Commercial Law - Construction of Contract - Loan Repayment - Banking - Joint Venture - Guarantee

The case of Wosley Securities Ltd v Abbeygateone agreement or two separate agreements.
Management Services (Hampton) Ltd [2007],If they were one agreement, the defendant accepted
concerned an action which was brought as a result of(subject to any other defence it might have) that it
the claimant, the defendant and a company ("ASL")would be liable for the management charges. If they
entering into a joint venture agreement ("JVA") towere two separate agreements, the claimant
construct a block of flats.accepted that the defendant would not be liable.
It transpired that the development was unprofitableThe judge held that there were two separate
and ASL went into liquidation. ASL was incorporatedagreements, and therefore made a declaration that
for the purpose of carrying out the development andthe defendant was not liable for the management
had no assets of its own. The funds to carry out thecharges. The claimant appealed against this decision.
development were provided by:The appeal was allowed. The question as to whether
§ A bank loan to ASL; andthere was one agreement or two agreements was
§ A loan from a loan facility granted by theirrelevant. Whether there was one agreement or two
claimant under the terms of a facility letter from theagreements, there could be no doubt that since the
claimant to ASL. This letter was annexed to the JVA.facility letter was, at the very least, referred to in the
According to clause 10.3 of the JVA, the defendantJVA, both the JVA and the facility letter had to be
guaranteed that ASL would perform its obligationsinterpreted in each other's context.
under the agreement. In addition to this, clause 2.12 ofConsidering clause 2.12 of the JVA and clause 4.3 of
the JVA obliged ASL to repay to the claimant allthe facility letter, it was impossible to resist the
monies that the claimant had advanced in pursuanceconclusion that as and when the claimant did in fact
of its loan facility. Furthermore, clause 4.3 of the facilitydebit any management charge to ASL's loan account,
letter entitled the claimant to debit to ASL's loanthe amount in the loan account (including any
account 'any management charge'.management charge) was part of the advance.
The claimant alleged that a sum of £97,762,According to clause 2.12 of the JVA, it was ASL's
which included interest, was due to be paid by theobligation to pay that sum. As the repayment had not
defendant in accordance with the guarantee. Althoughbeen made, the defendant had to be liable as they
the claim included only a small part of the outstandingwere the guarantor.
loan, it was substantially made for 'managementPlease contact us for more information on assessing
charges'. Those charges were divided into:damages due under termination of a contract at Visit
§ Charges relating to the facility letter; and© RT COOPERS, 2007. This Briefing Note does
§ Charges provided for in the cash flow appraisal.not provide a comprehensive or complete statement
The claimant applied for a summary judgement underof the law relating to the issues discussed nor does it
CPR 24. As the management charges were dueconstitute legal advice. It is intended only to highlight
pursuant to the facility letter, the issue before the judgegeneral issues. Specialist legal advice should always be
was whether the JVA and the facility letter constitutedsought in relation to particular circumstances.