Question 272.— The B of H draws a draft on the B of T with advice, "pay to the order of John Jones the sum of $.... and charge to our account." When the draft is presented the bank say they have not received an advice. How long must the customer keep it before he can enforce payment ? Of course this does not apply to our drafts, but, as a matter of curiosity, we would like to know the law on this subject. Has there been any case decided under English law in this matter?

Answer.—If drawees refuse to pay on account of want of advice, holder has no recourse against drawee, but has immediate recourse against drawers.