Entry 43

Just coming back from Tottenham vs Brighton. Game ended 2-0 to Spurs. It’s the last time I’ll see the team this year, though not too sad that I won’t be standing in the freezing British winter. So again, apologies for any confusion regarding spelling or grammar.

Today started off with a lecture in Land Law and we continued with our look at mortgages. Mortgages are not what most people would call exciting or interesting, however the law regarding this area is  relatively straightforward. That’s my favourite thing about land law, you can always go to the statue book and rule will be there. That’s not to say that there is no case law, but it’s not as overwhelming as Tort Law. The lecture we had today was about the remedies of mortgages and the rights of the borrower and borrowee when it comes to a default in the mortgage. While the borrower has a large amount of rights, when it comes to the sale of the property/land, the rules regarding how the money is settled is interesting as there is priority for the cost of the sale, which could leave the lender in negative equity or if they hold off and sell later, a poor market can really harm the lender (even when the courts are being generous towards them).

After land, I had Tort. As always Tort is case heavy, but today it wasn’t as much as normal. We explored the laws around product liability and since the law has been modernised through an EU directive, there is a clear cut way of understanding what should be done and what are the acceptable defences. Since there are a limited number of defences, what you see in day to day life is an overwhelming number of warning labels which state the obvious (think of your pack of eggs that state that the potential allergen is eggs). I agree with the lecturer, if there are far too many warnings on products to prevent liability, then people will disregard the warnings (or not read them at all). The policy question is, are the rules there to help ensure that the customer can sue in absence of the warning or are the rules about ensuring that the most important danger is made clear and allowing more cases of people doing things that could make it to Harry Hill’s TV burps? Just for entertainment purposes alone, you should pick the latter.

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