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\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid6576105 IN THE HIGH COURT OF FIJI
\par AT LABASA
\par CIVIL JURISDICTION
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6576105 {\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid6576105 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6576105 {\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid6576105 CIVIL ACTION NO. }{\lang2057\langfe1033\langnp2057\insrsid4935465\charrsid6576105 HBC00}{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid6576105 18 OF 2002
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6576105 {\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid6576105 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6576105 {\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid6576105 Between:
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6576105 {\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid6576105 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6576105 {\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid6576105 PARMOD CHAND
\par }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid6576105 s/o Vishnu Prasad
\par Plaintiff
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6576105 {\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid6576105 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6576105 {\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid6576105 and
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6576105 {\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid6576105 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6576105 {\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid6576105 AUSTRALIA AND NEW ZEALAND}{\b\lang2057\langfe1033\langnp2057\insrsid6576105  }{
\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid6576105 BANKING GROUP LIMITED
\par }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid6576105 Defendant
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid4935465 {\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid6576105 
\par Mr. A. Kohli for Plaintiff
\par Ms. B. Narayan for Defendant}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
\par 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid6576105 {\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid6576105 DECISION
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid4935465 {\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid6576105 
\par }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 This is the plaintiff}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 s application by way of }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 motion}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465  dated }{
\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 13 March 2002 }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
for an injunction restraining the defendant from further advertising for sale, selling or dealing with the property contained in Certificate of Title No. 12841 in any
 manner whatsoever until the final determination of this action upon the grounds contained in the affidavit of the plaintiff filed herein.
\par 
\par An interim injunction on an ex parte motion was granted on }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 14 March 2002}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 .
\par }{\lang2057\langfe1033\langnp2057\insrsid4935465 
\par }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 The motion was returnable for }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 23 April 2002}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 .}{
\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
The application is opposed by the defendant by an Affidavit in Reply of Sunil Kalyan, the Manager of the Asset Management Unit of the defendant Bank in Suva.
\par 
\par On the returnable date Mr. Kohli for the plaintiff stated that the amount will be paid off by 21 May 2002.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
Mr. Kohli wanted to file an Affidavit in Reply to Summons for dissolution of interim injunction.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
He was allowed 14 days to do so and the matter was adjourned to 21 May 2002 for argument.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
An Affidavit in Reply was filed on 15 May 2002 and the matter was heard on 22 May 2002 at Labasa.
\par 
\par Mr. Kohli argued that the plaintiff relying on the representation made by the defendant brought his arrears up}{\lang2057\langfe1033\langnp2057\insrsid4935465 -}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 to}{
\lang2057\langfe1033\langnp2057\insrsid4935465 -}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 date on loan No. 2 relating to the property comprised in CT. No. 12841.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 He says that the correspondence between the parties speak for themselves.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
He wants the injunction to continue until the trial of the action.
\par 
\par Miss Narayan vigorously opposed the application and is seeking dissolution of the interim injunction granted herein.
\par 
\par She submitted that there is no serious question to be tried and that this application is frivolous and vexatious.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
She says that the plaintiff does not deny the debt but merely asserts that he is arranging payment of same.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
He has made no attempt to clear the debt despite promises to do so.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 In fact he only brought the arrears up}{
\lang2057\langfe1033\langnp2057\insrsid4935465 -}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 to}{\lang2057\langfe1033\langnp2057\insrsid4935465 -}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
date just before making this application.
\par 
\par Miss Narayan stated that the plaintiff has come to Court three times seeking injunction in respect of the same debt and property.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
This she says is an abuse of the process of the Court.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
The learned counsel submits that the interim order for injunction ought to be dissolved.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
She says damages is an adequate remedy and the defendant is capable of paying it if one is awarded.
\par 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 Consideration of the issue}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
\par 
\par I have carefully considered the arguments put forward by both counsel.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 The contents of all the affidavits have also been considered.
\par 
\par The plaintiff has made a number of allegations against the defendant.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 Not all of these allegations are contained in the Writ of Summon
s herein; some of these are made for the first time in the affidavits.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 The defendant denies them all.
\par 
\par On the affidavit evidence before me, I am not satisfied that the defendant as mortgagee made representation as alleged thereby allowing the plaintiff to bring his arrears up}{\lang2057\langfe1033\langnp2057\insrsid4935465 -}{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 to}{\lang2057\langfe1033\langnp2057\insrsid4935465 -}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
date and so long as he keeps up with his instalment payment no action will be taken under the mortgage.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
It is a matter of comment that after the interim injunction was granted on 14 March 2002, on the returnable day of the motion fo
r injunction i.e. 23 April 2002, the learned counsel for the plaintiff stated that the amount under the mortgage will be paid off by }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 21 May 2002}{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 .}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 So the matter was adjourned for that date.
\par 
\par When the case was called in the High Court at Labasa the plaintiff did not keep to his undertaking but instead sought time to file an Affidavit in Reply to the defendant}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst 
SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 s summons to dissolve the interim injunction.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 In that affidavit in Reply he made allegations of representation etc.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
In other words there was no intention on the part of the plaintiff to make any payment.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
His undertaking to pay was merely an excuse to get more time to prolong his own agony as long as he could lest the defendant exercises its power of sale under the mortgage.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 One must come to Court with clean hands.}{\lang2057\langfe1033\langnp2057\insrsid7425229 
\par }{\lang2057\langfe1033\langnp2057\insrsid4935465\charrsid4935465 
\par }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 On the principles governing the granting of injunction the leading case is }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 American Cyanamid Co v Ethicon Ltd}{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465  (1975) 1 All E.R and as it was said in that case that the Court must be satisfied that the plaintiff}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL
 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 s claim is not frivolous and vexatious.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 In other words, there is a serious question to be tried; and if that is the case then the question becomes a matter of the }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
{\field{\*\fldinst SYMBOL 62 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 balance of convenience}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
{\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 .
\par 
\par I find that on the affidavit evidence, there is }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 no serious question}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465  to be tried.}{
\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 No doubt the plaintiff made attempts in the past to obtain injunctions in respect of the same property but has eventually been unsuccessful.}{
\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 There is no dispute as to the debt under the mortgage.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 The plaintiff}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 s bone of contention is that since he was allowed to bring his arrears of payment up}{\lang2057\langfe1033\langnp2057\insrsid4935465 -}{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 to}{\lang2057\langfe1033\langnp2057\insrsid4935465 -}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 date he should not be proceeded against under the mortgage.}{
\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 The defendant denies that there was any such arrangement.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 Looking at the whole of the evidence before me I find that this application is frivolous when the plaintiff knew very well he could not keep to his undertaking to pay by 21 May 2002.}{
\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 If one cannot keep to that promise to pay then one should not give false hope and a sense of security.
\par 
\par The plaintiff has not satisfied me in law that he is entitled to an injunction which he is seeking.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
If the plaintiff succeeds in this action he will be entitled to damages which the defendant as a bank is able to pay.
\par 
\par Hence for the plaintiff damages as a remedy is sufficient.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 Therefore, on a balance of convenience the granting of injunct
ion is not appropriate on the facts before me so as to prevent the defendant as mortgagee exercising its power of sale.
\par 
\par There have to be strong grounds for interfering with a mortgagee}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 s power of sale.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 The following passage from the judgment of }{
\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 Court of Appeal}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465  in }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
Westpac Banking Corporation Ltd v Adi Mahesh Prasad}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465  (Civil Appeal No. ABU0027 of 1997S at p7 is pertinent:}{\lang2057\langfe1033\langnp2057\insrsid7425229 
\par }{\lang2057\langfe1033\langnp2057\insrsid4935465\charrsid4935465 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid4935465 {\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL 65 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{
\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 Authorities to be referred to show that it is an extremely serious step to interfere with the exercise of a mortgagee}{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
{\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 s power of sale.}{\b\lang2057\langfe1033\langnp2057\insrsid4935465  }{
\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 The authorities show that it is quite unusual to grant an interlocutory injunction, let alone an }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 ex parte}{
\b\lang2057\langfe1033\langnp2057\insrsid4935465  }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 injunction, to restrain the power of the mortgagee except in very special circumstances.}{
\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL 64 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid4935465 {\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
\par }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 It is further stated in Prasad (supra)}{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
\par }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid4935465 {\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL 65 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{
\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 We add that, if in any case, whether it be a case involving a restraint on a mortgagee}{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL 61 \\f 
"WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 s power of sale or a different kind of case, the Court sees fit to grant an }{
\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 ex parte }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 injunction, the matter should be adjourned for no longer than a day or so.}{
\b\lang2057\langfe1033\langnp2057\insrsid4935465  }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 A period of six weeks, which was the period in this case, was far too long.}{
\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL 64 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 (bold for emphasis)
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid4935465 {\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
\par I might as well mention here that it is a well settled law that the Court will not interfere with the Mortgagee}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt
\f40\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 s power of sale unless the mortgagee pays the full mortgage amount into Court [vide }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
Inglis and Another v Commonwealth Trading Bank of Australia}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465  (1972) 126 C.L.R. 161 and }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
Ramesh Bhai Maisuria & Usha Ben Maisuria v Australia and New Zealand Banking Group Limited}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465  (Civil Action No. 299 of 2001).}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 This proposition was stated as follows in }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 Inglis}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
 (supra) at 164:
\par 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid4935465 {\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL 62 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{
\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
A general rule has long been established, in relation to applications to restrain the exercise by a mortgagee of power of sale given by a mortgage and in particular the exercise of a power of sale, that such an injunction will n
ot be granted unless the amount of the mortgage debt, if this be not in dispute, be paid, or unless, if the amount be disputed, the amount claimed by the mortgagee be paid into Court.
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid4935465 {\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid4935465 {\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 The rule, as it affects the exercise by a mortgagee of the power of sale, is stated in the following terms in }{
\b\ul\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 Halsbury Laws of England 3rd Edition Volume 27, p.301}{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 :
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid4935465 {\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
\par }\pard \ql \li1440\ri0\nowidctlpar\faauto\rin0\lin1440\itap0\pararsid4935465 {\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL 65 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{
\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 The mortgagee will not be restrained from exercising his power of sale because the amount due is in dispute, or because the mortgagor has commenced a redemption
 action, or because the mortgagor objects to the manner in which the sale is being arranged.}{\b\lang2057\langfe1033\langnp2057\insrsid4935465  }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
He will be restrained however, if the mortgagor pays the amount claimed into court, that is, the amount which the mortgagee swears to be due to him...}{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL 64 \\f 
"WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{
\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid4935465 {\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
\par Here the plaintiff has not only been falling in arrears of instalment payment but failed to pay off the full amount despite his undertaking to pay by 21 May 2002.
\par }{\lang2057\langfe1033\langnp2057\insrsid4935465 
\par }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 All that the plaintiff/mortgagor wants is that the defendant/mortgagee should not be allowed to proceed to sale particularly when he is up}{\lang2057\langfe1033\langnp2057\insrsid4935465 -}{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 to}{\lang2057\langfe1033\langnp2057\insrsid4935465 -}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 date with his payments.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 He has not stated, however, how he is going to meet his future payments.
\par 
\par In these circumstances how can the defendant be restrained from exercising its powers of sale.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 As was said by }{
\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 Megarry J }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 in }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 Shepard Homes Ltd v Sandham}{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465  (1971) Ch 340 that the }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL 65 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{
\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 Court must feel a high degree of assurance that at the trial it will appear that the injunction was rightly granted}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
{\field{\*\fldinst SYMBOL 64 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465  before the Court will interfere with the security document bearing in mind of course that at this stage }
{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL 65 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
the court is not justified in embarking upon anything resembling a trial of the action upon conflicting affidavits in order to evaluate the strength of either party}{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst 
SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 s case pertaining to grant of interlocutory injunction (Footnote to the Supreme Court Practice 1979 29/1/11).}{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL 64 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
\par 
\par In the outcome, for these reasons particularly the plaintiff}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 s own conduct in constantly making defaults in his payment under the mortgage and not keeping to his promises and undertaking despite accommodation ha
ving been extended to him, the defendant as a Bank/mortgagee is entitled to terminate its banker and customer relationship with the plaintiff.}{\lang2057\langfe1033\langnp2057\insrsid4935465  }{
\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 Hence the plaintiff is not entitled to an extension of the interim injunction granted herein and it has to be refused.
\par 
\par In conclusion I refer to the following passage from the judgment of }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 Megaw J}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465  in }{
\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 Hubbard & Anor v Vosper & Another}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
 (1972) 2 WLR 389 at 397 which I consider pertinent on the facts and circumstances of this case and to be taken into consideration:
\par 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid4935465 {\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst SYMBOL 65 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{
\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 One
 can really imagine a case in which the plaintiff appears to have a 75% chance of establishing his claim, but in which the damage to the defendant from the granting of the interlocutory injunction, if the 25% defence proved to be right, would be so great 
compared with the triviality of the damage to the plaintiff if he is refused the injunction, that an interlocutory injunction should be refused.}{\b\lang2057\langfe1033\langnp2057\insrsid4935465  }{
\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 To my mind, it is impossible and unworkable to lay down different standards in relation to different issues, which fall to be considered in an application for an interlocutory injunction.}{
\b\lang2057\langfe1033\langnp2057\insrsid4935465  }{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
Each case must be decided on a basis of fairness, justice and common sense in relation to the whole issues of fact and law and which are relevant to the particular case.}{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 {\field{\*\fldinst 
SYMBOL 64 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f40\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid4935465 {\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
\par The interim injunction is therefore dissolved with costs against the plaintiff in the sum of $400.00.
\par 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid4935465 {\b\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 D. Pathik
\par }{\b\ul\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 Judge
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid4935465 {\lang2057\langfe1033\langnp2057\insrsid4935465\charrsid4935465 
\par }{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 At Suva
\par 19 July 2002}{\lang2057\langfe1033\langnp2057\insrsid7425229\charrsid4935465 
\par }}