In short
This law clarifies how certain older mortgage laws apply, allows for temporary pauses in court cases about home repossessions to explore personal insolvency options, and specifies which court handles these cases. It aims to address issues arising from previous changes to land and conveyancing law, particularly concerning mortgages created before December 1, 2009.
What it regulates
- The application of specific statutory provisions related to mortgages created before December 1, 2009, despite their previous repeal or amendment.
- The adjournment of legal proceedings for possession of a principal private residence to facilitate the making of a proposal for a Personal Insolvency Arrangement.
- The court jurisdiction for proceedings related to certain mortgages on principal private residences.
- The time limits for commencing certain possession proceedings where previous proceedings were initiated but not determined.
Who it concerns
- Individuals with mortgages created prior to December 1, 2009.
- Mortgagors and persons whose consent is required for a conveyance of their principal private residence, particularly in cases of mortgage arrears and potential repossession.
Key points
- For mortgages created before December 1, 2009, certain statutory provisions (like sections 2 and 18 to 24 of the Conveyancing Act 1881, sections 3, 4 and 5 of the Conveyancing Act 1911, and section 62(3), (7) and (8) of the Act of 1964) and amended provisions (section 62(2) and (6) of the Act of 1964) still apply as if they had not been repealed or amended by the Land and Conveyancing Law Reform Act 2009.
- Courts can adjourn proceedings for possession of a principal private residence for up to 2 months to allow a relevant person to consult with a personal insolvency practitioner and propose a Personal Insolvency Arrangement. Further adjournments are possible if significant progress is made.
- Proceedings by a mortgagee seeking possession of a principal private residence, where the mortgage was created prior to December 1, 2009, must be brought in the Circuit Court.
- New possession proceedings relying on the re-applied statutory or amended provisions are deemed to be commenced within time if certain conditions are met, including that previous proceedings were commenced within the time limit and not determined, and the new proceedings are issued within 6 months from the coming into operation of this section.
đ Legal text
Land and Conveyancing Law Reform Act 2013
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Land and Conveyancing Law Reform Act 2013
Land and Conveyancing Law Reform Act 2013
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Number 30 of 2013
LAND AND CONVEYANCING LAW REFORM ACT 2013
CONTENTS
Section
1. Application of certain statutory provisions
2. Adjournment of proceedings to facilitate making of proposal for Personal Insolvency Arrangement
3. Proceedings relating to certain mortgages to be brought in Circuit Court
4. Provision in respect of certain proceedings
5. Short title and commencement
Acts Referred to
Civil Liability Act 1961
(No. 41)
Civil Partnership and Certain Rights and Obligations of Cohabitants Act 2010
(No. 24)
Conveyancing Act 1881
(44 & 45 Vict., c. 41)
Conveyancing Act 1911
(1 & 2 Geo. 5, c. 37)
Family Home Protection Act 1976
(No. 27)
Land and Conveyancing Law Reform Act 2009
(No. 27)
Personal Insolvency Act 2012
(No. 44)
Registration of Title Act 1964
(No. 16)
Number 30 of2013
LAND AND CONVEYANCING LAW REFORM ACT 201
An Act to provide that certain statutory provisions apply to mortgages of a particular class notwithstanding the repeal and amendment of those statutory provisions by the
Land and Conveyancing Law Reform Act 2009
, to provide for the adjournment of legal proceedings in certain cases and to provide for related matters. [24th July, 2013]
Be it enacted by the Oireachtas as follows:
Application of certain statutory provisions
1. (1) This section applies to a mortgage created prior to 1 December 2009.
(2) As respects a mortgage to which this section applies, the statutory provisions apply and may be invoked or exercised by any person as if those provisions had not been repealed by section 8(3) and Schedule 2 of the Act of 2009.
(3) As respects a mortgage to which this section applies the amended provisions apply and may be invoked or exercised by any person as if those provisions had not been amended by section 8(1) and Schedule 1 of the Act of 2009.
(4) Subsections (1) to (3) are without prejudice to any right or entitlement which a person may otherwise have to rely on the statutory provisions or the amended provisions.
(5) This section does not apply to proceedings initiated before the coming into operation of this section.
(6) In this sectionâ
âAct of 1964â means the
Registration of Title Act 1964
;
âAct of 2009â means the
Land and Conveyancing Law Reform Act 2009
;
âamended provisionsâ means section 62(2) and (6) of the Act of 1964;
âmortgageâ has the same meaning as it has in the
Conveyancing Act 1881
;
âstatutory provisionsâ means
sections 2
and
18 to 24
of the
Conveyancing Act 1881
,
sections 3
,
4
and
5
of the
Conveyancing Act 1911
and section 62(3), (7) and (8) of the Act of 1964.
Adjournment of proceedings to facilitate making of proposal for Personal Insolvency Arrangement
2. (1) This section applies to land which is the principal private residence ofâ
(a) the mortgagor of the land concerned, or
(b) a person without whose consent a conveyance of that land would be void by reason ofâ
(i) the
Family Home Protection Act 1976
, or
(ii) the
Civil Partnership and Certain Rights and Obligations of Cohabitants Act 2010
.
(2) In any proceedings brought by a mortgagee seeking an order for possession of land to which the mortgage relates and which land is land to which this section applies, the court, without prejudice to any other power which a court may have to adjourn proceedings, mayâ
(a) of its own motion, if it considers it appropriate to do so,
(b) on application being made to the court by a relevant person and, having regard to the matters specified in subsection (3), if it considers it appropriate to do so,
adjourn the proceedings for a period not exceeding 2 months to enable the relevant personâ
(i) to consult with a personal insolvency practitioner with a view to the making of a proposal for a Personal Insolvency Arrangement, and
(ii) where appropriate, to instruct the personal insolvency practitioner to make a proposal for a Personal Insolvency Arrangement under the Act of 2012.
(3) The court in considering an application under subsection (2)(b) shall have regard to such matters as it considers appropriate and in particular shall have regard to the following:
(a) whether the mortgagor has participated in any process relating to mortgage arrears operated by the mortgagee concerned which has been approved or required by the Central Bank of Ireland and which process relates to the land the subject of the mortgage;
(b) whether the mortgagor has made any payments to the mortgagee in respect of monies advanced on foot of or secured by the mortgage in the 12 months immediately preceding the application and, if so, the amount of any such payments, the number and frequency of such payments, and the proportion which the amounts paid bear to the amount of any regular payments which the mortgagor was required to make under the terms of the mortgage or any associated loan agreement;
(c) whether the proceedings have been adjourned on any previous occasion at the request of the mortgagor, and, if so, the number of any such adjournments and the period of such adjournments and the reasons for such adjournments;
(d) the conduct of the parties to the mortgage in any attempt to find a resolution to the issue of dealing with arrears of payments due on foot of the mortgage; and
(e) whether, having regard to the circumstances of the case, the application for an adjournment appears to the court to be primarily for the purpose of delaying the progress of the proceedings.
(4) On the expiry of any period of adjournment granted under subsection (2), the court may grant a further adjournment of the proceedings concerned where it considers that significant progress has been made in the preparation of a proposal for a Personal Insolvency Arrangement.
(5) Where the court adjourns proceedings under this section, the court may, where it considers it appropriate to do so, direct that the proceedings stand adjourned to another venue within the same circuit of the Circuit Court.
(6) This section applies as respects mortgages created before or after the coming into operation of Part 10 of the
Land and Conveyancing Law Reform Act 2009
.
(7) In this section and
section 3
â
âAct of 2012â means the
Personal Insolvency Act 2012
;
âconveyanceâ7 has the same meaning as it has in the
Family Home Protection Act 1976
;
âmortgageâ means a deed of mortgage and includes a charge;
âmortgageeâ includes a person deriving title from a mortgagee and a receiver appointed by the mortgagee;
âPersonal Insolvency Arrangementâ has the same meaning as it has in the Act of 2012;
âpersonal insolvency practitionerâ has the same meaning as it has in the Act of 2012;
ârelevant personâ means a personâ
(a) who is a party to the proceedings referred to in subsection (2), and
(b) who is a person who may, under the provisions of the Act of 2012, make a proposal for a Personal Insolvency Arrangement.
Proceedings relating to certain mortgages to be brought in Circuit Court
3. (1) This section applies to land which is the principal private residence ofâ
(a) the mortgagor of the land concerned, or
(b) a person without whose consent a conveyance of that land would be void by reason ofâ
(i) the
Family Home Protection Act 1976
, or
(ii) the
Civil Partnership and Certain Rights and Obligations of Cohabitants Act 2010
,
and the mortgage concerned was created prior to 1 December 2009.
(2) Subject to subsection (4), proceedings brought by a mortgagee seeking an order for possession of land to which the mortgage relates and which land is land to which this section applies shall be brought in the Circuit Court.
(3) The jurisdiction of the Circuit Court to hear and determine proceedings referred to in subsection (2) where the land concerned is land to which this section applies shall be exercised by the judge of the circuit where the land or any part of it is situated.
(4) Subsection (2) does not preclude a person initiating proceedings in the High Court where other proceedings relating to the enforcement of the mortgageeâs rights under the mortgage concerned have been commenced in that court prior to the coming into operation of this section where those other proceedings have not been determined.
Provision in respect of certain proceedings
4. (1) Where after the coming into operation of this section a mortgagee commences proceedings seeking possession of land in which they rely upon the statutory provisions or the amended provisions, the proceedings shall be deemed to be commenced within time for the purposes of
section 9
of the
Civil Liability Act 1961
where the conditions specified in subsection (2) are met.
(2) The conditions referred to in subsection (1) are thatâ
(a) prior to the coming into operation of this section the mortgagee had commenced proceedings seeking possession of land relying on the statutory provisions or the amended provisions,
(b) the proceedings concerned were commenced within the time limit applicable for the purposes of
section 9
(2) of the
Civil Liability Act 1961
,
(c) the proceedings concerned were not determined before the coming into operation of this section,
(d) the mortgage concerned was created prior to 1 December 2009,
(e) the land the subject of the proceedings referred to in subsection (1) is the same land or a part of the same land as the land the subject of the proceedings referred to in paragraph (a).
(3) Subsection (1) shall only apply to proceedings issued within 6 months from the coming into operation of this section.
(4) In this sectionâ
âAct of 2009â means the
Land and Conveyancing Law Reform Act 2009
;
âamended provisionsâ means section 62(2) and (6) of the Act of 1964 as those provisions stood immediately prior to the coming into operation of section 8(1) and Schedule 1 of the Act of 2009;
âmortgageâ has the same meaning as it has in the
Conveyancing Act 1881
;
âmortgageeâ includes a person deriving title from a mortgagee and a receiver appointed by a mortgagee;
âstatutory provisionsâ means
sections 2
and
18 to 24
of the
Conveyancing Act 1881
,
sections 3
,
4
and
5
of the
Conveyancing Act 1911
and section 62(3), (7) and (8) of the Act of 1964.
Short title and commencement
5. (1) This Act may be cited as the Land and Conveyancing Law Reform Act 2013.
(2)
Sections 2
and
3
come into operation on such day or days as the Minister for Justice and Equality may by order or orders appoint and different days may be so appointed for different purposes or provisions.
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