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{\title IN THE HIGH COURT OF FIJI (AT SUVA)}{\author Amelia Rasovo}{\operator blake_r}{\creatim\yr2004\mo8\dy30\hr14\min1}{\revtim\yr2004\mo8\dy30\hr17\min9}{\version3}{\edmins2}{\nofpages2}{\nofwords630}{\nofchars3593}{\*\company Judicial Department}
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\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 \fs20\lang1033\langfe5129\cgrid\langnp1033\langfenp5129 {\b\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 IN THE HIGH COURT OF FIJI}{
\b\fs24\lang2057\langfe5129\langnp2057\insrsid5464483\charrsid5464483 
\par }{\b\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 (AT SUVA)
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 CIVIL ACTION NO. HBC 323 OF 2001S
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 Between:
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\b\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 NBF ASSET MANAGEMENT BANK
\par }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 Plaintiff
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 and
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\b\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 NAIPOTE VERE
\par }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 First Defendant
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 and
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\b\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 ESITA TAKAYAWA VERE
\par }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 Second Defendant
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
\par T. Seeto for the Plaintiff
\par D.P. Sharma for the Defendants
\par 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\b\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 JUDGMENT
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
\par These are proceedings for possession of land brought by a mortgagee (the Bank) against the mortgagors pursuant to the provisions of Order 88 of the High Court Rules.
\par 
\par In the supporting affidavit filed on 18 July 2001 by Laisenia Takala it was averred that under mortgage 272309 granted over Lot 1 Princes Road, Dilkusha, Nausori, a sum of $52,161.95 was due and that there were repayment arrears of $5,877.35.}{
\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 It was further deposed that on 29 March 2000 the Bank demanded repayment of the sum due but that the 
Defendants had not complied with the demand.
\par 
\par In paragraph 20 of a second affidavit filed on behalf of the Bank on 16 January 2001 Sera Bulavakarua averred that the Bank (presumably in reliance on the terms of the mortgage and Sections 77 and 79 of the Pro
perty Law Act (Cap 130)) had exercised its powers of sale.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
According to Mrs. Bulavakarua the property was advertised for sale on four occasions.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
The highest offer which was received was $30,000 and on 5 January 2000 this offer was accepted.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 Unfortunate
ly the purchaser did not complete.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 The property was 
again advertised and on 16 October 2000 an offer of $28,000 was accepted from Mrs. Tariko Elo (Exhibit C).
\par 
\par In a very lengthy affidavit filed on 25 October 2001 the first Defendant who was then representing himself and his wife, the second Defendant, made a number of allegations against the Bank.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 He claimed that the property was worth much more then the Bank obtained from the sale.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 He also claimed that the Bank had treated him unfairly.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
While admitting being indebted to the Bank the Defendant denied owing the sum claimed.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
In a second affidavit filed on 20 February 2002 the first Defendant queried the \'93lawfulness\'94 of the sale to Mrs. Elo.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
He suggested that the mortgage was subject to the provisions of the Consumer Credit Act 1999.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
He admitted arrears under the mortgage but averred that he had advised the Bank that he would be able to repay the loan in October 2000 when he would become entitled to the full benefit of his FNPF contributions.}{
\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 In these circumstances the Defendant prayed:
\par 
\par }\pard \ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5464483 {\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 \'93that the Court dismiss the Plaintiff\rquote s summons}{
\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 and that the Defendants be allowed to reduce their mortgage with the funds from FNPF and continue monthly payments thereafter.\'94

\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
\par On 25 March 2003 Mr. Seeto filed comprehensive written submissions on behalf of the Bank.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
On 3 April Mr. Sharma who was by now representing the Defendants filed helpful written submission in answer.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
Mr. Seeto replied on 15 July.
\par 
\par In my opinion it is not necessary to deal with all the many arguments raised and countered since I take the view that two primary considerations are in fact determinative of the Defendants\rquote  answer to the Bank\rquote s application.
\par 
\par The first is that the High Court of Fiji has for many years followed and accepted as good l
aw the principle that failing payment into Court of the whole sum owed under the mortgage a mortgagee will not be restrained from exercising its powers under the mortgage (see also }{\fs24\ul\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
Westpac Banking Corporation Limited v. Adi Mahesh Prasad}{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483  (1999) 45 FLR 1).}{\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 In the present case nothing has been paid into Court or has been offered by the Defendants.
\par 
\par Secondly, }{\fs24\ul\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 Property and Bloodstock Limited v. Emerton}{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
 [1968] 1 Ch. 94 is authority for the proposition that a contract of sale entered into by a mortgagee exercising its powers of sale, whether conditional or unconditional, extinguishes the mortgagor\rquote s right of redemption.
\par 
\par In my opinion the Defendants\rquote  former property has been sold.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 There is nothing left to redeem.}{
\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 There are no mortgagees powers left to restrain.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 I agree with Singh J that the Consumer}{\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
Credit Act 1999 has no application to mortgages granted before the commencement date of the Act (see }{\fs24\ul\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 ANZ Bank v. Kumar}{
\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483  HBC 301/02).}{\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
There is no further legal basis on which the Defendants can remain in possession of this property.
\par 
\par The Plaintiff\rquote s application is granted.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5464483  }{\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 There will be an order for possession in 28 days.
\par 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\b\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 M.D. Scott
\par Judge
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5464483 {\fs24\lang2057\langfe5129\langnp2057\insrsid13638479\charrsid5464483 
\par 10 November 2003.
\par }}