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{\title IN THE HIGH COURT OF FIJI}{\author Toshiba}{\operator raikatalau_l}{\creatim\yr2011\mo8\dy16\hr11\min17}{\revtim\yr2011\mo8\dy16\hr11\min24}{\printim\yr2011\mo8\dy11\hr15\min41}{\version3}{\edmins9}{\nofpages9}{\nofwords4341}{\nofchars20406}
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{\*\pnseclvl5\pndec\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl6\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl7\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl8
\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl9\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}\pard\plain \s15\qc \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 
\fs22\lang1033\langfe1033\loch\af36\hich\af36\dbch\af36\cgrid\langnp1033\langfenp1033 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 IN THE HIGH COURT OF FIJI
\par \hich\af0\dbch\af36\loch\f0 AT SUVA
\par \hich\af0\dbch\af36\loch\f0 CIVIL JURISDICTION
\par }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Civil Action No. HBC 299}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 of 2003
\par 
\par \hich\af0\dbch\af36\loch\f0 BETWEEN:}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 
\par 
\par }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 FIJI DEVELOPMENT BANK}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 a body corporate duly established under the Fiji Development Act.
\par \hich\af0\dbch\af36\loch\f0 PLAINTIFF
\par 
\par \hich\af0\dbch\af36\loch\f0 AND:}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 
\par 
\par }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 THE NEW INDIA ASSURANCE COMPANY LIMITED}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 a duly inco\hich\af0\dbch\af36\loch\f0 rporated insurer having its head office at Level 2,}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 

\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Hari}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0 fam Centre, Greig Street, Suva.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\par \hich\af0\dbch\af36\loch\f0 DEFENDANT
\par }\pard \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\par }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 BEFORE:}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Master Deepthi}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Amaratunga}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\par }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 COUNSELS:}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Mr M.}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Prakash}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  for the \hich\af0\dbch\af36\loch\f0 
Applicant 
\par }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Mr}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 R.}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Nand}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  for the Plaintiff 
\par }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Mr}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 A.}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 K.}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Narayan}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  for the Defendant 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11616646\charrsid5731199 
\par }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Date of\hich\af0\dbch\af36\loch\f0  Hearing:}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 21\hich\af0\dbch\af36\loch\f0 st\hich\af0\dbch\af36\loch\f0  June, 2011
\par }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Date of Ruling:}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 10\hich\af0\dbch\af36\loch\f0 th\hich\af0\dbch\af36\loch\f0  August,}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 
\hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 2011}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\par }\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 \fs22\lang1033\langfe1033\loch\af36\hich\af36\dbch\af36\cgrid\langnp1033\langfenp1033 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\par }\pard \qc \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 RULING}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 

\par }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 A.\tab}}\pard \ql \fi-567\li567\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls4\adjustright\rin0\lin567\itap0\pararsid5731199 {
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 INTRODUCTION}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 1.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
On 23rd July, 2003, the Fiji Development Bank (FDB) filed a Writ and Statement of Claim claiming under a Fire and Other Perils Insurance Policy held with New India Assur\hich\af0\dbch\af36\loch\f0 
ance Company Limited (NIA) for damage done to a property in Rakiraki owned by Brightspot Fashions Limited (BFL) \hich\af0\dbch\af36\loch\f0 which was \hich\af0\dbch\af36\loch\f0 mortgaged to the FDB\hich\af0\dbch\af36\loch\f0  at the time of the }{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 fire}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 
\hich\af0\dbch\af36\loch\f0 '}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 .}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The policy of insurance had FDB listed as an interested party.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 NIA filed a defence d\hich\af0\dbch\af36\loch\f0 
enying liability relying on the policy conditions and the fact that BFL had accepted an ex-gratia payment of $133,000.00 in full and final \hich\af0\dbch\af36\loch\f0 settlement and signed a discharge and subrogation stating }{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\i\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 in full satisfaction, compromise and discharge of all clai
\hich\af0\dbch\af36\loch\f0 ms for loss and expense sustained to property insured}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 "}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 . BFL now allege that the discharge is only for the stock in trade }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0 that was destroyed due to fire }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 and not for the building, but it did nothing to file an action against the insurance company and BFL did\hich\af0\dbch\af36\loch\f0 
 not even make an application to intervene in this action till the expiration of limitation period for the alleged cause of action.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The said application to intervene was rejected in the Fiji Court of Appeal.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 
\hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 At the moment that decision is being subject t\hich\af0\dbch\af36\loch\f0 
o a leave application in the Supreme Court of Fiji.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
While it is pending in Supreme Court, the BFL made this application for substitution. The issue is whether a court can allow substitution outside the limitation period in terms of Order 15 rule 6(5) and \hich\af0\dbch\af36\loch\f0 
6(6). Such an application outside the limitation period is allowed under limited circumstances if the court thinks the intended party}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 (BFL) is a necessary party for the determination of the action and the word }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 
\hich\af0\dbch\af36\loch\f0 '}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 necessary party}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  is interpreted in an exclusi\hich\af0\dbch\af36\loch\f0 ve manner in Order 15 rule 6(6), no other circumstance can be considered as }{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 necessary}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
 as the interpretation is excusive to the instances referred in Order 15 rule 6(6).}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 BFL has to establish that they are within the ambit of Order 15 rule 6(6) to allow t\hich\af0\dbch\af36\loch\f0 he substitution.
\par }\pard\plain \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 \fs22\lang1033\langfe1033\loch\af36\hich\af36\dbch\af36\cgrid\langnp1033\langfenp1033 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 B.\tab}}\pard\plain \ql \fi-567\li567\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls4\adjustright\rin0\lin567\itap0\pararsid5731199 
\fs22\lang1033\langfe1033\loch\af36\hich\af36\dbch\af36\cgrid\langnp1033\langfenp1033 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 FACTS}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 

\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 2.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
On 23rd July, 2003, the Fiji Development Bank (FDB) filed a Writ and Statement of Claim claiming under a Fire and Other Perils Insurance Policy held with NIA for damage done to a property in Rakiraki owned by BFL\hich\af0\dbch\af36\loch\f0 
. This property was \hich\af0\dbch\af36\loch\f0 mortgaged to the }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Plaintiff (}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 FDB}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0 )}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 .}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The policy of insurance had FDB listed as an interested party.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 3.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The said insurance policy state that }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Loss if any payable to Fiji Development Bank (Rakiraki) as mortgagee whos\hich\af0\dbch\af36\loch\f0 e\hich\af0\dbch\af36\loch\f0 
 discharge shall be sufficient and binding to \hich\af0\dbch\af36\loch\f0 the company}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 .}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 4.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 On 20\hich\af0\dbch\af36\loch\f0 th\hich\af0\dbch\af36\loch\f0  May, 2000, Brightspot building which is the subject matter of this action was destroyed }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0 due to}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  a }{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 fire}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 
\hich\af0\dbch\af36\loch\f0 '}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 .}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 5.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 On 8\hich\af0\dbch\af36\loch\f0 th\hich\af0\dbch\af36\loch\f0  May, 2001, BFL accepted a sum of $133,000.00 and signed a discharge}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1583344\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ,}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  a loss and subrogation receipt}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ,}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  stating }{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 "}{\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 in full sati\hich\af0\dbch\af36\loch\f0 
sfaction, compromise and discharge of all claims for loss and expense sustained to property insured}{\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 "}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 .}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 6.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The said Loss and Subrogation Receipt signed and discharged by the Defendant (NIA) and BFL state inter alia}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 RECEIVED FROM THE NEW INDIA ASSURANCE CO LTD 
\hich\af0\dbch\af36\loch\f0 DOLLARS OFNE HUNDRED THIRTY THREE THOUSAND ONLY in }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 full satisfaction, compromise and discharge of all claims for los
\hich\af0\dbch\af36\loch\f0 s\hich\af0\dbch\af36\loch\f0  and expenses sustained to property insured under Policy}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 \hich\f0  No\'85\'85\loch\f0 \hich\f0 
. Renewal Certificate No\'85\'85\loch\f0 .. by reason of }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 DAMAGE DUE TO FIRE}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 
\hich\af0\dbch\af36\loch\f0  }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 which occurred O\hich\af0\dbch\af36\loch\f0 N 20\hich\af0\dbch\af36\loch\f0 TH\hich\af0\dbch\af36\loch\f0  MAY 2000}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
and in consideration of which the undersigned hereby assigns and transfers to the said Company each and all claims and demands against any person}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 ,}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  persons}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 ,}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  corporation or property arising from or connected with such loss or damage and }{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 the\hich\af0\dbch\af36\loch\f0 
 said Company is subrogated in the place on and to the claims and demands of the undersigned against said person, persons, corporation or property in the premises}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0  to the extent of the amount above named.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 "}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 (highlighting with bold is added)}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 7.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Upon the Writ bei\hich\af0\dbch\af36\loch\f0 ng filed on 23\hich\af0\dbch\af36\loch\f0 rd\hich\af0\dbch\af36\loch\f0  July, 2003 by FDB in this action, 
\hich\af0\dbch\af36\loch\f0 NIA filed a defence denying liability relying on the policy conditions and the fact that BFL had accepted an ex-gratia payment of $133,000.00 in full and final settlement.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 8.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 BFL had filed an application on 2\hich\af0\dbch\af36\loch\f0 nd May 2007 seeking to be added as a co-plaintiff or alternatively an interested party.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 After hearing argument Singh J}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5187695\charrsid5731199 \hich\af0\dbch\af36\loch\f0 .}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
 did not allow the joinder as a co plaintiff but allowed BFL to be an interested party.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 This decision was appealed by NIA to the Fiji C\hich\af0\dbch\af36\loch\f0 
ourt of Appeal which on 10th November 2008 allowed the appeal and ordered costs against FBL in favour of both FDB and NIA for the application for joinder in the High Court and the Court of Appeal.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 
\hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 BFL has made an application for Special Leave to Appeal to\hich\af0\dbch\af36\loch\f0  the Supreme Court.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
While this application is pending, BFL has made this application for substitution of them in place of the Plaintiff and the Plaintiff, FDB supports th}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
e present }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 application.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 9.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The Plaintiff opposed the earlier application, made by BFL to \hich\af0\dbch\af36\loch\f0 add them }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0 as co-plaintiff or interested party }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
to present proceedings, but they do not oppose the present application for the substitution. The Plaintiff did not file any affidavit in support explaining the circumstance that changed their stance, but the aff\hich\af0\dbch\af36\loch\f0 
idavit in support filed by the BFL state that the mortgage is fully settled, but no date of such settlement or any evidence for the said full settlement has not been }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 submitted}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 .}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 10.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The Defendants oppose both applications made by BFL in this action, and state t\hich\af0\dbch\af36\loch\f0 hat the present application to substitute is 
\hich\af0\dbch\af36\loch\f0 brought to this Court seeking very similar relief to the application being the subject matter of the Leave application}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
 before Supreme Court}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 .}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 11.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The Defendants object to this application on three grounds and they ar\hich\af0\dbch\af36\loch\f0 e:}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\i\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 a.\tab}}\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin720\itap0\pararsid5731199 {
\i\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Abuse of Process}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 - while the appeal to the Supreme Court is pending this application seeking similar relief is duplication.
\par {\listtext\pard\plain\i\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 b.\tab}}{\i\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Prejudice and Limitation}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
- if substitution is allowed they will be deprived of the plea of limitation which is normally available\hich\af0\dbch\af36\loch\f0  to any party to an action.
\par {\listtext\pard\plain\i\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 c.\tab}}{\i\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Compromise and Discharge}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
- the acceptance of payment as full and final settlement, by BFL put to the rest of the issue of claim in terms of the Policy}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  of }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5187695\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Insurance}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  and cannot be a party.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 12.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The Defendants submitted that \hich\af0\dbch\af36\loch\f0 should eith\hich\af0\dbch\af36\loch\f0 er Brigh}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5187695\charrsid5731199 \hich\af0\dbch\af36\loch\f0 t}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
spot or the Defendant win on the facts of the trial, if an order of substitution is made, there will be a complete resolution of all issues before the Court.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 13.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 BFL\hich\af0\dbch\af36\loch\f0  have provided a copy of the proposed amended claim in the affidavit of Mr}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Jitendra Ku\hich\af0\dbch\af36\loch\f0 
mar filed on the 5\hich\af0\dbch\af36\loch\f0 th\hich\af0\dbch\af36\loch\f0  of June, 2011, in support of this application for substitution and state that\hich\af0\dbch\af36\loch\f0  the Court ought to give leave for to Brigh}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5187695\charrsid5731199 \hich\af0\dbch\af36\loch\f0 t}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
spot to substitute itself as the Plaintiff in place of the present plaintiff, the FBD.}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\par }\pard\plain \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 \fs22\lang1033\langfe1033\loch\af36\hich\af36\dbch\af36\cgrid\langnp1033\langfenp1033 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\par {\listtext\pard\plain\s16 \b\lang2057\langfe1033\langnp2057\insrsid5187695\charrsid5731199 \hich\af0\dbch\af36\loch\f0 C.\tab}}\pard\plain \s16\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls4\adjustright\rin0\lin0\itap0\pararsid5731199 
\fs22\lang1033\langfe1033\loch\af36\hich\af36\dbch\af36\cgrid\langnp1033\langfenp1033 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5187695\charrsid5731199 \hich\af0\dbch\af36\loch\f0 LAW AND ANALYSIS}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \s16\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 14.\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 
\fs22\lang1033\langfe1033\loch\af36\hich\af36\dbch\af36\cgrid\langnp1033\langfenp1033 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Order 15 \hich\af0\dbch\af36\loch\f0 Rule 6 
\hich\af0\dbch\af36\loch\f0 em\hich\af0\dbch\af36\loch\f0 power\hich\af0\dbch\af36\loch\f0 s the court \hich\af0\dbch\af36\loch\f0 to make an order for substitution of a party.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 
\hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The sa\hich\af0\dbch\af36\loch\f0 id provision states}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 
\hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 as follows:-}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 "}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
2) Subject to the provisions of this rule, at any stage of the proceedings in any cause or matter the Court may on such terms as it thinks jus\hich\af0\dbch\af36\loch\f0 t and either of its own motion or on application-}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid5731199 {\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 (a)\tab}}\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin1440\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \loch\af0\dbch\af36\hich\f0 \'85\'85\loch\f0 .;}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 (b)\tab}}\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin1440\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Order any of the following persons to be added as a party, namely-}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li2160\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\i\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 (i)\tab}}\pard \ql \li2160\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin2160\itap0\pararsid5731199 {
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Any person who ought to have been joined as a party or whose presence before the Court is necessary to ensure that all matters in disp
\hich\af0\dbch\af36\loch\f0 ute in the cause or matter may be effectually and completely determined and adjudicated upon; or}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li2160\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid5731199 {\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\i\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 (ii)\tab}}\pard \ql \li2160\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin2160\itap0\pararsid5731199 {
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
Any person between whom any party to the cause or matter there may exist a question or issue arising out of or relating to or connected with any relief or reme\hich\af0\dbch\af36\loch\f0 dy which in the }{
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 opinion of the Court }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
it would be just and convenient to determine as between him and that party as well as between the parties to the cause or matter.}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 15.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 opinion of the court}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  and }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 just and convenient to determine}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  refers to in the above \hich\af0\dbch\af36\loch\f0 
provision grants the court a discretion, but this discretion is only relating to the addition or substitution before the expiry of the limitation period in terms of the limitation act.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 16.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 It is to be noted that if the }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5187695\charrsid5731199 \hich\af0\dbch\af36\loch\f0 claim}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  is }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5187695\charrsid5731199 \hich\af0\dbch\af36\loch\f0 already}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7228789\charrsid5731199 \hich\af0\dbch\af36\loch\f0  statu}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4660569\charrsid5731199 \hich\af0\dbch\af36\loch\f0 t}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7228789\charrsid5731199 \hich\af0\dbch\af36\loch\f0 e barred in terms \hich\af0\dbch\af36\loch\f0 of the L}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
imitation }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7228789\charrsid5731199 \hich\af0\dbch\af36\loch\f0 A}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ct as }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5187695\charrsid5731199 \hich\af0\dbch\af36\loch\f0 against}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
 the party who is intending to be added or substituted, the provisions contained in the Order 15 rule 6(5) and 6(6) applies and discretion granted in the Order 15 rule 6(2) is }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7228789\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 curtailed}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 . The provision that has to be fulfille\hich\af0\dbch\af36\loch\f0 
d in those circumstances are different from a person who intends to be added when the application is made with in the limitation period.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 17.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The above distinction }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5187695\charrsid5731199 \hich\af0\dbch\af36\loch\f0 for applications}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  made before and after the limitation period,}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6845653\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 is }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5187695\charrsid5731199 \hich\af0\dbch\af36\loch\f0 done with}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  a very sound }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5187695\charrsid5731199 \hich\af0\dbch\af36\loch\f0 reasoning\hich\af0\dbch\af36\loch\f0 ,}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
 as a person who intends to intervene in an action before the expiry of limitation can always file a separate action as oppose to a person who makes an application to intervene after the expiration of the limitation period. So a less stringent attitude }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11680360\charrsid5731199 \hich\af0\dbch\af36\loch\f0 is\hich\af0\dbch\af36\loch\f0  observed}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
 for the parties who come before the court seeking intervention before the expiry of the limitation period as oppose to the more restrictive attitude against the person who seek}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 s}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  addition or substitution after the }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5187695\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 expiry}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  of the limitation period.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 18.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 It is also to be noted by addition or }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5187695\charrsid5731199 \hich\af0\dbch\af36\loch\f0 substitution}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  of a party after the expiry of limitation period, will effectively deprive the other party}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 
\hich\af0\dbch\af36\loch\f0 '}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 s right to plead the limitation against the said added or substituted party and the plea of limitation is generall
\hich\af0\dbch\af36\loch\f0 y available to all the parties who come before it except in the special circumstance that are laid in the }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6097466\charrsid5731199 \hich\af0\dbch\af36\loch\f0 L}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 imitation }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6097466\charrsid5731199 \hich\af0\dbch\af36\loch\f0 A}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ct itself. So, allowing a substitution or addition of a party after the expiration of the limitation period effectively deprives the other
\hich\af0\dbch\af36\loch\f0  party}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
s plea of limitation and High Court Rules of 1988 specifically indicates the instances where such an addition or substitution after the expiry of the limitation period is allowed. The general rule is that such additions or substitutions should not b
\hich\af0\dbch\af36\loch\f0 e allowed after the expiration of the limitation period, but the exceptions are specified very restrictively in Order 15 rule 6(5) and 6(6).}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 19.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Order 15 rule 6 (5) states as follows}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5187695\charrsid5731199 \hich\af0\dbch\af36\loch\f0 :}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
No person shall be added or substituted as a party after the expiry of any \hich\af0\dbch\af36\loch\f0 relevant period of limitation unless either}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5187695\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \loch\af0\dbch\af36\hich\f0 \endash }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 a.\tab}}\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\ilvl1\adjustright\rin0\lin720\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The relevant period was current at the date when proceedings were commenced }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 and}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
it is necessary for the determination of the action that the new party should be added, or substituted,}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  or }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 b.\tab}}\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\ilvl1\adjustright\rin0\lin720\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The relevant period ar\hich\af0\dbch\af36\loch\f0 ises under the provisions of sub }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 paragraph (}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
i) of the proviso to paragraph 4(1)(d) of the Limitation Act and the Court directs that those provisions should not apply to the acti}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 on by or against the new party.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6097466\charrsid5731199 \hich\af0\dbch\af36\loch\f0 (emphasis is added)
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16327163\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 20.\tab}}\pard \ql \fi-566\li1134\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin1134\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 It is clear that the Cour\hich\af0\dbch\af36\loch\f0 t no longer exercises the discretion }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 granted}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
 in the Order 15 rule 6 (2) when the party who intends to substitute makes the application after the expiry of the limitation period and the party who is making the application has to satisfy the court that it }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 is\hich\af0\dbch\af36\loch\f0  \hich\af0\dbch\af36\loch\f0 necessary}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0  for the determination of the action that the new party should be added, or substituted\hich\af0\dbch\af36\loch\f0 .}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 This is }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 a qualification}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  that has to be fulfilled before it is substituted as in this case.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The cause of action has arisen in 2000 and the application for s\hich\af0\dbch\af36\loch\f0 
ubstitution is made only in 2011, that is eleven years after the incident and clearly out of the limitation period for BFL.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 So, in}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
 order to allow the substitution the court must be satisfied that BFL is a }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 necessary party}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  to the action.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li568\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin568\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 21.\tab}}\pard \ql \fi-566\li1134\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin1134\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The word }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 necessa\hich\af0\dbch\af36\loch\f0 ry party}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  is interpreted in an exclusive and very restrictive manner in the Order 15 rule 6 (6) and it states as follows}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0 :}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 "}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
(6) The addition or substitution of a new party shall be treated as necessary for the purposes of paragraph}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11758866\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 (5)(a) }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 if}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 ,}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  and o\hich\af0\dbch\af36\loch\f0 n\hich\af0\dbch\af36\loch\f0 
ly if, \hich\af0\dbch\af36\loch\f0 the Court is satisfied }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 that}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 -}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 a.\tab}}\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin1440\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The new party is a necessary party to the action in that property is vested in him at law or in equity }{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 and}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  the plaintiff}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 s claim in respect of }{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 an equitable interest}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  in that property }{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 is liable to be defeated unless the new party\hich\af0\dbch\af36\loch\f0  is joined}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ;}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  or}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 b.\tab}}\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin1440\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The relevant cause of action is }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
vested in the new party and the plaintiff jointly but not severally}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ;}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0  or }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 c.\tab}}\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin1440\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The new party is the Attorney-}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 General}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  and the proceedings should have been brought by relator proceedings in his name}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 ;}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  or}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 d.\tab}}\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin1440\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The new party\hich\af0\dbch\af36\loch\f0 
 is a company in which the plaintiff is a shareholder and on whose behalf the plaintiff is suing to enforce a right vested in the company}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ;}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  or}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 e.\tab}}\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin1440\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The new party is sued jointly with the defendant and is not also liable severally with him and failure to join the\hich\af0\dbch\af36\loch\f0 
 new party might render the claim unenforceable.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 "}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6097466\charrsid5731199 \hich\af0\dbch\af36\loch\f0 (emphasis is mine)}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6097466 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 22.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 In the affidavit in support }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
of this application for substitution, }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 there is no clear }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 indication}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  as to which scenario described in the Order 15 rule 6(6) (a) to (e) the applicant, BFL can b
\hich\af0\dbch\af36\loch\f0 e }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 included}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 .}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
The written submissions filed by both parties do not address this point and }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 perhaps}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  missed the vital }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 point,}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  in their eloquent oral submissions made at the hearing.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Nevertheless, it is my duty to ascertain whether the present application for s\hich\af0\dbch\af36\loch\f0 
ubstitution of BFL can be included to any of the instances described in Order 15 rule 6(6) (a) to (e).}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 I could not find one as done in the following paragraph and since the list (a) to (e) }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 contained}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
 in Rule 6(6) of Order 15 is exhaustive, the application \hich\af0\dbch\af36\loch\f0 for the subs}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ti}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 t}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0 u}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 tion of BFL should fail }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6097466\charrsid5731199 \hich\af0\dbch\af36\loch\f0 in}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6097466\charrsid5731199 \hich\af0\dbch\af36\loch\f0 limine}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6097466\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ,}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 on that ground alone.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 23.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The scenario described in }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11680360\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Rule 6 (6)}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 (c}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
) is clearly not applicable as the new party is not AG. The scenario in (d), does not apply as the plaintiff is not shareholder of BFL.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The sit\hich\af0\dbch\af36\loch\f0 uation}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 contained in (e)}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 applies when the new party is sued jointly with the Defendant, which again not applicable to this case before me.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
The situation described in (b) above does not arise as it refers to vesting of property jointly, but not severally.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
The scenario described in (a) is also not applicable as there are two requirements to fulfill and they are, that the property should be vested in law or equity and }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 also the plaintiff}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
s claim in respect of an equitable interest in that property is liable to\hich\af0\dbch\af36\loch\f0  be defeated unless the new party is joined}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6097466\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ,}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6097466\charrsid5731199 \hich\af0\dbch\af36\loch\f0  there is no such situation in this case.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6097466\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
There is no such averment in the affidavit in support filed by BFL and in any event Plaintiff has not indicated such a scenario and factually it is not so, on the mater\hich\af0\dbch\af36\loch\f0 ials available to court at this time.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 24.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 It is clear that BFL has taken interest in this action only after }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 expiration}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  of the limitation period, and that seems to be the reason for first application to add as co}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6097466\charrsid5731199 \hich\af0\dbch\af36\loch\f0 -}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 plaintiff or as interested party, which was disa
\hich\af0\dbch\af36\loch\f0 llowed in the Court of Appeal.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
After that}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ,}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
 this application is made for substitution, 11 years after the incident, in order to c}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ircumvent the limitation period,}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  after discharging a loss and subrogation receipt}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6097466\charrsid5731199 \hich\af0\dbch\af36\loch\f0 .}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6097466\charrsid5731199 \hich\af0\dbch\af36\loch\f0 BFL}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 {\*\bkmkstart _GoBack}{\*\bkmkend _GoBack}\hich\af0\dbch\af36\loch\f0  was not interested in a court action ag\hich\af0\dbch\af36\loch\f0 ainst the }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 insurance}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  company, till the expi}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ration of the limitation period}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 .}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 So, under normal circumstances BFL is statu}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11680360\charrsid5731199 \hich\af0\dbch\af36\loch\f0 t}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 e barred from suing on a claim that is clearly }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11680360\charrsid5731199 \hich\af0\dbch\af36\loch\f0 outside limitation period}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
. BFL is trying to do something they could not do directly, in a\hich\af0\dbch\af36\loch\f0 n indirect method and that should not be allowed under the law.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 25.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
Without prejudice to the above legal position I now venture to the objections that were eloquently argued and submitted, by the respective parties, which are relevant to the issue before me.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 26.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 C\hich\af0\dbch\af36\loch\f0 ompromise/Discharge}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5731199 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 a.\tab}}\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\ilvl1\adjustright\rin0\lin720\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 NIA paid BFL $133,000.00 }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 "}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 in full satisfaction, compromise and discharge of all claims for loss and expense sustained to the property insured}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 "}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 .}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 
\hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The evidence of this appears annexure SP-2 to the affidavit of Subashni Prasad for NIA.\hich\af0\dbch\af36\loch\f0  The
\hich\af0\dbch\af36\loch\f0  said }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 loss and subrogation receipt}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0  states }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \loch\af0\dbch\af36\hich\f0 \'85\'85\'85\loch\f0 
\hich\f0  full satisfaction, compromise and discharge of all claims for loss and expenses sustained to property insured under Policy No\'85\'85\loch\f0 \hich\f0 . Renewal Certificate No\'85\'85\loch\f0 .. by reason of DAMAGE DUE TO FIRE}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 which occurred ON 20\hich\af0\dbch\af36\loch\f0 TH MAY 2000}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 and this is a clear acceptance}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ,}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  without any reservation}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ,}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  on the policy number stated in the said receipt.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 b.\tab}}\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\ilvl1\adjustright\rin0\lin720\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 At the outset}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 the legal consequence of }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
loss and subrogation receipt}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 , needs to be understood and I referred MacGillivray on Insurance (9\hich\af0\dbch\af36\loch\f0 t\hich\af0\dbch\af36\loch\f0 
h\hich\af0\dbch\af36\loch\f0  Edi)(Sweet and Maxwell) on that and at page 543 it states as follows}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11616646\charrsid5731199 \hich\af0\dbch\af36\loch\f0 :}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li1418\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1418\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 "}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 22-29 if an }{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 insurer}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  is }{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 liable}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  under }{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14302328\charrsid5731199 \hich\af0\dbch\af36\loch\f0 t}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 he policy for different types }{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11616646\charrsid5731199 \hich\af0\dbch\af36\loch\f0 of}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  loss to the }{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14302328\charrsid5731199 \hich\af0\dbch\af36\loch\f0 a}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
ssure, he must pay for all types of damage before he can b}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14302328\charrsid5731199 \hich\af0\dbch\af36\loch\f0 e subrogated to any particular righ}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15612056\charrsid5731199 \hich\af0\dbch\af36\loch\f0 t}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  of th\hich\af0\dbch\af36\loch\f0 e insured.}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
Thus a motorist may take out a policy covering third party liability, personal injury to himself and injury to his car. The insurer may be liable in all three respects but will not be subrogated to the rights of the assured in respect of damage 
\hich\af0\dbch\af36\loch\f0 to the car unless he h}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14302328\charrsid5731199 \hich\af0\dbch\af36\loch\f0 a}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 s made payment in full in respect of each head of liability under the policy.}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 "}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 

\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5731199 {\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 c.\tab}}\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\ilvl1\adjustright\rin0\lin720\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The Plaintiff as well as BFL tries to sever the insurance}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 policy in to two separate policies but if so why did }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14507701\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
it }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 had only one }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0 policy }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 number, and that sh\hich\af0\dbch\af36\loch\f0 ows it had only one policy and the discharge}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13791268\charrsid5731199 \hich\af0\dbch\af36\loch\f0  and subrogation}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 is for the entire policy.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13791268\charrsid5731199 \hich\af0\dbch\af36\loch\f0 As stated earlier subrogation in Insurance Law cannot be done except the liability as a whole under the policy.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  This is further evidenced from the}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11758866\charrsid5731199 \hich\af0\dbch\af36\loch\f0 subsequent conduct}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  of\hich\af0\dbch\af36\loch\f0 
 BFL, who signed the said loss and subrogation }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13791268\charrsid5731199 \hich\af0\dbch\af36\loch\f0 receipt, accepted the payment made and did }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 not fi}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13791268\charrsid5731199 \hich\af0\dbch\af36\loch\f0 le }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 an action against the Defenda}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 n}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 t or }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13791268\charrsid5731199 \hich\af0\dbch\af36\loch\f0 did }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 not mak}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13791268\charrsid5731199 \hich\af0\dbch\af36\loch\f0 e}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  any effort to intervene in the already pending action filed by the Plaintiff, till 2007.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 
\hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 It is also clear fr\hich\af0\dbch\af36\loch\f0 om the above quotation I quoted from MacGillivray on Insurance (9
\hich\af0\dbch\af36\loch\f0 th\hich\af0\dbch\af36\loch\f0  Edi) that different types of losses do not create separate policies and they are unseverable as regards to the principles of subrogation and subrogation has to be done only after all the c
\hich\af0\dbch\af36\loch\f0 laims were made, and in this instance the singing loss and subrogation receipt by BFL, the clear legal consequence is the full discharge of the cla}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 
\hich\af0\dbch\af36\loch\f0 im by insurance company to BFL.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 d.\tab}}\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\ilvl1\adjustright\rin0\lin720\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 BFL ought to have been aware of this legal position}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16400234\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
 regarding subrogation}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  as\hich\af0\dbch\af36\loch\f0 
 they have filed an action against the Plaintiff in the High Court, after the receipt of the money from the Defendant, subsequent to singing of loss and subrogation receipt against the Plaintiff.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 

\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid14178819\charrsid5731199 \hich\af0\dbch\af36\loch\f0 e.\tab}}\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\ilvl1\adjustright\rin0\lin720\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14178819\charrsid5731199 \hich\af0\dbch\af36\loch\f0 It is also noteworthy, that the Defendant (NIA) did not read\hich\af0\dbch\af36\loch\f0 
ily accepted the liability in this instance and negotiations were done before the said subrogation is signed and in such circumstances BFL would have reasonably known the consequences of the signing of subrogation. That can be safely infer from the subseq
\hich\af0\dbch\af36\loch\f0 u\hich\af0\dbch\af36\loch\f0 ent conduct of BFL.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14178819 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 f.\tab}}\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\ilvl1\adjustright\rin0\lin720\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The Court of Appeal\hich\af0\dbch\af36\loch\f0  in the said }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14178819\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 appeal}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  of }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14178819\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
interim order of Justice Singh}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14178819\charrsid5731199 \hich\af0\dbch\af36\loch\f0 s ruling in }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 this case on the issue of addition of BFL }{\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
as interested party}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ,\hich\af0\dbch\af36\loch\f0  at page 24 paragraph 20 noted the difficulty faced by BFL in view of the Loss and Subrog
\hich\af0\dbch\af36\loch\f0 ation Receipt.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
The Court of Appeal said it was incumbent on BFL to plead how it could get round this with sufficient cogency.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The judge ought to have insisted that in addition to a cogent and clear pleading, the prospect of success would have to be demon
\hich\af0\dbch\af36\loch\f0 strated, possibly by way of affidavit evidence.}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 "\hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1523149\charrsid5731199 \hich\af0\dbch\af36\loch\f0 It should be noted above requirements are more forcefully applicable to a party who intends to be substituted in place of the Plaintiff.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 g.\tab}}\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\ilvl1\adjustright\rin0\lin720\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 It is also important to note that discharge of mortgage to the Plaint\hich\af0\dbch\af36\loch\f0 
iff is alleged as the reason for seeking substitution at this late stage. The Plaintiff did not support an affidavit in support of this contention and BFL has not stated when the mortgage was discharged and no evidence of that has been attached to the aff
\hich\af0\dbch\af36\loch\f0 i\hich\af0\dbch\af36\loch\f0 davit in support of BFL.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 h.\tab}}\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\ilvl1\adjustright\rin0\lin720\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Even if the mortgage is discharged, this is not an }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14178819\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
unforeseeable}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  thing and BFL would have made an application to the court before the expiry of the limitation }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6845653\charrsid5731199 \hich\af0\dbch\af36\loch\f0 period to}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  intervene in this action}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14178819\charrsid5731199 \hich\af0\dbch\af36\loch\f0 , }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6757877\charrsid5731199 \hich\af0\dbch\af36\loch\f0 if it needed }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 to protect its interest\hich\af0\dbch\af36\loch\f0 s. It did not }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11758866\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 make such}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  an }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
application}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  within limitation }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14178819\charrsid5731199 \hich\af0\dbch\af36\loch\f0 period}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 , and now seeking }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14178819\charrsid5731199 \hich\af0\dbch\af36\loch\f0 substation}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 , contrary to law}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14178819\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
, not addressing the legal requirements in terms of the High Court Rules,}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  as I have indicated in my ruling before, in order to overcome the issue of
\hich\af0\dbch\af36\loch\f0  limitation in an indirect method.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 27.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 BFL has not improved its position in any way since its original application,\hich\af0\dbch\af36\loch\f0 
 as I have indicated in my ruling earlier as they have to fulfill the requirements in terms of Order 15 rule 6(6) to add or substitute in this }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ac
\hich\af0\dbch\af36\loch\f0 tion}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  after the expir}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3761486\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
ation of limitation time period.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3761486\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Since }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 this application as well as the earlier application \hich\af0\dbch\af36\loch\f0 that was the subject matter of Court of Appeal Decision
\hich\af0\dbch\af36\loch\f0 , were m}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3761486\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ade outside the limitation time the requirements in Order 15 rule 6 (6) is mandat\hich\af0\dbch\af36\loch\f0 ory.}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 28.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 BFL\hich\af0\dbch\af36\loch\f0  has said nothing of the Loss and Subrogation Receipt in its proposed Amended Statement of Claim.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 It has not provided any evidence of how it would overcome the
\hich\af0\dbch\af36\loch\f0  clear words of the discharge}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1523149\charrsid5731199 \hich\af0\dbch\af36\loch\f0 , and}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0  it has not indicted the legal position of subrogation\hich\af0\dbch\af36\loch\f0  and it is clear that legally, subrogation means full discharge of all different types of loss and the }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 contention}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  of settling of }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 stocks}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  in trade separately will not arise.}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1523149\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 29.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 In the light of the above legal and factual situation and the subsequent conduct of\hich\af0\dbch\af36\loch\f0 
 BFL, it is clear that their position in trial as the Plaintiff (if substitution is granted) is not a strong one and in }{\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
Bank of Credit and Commerce International}{\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
(overseas) Ltd}{\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
(in liquidation) v Habib Bank Ltd}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 (1998) 4 All ER 753 it was held in an applicat\hich\af0\dbch\af36\loch\f0 
ion for setting aside of default judgment that a court ought to have considered the }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 prospects}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  of the applicants merits in the case}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 ,}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  though the judgment was irregular.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 If the said principle is applied to }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3761486\charrsid5731199 \hich\af0\dbch\af36\loch\f0 present }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 case it would seem that the application for\hich\af0\dbch\af36\loch\f0  substitution should not be allowed, considering the subrogation receipt}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 s legal position and the subsequent conduct of BFL.}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 30.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Abuse of Process}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 BFL says at paragraphs 16 of Kumar}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 s affidavit that the appeal to the Supreme Court will be discontinued if there \hich\af0\dbch\af36\loch\f0 is a substitution as prayed.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
What BFL is saying is if it loses this application it will pursue its appeal to the Supreme Court.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 In such an event \hich\af0\dbch\af36\loch\f0 the Defend}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 a}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 nt submitted \hich\af0\dbch\af36\loch\f0 BFL will most probably also seek to appeal the decision if }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3761486\charrsid5731199 \hich\af0\dbch\af36\loch\f0 I}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  refus}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3761486\charrsid5731199 \hich\af0\dbch\af36\loch\f0 e}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  this application \hich\af0\dbch\af36\loch\f0 
and these are all }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1523149\charrsid5731199 \hich\af0\dbch\af36\loch\f0 avenues}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
 of due process and any abuse should be treated with appropriate}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3761486\charrsid5731199 \hich\af0\dbch\af36\loch\f0  orders as to costs or other remedies available in law.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\s16 \lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 31.\tab}}\pard\plain \s16\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 
\fs22\lang1033\langfe1033\loch\af36\hich\af36\dbch\af36\cgrid\langnp1033\langfenp1033 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The applicant without addressing the legal position}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3761486\charrsid5731199 \hich\af0\dbch\af36\loch\f0  contained in High Court Rules of }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0 1988 
\hich\af0\dbch\af36\loch\f0 made}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  this application\hich\af0\dbch\af36\loch\f0 
 to substitute, after the expiration of limitation time can be considered abuse of process.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 It also failed to elicit the legal position regarding the }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 loss and subrogation receipt}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
 and tried to separate the}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3761486\charrsid5731199 \hich\af0\dbch\af36\loch\f0  payment accepted under subrogation from the}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 
\hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3761486\charrsid5731199 \hich\af0\dbch\af36\loch\f0 los\hich\af0\dbch\af36\loch\f0 s of damage to}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 
\hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 building}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 ,}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
 but it is clear that subrogation can occur only after the settling of all the damages included in the insurance policy and this is not revealed to the court by BFL in this application and can be regarded as abuse under the circum
\hich\af0\dbch\af36\loch\f0 stances of this case considering the number of }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 litigations}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  instituted by parties and the amount of delay in this }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 action}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 .}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7228789\charrsid5731199 \hich\af0\dbch\af36\loch\f0 It is clear that subrogation is regarding the policy and not of each type of loss or damage in a particular incident.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\par }\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 \fs22\lang1033\langfe1033\loch\af36\hich\af36\dbch\af36\cgrid\langnp1033\langfenp1033 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\par {\listtext\pard\plain\s16 \b\lang2057\langfe1033\langnp2057\insrsid5519693\charrsid5731199 \hich\af0\dbch\af36\loch\f0 D.\tab}}\pard\plain \s16\ql \fi-567\li567\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls4\adjustright\rin0\lin567\itap0\pararsid5731199 
\fs22\lang1033\langfe1033\loch\af36\hich\af36\dbch\af36\cgrid\langnp1033\langfenp1033 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5519693\charrsid5731199 \hich\af0\dbch\af36\loch\f0 CONCLUSIO}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 N}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \s16\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\s16 \lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 32.\tab}}\pard \s16\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid5731199 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Th\hich\af0\dbch\af36\loch\f0 e application for }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14552490\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
substitution}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  by BFL should be rejected }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 in limine}
{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  as they have failed to satisfy that they are a necessary party in terms of Order 15 rule 6 (5) and 6 (6) of the High Court Rules of 1988.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 This is a paramount consideration as the }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11616646\charrsid5731199 \hich\af0\dbch\af36\loch\f0 substi\hich\af0\dbch\af36\loch\f0 tut\hich\af0\dbch\af36\loch\f0 ion}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0  is sought after the }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15612056\charrsid5731199 \hich\af0\dbch\af36\loch\f0 expiry of }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 limitation period.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
I have also considered suffi}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11616646\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ci}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 ently the legal posit
}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11616646\charrsid5731199 \hich\af0\dbch\af36\loch\f0 i}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 on regarding the }{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 subrogation receipt}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  signed by BFL.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 This }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1523149\charrsid5731199 \hich\af0\dbch\af36\loch\f0 document }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 
is an admitted fact between the parties and now BFL seeks to interpret the said d\hich\af0\dbch\af36\loch\f0 ocument against the accepted legal principles in }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15612056\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 Insurance L}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 aw.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The application for substitution is nothing but an indirect method, to make a claim after the expiration of limitation period after }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15612056\charrsid5731199 \hich\af0\dbch\af36\loch\f0 accepting a payment by the Defenda}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1523149\charrsid5731199 \hich\af0\dbch\af36\loch\f0 n}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15612056\charrsid5731199 \hich\af0\dbch\af36\loch\f0 t}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 for full satisfaction\hich\af0\dbch\af36\loch\f0 
, compromise and discharge of all claims for loss and expenses sustained to property insured under Policy}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0 '}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 . In the circumstances the application for substitution is rejected and summons for the substitution }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16072661\charrsid5731199 \hich\af0\dbch\af36\loch\f0 dated 12\hich\af0\dbch\af36\loch\f0 th\hich\af0\dbch\af36\loch\f0  January 2011 }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 
\hich\af0\dbch\af36\loch\f0 is struck out.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Consideri
\hich\af0\dbch\af36\loch\f0 ng the circumstances of this case I will order a cost of $1,500.00 against the applicant BFL to be paid to the Defendant.
\par }\pard\plain \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 \fs22\lang1033\langfe1033\loch\af36\hich\af36\dbch\af36\cgrid\langnp1033\langfenp1033 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7088373\charrsid5731199 
\par }\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 \fs22\lang1033\langfe1033\loch\af36\hich\af36\dbch\af36\cgrid\langnp1033\langfenp1033 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The Court Orders as follows}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11616646\charrsid5731199 \hich\af0\dbch\af36\loch\f0 :}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5731199\charrsid5731199 
\par {\listtext\pard\plain\i\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 a.\tab}}\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls7\adjustright\rin0\lin720\itap0\pararsid5731199 {
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 The application for }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7088373\charrsid5731199 \hich\af0\dbch\af36\loch\f0 substitution
\hich\af0\dbch\af36\loch\f0  }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 is st}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16072661\charrsid5731199 \hich\af0\dbch\af36\loch\f0 r}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 uck out.
\par {\listtext\pard\plain\i\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 b.\tab}\hich\af0\dbch\af36\loch\f0 The applicant Brightspot Fashion Limited}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid788107\charrsid5731199 \hich\af0\dbch\af36\loch\f0  }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10757544\charrsid5731199 \hich\af0\dbch\af36\loch\f0 (BFL) to pay a \hich\af0\dbch\af36\loch\f0 
cost of $1500.00 as the cost of this application assessed summarily.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11616646\charrsid5731199 
\par }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11616646\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Dated}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11616646\charrsid5731199 \hich\af0\dbch\af36\loch\f0  at }{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11616646\charrsid5731199 \hich\af0\dbch\af36\loch\f0 Suva}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11616646\charrsid5731199 \hich\af0\dbch\af36\loch\f0  this }{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11616646\charrsid5731199 \hich\af0\dbch\af36\loch\f0 10\hich\af0\dbch\af36\loch\f0 th\hich\af0\dbch\af36\loch\f0  day}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11616646\charrsid5731199 
\hich\af0\dbch\af36\loch\f0  of }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11616646\charrsid5731199 \hich\af0\dbch\af36\loch\f0 August, 2011}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11754413\charrsid5731199 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11616646\charrsid5731199 
\par }\pard\plain \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5731199 \fs22\lang1033\langfe1033\loch\af36\hich\af36\dbch\af36\cgrid\langnp1033\langfenp1033 {
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8001756\charrsid5731199 \loch\af0\dbch\af36\hich\f0 \'85\loch\f0 .}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11616646\charrsid5731199 \loch\af0\dbch\af36\hich\f0 \'85\'85\'85\'85\'85\'85\'85\'85\'85
\'85\loch\f0 ..
\par \hich\af0\dbch\af36\loch\f0 Mr. D. Amaratunga
\par \hich\af0\dbch\af36\loch\f0 Acting Master of the High Court
\par \hich\af0\dbch\af36\loch\f0 Suva
\par }}