{"id":6228,"date":"2018-10-12T12:38:31","date_gmt":"2018-10-12T12:38:31","guid":{"rendered":""},"modified":"2019-06-15T14:02:15","modified_gmt":"2019-06-15T14:02:15","slug":"midland-bank-v-pike","status":"publish","type":"post","link":"https:\/\/www.lawteacher.net\/cases\/midland-bank-v-pike.php","title":{"rendered":"Midland Bank Plc v Pike"},"content":{"rendered":"<p><strong>Midland Bank Plc v Pike [1988] 2 All E.R. 434<\/strong><\/p>\n<p>Charging Order \u2013 <em>Locus Standi <\/em>of a creditor with a charging order<\/p>\n<h3 id=\"facts\">Facts<\/h3>\n<p>The Midland Bank Plc were owed a sum of \u00a355,000 by Mr Pike.&nbsp; Midland Bank secured a judgment debt against Mr Pike for this figure, and in order to secure it obtained a charging order over Mr Pike\u2019s matrimonial home, which he owned with his wife as joint tenants.&nbsp; The bank then applied for a sale of the property.&nbsp; This application was denied by a Master in chancery, on the grounds that the bank lacked <em>locus standi <\/em>to make an application for sale.&nbsp; This was appealed to the High Court.<\/p>\n<h3 id=\"issues\">Issues<\/h3>\n<p>Whether the holder of a charging order has an \u2018interest\u2019 in land that entitles them to have the necessary standing to apply for a sale of land over which they have a charging order or not.<\/p>\n<h3 id=\"decision\">Decision\/Outcome<\/h3>\n<p>The holder of a charging order does have sufficient \u2018interest\u2019 to apply for a statutory sale of property under <strong>s30 Law of Property Act 1925<\/strong>.&nbsp; This is now replaced by <strong>s14 Trusts of Land and Appointment of Trustees Act 1996 (TOLATA) <\/strong>which again allows the holder of a charging order the necessary \u2018interest\u2019 to be able to apply for a statutory order for sale.&nbsp; This will allow the holder of a charging order to apply for a sale of the co-owner\u2019s beneficial interest.&nbsp; This was necessary to allow the bank to realise their security for the debt owed by Mr Pike.&nbsp; A charging order would otherwise be useless if it could not be realised.&nbsp; The bank was therefore allowed to proceed and make an application for sale of Mr and Mrs Pike\u2019s property, and this was duly done.&nbsp; The house was ordered to be sold.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Midland Bank Plc were owed a sum of \u00a355,000 by Mr Pike. Midland Bank secured a judgment debt against Mr Pike&#8230;<\/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-6228","post","type-post","status-publish","format-standard","hentry","category-cases","tag-uk-law"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Midland Bank Plc v Pike | LawTeacher.net<\/title>\n<meta name=\"description\" content=\"The Midland Bank Plc were owed a sum of \u00a355,000 by Mr Pike. 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