Ellinger's modern banking law:
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| Main Authors: | , , |
|---|---|
| Format: | Book |
| Language: | English |
| Published: |
Oxford [u.a.]
Oxford Univ. Press
2006
|
| Edition: | 4. ed. |
| Subjects: | |
| Online Access: | Inhaltsverzeichnis |
| Physical Description: | LXXXII, 886 S. |
| ISBN: | 9780199281190 019928119X |
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| 245 | 1 | 0 | |a Ellinger's modern banking law |c E. P. Ellinger, Eva Lomnicka and Richard Hooley |
| 246 | 1 | 3 | |a Modern banking law |
| 250 | |a 4. ed. | ||
| 264 | 1 | |a Oxford [u.a.] |b Oxford Univ. Press |c 2006 | |
| 300 | |a LXXXII, 886 S. | ||
| 336 | |b txt |2 rdacontent | ||
| 337 | |b n |2 rdamedia | ||
| 338 | |b nc |2 rdacarrier | ||
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| 650 | 7 | |a Bankwezen |2 gtt | |
| 650 | 4 | |a Banques - Droit - Grande-Bretagne | |
| 650 | 4 | |a Banking law |z Great Britain | |
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| 700 | 1 | |a Lomnicka, Eva |e Verfasser |4 aut | |
| 700 | 1 | |a Hooley, Richard |e Verfasser |4 aut | |
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Record in the Search Index
| _version_ | 1820602892703236096 |
|---|---|
| adam_text |
CONTENTS
PREFACE TO THE FOURTH EDITION XXI
LIST OF ABBREVIATIONS XXV
TABLE OF CASES XXVII
TABLE OF STATUTES BCIII
TABLE OF STATUTORY INSTRUMENTS LXXIX
TABLE OF INTERNATIONAL INSTRUMENTS LXXXIII
PARTI BANKS AND BANKING BUSINESS
1 THE STRUCTURE OF THE BRITISH BANKING WORLD 3
1 THE PROBLEM IN CONTEXT 3
2 THE CLEARING BANKS 5
(I) THE LONDON SCENE 5
(II) THE CLEARING BANKS OF SCOTLAND AND NORTHERN IRELAND 13
(III) THE CRUICKSHANK REPORT 13
3 THE MERCHANT BANKS 16
4 DISCOUNT HOUSES AND THE WHOLESALE MONEY MARKETS 18
5 FOREIGN BANKS 19
(I) OVERVIEW 19
(II) THE ASSOCIATION OF FOREIGN BANKS 19
(III) THE AMERICAN AND JAPANESE BANKS 20
6 THE BRITISH BANKERS' ASSOCIATION 20
7 COMPARISON WITH BUILDING SOCIETIES 21
8 OTHER FINANCIAL INSTITUTIONS 24
9 REVIEW OF THE SYSTEM 25
2 THE CONTROL OF BANKING ACTIVITIES IN THE UNITED KINGDOM 26
1 THE NEED FOR CONTROLS 26
2 THE BANK OF ENGLAND 29
3 THE BANKING ACTS 1979 AND 1987 32
4 THE FINANCIAL SERVICES AND MARKETS ACT 2000 35
VI CONTENTS
(I) BACKGROUND 35
(II) THE NEED FOR AUTHORIZATION 36
(III) 'ACCEPTING DEPOSITS' 39
(IV) EXEMPT PERSONS 40
(V) AUTHORIZED PERSONS 41
(VI) AUTHORIZED PERSONS: POWERS OF THE FSA 43
(VII) FINANCIAL PROMOTION 45
(VIII) DEPOSIT GUARANTEE SCHEME 49
(IX) THE FINANCIAL OMBUDSMAN SERVICE 50
5 THE EU DIMENSION 53
53
56
57
59
59
60
61
62
62
63
64
66
3 LEGAL DEFINITION AND PRIVILEGES OF BANKS 68
1 BANKS AT COMMON LAW 68
(I) PROBLEM OF DEFINING A BANK 68
(II) BANKING BUSINESS AT COMMON LAW 68
(III) DEFENCES CONFERRED ON BANKS UNDER THE BILLS OF EXCHANGE ACT 1882
73
2 DEFENCES CONFERRED ON BANKS BY STATUTES UTILIZING OTHER DEFINITIONS 74
(I) THE RIGHT TO RECEIVE DEPOSITS FROM PROTECTED CUSTOMERS 74
(II) THE RIGHT TO INVEST IN PROTECTED OR SUPERVISED TRANSACTIONS 76
(III) THE BANKERS' BOOKS EVIDENCE ACT 1879 76
3 THE MEANING OF 'BANK' WHERE THE TERM IS UNDEFINED 77
4 THE RIGHT TO USE THE TERM 'BANK' IN A NAME 78
5 THE CONSUMER CREDIT ACT 1974 79
(I) BACKGROUND 79
(II) AGREEMENTS COVERED 80
(III) PROVISIONS TO BE COMPLIED WITH: LICENSING 81
6
7
8
(I)
(H)
(III)
(IV)
(V)
(VI)
THE
THE
(0
(II)
(III)
INTRODUCTION
THE 'EUROPEAN PASSPORT'
THE BANKING CONSOLIDATION DIRECTIVE
CAPITAL ADEQUACY
THE DEPOSIT GUARANTEE DIRECTIVE
OTHER EU INITIATIVES
BASLE COMMITTEE ON BANKING SUPERVISION
BANKING CODES
BACKGROUND
LEGAL STATUS
CONTENT
'CAT' AND OTHER STANDARDS FOR RETAIL FINANCIAL PRODUCTS
CONTENTS VLL
(IV) CANCELLATION RIGHTS AND CONTRACTUAL DISCLOSURE 82
(V) DEFAULT AND TERMINATION 86
(VI) CONTROL OF ADVERTISEMENTS 87
(VII) CANVASSING 88
(VIII) QUOTATIONS 88
(IX) CREDIT BROKERAGE 89
(X) OTHER 'ANCILLARY CREDIT BUSINESSES' 89
(XI) CREDIT REFERENCE AGENCIES 90
(XII) CONNECTED TRANSACTIONS 90
(XIII) POWERS OF THE COURT 91
(XIV) SUMMARY 92
6 ASSESSMENT OF STATUTORY TREATMENT OF 'BANKING' 92
4 MONEY LAUNDERING AND THE FINANCING OF TERRORISM 94
1 INTRODUCTION 94
2 AN INTERNATIONAL RESPONSE 95
3 THE CONTROL OF MONEY LAUNDERING AND TERRORIST FINANCING IN THE UK 98
(I) GENERAL 98
(II) THE PROCEEDS OF CRIME ACT 2002 99
(A) THE MONEY LAUNDERING OFFENCES 100
(B) THE "FAILURE TO REPORT" OFFENCES 103
(C) TIPPING OFF 107
(I) THE TERRORISM ACT 2000 AND RELATED PROVISIONS 108
(II) THE MONEY LAUNDERING REGULATIONS 2003 111
(III) THE FSA HANDBOOK 113
4 SOME PROBLEMS POSED TO BANKS BY MONEY LAUNDERING CONTROL 114
5 THE BANK AND ITS CUSTOMERS 117
1 THE LEGAL NATURE OF THE PROBLEM 117
2 WHO IS A CUSTOMER? 118
3 THE NATURE OF THE RELATIONSHIP BETWEEN BANKER AND CUSTOMER 121
4 THE BANK'S DUTY OF CARE AND POSITION AS FIDUCIARY 127
(I) THE BANKER-CUSTOMER RELATIONSHIP AS A FIDUCIARY RELATIONSHIP 130
(II) UNDUE INFLUENCE 135
(III) DUTY OF CARE IN CONTRACT AND TORT 152
(IV) REMEDIES 163
5 THE CONFIDENTIAL NATURE OF THE CONTRACT 165
(I) GENERAL SCOPE 165
VLLL CONTENTS
(II) DURATION AND SCOPE OF THE DUTY OF SECRECY 170
(III) COMPULSION AT LAW 173
(IV) DUTY TO THE PUBLIC 181
(V) THE BANK'S OWN INTEREST 183
(VI) INFORMATION DISCLOSED WITH CUSTOMER'S AUTHORITY 186
(VII) SECRECY AND THE INTERVENTION OF FOREIGN COURTS 188
TERMINATION OF THE RELATIONSHIP 195
PART II THE BANK AS A MONETARY AGENCY IN DOMESTIC
TRANSACTIONS
6 THE BANK'S ROLE AS A DEPOSITORY 201
1 ECONOMIC FUNCTION AND LEGAL CONCEPT 201
2 PRACTICAL IMPLICATIONS OF THE ECONOMIC AND LEGAL CONCEPT 204
3 THE BANK AS A DEPOSITORY OF ITS CUSTOMER'S FUNDS AND AS PAYMASTER
OF HIS ACCOUNTS 205
4 THE BANK AS ITS CUSTOMER'S AGENT FOR COLLECTION 208
5 CONCLUSION 210
7 THE CURRENT ACCOUNT 212
1 SPECIAL NATURE OF THE CURRENT ACCOUNT 212
2 THE STATEMENT OF ACCOUNT 215
(I) THE NATURE OF THE PROBLEM 215
(II) THE BANK'S RIGHT TO RECTIFY ERRORS 215
(III) THE CUSTOMER'S RIGHT TO DEMAND CORRECTIONS 217
(IV) BANK STATEMENTS AND PASS-BOOK ENTRIES AS ACCOUNTS STATED 225
(V) CUSTOMER'S SILENCE WITH KNOWLEDGE OF WRONG ENTRY 226
3 COMBINATION OF ACCOUNTS 229
(I) PROBLEM IN PRACTICE 229
(II) LEGAL MEANING OF'COMBINATION OF ACCOUNTS' 230
(III) WHEN MAY ACCOUNTS BE COMBINED? 234
(IV) IS NOTICE REQUIRED? 242
(V) SPECIAL PROBLEMS IN INSOLVENCY SITUATIONS 244
(VI) COMBINATION OF ACCOUNTS IN CUSTOMER'S INTEREST 247
4 THIRD-PARTY CLAIMS 249
(I) DEFINITION OF THE PROBLEM 249
(II) NATURE AND ELEMENTS OF CONSTRUCTIVE TRUST ACTIONS 250
CONTENTS IX
(III) DISHONEST ASSISTANCE 253
(A) THERE MUST HAVE BEEN A TRUST OR OTHER FIDUCIARY RELATIONSHIP 254
(B) THERE MUST HAVE BEEN A MISFEASANCE OR BREACH OF TRUST 255
(C) THE PERSON UPON WHOM LIABILITY IS TO BE IMPOSED MUST AS A
MATTER OF FACT HAVE BEEN AN ACCESSORY OR ASSISTED IN THE
MISFEASANCE OR BREACH OF TRUST 257
(D) THE ACCESSORY MUST HAVE BEEN DISHONEST 258
(IV) KNOWING RECEIPT 265
(A) BENEFICIAL RECEIPT 266
(B) LEVEL OF KNOWLEDGE REQUIRED 269
(V) TRACING MONEY 273
(A) TRACING AT COMMON LAW 274
(B) TRACING IN EQUITY 279
(VI) A FIDUCIARY RELATIONSHIP 282
(VII) OVERDRAWN ACCOUNTS 285
(VIII) BANKS AS AGENTS 288
8 SPECIAL TYPES OF ACCOUNT 290
1 TYPE OF PROBLEM 290
2 JOINT ACCOUNTS 291
(I) NATURE OF THE ACCOUNT 291
(II) RIGHT TO DRAW 291
(III) SURVIVORSHIP 293
3 PARTNERSHIP ACCOUNTS 298
(I) OPENING AND OPERATING A PARTNERSHIP ACCOUNT 298
(II) BORROWING THROUGH A PARTNERSHIP'S ACCOUNT 299
(III) DISSOLUTION OF A PARTNERSHIP BY DEATH 299
(IV) PROBLEMS OF INSOLVENCY 300
4 EXECUTORS' ACCOUNTS 301
5 TRUST ACCOUNTS 303
(I) GENERAL PRINCIPLES 303
(II) BORROWINGS BY TRUSTEES 303
(III) DUTY OF THE BANK 304
6 SOLICITORS' ACCOUNTS 307
(I) OPERATION OF THE ACCOUNT 307
(II) GARNISHEE ORDERS AND RELATED PROBLEMS: WHO OWNS THE BALANCE? 308
7 ESTATE AGENTS' ACCOUNTS 309
X CONTENTS
8 INVESTMENT BUSINESSES' ACCOUNTS 309
9 LOCAL AUTHORITIES 310
(I) GENERAL PRINCIPLES 310
(II) OPERATION OF ACCOUNTS AND POWER TO BORROW 311
(III) LIABILITY OF THE BANK 311
10 COMPANIES' ACCOUNTS 313
(I) GENERAL PRINCIPLES 313
(II) LENDING TO A COMPANY 314
(III) DEALINGS IN NEGOTIABLE INSTRUMENTS AND CURRENT ACCOUNT OPERATIONS
314
11 UNINCORPORATED ASSOCIATIONS'ACCOUNTS 318
12 MARRIED WOMEN'S ACCOUNTS 320
(I) OPERATION OF ACCOUNT 320
(II) BORROWING BY MARRIED WOMEN 320
(III) WIFE'S GUARANTEE OF HUSBAND'S DEBT 321
13 MINORS' ACCOUNTS 321
(I) GENERAL PRINCIPLES RELEVANT IN THE CONTEXT OF BANKING 321
(II) SPECIFIC PROBLEMS FACED BY THE BANK: CURRENT-ACCOUNT QUESTIONS
AND LENDING 322
14 MENTALLY INCAPACITATED PERSONS' ACCOUNTS 326
(I) GENERAL PRINCIPLES 326
(II) CONSIDERATIONS RELEVANT TO BANKING OPERATIONS 326
9 INTEREST-BEARING ACCOUNTS 329
1 CLASSIFICATION AND COMPARISON WITH CURRENT ACCOUNTS 329
2 LEGAL NATURE OF THE ARRANGEMENT 331
(I) CREDITOR-DEBTOR RELATIONSHIP 331
(II) PAYMENT TO THE WRONG PERSON 332
(III) TERMS OF CONTRACT 333
(IV) JOINT DEPOSITS 334
3 DISPOSITIONS OVER BALANCE 334
(I) PROBLEMS CONCERNED 334
(II) ASSIGNMENT OF BALANCE OR OF PART THEREOF 335
(III) SET-OFF BY BANK 336
(IV) THIRD PARTY DEBT PROCEEDINGS 337
(V) LIMITATION OF ACTION 337
4 DEPOSIT RECEIPTS AND PASS-BOOKS 339
(I) PROBLEMS INVOLVED 339
CONTENTS XI
(II) LEGAL NATURE OF DEPOSIT RECEIPT AND PASS-BOOK 340
(III) LOSS OF DEPOSIT RECEIPT OR PASS-BOOK 342
(IV) THE DEPOSIT RECEIPT AND THE PASS-BOOK AS THE SUBJECT OF A DONATIO
MORTIS CAUSA 342
(V) NEGOTIABLE CERTIFICATES OF DEPOSIT (NCDS) 343
5 FOREIGN-CURRENCY DEPOSITS 346
6 ASSESSMENT 350
10 THE BANK AS PAYMASTER: NEGOTIABLE INSTRUMENTS (INCLUDING
CHEQUES) 352
1 NEGOTIABLE INSTRUMENTS AND THE DEVELOPMENT OF NON-TRANSFERABLE
PAYMENT ORDERS 352
2 THE CLEARING OF CHEQUES AND NON-TRANSFERABLE PAYMENT ORDERS 355
3 THE CHEQUE AS NEGOTIABLE INSTRUMENT 364
(I) INTRODUCTORY 364
(II) DEFINITION AND ATTRIBUTES OF A CHEQUE 364
(III) THE TRANSFERABILITY OF A CHEQUE 368
(IV) POST-DATED CHEQUES 372
(V) MARKING OF CHEQUES 373
4 CROSSED CHEQUES 375
(I) BACKGROUND AND TYPES OF CROSSINGS 375
(II) EXECUTION OF CROSSING AND ITS EFFECT 377
(III) CROSSING ACCOMPANIED BY THE WORDS 'NOT NEGOTIABLE' 378
(IV) CHEQUES CROSSED WITH THE WORDS 'ACCOUNT PAYEE ONLY' ADDED 378
(V) CROSSING OF INSTRUMENTS SIMILAR TO CHEQUES 380
5 THE HOLDER'S DUTIES IN RESPECT OF CHEQUES 381
(I) THE MEANING OF DUTY AND TO WHOM IT IS OWED 381
(II) PRESENTMENT FOR PAYMENT OF A CHEQUE 382
(III) NOTICE OF DISHONOUR 383
(IV) NOTING AND PROTEST 383
6 IMPLICATIONS OF THE CONSUMER CREDIT ACT 1974 384
7 TRAVELLERS' CHEQUES 384
8 BILLS OF EXCHANGE OTHER THAN CHEQUES 385
(I) NATURE AND USE 385
(II) THE PARTIES TO A BILL 387
(III) POSITION OF THE HOLDER 391
(IV) NEGOTIATION OF A BILL 397
XLL CONTENTS
(V) DISCHARGE OF A BILL 400
(VI) PROCEDURE ON DISHONOUR 403
9 PROMISSORY NOTES 404
10 SPECIAL PROBLEMS OF BILLS DRAWN UNDER LINES OF CREDIT AND ACCEPTANCE
CREDITS 406
(I) THE PROBLEMS DEFINED 406
(II) ARE BILLS DRAWN UNDER ACCEPTANCE CREDITS OR LINES OF CREDIT
ACCOMMODATION BILLS? 406
(III) BANKRUPTCY PROBLEMS 408
11 NEGOTIABLE INSTRUMENTS AND THE CONSUMER CREDIT ACT 1974 410
11 THE PAYING BANK 412
1 THE BANK'S DUTY TO PAY CHEQUES 412
(I) FORM OF CHEQUES AND SCOPE OF DUTY TO PAY 412
(II) AVAILABILITY OF FUNDS 414
(III) THIRD PARTY DEBT PROCEEDINGS 418
(IV) FREEZING INJUNCTIONS 425
(V) CUSTOMER'S DEATH OR INSANITY . 429
(VI) BANKRUPTCY AND WINDING-UP 431
(VII) COUNTERMAND OF PAYMENT 434
2 THE BANK'S LIABILITY FOR WRONGFUL PAYMENT: NATURE OF THE PROBLEM 438
3 THE PAYING BANK'S DEFENCES FOR WRONGFUL PAYMENT AT COMMON LAW
AND IN EQUITY 442
(I) OUTLINE 442
(II) CUSTOMER'S CARELESSNESS AND CASES GIVING RISE TO ESTOPPEL 443
(III) RATIFICATION 449
(IV) CUSTOMER'S AMBIGUOUS INSTRUCTIONS 451
(V) THE EQUITABLE DOCTRINE 451
4 THE PAYING BANK'S DEFENCES FOR WRONGFUL PAYMENT: STATUTORY
PROTECTIONS 453
(I) OUTLAY 453
(II) PAYMENT IN DUE COURSE 453
(III) PAYMENT IN THE ORDINARY COURSE OF BUSINESS 454
(IV) COMPLEMENTARY DEFENCE OF PAYMENT WITHOUT NEGLIGENCE 456
(V) IRREGULARITY IN OR ABSENCE OF INDORSEMENT 458
5 THE CUSTOMER'S REMEDIES FOR WRONGFUL DISHONOUR OF HIS CHEQUES 461
(I) SCOPE OF PROBLEM 461
CONTENTS XLLL
(II) ACTION IN BREACH OF CONTRACT 461
(III) ACTION IN DEFAMATION 464
12 RECOVERY OF MONEY PAID BY MISTAKE 466
1 THE PROBLEM IN PRACTICE AND THE BASIC PRINCIPLE 466
2 RECOVERY WHERE THE MISTAKE IS KNOWN TO THE PAYEE 471
3 RECOVERY IN CASES OF PAYMENTS NOT INVOLVING NEGOTIABLE INSTRUMENTS 473
(I) PAYOR'S LIABILITY AND PAYEE'S ENTIDEMENT 473
(II) NATURE OF OPERATIVE MISTAKE 477
(III) DEFENCES 480
(A) CHANGE OF POSITION 480
(B) GOOD CONSIDERATION 488
(C) ESTOPPEL 492
4 ACTION AGAINST A COLLECTING BANK 494
5 RECOVERY PROBLEMS IN CASES OF NEGOTIABLE INSTRUMENTS 500
(I) SPECIAL PROBLEMS 500
(II) NATURE OF OPERATIVE MISTAKE 500
(III) PAYEE'S CHANGE OF POSITION 503
6 PROPRIETARY RESTITUTIONARY CLAIMS 506
(I) AT COMMON LAW 506
(II) INEQUITY 510
13 THE GIRO SYSTEM AND ELECTRONIC TRANSFER OF FUNDS 512
1 INTRODUCTION AND BASIC CONCEPTS 512
(I) THE NATURE OF A GIRO TRANSFER 513
(II) TERMINOLOGY 514
(III) CREDIT AND DEBIT TRANSFERS 515
(IV) CLEARING AND SETTLEMENT 515
(V) CLEARING SYSTEMS AND CLEARING RULES 519
(VI) INTERNATIONAL FUNDS TRANSFERS 520
2 DOMESTIC GIRO FORMS AND THEIR COMPARISON WITH CHEQUES 522
(I) INDIVIDUAL MONEY TRANSFER FORMS (BANK GIRO CREDIT TRANSFERS) 522
(II) STANDING ORDERS 523
(III) DIRECT DEBITING 524
(IV) COMPARISON OF GIRO FORMS WITH CHEQUES 526
3 THE CLEARANCE OF GIRO TRANSFERS 528
XIV CONTENTS
(I) PAPER CLEARING AND ELECTRONIC CLEARING 528
(II) THE MANUAL CLEARING PROCEDURE 528
(III) CLEARANCE THROUGH BACS 530
(IV) CLEARANCE THROUGH CHAPS 532
(A) CHAPS STERLING 532
(B) CHAPS EURO 535
(C) NEWCHAPS 536
4 INTERNATIONAL MONEY TRANSFERS 537
(I) METHODS IN USE 537
(II) THE USE OF BANKERS'DRAFTS 538
(III) MAIL AND TELEGRAPHIC TRANSFERS 539
(IV) SWIFT TRANSFERS 541
5 THE LEGAL NATURE OF MONEY TRANSFER ORDERS 542
(I) THE PROBLEM AREA 542
(II) ARE MONEY TRANSFER ORDERS NEGOTIABLE INSTRUMENTS? 544
(III) IS A MONEY TRANSFER ORDER AN ASSIGNMENT? 546
(IV) POSITION OF THE ORIGINATOR'S BANK 549
(V) POSITION OF THE CORRESPONDENT (INTERMEDIARY) BANK 556
(VI) POSITION OF THE BENEFICIARY'S BANK 558
6 TIME OF PAYMENT AND COUNTERMAND 564
(I) COMPLEXITY OF THE PROBLEM 564
(II) CASES INVOLVING COUNTERMAND OF PAYMENT AND REVERSALS OF CREDIT
ENTRIES 566
(III) CASES INVOLVING PAYMENTS OUT OF TIME 574
(IV) COMPARISON OF THE TWO TYPES OF CASES 577
7 CONFIDENTIALITY OF INFORMATION 578
14 PAYMENT CARDS 581
1 AVAILABLE CARDS REVIEWED AND CLASSIFIED 581
2 TRIPARTITE CREDIT CARDS 584
3 CHARGE CARDS 587
4 CHEQUE 'GUARANTEE' CARDS 589
5 DEBIT OR EFTPOS CARDS 593
6 CASHCARDS 594
7 ELECTRONIC PURSES OR DIGITAL CASH CARDS 597
8 THE PROVISIONS OF THE CONSUMER CREDIT ACT 1974 598
(I) CARDS AFFECTED: MEANING OF 'CREDIT TOKEN' AND 'CREDIT-TOKEN
AGREEMENT' 598
(II) MISUSE OF CARDS 603
CONTENTS XV
(III) UNSOLICITED CREDIT TOKENS 605
(IV) THE CREDIT-TOKEN AGREEMENT 606
(V) NEXUS WITH UNDERLYING TRANSACTION 607
9 DISTANCE MARKETING 608
10 CRIMINAL PROCEEDINGS FOR MISUSE OF CARD 609
11 PAYMENT CARDS AND THE BANKING CODE 612
(I) APPLICATION OF THE CODE TO'CARDS'AND'ELECTRONIC PURSES' 612
(II) LIABILITY FOR MISUSE 612
(III) OTHER PROVISIONS 614
15 THE BANK'S ROLE IN COLLECTING CHEQUES 616
1 THE BANK'S ROLE IN THE TRANSACTION 616
2 THE TRUE OWNER'S CAUSE OF ACTION 616
3 COLLECTION AND DISCOUNT DISTINGUISHED 622
4 THE COLLECTING BANK'S PROTECTION 625
(I) BACKGROUND: SECTION 82 AND SECTION 4 625
(II) ANALYSIS OF SECTION 4(1) 626
(III) NEGLIGENCE: GENERAL STANDARD 628
(IV) NEGLIGENCE IN OPENING AN ACCOUNT 630
(V) NEGLIGENCE IN COLLECTION: FRAUDS BY EMPLOYEES, TRUSTEES, AND AGENTS
633
(VI) NEGLIGENCE RELATED TO CROSSINGS 635
(VII) NEGLIGENCE RELATED TO INDORSEMENTS 637
(VIII) NEGLIGENCE: SUMMARY 638
5 THE DEFENCE OF CONTRIBUTORY NEGLIGENCE 639
6 THE DISCOUNTING BANK'S PROTECTION 641
7 THE PROCESSING BANK'S POSITION 643
8 THE COLLECTING BANK WHICH IS ALSO THE PAYING BANK 647
9 THE COLLECTING BANK'S DUTY TO ITS OWN CUSTOMER 651
(I) THE NATURE OF PROBLEMS ARISING 651
(II) THE COLLECTING BANK'S DUTY TO EFFECT PRESENTMENT 652
(III) NOTICE OF DISHONOUR 655
16 INCIDENTAL SERVICES PERFORMED BY BANKS 656
1 THE COMMON THREAD 656
2 BANKERS' REFERENCES 658
(I) THE RIGHTS OF THE PERSON INVESTIGATED 658
XVI CONTENTS
(II) POSITION OF THE ENQUIRER 662
3 GIVING ADVICE ON FINANCIAL INVESTMENTS 675
4 THE BANKER AS BAILEE AND CUSTODIAN 680
(I) SAFE DEPOSIT SERVICES 680
(II) ITEMS DEPOSITED BY FOREIGN BANKS 683
(III) SAFE DEPOSIT BOXES 684
PART III THE BANK AS FINANCIER AND LENDER IN DOMESTIC
TRANSACTIONS
17 CURRENT ACCOUNT FINANCING AND LOANS 687
1 OVERDRAFTS AND LOANS COMPARED 687
2 OVERDRAFTS 689
(I) PREVAILING PRACTICE 689
(II) THE LEGAL NATURE OF AN OVERDRAFT 690
(III) THE RIGHT TO CHARGE INTEREST 694
(IV) APPROPRIATION OF PAYMENTS 699
(V) CONSUMER CREDIT ASPECTS 703
3 BANK LOANS 706
(I) SCOPE 706
(II) REVIEW OF THE TRANSACTION BY THE BANK 707
(III) CONSUMER CREDIT IMPLICATIONS 712
4 SYNDICATED LOANS 716
(I) DISTINGUISHING BETWEEN SYNDICATED LOANS AND LOAN PARTICIPATIONS 716
(II) MECHANICS OF SYNDICATION 717
(III) TERMS OF A SYNDICATED LOAN AGREEMENT 717
(IV) LEGAL NATURE OF A LOAN SYNDICATE 719
(V) LOAN PARTICIPATIONS 722
5 LENDER LIABILITY 725
(I) PRE-CONTRACTUAL NEGOTIATION 725
(II) MANAGEMENT AND TERMINATION OF THE FACILITY 728
(III) INSOLVENCY OF THE BORROWER 732
(IV) ENVIRONMENTAL LIABILITY 735
(A) INDIRECT CONSEQUENCES 735
(B) DIRECT LIABILITY 737
(C) CONCLUSION 743
CONTENTS XV11
18 SECURITIES FOR BANKERS'ADVANCES: THE GENERAL PART 745
1 NATURE, PURPOSE, AND CLASSIFICATION OF SECURITIES 745
(I) THE NATURE OF 'SECURITY' 745
(II) THE PURPOSE OF SECURITY 748
(III) CLASSIFICATION OF SECURITIES 748
2 THE EFFECT OF VALID SECURITY IN INSOLVENCY 750
3 THE RIGHT OF REDEMPTION 752
4 EFFECT OF THE CONSUMER CREDIT ACT 1974 ON SECURITIES 754
(I) BASIC TERMS AND STRUCTURE OF PART VIII OF THE ACT 754
(II) FORM OF SECURITY 756
(III) INFORMATION TO BE SUPPLIED BY THE CREDITOR 757
(IV) REALIZATION OF SECURITY 757
(V) ANTI-EVASION PROVISION 758
19 PROPRIETARY SECURITIES 759
1 SCOPE 759
2 MORTGAGES OVER LAND 760
(I) INTRODUCTION 760
(II) THE SUBJECT-MATTER OF THE SECURITY 761
(III) LEGAL AND EQUITABLE MORTGAGES AND EQUITABLE CHARGES 762
(IV) PROTECTION OF MORTGAGEES 764
(V) SECOND OR SUBSEQUENT MORTGAGES 765
(VI) PRIORITIES 766
(VII) TACKING 768
(VIII) REMEDIES OF MORTGAGEE 769
(IX) PROTECTION OF MORTGAGOR 772
(X) COMMON CLAUSES 774
(XI) EFFECT OF THE CONSUMER CREDIT ACT 1974 774
(XII) EFFECT OF THE FINANCIAL SERVICES AND MARKETS ACT 2000 775
3 PROPRIETARY SECURITIES OVER GOODS 777
(I) GENERAL CONSIDERATIONS 777
(II) CHATTEL MORTGAGES 778
(III) HYPOTHECATION 778
(IV) EFFECT OF THE CONSUMER CREDIT ACT 1974 781
4 SECURITIES GRANTED BY COMPANIES 781
(I) NATURE AND FLEXIBILITY OF COMPANIES'CHARGES 781
(II) FIXED AND FLOATING CHARGES 783
XV111 CONTENTS
(III) REGISTRATION OF COMPANY CHARGES 785
(IV) PRIORITIES 787
(V) SPECIAL RULES GOVERNING FLOATING CHARGES 789
(VI) CRYSTALLIZATION OF FLOATING CHARGES 791
(VII) ASSESSMENT 794
20 POSSESSORY SECURITIES 795
1 THE PLEDGE 795
(I) UTILIZATION OF PLEDGES BY BANKS 795
(II) STANDARD CONDITIONS IN PLEDGES AND RIGHTS CONFERRED ON BANKS 797
(III) PLEDGE OF NEGOTIABLE INSTRUMENTS AND MARKETABLE SECURITIES 798
(IV) PLEDGE BY MEANS OF DOCUMENTS OF TITLE 799
(V) FIELD WAREHOUSING 801
(VI) EFFECT OF THE CONSUMER CREDIT ACT 1974 802
2 THE BANKER'S LIEN 803
21 CHOSES IN ACTION AS SECURITY 807
1 GENERAL PRINCIPLES 807
2 SECURITY OVER BOOK DEBTS AND OTHER RECEIVABLES 810
(I) MEANING OF 'BOOK DEBTS' AND 'RECEIVABLES' 810
(II) 'RECEIVABLES FINANCING' 811
(III) FIXED OR FLOATING CHARGE? 812
(IV) RESTRICTIONS ON ASSIGNMENT 815
(V) REGISTRATION, AND THE EFFECT OF FAILURE TO DO SO 818
(VI) PRIORITIES 820
(VII) ASSET SECURITIZATION 824
3 BANK BALANCES AS SECURITY 825
(I) BASIC PROBLEMS 825
(II) SECURITY TO A BANK WITH WHICH FUNDS ARE DEPOSITED: SET-OFF IN
EQUITY
AND INSOLVENCY 826
(III) SECURITY TO A BANK WITH WHICH FUNDS ARE DEPOSITED: CONTRACTUAL
SET-OFF AND FLAWED ASSET ARRANGEMENTS 827
(IV) CHARGES OVER BANK BALANCES 830
4 LIFE POLICIES AS SECURITY 833
5 STOCKS AND SHARES ETC. AS SECURITY 836
(I) STOCKS AND SHARES ETC. AS SECURITY 836
(II) TYPES OF SECURITY: LEGAL MORTGAGE AND EQUITABLE MORTGAGE OR CHARGE
838
(III) ADVANTAGES AND DISADVANTAGES OF EQUITABLE MORTGAGE OR CHARGE 839
CONTENTS XIX
(IV) ADVANTAGES AND DISADVANTAGES OF LEGAL MORTGAGE 841
(V) PRIORITIES 843
(VI) REGISTRATION 844
22 GUARANTEES 846
1. DEFINITIONS AND DISTINCTIONS 846
2. FORMATION 848
3. CO-EXTENSIVENESS 849
4. VITIATING FACTORS 851
5. INTERPRETATION OF GUARANTEES 853
6. DISCHARGE OF THE GUARANTOR 855
7. RIGHTS OF THE GUARANTOR 859
8. ACCEPTANCE CREDITS 861
INDEX 863 |
| any_adam_object | 1 |
| author | Ellinger, E. P. 1933- Lomnicka, Eva Hooley, Richard |
| author_GND | (DE-588)1055082786 |
| author_facet | Ellinger, E. P. 1933- Lomnicka, Eva Hooley, Richard |
| author_role | aut aut aut |
| author_sort | Ellinger, E. P. 1933- |
| author_variant | e p e ep epe e l el r h rh |
| building | Verbundindex |
| bvnumber | BV020006980 |
| callnumber-first | K - Law |
| callnumber-label | KD1715 |
| callnumber-raw | KD1715 |
| callnumber-search | KD1715 |
| callnumber-sort | KD 41715 |
| callnumber-subject | KD - United Kingdom and Ireland |
| classification_rvk | PU 4370 |
| ctrlnum | (OCoLC)60512570 (DE-599)BVBBV020006980 |
| dewey-full | 346.41/082 |
| dewey-hundreds | 300 - Social sciences |
| dewey-ones | 346 - Private law |
| dewey-raw | 346.41/082 |
| dewey-search | 346.41/082 |
| dewey-sort | 3346.41 282 |
| dewey-tens | 340 - Law |
| discipline | Rechtswissenschaft |
| edition | 4. ed. |
| format | Book |
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| geographic | Großbritannien Großbritannien (DE-588)4022153-2 gnd |
| geographic_facet | Großbritannien |
| id | DE-604.BV020006980 |
| illustrated | Not Illustrated |
| indexdate | 2025-01-07T15:03:39Z |
| institution | BVB |
| isbn | 9780199281190 019928119X |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-013328607 |
| oclc_num | 60512570 |
| open_access_boolean | |
| owner | DE-703 DE-29 DE-M382 |
| owner_facet | DE-703 DE-29 DE-M382 |
| physical | LXXXII, 886 S. |
| publishDate | 2006 |
| publishDateSearch | 2006 |
| publishDateSort | 2006 |
| publisher | Oxford Univ. Press |
| record_format | marc |
| spelling | Ellinger, E. P. 1933- Verfasser (DE-588)1055082786 aut Ellinger's modern banking law E. P. Ellinger, Eva Lomnicka and Richard Hooley Modern banking law 4. ed. Oxford [u.a.] Oxford Univ. Press 2006 LXXXII, 886 S. txt rdacontent n rdamedia nc rdacarrier Bankrecht gtt Bankwezen gtt Banques - Droit - Grande-Bretagne Banking law Great Britain Bankrecht (DE-588)4004473-7 gnd rswk-swf Großbritannien Großbritannien (DE-588)4022153-2 gnd rswk-swf Großbritannien (DE-588)4022153-2 g Bankrecht (DE-588)4004473-7 s DE-604 Lomnicka, Eva Verfasser aut Hooley, Richard Verfasser aut SWB Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=013328607&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Ellinger, E. P. 1933- Lomnicka, Eva Hooley, Richard Ellinger's modern banking law Bankrecht gtt Bankwezen gtt Banques - Droit - Grande-Bretagne Banking law Great Britain Bankrecht (DE-588)4004473-7 gnd |
| subject_GND | (DE-588)4004473-7 (DE-588)4022153-2 |
| title | Ellinger's modern banking law |
| title_alt | Modern banking law |
| title_auth | Ellinger's modern banking law |
| title_exact_search | Ellinger's modern banking law |
| title_full | Ellinger's modern banking law E. P. Ellinger, Eva Lomnicka and Richard Hooley |
| title_fullStr | Ellinger's modern banking law E. P. Ellinger, Eva Lomnicka and Richard Hooley |
| title_full_unstemmed | Ellinger's modern banking law E. P. Ellinger, Eva Lomnicka and Richard Hooley |
| title_short | Ellinger's modern banking law |
| title_sort | ellinger s modern banking law |
| topic | Bankrecht gtt Bankwezen gtt Banques - Droit - Grande-Bretagne Banking law Great Britain Bankrecht (DE-588)4004473-7 gnd |
| topic_facet | Bankrecht Bankwezen Banques - Droit - Grande-Bretagne Banking law Great Britain Großbritannien |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=013328607&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
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