[2025] EWHC 908 (Ch)

IN THE HIGH COURT OF JUSTICE CLAIM NUMBER: PT-2024-000012

BUSINESS AND PROPERTY COURTS ENGLAND AND WALES

PROPERTY TRUSTS AND PROBATE LIST (ChD)

Before Andrew Lenon KC

sitting as a Judge of the High Court

BETWEEN:

HNW LENDING LIMITED

Claimant

and

MS NICOLE STACEY ANN LAWRENCE

Defendant/Part 20 Claimant

and

SETFORDS SOLICITORS

Third Party

Charles Sinclair instructed by LCF Law Limited appeared for the Claimant

Michael Hartman instructed by direct access appeared for the Defendant

Hearing date 25 February 2025

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JUDGMENT

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Contents

Introduction 2

The Procedural Background 3

The Facts 3

The Loan Agreement 7

The Charge 9

HNW’s Application 9

Application to amend 9

Application to strike out the Defence and Counterclaim 10

Ms Lawrence‘s Application 15

Application to strike out the claim 15

Application for security for costs 20

Application for disclosure 20

Overall conclusion 20

Introduction