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\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 IN THE HIGH COURT OF FIJI
\par AT SUVA
\par CIVIL JURISDICTION
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6688857 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6688857 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 CIVIL ACTION NO. }{\lang2057\langfe1033\langnp2057\insrsid7408001\charrsid6688857 HBC00}{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 93 OF 2000
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IN THE MATTER of Mortgage No. 5555 over Instrument of Tenancy No. 011 given by TANIELA VERE SULIANA, RACHAEL LAL, ETIKA SULIANA, FINAU WAQANIVAVALAGI AND SAVIKA ROUNDS in favour of NBF ASSET MANAGEMENT BANK
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6688857 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6688857 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 Between:
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6688857 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6688857 {\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 NBF ASSET MANAGEMENT BANK
\par }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 Plaintiff}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6688857 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6688857 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 and
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6688857 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6688857 {\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 TANIELA VERE SULIANA
\par }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 Defendant
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid7408001 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 
\par Mr.}{\lang2057\langfe1033\langnp2057\insrsid7408001\charrsid6688857  }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 T.}{\lang2057\langfe1033\langnp2057\insrsid7408001\charrsid6688857  }{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 Seeto for Plaintiff}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
\par }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 Ms. G. T. Olsson for Defendant}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
\par 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6688857 {\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 JUDGMENT
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid7408001 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 
\par }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 By Originating Summons dated 7 March 2000 the plaintiff (hereafter called }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 62 \\f 
"WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 NBF}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols"
 \\s 12}{\fldrslt\f169\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 ) seeks the following main orders against the defendant (the }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 62 \\f 
"WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 defendant}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols"
 \\s 12}{\fldrslt\f169\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 ) on the grounds set out in the Affidavit in Support filed herein:
\par 
\par {\listtext\pard\plain\s16 \lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 \hich\af0\dbch\af0\loch\f0 1.\tab}}\pard\plain \s16\ql \fi-720\li1440\ri0\nowidctlpar\faauto\ls1\rin0\lin1440\itap0\pararsid7408001 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 DELIVERY by the Defendant to the Plaintiff of vacant possession of }{
\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 ALL THAT}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001  property comprised and described in Instrument of Tenancy 011 known as Davuilevu Agriculture Sub}{
\lang2057\langfe1033\langnp2057\insrsid7408001 -}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 Division, Stage 1 Lot 2 on Deposit Plan 5922 in the Province of Rewa and having an area of 5 acres situated }{
\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 TOGETHER WITH}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001  all improvements thereon under Order 88 of the High Court Rules.
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\par {\listtext\pard\plain\s16 \lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 \hich\af0\dbch\af0\loch\f0 2.\tab}}\pard\plain \s16\ql \fi-720\li1440\ri0\nowidctlpar\faauto\ls1\rin0\lin1440\itap0\pararsid7408001 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
AN injunction restraining the Defendant, their servants or agents from interfering with the improvement on the said property in any way so as to deplete its value.
\par }\pard\plain \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid7408001 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
\par The defendant opposes the Summons to which the NBF has replied by an affidavit sworn 30 August 2001.
\par 
\par As ordered both counsel filed helpful written submissions
\par 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 Consideration of the issue}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
\par 
\par This is NBF}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 s application under }{
\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 Order 88 Rule 3}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001  of }{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 The High Court Rules 1988}{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001  being an action on the mortgaged }{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 property}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
 being Methodist Church Instrument of Tenancy 011 known as stage 1 Lot 2 on D.P. No. 5922 at Davuilevu Subdivision (hereafter called the }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 62 \\f 
"WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 property}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols"
 \\s 12}{\fldrslt\f169\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 ) seeking the Orders stated hereabove.
\par 
\par The brief facts are that the }{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 defendant}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001  (the }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
{\field{\*\fldinst SYMBOL 62 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 mortgagor}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL
 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 ) is the registered proprietor (lessor) of the pr
operty and has mortgaged it to secure repayment to the plaintiff of all banking advances, charges, interest and other banking accommodations made by the plaintiff to the mortgagor from time to time and on terms and conditions as therein contained.
\par 
\par The two main grounds upon which the defendant opposes the application are}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 firstly}{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 , the NBF by its conduct, caused and/or contributed to the alleged debt being owed by the mortgagor, and }{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 secondly}{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 , that the NBF has failed to provide all the particulars required under Or.88 r(3).}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 He alleges that his farm income has suffered because of seizure by NBF of one of his farm vehicles.}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 He says that NBF was in breach of the duty of care which it owed to the mortgagor.}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 He admits that he was unable to service the loan because variation in payments were made unilaterally and alleges that in breach of Or.88 r3 NBF failed to provide the details of advance.

\par 
\par Mr. Seeto for NBF submitted that the }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 62 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
understanding}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
 about the five year farm program is according to parole evidence rule inadmissible.}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
The transaction was reduced to writing and hence extrinsic evidence is inadmissible to contradict, to vary, to add to or to substract from the terms of the document.}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 The mortgagor is bound by offer letter signed by him (}{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 L}{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
{\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 Estrange v F. Graucob}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001  [
1934] 2 K.B. 394).}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 Mr. Seeto further submits that the }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst 
SYMBOL 62 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 delinquent behaviour}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 61 \\f 
"WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
 of the mortgagor can be gleaned from the manner in which the mortgagor conducted the management of his account and his running of the farm as evidenced by NBF}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL
 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 s letter to the mortgagor.
\par 
\par The learned counsel submits that on the authorities to which he made reference the mortgagor}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 s arguments are frivolous and without merit.
\par 
\par In the application under Order 88 the plaintiff has to comply with certain requirements as stated in that Order particularly }{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 Order 88 rules 2, 3(2), (3), (4), (5), (6) and (7)}{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 .}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 This I find the NBF has complied with.
\par 
\par The defendant is considerably in arrears of payment.}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 The amount remaining due now under the mortgage is }{
\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 $222,251.00}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 .}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 The defendant is in possession of the property.}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
The NBF has a purchaser for the property who is now ready to pay the balance purchase price to NBF and has requested the bank to transfer the property to them and further to give vacant possession.
\par 
\par The NBF had on 9 February 1999 given the defendant notice to vacate the mortgaged property but he has failed to do so.
\par 
\par Under the powers contained in the mortgage document the NBF is empowered to obtain possession as therein provided.}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
The right to possession arises in this case because of the default in payment of the NBF advances made.
\par 
\par The defendant}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
s argument in effect suggests that for the reasons advanced by him the NBF be restrained from exercising its power of sale under the mortgage.}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 If the defendant wants an injunction in this regard then he has to move the Court.}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 On this aspect the law is very clear and I refer to the following passage in }{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 Halsbury}{
\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 s Laws of England 4th Ed. Vol.32}{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001  }{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 parag 725}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001  which supplies the answer and is apt:
\par 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid7408001 {\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 65 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{
\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 The mortgagee will not be restrained from exercising his power of sale because the }{\b\ul\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 amount due is in dispute}{
\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001  or because the mortgagor has begun a redemption action or because the mortgagor objects to the manner in which the sale is being arranged.}{
\b\lang2057\langfe1033\langnp2057\insrsid7408001  }{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 He will be restrained however if the mortgagor pays the amount which the mortgagee claims to be due to him.}{
\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 64 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid7408001  }{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 (emphasis added)
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid7408001 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
\par This is not a case where the Court will interfere with the mortgagee}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 s rights under the mortgage for it has complied with the provisions of Order 88.}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 The defendant as mortgagor has vested NBF with wide powers under the mortgage document.}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 The effect of these powers have been fully set out in the following passage from the judgment in }{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 Matthie v Edwards}{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001  73 RR 776 at 779:}{\lang2057\langfe1033\langnp2057\insrsid14889380 
\par }{\lang2057\langfe1033\langnp2057\insrsid7408001\charrsid7408001 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid7408001 {\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 62 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{
\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 Now those powers so given may undoubtedly, be often used for purposes of oppression.}{\b\lang2057\langfe1033\langnp2057\insrsid7408001  }{
\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
They are however, powers which the party having a power of the property thinks proper to confer on the individual from which he borrows the money; it is a bargain; one party parts with his money, and he has to pay himself out of the property upon whic
h it is charged; and it is for the other party, who creates the mortgage, to consider whether he has not given too large a power to the individual with whom he is dealing.}{\b\lang2057\langfe1033\langnp2057\insrsid7408001  }{
\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 But when once it is given, the party advancing his money is perfectly entitled to ex
ecute the power which such a contract gives him.. however if the power is sought to be exercised for exorbitant purposes, without a due regard to the interest of the parties concerned, this Court will interfere under certain circumstances, and, like other
 pledges, if the individual comes and deposits the money, the Court will, under certain circumstances prevent a party from exercising that power arbitrarily, but not without the actual deposit of the sum which the other party is entitled to.
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid7408001 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid6688857 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid7408001 {\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 Now it is quit
e clear, that the interests of society (and more particularly financing institutions) require, and the justice of such a case requires that those powers, when they do not come within the (above) principles on which the Court has acted, should not be inter
fered with; it is merely a power which the individual has given.}{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid7408001 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
\par Further, the mortgagee has a common law right to possession and this is well established as borne out by the judgment of }{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 Goff L.J.}{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001  in }{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 Western Bank Ltd v Schindler}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
 (1977) 1 Ch where it is stated:
\par 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid7408001 {\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 65 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f169\fs24}}}{
\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 It has for a very long time been established law that a mortgagee has a proprietary right at common law as owner of the legal estate to go into possession of the mortgaged property.}{
\b\lang2057\langfe1033\langnp2057\insrsid7408001  }{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 This right has been unequivocally recognised in a number of modern 
cases: see for example, Four Maids Ltd v. Dudley Marshall (Properties Ltd. (1957) Ch. 317.}{\b\lang2057\langfe1033\langnp2057\insrsid7408001  }{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 ...}{
\b\lang2057\langfe1033\langnp2057\insrsid7408001  }{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 It has nothing to do with default: See per Harman J. in the Four}{\b\lang2057\langfe1033\langnp2057\insrsid7408001 -}{
\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 Maids case where he said, at p.320:
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid7408001 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
\par }\pard \ql \li1440\ri0\nowidctlpar\faauto\rin0\lin1440\itap0\pararsid7408001 {\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 The mortgagee may go into possession before the ink is dry 
on the mortgage unless there is something in the contract, express or by implication, whereby he has contracted out of that right.}{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 {\field{\*\fldinst SYMBOL 64 \\f "WP TypographicSymbols"
 \\s 12}{\fldrslt\f169\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid7408001 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 Conclusion}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
\par 
\par To conclude, on the facts and circumstances of this case and on the authorities}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 NBF is well within its rights to apply under }{
\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 Order 88}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001  of }{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 The High Court Rules}{
\lang2057\langfe1033\langnp2057\insrsid7408001  }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 for the Orders sought in the Originating Summons.}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 The argument put forward by the defendant to prevent the mortgagee from exercising its power of sale and from obtaining vacant possession are without merit and
 an abuse of the process of the Court.}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
The defendant who owes a large sum of money to NBF and has been in default with no hope of paying the debt has the audacity to say to the effect that NBF is to be blamed for the failure of his farm project.
\par 
\par For these reasons I conclude that the defendant has not convinced me on the facts and authorities that I ought to make an Order in his favour.}{\lang2057\langfe1033\langnp2057\insrsid7408001  }{
\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 The plaintiff therefore succeeds in its application and I grant the Orders sought by it as stated hereabove with costs against the defendant in the sum of $300.00.
\par 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid7408001 {\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 D. Pathik
\par }{\b\ul\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 Judge}{\b\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid7408001 {\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
\par At Suva
\par 8 February 2002}{\lang2057\langfe1033\langnp2057\insrsid14889380\charrsid7408001 
\par }}