Ellinger's modern banking law:
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| Main Authors: | , , |
|---|---|
| Format: | Book |
| Language: | English |
| Published: |
Oxford [u.a.]
Oxford Univ. Press
2011
|
| Edition: | 5. ed. |
| Subjects: | |
| Online Access: | Inhaltsverzeichnis |
| Physical Description: | CVI, 948 S. |
| ISBN: | 9780199232093 |
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MARC
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| 100 | 1 | |a Ellinger, E. P. |d 1933- |e Verfasser |0 (DE-588)1055082786 |4 aut | |
| 245 | 1 | 0 | |a Ellinger's modern banking law |c E. P. Ellinger, Eva Lomnicka and C. V. M. Hare |
| 246 | 1 | 3 | |a Modern banking law |
| 250 | |a 5. ed. | ||
| 264 | 1 | |a Oxford [u.a.] |b Oxford Univ. Press |c 2011 | |
| 300 | |a CVI, 948 S. | ||
| 336 | |b txt |2 rdacontent | ||
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| 650 | 4 | |a Banking law / Great Britain | |
| 650 | 4 | |a Banking law |z Great Britain | |
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| 700 | 1 | |a Lomnicka, Eva |e Verfasser |4 aut | |
| 700 | 1 | |a Hare, Christopher V. M. |e Verfasser |4 aut | |
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Record in the Search Index
| _version_ | 1820602891862278144 |
|---|---|
| adam_text |
IMAGE 1
CONTENTS
PREFACE TO THE FIFTH EDITION XVII
LIST OF ABBREVIATIONS XXI
TABLE OF CASES XXIII
TABLE OF STATUTES IXXXVII
TABLE OF STATUTORY INSTRUMENTS XCIX
TABLE OF EUROPEAN DIRECTIVES, REGULATIONS AND DECISIONS CV
TABLE OF EUROPEAN AND INTERNATIONAL TREATIES AND CONVENTIONS CVII
P A RT I B A N KS A ND B A N K I NG 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 OR INVESTMENT BANKS 17
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
(I) INTRODUCTION 26
(II) THE GENERAL POSITION IN THE UNITED KINGDOM 27
(III) THE BANKING ACT 2009 28
(IV) THE FUTURE 29
2 THE BANK OF ENGLAND 30
3 THE BANKING ACTS 1979 AND 1987 31
4 THE FINANCIAL SERVICES AND MARKETS ACT 2000 33
(I) BACKGROUND 33
(II) THE NEED FOR AUTHORIZATION 34
(III) 'ACCEPTING DEPOSITS' 36
IMAGE 2
VJ CONTENTS
(IV) EXEMPT PERSONS 37
(V) AUTHORIZED PERSONS 38
(VI) AUTHORIZED PERSONS: POWERS OF THE FSA 40
(VII) FINANCIAL PROMOTION 42
(VIII) DEPOSIT GUARANTEE SCHEME 45
(IX) THE FINANCIAL OMBUDSMAN SERVICE 47
5 THE CONSUMER CREDIT ACT 1974 50
(I) BACKGROUND 50
(II) AGREEMENTS COVERED 51
(III) PROVISIONS TO BE COMPLIED WITH: LICENSING 52
(IV) CONTRACTUAL DISCLOSURE AND WITHDRAWAL/CANCELLATION RIGHTS 53
(V) DEFAULT AND TERMINATION 57
(VI) CONTROL OF ADVERTISEMENTS 58
(VII) CANVASSING 60
(VIII) QUOTATIONS 60
(IX) CREDIT BROKERS AND CREDIT INTERMEDIARIES 61
(X) OTHER 'ANCILLARY CREDIT BUSINESSES' 61
(XI) CREDIT REFERENCE AGENCIES 62
(XII) CONNECTED TRANSACTIONS 62
(XIII) POWERS OF THE COURT 64
(XIV) SUMMARY 64
6 CONDUCT OF BUSINESS REGULATION IN RETAIL BANKING 65
(I) BACKGROUND: THE BANKING CODES 65
(II) THE LEGAL STATUS OF THE LENDING CODE 66
(III) RETAIL BANKING REGULATION AND THE FSA'S BANKING AND
PAYMENT SERVICES (BPS) REGIME 67
7 THE EU DIMENSION 69
(I) INTRODUCTION 69
(II) THE'EUROPEAN PASSPORT' 71
(III) THE CAPITAL REQUIREMENTS DIRECTIVE (CRD), PART 1 73
(IV) CAPITAL ADEQUACY: THE CRD, PART 2 74
(V) THE DEPOSIT GUARANTEE SCHEME DIRECTIVE 75
(VI) OTHER EC INITIATIVES 76
8 THE BASLE COMMITTEE ON BANKING SUPERVISION 77
3 LEGAL DEFINITION AND PRIVILEGES OF BANKS 79
1 BANKS AT COMMON LAW 79
(I) PROBLEM OF DEFINING A BANK 79
(II) BANKING BUSINESS AT COMMON LAW 80
(IIT) THE SIGNIFICANCE OF THE COMMON LAW DEFINITION OF' BANKER' 85
2 RIGHTS AND PRIVILEGES CONFERRED ON BANKS BY STATUTES UTILIZING OTHER
DEFINITIONS 86
(I) THE RIGHT TO RECEIVE DEPOSITS FROM PROTECTED CUSTOMERS 86
(II) THE RIGHT TO INVEST IN PROTECTED OR SUPERVISED TRANSACTIONS 87
(III) THE BANKERS'BOOKS EVIDENCE ACT 1879 88
3 THE MEANING OF 'BANK' WHERE THE TERM IS UNDEFINED 88
4 THE RIGHT TO USE THE TERM 'BANK' IN A NAME 89
5 ASSESSMENT OF THE STATUTORY TREATMENT OF 'BANKING' 90
IMAGE 3
CONTENTS VII
4 MONEY LAUNDERING AND THE FINANCING OF TERRORISM 92
1 INTRODUCTION 92
2 AN INTERNATIONAL RESPONSE 93
3 THE CONTROL OF MONEY LAUNDERING AND THE FINANCING OF TERRORISM IN THE
UK 96
(I) GENERAL 96
(II) THE PROCEEDS OF CRIME ACT 2002 97
(A) THE MONEY LAUNDERING OFFENCES 98
(B) THE'FAILURE TO REPORT'OFFENCES 101
(C) TIPPING OFF 105
(III) THE TERRORISM ACT 2000 AND RELATED PROVISIONS 106
(IV) THE MONEY LAUNDERING REGULATIONS 2007 109
(V) THE FSA HANDBOOK 111
4 SOME PROBLEMS POSED TO BANKS BY MONEY LAUNDERING CONTROL 112
5 THE BANK AND ITS CUSTOMERS 115
1 THE LEGAL NATURE OF THE PROBLEM 115
2 WHO IS A CUSTOMER? 115
3 THE NATURE OF THE RELATIONSHIP BETWEEN BANKER AND CUSTOMER 119
4 THE BANK'S RESPONSIBILITY AS FIDUCIARY, FOR THE EXERCISE OF UNDUE
INFLUENCE, AND FOR BREACH OF ITS DUTY OF CARE 126
(I) THE BANKER-CUSTOMER RELATIONSHIP AS A FIDUCIARY RELATIONSHIP 128
(II) UNDUE INFLUENCE 139
(III) DUTY OF CARE IN CONTRACT AND TORT 154
(IV) REMEDIES 169
5 THE CONFIDENTIAL NATURE OF THE CONTRACT 171
(I) GENERAL SCOPE 171
(II) DURATION AND SCOPE OF THE DUTY OF CONFIDENTIALITY 176
(III) COMPULSION OF LAW 179
(IV) DUTY TO THE PUBLIC 189
(V) THE BANK'S OWN INTEREST 191
(VI) INFORMATION DISCLOSED WITH CUSTOMER'S AUTHORITY 194
(VII) BANK CONFIDENTIALITY AND THE INTERVENTION OF FOREIGN COURTS 197
(A) EVIDENCE SOUGHT IN ENGLAND IN SUPPORT OF FOREIGN PROCEEDINGS 198 (B)
EVIDENCE SOUGHT ABROAD IN SUPPORT OF ENGLISH PROCEEDINGS 205
6 TERMINATION OF THE RELATIONSHIP 207
PART II THE BANK AS A MONETARY AGENCY IN DOMESTIC TRANSACTIONS
THE BANK'S ROLE AS A DEPOSITORY 213
1 ECONOMIC FUNCTION AND LEGAL CONCEPT 213
2 PRACTICAL IMPLICATIONS OF THE ECONOMIC AND LEGAL CONCEPT 216
3 THE BANK AS A DEPOSITORY OF ITS CUSTOMER'S FUNDS AND AS PAYMASTER
OF HIS ACCOUNTS 217
4 THE BANK AS ITS CUSTOMER'S AGENT FOR COLLECTION 220
5 CONCLUSION 221
IMAGE 4
VIII CONTENTS
7 THE CURRENT ACCOUNT 223
1 SPECIAL NATURE OF THE CURRENT ACCOUNT 223
2 THE OPENING AND GENERAL OPERATION OF THE CURRENT ACCOUNT 226
3 THE STATEMENT OF ACCOUNT 233
(I) THE NATURE OF THE PROBLEM 233
(II) THE BANK'S RIGHT TO RECTIFY ERRORS 233
(III) THE CUSTOMER'S RIGHT TO DEMAND CORRECTIONS 235
(IV) BANK STATEMENTS AND PASS-BOOK ENTRIES AS ACCOUNTS STATED 244
(V) CUSTOMER'S SILENCE WITH KNOWLEDGE OF WRONG ENTRY 245
4 COMBINATION OF ACCOUNTS 248
(I) PROBLEM IN PRACTICE 248
(II) LEGAL MEANING OF'COMBINATION OF ACCOUNTS' 249
(III) WHEN MAY ACCOUNTS BE COMBINED? 253
(IV) IS NOTICE REQUIRED? 261
(V) SPECIAL PROBLEMS IN INSOLVENCY SITUATIONS 263
(VI) COMBINATION OF ACCOUNTS IN CUSTOMER'S INTEREST 266
5 THIRD-PARTY CLAIMS 268
(I) DEFINITION OF THE PROBLEM 268
(II) NATURE AND ELEMENTS OF CONSTRUCTIVE TRUST ACTIONS 270
(III) DISHONEST ASSISTANCE 273
(A) THERE MUST HAVE BEEN A TRUST OR OTHER FIDUCIARY RELATIONSHIP 275
(B) THERE MUST HAVE BEEN A MISFEASANCE OR BREACH OF TRUST 277
(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 278 (D) THE ACCESSORY MUST HAVE BEEN DISHONEST 280
(IV) KNOWING RECEIPT 291
(A) BENEFICIAL RECEIPT 292
(B) LEVEL OF KNOWLEDGE REQUIRED 295
(V) TRACING MONEY 299
(A) TRACING AT COMMON LAW 301
(B) TRACING IN EQUITY 306
(VI) A FIDUCIARY RELATIONSHIP 309
(VII) OVERDRAWN ACCOUNTS 313
(VIII) BANKS AS AGENTS 316
6 CLOSURE OF THE CURRENT ACCOUNT 317
8 SPECIAL TYPES OF ACCOUNT 319
1 TYPE OF PROBLEM 319
2 JOINT ACCOUNTS 320
(I) NATURE OF THE ACCOUNT 320
(II) RIGHT TO DRAW 320
(III) SURVIVORSHIP 324
(A) LEGAL ENTITLEMENT TO THE CHOSE IN ACTION REPRESENTING THE CREDIT
BALANCE 324
(B) BENEFICIAL ENTITLEMENT TO THE CHOSE IN ACTION REPRESENTING THE
CREDIT BALANCE 327
(C) BARE RIGHT OF SURVIVORSHIP 331
3 PARTNERSHIP ACCOUNTS 332
(I) OPENING AND OPERATING A PARTNERSHIP ACCOUNT 332
IMAGE 5
CONTENTS IX
(II) BORROWING THROUGH A PARTNERSHIP'S ACCOUNT 334
(III) DISSOLUTION OF A PARTNERSHIP BY DEATH 335
(IV) PROBLEMS OF INSOLVENCY 336
4 EXECUTORS'ACCOUNTS 336
5 TRUST ACCOUNTS 337
(I) GENERAL PRINCIPLES 337
(II) BORROWINGS BY TRUSTEES 338
(III) POSITION OF BANKS OPERATING TRUST ACCOUNTS 339
6 SOLICITORS'ACCOUNTS 341
(I) OPERATION OF THE ACCOUNT 341
(II) THIRD PARTY DEBT ORDERS AND RELATED PROBLEMS: WHO OWNS THE BALANCE?
342
7 ESTATE AGENTS'ACCOUNTS 343
8 INVESTMENT BUSINESSES'ACCOUNTS 344
9 LOCAL AUTHORITIES 345
(I) GENERAL PRINCIPLES 345
(II) OPERATION OF ACCOUNTS AND THE POWER TO BORROW 346
10 COMPANIES'ACCOUNTS 348
(I) GENERAL PRINCIPLES 348
(II) LENDING TO A COMPANY 350
(III) DEALINGS IN NEGOTIABLE INSTRUMENTS AND CURRENT ACCOUNT OPERATIONS
350
11 UNINCORPORATED ASSOCIATIONS'ACCOUNTS 354
12 MINORS'ACCOUNTS 355
(I) GENERAL PRINCIPLES RELEVANT IN THE CONTEXT OF BANKING 355
(II) SPECIFIC PROBLEMS FACED BY THE BANK: CURRENT ACCOUNT QUESTIONS AND
LENDING 356
13 MENTALLY INCAPACITATED PERSONS'ACCOUNTS 358
9 INTEREST-BEARING ACCOUNTS 361
1 CLASSIFICATION AND COMPARISON WITH CURRENT ACCOUNTS 361
2 LEGAL NATURE OF THE ARRANGEMENT 363
(I) CREDITOR-DEBTOR RELATIONSHIP 363
(II) PAYMENT TO THE WRONG PERSON 364
(III) TERMS OF CONTRACT 365
(IV) JOINT DEPOSITS 367
3 DISPOSITIONS OVER BALANCE 367
(I) PROBLEMS CONCERNED 367
(II) ASSIGNMENT OF BALANCE OR OF PART THEREOF 368
(III) SET-OFF BY BANK 369
(IV) THIRD PARTY DEBT PROCEEDINGS 370
(V) LIMITATION OF ACTION 370
4 DEPOSIT RECEIPTS AND PASS-BOOKS 372
(I) PROBLEMS INVOLVED 372
(II) LEGAL NATURE OF DEPOSIT RECEIPT AND PASS-BOOK 372
(III) LOSS OF DEPOSIT RECEIPT OR PASS-BOOK 374
(IV) THE DEPOSIT RECEIPT AND THE PASS-BOOK AS THE SUBJECT OF A
DONATIO MORTIS CAUSA 375
(V) NEGOTIABLE CERTIFICATES OF DEPOSIT 377
5 FOREIGN-CURRENCY DEPOSITS 379
6 ASSESSMENT 385
IMAGE 6
X CONTENTS
10 THE BANK AS PAYMASTER. NEGOTIABLE INSTRUMENTS (INCLUDING CHEQUES) 386
1 NEGOTIABLE INSTRUMENTS AND THE DEVELOPMENT OF NON-TRANSFERABLE
PAYMENT ORDERS 386
2 THE CLEARING OF CHEQUES AND NON-TRANSFERABLE PAYMENT ORDERS 390
3 THE CHEQUE AS NEGOTIABLE INSTRUMENT 398
(I) INTRODUCTORY 398
(II) DEFINITION AND ATTRIBUTES OF A CHEQUE 398
(III) THE TRANSFERABILITY OF A CHEQUE 403
(IV) POST-DATED CHEQUES 408
(V) MARKING OF CHEQUES 410
4 CROSSED CHEQUES 412
(I) BACKGROUND AND TYPES OF CROSSINGS 412
(II) EXECUTION OF A CROSSING AND ITS EFFECT 413
(III) CROSSING ACCOMPANIED BY THE WORDS'NOT NEGOTIABLE' 415
(IV) CHEQUES CROSSED WITH THE WORDS'ACCOUNT PAYEE ONLY'ADDED 415
(V) CROSSING OF INSTRUMENTS SIMILAR TO CHEQUES 417
5 THE HOLDER'S DUTIES IN RESPECT OF CHEQUES 418
(I) THE MEANING OF'DUTY'AND TO WHOM IT IS OWED 418
(II) PRESENTMENT FOR PAYMENT OF A CHEQUE 418
(III) NOTICE OF DISHONOUR 421
(IV) NOTING AND PROTEST 421
6 LMPLICATIONSOFTHECONSUMERCREDITACT1974 422
7 TRAVELLERS'CHEQUES 422
8 BILLS OF EXCHANGE OTHER THAN CHEQUES 424
(I) NATURE AND USE 424
(II) THE PARTIES TO A BILL OF EXCHANGE 426
(III) POSITION OF THE HOLDER 430
(IV) NEGOTIATION OF A BILL OF EXCHANGE 438
(V) DISCHARGE OF A BILL 442
(VI) PROCEDURE ON DISHONOUR 444
9 PROMISSORY NOTES 445
10 BILLS OF EXCHANGE DRAWN UNDER LINES OF CREDIT AND ACCEPTANCE CREDITS
446
11 NEGOTIABLE INSTRUMENTS AND THE CONSUMER CREDIT ACT 1974 449
11 THE PAYING BANK 451
1 THE BANK'S DUTY TO PAY CHEQUES 451
(I) FORM OF CHEQUES AND SCOPE OF DUTY TO PAY 451
(II) AVAILABILITY OF FUNDS 454
(III) THIRD PARTY DEBT PROCEEDINGS 459
(IV) FREEZING INJUNCTIONS 470
(V) TERRORISM ACT 2000 AND PROCEEDS OF CRIME ACT 2002 477
(VI) CUSTOMER'S DEATH OR INSANITY 479
(VII) BANKRUPTCY AND WINDING-UP 481
(VIII) COUNTERMAND OF PAYMENT 484
2 THE BANK'S LIABILITY FOR WRONGFUL PAYMENT: NATURE OF THE PROBLEM 488
3 THE PAYING BANK'S DEFENCES FOR WRONGFUL PAYMENT AT COMMON LAW AND IN
EQUITY 492
(I) OUTLINE 492
IMAGE 7
CONTENTS XI
(II) CUSTOMER'S CARELESSNESS AND CASES GIVING RISE TO ESTOPPEL 493
(III) RATIFICATION 498
(IV) CUSTOMER'S AMBIGUOUS INSTRUCTIONS 500
(V) THE EQUITABLE DOCTRINE 500
4 THE PAYING BANK'S DEFENCES FOR WRONGFUL PAYMENT: STATUTORY PROTECTIONS
502 (I) OUTLINE 502
(II) PAYMENT IN DUE COURSE 502
(III) PAYMENT IN THE ORDINARY COURSE OF BUSINESS 503
(IV) COMPLEMENTARY DEFENCE OF PAYMENT WITHOUT NEGLIGENCE 505
(V) IRREGULARITY IN OR ABSENCE OF INDORSEMENT 506
5 THE CUSTOMER'S REMEDIES FOR WRONGFUL DISHONOUR OF HIS CHEQUES 509 (I)
SCOPE OF PROBLEM 509
(II) ACTION IN BREACH OF CONTRACT 509
(III) ACTION IN DEFAMATION 512
12 RECOVERY OF MONEY PAID BY MISTAKE 514
1 THE PROBLEM IN PRACTICE AND THE BASIC PRINCIPLE 514
2 RECOVERY WHERE THE MISTAKE IS KNOWN TO THE PAYEE 519
3 RECOVERY IN CASES OF PAYMENTS NOT INVOLVING NEGOTIABLE INSTRUMENTS 521
(I) PAYOR'S LIABILITY AND PAYEE'S ENTITLEMENT 521
(II) NATURE OF OPERATIVE MISTAKE 524
(III) DEFENCES 527
(A) CHANGE OF POSITION 527
(B) GOOD CONSIDERATION 534
(C) ESTOPPEL 538
4 ACTION AGAINST A COLLECTING BANK 539
5 RECOVERY PROBLEMS IN CASES OF NEGOTIABLE INSTRUMENTS 545
(I) SPECIAL PROBLEMS 545
(II) NATURE OF OPERATIVE MISTAKE 546
(III) PAYEE'S CHANGE OF POSITION 549
6 PROPRIETARY RESTITUTIONARY CLAIMS 551
(I) AT COMMON LAW 551
(II) IN EQUITY 555
13 THE GIRO SYSTEM AND ELECTRONIC TRANSFER OF FUNDS 557
1 INTRODUCTION AND BASIC CONCEPTS 557
(I) THE NATURE OF A GIRO TRANSFER 559
(II) TERMINOLOGY 560
(III) CREDIT AND DEBIT TRANSFERS 562
(IV) CLEARING AND SETTLEMENT 562
(V) CLEARING SYSTEMS AND CLEARING RULES 567
(VI) INTERNATIONAL FUNDS TRANSFERS 569
2 DOMESTIC GIRO FORMS AND THEIR COMPARISON WITH CHEQUES 571
(I) INDIVIDUAL MONEY TRANSFER FORMS (BANK GIRO CREDIT TRANSFERS) 571
(II) STANDING ORDERS 572
(III) DIRECT DEBITING 573
(IV) COMPARISON OF GIRO FORMS WITH CHEQUES 575
3 THE CLEARANCE OF GIRO TRANSFERS 577
(I) PAPER CLEARING AND ELECTRONIC CLEARING 577
IMAGE 8
X IJ CONTENTS
(II) THE MANUAL CLEARING PROCEDURE 577
(HI) CLEARANCE THROUGH BACS 579
(IV) CLEARANCE THROUGH CHAPS 581
(A) CHAPS STERLING 582
(B) CHAPS'FASTER PAYMENTS SERVICE' 585
4 INTERNATIONAL MONEY TRANSFERS 587
(I) METHODS IN USE 587
(II) THE USE OF BANKERS'DRAFTS 588
(III) MAIL AND TELEGRAPHIC TRANSFERS 589
(IV) SWIFT TRANSFERS 590
5 THE LEGAL NATURE OF MONEY TRANSFER ORDERS 593
(I) THE PROBLEM AREA 593
(II) ARE MONEY TRANSFER ORDERS NEGOTIABLE INSTRUMENTS? 595
(III) IS A MONEY TRANSFER ORDER AN ASSIGNMENT? 597
(IV) POSITION OF THE PAYER'S BANK 601
(A) POSITION OF THE PAYER'S BANK UNDER THE PAYMENT SERVICES REGULATIONS
2009 601 (B) POSITION OF THE PAYER'S BANK AT COMMON LAW 610
(V) POSITION OF THE CORRESPONDENT OR INTERMEDIARY BANK 617
(VI) POSITION OF THE PAYEE'S BANK 621
6 TIME OF PAYMENT AND COUNTERMAND 631
(I) COMPLEXITY OF THE PROBLEM 631
(II) CASES INVOLVING COUNTERMAND OF PAYMENT AND REVERSALS OF CREDIT
ENTRIES 633 (III) CASES INVOLVING PAYMENTS OUT OF TIME 641
(IV) COMPARISON OF THE TWO TYPES OF CASES 644
7 CONFIDENTIALITY OF INFORMATION 645
14 PAYMENT CARDS 649
1 AVAILABLE CARDS REVIEWED AND CLASSIFIED 649
2 CREDIT CARDS 652
3 CHARGE CARDS 655
4 CHEQUE'GUARANTEE'CARDS 657
5 DEBIT CARDS 660
6 CASHCARDS 661
7 ELECTRONIC PURSES OR DIGITAL CASHCARDS 663
8 THE PROVISIONS OF THE CONSUMER CREDIT ACT 1974 664
(I) CARDS AFFECTED: MEANING OF'CREDIT TOKEN' AND 'CREDIT-TOKEN
AGREEMENT' 664 (II) MISUSE OF CARDS 668
{III) UNSOLICITED CREDIT TOKENS AND CREDIT CARD CHEQUES 670
(IV) THE CREDIT-TOKEN AGREEMENT 671
(V) NEXUS WITH UNDERLYING TRANSACTION 671
9 THE PROVISIONS OF THE PAYMENT SERVICES REGULATIONS 2009 673
(I) CARDS AFFECTED: 'PAYMENT INSTRUMENT' AND 'PAYMENT SERVICES' CONTRACT
673 (II) MISUSE OF CARDS 675
(III) UNSOLICITED PAYMENT CARDS 677
(IV) THE CARD AGREEMENT 677
10 DISTANCE MARKETING 678
11 CRIMINAL LIABILITY FOR MISUSE OF CARDS 680
IMAGE 9
CONTENTS XIII
15 THE BANK'S ROLE IN COLLECTING CHEQUES 682
1 THE BANK'S ROLE IN THE TRANSACTION 682
2 THE TRUE OWNER'S CAUSE OF ACTION 682
3 COLLECTION AND DISCOUNT DISTINGUISHED 687
4 THE COLLECTING BANK'S PROTECTION 690
(I) BACKGROUND: SECTION 82 AND SECTION 4 690
(II) ANALYSIS OF SECTION 4(1) 691
(III) NEGLIGENCE: GENERAL STANDARD 693
(IV) NEGLIGENCE IN OPENING AN ACCOUNT 695
(V) NEGLIGENCE IN COLLECTION: FRAUDS BY EMPLOYEES, TRUSTEES, AND AGENTS
698 (VI) NEGLIGENCE RELATED TO CROSSINGS 700
(VII) NEGLIGENCE RELATED TO INDORSEMENTS 702
(VIII) NEGLIGENCE: SUMMARY 703
5 THE DEFENCE OF CONTRIBUTORY NEGLIGENCE 704
6 THE DISCOUNTING BANK'S PROTECTION 706
7 THE PROCESSING BANK'S POSITION 708
8 THE COLLECTING BANK WHICH IS ALSO THE PAYING BANK 711
9 THE COLLECTING BANK'S DUTY TO ITS OWN CUSTOMER 715
(I) THE NATURE OF PROBLEMS ARISING 715
(II) THE COLLECTING BANK'S DUTY TO EFFECT PRESENTMENT 716
(III) NOTICE OF DISHONOUR 718
16 INCIDENTAL SERVICES PERFORMED BY BANKS 719
1 THE COMMON THREAD 719
2 BANKERS' REFERENCES 720
(I) THE RIGHTS OF THE PERSON INVESTIGATED 720
(II) POSITION OF THE ENQUIRER 724
3 GIVING ADVICE ON FINANCIAL INVESTMENTS 736
4 THE BANKER AS BAILEE AND CUSTODIAN 742
(I) SAFE DEPOSIT SERVICES 742
(II) SAFE DEPOSIT BOXES 748
PART III THE BANK AS FINANCIER AND LENDER IN DOMESTIC TRANSACTIONS
17 CURRENT ACCOUNT FINANCING AND LOANS 753
1 OVERDRAFTS AND LOANS COMPARED 753
2 OVERDRAFTS 755
(I) PREVAILING PRACTICE 755
(II) THE LEGAL NATURE OF AN OVERDRAFT 756
(III) THE RIGHT TO CHARGE INTEREST 761
(IV) APPROPRIATION OF PAYMENTS 765
(V) CONSUMER CREDIT ASPECTS 770
3 BANK LOANS 772
(I) SCOPE 772
IMAGE 10
XIV CONTENTS
(II) REVIEW OF THE TRANSACTION BY THE BANK 773
(III) CONSUMER CREDIT IMPLICATIONS 778
4 SYNDICATED LOANS 781
(I) DISTINGUISHING BETWEEN SYNDICATED LOANS AND LOAN PARTICIPATIONS 781
(II) MECHANICS OF SYNDICATION 782
(III) TERMS OF A SYNDICATED LOAN AGREEMENT 783
(IV) LEGAL NATURE OF A LOAN SYNDICATE 784
(V) LOAN PARTICIPATIONS 787
5 LENDER LIABILITY 790
(I) PRE-CONTRACTUAL NEGOTIATIONS 790
(II) MANAGEMENT AND TERMINATION OF THE FACILITY 793
(III) INSOLVENCY OF THE BORROWER 796
(IV) ENVIRONMENTAL LIABILITY 799
(A) INDIRECT CONSEQUENCES 800
(B) DIRECT LIABILITY 802
(C) CONCLUSION 806
18 SECURITIES FOR BANKERS'ADVANCES: THE GENERAL PART 808
1 NATURE, PURPOSE, AND CLASSIFICATION OF SECURITIES 808
(I) THE NATURE OF'SECURITY' 808
(II) THE PURPOSE OF SECURITY 811
(III) CLASSIFICATION OF SECURITIES 811
2 THE EFFECT OF VALID SECURITY IN INSOLVENCY 813
3 THE RIGHT OF REDEMPTION 815
4 EFFECT OF THE CONSUMER CREDIT ACT 1974 ON SECURITIES 816
(I) BASIC TERMS AND STRUCTURE OF PART VIII OF THE ACT 816
(II) FORM OF SECURITY 818
(III) INFORMATION TO BE SUPPLIED BY THE CREDITOR 819
(IV) REALIZATION OF SECURITY 820
(V) ANTI-EVASION PROVISION 820
19 PROPRIETARY SECURITIES 821
1 SCOPE 821
2 MORTGAGES OVER LAND 821
(I) INTRODUCTION 821
(II) THE SUBJECT-MATTER OF THE SECURITY (THE COLLATERAL) 823
(III) LEGAL AND EQUITABLE MORTGAGES AND EQUITABLE CHARGES 824
(IV) PROTECTION OF MORTGAGEES 825
(V) SECOND OR SUBSEQUENT MORTGAGES 826
(VI) PRIORITIES 827
(VII) TACKING 829
(VIII) REMEDIES OF MORTGAGEE 830
(IX) PROTECTION OF MORTGAGOR 834
(X) COMMON CLAUSES 835
(XI) EFFECT OF THE CONSUMER CREDIT ACT 1974 835
(XII) EFFECT OF THE FINANCIAL SERVICES AND MARKETS ACT 2000 837
IMAGE 11
CONTENTS XW
3 PROPRIETARY SECURITIES OVER GOODS 838
(I) GENERAL CONSIDERATIONS 838
(II) CHATTEL MORTGAGES 839
(III) HYPOTHECATION 839
(IV) EFFECT OF THE CONSUMER CREDIT ACT 1974 841
4 SECURITIES GRANTED BY COMPANIES 842
(I) NATURE AND FLEXIBILITY OF COMPANIES' CHARGES 842
(II) FIXED AND FLOATING CHARGES 843
(III) REGISTRATION OF COMPANY CHARGES 845
(IV) PRIORITIES 848
(V) SPECIAL RULES GOVERNING FLOATING CHARGES 850
(VI) CRYSTALLIZATION OF FLOATING CHARGES 851
(VII) ASSESSMENT 854
20 POSSESSORY SECURITIES 856
1 THE PLEDGE 856
(I) UTILIZATION OF PLEDGES BY BANKS 856
(II) STANDARD CONDITIONS IN PLEDGES AND RIGHTS CONFERRED ON BANKS 858
(III) PLEDGE OF NEGOTIABLE INSTRUMENTS AND MARKETABLE SECURITIES 859
(IV) PLEDGE BY MEANS OF DOCUMENTS OF TITLE 859
(V) FIELD WAREHOUSING 862
(VI) EFFECT OF THE CONSUMER CREDIT ACT 1974 863
2 THE BANKER'S LIEN 864
21 SECURITY INTERESTS IN CHOSES IN ACTION 868
1 GENERAL PRINCIPLES 868
2 SECURITY INTERESTS OVER BOOK DEBTS AND OTHER RECEIVABLES 871
(I) MEANING OF 'BOOK DEBTS' AND 'RECEIVABLES' 871
(II) 'RECEIVABLES FINANCING' 872
(III) FIXED OR FLOATING CHARGE? 873
(IV) RESTRICTIONS ON ASSIGNMENT 875
(V) REGISTRATION, AND THE EFFECT OF FAILURE TO DO SO 877
(VI) PRIORITIES 879
(VII) ASSET SECURITIZATION 882
3 SECURITY INTERESTS OVER BANK BALANCES 884
(I) BASIC PROBLEMS 884
(II) SECURITY INTEREST TO A BANK WITH WHICH FUNDS ARE DEPOSITED: SET-OFF
IN
EQUITY AND INSOLVENCY 884
(III) SECURITY INTERESTS TO A BANK WITH WHICH FUNDS ARE DEPOSITED:
CONTRACTUAL SET-OFF AND FLAWED ASSET ARRANGEMENTS 886
(IV) CHARGES OVER BANK BALANCES 889
4 SECURITY INTERESTS OVER LIFE POLICIES 891
5 SECURITY INTERESTS OVER SHARES ETC. 894
(I) GENERAL PRINCIPLES 894
(II) TYPES OF SECURITY INTEREST: LEGAL MORTGAGE AND EQUITABLE MORTGAGE
OR CHARGE 896 (III) ADVANTAGES AND DISADVANTAGES OF AN EQUITABLE
MORTGAGE OR CHARGE 897 (IV) ADVANTAGES AND DISADVANTAGES OF A LEGAL
MORTGAGE 898
IMAGE 12
XVI CONTENTS
(V) PRIORITIES ^QQ
(VI) REGISTRATION JQ-|
22 GUARANTEES 903
1 DEFINITIONS AND DISTINCTIONS 903
2 FORMATION 9 O5
3 CO-EXTENSIVENESS 907
4 VITIATING FACTORS 908
5 INTERPRETATION OF GUARANTEES 910
6 DISCHARGE OF THE GUARANTOR 912
7 RIGHTS OF THE GUARANTOR 91 6
8 ACCEPTANCE CREDITS 91G
INDEX |
| any_adam_object | 1 |
| author | Ellinger, E. P. 1933- Lomnicka, Eva Hare, Christopher V. M. |
| author_GND | (DE-588)1055082786 |
| author_facet | Ellinger, E. P. 1933- Lomnicka, Eva Hare, Christopher V. M. |
| author_role | aut aut aut |
| author_sort | Ellinger, E. P. 1933- |
| author_variant | e p e ep epe e l el c v m h cvm cvmh |
| building | Verbundindex |
| bvnumber | BV035431681 |
| classification_rvk | PU 4370 |
| ctrlnum | (OCoLC)299242304 (DE-599)BVBBV035431681 |
| dewey-full | 346.41082 |
| dewey-hundreds | 300 - Social sciences |
| dewey-ones | 346 - Private law |
| dewey-raw | 346.41082 |
| dewey-search | 346.41082 |
| dewey-sort | 3346.41082 |
| dewey-tens | 340 - Law |
| discipline | Rechtswissenschaft |
| edition | 5. ed. |
| format | Book |
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| geographic | Großbritannien Großbritannien (DE-588)4022153-2 gnd |
| geographic_facet | Großbritannien |
| id | DE-604.BV035431681 |
| illustrated | Not Illustrated |
| indexdate | 2025-01-07T15:03:38Z |
| institution | BVB |
| isbn | 9780199232093 |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-017352064 |
| oclc_num | 299242304 |
| open_access_boolean | |
| owner | DE-703 DE-739 |
| owner_facet | DE-703 DE-739 |
| physical | CVI, 948 S. |
| publishDate | 2011 |
| publishDateSearch | 2011 |
| publishDateSort | 2011 |
| 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 C. V. M. Hare Modern banking law 5. ed. Oxford [u.a.] Oxford Univ. Press 2011 CVI, 948 S. txt rdacontent n rdamedia nc rdacarrier Banking law / Great Britain 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 1\p DE-604 Lomnicka, Eva Verfasser aut Hare, Christopher V. M. Verfasser aut SWB Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=017352064&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis 1\p cgwrk 20201028 DE-101 https://d-nb.info/provenance/plan#cgwrk |
| spellingShingle | Ellinger, E. P. 1933- Lomnicka, Eva Hare, Christopher V. M. Ellinger's modern banking law Banking law / Great Britain 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 C. V. M. Hare |
| title_fullStr | Ellinger's modern banking law E. P. Ellinger, Eva Lomnicka and C. V. M. Hare |
| title_full_unstemmed | Ellinger's modern banking law E. P. Ellinger, Eva Lomnicka and C. V. M. Hare |
| title_short | Ellinger's modern banking law |
| title_sort | ellinger s modern banking law |
| topic | Banking law / Great Britain Banking law Great Britain Bankrecht (DE-588)4004473-7 gnd |
| topic_facet | Banking law / Great Britain Banking law Great Britain Bankrecht Großbritannien |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=017352064&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
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