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\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 This Order applies to any action (whether begun by writ or originating summons) by a mortgagee or by any other person having the right to foreclose or redeem any mortgage, being an action in which there is a claim for any of the following relief}{\b\lang2057\langfe1033\langnp2057\insrsid10302112 '}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 s, namely \endash }{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (a) \'85\'85\'85\'85\'85\'85}{\b\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (b) \'85\'85\'85\'85\'85.}{\b\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (c) \'85\'85\'85\'85\'85}{\b\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (d) delivery of possession (whether before or after foreclosure or without foreclosure)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 to the mortga gee by the mortgagor or by any other person who is or is alleged to be in possession of the property.}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 3)\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid10302112 { \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 However for such an application to be entertained by Court compliance with the requirements set out in Order 88 Rule 3(3) appears to be mandatory. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 4)\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid10302112 { \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Order 88 Rule 3 reads thus; \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 3.-(1) The }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 affidavit in support}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 of the originating summons by which an action to which this rule applies is begun }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 must comply}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 with the following provisions of this rule.}{\b\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 This rule applies to a mortgage action begun by originating summons in which the plaintiff is the mortgagee and claims delivery of possession }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 or}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 payment of moneys secured by the mortgage or }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 both}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (2) The affidavit must exhibit a true copy of the mortgage and the original mortgage or, in the case of a registered charge, the charge certificate must be produced at the hearing of the summons. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (3) }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Where the plaintiff claims delivery of possession}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 affidavit must show}{ \b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 circumstances}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 under which the right to possession arises and, except where the Court in any case or class otherwise directs, the }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 state of the account between the mortgagor and mortgagee with particulars}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 of \endash }{\b\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\ilvl2\adjustright\rin0\lin1440\itap0\pararsid10302112 { \b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the amount of the advance,}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\ilvl2\adjustright\rin0\lin1440\itap0\pararsid10302112 { \b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the amount of the periodic payments required to be made,}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\ilvl2\adjustright\rin0\lin1440\itap0\pararsid10302112 { \b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the amount of any interest or installments in arrear at the date of issue of the originating summons and at the date of the affidavit, and}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 (d)\tab}}\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\ilvl2\adjustright\rin0\lin1440\itap0\pararsid10302112 { \b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the amount remaining due under the mortgage. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (4) Where the plaintiff }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 claims delivery of possession}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , the affidavit }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 must}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 give }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 particulars of every person who to the best of the plaintiff}{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112 '}{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 s knowledge is in possession of the mortgaged property}{ \b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (5) If the mortgage creates a tenancy other than a tenancy at will between the mortgagor and mortgagee, the affidavit must show how and when the tenancy was determined and if by service of notice when the notice was duly served. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (6) }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Where the plaintiff claims payment of moneys}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 accrued by the mortgage, the affidavit must prove that the money is due and payable and give the particulars mentioned in paragraph (3). \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (7) }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Where the plaintiff}{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112 '}{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 s claim includes the claim for interest to judgment}{ \b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , the affidavit must state the amount of a day}{\b\lang2057\langfe1033\langnp2057\insrsid10302112 '}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 s interest.}{ \b\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (Emphasis mine) \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 5)\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid10302112 { \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 It should be noted that in some prints of the High Court Rules two sub rules namely }{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (6)}{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 and }{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (7)}{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 appear after Rule 3 (3), which is an obvious error, and (a) to (d) again printed thereafter. The said sub rules appear to be that of Rules 2(6) and 2(7) of Order 88. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 6)\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid10302112 { \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 What is material to this case is Rule 3(3) and (4) of Order 88, as this action is only to claim possession and as such R ule 3 (6) and (7) do not apply as no claim is made for payment of moneys or interest. However it must be born in mind that even in an action for possession such as this case, the minimum account particulars mandated under Order 88 Rule 3(3) (a) to (d) are material.}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 7)\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid10302112 { \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (A).The Plaintiff has filed the affidavit of Salote Tavainavesi in support of its Summons and sets out the particulars mandatory under Order 88 Rule 3(3), at pa ragraph 6 of the said affidavit, as follows; \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\b\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 6.}{ \b\i\lang2057\langfe1033\langnp2057\insrsid10302112 }{\b\i\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 PURSUANT}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 to }{ \b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Order 88 Rule 3 (3)}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the circumstances which give rise to Home Finance}{ \i\lang2057\langfe1033\langnp2057\insrsid10302112 '}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 s right to claim delivery of possession are as follows: \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (a) The state of the loan account between the Bank and the Mortgagor is as follows: \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li2160\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid10302112 {\b\i\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The amount of advance}{ \b\i\ul\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\b\i\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li2160\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (i)}{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 $87,483.00}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 advanced to the Defendant on or about }{ \b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 14th December 2007}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 at the interest rate of }{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 10.25%}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 per annum.}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 }{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 A copy of the Loan Agreement is exhibited and marked with the }{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 B}{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112 " }{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (sic.) \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li2160\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112 }{\b\i\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Amount of periodic payments required to be made \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li2160\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (ii) The Defend ant was required to make monthly payments of $840.00 for a period of 50 years. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li2160\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid10302112 {\b\i\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Amount of any interest or instalment in arrears at the date of issue of the Originating Summons and the date of the Affidavit \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li2160\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (iii) The amount of instalment in arrears as at the date}{ \i\lang2057\langfe1033\langnp2057\insrsid10302112 }{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 of issue of the Originating Summons and the date of this Affidavit was }{ \b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 $7,825.55}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (as at 28th February 2010).}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 A copy of the Loan Account printout is exhibited and marked with the letter }{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 C}{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li2160\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid10302112 {\b\i\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Amount remaining due under the Mortgage \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li2160\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (iv) The amoun t due and owing under the said mortgage as at the date of issue of the Originating Summons and the date of this Affidavit was }{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 $99,158.00}{ \i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 }{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Interest accrues on this amount at the rate of }{ \b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 10.25%}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 per annum }{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 ($27.85 per day).}{ \i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (b) By Mortgage Registration No. 701778 (}{ \i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the said Mortgage}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 ) made}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 }{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 between the Bank and the Defendant, the Defendant charged the said property to secure repayment to the Bank of all the loans, advances, charges, interest and other financial accommodation made by it to the Defendant from t ime to time and on terms and conditions contained therein.}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 }{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 A true copy of the said Mortgage is exhibited and marked with the letter }{ \b\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 D}{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{ \i\lang2057\langfe1033\langnp2057\insrsid10302112 }{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The duplicate original of the said mortgage will be relied upon and handed into Court at the hearing of this application. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (c)}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The said Mortgage allows the Bank to sell the said property in the event the Defendant defaulted under the terms of the said Mortgage. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (d)The Defendant defaulted in his repayments under the said Mortgage and on }{ \b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 21st August 2009}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , the Bank issued Demand Notice under the said Mortgage against the Defendant, a copy of which is exhibited and marked with the letter }{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 E}{ \b\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112 }{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (e)}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The Defendant failed to rectify the default within the time frame set out under the Demand Notice or at any material time the reafter and the Bank therefore exercised its powers of sale under the Mortgage and advertised the property for sale. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 (f)\tab}}\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin1440\itap0\pararsid10302112 { \i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 There have been few enquiries and the prospective purchasers want to inspect the said property prior to putting in their tenders.}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Since t he Defendant and his family are occupying the said property, it has not been possible to show the said property to the prospective purchasers which is delaying mortgagee sale process.}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (B).It is with some concern this Court notes the following underlined words at the beginning of the above quotation of the Plaintiff}{\lang2057\langfe1033\langnp2057\insrsid10302112 '}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 s 1st Affidavit in support; }{ \b\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 6.}{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112 }{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 PURSUANT}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 to }{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Order 88 Rule 3 (3)}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the circumstances which give rise to }{\i\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Home Finance}{\i\ul\lang2057\langfe1033\langnp2057\insrsid10302112 '}{\i\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 s }{ \i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 right to claim delivery of possession are as follows:\'85.}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . The Plaintiff in this action is not }{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Home Finance}{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , but Fiji Development Bank. Even the }{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Loan Offer Letter}{ \lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 marked as Exhibit }{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 B} {\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 is in the letterhead of }{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Choice Home Loans}{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 and signed simply as }{ \lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Business Manager Lautoka}{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . There is no letter of acceptance of this offer too. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 8)\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid10302112 { \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The said affidavit of Salote Tavainavesi sets out the particulars mandatory under Order 88 Rule 3(4), at paragraph 5 & 9 of the said affidavit, thus; \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\b\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 5. }{ \b\i\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 ERECTED}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 on the said property is a single storey concrete dwelling house and to the best of my k nowledge the Defendant and his family are occupying the same.}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\b\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 9. }{ \b\i\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 PURSUANT}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 to Order 88 Rule 3 (4), to the best of my knowledge, the said property is presently occupied by the Defendant and his family.}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 9)\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid10302112 { \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Paragraph 6-9 of the said affidavit of Salote Tavainavesi was replied by the following paragraphs of the Manasa Naivau (Defendant) affidavit filed on the 22/ 06/2010, thus; \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 9. As for paragraph 6, I admit the contents of Order 88 Rule 3(3) but deny that the circumstances give rise to right to claim deliv ery of possession as I have been advised by my Solicitor Qoro Legal that the said transaction is unjust under the Consumer Credit Act.}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 10. I admit paragraph 6(a) (i) of the said affidavit.}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 11. I admit paragraph 6(b) (ii) of the said affidavit. But th e said payment arrangement is unjust because for a monthly repayment of $840 for 50 years will result in me paying over $504,000 (five hundred four thousand dollars) at the end of the term. To put it in mathematical terms; }{ \i\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 $840 per month x 12 months = $10 ,080 (ten thousand and eighty dollars)- Amount due for 1 year. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 $10,000 per year x 50 years = $504,000(five hundred four thousand dollars)}{ \i\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 At the end of the 50 year term, I would have paid $504,000 to the Plaintiff Bank for a loan of $87,483 advanced to me on}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 }{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 or about 14th December 2007 at the interest rate of 10.25%. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Further for a loan of $87,483 for 50 years, my repayment ought to be $1749.66 (one thousand seven hundred forty nine dollars and sixty six cents). It follows that my monthly repayment ought to be $145.80(One hundred forty five dollars and eighty cents). This of course excludes interest rate.}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 To put it in mathematical terms:}{ \i\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 $87,483 / 50 years = $1749.66 per annum.(exclude interest) \par }{\i\lang2057\langfe1033\langnp2057\insrsid10302112 }{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 $1749.66 / 12 months = $145.80 (exclude interest)}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 There is a big difference in monthly repayment which the Plaintiff Bank required me to do and they knew or ought to have known that I would not be able to meet repayment with the current arrangement.}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 I have raised this concern with Plaintiff Bank at its Lautoka Bra nch but they did not assist me.}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 }{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112 }{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 12. With the current arrangement, I deny the amount outstanding was $7825.55. In any event such arrangement or transaction is unjust. If I were to pay $145 per month, then there would be no arrears. The transaction is un just. Paragraph 6(iii) is denied. I repeat paragraph 11 hereof. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 13. With the current arrangement, I deny the amount outstanding was $99158.00. In fact, the Plaintiff Bank did not pay me the total loan of $87,483. It held back$3357 which ought to be the fi nal payment to complete my said house. In any event such arrangement or transaction is unjust. If I were to pay $145 per month, then there would be no arrears. The transaction is unjust. Paragraph 6(iv) is denied. I repeat paragraph 11 hereof. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 14. I admit paragraph 6(b) of the said Affidavit. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 15. I admit paragraph 6(c) of the said Affidavit. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 16. I deny paragraph 6(d) of the said Affidavit. The transaction is unjust. I repeat paragraph 11 hereof. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 17. I deny paragraph 6(e) of the said Affidavit. The trans action is unjust. I repeat paragraph 11 hereof. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 18. I do not know and can not admit paragraph 6(f) of the said Affidavit. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 19. I admit paragraph 7 of the said Affidavit in so far it is contained in the provision of the Mortgage document. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 20. I deny para graph 8 as the demand was not sent to me in my post no. 3959, Lautoka. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 21. I admit paragraph 9 of the said affidavit. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 22. I deny paragraph 10 of the said Affidavit. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 23. I deny paragraph 11 of the said Affidavit. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 24. Further, I was not provided any pro per legal advice about the said mortgage. I was only told by the staffs of the Plaintiff Bank in Lautoka to have our signatures on the said mortgage witnessed by a Justice of Peace. Pusp Raj who is a Justice of Peace witnessed our signatures but did not e xplain or provide any legal advice as to my obligation and liabilities under the said mortgage. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 25. I therefore pray that the Plaintiff}{ \i\lang2057\langfe1033\langnp2057\insrsid10302112 '}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 s application be dismissed.}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 10.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin0\itap0\pararsid10302112 { \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Therefore by the said affidavit of the Defendant he admits the Loan Offer Letter dated 14th December 2007 marked as exhibit }{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 B}{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , and the Mortgage marked exhibit }{ \lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 D}{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 with the 1st Affidavit on behalf of the Plaintiff. The Defendant further admits the amount of $87,483/= advanced, and the repayment by monthly installments of $840/= for a period of 50 years. (In admitting paragraph 6 (a)(i) and (ii) of the 1st Affidavit on behalf of the Plaintiff as above.) The Defendant has admitted the Housing Authority Sub Lease Marked as Exhibit }{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 A}{ \lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 with the Plaintiffs said 1st Affidavit of Salote Tavainavesi by admitting paragraph 4 of the said Affidavit. }{ \lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par On being questioned by Court at the hearing whether the consent of the Housing Authority had been obtained for the Mortgage as per clause 2 of the said sub Lease, the Defendants Counsel submitted in the affirmative. }{ \lang2057\langfe1033\langnp2057\insrsid10302112 \par }{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The Defendant has admitted the provisions in the Mortgage bond that entitles the Plaintiff to possession on default, in admitting paragraph 7 of the Plaintiffs 1st Affidavit by paragraph 19 of the Defendants Affidavit. During the hearing the Defendants Counsel submitted that it is admitted that there was a default. \par }{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 11.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin0\itap0\pararsid10302112 { \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The Defendant disputes the particulars submitted by the Plaintiff under Order 88 Rule 3(3) (c) and (d), in denying }{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the arrears}{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 and the }{\lang2057\langfe1033\langnp2057\insrsid10302112 "} {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 amount remaining due under the Mortgage}{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , on }{ \ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the strength of what he had been advised by his Solicitor}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (as stated in his own affidavit) that the transaction is }{ \ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 unjust under the Consumer Credit Act}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 and by the calculation he sets out in paragraph 11 of his affidavit, as above reproduced}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 12.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin0\itap0\pararsid10302112 { \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The Defendant further denies the default notice and denies the receipt of the Plaintiff}{\lang2057\langfe1033\langnp2057\insrsid10302112 '}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 s Solicitors letter demanding vacant possession on the basis that it was not posted to }{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 my post no.3959, }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Lautoka}{\b\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 13.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin0\itap0\pararsid10302112 { \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The Plaintiff filed an affidavit in reply by it}{\lang2057\langfe1033\langnp2057\insrsid10302112 '}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 s Acting Manage r Legal Salimoni Davelevu Theophilus Karusi, urging lack of particulars in respect of the defence mentioned under the Consumer Credit Act, and pointing out that one of the documents admitted by the Defendant being Exhibit }{ \lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 B}{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (Loan Offer Letter) had also been addressed to P.O Box 3593, }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Nadi}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , and that the Solicitors letter demanding vacant possession (Exhibit }{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 F}{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 ) too was posted to that same address. }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The said affidavit set out sections 80 and 81 of the Consumer Credit Act}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , and marked as Exhibit }{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 G}{ \lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 print outs of 4 separate sets of accounts (in snapshot format) , on the face stating to be for the Financial years 2008, 2009, 2010 and 2011. }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The account for the year 2008 starts with 11th March 2008, for the year 2009 starts with 31stJuly 2008, the account for 2010 starts with 3rd July 2009 while }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the 2011 account starts with 31st August 2009}{ \ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 14.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin0\itap0\pararsid10302112 { \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 However the material notice under the Consumer Credit Act is the }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Demand Notice for payment which is marked as Exhibit }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 E}{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 to the Plaintiffs 1st Affidavit}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 by Salote Tavainavesi. }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 On examining this document this Court observed a hand written note at the bottom left corner, signed and stating that it was }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 served on the property}{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 and }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 As Mansa is away in Nadi}{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The said default notice does not set out the Defendants Post box number any where in the document.}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The said default notice is dated 21st August 2009. }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Therefore this Court is compelled to }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 observe}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 that the default notice under section 80 of the Consumer Credit Act }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 has not been served}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 on the Defendant }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 personally}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Section 80 (2) and 80 (2) (a)}{\b\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 of the Consumer Credit Act statutorily restrains the Plaintiff from commencing enforcement proceedings to take possession of, unless a default notice is given to the Defendant.}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The said Section 80 (2) reads thus; \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 80. (1)\'85\'85\'85\'85\'85 \'85}{\b\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112 }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (2) }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 A credit provider must not begin enforcement proceedings against a mortgagor to recover}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 payment of money due, }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 or to take possession of}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , sell, appoint a receiver for or foreclose in relation to property subject to a mortgage, } {\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 unless}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the mortgagor is in default under the mortgage }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 and}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 -}{\b\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112 }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (a) the }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 credit provider has given the mortgagor a default notice}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , complying with this section, allowing the mortgagor a period of at least 30 days from the date of the notice to remedy the default; and}{\b\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112 }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (b)the default has not been remedied within that period.}{\b\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \'85\'85\'85. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 15.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin0\itap0\pararsid10302112 { \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Are these enforcement proceedings commenced by the Plaintiff to take possession, without giving the default notice on the Defendant under Section 80(2) of the Consumer Credit Act?}{ \lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par In this respect section 128 (c)}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 of the Property Law Act (Cap.130) appears to}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 be relevant and states thus; \par \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (c) in the case of a notice to be served on a lessee or mortgagor }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 if there be no such address}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 by leaving the same on the land the subject of such lease or mortgage.}{\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par However }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 there is an address given by the Defendant}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 being a post office box to which the demand for posse ssion too was sent subsequently.}{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Therefore the service even if under the Property Law Act is}{\ul\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 irregular, and this Court finds that the default notice under section 80(2)}{\ul\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 of the Consumer Credit Act has not been given to the Defendant}{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . However this Court shall examine the other aspects of this case before ruling on the consequence of the said finding at the end of this judgment}{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par \par }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 16}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 At the hearing of this matter this Court queried from the Plaintiffs Counsel as to the interest component and the Capital component of the loan of $87,483/= spread over 50 years}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 but the Counsel was not in a position to inform Court of the said compon ents as he had not been provided such details by his client, on the premise that this action is not to recover monies}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , but possession}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The Plaintiff was not able to provide this Court the basis on which the $840/- monthly payment was arrived at}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . The Defendant has clearly questioned this aspect of the transaction, and the Plaintiff as the keeper of the accounts has failed to answer that. }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Whether the interest is calculated on a reducing balance or otherwise was not disclosed by the Plaintiff}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . However Order 88 Rule 3(3) requires certain }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 minimum}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 account particulars to be given }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 making it obvious that the Court is required to look in to at least the default particulars}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 and Order 88 Rule 3(3) should not be taken as a blind checklist}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par \par }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 17}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Even if the Plaintiff does not obtain possession it is not deprived of the Security. The House or the land is not going to }{\lang2057\langfe1033\langnp2057\insrsid10302112 '}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 abscond}{\lang2057\langfe1033\langnp2057\insrsid10302112 '}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . The Plaintiff has the best security that a lender could have- land and building. The monetary loss to the Plaintiff in the worst case scenario is $99,158/- and interest. }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 However it is depriving a family of a roof over their heads which they built and considered their own house and home}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 that defies monetary valuation}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . \par \par }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 18}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 other relevant provisions being sections 70 to 73 under the Consumer Credit Act (1999)}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 which the Plaintiff and }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 especially the Defendant}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (who alleges an unjust transaction) }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 did not}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 submit to Court are as follows; \par }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\b\lang2057\langfe1033\langnp2057\insrsid10302112 }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Section 70 to 73 of the Consumer Credit Act reads as thus; \par }{\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Court may re-open unjust transactions}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 70}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . (1)}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 }{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 A court may, if satisfied on the application of a debtor, mortgagor or guarantor that, in the circumstances relating to the relevant credit contract, mortgage or guarantee at the time it was entered into or changed (w hether or not by agreement), the contract, mortgage, guarantee or change was unjust, re-open the transaction that gave rise to the contract, mortgage, guarantee or change.}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (2) In determining whether a term of a particular credit contract, mortgage or guar antee is unjust in the circumstances relating to it at the time it was entered into or changed, a court must have regard to the public interest and to all the circumstances of the case and may have regard to the following-}{ \lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (a)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the consequences of compliance, or noncompliance, with all or any of the provisions of the contract, mortgage or guarantee;}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (b)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the relative bargaining power of the parties;}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (c)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 whether or not at the time the contract, mortgage or guarantee was entered into or changed, its provisions were the subject of negotiation;}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (d)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 whether it was reasonably practicable for the applicant to negotiate for the alteration of, or to reject, any of the provisions of the contract, mortgage or guarantee or the change;}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (e)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 whether any of the provisions of the contract, mortgage or guarantee (before and after any change) impose conditions that are unreasonably difficult to comply with, or not reasonably necessary for the protection of the legitimate interests of a party to the contract, mortgage or guarant ee;}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (f)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 whether the debtor, mortgagor or guarantor, or a person who represented the debtor, mortgagor or guarantor, was reasonably able to protect the interests of the debtor, mortgagor or guarantor because of his or her age or physical or mental condition;}{ \lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (g)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the form of the contract, mortgage or guarantee and the intelligibility of the language in which it is expressed;}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (h)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 whether, and if so when, independent legal or other expert advice was obtained by the debtor, mortgagor or guarantor;}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (i)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the extent to which the provisions of the contract, mortgage or guarantee (before and after any change) and their legal and practical effect were accurately explained to the debtor, mortgagor or guarantor and whether or not the debtor, mortgagor or guarantor underst ood the provisions and their effect;}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (j)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 whether the credit provider or any other person exerted or used unfair pressure, undue influence or unfair tactics on the debtor, mortgagor or guarantor and, if so, the nature and extent of that unfair pressure, undue influence or unfair tactics;}{ \lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (k)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 whether the credit provider took measures to ensure that the debtor, mortgagor or guarantor understood the nature and implications of the transactions and, if so, the adequacy of those measures;}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (l)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 whether at the time th e contract, mortgage or guarantee was entered into or changed, the credit provider knew, or could have ascertained by reasonable inquiry of the debtor at the time, that the debtor could not pay in accordance with its terms or not without substantial hards hip;}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (m)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 whether the terms of the transaction or the conduct of the credit provider is justified in the light of the risks undertaken by the credit provider;}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (n)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the terms of other comparable transactions involving other credit providers and, if the injustice is alleged to result from excessive interest charges, the annual percentage rate or rates payable in comparable cases;}{ \lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (o)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 any other relevant factor. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (3) For the purposes of subsection (2) }{ \i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (f)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , a person is taken to have represented a debtor, mortgagor or guarantor if the person represented the debtor, mortgagor or guarantor, or assisted the debtor, mortgagor or guarantor to a significant degree, in any negotiations before or when the credit contract, mortgage or guarantee was entered into or changed.}{ \lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 ( 4) In determining whether a credit contract, mortgage or guarantee is unjust, a court must not have regard to any injustice arising from circumstances that were not reasonably foreseeable when the contract, mortgage or guarantee was entered into or change d.}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (5) In determining whether to grant relief in respect of a credit contract, mortgage or guarantee that if finds to be unjust, a court may have regard to the conduct of the parties to the proceedings in relation to the contract, mortgage or guarantee sin ce it was entered into or changed.}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (6) This section does not apply to }{\lang2057\langfe1033\langnp2057\insrsid10302112 \endash \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (a)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 a change in the annual percentage rate or rates payable under a contract, or to an establishment fee or charge or other fee or charge, in respect of which an application may be made under section 72; or}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (b)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 a change to a contract under this Division. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (7) In this section, "unjust" includes unconscionable, harsh or oppressive. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\i\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11291486 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Orders on re-opening of transactions}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11291486 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 71}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . A court may, if it re-opens a transaction under this Division, do anyone or more of the following, despite any settlement of accounts or any agreement purporting to close previous dealings and create a new obligation-}{ \lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid11291486 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (a)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 re-open an account already taken between the parties;}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid11291486 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (b)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 relieve the debtor and any guarantor from payment of any amount in excess of any amount the court, having regard to the risk involved and all other circumstances, considers to be reasonably payable;}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid11291486 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (c)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 set aside either wholly or in part, or revise or alter, an agreement made or mortgage given in connection with the transaction;}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid11291486 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (d)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 order that the mortgagee takes all steps necessary to discharge the mortgage;}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid11291486 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (e)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 give judgment for or make an order in favour of a party of such amount as, having regard to the relief (if any) which the court thinks fit to grant, is justly due to that party under the contract, mortgage or guarantee;}{ \lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid11291486 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (f)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 give judgment or make an order against a person for delivery of goods to which the contract, mortgage or guarantee relates and which are in the possession of that person;}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid11291486 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (g)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 make ancillary or consequential orders.}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11291486 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Court may review unconscionable interest and other charges}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11291486 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 72}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . (1)}{ \b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 }{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 A court may, if satisfied on the application of a debtor or guarantor that }{ \lang2057\langfe1033\langnp2057\insrsid11291486 \endash }{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid11291486 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (a)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 a change in the annual percentage rate or rates under a credit contract to which section 59 (1) or (5) applies;}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid11291486 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (b)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 an establishment fee or charge;}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid11291486 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (c)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 a fee or charge payable on early termination of a credit contract; or}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid11291486 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (d)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 a fee or charge for a prepayment of an amount under a credit contract, \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11291486 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 is unconscionable , annul or reduce the change or fee or charge and may make ancillary or consequential orders.}{\lang2057\langfe1033\langnp2057\insrsid11291486 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11291486 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (2) For the purposes of subsection (1), a change to the annual percentage rate or rates is unconscionable if and only if it appears to the court that }{\lang2057\langfe1033\langnp2057\insrsid11291486 \endash }{ \lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid11291486 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (a)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 it ch anges the annual percentage rate or rates in a manner that is unreasonable, having regard to any advertised rate or other representations made by the credit provider before or at the time the contract was entered into, the period of time since the contrac t was entered into and any other consideration the court thinks relevant; or}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486\charrsid10302112 \par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid11291486 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (b)}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the change is a measure that discriminates unjustifiably against the debtor when the debtor is compared to other debtors of the credit provider under similar contracts. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11291486 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (3) In determining whether an establishment fee or charge is unconscionable, a court is to have regard to whether the amount of the fee or charge is equal to the credit provider}{\lang2057\langfe1033\langnp2057\insrsid10302112 '}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 s reasonable costs of making a decision on an application for credit and the initial administrative costs of providing the credit, or is equal to the credit provider}{ \lang2057\langfe1033\langnp2057\insrsid10302112 '}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 s average reasonable costs of those things in respect of that class of contract.}{\lang2057\langfe1033\langnp2057\insrsid11291486 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11291486 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (4) For the purposes of this section, a fee or charge payable on early termination of the co ntract or a prepayment of an amount under the credit contract is unconscionable if and only if it appears to the court that it exceeds a reasonable estimate of the credit provider}{\lang2057\langfe1033\langnp2057\insrsid10302112 '}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 s loss arising from the early termination or prepayment, including the credit provider}{\lang2057\langfe1033\langnp2057\insrsid10302112 '}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 s average reasonable administrative costs in respect of such a termination or prepayment.}{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486\charrsid10302112 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11291486 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Time limit}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11291486 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 73}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . (1)}{ \b\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 }{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 An application (other than an application under section 72) may not be brought under this Division more than 2 years after the relevant credit contract is rescinded or discharged or the credit provider writes off the relevant debt, whichever occurs first. }{\lang2057\langfe1033\langnp2057\insrsid11291486 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11291486 {\lang2057\langfe1033\langnp2057\insrsid11291486 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11291486 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (2) An application under section 72 may not be brought more than 2 years after the relevant change takes effect or fee or charge is charged under the credit contract or the credit provider writes off the relevant debt, whichever occurs first.}{ \lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 19}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The Defendant states in its affidavit at paragraph 25 thus; \par \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11291486 {\i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 24. Further, I was not provided any proper legal advice about the said mortgage. I was only told by the staffs of the Plaintiff Bank in Lautoka to have our signatures on the said mortgage witnessed by a Justice of Peace. Pusp Raj who is a Justice of Peace witnessed our signatures but did not explain or provide any legal advi ce as to my obligation and liabilities under the said mortgage.}{\i\lang2057\langfe1033\langnp2057\insrsid10302112 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid11291486\charrsid10302112 \par }{\lang2057\langfe1033\langnp2057\insrsid10302112 }{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 However such circumstances cannot be judged by affidavits alone, and if such was the case as the Defendant alleges then the Defendant ought to have commenced proceedings by writ of summons to reopen the transaction.}{ \ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 At the same time this Court is mindful that a mortgagor who is financially unable to service his loan will not be in a position to embark on preemptively aggressive litigation. Even the last notice alleged to have been given is dated 24th March 2010 and these proceedings were filed on 13th April 2010, within less than a month, and the Defendant denies receipt of that notice too. }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 It is strange that there had been no correspondence between the Loan Offer Letter (Exhibit }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 B}{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 ) of 14th December 2007and the Demand Notices in 2009 and 2010 at least from the Plaintiff to the Defendant, with so many payment defaults alleged.}{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 20}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 It is situations such as these that legislation such as the Consumer Credit Act endeavors to prevent. }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Unless the lending (credit) terms are sustainable by the borrower there is the inevitable risk of default. It is sustainable lending that prudent lenders must practice}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . Home loans were regarded worldwide as }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 low risk lending and carried low interest rates spread over long periods of time}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , and attracted many investors to hedge on such portfolios, }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 and when such loans are not sustainable due to }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 apparent incapacity of the borrower, over lending}{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 or }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the ambitious terms}{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , a financial crisis could occur as it did in the United States of America during 2007-2010}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 It is therefore timely that such lending ought to be made only on sustainable terms, }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 otherwise not only could it lay a foundation to a future financial crises, it could also seriously erode the essential unit of a nation; the progressing human family}{ \b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par \par }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 When default occurs the rehabilitation mode must precede the recovery mode}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . }{ \ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 This Court noted the lack of assistance from the staff of the Plaintiff, complained of by the Defendant at the end of paragraph 11 of his affidavit}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . }{\lang2057\langfe1033\langnp2057\insrsid10302112 \par }{\lang2057\langfe1033\langnp2057\insrsid11291486\charrsid10302112 \par }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Money does not grow in the vaults of Banks. It needs borrowers to make it multiply by paying interest. The borrower too equally deserves protection,}{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 for the financial well being of a nation as well as for the continuity of the lender. Ho me mortgagors are generally first time mortgagors while the lender is a professional with experience and resources, and must share some responsibility if it lends on ambitious terms beyond the sustainable capacity of the borrowing mortgagor. \par }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 21}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The Plaintiff Bank has contracted for two rates of interest}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 ( 9.5 % & 10.25%) the lesser rate for the first two years and the higher rate for the balance 48 years. }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The Plaintiff failed to submit the interest component, and whether the calculation was on a reducing balance or not, though called for by this court at the hearing}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . The Defendant complains that at the end of 50 years he would end up paying $504,000/}{\lang2057\langfe1033\langnp2057\insrsid10302112 --}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 -.}{\lang2057\langfe1033\langnp2057\insrsid10302112 --}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 It is his capacity to pay at the time of the lending that the parties have not given pr oof of or even submitted. The only clue is that he is described as a }{\b\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Resort Director}{ \b\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , and that depends on the Resort! Before the transaction the Plaintiff ought to make an assessment of the Defendants capacity to pay.}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par \par }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 At the same time if the Defendant is to urge the transaction as unjust under the Consumer Credit Act, then he must particularize the circumstances that make it an unjust transaction as vividly set out in section 70(2) of the Consumer Credit Act, reproduced above}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The Defendant cannot expect the Court to proceed on a fishing expedition to discover the circumstances or the particular category the Defendant fits in to, in the scheme set out in the said section 70(2)}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par \par }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 However it must be noted that this particular mortgage has}{\b\lang2057\langfe1033\langnp2057\insrsid10302112 }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 t he hallmarks of a }{\b\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 sub-prime mortgage}{\b\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (subprime mortgage), which }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 U.S. Financial Crisis inquiry Commission}{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 }{ \ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 findings reported in January 2011}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 found, was one of the major factors responsible for the 2007-2010 U.S financial crisis}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 which had global ramifications. \par [The U.S. Financial Crisis Inquiry Commission is a ten member Commission created by section 5 of the Fraud Enforcement and Recovery Act of 2009(Public Law 111-21)- also known as the Angelides Commission after it}{ \lang2057\langfe1033\langnp2057\insrsid10302112 '}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 s Chairman Phil Angelides. Such a Commission was last appointed to investigate the Great Depression in the 1930}{ \lang2057\langfe1033\langnp2057\insrsid10302112 '}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 s which was known as the Pecora Commission.] \par \par }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 22}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Sub-prime Mortgages bring in their wake foreclosures that drive the real estate value down, and give a negative index to investor confidence. The result is, even, prime mortgages suffer an equity loss, in that they find that they are paying more for their mortgage than the value of the property. The resulting default in prime and sub-prime mortgages seriously affects lender liquidity, forcing lenders to resort to harsher recovery strategies that drive the real estate market further down, accelerating default in hitherto unaffected mortgages}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . It is no longer a theory, it is more than foreseeable, and it came to pass. \par \par }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Warnings of this vicious cycle was scoffed at within the financial sector, as mortgage fraud thrives in the company of sub-prime mortgages, }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 and direct and indirect beneficiaries of such fraud, being those necessarily within the financial sector, felt their interests were threatened}{ \b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{\b\lang2057\langfe1033\langnp2057\insrsid10302112 }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 As early as 2004 the Federal Bureau of Investigations (U.S) warned of an }{\b\lang2057\langfe1033\langnp2057\insrsid10302112 "}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 epidemic}{\b\lang2057\langfe1033\langnp2057\insrsid10302112 "}{ \b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 in mortgage fraud}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 No warning is too early in the case of an }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112 '}{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 iceberg}{\ul\lang2057\langfe1033\langnp2057\insrsid10302112 '}{ \ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , and sooner such sub-prime mortgages are identified, isolated and managed the more chances of avoiding the }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112 '}{ \ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 iceberg}{\ul\lang2057\langfe1033\langnp2057\insrsid10302112 '}{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . I hope this case is not the tip of an iceberg but an isolated case.}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par \par }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 23}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 When sub-prime mortgages fail it is not entirely the fault of the mortgagor, as it ought to have been to the knowledge of the lender mortgagees that they are destined and foreseeable to fail from the very beginning}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Purely numerical thinking needs to be overlapped by conceptual thinking}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . How ever as stated earlier such issues cannot be decided by affidavits alone within the Originating Summons procedure. \par \par }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 24}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Previous judicial precedents did not have the benefit of an insight in to the financial mischief and human misery that is caused by sub-prime mortgages , whether motivated by fraud or otherwise, and may require judicial and legislative re-thinking.}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 }{\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 What is currently under investigation in the U.S. is more the fraud on the part of lender mortgagees and their individual officers}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 rather than individual mortgagors. }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The modus operandi of white collar crime are more often copied in to jurisdictions with less means of regulation, than from where they are originally detected.}{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par \par }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 25}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 As the Law stands, in view of case law such as }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Fiji Development Bank v. Endeavour Youth Investment Cooperative Society Ltd}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 (2000) FJHC 63; HBC0337J.99S(5 May 2000), }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Wati v Pillay}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \~ [2009] FJHC}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 102; Civil Action No 310.2008 (7 April 2009),}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 and the recent case of}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 FIJI DEVELOPMENT BANK v. RATU TEVITA RAIVALITA KOMAISAVAI}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 }{ \ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 CIVIL APPEAL NO. ABUOO18 OF 2010}{\ul\lang2057\langfe1033\langnp2057\insrsid10302112 }{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 [High Court Action No; HBC 19 of 2010L], where the Defendant admits default then this court has to permit the mortgagee (Plaintiff) to take possession of the property so as to further secure its only security, and recover the monies lent, }{ \ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 subject to terms so as to address the human aspect of such transactions}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 26.}{\b\lang2057\langfe1033\langnp2057\insrsid10302112 }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 It would be unjust to eject the Defendant and his family without providing him the mandatory benefit and protection provided by statute by virtue of section 80(2) of the Consumer Credit Act, in view of the observations of this Court, and }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 even otherwise this Court has no choice but to give effect to clear statutory provisions}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . In the given scenario it is not the Plaintiff or the Defendant who gains but the subsequent buyer. }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 On the sale of the property the Plaintiff at least has the prospect of recoveri ng the arrears and what it lent, but the family disruption that results from loss of possession is irreparable}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 . }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 As such the Plaintiff having failed to give the statutory notice of default under section 80(2)(a) of the Consumer Protection Act to the Defendant as held at paragraph 15 above}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 it is restrained by statute under Section 80(2) of the said Act from beginning this action for possession}{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 , }{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 and as such this action of the Plaintiff stands statutorily prohibited }{\b\i\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 ab initio}{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 and as such is dismissed, without prejudice to the Plaintiffs right to file proceedings after due notice.}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par \par }{\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 27}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 .}{\lang2057\langfe1033\langnp2057\insrsid10302112 }{ \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 The injunction sought by the Plaintiff was not urged at the hearing and as such I shall make no such order. Even if such orders had been made they would stand dissolved }{ \i\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 ab initio}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 due to the statutory prohibition above referred to. This Court cannot make any orders in this action even in favour of the Defendant due to the very same reason and can only make orders as to costs, therefore }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 the dismissal of this action is without prejudice to the Defendants right to agitate the defenses in this action in another action and as such not to operate as }{\b\i\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 res judicata}{ \b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 between parties.}{\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par \par ORDERS ON JUDGMENT; \par \par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 a)\tab}}\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls3\ilvl1\adjustright\rin0\lin720\itap0\pararsid11291486 { \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Plaintiffs Action dismissed without prejudice to the right of both parties to file fresh actions after due statutory compliance. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \hich\af0\dbch\af0\loch\f0 b)\tab}}\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls3\ilvl1\adjustright\rin0\lin720\itap0\pararsid11291486 { \lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 Parties to bear their costs. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par }\pard \qc \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11291486 {\b\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid11291486 Hon. Justice Yohan Fernando.}{ \b\lang2057\langfe1033\langnp2057\insrsid11291486\charrsid11291486 \par }{\b\ul\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid11291486 PUISNE JUDGE. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10302112 {\lang2057\langfe1033\langnp2057\insrsid10302112\charrsid10302112 \par High Court of Fiji \par At Lautoka \par 18th April 2011. \par }}