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TSB Bank v Camfield [1995]


  • A wife guaranteed her husband’s business debts by way of mortgage over their jointly owned home
  • The husband stated to his wife that the guarantee was limited to £15,000, when it was unlimited
  • £15,000 liability was upheld at first instance


  • Was the guarantee void, or could TSB claim possession of the house and obtain £15,000 from the wife?


  • Void


  • Unlike misrepresentation, there is no law that suggests a mortgagee can enforce only part of a security
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