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{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}
{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}
{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
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{\pntxtb (}{\pntxta )}}{\*\pnseclvl9\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}\pard\plain \ltrpar\s28\qc \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2042050 \rtlch\fcs1 
\af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16593575\charrsid2299984 IN THE HIGH COURT OF THE COOK ISLANDS
\par HELD AT RAROTONGA
\par (CRIMINAL DIVISION)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16593575 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid2299984 
\par }\pard \ltrpar\s28\qc \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2299984 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2299984 MISC NO: 7/92
\par }\pard \ltrpar\s28\qc \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2042050 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2042050 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16593575\charrsid2299984 IN THE MATTER of Section 354 of the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid2299984\charrsid2299984 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16593575\charrsid2299984 Code of Civil Procedure of the High Court 1981
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 
\par AND}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16593575\charrsid2299984 IN THE MATTER of an application for
\par an Interlocutory Injunction
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2299984 BETWEEN}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575 
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16593575\charrsid2299984 BLUE }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid9330164\charrsid2299984 PACIFIC}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16593575\charrsid2299984  LAUNDRY AND DRYCLEANERS (1984) LIMITED
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2299984 Applicant
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2299984 AND}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575 
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16593575\charrsid2299984 WESTPAC }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid9330164\charrsid2299984 BANKING CORPORATION}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16593575\charrsid2299984  LIMITED
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2299984 Respondent
\par }\pard \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2042050 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2042050\charrsid16593575 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575 Date}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11493581  of Judgment}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575 : 16 April 1993 
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9330164 Mr.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575  Lynch for the Applicant
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9330164 Mr.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575  Broach for the Respondent
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11493581 
\par }\pard \ltrpar\s28\qc \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11493581 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid1207561\charrsid11493581 JUDGMENT OF DILLON J.
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1207561 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 The Respondent has issued against the Applicant a notice under the provisions of the Property Law Act 1952 and dated the 23rd day of October 1991. The Respondent claims that the amount now 
owing to it by the Applicant is $42,506.01.
\par }\pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16593575 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1207561\charrsid16593575 The Applicant has countered that move by the Respondent by making application for an injunction to prevent the proposed mortgagee}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 '}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid1207561\charrsid16593575 s sale of the Applicant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
s leasehold property known as Lot 9 Section 190A No. 2 Kiikii, Avarua.
\par }\pard\plain \ltrpar\s1\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0\pararsid11493581 \rtlch\fcs1 \ab\af0\afs28\alang1025 \ltrch\fcs0 
\b\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid3038005 THE COMPANY
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3038005 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 "Blue Pacific Laundry & Drycleaners Limited" was incorporated on the 19th day of May 1977. In 1984 the Company changed its name to "Blue Pacific Laund
ry & Dry Cleaners (1984) Limited". On the 10th day of September 1992 the Company again changed its name to "Blue Pacific Laundry Limited".
\par }\pard\plain \ltrpar\s1\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0\pararsid11493581 \rtlch\fcs1 \ab\af0\afs28\alang1025 \ltrch\fcs0 
\b\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid3038005 THE LEASE
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3038005 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 On the 20th day of March 1979 the Applicant as Lessee executed a lease of Lot 9 Section 190A No. 2 Kiikii, 
Avarua, for a term of 60 years from the 1st day of April 1979 upon terms and conditions generally applying to leases in the Cook Islands.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16410197 The Lease was approved by the Leases Approval Committee on the 16th day of May}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 1979; and confirmed by this Court on the 8th day of August 1979.

\par }\pard\plain \ltrpar\s1\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0\pararsid11493581 \rtlch\fcs1 \ab\af0\afs28\alang1025 \ltrch\fcs0 
\b\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16410197 THE MORTGAGE OF THE LEASE
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16410197 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 The Applicant on the 12th day of February 1980 executed a mortgage in favour of The National Bank of New Zealand Limited. The mortgage was the standard printed document in use at that time by the National
 Bank.
\par The consideration set out in the mortgage was expressed as follows}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid16410197 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
"IN Consideration of advances or other banking accommodation now or heretofore made or given or hereafter to be made or given by THE NATIONAL BANK OF NEW ZEALAND LIMITED (hereinaft
er (with its successors and assigns) called "the Bank") to the Mortgagor(s) whether alone or jointly or together with any other person firm or company or to any person firm or company at the request of or under any obligation or security incurred, given, 
m
ade or executed by the Mortgagor(s) And in respect of advances and other banking accommodation heretofore made or given in consideration of the Bank forbearing for one day to press for payment thereof the Mortgagor(s) do(th) hereby (jointly or severally) 
covenant with the Bank as Mortgagee as follows:-"
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16410197 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 There is one further provision in the mortgage relied upon by the Respondent, viz.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561 
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid16410197 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16410197 5" }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16410197\charrsid16593575 
That this security shall be deemed to be a running and continuing security irrespective of any sums which may from time
 to time be paid to the credit of the account current of the Mortgagor(s) with the Bank and notwithstanding that such account may appear at any time to be in credit and notwithstanding any settlement of account or any other matter or thing whatsoever this
 security shall remain in full force and effect and shall not be deemed to have been released or discharged or in any way vacated until a discharge thereof shall have been executed by the Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9329042 ."}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid16410197\charrsid16593575 
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16410197 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 This mortgage, according to submissions filed by Counsel for the
 Respondent and not contradicted by Counsel for the Applicant, was approved by the Leases Approval Committee on the 13th day of March 1980 (Counsel for the Respondent refers to the mortgage being dated the 12th day of February 1981 and Leases Approval Com
mittee consent on the 13th day of March 1981. I have assumed that to be a typographical error, as I do not have a copy of the Committee}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1207561\charrsid16593575 s consent.)
\par }\pard\plain \ltrpar\s1\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0\pararsid9329042 \rtlch\fcs1 \ab\af0\afs28\alang1025 \ltrch\fcs0 
\b\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16410197 THE ASSIGNMENT OF THE MORTGAGE
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16410197 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 On the 2nd day of October 1988 The National Bank of New Zealand Limited transf
erred its Cook Island operations to Westpac Banking Corporation pursuant to an agreement for sale and purchase of that date. Included in the sale was the mortgage, the subject of these proceedings.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13333967 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 On 15 March 1991 the two Banks entered into a Deed of Assi
gnment formalising the transfer of the mortgage to the Respondent.
\par The Applicant contends that this Deed of Assignment requires the formal consent of the Leases Approval Committee; that because this consent was not obtained the Deed of Assignment is therefore "invalid and unenforceable".
\par The question of consent is governed by the Leases Restrictions Act 1976, and in particular Sections 3(1) and (2), viz}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid16593575 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 "(1) Notwithstanding any other provision in any Act, no lease, or sublease executed after the coming in
to force of this Act shall be valid and of any effect unless the approval of the Leases Approval Committee has been obtained to that lease, assignment of lease or sublease as the case may}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13333967  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid1207561\charrsid16593575 be}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
\par {\listtext\tab}}\pard \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid13333967 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
Provided that this provision shall have no application in the c
ase of any lease, assignment of lease or sublease made pursuant to a right of renewal or right or option of purchase or assignment contained in any lease or sublease or to any agreement to lease or sublease or to assign any lease or sublease executed befo
re the coming into force of this Act.
\par {\listtext\tab}(2) The approval of the Leases Approval Committee may be obtained before or after the execution by the parties or any of them of the lease, assignment of lease, or sublease as the case may be."
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13333967 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 These provisions clearly apply to a "... lease, assignment of lease, or sublease ...". While the mortgage of a lease is an "assignment of a lease" as defined in Section 2 of the Act, }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13333967 t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 he assignment of a mortgage is not within that definition. Consent to the Deed of Assignment is therefore not necessary.
\par The Respondent has, however, applied to the Leases Approval Committee and formal consent was granted on 23 March 1993 pursuant to the provisions of Section 3(2) above.
\par }\pard\plain \ltrpar\s1\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0\pararsid10426619 \rtlch\fcs1 \ab\af0\afs28\alang1025 \ltrch\fcs0 
\b\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid8268747 NOTICES TO THE APPLICANT
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8268747 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 Following the formal execution of the Deed of Assignment between the two Banks on the 15th day of March 1991 the Respondent Bank issued various notices to the Applicant, viz}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16593575\charrsid16593575 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
\par 1. A notice of assignment of debt by The National Bank of New Zealand Limited and dated 15 March 1991, as follows}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid16200401 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8268747 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\ul\insrsid1207561\charrsid16200401 NOTICE OF ASSIGNMENT OF DEBT}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1207561\charrsid8268747 
\par {\listtext\tab}}\pard \ltrpar\s21\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid16200401 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
Blue Pacific Laundry & Dry Cleaners (1984) Limited}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8268747 
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 Panama
\par {\listtext\tab}}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ul\insrsid1207561\charrsid8268747 RAROTONGA
\par }\pard\plain \ltrpar\s39\ql \fi720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8268747 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ul\insrsid1207561\charrsid8268747 WHEREAS
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb120\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid16200401 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 You executed a memorandum of mortgage dated the 12th day of February 1980 in favour of the National Bank of New Zeal
and Limited over your land comprising 947 m2 more or less situated in the district of Avarua, Rarotonga in the Cook Islands and being all of the land named}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8268747  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1207561\charrsid16593575 by the Land Court as Lot 9, Section 190A, No. 2, Kiikii Tapere, Avarua district in part of the land 
contained in the partition order made by the Native Land Court on the 7th of October 1918 which said parcel of land is more particularly delineated and described in the plan deposited in the office of the Chief Surveyor at Rarotonga under number }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16200401 S}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 0953 together with rights of way adjacent thereto described in the Deed of Lease made the 20th day of March 1979 between Emma Moetaua and you.

\par {\listtext\tab}}\pard \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid8268747 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\ul\insrsid1207561\charrsid8268747 AND WHEREAS}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575  The National Bank of New Zealand has assigned the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8268747 said mortgage to Westpac Banking Corporation a duly incorpo
rated company incorporated in Australia}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid416316 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8268747\charrsid16593575 
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 You are hereby given notice of the assignment of the mortgage.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8268747 
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575  Dated this 15th day of March 1991
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts11\trrh-713\trleft1560\trkeep\trftsWidth3\trwWidth7696\trftsWidthB3\trftsWidthA3\tblrsid416316\tblind1560\tblindtype3 \clvmgf\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone 
\cltxlrtb\clftsWidth3\clwWidth4373\clshdrawnil \cellx5933\clvertalb\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrtbl \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3323\clshdrawnil \cellx9256\pard\plain \ltrpar
\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16593575 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\ul\insrsid1207561\charrsid416316 SIGNED}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575  by
\par a duly authorised attorney of the National Bank of New Zealand Limited on the 15th day of March 1991 before me}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 \cell 
}\pard \ltrpar\qc \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid8268747 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 "Roberts"}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid416316 _____________}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid416316\charrsid16593575 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 \trowd \irow0\irowband0\ltrrow\ts11\trrh-713\trleft1560\trkeep\trftsWidth3\trwWidth7696\trftsWidthB3\trftsWidthA3\tblrsid416316\tblind1560\tblindtype3 \clvmgf\clvertalt\clbrdrt\brdrnone 
\clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth4373\clshdrawnil \cellx5933\clvertalb\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrtbl \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3323\clshdrawnil \cellx9256\row 
\ltrrow}\trowd \irow1\irowband1\lastrow \ltrrow\ts11\trrh-491\trleft1560\trkeep\trftsWidth3\trwWidth7696\trftsWidthB3\trftsWidthA3\tblrsid416316\tblind1560\tblindtype3 \clvmrg\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr
\brdrnone \cltxlrtb\clftsWidth3\clwWidth4373\clshdrawnil \cellx5933\clvertalc\clbrdrt\brdrtbl \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3323\clshdrawnil \cellx9256\pard \ltrpar
\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16593575 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 \cell }\pard \ltrpar
\qc \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid8268747 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 Manager\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 \trowd \irow1\irowband1\lastrow \ltrrow
\ts11\trrh-491\trleft1560\trkeep\trftsWidth3\trwWidth7696\trftsWidthB3\trftsWidthA3\tblrsid416316\tblind1560\tblindtype3 \clvmrg\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone 
\cltxlrtb\clftsWidth3\clwWidth4373\clshdrawnil \cellx5933\clvertalc\clbrdrt\brdrtbl \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3323\clshdrawnil \cellx9256\row }\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16593575 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid8268747 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 in the presence of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1207561\charrsid16593575 
\par {\listtext\tab}}\pard \ltrpar\s21\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid416316 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 "M. Storm" }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid416316 
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 Bank Officer }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8268747 
\par {\listtext\tab}}\pard \ltrpar\s21\qj \li1440\ri0\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid416316 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 Rarotonga"
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8268747 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 2. A Notice of Demand by the Respondent dated the 10th day of April 1991, as follows}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1207561\charrsid16593575 
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid2366877 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 Westpac Banking Corporation }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8268747 
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 Rarotonga Branch }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8268747 
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 10 April 1991
\par {\listtext\tab}}\pard \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid8268747 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 TO}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575  BLUE PACIFIC LAUNDRY AND DRYCLEANERS (1984) LIMITED
\par {\listtext\tab}previously called
\par }\pard\plain \ltrpar\s28\ql \li1440\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8268747 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid8268747 BLUE PACIFIC LAUNDRY AND DRYCLEANERS LIMITED PANAMA}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8268747\charrsid8268747 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid8268747 RAROTONGA}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2366877 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7897004 Sir
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid2366877 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7897004 WESTPAC BANKING CORPORATION (hereinafter called "the Bank)}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang1024\langfe1024\noproof\langnp2057\langfenp2057\insrsid15408904 {\shp{\*\shpinst\shpleft4428\shptop14750\shpright4905\shpbottom14750\shpfhdr0\shpbxcolumn\shpbxignore\shpbypara\shpbyignore\shpwr2\shpwrk0\shpfblwtxt0\shpz0\shplid1026
{\sp{\sn shapeType}{\sv 20}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{\sn shapePath}{\sv 4}}{\sp{\sn fFillOK}{\sv 0}}{\sp{\sn fFilled}{\sv 0}}{\sp{\sn lineWidth}{\sv 8890}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\sp{\sn dxWrapDistLeft}{\sv 0}}
{\sp{\sn dxWrapDistRight}{\sv 0}}{\sp{\sn dhgt}{\sv 251665408}}{\sp{\sn fLayoutInCell}{\sv 0}}{\sp{\sn fBehindDocument}{\sv 0}}{\sp{\sn fLayoutInCell}{\sv 0}}}{\shprslt{\*\do\dobxcolumn\dobypara\dodhgt8192\dpline\dpptx0\dppty0\dpptx477\dppty0
\dpx4428\dpy14750\dpxsize477\dpysize0\dplinew14\dplinecor0\dplinecog0\dplinecob0}}}{\shp{\*\shpinst\shpleft-866\shptop14774\shpright10335\shpbottom14774\shpfhdr0\shpbxcolumn\shpbxignore\shpbypara\shpbyignore\shpwr2\shpwrk0\shpfblwtxt0\shpz1\shplid1027
{\sp{\sn shapeType}{\sv 20}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{\sn shapePath}{\sv 4}}{\sp{\sn fFillOK}{\sv 0}}{\sp{\sn fFilled}{\sv 0}}{\sp{\sn lineWidth}{\sv 3175}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\sp{\sn dxWrapDistLeft}{\sv 0}}
{\sp{\sn dxWrapDistRight}{\sv 0}}{\sp{\sn dhgt}{\sv 251666432}}{\sp{\sn fLayoutInCell}{\sv 0}}{\sp{\sn fBehindDocument}{\sv 0}}{\sp{\sn fLayoutInCell}{\sv 0}}}{\shprslt{\*\do\dobxcolumn\dobypara\dodhgt8193\dpline\dpptx0\dppty0\dpptx11201\dppty0
\dpx-866\dpy14774\dpxsize11201\dpysize0\dplinew5\dplinecor0\dplinecog0\dplinecob0}}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7897004  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
hereby demands payment by you of the moneys secured by MEMORANDUM OF MORTGAGE dated the 12TH day of FEBRUARY 1980, made between your BLUE PACIFIC LAUNDRY AND DRYCLEANERS (1984) LIMITED and the Bank.
\par {\listtext\tab}}\pard \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid7897004 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
The amount due by you to the Bank under the said Mortgage at the date of this Demand is TWENTY NINE THOUSAND THREE HUNDRED AND TWENTY FIVE DOLLARS AND 97 CENTS ($29,325.97).
\par {\listtext\tab}Unless the moneys secured by the said Mortgage be paid to the Bank before 3 p.m. on the 24TH day of APRIL 1991 the Bank will take such actions as it may be advised for recovery of the said moneys.
\par {\listtext\tab}WESTPAC BANKING CORPORATION}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561 
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts38\trgaph108\trrh578\trleft1332\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid14707361\tbllkhdrrows\tbllkhdrcols\tbllknocolband
\tblind1440\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1929\clshdrawnil \cellx3261\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth1417\clshdrawnil \cellx4678\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid14707361\yts38 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af39 \ltrch\fcs0 \insrsid2366877\charrsid16593575 "Roberts"}{\rtlch\fcs1 \af39 \ltrch\fcs0 \insrsid2366877 \cell Manager\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2366877 \trowd \irow0\irowband0\ltrrow
\ts38\trgaph108\trrh578\trleft1332\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid14707361\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1440\tblindtype3 \clvertalt\clbrdrt\brdrtbl 
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}\trowd \irow1\irowband1\lastrow \ltrrow\ts38\trgaph108\trrh533\trleft1332\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid14707361\tbllkhdrrows\tbllkhdrcols\tbllknocolband
\tblind1440\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1929\clshdrawnil \cellx3261\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth1417\clshdrawnil \cellx4678\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid14707361\yts38 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af39 \ltrch\fcs0 \insrsid2366877\charrsid16593575 RAROTONGA}{\rtlch\fcs1 \af39 \ltrch\fcs0 \insrsid2366877 \cell Branch"\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2366877 
\trowd \irow1\irowband1\lastrow \ltrrow\ts38\trgaph108\trrh533\trleft1332\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid14707361\tbllkhdrrows\tbllkhdrcols\tbllknocolband
\tblind1440\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1929\clshdrawnil \cellx3261\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth1417\clshdrawnil \cellx4678\row }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7897004 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
3. A letter dated 19 June 1991 from the Respondent to the Applicant setting out in detail the negotiations concluded between the parties and confirmed as correct by the Applicant. A copy of that letter follows}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16593575\charrsid16593575 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
\par }\pard\plain \ltrpar\s28\ql \li5760\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin5760\itap0\pararsid7897004 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 Westpac Banking Corporation }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7897004 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 Main Road, Avarua }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7897004 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 Rarotonga
\par P.O. Box 42, Rarotonga}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7897004 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 Cook Islands
\par Telephone}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575  22014 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7897004 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 Telex}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575  62014 RG }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7897004 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 Facsimile}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575  20802
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid14707361 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid14974263 19 June 1991
\par {\listtext\tab}}\pard \ltrpar\s21\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid14707361 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 The Secretary
\par {\listtext\tab}Blue Pacific Laundry & Drycleaners (1984) Limited
\par {\listtext\tab}Panama
\par {\listtext\tab}RAROTONGA
\par {\listtext\tab}}\pard \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid14707361 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 Dear Sir
\par {\listtext\tab}We refer to correspondence received from Mianlea Consultants Limited, on your behalf, offering reduction arrangements.
\par {\listtext\tab}Mianlea Consultants made mention in their correspondence to Westpac not holding any security over Company property. We advise however}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14974263  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1207561\charrsid16593575 that a Mortgage dated 12 February 1980 is currently in place over Lot 9 Sec 190A, 2 Kiikii Tapere and we reject the assertion made by Mianlea Consultants.
\par {\listtext\tab}Your offer of reductions of $800.00 (eight hundred dollars) per calendar month from 31 May 1991 up to 
and including 31 August 1991 and then $1000.00 (one thousand dollars) per calendar month until overdraft plus interest are met in full, is acceptable to the Bank without prejudice to our rights under Demand dated 10 April 1991.
\par {\listtext\tab}}\pard \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid1708658 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
We also advise that accepta
nce of your offer is subject to the strict understanding that in the event of default, enforcement of the Mortgage is to continue under the Notice of Demand served on 10 April 1991, and we require your immediate written acceptance of this condition.

\par {\listtext\tab}Yours faithfully
\par {\listtext\tab}}\pard \ltrpar\s21\qj \li1440\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid1708658 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 P.E. Roberts }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14974263 
\par {\listtext\tab}}\pard \ltrpar\s21\qj \li1440\ri0\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid1708658 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 MANAGER
\par {\listtext\tab}}\pard \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid1708658 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
WE HEREBY ACKNOWLEDGE ABOVE TERMS AND CONDITIONS }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14974263 
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 "Towgood" 20/6/91"
\par }\pard\plain \ltrpar\s1\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0\pararsid1708658 \rtlch\fcs1 \ab\af0\afs28\alang1025 \ltrch\fcs0 
\b\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid14974263 THE APPLICANTS SUBMISSIONS
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14974263 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 The Applicant has applied for an injunction to restrain the Respondent from proceeding with a mortgagee sale of its house. The applicant bases its application on the following grounds}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid16593575\charrsid16593575 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid1708658 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14974263 (a)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 That the mortgage dated the 12th day of February 1980 is "invalid a
nd unenforceable". The basis for that allegation is the failure to obtain the consent of the Leases Approval Committee to the Deed of Assignment entered into between The National Bank of New Zealand Limited and the Respondent. However consent to such an a
ssignment is not required by the Leases Restrictions Act 1976.
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14974263 (b) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
That while the Applicant acknowledges the existence of "a debt", it does not acknowledge the existence of "the debt". The letter dated 19 June 1991 already referred to and acknowledged as c
orrect by Mr Towgood (who by his affidavit is entitled to act and speak on behalf of the Company), and who confirms the previous correspondence; the indebtedness of the Company; the amount of the debt; and therefore binds the company, the Applicant, in th
ose proceedings.
\par {\listtext\tab}}\pard \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid11170584 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14974263 (c)}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11170584  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 That the original debt has been repaid. The Respondent acknowledges that the original loan of $12,000 was }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid11170584 
repaid}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575  in 1985. While a company debenture was discharged at that time, the company mortgage was not and so provided the security f
or the subsequent advances which have accumulated and which form the basis for these present proceedings. There is, therefore, no disputing that the original mortgage arrangements agreed upon in 1980 were repaid in 1985. But since then the Respondent has 
provided the credit arrangements relying on the mortgage given by the Applicant; which has never been discharged; and which is a continuing security in favour of the Respondent.
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2713272 (d) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 The Applicant claims to have the original lease document. So does the Resp
ondent. There is an allegation of theft. This aspect of the application for an injunction is irrelevant, and therefore it is not necessary for me to consider it. If the Respondent has difficulties with the lease documentation then that is a problem which 
it will have to decide independently of these proceedings. If the Applicant has the lease that does not prove a discharged mortgage as submitted. This claim has no basis and I disregard it.
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2713272 (e)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11170584  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 The Applicant claims that because the Company debenture was sat
isfied therefore the mortgage is also satisfied. That does not follow, and is based on a false premise.
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2713272 (f) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 Finally }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9330164\charrsid16593575 Mr.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1207561\charrsid16593575  Towgood, in an affidavit supporting the Applicant company}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
s request for relief by way of injunction stated as follows}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16593575\charrsid16593575 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
\par {\listtext\tab}}\pard\plain \ltrpar\s30\qj \li2160\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\ilvl1\outlinelevel1\adjustright\rin0\lin2160\itap0\pararsid12198326 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 "I humbly seek }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12198326 this restraint because myself,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1207561\charrsid16593575  my wife and three young }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1024\langfe1024\noproof\langnp2057\langfenp2057\insrsid15408904 
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children continue to occupy the residence on the Land. We have occupied it since 1984 and it would cause unreasonably distress and suffering a sale of the property was to take place before any debt h
ad been proven. If the sale proceeds it must lead inevitably to our eviction from our home which would be unreasonable and unfair in the circumstances."
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2713272 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 The Court can and does express every sympathy with the Towgood family if the outcome of these proceedings should mean they can no longer stay in the Applicant company}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16593575\charrsid16593575 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid16593575 
s house. The lease and the house belongs to the Company; it was the Company who entered into the mortgage which is still current; and it was the Company that incurred the substantial amount now owing to the Respondent.
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\b\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1207561\charrsid2713272 CONCLUSION
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2713272 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
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The Applicant company and Mr Towgood in particular have exercised considerable ingenuity in presenting submissions to support the application for injunction. But ingenuity is no substitute for the law of the Cook Islan
ds which makes provision for certain proceedings when a person or a company fail to meet their financial obligations or, as in this case, to meet repayment arrangements acknowledged by Mr Towgood but not adhered to or complied with.
\par The Respondent is owed a debt by the Applicant; the Applicant acknowledges it owes the Respondent a debt; the Applicant executed a mortgage in favour of the Respondent; and that mortgage is still current.
\par The application for injunction is refused. The Applicant must pay costs to the Respondent. I fix costs at $500.00.
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\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid1207561\charrsid12198326 Dillon J.
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