Ruhi Sethi-Smith of Forum Chambers reports on Santander UK Plc v CCP Graduate School Limited [2025] EWHC 667 for the Journal of International Banking and Financial Law. The decision overturned Master Brown’s first instance decision which in effect held that the retrieval duty can operate between the customer and their own bank but not between a victim of APP fraud and a receiving bank. This is the first time that the retrieval duty has been considered by the court.
The report examines the facts of the case and considers the future impact of the decision on victims of APP fraud.
You can read Ruhi’s full report in May’s Case Analysis section on the Journal of International Banking and Financial Law microsite here: https://www.jibfl.co.uk/articles/case-analysis-may-2025.
(Please note: the link offers non-subscribers free access to the section by asking them to enter their name/email. This is to beat the Bots and is not linked to any LexisNexis marketing/subs campaigns.)
Ruhi Sethi-Smith has a broad commercial litigation practice which includes a wide range of commercial disputes, banking and financial services litigation, insolvency and property litigation. Ruhi is a robust and meticulous advocate who regularly appears in the County Court, High Court and Court of Appeal.
If you need advice or representation in any related matters, please contact Conor Fagan at cfagan@forumchambers.com today.
