When is the deadline for action to recover money secured by mortgage, judgment or lien charged on land?
The catalogue records a 20 years period from Accrual of a present right to receive the sum to some person capable of giving a discharge or release, or the last part payment of principal or interest or written acknowledgment. This draft page remains free only until its source, worked example and limits are reviewed.
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Calculation basis and source
- Period
- 20 years
- Trigger
- Accrual of a present right to receive the sum to some person capable of giving a discharge or release, or the last part payment of principal or interest or written acknowledgment
- Counting
- The encoded calculator method must be independently documented before publication.
- Rollovers and holidays
- Holiday, closure and order treatment must be independently documented before publication.
This route remains in preparation until a pinpoint official source is recorded.
- None discretionary, but the period restarts on part payment of principal or interest or on a signed written acknowledgment - the engine should prompt for the last such event rather than assuming original accrual.
- Applies to enforcement of a judgment charged on land as well as to mortgages and liens. Section 24(2) sets a hard outer bound on possession claims by a mortgagee: no person claiming under a mortgage of land may make an entry or bring an action to recover the land after twenty years have elapsed from the maturity date set out in the mortgage or any registered or recorded renewal of it.