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Status:

Positive or Neutral Judicial Treatment Court of Appeal (Civil Division) 22 Ma 1!!2

Barclays Bank Plc v O'Brien

Case Analysis
Where Reported
"1!!#$ %&'& 1(!) "1!!2$ # *&+&,& -!#) "1!!2$ . All /&,& !0#) "1!!#$ 1 1&+&,& 12.) "1!!#$ 1 1&C&,& !2) (1!!#) 2- 3&+&,& 2) (1!!#) 44 P& 5 C&,& 1#-) (1!!2) 11 Tr& +&,& 1-#) "1!!2$ C&C&+&,& #2) "1!!#$ 1am& +a6 42) (1!!2) 0!(22) +&S&7& #.) (1!!2) 1.2 N&+&J& 1(.() (1!!2) 1#4 S&J&+&'& 12-) "1!!2$ N&P&C& 2.) Times8 June #8 1!!2) 9ndependent8 June 128 1!!2) 1inancial Times8 June 1(8 1!!2) :fficial Transcript Subject ,eal propert Other related subjects A;enc !ey"ords Creditors) Married 6omen) Misrepresentation) Suret Su##ary Suret ) second mort;a;e of matrimonial <ome) 6ife=s consent procured > misrepresentation) >an? failin; to ensure <er full understandin; of transaction) 6<et<er securit enforcea>le a;ainst t<e 6ife Abstract 9t is t<e dut of a mort;a;ee to ensure t<at a de>tor 6<o is li?el to >e influenced > a co@de>tor full understands t<e nature of t<e transaction& 1ailure to do so ma render t<e securit unenforcea>le a;ainst t<e de>tor& 3 and * a;reed to eAecute a second mort;a;e of t<eir <ome as securit for overdraft facilities eAtended to a compan in 6<ic< 3 <ad an interest& T<e >ranc< mana;er sent t<e documents to anot<er >ranc< for eAecution 6it< instructions t<at >ot< parties s<ould >e made full a6are of t<e nature of t<e documents& T<ese instructions 6ere not carried out& * si;ned8 rel in; on 3=s false representations t<at t<e overdraft 6as temporar and limited to 7'P 4(8(((& *<en t<e overdraft eAceeded 7'P 1-.8((( t<e >an? sou;<t possession& *=s appeal a;ainst t<e order 6as dismissed& 3eld8 allo6in; t<e appeal8 t<at 6<ere a creditor ?ne6 t<at a securit 6as >ein; ta?en from a de>tor 6<o 6as li?el to >e t<e su>Bect of undue influence8 t<e creditor s<ould ta?e pains to ma?e sure no unfair advanta;e 6as ;ained& 9f t<e creditor failed so to do8 and t<e transaction 6as procured > misrepresentation or undue influence8 t<e securit 6ould not >e enforcea>le& 9n t<is case t<e >an? <ad failed to ta?e sufficient care to ensure t<at * understood t<e nature and terms of t<e document& T<e >an? could enforce t<e suret onl to t<e eAtent of 7'P 4(8((( ('arcla s 'an? Plc v Cenned (1!0!) 21 3&+&,& 1#2 applied) Midland 'an? Plc v Perr "1!00$ 1 1&+&,& 141 not follo6ed)& $udge Purc<as8 +&J&) 'utler@Sloss8 +&J&) Scott8 +&J& Counsel 1or :: Simon 'uc?<aven& & 1or '': P<ilip 7oodenda && Solicitor 1or :: Stops 5 'urton (Daventr )& & 1or '': 3arr 9 Al?in 5 Co&&

Case Digest

Appellate %istory

Court o& Appeal 'Civil Division( Barclays Bank Plc v O'Brien )*++,- ./B/ *0+1 )*++2- , W/3/R/ 4+,1 )*++2- 5 All 6/R/ +7,1 )*++,- * 8/3/R/ *251 )*++,- * 8/C/R/ +91 '*++,( 24 %/3/R/ 91 '*++,( :: P/ ; C/R/ *,41 '*++2( ** <r/ 3/R/ *4,1 )*++2- C/C/3/R/ ,91 )*++,- 8a#/ 3a" :21 '*++2( 7+'29( 3/S/=/ ,51 '*++2( *52 >/3/$/ *0501 '*++2( *,: S/$/3/B/ *941 )*++2- >/P/C/ 951 <i#es? $une ,? *++21 @ndependent? $une *9? *++21 8inancial <i#es? $une *0? *++2 A&&ir#ed

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%ouse o& 3ords Barclays Bank Plc v O'Brien )*++5- * A/C/ *701 )*++,- , W/3/R/ 97:1 )*++,- 5 All 6/R/ 5*91 )*++5- * 8/3/R/ *1 )*++5- * 8/C/R/ ,491 '*++5( 2: %/3/R/ 941 '*++5( *, <r/ 3/R/ *:41 )*++5- C/C/3/R/ +51 )*++5- 8a#/ 3a" 971 )*++,- 6/=/ *:+ 'C/S/(1 '*++,( *5, >/3/$/ *4**1 '*++,( *,9 S/$/3/B/ 2501 )*++,- >/P/C/ *,41 <i#es? October 22? *++,1 @ndependent? October 22? *++,

Signi&icant Cases Cited

Barclays Bank Plc v !ennedy (1!0!) 21 3&+&,& 1#2) (1!0!) -0 P& 5 C&,& 221) "1!0!$ 1am& +a6 1.#) (1!00) 1#0 N&+&J& ,ep& ##.) Times8 Novem>er 1-8 1!00) 9ndependent8 Novem>er 108 1!00) 1inancial Times8 Novem>er 1-8 1!00) CA (Civ Div) Aidland Bank Plc v Perry "1!00$ 1 1&+&,& 141) "1!02$ 1in& +&,& 2#2) (1!00) -4 P& 5 C&,& 2(2) "1!00$ 1am& +a6 02) :fficial Transcript) CA (Civ Div)