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Guest blog by TLT, BSA Associate Member
The Supreme Court has handed down a landmark judgment in Philipp v Barclays clarifying the limited obligations of a bank on receipt of a payment instruction from a customer induced by fraud.
Mrs Philipp was the victim of a sophisticated impersonation fraud. In 2018 a fraudster pretending to be from the FCA/NCA persuaded her to transfer £700,000 to “safe accounts” in the UAE.
Although the police warned her that she might be victim to a fraud, Mrs Philipp nevertheless attended two Barclays’ branches to provide instructions. She confirmed those instructions over the telephone.
The scale of the fraud only became apparent two weeks later. After forceful intervention by friends, Mrs Philipp and her husband eventually engaged with the police and thereafter complained to Barclays seeking to recover their lost funds.
In 2020, Mrs Philipp sued Barclays. Relying on the so-called Quincecare duty, she alleged Barclays had a positive duty to ask her additional questions and prevent her making the payments. Barclays sought to strike out the claim on the basis that the Quincecare duty was limited to the scenario where a bank suspects an internal fraud by an agent of the customer and did not extend to a customer giving a direct instruction to their own bank.
The High Court struck out Mrs Philipp’s claim finding that Barclays did not owe her a duty of care to second guess her instructions or ask further questions to prevent her making payments. However, following intervention by The Consumers’ Association, Which?, the Court of Appeal reversed the decision which it said did not reflect the realities of the situation facing APP fraud victims or banking industry standards and practice. It found the Quincecare duty applied to all customers and entailed a positive duty on a bank, when it has reasonable grounds for believing an order was an attempt to misappropriate funds, to make further inquiries and refrain from making payment while it did so.
The Court of Appeal said a bank has a primary duty to execute a payment instruction and a secondary duty to use reasonable skill and care in execution of that instruction, which operates in tension with the primary duty. That tension provides the opportunity for a bank to refrain from executing an instruction, even when it was properly authorised, if circumstances would put a reasonable banker on inquiry that the instruction was an attempt to misappropriate the customer’s funds. How that tension would be resolved was dependent on the particular facts and evidence about banking practice.
Barclays, supported by UK Finance, obtained permission to appeal to the Supreme Court. Which? continued to support Mrs Philipp. Given its significance for the banking industry, the appeal was expedited.
The key parts of the Supreme Court’s unanimous decision are as follows:
This is a welcome decision for the banking industry, providing both clarity and certainty as to the obligations of a bank when it receives an authorised payment instruction from its customer.
Victims of APP fraud will now be almost entirely reliant on the legislative framework for recovery of any funds lost as a result of a scam, with such a framework being the responsibility of Parliament and regulators, not the courts.
For further information, please contact Clare.Stothard@tlt.com or Rupal.Nathwani@tlt.com
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