That latter point (2) in the Raja v Lloyds High Court case will presumably now be overruled by the Court of appeal judgement in Skipton v Stott 2001?(posted 8407 days ago)I see the judge (sitting as Deputy High Court judge) in Raja v Lloyds was Mr M Tugendhat QC, presumably Michael Tugendhat. Lord Christopher Tugendhat is Chairman of Abbey National bank. Small world, isn't it?