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Robert McCausland (instructed by TLT NI LLP, Solicitors) for the Plaintiff�� The Defendant represented himself
[1]������ The plaintiff and the defendant entered into a 25 year mortgage dated 30   November 2007 in relation to premises known as Apartment 5, Mount Royal Apartments, 4 Eglinton Street, Portrush.� Pursuant to Order 88 of the Rules of the Court of Judicature in Northern Ireland the plaintiff seeks delivery by the defendant to the plaintiff of possession of those premises and payment of moneys secured by the mortgage.� The Originating Summons in this case was issued by the plaintiff almost eight years ago, on 7 February 2018.
[2]������ UCB Home Loans, which is now a wholly owned subsidiary of Nationwide Building Society, closed its books to new mortgage business in October 2008.�
[3]������ On foot of the mortgage the plaintiff advanced to the defendant the sum of � 191,250.� In 2015, the defendant stopped making any payments under the mortgage.� Arrears have mounted so that the total sum outstanding (as at November 2025) is some � 544,000.
[4]������ The issue in this case is whether the plaintiff has the contractual right to charge the defendant the interest which it has charged under the mortgage.� That issue involves identifying the documentation which makes up the contract and the construction of the contract documentation.
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