Unjust enrichment can be proved by establishing a sufficient nexus between the loss and the benefit so received
Deciding on an appeal in a case concerning unjust enrichment and subrogation, the Court with the majority of 4:1 held that the appellant was enriched as she received the freehold of the property free of any charge, instead of receiving it subject to a charge to secure her parents’ indebtedness to the Bank (a “Charge”) and her enrichment was at the expense of the bank. Giving reasons the Court stated that the appellant was enriched at the expense of the Bank because the value of the property given to the appellant was considerably greater than it would have been but for the avoidance of the charge and the Bank was left without the security which was central to the whole arrangement. According to the facts, the appellant is the owner of 2 Great Oak Court (“the Property”), bought by her parents (in her name as a gift to her) as a family home for her, her siblings and her parents. The respondent Bank had two charges, securing the parents’ borrowing, totalling about £2.2 million over the p...