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\li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\b\lang2057\langfe1033\langnp2057\insrsid4939845 \par }\pard \qc \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 CREDIT CORPORATION (FIJI) LIMITED \par }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Defendant \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845 \par }\pard \qc \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid15745483 INTERLOCUTORY JUDGMENT \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par Judgment of:}{\b\lang2057\langfe1033\langnp2057\insrsid4939845 }{\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Inoke J. \par \par Counsel Appearing}{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 :}{\lang2057\langfe1033\langnp2057\insrsid4939845 }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid8347096 Mr. Haroon A. Shah for the Plaintiff}{ \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid8347096 Mr. Anu Patel for the Defendant \par }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par }{\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Solicitors}{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 :}{\lang2057\langfe1033\langnp2057\insrsid4939845 }{ \b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Haroon }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid8347096 Ali Shah Esq. for the Plaintiff}{\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid8347096 S. B. Patel & Co. for the Defendant \par }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par }{\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Date of Hearing:}{\b\lang2057\langfe1033\langnp2057\insrsid4939845 }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid8347096 25 June 2010}{ \b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par Date of Judgment:}{\b\lang2057\langfe1033\langnp2057\insrsid4939845 }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid8347096 29 June 2010}{\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par \par }{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 INTRODUCTION \par }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \hich\af0\dbch\af0\loch\f0 [1]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid4939845 { \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 This is an application by }{\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Western Wreckers Limited}{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 (}{ \b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Western Wreckers}{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 ) to restrain }{\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Credit Corporation (Fiji) Limited}{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 (}{\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Credit Corp}{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 ) from proceeding with recovery action under 4 mortgages. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \hich\af0\dbch\af0\loch\f0 [2]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid4939845 { \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 The Motion was filed ex-parte on 15 June 2010 but I directed it t o be issued inter-partes because I did not think that a case of urgency or serious mischief or hardship was made out after perusal of the affidavit in support. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \hich\af0\dbch\af0\loch\f0 [3]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid4939845 { \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 The Motion was made returnable on 22 June 2010 on which date I gave leave to Credit Corp to file and serve its affidavit in reply by Thursday 24 June and the matter set down for an early hearing on 25 June at counsels\rquote request.}{\lang2057\langfe1033\langnp2057\insrsid4939845 }{ \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 I am grateful for their cooperation which enabled this matter to be heard and judgment delivered promptly. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \hich\af0\dbch\af0\loch\f0 [4]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid4939845 { \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 As this matter may have some commercially sensitive elements I do not intend to refer to specific amounts and other details other than those necessary for the determination of this application. \par }\pard\plain \s25\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par }{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 THE APPLICATION \par \par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \hich\af0\dbch\af0\loch\f0 [5]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 The Motion was filed pursuant to }{\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 O 29}{ \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 of the }{\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 High Court Rules 1988}{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 and the Court\rquote s inherent jurisdiction and sought to restrain Credit Corp from proceeding with recovery action under 4 mortgages. \par }\pard\plain \s25\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \hich\af0\dbch\af0\loch\f0 [6]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 The relief sought in this application is substantially the same as that sought in the Writ of Summons filed together with the Motion.}{ \lang2057\langfe1033\langnp2057\insrsid4939845 }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Although that does not make this application defective it does make it difficult for the applicant to obtain what it wants in this summary way. \par }\pard\plain \s25\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \hich\af0\dbch\af0\loch\f0 [7]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 The Managing Director of Western Wreckers in his affidavit in support says that the company and Credit Corp have had financial arrangements over several years in which Credit Corp provided financial assistance secured by mortgages from the company.}{ \lang2057\langfe1033\langnp2057\insrsid4939845 }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 It had two loan accounts secured by 4 mortgages.}{\lang2057\langfe1033\langnp2057\insrsid4939845 }{ \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 On 12 January 2010, Credit Corp, at the company\rquote s request, provided settlement figures for the two accounts valid till 29 January 2010.}{\lang2057\langfe1033\langnp2057\insrsid4939845 }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 He says the company does not agreed with the settlement figures because Credit Corp had not given the company certain credits.}{\lang2057\langfe1033\langnp2057\insrsid4939845 }{ \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 The company wrote to Credit Corp on the same day pointing this out and requested a meeting to discuss its accounts. That meeting does not appear to have taken place.}{ \lang2057\langfe1033\langnp2057\insrsid4939845 }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Because of this, he says the company did not make any repayments for February to May.}{\lang2057\langfe1033\langnp2057\insrsid4939845 }{ \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 On 1 June 2010, Credit Corp issued four demand notices for the total principal and interest owing under the loans secured by the four mortgages.}{ \lang2057\langfe1033\langnp2057\insrsid4939845 }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 He says the amounts demanded are over-inflated. Western Wreckers i s a substantial and solvent company but he fears that if Credit Corp advertises for recovery under the mortgages it would jeopardise its financial standing.}{\lang2057\langfe1033\langnp2057\insrsid4939845 }{ \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 The company employs about 300 workers all around Fiji and the value of its assets far exceed the company\rquote s exposure to Credit Corp. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \hich\af0\dbch\af0\loch\f0 [8]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid4939845 { \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 In reply, Credit Corp denies that Western Wreckers is entitled to any credits. \par }\pard\plain \s25\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par }{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 CONSIDERATION OF THE APPLICATION \par \par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \hich\af0\dbch\af0\loch\f0 [9]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 At the hearing, Mr Shah, counsel for Western Wreckers, rightly conceded that his client was not disp uting the validity of the mortgages or Credit Corp\rquote s right to recover under them.}{\lang2057\langfe1033\langnp2057\insrsid4939845 }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 However, his client is disputing the amount allegedly owing. \par }\pard\plain \s25\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \hich\af0\dbch\af0\loch\f0 [10]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Mr Patel, counsel for Credit Corp, cited }{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 NBF Asset Management Bank}{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 v }{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Fatiaki}{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 [2004] FJHC 360; HBC0149.2002 (22 October 2004) and my decisions in }{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Whittaker}{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 v }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 National Bank of Fiji Ltd}{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 [2009] FJHC 180; HBC155.2009L (31 August 2009); }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Whittaker}{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 v }{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 National Bank of Fiji Ltd}{ \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 [2009] FJHC 275; HBC155.2009L (9 December 2009) and }{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Whittaker}{ \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 v }{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 National Bank of Fiji Ltd}{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 [201 0] FJHC 104; HBC155.2009L (7 April 2010) as supporting the proposition that the court will only interfere with a mortgagee\rquote s right of recovery in exceptional circumstances and in cases where it does interfere, the mortgagor is required to pay some money into court. \par }\pard\plain \s25\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \hich\af0\dbch\af0\loch\f0 [11]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Mr Patel also cited the decision of the NSW Court of Appeal}{\cs22\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \chftn {\footnote \pard\plain \s20\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 \fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\cs22\super\insrsid4939845 \chftn }{\insrsid4939845 Handley JA, Young CJ in EQ and Foster AJA.}}}{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 in }{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Westpoint Finance Pty Ltd}{ \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 v }{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Chocolate Factory Apartments Ltd}{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 [2002] NSWCA 287 (2 September 2002) as authority for the proposition that the mortgagor has no right to an interlocutory account: \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par }\pard\plain \s24\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 32 It is important to realise that the present proceedings were proceedings between a mortgagor and a mortgagee. Mortgagors have relatively few rights to proceed against their mortgagee. Once the mortgagee's powers have arisen, the mortgagor is only entitled to restrain the exercise of those powers on very limited grounds. A dispute as to the quantum of the mortgage debt where there is no dispute as to whether there has been a default does not en title a mortgagor to an injunction: }{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Harvey}{\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 v }{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 McWatters}{\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 (1948) 49 SR (NSW) 173. }{\b\lang2057\langfe1033\langnp2057\insrsid4939845 \par }\pard \s24\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par }\pard \s24\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4939845 {\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 33 I should add that there is no right to an interlocutory account, and a mort gagor is not entitled to a partial account. A mortgagor cannot pick out one or more aspects of the accounts between the parties and litigate that alone. The Court of Appeal has decided this on numerous occasions; see eg }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Colin D Young Pty Ltd}{\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 v }{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Commercial & General Acceptance Ltd}{\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 (24 August 1982, unreported, C/A); }{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Kennedy}{ \b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 v }{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 General Credits Ltd}{\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 (1982) 2 BPR 9456 and Adams v Bank of New South Wales [1984] 1 NSWLR 285. }{\b\lang2057\langfe1033\langnp2057\insrsid4939845 \par }\pard \s24\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par }\pard \s24\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4939845 {\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 34 To succeed then, the plaintiff had to show that (a) there is an arguable case; (b) that the balance of convenience favours the grant rather than the refusal of the injunction; and (c) damages are not an adequate remedy. This case concerns (a). }{ \b\lang2057\langfe1033\langnp2057\insrsid4939845 \par }\pard \s24\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par }\pard \s24\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4939845 {\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 35 Accordingly, unless the plaintiff could convince the Court on a prima facie basis that nothing was owing under the mortgage, its application for an interlocutory injunction had to be dismissed. }{\b\lang2057\langfe1033\langnp2057\insrsid4939845 \par }\pard \s24\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par }\pard \s24\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4939845 {\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 36 Thus the question before the Judge and before us was whether the plaintiff had shown an arguable case as at the date of filing of the}{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 }{ \b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 summons that no money was owing under the mortgage. \par }\pard\plain \s25\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \hich\af0\dbch\af0\loch\f0 [12]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 He submitted that Western Wreckers did not dispute that a substantial part of the demand was owing and in fact did admi t that such a substantial sum was owing, so I should order that this sum be paid directly to his client or, alternatively, that it be paid into court as a condition to the grant of any restraint against his client. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \hich\af0\dbch\af0\loch\f0 [13]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid4939845 { \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 I accept counsel\rquote s submission that Western Wreckers has not shown special circumstances of the type justifying this Court restraining Credit Corp from proceeding with recovery under its mortgages.}{\lang2057\langfe1033\langnp2057\insrsid4939845 }{ \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 The cases cited above by him are clear authorities supporting his submission.}{\lang2057\langfe1033\langnp2057\insrsid4939845 }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 I therefore refuse to make any orders restraining Credit Corp from proceeding with recovery action under its mortgages. \par }\pard\plain \s25\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \hich\af0\dbch\af0\loch\f0 [14]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 It follows then that the question of payment into court does not arise.}{\lang2057\langfe1033\langnp2057\insrsid4939845 }{ \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Secondly, it is true that on the affidavit material Western Wreckers admit owing a sum of money to Credit Corp but all that has happened so far is that a demand has been issued.}{ \lang2057\langfe1033\langnp2057\insrsid4939845 }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 There is no cross application by Credit Corp for summary judgment or payment to them.}{\lang2057\langfe1033\langnp2057\insrsid4939845 }{ \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Thirdly, Mr Shah submitted that his client has assets to liquidate and pay off the debt and all they need is time to do it.}{\lang2057\langfe1033\langnp2057\insrsid4939845 }{ \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 At the end of the day, all he is asking for is that justice be done.}{\lang2057\langfe1033\langnp2057\insrsid4939845 }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 In these circumstances I will therefore not order that Western Wreckers pay any money either into court or directly to Credit Corp. \par }\pard\plain \s25\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par }{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 COSTS \par \par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \hich\af0\dbch\af0\loch\f0 [15]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid4939845 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 The Plaintiff having lost his application should pay the Defendant\rquote s costs which I summarily assess as $800, to be paid within 28 days. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par }{\b\ul\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 ORDERS \par }{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \hich\af0\dbch\af0\loch\f0 [16]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid4939845 { \lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 The }{\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Orders}{\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 are therefore as follows: \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4939845 {\b\lang2057\langfe1033\langnp2057\insrsid4939845 a. }{\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 The Plaintiff\rquote s application by motion filed on 15 June 2010 for interim orders restraining the Defendant from proceeding with recovery action under its mortgages is refused and dismissed. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4939845 {\b\lang2057\langfe1033\langnp2057\insrsid4939845 b. }{\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 The Plaintiff shall pay the Defendant\rquote s costs of this application of $800 within 28 days. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 \par }\pard \qc \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4939845 {\b\lang2057\langfe1033\langnp2057\insrsid4939845\charrsid4939845 Sosefo Inoke \par Judge}{\lang2057\langfe1033\langnp2057\insrsid1972231\charrsid4939845 \par }}