{"id":5133,"date":"2018-10-12T12:38:31","date_gmt":"2018-10-12T12:38:31","guid":{"rendered":""},"modified":"2019-06-17T12:41:45","modified_gmt":"2019-06-17T12:41:45","slug":"united-bank-kuwait-v-sahib","status":"publish","type":"post","link":"https:\/\/www.lawteacher.net\/cases\/united-bank-kuwait-v-sahib.php","title":{"rendered":"United Bank of Kuwait plc v Sahib"},"content":{"rendered":"

United Bank of Kuwait plc v Sahib [1997] Ch 107<\/strong><\/p>\n

Deposit of title deeds and equitable mortgages.<\/strong><\/p>\n

Facts<\/h3>\n

The defendant, Sahib, had a half share in a house. He held the title deeds to the house to the order of the other defendants, the Soci\u00e9t\u00e9 G\u00e9n\u00e9rale Alsacienne de Banque SA (SGA) as security for a loan. The plaintiff, the United Bank of Kuwait, obtained a charging order over Sahib\u2019s interest in the proceeds of the sale of the house. SGA claimed that because the title deeds were deposited with them this had created an equitable mortgage in which they were the mortgagee. The plaintiff sought a declaration from the court that SGA did not have an equitable mortgage.<\/p>\n

Issues<\/h3>\n

The defendants argued that the equitable mortgage was established by the deposit of the title deeds with the lender according to Russel v Russel<\/strong>(1783) 1 Bro CC 269.<\/strong> However, the plaintiff\u2019s argued that this rule had not survived the enactment of the Law of Property (Miscellaneous Provisions) Act 1989,<\/strong> s.2(1), which stated that \u2018A contract for sale or other disposition of an interest in land\u2019 had to be in writing.<\/p>\n

Decision\/Outcome<\/h3>\n

The Court of Appeal held that s.2(1) of the 1989 Act<\/strong> stated that a \u2018disposition\u2019 was to have the same meaning as under the Law of Property Act 1925<\/strong>. Section 205(1)(i) of the 1925 Act<\/strong> said that a \u2018disposition\u2019 included any conveyance, charge or mortgage. Therefore, a deposit of title deeds was an agreement to create a charge and was caught by s.2(1) of the 1989 Act<\/strong>. Consequently, the rule in Russel v Russel<\/strong> did not survive the 1989 Act<\/strong> regarding mortgages.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

The defendant, Sahib, had a half share in a house. He held the title deeds to the house to the order of the other…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[85],"class_list":["post-5133","post","type-post","status-publish","format-standard","hentry","category-cases","tag-uk-law"],"yoast_head":"\nUnited Bank of Kuwait plc v Sahib | LawTeacher.net<\/title>\n<meta name=\"description\" content=\"The defendant, Sahib, had a half share in a house. 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