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\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b\lang2057\langfe1033\langnp2057\insrsid9530711\charrsid8597726 IN THE HIGH COURT OF FIJI
\par AT SUVA
\par CIVIL JURISDICTION
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\b\lang2057\langfe1033\langnp2057\insrsid9530711\charrsid8597726 
\par }\pard \qc \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid9530711\charrsid8597726 CIVIL ACTION HBC NO. 283 OF 2006
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\par }\pard \qc \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid9530711\charrsid8597726 BETWEEN:}{\lang2057\langfe1033\langnp2057\insrsid8597726\charrsid8597726 
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\par }\pard \qc \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\b\lang2057\langfe1033\langnp2057\insrsid9530711\charrsid8597726 HOUSING AUTHORITY}{\b\lang2057\langfe1033\langnp2057\insrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid9530711\charrsid8597726 PLAINTIFF
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\par }{\lang2057\langfe1033\langnp2057\insrsid9530711\charrsid8597726 DEFENDANT
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\par }{\lang2057\langfe1033\langnp2057\insrsid9530711\charrsid8597726 THIRD PARTY
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\par Ms S Narayan for the Plaintiff
\par Mr A Vakaloloma for the Defendant
\par Mr M Nand for the Third Party
\par 
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\par }{\lang2057\langfe1033\langnp2057\insrsid9530711\charrsid8597726 These proceedings were commenced by Originating Summons dated 28 June 2006.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid9530711\charrsid8597726 
The substantive orders sought by the Plaintiff are:}{\lang2057\langfe1033\langnp2057\insrsid4602542\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid9530711\charrsid8597726 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid9530711\charrsid8597726 a.}{
\b\i\lang2057\langfe1033\langnp2057\insrsid4927874  }{\b\i\lang2057\langfe1033\langnp2057\insrsid9530711\charrsid8597726 That the Defendant deliver to the Plaintiff vacant possession of all that piece or parcel of land situated in the District of Suva 
\'85 comprised and described in lease No. 168309 being lot 42 on DP 372
0 located Nairai Road Raiwai together with all improvements thereon as charged by the Defendant to the Plaintiff by Mortgage No. 272970 dated 27 day of April 1989 to secure the money therein mentioned.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid9530711\charrsid8597726 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid9530711\charrsid8597726 b.}{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874  }{
\b\i\lang2057\langfe1033\langnp2057\insrsid9530711\charrsid8597726 That the Defendant their servants, agents or employees be restrained from interfering with the improvements on the said property in any way so as to de}{
\b\i\lang2057\langfe1033\langnp2057\insrsid10247097\charrsid8597726 p}{\b\i\lang2057\langfe1033\langnp2057\insrsid9530711\charrsid8597726 lete its value.}{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{
\b\i\lang2057\langfe1033\langnp2057\insrsid9530711\charrsid8597726 
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\par The}{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726  affidavit in support sworn by Jagdish Prasad on 28 June 2006 indicates that}{\lang2057\langfe1033\langnp2057\insrsid1781061\charrsid8597726 
 the Plaintiff as mortgagee is seeking an order for vacant possession of land mortgaged to it as a result of default by the Defendant in making payments due under }{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 a mortgage agreement}{
\lang2057\langfe1033\langnp2057\insrsid1781061\charrsid8597726 .
\par 
\par The Defendant is the registered proprietor of the property described in Lease No. 168309 situated in Nairai Road Raiwai (the property).}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid1781061\charrsid8597726 
Erected on the property is a concrete dwelling in which the Defendant is apparently presently residing.
\par 
\par By mortgage number 272970 made between the Plaintiff and the Defendant on 27 April 1989 the property }{\lang2057\langfe1033\langnp2057\insrsid7303109\charrsid8597726 
was charged to secure repayment to the Plaintiff of all advances, charges, interest and other lending accommodation made by the Plaintiff to the Defendant from time to time on terms and conditions stated in the mortgage.}{
\lang2057\langfe1033\langnp2057\insrsid1781061\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid7303109\charrsid8597726 
\par As at 31 May 2006 the amount owing to the Plaintiff, deposed to by Jagdish Prasad}{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 ,}{\lang2057\langfe1033\langnp2057\insrsid3425018\charrsid8597726 
 was $17061.43 and is increasing on a daily basis.}{\lang2057\langfe1033\langnp2057\insrsid7303109\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid3425018\charrsid8597726 
\par The Defendant has not paid the amount due and the Plaintiff has effected a mortgagee sale.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid3425018\charrsid8597726 The Plaintiff is required to give vacant possessi
on of the property.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid3425018\charrsid8597726 The Plaintiff served on the Defendant a Notice to Quit dated 14 December 2005.
\par 
\par The Plaintiff\rquote s application is brought under Order 88 of the High Court Rules.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid3425018\charrsid8597726 These Rules set out the circumstances in which a }{
\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 m}{\lang2057\langfe1033\langnp2057\insrsid3425018\charrsid8597726 ortgagor may be required to deliver possession of his mortgaged property to a }{
\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 m}{\lang2057\langfe1033\langnp2057\insrsid3425018\charrsid8597726 ortgagee when he has defaulted in payments due under the Mortgage.
\par 
\par In this case I am satisfied that the Plaintiff has complied with Order 88 and in doing so I accept the Plaintiff\rquote s written submissions dated 22 December 2008 and the oral submissions made before me at the hearing of the application.}{
\lang2057\langfe1033\langnp2057\insrsid3425018 
\par }{\lang2057\langfe1033\langnp2057\insrsid15074127\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid9584844\charrsid8597726 It follows that the Plaintiff is entitled to obtain possession of the mortgaged property from the Defendant.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid9584844\charrsid8597726 The position is clearly stated in paragraph 725 }{\b\i\ul\lang2057\langfe1033\langnp2057\insrsid9584844\charrsid8597726 Halsbury\rquote s Laws of England}{
\lang2057\langfe1033\langnp2057\insrsid9584844\charrsid8597726  (4th Edition Volume 32):}{\lang2057\langfe1033\langnp2057\insrsid3425018\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid9584844\charrsid8597726 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid9584844\charrsid8597726 
The mortgagee will not be restrained from exercising his power of sale because the amount due is in dispute, 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\i\lang2057\langfe1033\langnp2057\insrsid8597726  }{\b\i\lang2057\langfe1033\langnp2057\insrsid9584844\charrsid8597726 He will be restrained, however, if the mortgagor pays the amount claimed into court \'85.}{
\b\i\lang2057\langfe1033\langnp2057\insrsid8597726  }{\b\i\lang2057\langfe1033\langnp2057\insrsid9584844\charrsid8597726 The mortgagee will also be restrained if,}{\b\i\lang2057\langfe1033\langnp2057\insrsid15928530\charrsid8597726  upon a subsequent }{
\b\i\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 encumbrancer}{\b\i\lang2057\langfe1033\langnp2057\insrsid15928530\charrsid8597726  offering to pay off the first mortgage, the mortgagee denies his title to redeem.}{
\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid9584844\charrsid8597726 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid8716446\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid15928530\charrsid8597726 The contractual right to bring an action for possession and the power of sale are both set out in clause 14 of the Mortgage.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid15928530\charrsid8597726 That clause states:
\par 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874\charrsid8597726 14}{
\b\i\lang2057\langfe1033\langnp2057\insrsid4927874  That}{\b\i\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726  the power of sale and all other power conf}{\b\i\lang2057\langfe1033\langnp2057\insrsid9963140\charrsid8597726 err}{
\b\i\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 ed on a mortgagee by the Property Law Act may be exercised by the mortgagee immediately upon or at any time after default of any of the moneys hereby secured \'85..}{
\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid15928530\charrsid8597726 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid8716446\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid15928530\charrsid8597726 This Court has long held the view that failing payment into Cou
rt of the amount sworn by the Mortgagee as due and owing under the Mortgage, no restraint should be placed on the exercise of the Mortgagee\rquote s powers of sale under the mortgage (see }{
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid15928530\charrsid8597726 Westpac Banking Corporation Ltd \endash v- Adi Mahesh Prasad (1999) 45 FLR 1}{\lang2057\langfe1033\langnp2057\insrsid15928530\charrsid8597726 ; }{
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid15928530\charrsid8597726 NBF Asset Management Bank \endash v- Kolinio Bulivakanua and Selina Mau Bulibakarua}{\lang2057\langfe1033\langnp2057\insrsid15928530\charrsid8597726 
 Civil Action No. 97 of 1999 unreported decision of Byrne J (as}{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726  he}{\lang2057\langfe1033\langnp2057\insrsid15928530\charrsid8597726  then was) delivered on 30 November 1999; }{
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid15928530\charrsid8597726 NBF Asset Management Bank \endash v- Donald Thomas Pickering and Eileen Pickering}{\lang2057\langfe1033\langnp2057\insrsid15928530\charrsid8597726  Civil Action No. 170 of 1999}{
\lang2057\langfe1033\langnp2057\insrsid15086815\charrsid8597726  unreported decision of Byrne J (as he then was) delivered on 19 May 2000 and }{\b\i\ul\lang2057\langfe1033\langnp2057\insrsid15086815\charrsid8597726 NBF Asset Management Bank \endash 
v- Naipote Vere and Another}{\lang2057\langfe1033\langnp2057\insrsid15086815\charrsid8597726  Civil Action No. 323 of 2001 delivered 10 November 2003 unreported per Scott J).}{\lang2057\langfe1033\langnp2057\insrsid15928530\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid1461639\charrsid8597726 
\par At the hearing before me Counsel for the Defendant indicated that the facts upon which the Plaintiff relied were not disputed.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid1461639\charrsid8597726 
This would appear to explain why there was no answering affidavit filed by the Defendant in response to the Plaintiff\rquote s affidavit.
\par }{\lang2057\langfe1033\langnp2057\insrsid8716446\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid1461639\charrsid8597726 At this stage of the proceeding}{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 s}{\lang2057\langfe1033\langnp2057\insrsid1461639\charrsid8597726 
 the Plaintiff would ordinarily be entitled }{\lang2057\langfe1033\langnp2057\insrsid12021207\charrsid8597726 to the relief claimed in its }{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 O}{
\lang2057\langfe1033\langnp2057\insrsid12021207\charrsid8597726 riginating }{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 S}{\lang2057\langfe1033\langnp2057\insrsid12021207\charrsid8597726 ummons.}{
\lang2057\langfe1033\langnp2057\insrsid1461639\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid12021207\charrsid8597726 
\par However the Defendant subsequently filed and served a Third Party Notice.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid12021207\charrsid8597726 It is necessary now to make some comments about the manner in whic
h the }{\lang2057\langfe1033\langnp2057\insrsid5899044\charrsid8597726 third party proceedings were commenced.}{\lang2057\langfe1033\langnp2057\insrsid12021207\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid5899044\charrsid8597726 
\par It would appear from a perusal of the Court file that Counsel for the Defendant made an oral application to the Judge in Chambers on 16 July 2008 that the Fiji Development Bank be added as a party.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid5899044\charrsid8597726 There being no objection by Counsel for the Plaintiff, the Judge granted leave to the Defendant to issue a Third Party Notice.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid5899044\charrsid8597726 The Third Party Notice was filed on 1 August 2008 and subsequently served on 4 August 2008.
\par 
\par Order 16 Rule 1 (2) of the High Court Rules states:
\par 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid5899044\charrsid8597726 
A defendant to an action may not issue a third party notice without the leave of the Court unless }{\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 his}{\b\i\lang2057\langfe1033\langnp2057\insrsid5899044\charrsid8597726  }{
\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 action was begun by writ and he issues the notice before serving his defence on the Plaintiff}{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{
\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 .}{\b\i\lang2057\langfe1033\langnp2057\insrsid5899044\charrsid8597726 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 
\par The proceedings in the present case were begun by Originating Summons.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 
As a result the Defendant was required to obtain the leave of the Court.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 
The procedure for obtaining the leave of the Court to issue a third party notice is set out in Order 16 Rule 2 which states:
\par 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 (1)}{
\b\i\lang2057\langfe1033\langnp2057\insrsid4927874  }{\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 Application for leave to issue a third party notice may be made ex parte but the Court may direct a summons for leave to be issued.

\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 (2)}{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874  }{
\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 An application for leave to issue a third party notice must be supported by an affidavit stating:
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 
\par {\listtext\pard\plain\b\i\lang2057\langfe1033\dbch\af0\langfenp1033\insrsid15810487\charrsid8597726 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin1440\itap0\pararsid8597726 {
\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 the nature of the claim made by the Plaintiff in the action;
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 
\par {\listtext\pard\plain\b\i\lang2057\langfe1033\dbch\af0\langfenp1033\insrsid15810487\charrsid8597726 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin1440\itap0\pararsid8597726 {
\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 the stage which proceedings in the action have reached;
\par }\pard\plain \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15074127 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 
\par {\listtext\pard\plain\b\i\lang2057\langfe1033\dbch\af0\langfenp1033\insrsid15810487\charrsid8597726 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard\plain \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin1440\itap0\pararsid8597726 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 the nature of the claim made by the applicant or particulars of the question or issue required to be determined, as the case may 
be, and the facts on which the proposed third party notice is based; and
\par }\pard\plain \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15074127 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 
\par {\listtext\pard\plain\b\i\lang2057\langfe1033\dbch\af0\langfenp1033\insrsid15810487\charrsid8597726 \hich\af0\dbch\af0\loch\f0 (d)\tab}}\pard\plain \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin1440\itap0\pararsid8597726 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 the name and address of the person against whom the third party notice is to be issued}{
\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 .
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 
\par It is no doubt appropriate for the Court to proceed by way of summons inter partes where the basis of the Defendant\rquote s application is Order 16 Rule 1 (1}{\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 ) (}{
\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 c) namely where the Defendant:
\par 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 
requires that any question or issues relating to or connected with the original subject-matter of the action should be determined}{\b\i\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726  not only as between the Pla
intiff and the Defendant but also as between either or both of them and a person not already a party to the action}{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 .}{
\b\i\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid8716446\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726 In view of these provisions it is unfortunate that the order was made in the manner }{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 that I have}{
\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726  described.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726 It is clear that there should h
ave been a formal application, initially ex parte, supported by an affidavit setting out the matters specified in the Rule.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726 
The application should then have proceeded inter partes.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726 In this case there appears to have been only an oral application unsupporte
d by any affidavit material.
\par 
\par As a result, at the time when the third party notice was filed and served, no affidavit material of any description had been filed by the Defendant.
\par 
\par The Court has a discretion under Order 16 Rule 2 in all cases whether or not to allow the Defendant to issue a third party notice.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726 
Usually, if a prima facie case is established which would bring the matter within any paragraph of Rule 1 (1) leave will be granted to issue the notice and the Court will not in granting leave consider the merits of the claim (see }{
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726 The Supreme Court Practice 1991}{\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726  Volume 1 paragraph 16/2/3).
\par 
\par Without the benefit of an affidavit }{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 filed by the Defendant }{\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726 
in support of its application it is difficult to conclude that there has been a proper exercise of the Court\rquote s discretion under Order 16 Rule 2.
\par }{\lang2057\langfe1033\langnp2057\insrsid8716446\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726 There is a further problem in rel}{\lang2057\langfe1033\langnp2057\insrsid2176662\charrsid8597726 a}{\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726 
tion to these Third Party proceedings.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726 In }{\b\i\ul\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726 The Supreme Court Practice}
{\b\i\ul\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726  1991}{\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726  (supra at paragraph 16/2/2) it is sta}{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 t}{
\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726 ed that the application (for leave) cannot be made by a Defendant until after notice of intention to defend has been given.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726 By way of obiter, Pain J dealt with the consequences of this requirement in }{\b\i\ul\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726 Osea \endash v- Tuqovu}{
\lang2057\langfe1033\langnp2057\insrsid3827990\charrsid8597726  (1996) 42 FLR 259 when he noted:
\par 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid14225669\charrsid8597726 In te
rms of the rule (O16R1) a }{\b\i\lang2057\langfe1033\langnp2057\insrsid2176662\charrsid8597726 third party notice can only be issued by a defendant who has given notice of intention to defend.}{\b\i\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\b\i\lang2057\langfe1033\langnp2057\insrsid2176662\charrsid8597726 A notice of intention to defend is a specific pleading defined in Order 1 }{\b\i\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 R}{
\b\i\lang2057\langfe1033\langnp2057\insrsid2176662\charrsid8597726 ule 2 as containing an acknowledgment of service and statement that the defendant intends to contest the proceedings.}{\b\i\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\b\i\lang2057\langfe1033\langnp2057\insrsid2176662\charrsid8597726 In terms of Order 12 (Rule 8) it is required to be given in an action begun by \'85 originating summons.}{\b\i\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\b\i\lang2057\langfe1033\langnp2057\insrsid2176662\charrsid8597726 It has a prescribed form to be found in form 2 of Appendix 1 to the Rules.}{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{
\b\i\lang2057\langfe1033\langnp2057\insrsid15810487\charrsid8597726 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid2176662\charrsid8597726 
\par In the present case there is no }{\lang2057\langfe1033\langnp2057\insrsid9963140\charrsid8597726 notice of intention to defend (acknowledgment of service) }{\lang2057\langfe1033\langnp2057\insrsid2176662\charrsid8597726 
on the court file and I can only assume that no such document was ever filed or served}{\lang2057\langfe1033\langnp2057\insrsid9963140\charrsid8597726  on the Plaintiff by the Defendant}{\lang2057\langfe1033\langnp2057\insrsid2176662\charrsid8597726 .}{
\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid2176662\charrsid8597726 Therefore the oral application itself should not have been entertained for that reason alone.
\par 
\par In addition, there has been a failure to comply with the requirements of Order 16 Rule 4 that the Defendant issue a summons seeking the Court\rquote s direction as to the future conduct of the proceedings to be followed by the Third Party.
\par }{\lang2057\langfe1033\langnp2057\insrsid9963140\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid2176662\charrsid8597726 Regrettably none of the parties}{\lang2057\langfe1033\langnp2057\insrsid816843\charrsid8597726  appear}{\lang2057\langfe1033\langnp2057\insrsid9963140\charrsid8597726 s}{
\lang2057\langfe1033\langnp2057\insrsid816843\charrsid8597726  at any stage of the proceedings to have raised any of these issues of non-compliance with the Court Rules with the Judge.}{\lang2057\langfe1033\langnp2057\insrsid2176662\charrsid8597726 

\par }{\lang2057\langfe1033\langnp2057\insrsid816843\charrsid8597726 
\par To add to the somewhat unusual nature of the proceeding}{\lang2057\langfe1033\langnp2057\insrsid9963140\charrsid8597726 s}{\lang2057\langfe1033\langnp2057\insrsid816843\charrsid8597726 , the Third Party\rquote 
s Business Manager Choice Home Loans, Jone Niumataiwalu, swore an affidavit on 4 September 2008 purporting to respond to the matters pleaded by the Defendant in his Third Party Notice.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid816843\charrsid8597726 Since there was no affidavit at that time filed by the Defendant}{\lang2057\langfe1033\langnp2057\insrsid7942379\charrsid8597726  puttin
g forward evidence upon which he might be said to be relying and considering the provisions of Order 16 Rule 3, the filing of such an affidavit }{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 by the Third Party }{
\lang2057\langfe1033\langnp2057\insrsid7942379\charrsid8597726 was both unnecessary and inappropriate. Having filed an Acknowledgement of Service on 18 August 2008, the appropriate course of action was for the Third Party to file and serve its Defence.}{
\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid7942379\charrsid8597726 To date that has not been done.}{\lang2057\langfe1033\langnp2057\insrsid816843\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid7942379\charrsid8597726 
\par The above narrative represents either an inability }{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 and/}{\lang2057\langfe1033\langnp2057\insrsid7942379\charrsid8597726 
or an unwillingness on the part of the legal practitioners involved in these proceedings to understand and}{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 /or}{\lang2057\langfe1033\langnp2057\insrsid7942379\charrsid8597726 
 apply the Rules of the Court.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid7942379\charrsid8597726 
In such circumstances it is invariably the parties who are disadvantaged by either unnecessary delay, increased costs or a denial of a fair hearing before the Court.
\par 
\par In respect of the third party proceedings further affidavits were filed and then the parties filed written submissions.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid7942379\charrsid8597726 
On 1 April 2009 the parties appeared before the Judge for mention.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid7942379\charrsid8597726 
Despite all these irregularities the matter was listed for argument on 22 May 2009}{\lang2057\langfe1033\langnp2057\insrsid5003670\charrsid8597726 .}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid5003670\charrsid8597726 However that date was vacated and the matter came before me }{\lang2057\langfe1033\langnp2057\insrsid9963140\charrsid8597726 initially for mention and then }{
\lang2057\langfe1033\langnp2057\insrsid5003670\charrsid8597726 for oral submissions on 9 February 2010.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid5003670\charrsid8597726 
It became necessary for the parties to file further affidavit material and the matter was relisted for further submissions on 25 March 2010.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid5003670\charrsid8597726 
I also allowed the matter }{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 to }{\lang2057\langfe1033\langnp2057\insrsid5003670\charrsid8597726 proceed.}{\lang2057\langfe1033\langnp2057\insrsid7942379\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid5003670\charrsid8597726 
\par The Third Party Notice }{\lang2057\langfe1033\langnp2057\insrsid9963140\charrsid8597726 filed}{\lang2057\langfe1033\langnp2057\insrsid5003670\charrsid8597726  by the Defendant states:
\par 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\ul\lang2057\langfe1033\langnp2057\insrsid1142432\charrsid8597726 Take Notice}{
\b\i\lang2057\langfe1033\langnp2057\insrsid1142432\charrsid8597726  that this action has been brought by the Plaintiff against the Defendant.}{\b\i\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\b\i\lang2057\langfe1033\langnp2057\insrsid1142432\charrsid8597726 In it the Plaintiff claims against the Defendant the sum of $21,381.04 as amount owed to the Plaintiff.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid9963140\charrsid8597726 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid1142432\charrsid8597726 The Defendant}{\b\i\lang2057\langfe1033\langnp2057\insrsid6827790\charrsid8597726 
 claims against you to }{\b\i\lang2057\langfe1033\langnp2057\insrsid9963140\charrsid8597726 b}{\b\i\lang2057\langfe1033\langnp2057\insrsid6827790\charrsid8597726 e indemnified against the Plaintiff\rquote 
s claim and the cost of this action or contribution to the action to the extent as the court may determine of the Plaintiff\rquote s claim on the ground that:
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid6827790\charrsid8597726 
\par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8597726 {\b\i\ul\lang2057\langfe1033\langnp2057\insrsid6827790\charrsid8597726 1.}{\b\i\ul\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid6827790\charrsid8597726 That}{\b\i\lang2057\langfe1033\langnp2057\insrsid6827790\charrsid8597726 
 the Respondent had sought assistance with the Fiji Development through its Home Loan Program, seeking Bank loan to refinance his housing loan after being notified and claim by the Plaintiff for the payment of arrears.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid6827790\charrsid8597726 
\par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8597726 {\b\i\ul\lang2057\langfe1033\langnp2057\insrsid6827790\charrsid8597726 2.}{\b\i\ul\lang2057\langfe1033\langnp2057\insrsid4927874  }{
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid6827790\charrsid8597726 That}{\b\i\lang2057\langfe1033\langnp2057\insrsid13836079\charrsid8597726 
 the Respondent was notified by the Bank of the approval of his loan letter dated 22 February 2007 in which they (the Bank) have approved $21,000.00 to refinance}{\b\i\lang2057\langfe1033\langnp2057\insrsid15344030\charrsid8597726 
 Home Loan Debt with Housing Authority.}{\b\i\lang2057\langfe1033\langnp2057\insrsid6827790\charrsid8597726 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid15344030\charrsid8597726 
\par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8597726 {\b\i\ul\lang2057\langfe1033\langnp2057\insrsid15344030\charrsid8597726 3.}{\b\i\ul\lang2057\langfe1033\langnp2057\insrsid4927874  }{
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid15344030\charrsid8597726 That}{\b\i\lang2057\langfe1033\langnp2057\insrsid15344030\charrsid8597726 
 the Respondent in the process of his application paid $70.00 application fees paid vide Receipt No. 1044933 on 20 }{\b\i\lang2057\langfe1033\langnp2057\insrsid11946262\charrsid8597726 February 2007.}{
\b\i\lang2057\langfe1033\langnp2057\insrsid15344030\charrsid8597726 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid11946262\charrsid8597726 
\par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8597726 {\b\i\ul\lang2057\langfe1033\langnp2057\insrsid11946262\charrsid8597726 4.}{\b\i\ul\lang2057\langfe1033\langnp2057\insrsid4927874  }{
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid11946262\charrsid8597726 That}{\b\i\lang2057\langfe1033\langnp2057\insrsid11946262\charrsid8597726  in regards to the contract of the Agreement the Defendant expected an
d trusted that the Fiji Development Bank should have settled the Housing Authority Debt.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid11946262\charrsid8597726 
\par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8597726 {\b\i\ul\lang2057\langfe1033\langnp2057\insrsid11946262\charrsid8597726 Whereof}{\b\i\lang2057\langfe1033\langnp2057\insrsid11946262\charrsid8597726 
 the Defendant claims against you the following relief:
\par }\pard \ql \li1980\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1980\itap0\pararsid10841544 {\b\i\lang2057\langfe1033\langnp2057\insrsid11946262\charrsid8597726 
\par {\listtext\pard\plain\b\i\lang2057\langfe1033\dbch\af0\langfenp1033\insrsid8597726 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \ql \li1980\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls9\adjustright\rin0\lin1980\itap0\pararsid10841544 {
\b\i\lang2057\langfe1033\langnp2057\insrsid8597726  }{\b\i\lang2057\langfe1033\langnp2057\insrsid11946262\charrsid8597726 settlement of arrears claimed by the Plaintiff;
\par }\pard \ql \li1980\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1980\itap0\pararsid10841544 {\b\i\lang2057\langfe1033\langnp2057\insrsid15299351\charrsid8597726 
\par {\listtext\pard\plain\b\i\lang2057\langfe1033\dbch\af0\langfenp1033\insrsid4927874 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ql \li1980\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls9\adjustright\rin0\lin1980\itap0\pararsid10841544 {
\b\i\lang2057\langfe1033\langnp2057\insrsid4927874  }{\b\i\lang2057\langfe1033\langnp2057\insrsid11946262\charrsid8597726 To be indemnified against any interest accumulated over time due to the delay of agreed settlement including costs;
\par }\pard \ql \li1980\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1980\itap0\pararsid10841544 {\b\i\lang2057\langfe1033\langnp2057\insrsid15299351\charrsid8597726 
\par {\listtext\pard\plain\b\i\lang2057\langfe1033\dbch\af0\langfenp1033\insrsid4927874 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \ql \li1980\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls9\adjustright\rin0\lin1980\itap0\pararsid10841544 {
\b\i\lang2057\langfe1033\langnp2057\insrsid4927874  }{\b\i\lang2057\langfe1033\langnp2057\insrsid11946262\charrsid8597726 Costs}{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid15299351\charrsid8597726 .}{
\b\i\lang2057\langfe1033\langnp2057\insrsid11946262\charrsid8597726 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid15299351\charrsid8597726 
\par The Notice is }{\lang2057\langfe1033\langnp2057\insrsid9963140\charrsid8597726 inaccurate and lacks particulars}{\lang2057\langfe1033\langnp2057\insrsid15299351\charrsid8597726 .}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid15299351\charrsid8597726 The Plaintiff is not claiming $21,381.04 against the Defendant.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid15299351\charrsid8597726 
The Plaintiff claims possession of the property to enable the mortgagee\rquote s sale to be effected.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid15299351\charrsid8597726 
The only way in which the claim for possession may be defeated is by a payment into court of the whole amount claimed to be owing under the mortgage }{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 as }{
\lang2057\langfe1033\langnp2057\insrsid15299351\charrsid8597726 at the }{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 date stated in}{\lang2057\langfe1033\langnp2057\insrsid15299351\charrsid8597726  the affidavit in support.}{
\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid16651370\charrsid8597726 The amount owing under the mortgage was $17,061.43 as at 31 May 2006 according to the affidavit filed in support of the Originating Summons.}
{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid16651370\charrsid8597726 There was no other affidavit material filed as at the date of the Third Party Notice and
 it is not clear how the Defendant asserts that the Plaintiff was claiming $21,381.04.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid16651370\charrsid8597726 In any event there has been no payment into court.}{
\lang2057\langfe1033\langnp2057\insrsid15299351\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid16651370\charrsid8597726 
\par There are no particulars provided in paragraph 1 and there are insufficient particulars provided in paragraphs 2 and 3.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid16651370\charrsid8597726 
There are no particulars provided in paragraph 4 as to the bases of the expectation and trust of the Defendant.
\par 
\par The Defendant is claiming to be indemnified by the Third Party in respect of the financial }{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 loss }{\lang2057\langfe1033\langnp2057\insrsid16651370\charrsid8597726 
incurred by the Defendant as a result of the}{\lang2057\langfe1033\langnp2057\insrsid9963140\charrsid8597726  alleged}{\lang2057\langfe1033\langnp2057\insrsid16651370\charrsid8597726 
 failure by the Third Party to perform its obligations under a loan agreement made between the Defendant and }{\lang2057\langfe1033\langnp2057\insrsid4206567\charrsid8597726 the }{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 T}{
\lang2057\langfe1033\langnp2057\insrsid4206567\charrsid8597726 hird }{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 P}{\lang2057\langfe1033\langnp2057\insrsid4206567\charrsid8597726 arty.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }
{\lang2057\langfe1033\langnp2057\insrsid4206567\charrsid8597726 The financial loss that the Defendant claims against the Third Party is the amount of the arrears that the Plaintiff claimed were }{
\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 owing}{\lang2057\langfe1033\langnp2057\insrsid4206567\charrsid8597726  by the }{\lang2057\langfe1033\langnp2057\insrsid9665486\charrsid8597726 
Defendant under the mortgage together with what is termed interest accumulated over time due to the delay of agreed settlement.}{\lang2057\langfe1033\langnp2057\insrsid16651370\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid9665486\charrsid8597726 
\par The amount of the loan was $21,000 and was to be disbursed by way of a payment of $18,000.00 to refinance the debt with the Plaintiff, $2000.00 for contingency and $1,000.00 for what was termed as }{\lang2057\langfe1033\langnp2057\insrsid4927874 "}{
\lang2057\langfe1033\langnp2057\insrsid9665486\charrsid8597726 other interest and legal fees}{\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\lang2057\langfe1033\langnp2057\insrsid9665486\charrsid8597726 .
\par 
\par }{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 The }{\lang2057\langfe1033\langnp2057\insrsid9963140\charrsid8597726 relevant }{\lang2057\langfe1033\langnp2057\insrsid6125421\charrsid8597726 terms of the loan}{
\lang2057\langfe1033\langnp2057\insrsid9665486\charrsid8597726  as set out in the Third Party\rquote s offer letter}{\lang2057\langfe1033\langnp2057\insrsid2049276\charrsid8597726  dated 10 February 2006}{
\lang2057\langfe1033\langnp2057\insrsid9665486\charrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid9963140\charrsid8597726 may be summarised briefly.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid10247097\charrsid8597726 First}{\lang2057\langfe1033\langnp2057\insrsid14099894\charrsid8597726 , }{\lang2057\langfe1033\langnp2057\insrsid10247097\charrsid8597726 t}{
\lang2057\langfe1033\langnp2057\insrsid9665486\charrsid8597726 he Home loan was approved subject to the special conditions set out in paragraph 7 which included the term that any overrun in cost }{
\lang2057\langfe1033\langnp2057\insrsid10247097\charrsid8597726 wa}{\lang2057\langfe1033\langnp2057\insrsid9665486\charrsid8597726 s to be borne by the applicant.
\par }{\lang2057\langfe1033\langnp2057\insrsid14099894\charrsid8597726 
\par Secondly, a}{\lang2057\langfe1033\langnp2057\insrsid9665486\charrsid8597726 ll formalities associated with the proposed loan }{\lang2057\langfe1033\langnp2057\insrsid10247097\charrsid8597726 were to}{
\lang2057\langfe1033\langnp2057\insrsid9665486\charrsid8597726  be completed before funds }{\lang2057\langfe1033\langnp2057\insrsid10247097\charrsid8597726 could}{\lang2057\langfe1033\langnp2057\insrsid9665486\charrsid8597726  be disbursed.
\par }{\lang2057\langfe1033\langnp2057\insrsid14099894\charrsid8597726 
\par Thirdly, a}{\lang2057\langfe1033\langnp2057\insrsid9665486\charrsid8597726 ll out of }{\lang2057\langfe1033\langnp2057\insrsid4992894\charrsid8597726 pocket expenses incurred by the Bank together with the Bank\rquote 
s usual fees in connection with any of its services }{\lang2057\langfe1033\langnp2057\insrsid10247097\charrsid8597726 were to}{\lang2057\langfe1033\langnp2057\insrsid4992894\charrsid8597726  be debited to the borrower\rquote s account and }{
\lang2057\langfe1033\langnp2057\insrsid10247097\charrsid8597726 were}{\lang2057\langfe1033\langnp2057\insrsid4992894\charrsid8597726  payable by the borrower irrespective of whether or not the loan }{
\lang2057\langfe1033\langnp2057\insrsid10247097\charrsid8597726 wa}{\lang2057\langfe1033\langnp2057\insrsid4992894\charrsid8597726 s disbursed.
\par }{\lang2057\langfe1033\langnp2057\insrsid14099894\charrsid8597726 
\par Fourthly, s}{\lang2057\langfe1033\langnp2057\insrsid4992894\charrsid8597726 ecurity was to be by way of a first mortgage over the property together with assignment of sufficient of the Defendant\rquote s salary to meet stipulated repayments.
\par 
\par }{\lang2057\langfe1033\langnp2057\insrsid14099894\charrsid8597726 Fifthly a}{\lang2057\langfe1033\langnp2057\insrsid4992894\charrsid8597726 n establishment fee of $500 }{\lang2057\langfe1033\langnp2057\insrsid10247097\charrsid8597726 was }{
\lang2057\langfe1033\langnp2057\insrsid4992894\charrsid8597726 to be debited to the account or payable upon acceptance by the Defendant of the loan offer.
\par 
\par }{\lang2057\langfe1033\langnp2057\insrsid14099894\charrsid8597726 Finally, a}{\lang2057\langfe1033\langnp2057\insrsid4992894\charrsid8597726  commitment}{\lang2057\langfe1033\langnp2057\insrsid2049276\charrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid4992894\charrsid8597726 fee }{\lang2057\langfe1033\langnp2057\insrsid10247097\charrsid8597726 was}{\lang2057\langfe1033\langnp2057\insrsid4992894\charrsid8597726  payable under specified circumstances }{
\lang2057\langfe1033\langnp2057\insrsid2049276\charrsid8597726 at}{\lang2057\langfe1033\langnp2057\insrsid4992894\charrsid8597726  a specified rate.}{\lang2057\langfe1033\langnp2057\insrsid9665486\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid4992894\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid6169202\charrsid8597726 It should be noted at the outset that the Third Party has not disbursed}{\lang2057\langfe1033\langnp2057\insrsid14099894\charrsid8597726  up to the present time}{
\lang2057\langfe1033\langnp2057\insrsid6169202\charrsid8597726  any funds to the Plaintiff on behalf of the Defendant pursuant }{\lang2057\langfe1033\langnp2057\insrsid14099894\charrsid8597726 to }{
\lang2057\langfe1033\langnp2057\insrsid2049276\charrsid8597726 the}{\lang2057\langfe1033\langnp2057\insrsid6169202\charrsid8597726  agreement }{\lang2057\langfe1033\langnp2057\insrsid2049276\charrsid8597726 which was}{
\lang2057\langfe1033\langnp2057\insrsid6169202\charrsid8597726  signed by the Defendant on 16 February 2006.}{\lang2057\langfe1033\langnp2057\insrsid4992894\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid6169202\charrsid8597726 
\par It should also be noted that whatever }{\lang2057\langfe1033\langnp2057\insrsid14099894\charrsid8597726 may be}{\lang2057\langfe1033\langnp2057\insrsid6169202\charrsid8597726  the reasons for }{
\lang2057\langfe1033\langnp2057\insrsid14099894\charrsid8597726 this}{\lang2057\langfe1033\langnp2057\insrsid6169202\charrsid8597726 , neither the Defendant nor the Third Party have sought to attach any fault to the Plaintiff.
\par 
\par Before proceeding to consider the issues in the Third Party proceedings, there is one matter that should be dealt with at this stage.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid6169202\charrsid8597726 
That issue is whether the mortgagee (the Plaintiff) has entered into a contract of sale pursuant to its }{\lang2057\langfe1033\langnp2057\insrsid679742\charrsid8597726 power of sale.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid679742\charrsid8597726 If so, what effect d}{\lang2057\langfe1033\langnp2057\insrsid2049276\charrsid8597726 id}{\lang2057\langfe1033\langnp2057\insrsid679742\charrsid8597726 
 that have on any attempt by the Defendant to exercise his right of redemption which }{\lang2057\langfe1033\langnp2057\insrsid2049276\charrsid8597726 wa}{\lang2057\langfe1033\langnp2057\insrsid679742\charrsid8597726 
s the purpose of the loan from the Third Party.}{\lang2057\langfe1033\langnp2057\insrsid11946262\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid679742\charrsid8597726 
\par It is therefore necessary to consider the effect of paragraphs 14 and 15 of the Plaintiff\rquote s affidavit in support sworn by Jagdish Prasad that states:
\par }{\lang2057\langfe1033\langnp2057\insrsid2049276\charrsid8597726 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid679742\charrsid8597726 14.}{
\b\i\lang2057\langfe1033\langnp2057\insrsid8597726  }{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874  }{\b\i\lang2057\langfe1033\langnp2057\insrsid679742\charrsid8597726 
That meanwhile prior to the commencement of these court proceedings the Plaintiff has received numerous tenders pursuant to the above mortgagee sale and the said property has now been sold to a successful tenderer namely Vilisita Daurewa also known as Vil
isila Tesinoko Waqaliti.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid679742\charrsid8597726 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid679742\charrsid8597726 15.}{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874  }{
\b\i\lang2057\langfe1033\langnp2057\insrsid679742\charrsid8597726 That the Plaintiff will be required by the successful tenderer to give vacant possession of the said property.}{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{
\b\i\lang2057\langfe1033\langnp2057\insrsid679742\charrsid8597726 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid679742\charrsid8597726 
\par Reference to this sale was made in paragraph 6 of an affidavit sworn by Eapi Nabou the Plaintiff\rquote s Acting General Manager }{\lang2057\langfe1033\langnp2057\insrsid2049276\charrsid8597726 L}{
\lang2057\langfe1033\langnp2057\insrsid679742\charrsid8597726 ending on 21 October 2008.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid679742\charrsid8597726 That paragraph stated:
\par 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid11368763\charrsid8597726 
That in response to paragraph 6(f) of the said affidavit, I admit that the Plaintiff received the letter dated 27 February 2006 however we cannot produce settlement figure because property was al
ready offered to a successful buyer as stated in the Affidavit in Support filed by the Plaintiff\rquote s Solicitors.}{\b\i\lang2057\langfe1033\langnp2057\insrsid8597726  }{\b\i\lang2057\langfe1033\langnp2057\insrsid11368763\charrsid8597726 
I reiterate paragraph 14 of the Affidavit in Support of Jagdish Prasad filed on 4 July 2006}{\b\i\lang2057\langfe1033\langnp2057\insrsid679742\charrsid8597726 .}{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{
\b\i\lang2057\langfe1033\langnp2057\insrsid679742\charrsid8597726 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid10059021\charrsid8597726 
\par It is clear from this material that the Plaintiff is asserting that as at 21 October 2008 the contract for the sale of the mortgaged property that had been entered into some time prior to 26 June 2006 by the Plaintiff still subsisted.}{
\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid10059021\charrsid8597726 Furthermore in her oral submission before me Counsel for the Plaintiff stated that the sale still subsists.
\par 
\par }{\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 Although}{\lang2057\langfe1033\langnp2057\insrsid10059021\charrsid8597726 
 the particulars of the sale have not been disclosed nor any relevant terms of the contract, the material in the affidavits has not been challenged and is the only evidence before me on this point.
\par 
\par On the authority of }{\b\i\ul\lang2057\langfe1033\langnp2057\insrsid10059021\charrsid8597726 Property and Bloodstock Ltd v. Emerton}{\lang2057\langfe1033\langnp2057\insrsid10059021\charrsid8597726 
 [1968] 1 Ch 94 ordinarily the entry by the Plaintiff as mortgagee into a contract for the sale of the mortgaged property, }{\lang2057\langfe1033\langnp2057\insrsid2049276\charrsid8597726 whe}{
\lang2057\langfe1033\langnp2057\insrsid10059021\charrsid8597726 ther conditional or unconditional, pursuant to section 79 of the Property Law Act Cap 130}{\lang2057\langfe1033\langnp2057\insrsid2049276\charrsid8597726 ,}{
\lang2057\langfe1033\langnp2057\insrsid10059021\charrsid8597726  would bar the Defendant\rquote s (as Mortgagor) right of redemption so long as the contract subsists.}{\lang2057\langfe1033\langnp2057\insrsid10059021 
\par }{\lang2057\langfe1033\langnp2057\insrsid15074127\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid10059021\charrsid8597726 Under th}{\lang2057\langfe1033\langnp2057\insrsid12348060\charrsid8597726 o}{\lang2057\langfe1033\langnp2057\insrsid10059021\charrsid8597726 
se circumstances the Defendant could not claim that he was entitled to be indemnified by the Third }{\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 Party}{\lang2057\langfe1033\langnp2057\insrsid10059021\charrsid8597726  for its }{
\lang2057\langfe1033\langnp2057\insrsid12348060\charrsid8597726 alleged }{\lang2057\langfe1033\langnp2057\insrsid10059021\charrsid8597726 failure to perform because redemption by the Third Party on behalf of the Defendant would not have been possible.}{
\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid2049276\charrsid8597726 Redemption}{\lang2057\langfe1033\langnp2057\insrsid10059021\charrsid8597726  would be }{
\lang2057\langfe1033\langnp2057\insrsid2049276\charrsid8597726 barred}{\lang2057\langfe1033\langnp2057\insrsid10059021\charrsid8597726  as a result of the subsisting contract for the sale of the mortgaged property entered into pursuant to the statutor
y and contractual right to sell.
\par }{\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 
\par However, the conduct of the Plaintiff in its dealing}{\lang2057\langfe1033\langnp2057\insrsid2049276\charrsid8597726 s}{\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 
 with the Third Party raises a question concerning the willingness of the Plaintiff to accept payment from the }{\lang2057\langfe1033\langnp2057\insrsid12348060\charrsid8597726 T}{\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 
hird Party on behalf of the Defendant thereby allowing the }{\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 Defendant}{\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726  to exercise a right of redemption.
\par 
\par In a letter dated 28 November 2006 addressed to the Third Party, the Plaintiff stated, so far as is relevant, that:}{\lang2057\langfe1033\langnp2057\insrsid679742\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 
We refer to your letter dated 17 November 2006 and wish to advise that the amount required for full settlement is $27,311.03 \'85 and the same to be settled by bank cheque.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 \'85.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 The above figure is valid till 23 February 2007.}{
\b\i\lang2057\langfe1033\langnp2057\insrsid8597726  }{\b\i\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 A fresh figure is to be obtained if settlement is not affected by the aforesaid date.}{
\b\i\lang2057\langfe1033\langnp2057\insrsid15210512 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid8597726\charrsid8597726 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 \'85\'85.}{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{
\b\i\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid8716446\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 And again in a letter dated 28 June 2007 the Plaintiff wrote to the Third Party saying:
\par 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 We refer to your clients
\rquote  application dated 21 February 2007 and are pleased to inform you of our consent to the mortgage over the above property to Fiji Development Bank and Fiji National Provid
ent Fund for a consideration sum not exceeding $21,000.00 and $6,377.00 as first and second mortgage respectively as applied for subject to the following conditions:
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 
\par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 a.}{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874  }{
\b\i\lang2057\langfe1033\langnp2057\insrsid9830533\charrsid8597726 That the sum of $28,431.04 ($21,381.04 \endash  H/A Balance and $7,040.00 \endash  FNPF Balance) bei
ng the full amount owing on the account concerned up to 19 September 2007 be paid to us in full not later than the expiry date as stipulated above}{\b\i\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 .
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 
\par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 b.}{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874  }{
\b\i\lang2057\langfe1033\langnp2057\insrsid9830533\charrsid8597726 
That this transaction is registered with the Registrar of Titles or Registrar of Deeds within a period of three calendar months hereof, that is to say not later than 28 September 2007 failing which the consent as hereby given shall be deemed null, void an
d of no effect.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid9830533\charrsid8597726 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid9830533\charrsid8597726 We forward herewith the Charge and Mortgage documents duly endorsed with our consent
}{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid15210512\charrsid8597726 .
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid9830533\charrsid8597726 
\par Two further letters from the Plaintiff indicated an on-going willingness to allow the Defendant through the Third Party to settle his account.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid9830533\charrsid8597726 The first is a letter dated 5 March 2008 addressed to its solicitors and copied to the Third Party.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid9830533\charrsid8597726 The relevant paragraphs of that letter stated:}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid9830533\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 Please be informed that the }{
\b\i\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 above named}{\b\i\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726  defendant has taken considerable time to settle his account.}{
\b\i\lang2057\langfe1033\langnp2057\insrsid8597726  }{\b\i\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 The defendant\rquote s financ}{\b\i\lang2057\langfe1033\langnp2057\insrsid2049276\charrsid8597726 i}{
\b\i\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 e}{\b\i\lang2057\langfe1033\langnp2057\insrsid2049276\charrsid8597726 r}{\b\i\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 
 (FDB) had, on 20 February 2008, requested to settle in the sum of $21,381.04 which had expired on 29 September 2008.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 
Kindly be advised that we are not accepting their proposal and request the Defendant to settle the sum of $32,627.74 which will expire on 14 May 2008.}{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{
\b\i\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid8716446\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 In the second letter which was undated and addressed to its Solicitors with a copy to the Third Party\rquote s Solicitors, the Plaintiff stated:
\par 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 
Please be advised that further to our letter of the even date, we have reconsidered our decision to settle the above matter as per your clause 3 of your letter dated 3 November 2008 in the sum of $23,140.97 being full and final payment for the defendant
\rquote s debt with the Authority.}{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 
\par It is apparent that the Plaintiff has been willing to allow the Defendant to exercise his right of redemption even though at the same time it has entered into a contract }{\lang2057\langfe1033\langnp2057\insrsid2049276\charrsid8597726 for the sale of}{
\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726  the mortgaged land which contract}{\lang2057\langfe1033\langnp2057\insrsid12348060\charrsid8597726 ,}{\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 
 it would appear, subsists up to the present time.
\par 
\par That being the case the questions to be determined are whether the Third Party has breached its loan agreement with the Defendant?}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 
If so, whether such breach entitles the Defendant to be indemnified by the Third Party for any financial loss suffered by }{\lang2057\langfe1033\langnp2057\insrsid1643322\charrsid8597726 him}{\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 
 as a result of the }{\lang2057\langfe1033\langnp2057\insrsid13569971\charrsid8597726 said}{\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726  failure to }{\lang2057\langfe1033\langnp2057\insrsid13569971\charrsid8597726 pay }{
\lang2057\langfe1033\langnp2057\insrsid1643322\charrsid8597726 on his behalf }{\lang2057\langfe1033\langnp2057\insrsid13569971\charrsid8597726 the amount claimed}{\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid1643322\charrsid8597726 by the Plaintiff}{\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 .
\par 
\par The affidavit material indicates that the Third Party has at all times been willing to disburse the sum of $21,000.00 to the Plaintiff as part of a settlement with the Plaintiff.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 The Plaintiff it would appear was prepared to accept a sum less than the amount owing under the mortgage to settle the matter.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 Apart from the additional sum of $381.00 }{\lang2057\langfe1033\langnp2057\insrsid12348060\charrsid8597726 that had been }{\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 
paid by the Defendant to the Third Party at its request on 
30 August 2007, the proposed settlement also required the Defendant to consent to the amount standing to his credit in his account with the Third Party in the sum of $1756.93 to be included in the settlement amount to be paid to the Plaintiff.}{
\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 Th}{\lang2057\langfe1033\langnp2057\insrsid12348060\charrsid8597726 at}{\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 
 amount of $1756.93 is in part made up of monthly payments of $17.84 in respect of commitment fees paid by the Defendant to the Third Party.
\par 
\par In his affidavit sworn on 29 March 2010 the Defendant explained in paragraph 18 why he did not consent to the sum of $1756.93 forming part of the settlement amount of $23,140.97.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 The reason was:
\par 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid1862538\charrsid8597726 \'85
 I did not agree to the Third Party proposal because of the amount that had been accumulated with Housing Authority and I believe that Third Party should be responsible to pay Hous
ing Authority for the amount that had been accumulated due to their failure to settle as promised}{\b\i\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 .}{\b\i\lang2057\langfe1033\langnp2057\insrsid4927874 "}{
\b\i\lang2057\langfe1033\langnp2057\insrsid9390063\charrsid8597726 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid1862538\charrsid8597726 
\par The Defendant\rquote s stance needs to be considered and weighed against other facts.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid1862538\charrsid8597726 It should not be forgotten that the Plaintiff was }{
\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 prepared}{\lang2057\langfe1033\langnp2057\insrsid1862538\charrsid8597726  to accept a lesser amount (about $4000) than the accumulated total amount due under the mortgage}{
\lang2057\langfe1033\langnp2057\insrsid15270995\charrsid8597726  in settlement.}{\lang2057\langfe1033\langnp2057\insrsid1862538 
\par }{\lang2057\langfe1033\langnp2057\insrsid15074127\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid15270995\charrsid8597726 It should also be remembered that the Third Party\rquote s contractual liability was to provide a loan of $21,000.00.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid2976244\charrsid8597726 After reading}{\lang2057\langfe1033\langnp2057\insrsid15270995\charrsid8597726  the material in t
he affidavit it would appear that the Third Party has been willing to do this at all material times.
\par 
\par Considering that the }{\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 Defendant}{\lang2057\langfe1033\langnp2057\insrsid15270995\charrsid8597726 
 has not paid any moneys under the mortgage since 2004 it does seem to have been an unreasonable decision on his part not to
 make an additional payment of $1756.93 in order to enable the matter to be settled whereby the right of redemption would be exercised and a fresh }{\lang2057\langfe1033\langnp2057\insrsid12348060\charrsid8597726 first }{
\lang2057\langfe1033\langnp2057\insrsid15270995\charrsid8597726 mortgage executed in favour of the Third Party.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid2976244\charrsid8597726 
Under the loan agreement the Defendant was, by implication, liable for any additional moneys owing to the mortgagee.}{\lang2057\langfe1033\langnp2057\insrsid15270995\charrsid8597726 
\par 
\par Finally I am not satisfied on the material before me }{\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 that}{\lang2057\langfe1033\langnp2057\insrsid15270995\charrsid8597726  the Third Party has acted with unreasonable delay in this matter.
}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid15270995\charrsid8597726 It twice wrote to the Plaintiff requesting information about a settlement amount.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid15270995\charrsid8597726 The first letter was dated 21 February 2006 and the second letter was dated 17 November 2006.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid15270995\charrsid8597726 It did not get a reply from the Plaintiff until 28 November 2006 and from }{\lang2057\langfe1033\langnp2057\insrsid2976244\charrsid8597726 the }{
\lang2057\langfe1033\langnp2057\insrsid15270995\charrsid8597726 Fiji National Provident Fund until 3 May 2007.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid15270995\charrsid8597726 Initially settlement was
 to take place by mid June 2007.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid15270995\charrsid8597726 The Plaintiff then advised the Third Party that settlement was required in the sum of $21,381.04.}{
\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid2976244\charrsid8597726 T}{\lang2057\langfe1033\langnp2057\insrsid15270995\charrsid8597726 he Defendant paid the additional sum of $381.04 on 30 August 2007.}{
\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid15270995\charrsid8597726 Then there was further delay caused by the existence of a caveat on the title that had been lodged by the Suva City Council.}{
\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid15270995\charrsid8597726 That was a matter that quite properly the Defendant was require}{\lang2057\langfe1033\langnp2057\insrsid1330505\charrsid8597726 
d to clear before settlement could be effected.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid15270995 
\par }{\lang2057\langfe1033\langnp2057\insrsid8597726\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid1330505\charrsid8597726 That was done and the Third Party informed the Plaintiff by letter dated 20 February 2008 that it was ready to settle as the caveat had been lifted.
\par 
\par Then by letter dated 5 March 2008 the Plaintiff informed the Third Party that the settlement amount was no longer $21,381.04.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid1330505\charrsid8597726 
The amount had increased to $32,627.74 although this included the amount required to be paid by FNPF.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid1330505\charrsid8597726 
After negotiations between the Plaintiff and the Third Party, it was agreed that the amount to be paid by the Third Party together with the Defendant\rquote s contribution to settle the debt would be $23,140.97.
\par 
\par There has certainly been tardiness on the part of the Plaintiff and the Fiji National Provident Fund in answering correspondence from the Third Party.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid1330505\charrsid8597726 Perhaps the Third Party could have been more pro-active in pursuing replies but there is no }{\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 certainty}{
\lang2057\langfe1033\langnp2057\insrsid1330505\charrsid8597726  that follow-up correspondence would have changed anything.
\par 
\par There were unforeseen issues that needed to be attended to.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid1330505\charrsid8597726 
Requesting a further small contribution ($381) from the Defendant and the need for the }{\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 caveat}{\lang2057\langfe1033\langnp2057\insrsid1330505\charrsid8597726 
 to be removed by the Defendant both added to the delay.
\par 
\par As a result of the aforegoing I have concluded that as between the Plaintiff and the Defendant the Plaintiff is entitled to vacant possession of the property that is described in paragraph }{\lang2057\langfe1033\langnp2057\insrsid2976244\charrsid8597726 (
}{\lang2057\langfe1033\langnp2057\insrsid1330505\charrsid8597726 a) of the Originating Summons and is entitled to the injunction sought in paragraph }{\lang2057\langfe1033\langnp2057\insrsid2976244\charrsid8597726 (}{
\lang2057\langfe1033\langnp2057\insrsid1330505\charrsid8597726 b).}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid1330505\charrsid8597726 
Although the Plaintiff has entered into a contract for the sale of the mortgaged property which still subsists, it has at all times been willing to accept payment in settlement of the mortgage debt.
\par 
\par As between the Defendant and the Third Party I have concluded that the Third Party has at all times remained willing to honour its agreement to provide a home loan in the sum of $21,000.00.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{
\lang2057\langfe1033\langnp2057\insrsid1330505\charrsid8597726 The reason why the agreement has not been performed was the unreasonable refusal of th
e Defendant to contribute a further sum of $1756.93 to the settlement amount in satisfaction of the reduced mortgage debt.}{\lang2057\langfe1033\langnp2057\insrsid8597726  }{\lang2057\langfe1033\langnp2057\insrsid1330505\charrsid8597726 
There was no unreasonable delay that could be attributed to the Third Party}{\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 .}{\lang2057\langfe1033\langnp2057\insrsid1330505\charrsid8597726 
\par }{\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 
\par I therefore make the following orders:
\par 
\par }\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin900\itap0\pararsid8597726 {\i\ul\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 That}{\i\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\i\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 
\par {\listtext\pard\plain\i\lang2057\langfe1033\dbch\af0\langfenp1033\insrsid11810015\charrsid8597726 \hich\af0\dbch\af0\loch\f0 1.\tab}}\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin900\itap0\pararsid8597726 {
\i\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726  }{\i\lang2057\langfe1033\langnp2057\insrsid4927874  }{\i\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 
The Defendant deliver to the Plaintiff vacant possession of the land in lease No. 168309 being Lot 42 on DP 3720 located at Nairai Road Raiwai together with all improvements thereon}{\i\lang2057\langfe1033\langnp2057\insrsid2976244\charrsid8597726 
 within 28 days}{\i\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 .
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\i\lang2057\langfe1033\langnp2057\insrsid8716446\charrsid8597726 
\par {\listtext\pard\plain\i\lang2057\langfe1033\dbch\af0\langfenp1033\insrsid11810015\charrsid8597726 \hich\af0\dbch\af0\loch\f0 2.\tab}}\pard \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin900\itap0\pararsid8597726 {
\i\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726  }{\i\lang2057\langfe1033\langnp2057\insrsid4927874  }{\i\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 The Defendant its servants, agents or employees be r
estrained from interfering with the improvements on the said property in any way so as to deplete its value.
\par }\pard\plain \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\i\lang2057\langfe1033\langnp2057\insrsid2976244\charrsid8597726 
\par {\listtext\pard\plain\i\lang2057\langfe1033\dbch\af0\langfenp1033\insrsid8597726 \hich\af0\dbch\af0\loch\f0 3.\tab}}\pard\plain \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin900\itap0\pararsid8597726 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\i\lang2057\langfe1033\langnp2057\insrsid8597726  }{\i\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 The Third Party notice be dismissed.
\par }\pard\plain \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\i\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 
\par {\listtext\pard\plain\i\lang2057\langfe1033\dbch\af0\langfenp1033\insrsid8597726 \hich\af0\dbch\af0\loch\f0 4.\tab}}\pard\plain \ql \li900\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin900\itap0\pararsid8597726 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\i\lang2057\langfe1033\langnp2057\insrsid8597726  }{\i\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 
The Defendant pay the costs of these proceedings on a party party basis to be agreed and if no agreement to be taxed.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 
\par }\pard \qc \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\b\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 W D Calanchini
\par }{\b\ul\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 JUDGE
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8597726 {\b\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid12348060\charrsid8597726 30}{\b\lang2057\langfe1033\langnp2057\insrsid11810015\charrsid8597726  April 2010
\par At Suva}{\b\lang2057\langfe1033\langnp2057\insrsid8597726\charrsid8597726 
\par }}