Dear Mr Donnan

RE:  Mr William Finnerty -                                                                                     

You are directed to consider:

A) whether the Tribunal confirmed that they had considered the possibility of there being an incumbrance on the relevant property due to an Equitable Mortgage by deposit of deeds;

B) Even if the tribunal did not specifically cite the concept of such an equitable Mortgage, have they nevertheless provided adequate reasons to explain why one does not exist/ was not proven in this particular instance.

Please can you send your response by 30 January 2026.

Yours sincerely

NIALL MCSPERRIN

Legal Officer to the Commissioners