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Top Articles - Repossession vs. Foreclosure In The UK - The Big Myths
Every so often, at a Property Networking event, I have someone come up to me and tell me that they are "interested in foreclosur
According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product
es".
This normally indicates to me one thing - that they have been reading American books on property investment.
Nothing wron
This normally indicates to me one thing - that they have been reading American books on property investment.
Nothing wron
; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.
Examples of combination products may in
Examples of combination products may in
with that, but In the UK, the law is quite different, and notably more on the side of “looking after the average person who fa
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
ls behind on their mortgage” and less on the side of “whatever the contract said.”
The first thing to be aware of is that repos
The first thing to be aware of is that repos
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
essions and foreclosures are different things.
- In a UK repossession, the mortgage company "take back" the house, sell
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
it, use the proceeds to pay off the amounts owed to them, and then send the balance to the borrower. The old duty to take "reaso
ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc
able care to ensure.... the best price that can reasonably be obtained" has been slightly modified in the Building Societies Act
easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi
1997 to "take reasonable precautions to obtain the true market value of the mortgaged property. It is normal, though NOT needed,
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
for the mortgage company to get a Court Order to get a repossession. The mortgage company does NOT have to sell the property via
and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ
an auction - indeed, the Courts have recognised that this may well not be the best way to obtain the true market value.
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
>In a foreclosure, by comparison, the mortgage company "take back" the house, sell it, and keep the entire proceeds. This is onl
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.
Following aspects would a
Following aspects would a
y possible as the result of a Court Order, and it's nigh on unheard of for courts to grant this these days - normally they only
dd to the challenges in developing combination products:
Which markets to tap where the combination products can do fairly well?
Which combination prod
Which markets to tap where the combination products can do fairly well?
Which combination prod
ver grant repossession orders.
The second is that the big “hand the keys back myth” is just a myth.
The second is that the big “hand the keys back myth” is just a myth.
- If y
cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
u are behind on your mortgage payments, you cannot just "hand back the keys" and have the clock stop on the interest payments.
tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
i>
A mate of mine was once a branch manager at a building society - on the day he took over the branch, he was shown a draw
t?
As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel
As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel
r containing about half-a-dozen sets of keys from people who had just brought them back, believing that this would stop interest
ping new procedures for reviewing their safety, efficacy and quality.
Professional from academic institutions, pharmaceutical industries, health care indust
Professional from academic institutions, pharmaceutical industries, health care indust
accruing. I've no idea why this myth still abounds!
For the investor, the first two mean that, unlike in the US, it
For the investor, the first two mean that, unlike in the US, it
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
is very unusual for an investor to get a good deal simply by finding out which properties have been repossessed, and then buying
.
As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de
As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de
them up cheap from the mortgage company for cash in hand.
The big market opportunities that do exist are finding people who MIG
The big market opportunities that do exist are finding people who MIG
elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.
Companies that provide selfless information through particip
Companies that provide selfless information through particip
T be repossessed, and negotiating deals with them that leave them better off than they might be if the repossession went through
tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products
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