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\f36\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid4220913 IN THE HIGH COURT OF FIJI
\par AT LAUTOKA
\par CIVIL JURISDICTION
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4220913 {\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid4220913 
\par }\pard \s15\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4220913 {\f0\lang2057\langfe1033\langnp2057\insrsid7760116 CIVIL ACTION NO. HBC0}{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 323 OF 2002L}
{\f0\lang2057\langfe1033\langnp2057\insrsid7760116 
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4220913 {\f0\lang2057\langfe1033\langnp2057\insrsid7760116 
\par }\pard \s15\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4220913 {\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid4220913 BETWEEN:}{\f0\lang2057\langfe1033\langnp2057\insrsid7760116\charrsid4220913 
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4220913 {\f0\lang2057\langfe1033\langnp2057\insrsid7760116\charrsid4220913 
\par }\pard \s15\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4220913 {\b\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid4220913 BAL RAM
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 Plaintiff
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4220913 {\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid4220913 
\par }\pard \s15\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4220913 {\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid4220913 AND:}{\f0\lang2057\langfe1033\langnp2057\insrsid7760116\charrsid4220913 
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4220913 {\f0\lang2057\langfe1033\langnp2057\insrsid7760116\charrsid4220913 
\par }\pard \s15\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4220913 {\b\f0\lang2057\langfe1033\langnp2057\insrsid1382200\charrsid4220913 FIJI DEVELOPMENT BANK}{
\b\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid4220913 
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid4220913 Defendant}{\f0\lang2057\langfe1033\langnp2057\insrsid7760116\charrsid4220913 
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4220913 {\f0\lang2057\langfe1033\langnp2057\insrsid7760116\charrsid4220913 
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 Counsel for the Plaintiff: Mr. V. Mishra}{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid4220913 
\par Counsel for the Defendant: No Appearance
\par 
\par Date o}{\f0\lang2057\langfe1033\langnp2057\insrsid1382200\charrsid4220913 f Hearing & Judgment: }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid4220913 6 April 2004}{\f0\lang2057\langfe1033\langnp2057\insrsid7760116\charrsid4220913 
\par 
\par }\pard \s15\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4220913 {\b\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid4220913 EXTEMPORE JUDGMENT}{
\b\f0\lang2057\langfe1033\langnp2057\insrsid7760116\charrsid4220913 
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4220913 {\f0\lang2057\langfe1033\langnp2057\insrsid7760116\charrsid4220913 
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7760116 {\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 This matter comes before the court by way of Originating Summons dated}{
\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 9}{\f0\lang2057\langfe1033\super\langnp2057\insrsid11026384\charrsid7760116 th}{
\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116  October 2002, the plaintiff in which was Bal Ram and the defendant, Fiji Development Bank. By Ex-parte Notice of Motion filed on 30}{
\f0\lang2057\langfe1033\super\langnp2057\insrsid11026384\charrsid7760116 th}{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116  March 2004,}{\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{
\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 Krishna Kumar the son of Bal Ram sought to be substituted as plaintiff and orders were made by the court to that effect.
\par 
\par Krishna Kumar upon being substituted as plaintiff sought to proceed with the Originating Summons.
\par 
\par The plaintiff was the registered proprietor of the land in Certificate of Title}{\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 No. 32606 that land being mortgaged to the defendant.}
{\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 By affidavit sworn on 1}{\f0\lang2057\langfe1033\super\langnp2057\insrsid11026384\charrsid7760116 st}{
\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116  October 2002, the deceased, Bal Ram, deposed that as at the 31}{\f0\lang2057\langfe1033\super\langnp2057\insrsid11026384\charrsid7760116 st}{
\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116  of December 1998, all monies owed by him have been p
aid but that the defendant had neglected, failed or refused to discharge the mortgage over his land and to thus give to him the Certificate of Title No. 32606.
\par 
\par Despite letters having been written by the plaintiff\rquote s solicitors to the defendant, the defendant continued to fail to release the Certificate of Title and discharged the mortgage.
\par 
\par Krishna Kumar gives evidence before the court by way of an affidavit sworn on 30}{\f0\lang2057\langfe1033\super\langnp2057\insrsid11026384\charrsid7760116 th}{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
 March 2004 and also by way of oral evidence.}{\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 It is apparent from that evidence that Ba
l Ram became ill to a degree requiring medical treatment in the Suva Private Hospital or alternatively overseas.}{\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
To facilitate this treatment, significant amounts of money were required, amounts in the order of Thirty Thousand Dollars ($30,000.00) and greater.
\par 
\par Mr. Kumar gives evidence that Bal Ram was suffering from a growth in the lower part of his bladder and there is tendered to the court Exhibit P-4 which describes in some detail the medical condition of Bal Ram as at the date of that report and prior 
thereto.}{\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 That letter is dated 26}{\f0\lang2057\langfe1033\super\langnp2057\insrsid11026384\charrsid7760116 th}{
\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116  October 2003 and is addressed to Peter}{\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
Mc Callum Cancer Institute in Melbourne, Australia where it was hoped Bal Ram would go for further treatment.
\par 
\par Mr Kumar\rquote s evidence is that further treatment did not take place again because of a lack of funds and the inability to raise funds by mortgaging the property owned by Bal Ram.
\par 
\par The evidence is that the defendant ultimately released the Certificate of Title}{\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 No. 32606 in September 2003 and Bal Ram died on 11}{
\f0\lang2057\langfe1033\super\langnp2057\insrsid11026384\charrsid7760116 th}{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116  December 2003.}{\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{
\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
\par 
\par The evidence of Krishna Kumar is that from the time the certificate of title was released Bal Ram was indeed most unwell.}{\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
Other things that would have made his life a little easier were also unable to be undertaken, that is, the installation of a new toilet.}{\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{
\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 He was cared for during his illness by Krishna Kumar and his wife.
\par 
\par Counsel for the plaintiff refers the court to section 72 of the Property Law Act which provides and I quote: -
\par 
\par }\pard \s15\ql \fi-720\li1440\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin1440\itap0\pararsid7760116 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 \'93(1)\tab 
A mortgagor is entitled to redeem the mortgaged property at any time before the same has been actually sold by the mortgagee under his power of sale, on payment of all moneys due and owing under the mortgage at the time of payment.\'94}{
\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
\par }\pard \s15\ql \li0\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin0\itap0\pararsid7760116 {\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7760116 {\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
It is clear from the evidence that the plaintiff, Bal Ram, was entitled to redeem the mortgaged property. He had paid the monies he owed and the defendant had failed for whatever reasons to effect that redemption.
\par 
\par The court is referred to the decision of Gates J. in }{\b\f0\ul\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 Frank R. Eggers Junior v Blue Shield (Pacific) Insurance Ltd. - Civil Action N}{
\b\f0\ul\lang2057\langfe1033\langnp2057\insrsid4220913 o. HBC}{\b\f0\ul\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 0094 of 1997L}{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
 where damages were awarded inter alia by way of general damages for pain and suffering and mental stress and interest.}{\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
In that authority, His Lordship refers to and relies upon the decision of the High Court of Australia in }{\b\f0\ul\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 Baltic Shipping Co. v Dillon [1992-93] 176 C.L.R. 344}{
\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116  and in particular pages 365 and 371.}{\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
His Lordship also relied upon }{\b\f0\ul\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 Mouat v Clark Boyce [1992] 2 N.Z.L.R. 559}{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 .}{
\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 In both of these cases the plaintiffs were awarded an amount by way of damages for mental stress.}{
\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 His Lordship as page 24 of the judgment quotes from Dillon at page 371 where Brennan J said: -
\par 
\par }\pard \s15\ql \li720\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin720\itap0\pararsid7760116 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 \'93
To ascertain whether the obtaining of peace of mind is the object of a contract or, more accurately, an object of a contract, reference is made to its terms, express
 or implied, construed in the context of facts which the parties know or are taken to have been known.}{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
Thus, if peaceful and comfortable accommodation is promised to holiday-makers and the accommodation tendered does not answer the description, there is a 
breach which directly causes the loss of the promised peacefulness and comfort and damages are recoverable accordingly.}{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
In cases of this kind, a statement by the promisor commending a service or facility to be provided under the contract is frequently a term of the contract, not a mere representation.\'94
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7760116 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
In this case, it is not a contract but a statutory obligation cast upon the defendant by virtue of section 72 of the Property Law Act but it would seem to me that that statutory obligation is analogous to th
e contract referred to by Brennan J. in the passage quoted above.
\par 
\par As I have said the original plaintiff, Bal Ram, died on 11}{\f0\lang2057\langfe1033\super\langnp2057\insrsid11026384\charrsid7760116 th}{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
 December 2003 but by virtue of section 2 of the Law Reform (Miscellaneous Provisions) (Death and Interest) Act (Cap. 27), the cause of action survives his death as does the claim for damages.
\par 
\par I find therefore that the plaintiff is entitled to damages.
\par 
\par In}{\b\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116  }{\b\f0\ul\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 Frank R. Eggers Junior v Blue Shield (Pacific) Insurance Ltd,}{
\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116  Gates J. awarded general damages, $10,000.00 for pain and suffering and $20,000.00 for mental stress together with interest at the rate of 6%.}{
\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
In that matter, the plaintiff had a health insurance policy with the defendant and on needing the facility of that policy the defendant was apparently dilatory resulting in the claim for damages being made by the plaintiff.
\par 
\par In }{\b\f0\ul\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 Baltic Shipping Co. v Dillon}{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
 the High Court of Australia awarded the plaintiff $5,000.00 for inconvenience which amount was in addition to awards for the damages for the injuries she sustained.
\par 
\par In the circumstances and with the limited evidence that is before me as to the effect of the failure of the defendant to fulfil its statutory duty.}{\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{
\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 I think that damages of Fifteen Thousand Dollars ($15,000.00) are appropriate.}{\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{
\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
\par 
\par When I refer to the evidence being limited, I don\rquote t do that with any sense of criticism but merely because of the inability of the deceased plaintiff to give evidence to the court of his suffering.}{
\f0\lang2057\langfe1033\langnp2057\insrsid7760116  }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 The plaintiff\rquote s counsel submits that interest should be awarded on the amount of damages and tha
t such interest should be awarded from the date of service of the Originating Summons, with this I agree. It is also submitted an appropriate interest rate would be 6% and with this I agree.
\par 
\par The Orders of the Court therefore will be: -
\par 
\par {\pntext\pard\plain\s15 \lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 \hich\af0\dbch\af0\loch\f0 1.\tab}}\pard \s15\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls47\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxta .}}\aspalpha\aspnum\faauto\ls47\adjustright\rin0\lin1440\itap0\pararsid4220913 {\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 The defendant to p
ay the plaintiff by way of general damages the sum of Fifteen Thousand Dollars ($15,000.00);
\par }\pard \s15\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4220913 {\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
\par {\pntext\pard\plain\s15 \lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 \hich\af0\dbch\af0\loch\f0 2.\tab}}\pard \s15\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls47\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxta .}}\aspalpha\aspnum\faauto\ls47\adjustright\rin0\lin1440\itap0\pararsid4220913 {\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 The defendant to pay the plaintiff\rquote 
s interest on the sum of Fifteen Thousand Dollars ($15,000.00) at the rate of 6% from the 11}{\f0\lang2057\langfe1033\super\langnp2057\insrsid11026384\charrsid7760116 th}{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116  October 2002;

\par }\pard \s15\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4220913 {\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 
\par {\pntext\pard\plain\s15 \lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 \hich\af0\dbch\af0\loch\f0 3.\tab}}\pard \s15\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls47\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxta .}}\aspalpha\aspnum\faauto\ls47\adjustright\rin0\lin1440\itap0\pararsid4220913 {\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 The defendant to pay the plaintiff\rquote 
s costs assessed in the sum of Seven Hundred Dollars ($700.00).
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7760116 {\f0\lang2057\langfe1033\langnp2057\insrsid7760116 
\par }\pard \s15\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4220913 {\b\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid4220913 JOHN CONNORS
\par }{\b\f0\ul\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid4220913 JUDGE}{\b\f0\ul\lang2057\langfe1033\langnp2057\insrsid7760116\charrsid4220913 
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4220913 {\f0\lang2057\langfe1033\langnp2057\insrsid7760116\charrsid4220913 
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid4220913 AT LAUTOKA
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid11026384\charrsid7760116 6 APRIL 2004
\par }}