Author: Bernard

PART A

Question 1

In the summer of 2018 Adele purchased the registered freehold house called La Plage, in Bournemouth for £450,000. Adele’s mother, Beverley, lived in Italy but provided the deposit of £45,000 for La Plage, with Adele becoming the sole proprietor. Adele raised the remainder of the purchase price with a mortgage, which was arranged through Cantander Bank.

Adele gave Beverley a receipt to evidence her contribution to the purchase price and she always allowed Beverley to use the annexe at the back when her mother was visiting the UK.

A neighbour, Deepak, has been given permission to use the shed at the rear of La Plage until the restoration of his garage, as he has nowhere dry to store his Harley Davidson.

Adele’s brother, Chris, really loves La Plage. One night the siblings had a night in and enjoyed a few glasses of wine. In that moment Adele promised that, were she ever to sell the house, she would give Chris a ‘good price’. They jokingly wrote this on the back of the supermarket receipt for the wine.

Adele now wishes to sell La Plage, as she finds it too sandy as a residence. A number of interested parties have offered her more than the market value of £530,000.

Advise Adele what her legal position is in relation to the rights of the other parties (Cantander Bank, Beverley, Deepak, Chris), and how those rights could/should have been protected. Additionally, consider to what extent a new buyer may be bound by those rights were she to sell La Plage.

 

PART B

Question 2

Aleem and Barrie bought their dream house, Sunbeam Cottage in 2010, with the creation of a mortgage to Bonclays bank. In 2015 Barrie wanted to try opening an Art School. She had a conversation with Aleem, where she said she needed his support in the endeavour and that otherwise she would be eternally unhappy and unfulfilled. Aleem, feeling somewhat pressured, said that he would agree to a second mortgage on the house but that someone had advised him to get some financial advice first.

Barrie sent her cousin, Caz, who is a mortgage advisor, to advise Aleem that it was not that bad an idea and he signed for the second mortgage with Southern Stone bank.

Unfortunately, Aleem and Barrie have been experiencing financial difficulties and they are struggling to keep up with both mortgage repayments as Sunbeam Cottage was in too remote an area for students to regularly attend. As a result, they have missed 3 months’ worth of mortgage payments.

Their second bank, Southern Stone, have sent them a letter, telling them that there will be ‘no choice but to take serious measures’ in the event of continued non-payment.

Aleem and Barrie are concerned and come to you for advice.

Please advise them as to:

i. what steps the bank can take against them in relation to the repossession and sale of the property to satisfy the debt,
ii. what they can do if they would like to remain in the property and pay off their arrears, and
iii. whether any defences are available to either of them in such an action.

 

In the summer of 2018 Adele purchased the registered freehold house called La Plage, in Bournemouth for £450,000. Adele’s mother, Beverley, lived in Italy but provided the deposit of £45,000 for La Plage, with Adele becoming the sole proprietor. Adele raised the remainder of the purchase price with a mortgage, which was arranged through Cantander Bank.

Adele gave Beverley a receipt to evidence her contribution to the purchase price and she always allowed Beverley to use the annexe at the back when her mother was visiting the UK.

A neighbour, Deepak, has been given permission to use the shed at the rear of La Plage until the restoration of his garage, as he has nowhere dry to store his Harley Davidson.

Adele’s brother, Chris, really loves La Plage. One night the siblings had a night in and enjoyed a few glasses of wine. In that moment Adele promised that, were she ever to sell the house, she would give Chris a ‘good price’. They jokingly wrote this on the back of the supermarket receipt for the wine.

Adele now wishes to sell La Plage, as she finds it too sandy as a residence. A number of interested parties have offered her more than the market value of £530,000.

Advise Adele what her legal position is in relation to the rights of the other parties (Cantander Bank, Beverley, Deepak, Chris), and how those rights could/should have been protected. Additionally, consider to what extent a new buyer may be bound by those rights were she to sell La Plage.

 

PART B

Question 2

Aleem and Barrie bought their dream house, Sunbeam Cottage in 2010, with the creation of a mortgage to Bonclays bank. In 2015 Barrie wanted to try opening an Art School. She had a conversation with Aleem, where she said she needed his support in the endeavour and that otherwise she would be eternally unhappy and unfulfilled. Aleem, feeling somewhat pressured, said that he would agree to a second mortgage on the house but that someone had advised him to get some financial advice first.

Barrie sent her cousin, Caz, who is a mortgage advisor, to advise Aleem that it was not that bad an idea and he signed for the second mortgage with Southern Stone bank.

Unfortunately, Aleem and Barrie have been experiencing financial difficulties and they are struggling to keep up with both mortgage repayments as Sunbeam Cottage was in too remote an area for students to regularly attend. As a result, they have missed 3 months’ worth of mortgage payments.

Their second bank, Southern Stone, have sent them a letter, telling them that there will be ‘no choice but to take serious measures’ in the event of continued non-payment.

Aleem and Barrie are concerned and come to you for advice.

Please advise them as to:

i. what steps the bank can take against them in relation to the repossession and sale of the property to satisfy the debt,
ii. what they can do if they would like to remain in the property and pay off their arrears, and
iii. whether any defences are available to either of them in such an action.

 

Write an essay about Postmodern Architecture

Chicago style format

825 words maximum

3 sources

For this week’s assignment, review the required FBI (Links to an external site.) and DNI (Links to an external site.) websites and watch the video “Herding Cats (Links to an external site.)” by the DNI Clapper. Write an essay in which you select one U.S. agency from the list below and explain the agency’s role in counterterrorism operations. The U.S. agencies to choose from include:
National Security Agency (NSA)
Department of the Treasury,
Department of Homeland Security
Department of Energy,
Department of State, or
Defense Intelligence Agency (DIA)
In the essay,
Summarize the function of the agency as it relates to counterterrorism operations inside the United States and identify the tools available to the agency to conduct counterterrorism operations.
Evaluate how your selected agency interacts with at least one other agency to perform counterterrorism operations.
Identify the types of intelligence collected by the agency, and analyze if there are any restrictions on use of the intelligence gathering techniques in counterterrorism operations.
The Role of U.S Agencies in Counter Terrorism Paper
Must be a minimum of three to five double-spaced pages in length (not including title and references pages) and formatted according to APA style as outlined in Writing Center (Links to an external site.).
Must include a separate title page with the following:
Title of paper
Student’s name
Course name and number
Instructor’s name
Date submitted
Must include an introductory paragraph with a succinct thesis statement. Thesis must be in both the introduction and the conclusion.
Must use at least two scholarly or official government sources in addition to the course text.
Cite your sources in text and on the reference page using APA 7th edition style guide. For information regarding APA samples and tutorials, visit the  Writing Center.
Must include a separate references page that is formatted according to APA style as outlined in the UAGC Writing Center.