{"id":9947,"date":"2026-07-06T10:02:46","date_gmt":"2026-07-06T10:02:46","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&#038;p=9947"},"modified":"2026-07-06T10:06:42","modified_gmt":"2026-07-06T10:06:42","slug":"guia-de-perguntas-e-respostas-sobre-nomeacoes-para-a-administracao-judicial-de-entidades-de-credito-de-transicao","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/guia-de-perguntas-e-respostas-sobre-nomeacoes-para-a-administracao-judicial-de-entidades-de-credito-de-transicao\/","title":{"rendered":"Nomea\u00e7\u00f5es de administradores judiciais para institui\u00e7\u00f5es de cr\u00e9dito de transi\u00e7\u00e3o: Guia de perguntas e respostas\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Bridging lenders\u00a0often\u00a0appoint receivers\u00a0pursuant to\u00a0<a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/conselhos-legais-sobre-incomodos-para-senhorios-e-agentes-de-gestao\/\">statutory<\/a> and contractual powers\u00a0to quickly recover outstanding\u00a0debts when borrowers <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/incumprimento-do-emprestimo-intercalar-o-que-acontece-se-nao-conseguir-pagar-um-emprestimo-intercalar-a-tempo\/\">default<\/a> on their loans.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This article sets out some&nbsp;of the&nbsp;frequently&nbsp;asked questions around&nbsp;the appointment process, constitutional frameworks, and recovery mechanisms governing fixed-charge and Law of <a href=\"https:\/\/rfblegal.co.uk\/pt\/categoria\/litigios-imobiliarios\/\">Im\u00f3veis<\/a> Act (<a href=\"https:\/\/rfblegal.co.uk\/pt\/servicos\/direito-pessoal\/procuracoes-e-protecao-judicial\/procuracao\/\">LPA<\/a>) receiverships.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. Bases legais e autoridade constitucional<\/strong>&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>P: Ao abrigo de que disposi\u00e7\u00f5es legais \u00e9 que uma entidade credora de financiamento provis\u00f3rio tem o poder de nomear um administrador judicial?<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R:<\/strong>&nbsp;A compet\u00eancia legal para nomear administradores judiciais decorre de&nbsp;<strong>N.\u00ba 1, al\u00ednea iii), do artigo 101.\u00ba da Lei sobre a Propriedade (LPA) de 1925<\/strong>. This section implies a power to appoint a <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/incumprimento-de-emprestimos-ponte-o-que-acontece-se-for-nomeado-um-administrador-judicial-na-sequencia-do-incumprimento-de-um-emprestimo-ponte\/\">receiver<\/a> into any mortgage or charge executed by <a href=\"https:\/\/rfblegal.co.uk\/pt\/base-de-conhecimentos\/o-que-e-uma-escritura-de-alteracao-de-um-testamento\/\">deed<\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, because statutory powers under the LPA 1925 are <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/qa-acordos-restritivos\/\">restrictive<\/a>, bridging lenders&nbsp;usually tend to&nbsp;explicitly expand these provisions <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/uk-sponsor-licence-applications-guidance-via-skilled-worker-visa-route\/\">via<\/a> the express terms of their&nbsp;<strong>documenta\u00e7\u00e3o relativa a obriga\u00e7\u00f5es ou \u00f4nus legais<\/strong>. Isto cria um \u201cadministrador com remunera\u00e7\u00e3o fixa\u201d contratual, cujos poderes operacionais excedem em muito o mero quadro legal da LPA.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>P: Quando \u00e9 que o poder legal de nomear um administrador judicial surge e passa a ser exerc\u00edvel?<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R:<\/strong>\u00a0Sob\u00a0<strong><a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/Geo5\/15-16\/20\/section\/103\">Artigo 103.\u00ba da LPA de 1925<\/a><\/strong>, the statutory power of sale\u2014and by <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/atualizacoes-e-desafios-relativos-a-reforma-da-aquisicao-coletiva-de-direitos-de-arrendamento\/\">extension<\/a>, the power to appoint a receiver\u2014arises as soon as the mortgage debt becomes due (typically the contractual maturity date).\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No entanto, s\u00f3 se torna&nbsp;<em>exerci\u00e1vel<\/em>&nbsp;quando for cumprido um dos seguintes crit\u00e9rios legais:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Foi notificado ao devedor hipotec\u00e1rio um aviso exigindo o pagamento do montante da hipoteca, tendo-se verificado incumprimento no pagamento de parte ou da totalidade desse montante durante tr\u00eas meses ap\u00f3s a notifica\u00e7\u00e3o.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Some interest under the mortgage is in <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/atrasos-nas-rendas-comerciais-um-guia-pratico-para-inquilinos-comerciais\/\">arrears<\/a> and unpaid for\u00a0two weeks\u00a0after becoming due.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>There has been a <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/o-que-fazer-se-o-seu-inquilino-comercial-estiver-a-violar-o-contrato-de-arrendamento\/\">breach<\/a> of some provision contained in the mortgage deed or in the LPA 1925, other than a covenant to pay the mortgage money or interest.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Importantly,\u00a0almost all\u00a0modern <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/incumprimento-do-emprestimo-intercalar-execucao-do-credor-e-as-suas-opcoes\/\">bridging loan<\/a> <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/acordos-de-compra-de-accoes-qa\/\">agreements<\/a> contractually\u00a0modify\u00a0or exclude Section 103. This allows the lender&#8217;s powers to become\u00a0immediately\u00a0exercisable the moment a contractually defined\u00a0Event of Default\u00a0occurs, without waiting for the statutory periods to lapse.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. O estatuto de ag\u00eancia e o princ\u00edpio da isen\u00e7\u00e3o de responsabilidade<\/strong>&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>P: Qual \u00e9 o significado da rela\u00e7\u00e3o de \u201crepresenta\u00e7\u00e3o presumida\u201d numa administra\u00e7\u00e3o judicial ao abrigo de uma LPA?<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R:<\/strong>\u00a0Sob\u00a0<strong><a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/Geo5\/15-16\/20\/section\/109\">N.\u00ba 2 do artigo 109.\u00ba da LPA de 1925<\/a><\/strong>, a menos que a escritura de hipoteca indique expressamente o contr\u00e1rio, considera-se que o administrador judicial \u00e9 o mandat\u00e1rio do devedor hipotec\u00e1rio (o mutu\u00e1rio).\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This creates a deliberate legal construct with significant <a href=\"https:\/\/rfblegal.co.uk\/pt\/servicos\/direito-comercial\/litigio-imobiliario-atividade\/ocupantes-empresariais\/\">comercial<\/a> <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/cifas-markers-explained-causes-consequences-and-solutions\/\">consequences<\/a>:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Prote\u00e7\u00e3o do credor:<\/strong>\u00a0Because the receiver is the borrower&#8217;s agent, the bridging lender avoids the liabilities of a &#8220;mortgagee in <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/fixed-charge-receivers-and-possession-in-bridging-loan-disputes\/\">possession<\/a>.&#8221; A mortgagee in possession owes a strict duty of strict accountability to the borrower and faces potential liability for physical mismanagement or waste.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Responsabilidade do mutu\u00e1rio:<\/strong>\u00a0O mutu\u00e1rio continua a ser o \u00fanico respons\u00e1vel pelos atos, omiss\u00f5es, contratos e neglig\u00eancia do administrador judicial durante o per\u00edodo de administra\u00e7\u00e3o judicial.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rescis\u00e3o do contrato de ag\u00eancia:<\/strong>\u00a0If the borrower\u00a0enters into\u00a0compulsory <a href=\"https:\/\/rfblegal.co.uk\/pt\/servicos\/direito-comercial\/contencioso-comercial\/insolvencia\/\">liquidation<\/a>, the receiver\u2019s status as an agent of the company ceases. However, the receiver&#8217;s power to hold and dispose of the secured asset survives, and they effectively act as a principal with respect to the property.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. Mecanismos processuais da nomea\u00e7\u00e3o<\/strong>&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>P: Que medidas espec\u00edficas deve um credor tomar para nomear validamente um administrador judicial e evitar uma a\u00e7\u00e3o judicial por nomea\u00e7\u00e3o inv\u00e1lida?<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R:<\/strong>&nbsp;Uma vez que uma nomea\u00e7\u00e3o inv\u00e1lida pode constituir um motivo de a\u00e7\u00e3o judicial&nbsp;<strong>invas\u00e3o de bens e terrenos<\/strong>, lenders must strictly adhere to a precise <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/uma-vitoria-da-equidade-processual-oxford-business-college-ganha-um-recurso-judicial-contra-o-department-for-education\/\">procedural<\/a> sequence:&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Ocorr\u00eancia de um caso de incumprimento:<\/strong>\u00a0Deve existir efetivamente um incumprimento definido contratualmente (por exemplo, n\u00e3o resgate na data de vencimento, viola\u00e7\u00e3o de uma cl\u00e1usula financeira n\u00e3o sanada).\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Notifica\u00e7\u00e3o de uma exig\u00eancia formal:<\/strong>\u00a0The lender must serve a contractually compliant formal demand for immediate repayment. If the charge document requires a specific notice period, that period must expire. If the loan is repayable &#8220;on demand,&#8221;\u00a0the lender <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/can-a-will-cancel-my-previous-agreements\/\">vontade<\/a> often provide the\u00a0borrower a reasonable window to implement the payment transfer.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Marca\u00e7\u00e3o:<\/strong>\u00a0The appointment must be in writing,\u00a0generally taking\u00a0the form of a deed. It must explicitly name the receiver and clearly\u00a0state\u00a0that the power of appointment under the <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/titulo-com-pagamento-diferido\/\">security<\/a> document has arisen.\u00a0If the appointment is via\u00a0deed\u00a0then the deed must be executed validly by the appointer (e.g., the lender). For companies, this typically requires signing by two directors, or one director and the company secretary. If signed by an <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/litigios-relativos-a-energia-e-servicos-publicos-e-um-particular-ou-uma-empresa-que-esta-a-ser-cobrado-em-excesso-pelo-seu-fornecedor-de-energia-ou-servicos-publicos\/\">individual<\/a>, it must be signed in the presence of an independent witness\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Assun\u00e7\u00e3o do cargo:<\/strong>\u00a0The appointment is legally ineffective until the receiver signs the deed or formally accepts the office. Under the <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/a-era-do-pagar-a-medida-que-se-utiliza-como-lidar-com-os-atrasos-no-pagamento-de-rendas-comerciais-em-caso-de-insolvencia-do-inquilino\/\">Insolv\u00eancia<\/a> Rules, this acceptance must occur before the end of the <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/contratos-comerciais-qa\/\">business<\/a> day following receipt of the instrument.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>Notifica\u00e7\u00f5es legais:<\/strong>\u00a0<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Registo Comercial:<\/strong>\u00a0If the borrower is a <a href=\"https:\/\/rfblegal.co.uk\/pt\/categoria\/empresarial\/\">corporate<\/a> entity, form\u00a0<strong>RM01<\/strong>\u00a0deve ser entregue ao Registo Comercial no prazo de\u00a0<strong>7 dias<\/strong>\u00a0da nomea\u00e7\u00e3o nos termos do artigo 859.\u00ba-K da Lei das Sociedades de 2006.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Registo Predial:<\/strong>\u00a0O pedido deve ser apresentado atrav\u00e9s do formul\u00e1rio\u00a0<strong>RX1<\/strong>\u00a0e\u00a0<strong>AP1<\/strong>\u00a0para registar uma restri\u00e7\u00e3o ou anotar a nomea\u00e7\u00e3o no t\u00edtulo registado.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. \u00c2mbito de compet\u00eancias e estrat\u00e9gias de gest\u00e3o de ativos<\/strong>&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>P: Em que medida diferem as estrat\u00e9gias de aliena\u00e7\u00e3o de ativos do administrador judicial no \u00e2mbito de uma garantia fixa padr\u00e3o em compara\u00e7\u00e3o com os poderes legais b\u00e1sicos previstos na LPA?<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R:<\/strong>&nbsp;Um administrador judicial nomeado ao abrigo da lei, sem poderes adicionais, disp\u00f5e de poderes limitados \u2014 que se restringem, essencialmente, \u00e0 cobran\u00e7a de rendas, \u00e0 contrata\u00e7\u00e3o de seguros para o im\u00f3vel e \u00e0 realiza\u00e7\u00e3o de repara\u00e7\u00f5es b\u00e1sicas. N\u00e3o possui um poder legal inerente de venda; esse poder continua a pertencer ao credor.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Em contrapartida, um contrato que confira poderes&nbsp;<strong>receptor de tarifa fixa<\/strong>&nbsp;funciona ao abrigo de um amplo conjunto de compet\u00eancias expressas, explicitamente detalhadas na escritura de hipoteca. Isto permite estrat\u00e9gias de recupera\u00e7\u00e3o distintas:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong><a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/litigios-relativos-a-emprestimos-intercalares-como-gerir-os-incumprimentos-execucao-e-clausulas-abusivas\/\">Aplica\u00e7\u00e3o da lei<\/a> Strategy<\/strong>&nbsp;<\/td><td><strong>Mecanismo jur\u00eddico\/operacional<\/strong>&nbsp;<\/td><td><strong>Objetivo jur\u00eddico principal<\/strong>&nbsp;<\/td><\/tr><tr><td><strong>Realiza\u00e7\u00e3o imediata<\/strong>&nbsp;<\/td><td>Disposal via public auction or <a href=\"https:\/\/rfblegal.co.uk\/pt\/base-de-conhecimentos\/cliente-particular\/\">private<\/a> treaty&nbsp;pursuant to&nbsp;express contractual powers of sale.&nbsp;<\/td><td>Rapid liquidation of the asset to extinguish the <a href=\"https:\/\/rfblegal.co.uk\/pt\/etiqueta\/senior-partner\/\">senior<\/a> debt under volatile market <a href=\"https:\/\/rfblegal.co.uk\/pt\/dados-da-conta-do-cliente\/\">conditions<\/a>.&nbsp;<\/td><\/tr><tr><td><strong>Gest\u00e3o ativa de ativos<\/strong>&nbsp;<\/td><td>Regularisation of occupational tenancies, resolution of structural <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/litigios-de-limites-proteger-os-seus-direitos-de-propriedade-e-resolver-desacordos-com-os-vizinhos\/\">boundary<\/a> disputes, or curing of <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/fazer-um-testamento-e-planear-o-futuro\/\">planning<\/a> <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/o-que-todos-os-senhorios-comerciais-precisam-de-saber-sobre-as-infraccoes-ao-contrato-de-arrendamento\/\">breaches<\/a>.&nbsp;<\/td><td>Mitigar os riscos que prejudicam a comercializa\u00e7\u00e3o, de modo a maximizar o valor bruto de realiza\u00e7\u00e3o.&nbsp;<\/td><\/tr><tr><td><strong>Conclus\u00e3o do projeto de desenvolvimento<\/strong>&nbsp;<\/td><td>Utilizing express powers to borrow funds, <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/servico-considerado-o-que-fazer-se-o-seu-conjuge-nao-se-envolver-num-processo-de-divorcio\/\">engage<\/a> principal contractors, and complete outstanding works.&nbsp;<\/td><td>Avoiding the steep <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/quanto-vale-a-minha-empresa-um-guia-sobre-metodos-de-avaliacao-de-pme\/\">valuation<\/a> discounts applied by the market to incomplete or stalled construction sites.&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. Prioridades financeiras e distribui\u00e7\u00e3o de fundos<\/strong>&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>P: Qual \u00e9 a ordem de prioridade prevista na lei para a distribui\u00e7\u00e3o dos rendimentos obtidos pelo administrador judicial?<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R:<\/strong>\u00a0A utiliza\u00e7\u00e3o dos fundos recebidos por um administrador judicial ao abrigo de uma LPA \u00e9 regida por\u00a0<a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/Geo5\/15-16\/20\/section\/109\"><strong>N.\u00ba 8 do artigo 109.\u00ba da Lei sobre a Propriedade de 1925<\/strong>.<\/a> Os rendimentos devem ser distribu\u00eddos na seguinte ordem sequencial precisa:\u00a0<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Renda, taxas e impostos:<\/strong>\u00a0Pagamento de todas as despesas, taxas, impostos e contribui\u00e7\u00f5es que incidam sobre o im\u00f3vel hipotecado.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>\u00d4nus anteriores:<\/strong>\u00a0<a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/a-par-da-lei-ultimos-desenvolvimentos-juridicos-para-senhorios-e-agentes-de-gestao\/\">Keeping<\/a> down all annual sums or other payments, and the interest on all principal sums, having priority to the mortgage in <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/o-direito-de-primeira-recusa-principais-informacoes-para-senhorios-e-inquilinos\/\">right<\/a> whereof he is receiver.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Comiss\u00e3o e despesas do administrador:<\/strong>\u00a0Pagamento da comiss\u00e3o legal do administrador judicial, dos pr\u00e9mios de seguro e do custo das repara\u00e7\u00f5es efetuadas por indica\u00e7\u00e3o da entidade credora.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Juros subordinados\/juros seniores:<\/strong>\u00a0Pagamento dos juros vencidos relativos a qualquer montante de capital em d\u00edvida ao abrigo da hipoteca.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>D\u00edvida principal:<\/strong>\u00a0Pagamento do montante em d\u00edvida ao abrigo da hipoteca (a d\u00edvida de transi\u00e7\u00e3o de capital, incluindo as penaliza\u00e7\u00f5es contratuais por incumprimento).\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"6\" class=\"wp-block-list\">\n<li><strong>Res\u00edduo excedente:<\/strong>\u00a0Pagamento do saldo final, se houver, \u00e0 pessoa que, n\u00e3o fosse a posse do administrador judicial, teria direito a receber os rendimentos do im\u00f3vel hipotecado (por exemplo, titulares de garantias secund\u00e1rias ou o mutu\u00e1rio).\u00a0<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>6. Mitiga\u00e7\u00e3o de riscos e medidas a tomar pelo mutu\u00e1rio<\/strong>&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>P: Que vias legais pode um mutu\u00e1rio seguir para contestar ou impedir uma liquida\u00e7\u00e3o judicial?<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R:<\/strong>&nbsp;Os mutu\u00e1rios costumam apresentar recursos em tr\u00eas frentes jur\u00eddicas principais:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Medida cautelar:<\/strong>\u00a0Seeking an interim <a href=\"https:\/\/rfblegal.co.uk\/pt\/base-de-conhecimentos\/injuncao-de-congelamento-o-que-sao-e-como-podem-ajudar\/\">injunction<\/a> to restrain the appointment or a proposed asset sale. To succeed, the borrower must satisfy the\u00a0<em>American Cyanamid<\/em>\u00a0principles,\u00a0demonstrating\u00a0there is\u00a0a serious issue\u00a0to be tried and that damages would not be an adequate <a href=\"https:\/\/rfblegal.co.uk\/pt\/base-de-conhecimentos\/indenizacao-financeira-por-que-nao-arriscar\/\">remedy<\/a>.\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/reclamacoes-por-mau-estado-de-conservacao-um-guia-para-senhorios-de-habitacoes-particulares\/\">Claims<\/a> for Breach of Duty:<\/strong>\u00a0Embora os administradores judiciais n\u00e3o tenham um dever geral de dilig\u00eancia para com os mutu\u00e1rios no sentido de escolherem o melhor momento absoluto para a venda, t\u00eam, sim, um dever equitativo de boa-f\u00e9. Devem tomar\u00a0<strong>medidas razo\u00e1veis para obter o melhor pre\u00e7o que for razoavelmente poss\u00edvel obter<\/strong>\u00a0at the time of the sale.\u00a0If a receiver dumps an asset via a fire-sale without proper <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/meme-marketing-gestores-de-redes-sociais-cuidado-com-as-armadilhas-legais\/\">marketing<\/a>, the borrower\u00a0may\u00a0bring a claim\u00a0for the shortfall.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Morat\u00f3rias em caso de insolv\u00eancia:<\/strong>\u00a0Se o mutu\u00e1rio for uma entidade empresarial eleg\u00edvel, a apresenta\u00e7\u00e3o de um pedido de\u00a0<strong>Administra\u00e7\u00e3o<\/strong>\u00a0nos termos do Anexo B1 da Lei da Insolv\u00eancia de 1986, desencadeia um processo autom\u00e1tico e previsto na lei\u00a0<strong>morat\u00f3ria<\/strong>. This prevents a fixed-charge or LPA receiver from\u00a0commencing\u00a0or continuing enforcement actions without the consent of the administrator or the <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/a-ronald-fletcher-baker-llp-e-a-selborne-chambers-obtem-autorizacao-para-recorrer-num-processo-relativo-a-premios-de-seguro\/\">permission<\/a> of the court.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Contacte-nos \u2013 David Burns, s\u00f3cio s\u00e9nior da \u00e1rea de contencioso&nbsp;<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Senior <a href=\"https:\/\/rfblegal.co.uk\/pt\/etiqueta\/litigation-team-br\/\">Contencioso<\/a> Partner David Burns&nbsp;has&nbsp;extensive experience acting on behalf of borrowers where lenders have appointed receivers.&nbsp;&nbsp;For enquiries on this topic, please <a href=\"https:\/\/rfblegal.co.uk\/pt\/contactar-nos\/\">contact<\/a> David Burns via email&nbsp;<a href=\"mailto:d.burns@rfblegal.co.uk\" target=\"_blank\" rel=\"noreferrer noopener\">d.burns@rfblegal.co.uk<\/a>&nbsp;ou ligue diretamente para o n\u00famero 0207 467 5751.&nbsp;&nbsp;<\/p>","protected":false},"author":12,"featured_media":9956,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[20],"tags":[81],"class_list":["post-9947","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","category-property-litigation","tag-litigation-team-dj"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Bridging lenders often appoint receivers pursuant to statutory and contractual powers to quickly recover outstanding debts when borrowers default on their loans. 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Este artigo apresenta algumas das perguntas mais frequentes sobre o processo de nomea\u00e7\u00e3o, os quadros constitucionais e os mecanismos de recupera\u00e7\u00e3o que regem as liquida\u00e7\u00f5es judiciais com garantia real e ao abrigo da Lei da Propriedade (LPA). 1. 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