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{\author Roselyn}{\operator blake_r}{\creatim\yr2005\mo12\dy17\hr15\min16}{\revtim\yr2005\mo12\dy17\hr15\min16}{\version2}{\edmins0}{\nofpages2}{\nofwords428}{\nofchars2440}{\*\company Judicial Department}{\nofcharsws2863}{\vern16391}}\margb540 
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\f171\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 IN THE HIGH COURT OF FIJI
\par AT SUVA
\par CIVIL JURISDICTION
\par }\pard \s15\qj \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7159954 {\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 
\par }\pard \s15\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7159954 {\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 CIVIL ACTION NO. HBC}{
\f0\lang2057\langfe1033\langnp2057\insrsid7159954\charrsid7159954 0}{\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 540 OF 2003S
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\par }\pard \s15\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7159954 {\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 BETWEEN:}{\f0\lang2057\langfe1033\langnp2057\insrsid7159954\charrsid7159954 
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\par }\pard \s15\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7159954 {\b\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 HOUSING AUTHORITY}{
\b\f0\lang2057\langfe1033\langnp2057\insrsid7159954\charrsid7159954 
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 PLAINTIFF
\par }\pard \s15\qj \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7159954 {\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 
\par }\pard \s15\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7159954 {\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 AND:}{\f0\lang2057\langfe1033\langnp2057\insrsid7159954\charrsid7159954 
\par }\pard \s15\qj \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7159954 {\f0\lang2057\langfe1033\langnp2057\insrsid7159954\charrsid7159954 
\par }\pard \s15\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7159954 {\b\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 FOSTINO VERSONI UFAMARATA and
\par MAKERETA BOSE UFAMARATA}{\b\f0\lang2057\langfe1033\langnp2057\insrsid7159954\charrsid7159954 
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 DEFENDANT
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7159954 {\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 
\par Counsel for the }{\f0\lang2057\langfe1033\langnp2057\insrsid7159954 Plaintiff}{\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 )\tab : Ms B. Devi}{\f0\lang2057\langfe1033\langnp2057\insrsid7159954 : }{
\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 Maharaj Chandra & Assoc.
\par \tab \tab \tab }{\f0\lang2057\langfe1033\langnp2057\insrsid7159954   }{\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 )\tab : I. Vesikula: Housing Authority, Legal Services
\par First Defendant\tab \tab :}{\f0\lang2057\langfe1033\langnp2057\insrsid7159954  In Person}{\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid7159954\charrsid7159954 
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 Date of Extempore Judgment: 16 June, 2004
\par Time of Extempore Judgment: 11.30 a.m.
\par 
\par }\pard \s15\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7159954 {\b\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 EX}{\b\f0\lang2057\langfe1033\langnp2057\insrsid7159954\charrsid7159954  }{
\b\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 TEMPORE JUDGMENT
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\par This is an O.88 application.}{\f0\lang2057\langfe1033\langnp2057\insrsid7159954  }{\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 The Court has already made an Order for vacant possession earlier today.}{
\f0\lang2057\langfe1033\langnp2057\insrsid7159954  }{\f0\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 I now give the reasons.
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\par The Defendants are registered proprietors of the land described as Housing Authority Sub-Lease No. 397148 (Lot 16 on D.P. 7451) upon which they had erected a two bedroom concrete single dwelling house.}{\fs24\lang2057\langfe1033\langnp2057\insrsid7159954 
 }{\fs24\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 The house is a pre-fabricated which the Defendants purchased from Northern Projects Falwood (N.P.F.) through a loan from the Plaintiff.}{
\fs24\lang2057\langfe1033\langnp2057\insrsid7159954  }{\fs24\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 To their dismay, the Defendants found many defects on assemblage.}{\fs24\lang2057\langfe1033\langnp2057\insrsid7159954  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 They persevered and instead of taking the company NPF to task, decided to do the patching-up themselves, with additional funds from the Plaintiff.}{
\fs24\lang2057\langfe1033\langnp2057\insrsid7159954  }{\fs24\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 As of October 1995, the Defendants loan with the Plaintiff stood }{\fs24\lang2057\langfe1033\langnp2057\insrsid7159954 
at $23,069.00 with weekly insta}{\fs24\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 lments of $100.42.}{\fs24\lang2057\langfe1033\langnp2057\insrsid7159954  }{\fs24\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 
According to the Plaintiff, since the Certificate of Completion and Permit to occupy the house was issued on 23 October, 1996, the Defendants have only made five repayments for their loan.}{\fs24\lang2057\langfe1033\langnp2057\insrsid7159954  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 The default in repayments is readily conceded by the Defendants.
\par 
\par The Defendants have gone to a great length to explain to the Court the reasons for their misfortune.}{\fs24\lang2057\langfe1033\langnp2057\insrsid7159954  }{\fs24\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 
It is a story tragically of ill-informed and ill-advised but sincere and hardworking family, who believed in the goodness of everyone around them.}{\fs24\lang2057\langfe1033\langnp2057\insrsid7159954  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 It is quite clear from their evidence, that the company N.P.F., that sold them the house, was legally obliged to ensure that the product they sold was at the very least, liveable.}{
\fs24\lang2057\langfe1033\langnp2057\insrsid7159954  }{\fs24\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 That the company officials were uncompromising when the Defendants approached them about the defects, should have resulted in th}{
\fs24\lang2057\langfe1033\langnp2057\insrsid7159954 e Defendants seeking legal advic}{\fs24\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 e.}{\fs24\lang2057\langfe1033\langnp2057\insrsid7159954  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 This they unfortunately failed to do, to their own downfall.
\par 
\par Pursuant to its powers vested under section 79 of the Property Law Act (Cap 130), and as provided for under paragraph 14 of the mortgage document, the Plaintiff has already entered into an agreement of sale of the property to 3rd Parties.}{
\fs24\lang2057\langfe1033\langnp2057\insrsid7159954  }{\fs24\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 Any right of redemption which would have accrued to the Defendant are now extinct.
\par 
\par In the end, this Court finds that the Plaintiff as mortgagee, has properly exercised its rights to the sale of the Defendants property after the failure of Defendants to repay their loan.
\par 
\par Order is made for the Defendants to vacate the property.}{\fs24\lang2057\langfe1033\langnp2057\insrsid7159954  }{\fs24\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 
Execution is stayed for 2 months to allow the Defendants to find alternative accommodation.
\par 
\par Each party to bear its own costs.
\par 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7159954 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 F. Jitoko
\par }{\b\fs24\ul\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 JUDGE}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid6907319\charrsid7159954 
\par }}