to opening an account with an organisation other than an actual bank? We don't need to borrow money so all we need really is a place of safe storage for our capital money and to be able to pay bills.

Never said I know everything about it. All I can comment on though is the previous history of this type of sh1te. For nearly a century people have been saying we're going to run out in the short term. It's never happened - ever. Nor has it even come close, in reality. Why then should I believe it when people keep repeating it? You can only cry wolf so many times.

You won't get them bought back at spot, a few percent under. Coins are easy to sell if you have a dealer nearby. Just taken them in and they'll pay you cash. What to buy depends on personal preference, really. Krugers and Sovs are both good but, obviously, full Krugs mean you have to cash in six hundred quids worth at present if you need a small amount of cash.

Precisely. You can't simply ignore the rate of new discoveries or the changing technology which means more known oil is recoverable from existing deposits.

Don't believe a word of it. We've had 10 to 15 years of oil left since 1915 and still haven't even reached this mythical "peak" of production. It's just all a load of balls.

Don't know. It may be worth your while having a talk with the mortgagee. Your landlord may not be able to service the debt but if it's the case that his mortgage payments are about what you are paying in rent then it may be worth your while paying them on his behalf. As long as it's offered by somewhere then I don't think the mortgagee can refuse it and it may give you some interest in the property further down the line?

Laugh??????? Point and laugh???????

A person making an offer wouldn't have any legal recourse against the agent as he doesn't have any sort of contractual relationship with him. The vendor may do if he loses due to an agents failure to pass on offers. As regards the legal obligation to pass on offers, I know there is one but could not say for sure what the actual legal score is and whether the vendor may specify a lower limit under which he doesn't want to know. Personally, if an agent told me, or even intimated to me, that an offer may not get passed on I'd go straight to the vendor if I really wanted the house.

It's the whole building in it's current state which is listed. Many people think that things like facade's may be the only listed part but this is just popular fallacy.

I used to live in a Grade I building and had no trouble getting permission to do a loft conversion. In fact there is not really much difference as to what you can do to buildings between the grades. There's no problem owning listed buildings. Okay, you aren't as free to do stuff to them that you are with non-listed stuff but why would you want to anyway in most cases?

Disagree. I bought Morrisons own brand triple blade razor to try after getting p1ssed off with the never ending price increases of Gillette Mach 3 blades and have found it to be better than the over priced, over hyped rubbish Gillette sell.