Chudley v Clydesdale Bank plc (trading as Yorkshire Bank)

Subject Matter

CONTRACT — Terms — Construction — Apparently binding unconditional contract — Whether subject to condition precedent — Burden of proving existence of such condition precedent

[2019] EWCA Civ 344; [2020] QB 284; [2019] 3 WLR 661; [2019] 2 All ER (Comm) 293; [2019] 1 Lloyd's Rep 333; [2019] WLR (D) 133, CA

CONTRACT — Third party rights — Benefit to third party — Contract between bank and investment company for opening of account to hold funds invested by company’s clients — Whether clients entitled to enforce contract in their own right — Whether contract purporting to confer benefit on clients — Whether clients identified in contract — Contracts (Rights of Third Parties) Act 1999 (c 31), s 1(1)(b)(3)

[2019] EWCA Civ 344; [2020] QB 284; [2019] 3 WLR 661; [2019] 2 All ER (Comm) 293; [2019] 1 Lloyd's Rep 333; [2019] WLR (D) 133, CA

Appellate History

Chudley v Clydesdale Bank plc (trading as Yorkshire Bank) [2017] EWHC 2177 (Comm), QBD

Decision of Christopher Hancock QC sitting as a deputy judge of the Queen’s Bench Division reversed

Chudley v Clydesdale Bank plc (trading as Yorkshire Bank) [2019] EWCA Civ 344; [2020] QB 284; [2019] 3 WLR 661; [2019] 2 All ER (Comm) 293; [2019] 1 Lloyd's Rep 333; [2019] WLR (D) 133, CA

Cases Cited


Cases cited in: Chudley v Clydesdale Bank plc (trading as Yorkshire Bank) [2019] EWCA Civ 344; [2020] QB 284; [2019] 3 WLR 661; [2019] 2 All ER (Comm) 293; [2019] 1 Lloyd's Rep 333; [2019] WLR (D) 133, CA

Aercap Partners I Ltd v Avia Asset Management AB [2010] EWHC 2431 (Comm); [2010] 2 CLC 578, QBD

Avraamides & Anor v Colwill & Anor [2006] EWCA Civ 1533, CA

Banque Bruxelles Lambert SA v Eagle Star Insurance Co Ltd [1997] AC 191; [1996] 3 WLR 87; [1996] 3 All ER 365, HL(E)

Barbudev v Eurocom Cable Management Bulgaria EOOD [2012] EWCA Civ 548; [2012] 2 All ER (Comm) 963, CA

Borealis AB v Geogas Trading SA [2010] EWHC 2789 (Comm), QBD

Chaplin v Hicks [1911] 2 KB 786, CA

Games for Pleasure Ltd v Trans-World Enterprises Ltd (trading as Sealandair Transport Co) (unreported) 7 March 1990, CA

Gillespie Brothers & Co v Cheney Eggar & Co [1896] 2 QB 59, QBD

Globe Motors Inc v TRW Lucas Varity Electric Steering Ltd [2016] EWCA Civ 396; [2017] 1 All ER (Comm) 601; (2016) 168 Con LR 59, CA

HSBC Bank Plc v 5th Avenue Partners Ltd & Ors [2007] EWHC 2819 (Comm), QBD

Hughes-Holland v BPE Solicitors [2017] UKSC 21; [2018] AC 599; [2017] 2 WLR 1029; [2017] 3 All ER 969; [2017] WLR (D) 199; Case details, SC(E)

Laemthong International Lines Co Ltd v Artis (The Laemthong Glory) (No 2) [2005] EWCA Civ 519; [2005] 2 All ER (Comm) 167; [2005] 1 Lloyd's Rep 688, CA

London Drugs Ltd v Kuehne & Nagel International Ltd [1992] 3 SCR 299; 97 DLR (4th) 261

Manchester Building Society v Grant Thornton llp [2019] EWCA Civ 40; [2019] 1 WLR 4610; [2019] 4 All ER 90; [2019] WLR (D) 49; [2019] WLR(D) 49, CA

McGill v Sports and Entertainment Media Group [2016] EWCA Civ 1063; [2017] 1 WLR 989; [2016] WLR (D) 571, CA

Parabola Investments Ltd v Browallia Cal Ltd (formerly Union Cal Ltd) [2010] EWCA Civ 486; [2011] QB 477; [2010] 3 WLR 1266; [2010] Bus LR 1446; [2011] 1 All ER (Comm) 210; [2010] WLR (D) 114, CA

Starlight Shipping Co v Allianz Marine & Aviation Versicherungs AG (The Alexandros T) (No 3) [2014] EWHC 3068 (Comm); [2015] 2 All ER (Comm) 747; [2015] Lloyd's Rep IR 54; [2014] 2 CLC 503; [2014] 2 Lloyd’s Rep 579, QBD

Ted Baker plc v AXA Insurance UK plc [2017] EWCA Civ 4097, CA

Trustees of Beardsley Theobalds Retirement Benefit Scheme v Yardley [2011] EWHC 1380 (QB), QBD

Cases citing


Cases citing: Chudley v Clydesdale Bank plc (trading as Yorkshire Bank) [2019] EWCA Civ 344; [2020] QB 284; [2019] 3 WLR 661; [2019] 2 All ER (Comm) 293; [2019] 1 Lloyd's Rep 333; [2019] WLR (D) 133, CA

CCP Graduate School Ltd v Secretary of State for Education [2023] EWHC 1910 (KB), KBD

Pask v Menon [2019] EWHC 2611 (Ch); [2020] Ch 66; [2020] 2 WLR 43; [2020] 1 All ER (Comm) 990; [2020] BPIR 244; [2019] WLR (D) 552; [2019] PLSCS 193; [2019] All ER (D) 79 (Oct), Ch D

Public and Commercial Services Union v Secretary of State for Environment, Food and Rural Affairs [2024] UKSC 41; [2024] 3 WLR 1059, SC(E)

Public and Commercial Services Union v Secretary of State for Environment, Food and Rural Affairs [2023] EWCA Civ 551; [2023] ICR 914; [2024] 1 All ER 295; [2023] WLR(D) 230, CA

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