Your money, your rights: new STV Glasgow blog from GLC

GLC has launched a new consumer rights information blog on STV Glasgow to help people in Glasgow become better empowered as consumers, avoid being financially or legally scammed, and save or gain money. The regular consumer rights blog is written by GLC's Principal Solicitor, Mike Dailly, and can be found at STV Glasgow's online site here. Entries will also be posted at one single location on this site for ease of reference, along with some occasional additional extras and tips.

Free know-how on Scottish repossession competency arguments disseminated by GLC

In response to requests, having regard to our public legal education ethos, and considering the wider potential public interest and the need for advisers to consider the potential need to protect the interests of their own clients, Govan Law Centre (GLC) is making its competency arguments in the test cases of NRAM v. Millar and RBS plc v. McConnell publicly available for free (see below).

The decision of Sheriff Deutsch in the said test cases is expected sometime in February 2012, and advisers will need to consider what steps, if any, they may wish to take to safeguard the interests of their own clients pending the outcome of that judgment, and any implications and developments that may arise following thereon.

GLC's arguments are presented in the format of an illustrative set of Defences (known as 'Answers' as repossession procedure in Scotland is now by way of summary application procedure).  Please note the disclaimer, namely that this document contains information only and does not constitute legal advice; you should obtain your own independent qualified legal advice from a Scots law practitioner and must not rely upon this document which is illustrative only.

View as a WEBPAGE or download as a WORD DOCUMENT

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Govanhill citizens' empowerment project

STV Glasgow reports on a groundbreaking project which will help tenants and home owners tackle issues around property factoring and landlord disputes with the help of a DIY kit is to be launched in Govanhill. The project is funded by the Esmée Fairbairn Foundation.

The Public Legal Education Project will be launched in February by the Govan Law Centre as a pilot for one year and will train local people on how they can protect their rights with the help of letter templates, application forms and housing advice. The full story can be read online here.

Lender refunds repossession expenses charged to customer in part: new GLC legal argument

GLC has settled a court action seeking a refund of a bank's legal expenses levied as the cost of their solicitors raising repossession proceedings against a Scottish homeowner. The action was raised in 2005, and the bulk of legal fees were charged over five years ago.

In Ayr v. BOS plc, the pursuer had contended that on a clear construction of standard condition 12, sch 3, Convenyancing and Feudal Reform (Scotland) Act 1970 and other provisions in that Act, the lender had not been entitled to recoup its legal expenses against its customer because it had failed to serve a pre-litigation 'calling-up notice'.  In light of RBS v. Wilson and others, it ought to have done so.

The case, which was not without additional legal complications, settled extra-judicially for a refund of £600, representing almost half of the lender's costs. GLC will continue to work on how more consumers can secure possible refunds of legal costs, added to their mortgages.

GLC progresses challenge to mortgage arrears charges under Financial Services and Markets Act 2000

GLC has settled litigation against a 'sub-prime' lender in relation to 'administrative charges' imposed when their customers went into arrears of their mortgage. The following charges were applied on a repeat or monthly basis:  ‘Unpaid Direct Debit Fee’ (£25), ‘Arrears Management Fee’ (£50), Late Payment Management Fee (£25), and ‘Litigation Management Fee’ (£115).

Utlising the Financial Services and Markets Act 2000 and other legislation, GLC secured a refund of 75% of the 'administrative charges' imposed historically, a figure of just under £1,000, together with legal expenses. If this was replicated across the current UK 'sub-prime' mortgage book, GLC has estimated around £150m could be refunded to UK consumers; with a similar figure in relation to 'prime' mortgage book.

GLC's Mike Dailly said: "Govan Law Centre has been developing and testing innovative legal arguments as a means to challenge the imposition of unnecessary and unfair mortgage charges where UK consumers are in arrears. We believe the law is on the side of consumers, and we will continue to refine our legal strategy with a view to disseminating free information to empower UK consumers, and facilitate access to justice".

GLC recruitment: new Govanhill Public Legal Education Project

Glasgow's Govan Law Centre (GLC)  requires a newly qualified solicitor with civil court experience. The post is funded for one year and will be based at Govanhill Law Centre's office within Glasgow's Govanhill community. Experience of housing and property factor disputes would be a major advantage.

The successful candidate will lead a dynamic new Public Legal Education (PLE) Project in Govanhill with a focus on empowering local citizens, community groups and residents associations to tackle property factor and landlord and tenant disputes. The PLE project is funded by the Esmée Fairbairn Foundation. The post holder will also undertake some general law centre work in Govanhill, supported by the Glasgow Regeneration Agency, in partnership with Crossroads.

The successful candidate with work with both partners in GLC's professional legal practice.  Applications in writing with C.V. to Principal Solicitor, Govan Law Centre, Orkney Street Enterprise Centre, 18-20 Orkney Street, Glasgow, G51 2BZ.  We will not accept employment agency applications.

The closing date for applications is close of business on Thursday 26 January 2012.  Applications thereafter will not be accepted. GLC aims to be an Equal Opportunities employer.

Decision on 'Pre-action Requirements' in Scottish repossession test cases expected February 2012

The judgment of Sheriff Deutsch in the GLC test cases of RBS plc v. McConnell and Northern Rock (Asset Management) plc v. Millar is expected sometime in February 2012.  These cases test the issue of precisely when compliance with the 'Pre-Action Requirements' from the Applications by Creditors (Pre-Action Requirements) (Scotland) Order 2010 (SSI 2010/317) and Home Owner and Debtor Protection (Scotland) Act 2010 needs to occur, in relation to mortgage arrears repossession actions proceeding on a breach of standard condition 9(1)(a), sch 3 of the Conveyancing and Fedual Reform (Scotland) Act 1970, as amended by the 2010 Act.