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a) Outline the information that is required when registering a charge. b) In July 2001, Muungano Ltd obtained an overdraft from a bank upon...

      

a) Outline the information that is required when registering a charge.

b) In July 2001, Muungano Ltd obtained an overdraft from a bank upon deposit of title deeds and the execution of a memorandum of charge the memorandum was executed in due form by the company but left undated. The overdraft continued and subsequently the manager of the bank filled in the date as 10th January 2002. The memorandum was then registered with the registrar of company‟s on 31st January 2002 and the registrars certificate to that effect was duly issued.

Discuss the validity of the charge

  

Answers


Martin
a) Under Section 97 (1) of the Companies Act, it is the duty of the company to deliver to registrar for registration the particulars of every charge created by the company. These particulars include: - Date and description of the instrument creating or evidencing the charge;
- Amount secured by the mortgage of charge;
- A short description of the property mortgaged or charged;
- Names, postal addresses and descriptions of the mortgages or persons entitled to the charge;
- Names of the charger or mortgagor
- Amount or rate % of the commission allowance or discount if any paid or made either directly or indirectly by the company to any person in consideration of his subscribing or agreeing to subscribe whether absolutely or conditionally or procuring or agreeing to procure subscriptions whether absolutely or conditionally.

b) - This problem is based on the effect of registration of a charge pursuant to the provisions of the Companies Act. Under Section 99 of the Companies Act upon registration of particulars of a charge the registrar issues a certificate of registration, which is conclusive evidence that the provisions of the Act have been complied with. This section has been interpreted to mean that the certificate of registration is conclusive evidence that the provisions of the Act relating to the preparation and registration of charges have been complied with (in reMechanizations Ltd).

- In this case since the memorandum of charge was duly executed by the company and registered thereafter and a certificate of registration issued by the registrar, the charge is valid in all respects and is therefore enforceable since its defects were cured by its registration.

- This position is consistent with the decision In re C.L. Nye Ltd where a bank lent money to C.L. Nye Ltd and obtained a charge on the company?s land as security.
-The charge contract was undated and the bank solicitor forgot to register it with the Registrar of Companies. Several months later the bank sought to realize its security. The solicitor inserted that day?s date on the charge contract delivered it to the registrar for registration and obtained a certificate. The company?s liquidator argued that he could ignore the charge because it was not registered within the requisite time. However, it was held that the certificate was conclusive evidence that the provisions of the Act relating to registration had been complied with i.e. it was registered within the requisite time hence the charge was valid.


This position was also upheld in National Provincial and Union Bank of Englandv Charnley
marto answered the question on February 6, 2019 at 09:13


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