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\li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 CIVIL ACTION NO. }{\lang2057\langfe1033\langnp2057\insrsid12015989\charrsid12015989 HBC0}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 333 OF 2001 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 IN THE MATTER of Mortgage No. 449589 given by CHANDRA WATI RAM (f/n Lala Lajpath Rai), ALVIN VIKASH RAM (f/n Jai Ram) and VEDNA RAJESHNI DEVI NAND (f/n Jai Ram) all of Lot 31, Vesivesi Road, Caukuro, Kinoya, Company Directors in favour of Home Finance Company Limited over the property being Housing Authority Sub}{\b\lang2057\langfe1033\langnp2057\insrsid12015989\charrsid12015989 -}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Lease No. 168235. \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid12015989\charrsid12015989 \par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 AND \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 IN THE MATTER of an application under Order 88 of the High Court Rules, 1988 by letter dated 25th June, 2001 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 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{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 CHANDRA WATI RAM \par }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 (f/n Lala Lajpath Rai) \par }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 ALVIN VIKASH RAM \par }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 (f/n Jai Ram) \par }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 VEDNA RAJESHNI DEVI NAND \par }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 (f/n Jai Ram) \par Defendants \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par Mr. A. Tikaram for Plaintiff \par Mr. R.K. Naidu for Defendant \par \par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 JUDGMENT \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par This is the plaintiff}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s (hereafter called the }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 62 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 HFC}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 ) application by way of Originating Summons under }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Order 88 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 of }{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 The High Court Rules 1988}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 seeking the following main Orders: \par }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par {\listtext\pard\plain\s16 \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \hich\af0\dbch\af0\loch\f0 A.\tab}}\pard\plain \s16\ql \fi-720\li1440\ri0\nowidctlpar\faauto\ls2\rin0\lin1440\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 That the Defendants deliver to the Plaintiff vacant possession of A LL THAT piece or parcel of land situated in the District of Naitasiri in the Island of Viti Levu and comprised and described in Housing Authority Sub}{\lang2057\langfe1033\langnp2057\insrsid12015989 -}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Lease No. 168235 being Lot 31 on Deposited Plan No. 3894 and situated at Lot 31 Vesivesi Road, Caukuro, Kinoya }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 TOGETHER WITH }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 all improvements thereon, as charged by the Defendants to the Plaintiff by Mortgage No. 449589 dated 7th August}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 1998 to secure the money therein mentioned. \par }\pard\plain \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par {\listtext\pard\plain\s16 \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \hich\af0\dbch\af0\loch\f0 B.\tab}}\pard\plain \s16\ql \fi-720\li1440\ri0\nowidctlpar\faauto\ls2\rin0\lin1440\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 That the Defendants, their servants, agents or employees be restrained from inte rfering with the improvements on the said property in any way so as to defeat the Plaintiff}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s interest, claim and title in the said property and/or in any way deteriorate its value. \par }\pard\plain \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par The following }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 affidavits}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 have been filed by the parties and as ordered, c omprehensive written submissions were also filed: \par \par {\listtext\pard\plain\s16 \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \s16\ql \fi-720\li1440\ri0\nowidctlpar\faauto\ls3\rin0\lin1440\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Affidavit of Kiran Nath in support of the application sworn on 24th July, 2001. \par }\pard\plain \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par {\listtext\pard\plain\s16 \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}\pard\plain \s16\ql \fi-720\li1440\ri0\nowidctlpar\faauto\ls3\rin0\lin1440\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Affidavit in Answer by Vedna Rajeshni Devi Nand sworn on 6th September, 2001. \par }\pard\plain \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par {\listtext\pard\plain\s16 \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}\pard\plain \s16\ql \fi-720\li1440\ri0\nowidctlpar\faauto\ls3\rin0\lin1440\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Affidavit in Reply by Kiran Nath sworn on 24th September, 2001. \par }\pard\plain \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par {\listtext\pard\plain\s16 \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \hich\af0\dbch\af0\loch\f0 (iv)\tab}}\pard\plain \s16\ql \fi-720\li1440\ri0\nowidctlpar\faauto\ls3\rin0\lin1440\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Affidavit in Reply by Vedna Rajeshni Devi Nand sworn on 1st October, 2001. \par }\pard\plain \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Plaintiff}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s submission \par }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par The facts are outlined in }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Kiran Nath}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt \f36\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Affidavit in Support of the Summons.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Some of the salient facts are: (a) that by Mortgage No. 4495 89 dated 7 August 1998 on the land in question the defendants mortgaged to HFC in respect of all banking advances, charges, interest and other banking accommodation made by HFC to the defendants from time to time on terms and conditions as therein contain ed;}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 (b) the defendant defaulted under the mortgage from early mortgage period and numerous correspondence took place between the parties; (c) subsequently after the threats of mortgagee sale and the discontinuance by the defendant of the civil action agains t the plaintiff, a }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Consent Order}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 was entered into dated 18 May 2000; (d) the defendants defaulted under the Consent Order; (e) because of the continued default the plaintiff on a number of occasions advertised the property for mortgagee sale; pursuant to m ortgagee sale notices the plaintiff on 12 April 2001 entered into an agreement with a Mr. Joseph Williams for the sale of the property for valuable consideration and executed a Transfer of the property to Williams in readiness for settlement; (g) however, two of the defendants}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 father lodged a caveat No. 494221 against the property; (h) Notice to Quit has been served on the defendants but despite that they have failed to vacate and are still in occupation of the property; (i) under the Sale and Purchase Agr eement with Williams it is the plaintiff}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s responsibility to arrange vacant possession of the property for settlement and (j) the amount in arrears as at 31 May 2001 was $89,739.12 and interest accrues at the rate of $22.13 per day from 1 January 2001. \par \par On the above facts the plaintiff is seeking immediate vacant possession and}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 an injunction restraining the defendants from interfering with the improvements on the property in any way howsoever.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par \par }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Defendant}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s Reply to Affidavit in Support}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par \par In her affidavit in Reply sworn 6 September 2001 the }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 second defendant}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 on behalf of herself and first and third defendants, stated,}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 inter alia: (a) she admitted there was the said mortgage and they fell into arrears due to financial difficulties; (b) various correspondence e nsued; (c) demand notice was sent for $77,230,56; (d) the defendants tried to solve their problem about payment in various ways; they approached Westpac Banking Corporation to refinance the mortgage; (e) On 16 May 2000 }{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Shameem J}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 made certain }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Consent Orders}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 ; (f) the defendants allege fraudulent, negligent, misleading, deceptive and unconscionable conduct on the part of the plaintiff that resulted in the High Court Action No. 58/2000 against the plaintiff;}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 (g) that the Consent Order was made without their con sent; (h) the plaintiff sold the property at a gross under value price of $86,000.00 when the correct market value of the property is about $185,000.00; (i) the plaintiff has acted in a fraudulent manner}{\lang2057\langfe1033\langnp2057\insrsid12015989 } {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 under the mortgage and by proceeding to sell and tra nsfer the property to Joseph Williams; (j) there the plaintiff has also acted in a negligent manner; and (k) that the plaintiff has acted in a misleading, deceptive and unconscionable manner in breach of section 54 and 55 of the Fair Trading Decree 1992 b y proceeding to sell and transfer the property to Joseph Williams. \par \par In her further affidavit in Reply to plaintiff}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s affidavits, the third named defendant stated, inter alia, that: the plaintiff}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s actions defeated the whole purpose behind allowing them to include and register her father Jai Ram as a co}{ \lang2057\langfe1033\langnp2057\insrsid12015989 -}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 mortgagor.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 She says that the plaintiff failed to give them reasonable opportunity to comply with the demand and the mortgagee sale and to allow them a fair opportunity and take steps to redeem the mortgage. \par \par }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Grounds of defendants}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 opposition to summons}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par \par The defendants oppose the plaintiff}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s application on the following basis (as stated in their written submission): \par }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par {\listtext\pard\plain\s16 \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \s16\ql \fi-720\li1440\ri0\nowidctlpar\faauto\ls4\rin0\lin1440\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 That the Plaintiff cannot proceed with mortgagee sale purusant to the consent order entered by Madame Justice Shameem as the order was made without the Defendants consent. \par }\pard\plain \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par {\listtext\pard\plain\s16 \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard\plain \s16\ql \fi-720\li1440\ri0\nowidctlpar\faauto\ls4\rin0\lin1440\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 The mortgage debt is genuinely disputed. \par }\pard\plain \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par {\listtext\pard\plain\s16 \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard\plain \s16\ql \fi-720\li1440\ri0\nowidctlpar\faauto\ls4\rin0\lin1440\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 The Plaintiff is in breach of its duty of care it owes to the Defendants. \par }\pard\plain \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par {\listtext\pard\plain\s16 \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \hich\af0\dbch\af0\loch\f0 (d)\tab}}\pard\plain \s16\ql \fi-720\li1440\ri0\nowidctlpar\faauto\ls4\rin0\lin1440\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 The Plaintiff has acted in a fraudulent manner under the mortgage. \par }\pard\plain \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par {\listtext\pard\plain\s16 \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \hich\af0\dbch\af0\loch\f0 (e)\tab}}\pard\plain \s16\ql \fi-720\li1440\ri0\nowidctlpar\faauto\ls4\rin0\lin1440\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 The Plaintiff has acted in a misleading, deceptive and unconscionable manner under the mortgage. \par }\pard\plain \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Determination of the issues}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par \par }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Or.88}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 under which this application is made requires under Or.88 r3(2), (3),(4),(5), (6) and (7) certain procedural requirements to be fulfilled.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 This I find the plaintiff has complied with in this case. \par \par Under the said Order the plaintiff is seeking vacant possession.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 There is no dispute that the defendants did fall into arrears of payment under the mortgage in question and I do not wish to repeat the history of the dealings between the parties for they are contained in the various affidavits filed herein.}{ \lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 The plaintiff very rightly under the powers vested in it under the mortgage exercised its power of sale and entered into a Sale and Purchase Agreement with one Joseph Williams to whom it is required to give vacant possession of the property.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Vacant possession cannot be given unless the defendants vacate the property.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Therefore to get possession the plaintiff has rightly resor ted to the provisions of Order 88. \par }{\lang2057\langfe1033\langnp2057\insrsid12015989 \par }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 For the reasons given by the defendants as outlined in the affidavits filed by them and as contained in the written legal submissions they want this application to be dismissed.}{ \lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 In effect the defendants}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 arguments amount to this, that the mortgagee should be restrained from exercising its power of sale on the facts and circumstances of this case.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 There is no writ action pending in regard to the allegations against the plaintiff to restrain it from proceeding to sell under the mortgage.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 However, it is noted that there was an action }{\lang2057\langfe1033\langnp2057\insrsid12015989 -}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 but it was discontinued followed by the parties entering into a }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Consent Order}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 made by Shameem J although the defendants are now alleging that they are not aware of any such Consent Order.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 In an y case no steps had been taken to set that Order aside although it was indicated in one of their affidavits that they intended to instruct their Solicitors to apply to do so.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 However, it is}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 alleged that the defendants even defaulted in payment under the said Consent Order and hence the mortgagee as empowered under the said Order proceeded to exercise its power of sale. \par \par }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Mortgagee}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s right to possession}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par \par The written submission of counsel in law on mortgagee}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s rights have been very helpful in determining the issue before me. \par \par In regard to some of the arguments raised by Mr. Naidu for the defendants in his written submission, the following passage in }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Halsbury}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s Laws of England}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 4th }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Ed. Vol 32 para.725}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 }{ \lang2057\langfe1033\langnp2057\insrsid10376080 supplies the answer and is apt:}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par \par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid12015989 {\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 62 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 The mortgagee will not be restrained from exercising his power of sale because the}{\b\ul\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 amount due is in dispute}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 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\insrsid12015989 }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 He will be restrained however if the mortgagor pays the amount which the mortgagee, claims to be due to him.}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 (emphasis added) \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid10376080 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 It is not to be forgotten by the defendants that as mortgagors they have given very wide powers to the mortgagee under the Mortgage document.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 The efffect of these powers are well set out in }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Matthie v Edwards}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 73 RR. 776}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 at 779 where it is stated: \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid12015989 {\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 62 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Now those powers so given may undoubtedly, be often used for purposes of oppression.}{\b\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 They are however, powers which the party having a power of the property thinks proper to confer on the individual from whom 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 which 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\insrsid12015989 }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 But when once it is given, the party advancing his money is perfectly entitled to execute the power}{\b\lang2057\langfe1033\langnp2057\insrsid12015989 }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 which such a contract gives him .. however if the power is sought to be exerci sed 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 circu mstances 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\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid10376080 \par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid12015989 {\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Now it is quite 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 interfered with; it is merely a power which the individual has given.}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid10376080 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 It is pertinent to note tha t it is not that the Court will not interfere in dealings between the mortgagor and mortgagee.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 In appropriate circumstances it will but this is not such a case where it will interfere.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 If it does, then as stated in the above passage, it will do so on condition that the mortgagor deposits moneys into Court.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 The affidavit evidence before me is not such as to convince me that the mortgagee has blatantly disregarded the principles governing mortgagees power of sale.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 So many wild allegations have been made without sufficient proof.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 If the defendants as mortgagees are really serious about the allegation they had made then they should have taken concrete steps against the plaintiff and no doubt as is the law at present the Court would have required deposit of the a mount alleged to be due to be deposited in Court.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 There is no offer in the defendants}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 affidavits that they are prepar}{ \lang2057\langfe1033\langnp2057\insrsid10376080 ed to deposit money into court.}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid10376080 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Be that as it may, the mortgagee}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s common law right to possession has been well established as borne out by the judgment of }{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Goff L.J}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 .}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 in }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Western Bank Ltd v Schindler }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 (1977) 1 Ch 1 where it is stated: \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid12015989 {\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 65 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 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}{ \b\lang2057\langfe1033\langnp2057\insrsid12015989 }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 of the mortgaged property.}{\b\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 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\insrsid12015989 }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 ...}{\b\lang2057\langfe1033\langnp2057\insrsid12015989 }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 It has nothing to do with default: See per Harman J. in the Four}{\b\lang2057\langfe1033\langnp2057\insrsid12015989 -}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Maids case where he said, at p.320: \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid10376080 \par }\pard \ql \li1440\ri0\nowidctlpar\faauto\rin0\lin1440\itap0\pararsid12015989 {\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 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\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 64 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid10376080 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 In this case the plaintiff has al so the right to claim possession under clauses 11 to 14 of the said mortgage No. 449589.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 As stated earlier there was an injunction application (being Suva High Court Civil Action No. 58 of 2000) wherein the defendants were unable to produce any prima facie evidence of }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 62 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 unconscionably handling}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 in support of their application for injunction eventuating in the said}{ \lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Consent Order of 16 May 2000.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 The Order in so far as it is relevant is, inter alia, as follows and}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 I agree with Mr. Tikaram, it basically reasserted the status quo under the mortgagee}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s rights: \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \fi-720\li1440\ri0\nowidctlpar\faauto\rin0\lin1440\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 65 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 (vi)\tab That in the event the Plaintiffs failed to comply with any one or more of the said Orders, and the default continues for not less than fourteen days, the Defendant shall be at liberty to exercise all o r any of its rights as mortgagee under mortgage No. 449589 with respect to the property comprised in Housing Authority Lease No. 168235 and described as Lot 31 on Deposited Plan No. 3894.}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 64 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid10376080 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 This aspect of the matter has been succinctly dealt with by }{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Fatiaki J}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 in }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 National Bank of Fliji and Abdul Kadeer Kuddus Hussein }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 (Civil Action No. 0331 of 1994) and I have drawn heavily on the authorities referred to by His Lordship and for ease of reference and completeness, I set out some of them in this judgment. \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid10376080 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 As stated by }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Jayaratne J}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 in }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 A.N.Z. v Shantilal}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 (Civil Action 265 of 1990). \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid10376080 \par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid12015989 {\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 65 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Order 88 of the High Court Rules only deal with actions relating to mortgages.}{\b\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 It gives mortgagees the right to claim possession without being the registered proprietors and with or without foreclosures.}{\b\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 To that extent Order 88 is available to him.}{\b\lang2057\langfe1033\langnp2057\insrsid12015989 }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Nothing can inhibit him from utilising Order 88}{\b\lang2057\langfe1033\langnp2057\insrsid12015989 '}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 . \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid10376080 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid10376080 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Similarly in }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Schindler}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 (supra at p9) }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Buckley L.J. }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 expressed his view on the usefulness and availability of such a remedy as in s.88 thus: \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid12015989 {\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 65 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 A legal mortgagee}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s right to possession is a common law right which is an incident to his estate in the land.}{\b\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 It should not be lightly treated as abrogated or restricted.}{\b\lang2057\langfe1033\langnp2057\insrsid12015989 }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Although it is perhaps most commonly exercised as a preliminary step to an exercise of the mortgagee}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s power of sale, so that the sale may be made with vacant possession, this is not its only value to the mortgagee.}{\b\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 The mortgagee may wish to protect his security ...}{\b\lang2057\langfe1033\langnp2057\insrsid12015989 }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 He might wish to take possession for the purpose of carrying out repairs or to prevent waste.}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 64 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \tab \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Conclusion}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid10376080 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 To summarise, the plaintiff is well within its rights to invoke the provisions}{ \lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 of }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Order 88}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 of }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 The High Court Rules}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 in this case.}{ \lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 I find that after the discontinuance of the said civil action seeking injunction on the gr ounds similar to the ones raised in the present mortgage action, in their affidavit, the defendants entered into the said Consent Order made by }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Shameem J}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 which said Order now they deny having agreed to, a statement which does not seem to have a ring of truth in it. \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid10376080 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 It is abundantly clear that the defendants were never in a position to meet their}{ \lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 obligation under the mortgage and having given the very wide powers which they had to the mortgagee they cannot now complain and attempt to hinder the mortgagee from exercising its rights under the mortgage.}{ \lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 And in this case the facts and circumstances do not warrant the Court}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s interference with the mortgagee}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s rights.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 It was said in }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Cheltenham and Gloucester plc v Krausz and Another }{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 by }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Lord Justice}{\b\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Phillips}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 (}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 The Times Law Reports}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 20.11.96 p.655 at 656 C.A.) that: \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid10376080 \par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid12015989 {\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 65 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 The mortgagee}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 61 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 s right to possession should not be curtailed.}{\b\lang2057\langfe1033\langnp2057\insrsid12015989 }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 That right entitled the mortgagee to exercise its power of sale in the manner it chose and in the confidence that it could offer the purchaser vacant possession.}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 64 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid10376080 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid10376080 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 While on this aspect of the matter I might mention here that as a single Judge}{ \lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 of Court of Appeal in }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Edmund March v Bank of Hawaii, John Howard, Puran Sundarjee & Ors. }{\lang2057\langfe1033\langnp2057\insrsid10376080 (Civil Appeal No. ABU0025.}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 2001), I stated that: \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid12015989 {\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 65 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Had the Appellan t applied for injunction when the property was advertised for sale, the Appellant would have been required in law to deposit the amount due and owing into Court and failure to do that would have meant that the mortgagee would not be restrained from exerci sing his or its power of sale under the mortgage.}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 {\field{\*\fldinst SYMBOL 64 \\f "WP TypographicSymbols" \\s 12}{\fldrslt\f36\fs24}}}{ \b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid10376080 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Here, as already stated, there was an application for injunction but was discontinued and a Consent Order made.}{ \lang2057\langfe1033\langnp2057\insrsid12015989 }{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 The defendants cannot now have two bites at the cherry. \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid10376080 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 In }{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid10376080 Edmund March}{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 (supra) a similar situation with similar allegation arose in the High Court before Byrne J where his Lordship made an order for possession. \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par For these reasons I conclude that the defendants have not convinced me on the facts and authorities that I ought to make an order in their favour.}{\lang2057\langfe1033\langnp2057\insrsid12015989 }{ \lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 The plaintiff therefore succeeds in its application and I grant the orders sought referred to hereabove with costs against the defendant in the sum of $400.00. \par \par }\pard \qc \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid10376080 {\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 D. Pathik \par }{\b\ul\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 Judge}{\b\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid12015989 \par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid12015989 {\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid10376080 \par At Suva \par 8 February 2002}{\lang2057\langfe1033\langnp2057\insrsid16340501\charrsid10376080 \par }}