| Commentary

4 Appropriation

| Commentary

4 Appropriation

A bank’s right of recovery may be dramatically affected by the way in which specific credits to an account are appropriated to specific debts. For example, if an account showing an overdrawn balance of £200 comprises an irrecoverable debt of £100 and a recoverable debt of £100, a banker’s right to appropriate a credit of £100 to the otherwise irrecoverable debt would be of obvious benefit. Thus in the case of West Bromwich Building Society v Crammer1 it was held that the Society could appropriate sums received to accruing interest which was subject to a six

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