Jan 18, 2021 17:05
3 yrs ago
73 viewers *
French term
jugement d'adjudication
French to English
Law/Patents
Law (general)
Sorry about the length. It's a puzzler.
This is an expédition exécutoire (enforceable certified copy) after a legal process which leaves a person minus one flat. The flat ends up in the hands of a real estate company whose counsel participated in what appears to have been an auction in a court.
The title is JUGEMENT D'ADJUDICATION (du 7 Juillet 2020) (date changed).
There's an entry for this here in the archives, suggesting "judgment of adjudication". As well as being a pleonasm, I think this is a faux ami, in the sense that adjudication in French has a general but also a specific meaning, which is not (EN) "adjudication", although Bridge is for once silent. Trésor de la Langue Française and Wiktionnaire provide enlightenment.
My ordinary dictionary has an entry for adjudication judiciaire: "sale by order of the court". This doesn't appear to be quite what we're talking about here, as an auction, with bids and bidders, is definitely involved.
Anywhere, here are some excerpts. Dates all changed but I have tried to keep them in the same relative order so that things make sense. Numbers changed.
"- Vu le jugement d'orientation en date du 20 février 2020, ordonnant la vente forcée et fixant l'adjudication au 16 juin 2020, devant le Tribunal Judiciaire de AAA
- Vu le jugement de report de vente forcée en date du 11 août 2020 fixant l'adjudication au 12 novembre 2020,
- Vu le dépôt au greffe d'un avis de publicité aux fins d'affichage dans les locaux de la juridiction, le 2 octobre 2020,"
Observation number 1: someone appears to be being told to stick posters up in the law courts, advertising the forthcoming auction
"Et vu l'accomplissement des formalités prescrites par la Loi, ordonne qu'il soit procédé à la vente sur adjudication du lot dont s'agit."
"LE TRIBUNAL A ALORS ...
Ordonne qu'il soit procédé à la vente sur adjudication du lot dont s'agit."
"EN CONSEQUENCE, LE TRIBUNAL :
Statuant en audience publique, par jugement réputé contradictoire et en dernier ressort,
CONSTATE que la dernière enchère s'est élevée à 52.000 € (CINQUANTE-DEUX MILLE EUROS),
DIT qu'elle emporte adjudication de l'immeuble dont s'agit, moyennant outre les frais, le prix principal de 52.000 € (CINQUANTE-DEUX MILLE EUROS), au profit de :
- la BBB, société civile immobilière , immatriculée au Registre du Commerce et des Sociétés de AAA sous le numéro 000 000 000 dont le siège social est sis CCC agissant par son représentant légal domicilié en cette qualité audit siège
..."
Observation number 2: a property company has bid the highest bid ("dernière enchère"), through its counsel, appearing to confirm that this happened in a court room
"...
LUI DONNE acte de ce qu'il se réserve de fournir tous renseignements complémentaires, au regard des exigences de la publicité foncière, sur l'identité de l'adjudicataire dans les termes et délais de la loi,"
"REQUIERT la publication de la mention d'adjudication en marge du commandement de saisie en date du 23 mars 2019, publié le 15 avril 2019 au Service de la publicité foncière de AAA 3, volume 0000 S n°00."
"DECLARATION D'ADJUDICATAIRE
Maître CCC, Avocat au barreau de AAA, demeurant DDD,
Laquelle a dit : NB counsel is a woman
Que l'adjudication prononcée à son profit à l'audience des Criées de ce Tribunal le 27 novembre 2020 des biens ci-après désignés:
...
Le lot n°16 : consistant en un appartement
Moyennant le prix principal de 52 000 € - CINQUANTE-DEUX MILLE EUROS -
L'a été pour le compte et au profit de :
La BBB, société civile immobilière, ..."
"...
Déclarant en outre que, pour les besoins de l'adjudication, il était fait, par sa cliente, élection de domicile en son Cabinet."
"SIGNIFICATION
DU JUGEMENT D'ADJUDICATION
L'AN DEUX MILLE VINGT ET UN et le
A LA REQUETE DE :
..."
All of which initially made me fairly convinced that the best translation for this expression is "AUCTION JUDGMENT". On the other hand, deriving from adjuger ("auction" but also "award"), there's also, I think, a strong case for saying it should be "AWARD JUDGMENT" (i.e. award of the property to the highest bidder). The problem comes from the fact that French appears to fail to resolve an ambiguity, regarding the word adjudication: there are other ways to award a property than through the holding of an auction.
This is an expédition exécutoire (enforceable certified copy) after a legal process which leaves a person minus one flat. The flat ends up in the hands of a real estate company whose counsel participated in what appears to have been an auction in a court.
The title is JUGEMENT D'ADJUDICATION (du 7 Juillet 2020) (date changed).
There's an entry for this here in the archives, suggesting "judgment of adjudication". As well as being a pleonasm, I think this is a faux ami, in the sense that adjudication in French has a general but also a specific meaning, which is not (EN) "adjudication", although Bridge is for once silent. Trésor de la Langue Française and Wiktionnaire provide enlightenment.
My ordinary dictionary has an entry for adjudication judiciaire: "sale by order of the court". This doesn't appear to be quite what we're talking about here, as an auction, with bids and bidders, is definitely involved.
Anywhere, here are some excerpts. Dates all changed but I have tried to keep them in the same relative order so that things make sense. Numbers changed.
"- Vu le jugement d'orientation en date du 20 février 2020, ordonnant la vente forcée et fixant l'adjudication au 16 juin 2020, devant le Tribunal Judiciaire de AAA
- Vu le jugement de report de vente forcée en date du 11 août 2020 fixant l'adjudication au 12 novembre 2020,
- Vu le dépôt au greffe d'un avis de publicité aux fins d'affichage dans les locaux de la juridiction, le 2 octobre 2020,"
Observation number 1: someone appears to be being told to stick posters up in the law courts, advertising the forthcoming auction
"Et vu l'accomplissement des formalités prescrites par la Loi, ordonne qu'il soit procédé à la vente sur adjudication du lot dont s'agit."
"LE TRIBUNAL A ALORS ...
Ordonne qu'il soit procédé à la vente sur adjudication du lot dont s'agit."
"EN CONSEQUENCE, LE TRIBUNAL :
Statuant en audience publique, par jugement réputé contradictoire et en dernier ressort,
CONSTATE que la dernière enchère s'est élevée à 52.000 € (CINQUANTE-DEUX MILLE EUROS),
DIT qu'elle emporte adjudication de l'immeuble dont s'agit, moyennant outre les frais, le prix principal de 52.000 € (CINQUANTE-DEUX MILLE EUROS), au profit de :
- la BBB, société civile immobilière , immatriculée au Registre du Commerce et des Sociétés de AAA sous le numéro 000 000 000 dont le siège social est sis CCC agissant par son représentant légal domicilié en cette qualité audit siège
..."
Observation number 2: a property company has bid the highest bid ("dernière enchère"), through its counsel, appearing to confirm that this happened in a court room
"...
LUI DONNE acte de ce qu'il se réserve de fournir tous renseignements complémentaires, au regard des exigences de la publicité foncière, sur l'identité de l'adjudicataire dans les termes et délais de la loi,"
"REQUIERT la publication de la mention d'adjudication en marge du commandement de saisie en date du 23 mars 2019, publié le 15 avril 2019 au Service de la publicité foncière de AAA 3, volume 0000 S n°00."
"DECLARATION D'ADJUDICATAIRE
Maître CCC, Avocat au barreau de AAA, demeurant DDD,
Laquelle a dit : NB counsel is a woman
Que l'adjudication prononcée à son profit à l'audience des Criées de ce Tribunal le 27 novembre 2020 des biens ci-après désignés:
...
Le lot n°16 : consistant en un appartement
Moyennant le prix principal de 52 000 € - CINQUANTE-DEUX MILLE EUROS -
L'a été pour le compte et au profit de :
La BBB, société civile immobilière, ..."
"...
Déclarant en outre que, pour les besoins de l'adjudication, il était fait, par sa cliente, élection de domicile en son Cabinet."
"SIGNIFICATION
DU JUGEMENT D'ADJUDICATION
L'AN DEUX MILLE VINGT ET UN et le
A LA REQUETE DE :
..."
All of which initially made me fairly convinced that the best translation for this expression is "AUCTION JUDGMENT". On the other hand, deriving from adjuger ("auction" but also "award"), there's also, I think, a strong case for saying it should be "AWARD JUDGMENT" (i.e. award of the property to the highest bidder). The problem comes from the fact that French appears to fail to resolve an ambiguity, regarding the word adjudication: there are other ways to award a property than through the holding of an auction.
Proposed translations
(English)
Proposed translations
6 mins
AllegroTrans
United Kingdom
United Kingdom
Native in English
Specializes in field
United Kingdom
Sensible solutions
Native in: English (Variant: Wessexois) 
Works in: French to English, English, English to French
Related KudoZ points
:
1355
Selected
judgment certifying award by auction
This is the term I have used in documents v. similar to the Asker's.
As courts in the UK do not oversee auctions of repossessed properties, there is no "official" way to express this in English.
In Francce, the auction is actually conducted by the court and the successful bid becomes a judgment of the court.
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Note added at 9 mins (2021-01-18 17:15:02 GMT)
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Jugement d'adjudication , locution
Sens 1
Droit
Jugement qui confirme la vente d'un bien à une personne lors d'une vente aux enchères.
https://www.linternaute.fr/dictionnaire/fr/definition/jugeme...
L' "adjudication" (en anglais " Auction ")est une vente aux enchères publiques, dite aussi " vente forcée " qui a lieu, généralement après un jugement condamnant le débiteur au paiement d'une somme d'argent que celui-ci n'a pas pu règler, ou n'a pas voulu s'acquiter volontairement malgré la décision intervenue. (Voir aussi le mot "Surenchère" )
La décision qui constate quel est le dernier enchérisseur, lequel devient " l' adjudicataire ", constitue un jugement.
Textes :
CPC. art. 702, et s.
L. 91-650 du 9 juil. 1991 portant réforme des procédures civiles d'exécution, art. 52 et s.
D. 92-755 du 31 juil. 1992 pris en application de la loi ci-dessus, art. 110 et s., 185 et s.
Ordonnance no 2006-461 du 21 avril 2006 réformant la saisie immobilière.
Décret no 2006-936 du 27 juillet 2006 relatif aux procédures de saisie immobilière et de distribution du prix d'un immeuble.
https://www.juritravail.com/lexique/Adjudication.html
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Note added at 13 mins (2021-01-18 17:18:45 GMT)
--------------------------------------------------
There are three types of property auction in France:
Voluntary auctions (vente volontaire), run by the Chambre des Notaires, at which properties that vendors wish to auction (e.g. for a quick sale, in the hope of selling for a higher than market price or to save estate agents’ fees) are offered.
State auctions (vente domaniale), organised by the Direction Nationale d’Interventions Domaniales for the sale of public buildings and properties acquired by the state (e.g. where the owner has died without leaving an heir).
Judicial auctions (ventes judiciares), ordered by the courts, at which you can bid for properties that have been repossessed by mortgage lenders or over which there have been inheritance disputes, for example.
The last type of auction is the most common. Somewhat surprisingly, there often isn’t a lot of competition for properties sold at auction, particularly as many are old properties in rural areas which aren’t of much interest to French buyers.
Properties due to be sold at auction are advertised in local papers by the Tribunal de Grande Instance (local county court) responsible for the auction, and details are published around six weeks in advance by the person (e.g. the notary or lawyer) responsible for the sale. The form (fiche) contains the date and place of the sale, a description of the property, land details with cadastre references, the name and address of the person handling the sale, details regarding inspections, and the reserve price. Domaines sales are advertised by the local tax office (in Paris, at the Salle des Ventes Domaines, 15 rue Scribe, 75009).
https://www.justlanded.com/english/France/Articles/Property/...
--------------------------------------------------
Note added at 29 mins (2021-01-18 17:35:14 GMT)
--------------------------------------------------
Here's another interesting peculiarity:
By Connexion journalist
Buying a property at auction in France means following different rules to an ordinary purchase – including making your bid before a candle goes out.
Almost all property auctions follow an ancient tradition of taking place before a large lit candle and two smaller candles, which burn for 30 seconds, then go out in a puff of smoke.
The auction starts when the large candle is lit and bids are taken. When there are no more bids, one of the small candles is lit. If no one speaks while it burns out, a second small candle is lit.
If no one speaks before that one goes out, the bid stands.
If someone makes a higher bid while the candle is lit, the auction returns to the hall.
A spokesman for the Conseil supérieur du notariat said: “It is an ancient tradition and, quite frankly, we like doing it like that. There is a sense of drama that is created.”
The candle auction system was formally introduced in 1794, but is thought to be much older and was used in Burgundy when it was a dukedom, separate from France.
As courts in the UK do not oversee auctions of repossessed properties, there is no "official" way to express this in English.
In Francce, the auction is actually conducted by the court and the successful bid becomes a judgment of the court.
--------------------------------------------------
Note added at 9 mins (2021-01-18 17:15:02 GMT)
--------------------------------------------------
Jugement d'adjudication , locution
Sens 1
Droit
Jugement qui confirme la vente d'un bien à une personne lors d'une vente aux enchères.
https://www.linternaute.fr/dictionnaire/fr/definition/jugeme...
L' "adjudication" (en anglais " Auction ")est une vente aux enchères publiques, dite aussi " vente forcée " qui a lieu, généralement après un jugement condamnant le débiteur au paiement d'une somme d'argent que celui-ci n'a pas pu règler, ou n'a pas voulu s'acquiter volontairement malgré la décision intervenue. (Voir aussi le mot "Surenchère" )
La décision qui constate quel est le dernier enchérisseur, lequel devient " l' adjudicataire ", constitue un jugement.
Textes :
CPC. art. 702, et s.
L. 91-650 du 9 juil. 1991 portant réforme des procédures civiles d'exécution, art. 52 et s.
D. 92-755 du 31 juil. 1992 pris en application de la loi ci-dessus, art. 110 et s., 185 et s.
Ordonnance no 2006-461 du 21 avril 2006 réformant la saisie immobilière.
Décret no 2006-936 du 27 juillet 2006 relatif aux procédures de saisie immobilière et de distribution du prix d'un immeuble.
https://www.juritravail.com/lexique/Adjudication.html
--------------------------------------------------
Note added at 13 mins (2021-01-18 17:18:45 GMT)
--------------------------------------------------
There are three types of property auction in France:
Voluntary auctions (vente volontaire), run by the Chambre des Notaires, at which properties that vendors wish to auction (e.g. for a quick sale, in the hope of selling for a higher than market price or to save estate agents’ fees) are offered.
State auctions (vente domaniale), organised by the Direction Nationale d’Interventions Domaniales for the sale of public buildings and properties acquired by the state (e.g. where the owner has died without leaving an heir).
Judicial auctions (ventes judiciares), ordered by the courts, at which you can bid for properties that have been repossessed by mortgage lenders or over which there have been inheritance disputes, for example.
The last type of auction is the most common. Somewhat surprisingly, there often isn’t a lot of competition for properties sold at auction, particularly as many are old properties in rural areas which aren’t of much interest to French buyers.
Properties due to be sold at auction are advertised in local papers by the Tribunal de Grande Instance (local county court) responsible for the auction, and details are published around six weeks in advance by the person (e.g. the notary or lawyer) responsible for the sale. The form (fiche) contains the date and place of the sale, a description of the property, land details with cadastre references, the name and address of the person handling the sale, details regarding inspections, and the reserve price. Domaines sales are advertised by the local tax office (in Paris, at the Salle des Ventes Domaines, 15 rue Scribe, 75009).
https://www.justlanded.com/english/France/Articles/Property/...
--------------------------------------------------
Note added at 29 mins (2021-01-18 17:35:14 GMT)
--------------------------------------------------
Here's another interesting peculiarity:
By Connexion journalist
Buying a property at auction in France means following different rules to an ordinary purchase – including making your bid before a candle goes out.
Almost all property auctions follow an ancient tradition of taking place before a large lit candle and two smaller candles, which burn for 30 seconds, then go out in a puff of smoke.
The auction starts when the large candle is lit and bids are taken. When there are no more bids, one of the small candles is lit. If no one speaks while it burns out, a second small candle is lit.
If no one speaks before that one goes out, the bid stands.
If someone makes a higher bid while the candle is lit, the auction returns to the hall.
A spokesman for the Conseil supérieur du notariat said: “It is an ancient tradition and, quite frankly, we like doing it like that. There is a sense of drama that is created.”
The candle auction system was formally introduced in 1794, but is thought to be much older and was used in Burgundy when it was a dukedom, separate from France.
Note from asker:
| Super, thanks! I was hoping you might be out there. |
Peer comment(s):
| neutral |
TechLawDC
: 1. Too narrow. (Unlike you, I have sufficient good manners not to express my dissent with "Disagree".) 2. A Judgment does not certify something. A certification or affidavit or etc. does.
39 mins
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OK we differ but I see this an acuurate syntactic translation whereas your answer completely omits "auction" which is crucial here and no way obvious or even implied from your answer; that is why I diasgreed, not out of rudeness
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| agree |
Daryo
: certifying or confirming - no fundamental difference - That's exactly what happened in this story - there might be some better way of saying it, but this is 100% accurate - and that is the most important.
3 hrs
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thank you
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| disagree |
Francois Boye
: you missed the fact that this case is a foreclosure. Read carefully the following: 'This is an expédition exécutoire (enforceable certified copy) after a legal process which leaves a person minus one flat//why don't you say 'repossession judgment'?
10 hrs
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"Foreclosure" is not the term in the UK; we call this a repossession and I certainly did not miss that fact having translated many French court documents // see DBox
|
4 KudoZ points awarded for this answer.
Comment: "Thanks"
-2
12 mins
Judgment and Order
Alternative: Judgment and Court Order.
Explanation: Commonly encountered, and this is how I have translated it.
Explanation: Commonly encountered, and this is how I have translated it.
Peer comment(s):
| disagree |
AllegroTrans
: These are basically synonyms and ignore the vital concept of "auction"
1 min
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We differ. My answer is within the normal range of variation. I realize that "Jugement et ordonnance" is a possibility. ("Judgment" and "court order" are definitely not synonyms.) I would accept "Judgment and court order of sale", from context here.
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| disagree |
Daryo
: have to agree with AllegroTrans - you can't just ignore the "auction" bit.
3 hrs
|
31 mins
Conor McAuley
France
France
Native in English
Specializes in field
France
Excellence, Expertise & Experience
Native in: English (Variants: Irish, British, Wales / Welsh, UK, Scottish)
Works in: French to English, English
Related KudoZ points
:
210
ruling regarding a court-ordered sale by public auction
This is the US term. You can shorten it to judicial foreclosure ruling but foreclosure sounds really American to my ears (c.f. the financial crisis about 10 years ago).
The long-form term also covers cases in which a foreclosure is not involved (seizure of the assets of criminals, etc.).
There may be a better UK English term with a slightly different wording.
Do you need UK or US English?
Judicial foreclosure is the court-ordered sale by public auction of the secured property. ... A judicial sale requires the filing of a formal lawsuit which includes litigation expenses, appraisals, attorney fees, and a greater amount of time then would be required for a nonjudicial foreclosure.5 mai 2007
Judicial foreclosure | firsttuesday Journal
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Note added at 37 mins (2021-01-18 17:43:06 GMT)
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Link for the text above:
(see judiciai foreclosure in bold about five paragraphs in)
https://journal.firsttuesday.us/judicial-foreclosure/257/#:~...
--------------------------------------------------
Note added at 57 mins (2021-01-18 18:03:04 GMT)
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I think trying to stick to a two-word term in English will not adequately get the context inferred by "jugement d'adjudication" across.
UK context, sale by public auction:
Disposal of Various Items of Property/Surplus Assets by Public Auction
https://www.london.gov.uk/what-we-do/mayors-office-policing-...
It doesn't look like there's any standard term for such auctions.
--------------------------------------------------
Note added at 1 hr (2021-01-18 18:12:24 GMT)
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Short version following AT's comment:
ruling of award by auction
The long-form term also covers cases in which a foreclosure is not involved (seizure of the assets of criminals, etc.).
There may be a better UK English term with a slightly different wording.
Do you need UK or US English?
Judicial foreclosure is the court-ordered sale by public auction of the secured property. ... A judicial sale requires the filing of a formal lawsuit which includes litigation expenses, appraisals, attorney fees, and a greater amount of time then would be required for a nonjudicial foreclosure.5 mai 2007
Judicial foreclosure | firsttuesday Journal
--------------------------------------------------
Note added at 37 mins (2021-01-18 17:43:06 GMT)
--------------------------------------------------
Link for the text above:
(see judiciai foreclosure in bold about five paragraphs in)
https://journal.firsttuesday.us/judicial-foreclosure/257/#:~...
--------------------------------------------------
Note added at 57 mins (2021-01-18 18:03:04 GMT)
--------------------------------------------------
I think trying to stick to a two-word term in English will not adequately get the context inferred by "jugement d'adjudication" across.
UK context, sale by public auction:
Disposal of Various Items of Property/Surplus Assets by Public Auction
https://www.london.gov.uk/what-we-do/mayors-office-policing-...
It doesn't look like there's any standard term for such auctions.
--------------------------------------------------
Note added at 1 hr (2021-01-18 18:12:24 GMT)
--------------------------------------------------
Short version following AT's comment:
ruling of award by auction
Note from asker:
| Thanks. UK English. One issue here is that this auction is actually taking place in a court. I presume that anyone can turn up and bid, so yes, public, but the point is that this "jugement d'adjudication" is given after this process has been conducted by the court, in the court: this aspect must be covered. I think Allegro Trans's answer nails it pretty well. |
Peer comment(s):
| neutral |
AllegroTrans
: Well not quite: the ruling (repossessing the property and ordering the auction) comes first; the judgment (making the final bid an enforceable and final order of the court) comes next//"La décision qui constate quel est le dernier enchérisseur,..."
9 mins
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Hmm, interesting! I don't like your "certifying", I would prefer "ordering". Courts order or hold that something shall or has been done, they don't certify. That's what my instinct says. / "constate" for me is "formally records" here
|
2 hrs
Francois Boye
United States
United States
Native in French
United States
An economic geek with social skills
Native in: French
Works in: English to French, French to English, Spanish to English, and 1 more.
Related KudoZ points
:
104
French term (edited):
foreclosure judgment
foreclosure judgment/judgment of foreclosure
Vu le jugement d'orientation en date du 20 février 2020, ordonnant la vente forcée et fixant l'adjudication au 16 juin 2020, devant le Tribunal Judiciaire de AAA
Foreclosure Judgments
There are three ways the plaintiff can get a judgment of foreclosure and sale: 1) after the defendant defaults by not answering the Summons and Complaint, 2) after winning a summary judgment motion, or 3) after winning a trial.
Before the Judge signs the judgment of foreclosure and sale, the Judge signs an Order of Reference. The Order of Reference sends the case to a Referee to add up the total amount that plaintiff is owed under the terms of the mortgage. This amount includes principal, interest, late charges, foreclosure fees and costs. After the Referee reports his or her findings to the Judge, the plaintiff asks the court to enter a judgment of foreclosure and sale.
The Sale
After the Judge signs a judgment of foreclosure and sale, your home will be sold by the Referee at an auction sale at the courthouse to the highest bidder. The plaintiff puts a notice about the auction in a newspaper at least 30 days before the auction date. If you did not file an Answer or a Notice of Appearance, the plaintiff does not have to tell you about the auction.
You can stop the sale at any time up until your home is sold if you come up with the money owed to the plaintiff. This is called the Right of Redemption. You can also ask the court to stop the sale by making an Order to Show Cause. But once the sale is complete, you lose your home. You will get notice of when you have to move out.
The sale price may be more than the debt you owe. This is called a surplus. You can apply to the Court to get the surplus monies back. Speak to the Clerk or visit a Court Help Center. The sale price may be less than the amount you owe. This is called a deficiency. Learn more Deficiency Judgments.
Foreclosure Judgments
There are three ways the plaintiff can get a judgment of foreclosure and sale: 1) after the defendant defaults by not answering the Summons and Complaint, 2) after winning a summary judgment motion, or 3) after winning a trial.
Before the Judge signs the judgment of foreclosure and sale, the Judge signs an Order of Reference. The Order of Reference sends the case to a Referee to add up the total amount that plaintiff is owed under the terms of the mortgage. This amount includes principal, interest, late charges, foreclosure fees and costs. After the Referee reports his or her findings to the Judge, the plaintiff asks the court to enter a judgment of foreclosure and sale.
The Sale
After the Judge signs a judgment of foreclosure and sale, your home will be sold by the Referee at an auction sale at the courthouse to the highest bidder. The plaintiff puts a notice about the auction in a newspaper at least 30 days before the auction date. If you did not file an Answer or a Notice of Appearance, the plaintiff does not have to tell you about the auction.
You can stop the sale at any time up until your home is sold if you come up with the money owed to the plaintiff. This is called the Right of Redemption. You can also ask the court to stop the sale by making an Order to Show Cause. But once the sale is complete, you lose your home. You will get notice of when you have to move out.
The sale price may be more than the debt you owe. This is called a surplus. You can apply to the Court to get the surplus monies back. Speak to the Clerk or visit a Court Help Center. The sale price may be less than the amount you owe. This is called a deficiency. Learn more Deficiency Judgments.
Peer comment(s):
| agree |
Adrian MM.
: order of foreclosure or repossession 'vesting' order E+W County Court > pursuant to a mortgage repossession action. Quaere: ADJUDICATAIRE as the 'vestee'.
1 hr
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Thanks!
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| disagree |
AllegroTrans
: Asker wants UK English and "auction" needs to be in this, which even with the US term is not obvious in the UK
4 hrs
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Asker did not object to my translation. So you cannot be more Catholic than the pope! In addition, how come Adrian, who is as British as you, did not say that.
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Discussion
The answer is because the French Court does this in two stage: first an order for possession (saisie), then there is an interval during which the judgment debtor can (if he chooses) pay off the mortgage debt. The Court then fixes the auction date and the final judgment (the jugement d'ajudication) is made to certify the result of the final bid. That is why I would not call this a "repossession judgment".