HFC Bank Plc v HSBC Bank Plc (formerly Midland Bank Plc)

JurisdictionEngland & Wales
Judgment Date30 July 1999
Date30 July 1999
CourtChancery Division

COURT OF APPEAL

Before Lord Justice Swinton Thomas and Mr Justice Wilson.

Ellis
and
Lambeth London Borough Council

Adverse possession - squatter failing to return community charge form to council - no estoppel - squatter entitled to possession

Squatter entitled to possession despite community charge failure

The failure by a squatter to fill in and return a form to the local authority regarding community charge did not stop him from claiming adverse possession of the property on the basis of 12 years occupation.

The Court of Appeal so held in dismissing an appeal by the defendant, Lambeth London Borough Council, against the decision of Mrs Recorder Jolles at Lambeth County Court on December 3, 1998 when she (i) held that the plaintiff, Mr Timothy Ellis, was entitled to adverse possession of 52 Strathleven Road, Brixton on his application for declaratory relief and (ii)

Mr Desmond Kilcoyne for the local authority; Mr Stephen Knafler for Mr Ellis.

MR JUSTICE WILSON said that Mr Ellis began to squat at 52 Strathleven Road no later than July 1985 where he had remained ever since. When he first moved in there were other squatters who had since left and others moved in and out, with the exception of one other who had remained.

The recorder addressed the need for Mr Ellis to establish an intention to possess. She found that he had controlled the front door and had exercised the necessary degree of physical control to amount to possession.

She found that in the first four years of occupation, prior to taking possession of it, one of the squatters allowed Mr Ellis to join and the rights of occupation were transmitted to Mr Ellis.

She rejected the local authority's argument that Mr Ellis was estopped by representation from alleging adverse possession during part of the time between sometime in 1989 or 1990 until 1994.

The alleged estoppel was the failure by Mr Ellis to return a form with information relevant to community charge which was introduced on April 1, 1990 by the Local Government Act 1988.

In September 1989 two registration forms were sent to 52 Strathleven Road by the community charge department addressed to "The Resident". The form required the occupants of the property to list their names and sign. Mr Ellis and the other squatter did not return the forms thereby breaching paragraph 4(3) of the Community Charges (Administration and Enforcement) Regulations (SI 1989 No. 438).

The local authority argued that that resulted in Mr Ellis and the other...

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23 cases
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    • Chancery Division
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    ...assumptions, jump to unjustified conclusions, and put two and two together to make five" (per Lloyd J in HFC Bank plc v Midland bank Plc [2000] FSR 176, at 201. An important issue in the present case is whether any public confusion as to the source of, authority or approval for the defendan......
  • Premier Luggage and Bags Ltd v Premier Company (UK) Ltd and Another
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    ...to avoid confusion." More recently, Mr Justice Lloyd was right, if I may say so, to point out in HFC Bank Plc v Midland Bank Plc [2000] FSR 176, at page 201, that even actual confusion does not show that there has been misrepresentation by anyone; all that it shows is "that people make assu......
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    ...Ltd (1946) 63 R.P.C. 39 at p.43: …. More recently, Lloyd J. was right, if I may say so, to point out in HFC Bank Plc v Midland Bank Plc [2000] F.S.R. 176 at p.201, that even actual confusion does not show that there has been misrepresentation by anyone; all that it shows is "that people mak......
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    ...Bank AG Zurich [1981] 1 WLR 1265 (refd) Harrods Limited v Harrodian School Limited [1996] RPC 697 (refd) HFC Bank Plc v Midland Bank Plc [2000] FSR 176 (refd) Intel Corp Inc v CPM United Kingdom Ltd [2007] ETMR 59 (refd) Intel Corporation Inc v CPM United Kingdom LtdCase C-252/07, 27 Novemb......
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1 books & journal articles
  • STAYING WELL OUT OF CONFUSION
    • Singapore
    • Singapore Academy of Law Journal No. 2014, December 2014
    • 1 December 2014
    ...Ltd v Amanresorts Ltd[2009] 3 SLR(R) 216 at [37]. 57 Reckitt & Colman Ltd v Borden Inc [1990] RPC 341 at 406. 58 HFC Bank v Midland Bank [2000] FSR 176 at 183; Super Coffeemix Manufacturing Ltd v Unico Trading Pte Ltd[2000] 2 SLR(R) 214 at [58]. 59 Marcus Publishing plc v Hutton-Wild Commun......

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