Loan for use today
Throughout the centuries, the law relating to commodatum has seen little change. Certain marginal adjustments have been made: according to the German code, for instance, the lender is as a rule responsible not only for wilful conduct but also for gross negligence; the borrower is liable for dolus and culpa only (custodia having been transformed into and superseded by culpa liability already in post-classical Roman law); and the handing over of the object is now regarded as involving transfer of (direct) possession to the borrower.[1074] By and large, though, Paulus or Gaius would find their way through the modern law of commodatum with ease.
This applies not only to the European continental systems and South African law, but even to the English common law.In medieval English law—which had "but a meagre stock of words that can be used to describe dealings with movable goods"[1075] [1076] [1077] [1078]—a host of legal relationships were lumped together under the title of bailment.[1079] This term is derived from the French bailler, "to deliver"; originally it even covered cases where the transferor (bailor) was parting with ownership. In more modern times, however, it has been restricted to the "delivery of goods on a condition, expressed or implied, that they shall be restored by the bailee to the bailor",[1080] that is, to the temporary transfer of possession of a chattel which must ultimately be returned. Even in this limited form, therefore, it ranges from hire to mandate, from deposit to pledge, and it also includes gratuitous loans. To this day, bailment is a somewhat labyrinthine concept. It appears at various disjointed places in textbooks on personal property, torts and contracts. Bailment is often, or even generally, a contract, but it may also be independent of a contract. If it is a contract, how can the gratuitous bailment be reconciled with the doctrine of consideration? Various attempts to do so are puzzling and rather unconvincing.[1081] Does bailment therefore have to be regarded as a relationship sui generis?[1082] We cannot pursue these questions. To a certain extent, however, the law of bailment has been set, since the great and celebrated case of Coggs v, Bernard (decided in 1703),[1083] "upon a much more rational footing".[1084] In an elaborate judgment, Sir John Holt isolated and distinguished six sorts of bailment and determined the liability of the bailee according to his benefit derived from the individual type of transaction.[1085] This analysis is squarely based on Roman law;1 1 it is through Coggs v. Bernard (and the subsequent elegant and comprehensive treatises of Jones and Story,[1086] [1087] [1088] [1089] [1090] [1091] building on this cornerstone) that (the Roman) commodatum, depositum and pignus entered into English law. II.
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