Breach of duty in negligence liability may be found to exist where the defendant fails to meet the standard of care required by law. Once it has been established that the defendant owed the claimant a duty of care, the claimant must also demonstrate that the defendant was in breach of duty. The test of breach of duty is generally objective, however, there may be slight variations to this.
Sarenco, would this apply in this case as the bank has lost the valuation reports and indeed did not supply my friend with a copy of the mortgage deeds to the various properties in contravention of section 123 and 130 Consumer Credit Act 1995 respectively.