Pourdanay v Barclays Bank Plc
Jurisdiction | England & Wales |
Judgment Date | 06 November 1996 |
Date | 06 November 1996 |
Court | Chancery Division |
Chancery Division
Before Sir Richard Scott, Vice-Chancellor
Mortgage - contractual tenancy binding on mortgagee - succeeding statutory tenancy also binding
If a protected contractual tenancy was, when granted, binding on a mortgagee, a statutory tenancy that came into existence on the termination of the contractual tenancy was also binding on that lender.
Sir Richard Scott, Vice-Chancellor, so held in a reserved judgment given in open court after a hearing in chambers in the Chancery Division, allowing the appeal of David Zaroovabli, Sabrina Zaroovabli and Mrs Anoosh Pourdanay from the order of Deputy Master Price of April 18, 1996 whereby he ordered possession of a registered property known as 136 Kings Drive, Edgeware, Middlesex to be delivered up to the bank.
Mr Martin Westgate for Mrs Pourdanay; Mr David Wolfson for the bank.
THE VICE-CHANCELLOR said that on April 29, 1988 Mr and Mrs Zaroovabli were registered as proprietors of the property. On May 25, 1988 they charged the property by way of legal mortgage to the bank as security for a loan. Inexplicably the bank did not register the charge.
By clause 4 of the charge "no statutory or other power of granting…tenancies of the mortgaged property…shall be capable of being exercised by the mortgagor without the previous consent in writing of the bank".
On July 28, 1988 the Zaroovablis in writing granted Mrs Pourdanay a tenancy of the property for a six-month term from August 1, 1988 to February 1, 1989 at a rent of £585 with an option to renew. The consent in writing of the bank to the grant of that tenancy was not obtained and there was no evidence that the bank knew of the grant.
Mrs Pourdany was not aware of the bank's security over the property. She went into occupation of the property on August 1 and had been there ever since. On August 23, 1994 the bank finally registered the charge that had been executed on May 25, 1988. On October 23, 1995 the bank issued an originating summons claiming possession of the property.
Under section 1 of the Rent Act 1977, Mrs Pourdanay's contractual tenancy granted by the written agreement of July 28 was a protected tenancy. When it terminated, pursuant to section 2(1)(a) of the Act, it was followed by a statutory tenancy.
Mr Wolfson accepted, given Woolwich Building Society v DickmanUNK ([1996] 3 All ER 204, 211), Dudley and District Benefit Building Society v EmersonELR([1949] Ch 707, 718)...
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