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\fs22\lang1033\langfe1033\loch\af36\hich\af36\dbch\af36\cgrid\langnp1033\langfenp1033 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 \hich\af0\dbch\af36\loch\f0 IN THE HIGH COURT OF FIJI}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8979083\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 \hich\af0\dbch\af36\loch\f0 AT SUVA
\par \hich\af0\dbch\af36\loch\f0 CIVIL JURISDICTION
\par }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 \hich\af0\dbch\af36\loch\f0 C}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8979083\charrsid7473537 \hich\af0\dbch\af36\loch\f0 IVIL ACTION NO. }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 \hich\af0\dbch\af36\loch\f0 HBC }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8979083\charrsid7473537 \hich\af0\dbch\af36\loch\f0 285}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5335002\charrsid7473537 \hich\af0\dbch\af36\loch\f0  o}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 \hich\af0\dbch\af36\loch\f0 f 20}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8979083\charrsid7473537 \hich\af0\dbch\af36\loch\f0 09}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 
\par 
\par \hich\af0\dbch\af36\loch\f0 BETWEEN}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 \hich\af0\dbch\af36\loch\f0 :}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537\charrsid7473537 
\par }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537\charrsid7473537 
\par }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8979083\charrsid7473537 \hich\af0\dbch\af36\loch\f0 NATIONAL BANK OF FIJI LIMITED}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8979083\charrsid7473537 \hich\af0\dbch\af36\loch\f0 trading as }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8979083\charrsid7473537 \hich\af0\dbch\af36\loch\f0 COLONIAL NATIONAL BANK}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8979083\charrsid7473537 \hich\af0\dbch\af36\loch\f0 a body corporate duly constituted under the Companies \hich\af0\dbch\af36\loch\f0 A\hich\af0\dbch\af36\loch\f0 ct\hich\af0\dbch\af36\loch\f0 
 Cap 247 of Level 10, }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8979083\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Suva Central \hich\af0\dbch\af36\loch\f0 Building, CNR. Off Renwick and Pratt Street\hich\af0\dbch\af36\loch\f0 , Suva, Fiji}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1844900\charrsid7473537 \hich\af0\dbch\af36\loch\f0 .}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 \hich\af0\dbch\af36\loch\f0 PLAINTIFF
\par 
\par \hich\af0\dbch\af36\loch\f0 AND\hich\af0\dbch\af36\loch\f0 :}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537\charrsid7473537 
\par }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537\charrsid7473537 
\par }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8979083\charrsid7473537 \hich\af0\dbch\af36\loch\f0 NAVIN PRASAD }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8979083\charrsid7473537 \hich\af0\dbch\af36\loch\f0 (f/n Kewal Prasad) of Flat 6, 10 Vunivalu Road, }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8979083\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Toorak, Fiji, Businessman}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11614765\charrsid7473537 \hich\af0\dbch\af36\loch\f0 .}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 
\par \hich\af0\dbch\af36\loch\f0 DEFENDANT
\par }\pard \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7473537 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 
\par }\pard \s15\ql \fi-1701\li1701\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1701\itap0\pararsid7473537 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 \hich\af0\dbch\af36\loch\f0 BEFORE}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 \hich\af0\dbch\af36\loch\f0 :}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 
\hich\af0\dbch\af36\loch\f0  }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Master Deepthi Amaratunga
\par \hich\af0\dbch\af36\loch\f0 COUNSELS}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 \hich\af0\dbch\af36\loch\f0 :}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14182060\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Mr.}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10844637\charrsid7473537 \hich\af0\dbch\af36\loch\f0  P.Sharma of R. Patel Lawyer\hich\af0\dbch\af36\loch\f0 s }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1844900\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 for the}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1844900\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Plaintiff 

\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10844637\charrsid7473537 \hich\af0\dbch\af36\loch\f0 T}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1844900\charrsid7473537 \hich\af0\dbch\af36\loch\f0 he }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Defendant}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10844637\charrsid7473537 \hich\af0\dbch\af36\loch\f0  In Person.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 \hich\af0\dbch\af36\loch\f0  
\par 
\par }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Date of Hearing}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7540112\charrsid7473537 \hich\af0\dbch\af36\loch\f0 :}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5840825\charrsid7473537 \hich\af0\dbch\af36\loch\f0 24\hich\af0\dbch\af36\loch\f0 th\hich\af0\dbch\af36\loch\f0  August}
{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 \hich\af0\dbch\af36\loch\f0 , 2011}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 
\par \hich\af0\dbch\af36\loch\f0 Date of Ruling}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid79434\charrsid7473537 \hich\af0\dbch\af36\loch\f0 :}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5840825\charrsid7473537 \hich\af0\dbch\af36\loch\f0 3\hich\af0\dbch\af36\loch\f0 rd\hich\af0\dbch\af36\loch\f0  October}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 , 2011}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 
\par }\pard \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7473537 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5783703\charrsid7473537 
\par }\pard \s15\qc \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1852154 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 RULING}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 
\par }\pard \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1852154 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 
\par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 A.\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls15\adjustright\rin0\lin0\itap0\pararsid1852154 
\fs22\lang1033\langfe1033\loch\af36\hich\af36\dbch\af36\cgrid\langnp1033\langfenp1033 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 INTRODUCTION}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1852154 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1852154\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 1.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid1852154 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 The Plaintiff has filed the summons to enter summary judgment against the Defendant. The claim of the Plainti\hich\af0\dbch\af36\loch\f0 
ff is for a sum of $ }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 124,382.64 and}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10844637\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 for interest of 9.25 % annual interest from the 31\hich\af0\dbch\af36\loch\f0 st\hich\af0\dbch\af36\loch\f0  May, 2008 }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
and no documentary evidence of that }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10844637\charrsid7473537 \hich\af0\dbch\af36\loch\f0 alleged remaining debt}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 
\hich\af0\dbch\af36\loch\f0  is submitted. The Plaintiff admitted th}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10844637\charrsid7473537 \hich\af0\dbch\af36\loch\f0 at}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 
\hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 loans were}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10844637\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 given to him }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10844637\charrsid7473537 \hich\af0\dbch\af36\loch\f0 by the Plaintiff }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 and also admitt\hich\af0\dbch\af36\loch\f0 ed default. He specifically }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10844637\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 denies}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 the stated amount in the claim and puts the Plaintiff to strict proof of the amount. He also alleges some personal difficulties due to a family dispute with the }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10844637\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 estranged }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4282412\charrsid7473537 \hich\af0\dbch\af36\loch\f0 spouse, which has resulted in}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 
\hich\af0\dbch\af36\loch\f0  divorce and }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10844637\charrsid7473537 \hich\af0\dbch\af36\loch\f0 alleges}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 the provisions contained in }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Section 66}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  of the }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Consumer Credit Act}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10844637\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10844637\charrsid7473537 \hich\af0\dbch\af36\loch\f0 was not followed by the Plaintiff}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid1852154 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1852154 {\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1852154\charrsid7473537 
\par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 B.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls15\adjustright\rin0\lin0\itap0\pararsid1852154 {
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 FACTS}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1852154 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1852154\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 2.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid1852154 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 The Plaintiff has filed this action for recovery of money allegedly due to default of three loans granted to the Defendant.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1852154 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1852154\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 3.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid1852154 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 The Defendant has filed a\hich\af0\dbch\af36\loch\f0  statement of defence on }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 14\hich\af0\dbch\af36\loch\f0 th\hich\af0\dbch\af36\loch\f0  October}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14182060\charrsid7473537 \hich\af0\dbch\af36\loch\f0 , 2009}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  and\hich\af0\dbch\af36\loch\f0  the Plaintiff has filed this application for summary judgment }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3095155\charrsid7473537 \hich\af0\dbch\af36\loch\f0 on 31\hich\af0\dbch\af36\loch\f0 st\hich\af0\dbch\af36\loch\f0  August}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14182060\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 , 2010}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3095155\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
and parties have filed their respective affidavits}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3095155\charrsid7473537 \hich\af0\dbch\af36\loch\f0  and also submissions.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1852154 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1852154\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 4.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid1852154 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 The parties admit that the Plaintiff had been grante\hich\af0\dbch\af36\loch\f0 
d three loans at different dates, amounting $420,000 at 9.5% per annum interest rate, to the Defendant as stated in the }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 paragraph 3}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  of the }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 statement of claim}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 .}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1852154 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1852154\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 5.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid1852154 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 The Defendant has also admitted in his statement of defence, the two securities that were submitt\hich\af0\dbch\af36\loch\f0 
ed to the Plaintiff for the said loans and the mortgagee sale of the said properties upon default and recovery of money by the Plaintiff as stated in }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
paragraphs 5 and 6 }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 of the }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 statement of claim.}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1852154 {\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1852154\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 6.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid1852154 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 The Defendant in his statement of defence, denies}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3095155\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14182060\charrsid7473537 \hich\af0\dbch\af36\loch\f0 that the}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  o\hich\af0\dbch\af36\loch\f0 
utstanding debt as at 31\hich\af0\dbch\af36\loch\f0 st\hich\af0\dbch\af36\loch\f0  May, 2009 }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3095155\charrsid7473537 \hich\af0\dbch\af36\loch\f0 was}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 $124,382.64 and puts the Plaintiff to the strict proof and no materials were submitted either with the affidavit in support of this application or even with the affidavit in reply to the affidavit in opposition file\hich\af0\dbch\af36\loch\f0 
d by the Defendant justifying the claim of $ 124,382.64.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1852154 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1852154\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 7.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid1852154 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 The Defendant also state that the Plaintiff }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 did not}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 comply}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  with the }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Section 66}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  of the }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Consumer Credit Act,}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  since he was in financial difficulty due to a personal difficulty }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3095155\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 due to a estranged spouse }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 and he had also informed this}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3095155\charrsid7473537 \hich\af0\dbch\af36\loch\f0  difficulty}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 to the Plaintiff.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1852154 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1852154\charrsid7473537 
\par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 C.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls15\adjustright\rin0\lin0\itap0\pararsid1852154 {
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Law }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1852154 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1852154\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 8.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid1852154 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 The law relating to summary judgment is contained in }{\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 Order 14}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  of the }{\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
High Court Rules of 1988 }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 and it states as follows}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1852154 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1852154\charrsid7473537 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 '}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 1(1}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10844637\charrsid7473537 \hich\af0\dbch\af36\loch\f0 )}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10844637\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Where}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 in an action to which this rule applies a statement of clai\hich\af0\dbch\af36\loch\f0 m has been served on a defendant and that defendant has given notice of intention to defend the action, the plaintiff may, on the ground that that defendant has no }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0 deface}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 to a claim included in the writ, or to a particular part of such a claim, or has no }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0 d\hich\af0\dbch\af36\loch\f0 eface}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  to such a acclaim or part except as to the amount of any damages }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10844637\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 claimed,}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  apply to the Court for judgment against that defendant.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 

\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1852154\charrsid7473537 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 \hich\f0 (2)\'85\loch\f0 ..}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1852154\charrsid7473537 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 \hich\f0 (3)\'85\loch\f0 ..}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1852154\charrsid7473537 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 2(1)}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 An application under rule 1 }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
must be made by summons supported by an affidavit }{\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 verifying the facts}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 
\hich\af0\dbch\af36\loch\f0  o\hich\af0\dbch\af36\loch\f0 n which the claim or the part of a claim to which the application relates}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0  is base}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7822704\charrsid7473537 \hich\af0\dbch\af36\loch\f0 d}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0  an}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7822704\charrsid7473537 \hich\af0\dbch\af36\loch\f0 d}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0  stating that}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  in the }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0 deponent}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 '}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0 s}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  belief }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0 there}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  is not defe}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7822704\charrsid7473537 \hich\af0\dbch\af36\loch\f0 n}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 ce to that claim or part, as}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 the case may be or no defe}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7822704\charrsid7473537 \hich\af0\dbch\af36\loch\f0 n}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 ce except as to the }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10581773\charrsid7473537 \hich\af0\dbch\af36\loch\f0 a}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 mo}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10581773\charrsid7473537 \hich\af0\dbch\af36\loch\f0 u}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 nt of any damages claimed.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1852154\charrsid7473537 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 (2)}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14182060\charrsid7473537 \tab }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Unless the }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Court}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  otherwise directs, an affidavit for the }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0 purposes}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  of this rule may contain }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0 statements}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 of information or belief with the sources and grounds thereof.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1852154\charrsid7473537 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 (3)}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 The summons, a copy }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2710006\charrsid7473537 \hich\af0\dbch\af36\loch\f0 of the}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  affidavit in support and of any exhibits referred to there\hich\af0\dbch\af36\loch\f0 in must be served on the defendant not less than 10 }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2710006\charrsid7473537 \hich\af0\dbch\af36\loch\f0 clear}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  days before the return day.
\par 
\par \hich\af0\dbch\af36\loch\f0 3(1) }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4020734\charrsid7473537 \tab }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
Unless on the hearing of an application under rule 1, }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 either the Court dismisses the application}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  or the }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
defendant satisfies the Court with respect to the claim, or\hich\af0\dbch\af36\loch\f0  the part of a claim, to which the application relates that there is an issue or question in dispute which out to be tried }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 or that there ought for some other reason to be a trial of that claim or part, the Court may give such judgment for the plaintiff aga
\hich\af0\dbch\af36\loch\f0 inst that defendant on that claim or part, the Court may give such judgment for the plaintiff against that defendant on that claim or part as may be just having regard to the nature of the remedy or relief claimed.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1852154 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1852154\charrsid7473537 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1852154 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 (2)}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4020734\charrsid7473537 \tab }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 The Court may be order, and subject\hich\af0\dbch\af36\loch\f0  to such conditions}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 ,}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  if any as may be just stay execution of any judgment given against a defendant under this rule }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2710006\charrsid7473537 \hich\af0\dbch\af36\loch\f0 a until}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  after that }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2710006\charrsid7473537 \hich\af0\dbch\af36\loch\f0 t}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
rial of any counterclaim made or raised by the defendant in the action.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9329982 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 9.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid9329982 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 It is a preliminary requirement that the Plain\hich\af0\dbch\af36\loch\f0 tiff has to file th}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10581773\charrsid7473537 \hich\af0\dbch\af36\loch\f0 e}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  application}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10581773\charrsid7473537 \hich\af0\dbch\af36\loch\f0  for summary judgment,}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  \hich\af0\dbch\af36\loch\f0 
supported by an affidavit verifying the facts on which the claim or the part of a claim to which the application relates\hich\af0\dbch\af36\loch\f0  and the claim}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10581773\charrsid7473537 
\hich\af0\dbch\af36\loch\f0  in this }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 action is}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 clearly the }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10581773\charrsid7473537 \hich\af0\dbch\af36\loch\f0 remaining debt of the Defendant afte\hich\af0\dbch\af36\loch\f0 
r the mortgagee sale of the securities and money recovered from the said sale.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9329982 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9329982\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 10.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid9329982 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 The Plaintiff has not adduced any documentary evidence to support its claim }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 for \hich\af0\dbch\af36\loch\f0 $}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  124,382.64.\hich\af0\dbch\af36\loch\f0 
 The only evidence is a mere statement of the affidavit in support}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 of
}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Vandana Naray\hich\af0\dbch\af36\loch\f0 
an which state as follows}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9329982 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9329982\charrsid7473537 
\par }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 '}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 That as at 31 May, 2009 the }{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Plaintiff}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 '}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0 s}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 loan amount stood at $124,382.64 with interest continuing to }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10581773\charrsid7473537 \hich\af0\dbch\af36\loch\f0 accrue}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 
\hich\af0\dbch\af36\loch\f0  on the said amount at the rate }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0 of}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 
\hich\af0\dbch\af36\loch\f0  9.5% per annum.}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 '}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9329982 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 11.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid9329982 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 No }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0 documentary}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  evidence of the outstanding}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10581773\charrsid7473537 \hich\af0\dbch\af36\loch\f0  amounts in}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  loan}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10581773\charrsid7473537 \hich\af0\dbch\af36\loch\f0 s,}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  except t\hich\af0\dbch\af36\loch\f0 
he demand notice marked VN9 to the said affidavit of Vandana Narayan is produced and the amount stated in the said demand notice dated 20\hich\af0\dbch\af36\loch\f0 th\hich\af0\dbch\af36\loch\f0  October}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0 , }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 2008 is}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 understandably,}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  not the amount claimed in the statement of claim. }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
It is to be noted that the said d\hich\af0\dbch\af36\loch\f0 efault notice is only regarding }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 '}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10581773\charrsid7473537 \hich\af0\dbch\af36\loch\f0 H}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 ome Loan Agreement dated 2
\hich\af0\dbch\af36\loch\f0 nd\hich\af0\dbch\af36\loch\f0  June}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 , 2004}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 , Account Number 4310917 }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 and the amount indicted on the }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15948378\charrsid7473537 \hich\af0\dbch\af36\loch\f0 said demand notice was an }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 outstanding amount as at 20
\hich\af0\dbch\af36\loch\f0 th\hich\af0\dbch\af36\loch\f0  October, 2008}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15948378\charrsid7473537 \hich\af0\dbch\af36\loch\f0 . }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9329982 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9329982 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9329982 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15948378\charrsid7473537 \hich\af0\dbch\af36\loch\f0 According to said letter}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  Account Number 4310917 was 
}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15948378\charrsid7473537 \hich\af0\dbch\af36\loch\f0 ove\hich\af0\dbch\af36\loch\f0 rdue by }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 $}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 117,282.11 and}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  this evidence does not prove the }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0 outstanding}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  d}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10581773\charrsid7473537 \hich\af0\dbch\af36\loch\f0 ebt for }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10581773\charrsid7473537 \hich\af0\dbch\af36\loch\f0 all three loan accounts}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10581773\charrsid7473537 \hich\af0\dbch\af36\loch\f0  and the amount }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10581773\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
stated in the claim has not been calculated}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10581773\charrsid7473537 \hich\af0\dbch\af36\loch\f0  and proved as alleged by the Plaintiff. There is not even a demand notice by the lawyers to the
\hich\af0\dbch\af36\loch\f0  amount stated in the }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4282412\charrsid7473537 \hich\af0\dbch\af36\loch\f0 claim and no materials we}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 re produce}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4282412\charrsid7473537 \hich\af0\dbch\af36\loch\f0 d}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 to prove the amount claimed.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 
\par 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 12.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid9329982 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 In the case of }{\i\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 FDB v Michael Desond}{
\i\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid280614\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\i\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Benefie}{
\i\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 l}{\i\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 d}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  Civil Action No 123 of 1995}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Justice}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 M.D.Scott held}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 that without any evidence of calculation of the amount claimed the sum\hich\af0\dbch\af36\loch\f0 mary judgment application should be }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 dismissed. It}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  was held in that judgment}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 
\par }\pard\plain \s16\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9329982 \fs22\lang1033\langfe1033\loch\af36\hich\af36\dbch\af36\cgrid\langnp1033\langfenp1033 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 
\par }\pard\plain \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9329982 \fs22\lang1033\langfe1033\loch\af36\hich\af36\dbch\af36\cgrid\langnp1033\langfenp1033 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 
\hich\af0\dbch\af36\loch\f0 "}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0 The power to grant summary judgment is }{\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 
\hich\af0\dbch\af36\loch\f0 "}{\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0 intended only to apply to cases }{\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 where}{\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  there is no reasonable doubt that a plaintif}{
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 f is entitled to Judgment a}{\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0 n}{
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 d}{\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  were therefore it is inexp
\hich\af0\dbch\af36\loch\f0 edient to allow a Defendant to defend for the }{\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 purpose}{
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  of delay}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 "}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0 ( Jones v Stone [1894] AC 122).\hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 Where}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  the subject matter of }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 the}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  action is a claim of indebtedness then a mere general denial will }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 not}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  suffice and the grounds on }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 which}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  a }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Defendant}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 denies}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  indebte\hich\af0\dbch\af36\loch\f0 
dness must be revealed. }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0 (Walligfor v Mutual Society (1880) App. Cas. 685).
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 
\par \hich\af0\dbch\af36\loch\f0 If the }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Defendant}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 '}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 s}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  Defence simply denying the debt }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 were}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  all that was before }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 me (even}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 if accompanied by a verifying affidavit) then the }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Defendant}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 
\hich\af0\dbch\af36\loch\f0  would not be entitled to defend. Th\hich\af0\dbch\af36\loch\f0 e inconsistencies between the affidavits and the Defence are certainly }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 stern}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  but mere implausibility or inconsistency is not a ground for }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 granting}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  summary }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 judgment. }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
(Paclantic Financing Co. Inc v Moscow Narodny Bank Ltd}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 . [}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 1983] 1 WLR 106)}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  and leave to defe\hich\af0\dbch\af36\loch\f0 nd should ordinarily be }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 given}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 where}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 there is a reasonable ground for an enquiry or account to ascertain the precise amount }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 owed (}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Contract Discount Corp. Ltd v. }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5654459\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Furlong [}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0 1948] 1 All ER 274}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0 ). }{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 "}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9329982 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0 13.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid9329982 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0 It is clear that a mere demand notice is not sufficient under t\hich\af0\dbch\af36\loch\f0 he circum}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4282412\charrsid7473537 \hich\af0\dbch\af36\loch\f0 stances of this case and even}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 the said demand notice do not relate to all the debts as alleged in the statement of}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 claim and only relate to one account number and the amount stated in the said demand not\hich\af0\dbch\af36\loch\f0 ice is not the same as the claim.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9329982 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9329982\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0 14.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid9329982 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0 In the said case }{\i\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0 FDB v Michael Desond Benefie}{
\i\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 l}{\i\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0 d}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0  Civil Action No 123 of 1995 }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Justice}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 \hich\af0\dbch\af36\loch\f0 M.D.Scott further}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0  held}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9329982 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9329982\charrsid7473537 
\par }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 '}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \loch\af0\dbch\af36\hich\f0 \'85\loch\f0 
. No copies of any bank books have been revealed at all }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 in}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 
\hich\af0\dbch\af36\loch\f0  }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 t}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0 h}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 e}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 affidavits and no copies of bank statements or oth\hich\af0\dbch\af36\loch\f0 er documents were apparently attached to the requests for repayments. The copy mortgage exhibited to the Bank}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 
\hich\af0\dbch\af36\loch\f0 '}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0 s first affidavit are evidence }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 of}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0  securities }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 taken}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0  but not of advance made. No calculation justifying almost $16,000 of interest claimed has been \hich\af0\dbch\af36\loch\f0 disclosed.}{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 '}{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9329982 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0 15.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid9329982 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0 This clearly demonstrate the necessity to provide }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
documentary}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0  proof of the claim namely the alleged debt }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11694916\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 after the mortgagee sales were completed and moneys were }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 recovered}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11694916\charrsid7473537 \hich\af0\dbch\af36\loch\f0 ,}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 as the Defendant has already admitted the receipt of the loans and has\hich\af0\dbch\af36\loch\f0  also admitted the Default}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11694916\charrsid7473537 \hich\af0\dbch\af36\loch\f0  of them.}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15948378\charrsid7473537 \hich\af0\dbch\af36\loch\f0  No bank statements were produced as evidence annexed to the affidavit in support.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9248730 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9329982 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9329982\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 \hich\af0\dbch\af36\loch\f0 16.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid9329982 {
\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Carpenters Fiji Ltd v Joes Farm Produce Ltd}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 [2006] FJCA 60; ABU0019U.2006S (10 November 2006) }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12005746\charrsid7473537 \hich\af0\dbch\af36\loch\f0 the Court of Appeal of}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 
\hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Fiji quoted the }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Whit
\hich\af0\dbch\af36\loch\f0 e Book of 1999}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 \hich\af0\dbch\af36\loch\f0  and stated}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12005746\charrsid7473537 \hich\af0\dbch\af36\loch\f0 in the }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12005746\charrsid7473537 \hich\af0\dbch\af36\loch\f0 paragraph [22]}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12005746\charrsid7473537 \hich\af0\dbch\af36\loch\f0  as follows}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1775537\charrsid7473537 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9329982 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 "}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Summary Judgment Principles}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 
\par 
\par \hich\af0\dbch\af36\loch\f0 [21] Here it is timely to state some of the well established principles relating to the entry of summary judgment:
\par 
\par \hich\af0\dbch\af36\loch\f0 (a)}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
The purpose of 0.14 is to enable a plainti\hich\af0\dbch\af36\loch\f0 ff to obtain summary judgment without trial if he can prove his claim clearly}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 and if the defendant is unable to set up, a bona fide defence or raise an issue against the claim which ought to be tried.
\par 
\par \hich\af0\dbch\af36\loch\f0 (b) }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 \tab }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
The defendant may show cause against a plaintiff}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 '}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
s claim on the merits e.g. that he has a good defence to the claim on the merits or there is a dispute as to the facts which ought to be tried or there is a difficult point of law involved. 
\par 
\par \hich\af0\dbch\af36\loch\f0 (c)}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 \tab }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 It is generally incumbent on a defendant resisting summary \hich\af0\dbch\af36\loch\f0 judgment, to file an affidavit which deals specifically with the plaintiff}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 '}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 \hich\af0\dbch\af36\loch\f0 s claim and affidavit and states clearly and precisely what the defence is and what facts are relied on to support it. 
\par 
\par \hich\af0\dbch\af36\loch\f0 (d) }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 \tab }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
Set off, which is a monetary cross claim for a debt due\hich\af0\dbch\af36\loch\f0 
 from the plaintiff, is a defence. A defendant is entitled to unconditional leave to defend up to the amount of the set off claimed. If there is a set off at all, each claim goes against the other and either extinguishes or reduces it Hanak v. Green (1958
\hich\af0\dbch\af36\loch\f0 )\hich\af0\dbch\af36\loch\f0  2 QB 9 at page 29 per Sellers LJ. 
\par 
\par \hich\af0\dbch\af36\loch\f0 (e)}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 \tab }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 Likewise where a defendant sets up a bona fide counter claim arising out of the same subject matter of the action, and connected with the grounds of defence, the order should not be for judgment on the claim subjec\hich\af0\dbch\af36\loch\f0 
t to a stay of execution pending the trial of the counter claim but should be for unconditional leave to defend, even if the defendant admits whole or part of the claim. }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 Morgan and Son Ltd v. S. Martin Johnson Co (1949) 1 KB 107(CA).
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 
\par \hich\af0\dbch\af36\loch\f0 See 1991 The Supreme \hich\af0\dbch\af36\loch\f0 Practice Vol 1 especially at pages 146,147,152 and 322.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 "}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4653408\charrsid7473537 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9329982 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15948378\charrsid7473537 \hich\af0\dbch\af36\loch\f0 (emphasis is mine)}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15948378 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9329982\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 \hich\af0\dbch\af36\loch\f0 17.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid9329982 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 \hich\af0\dbch\af36\loch\f0 So,}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12005746\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 it is pertinent to note that even in an action for recovery of debt to a financial institute a mere statement of the sum as the debt owe to them is not sufficient proof as requ\hich\af0\dbch\af36\loch\f0 ired in the provisions contained in }{
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12005746\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Order 14 rule 2(1)}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12005746\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 and the burden of proving the claim clearly rests fairly and squarely on the Plaintiff and the Plaintiff in this action has failed to do so.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12005746 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9329982 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9329982\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid11170326\charrsid7473537 \hich\af0\dbch\af36\loch\f0 18.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid9329982 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11170326\charrsid7473537 \hich\af0\dbch\af36\loch\f0 In the case of }{\i\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid14182060\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Dominion}{
\i\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid11170326\charrsid7473537 \hich\af0\dbch\af36\loch\f0  Finance Limited V Sddio Faizal Koya}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11170326\charrsid7473537 \hich\af0\dbch\af36\loch\f0  
\hich\af0\dbch\af36\loch\f0 Civil Action No HBC 193 of 2009 }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14182060\charrsid7473537 \hich\af0\dbch\af36\loch\f0 decided}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11170326\charrsid7473537 
\hich\af0\dbch\af36\loch\f0  on 20\hich\af0\dbch\af36\loch\f0 th\hich\af0\dbch\af36\loch\f0  August, 2010 which was relied by the Plaintiff}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 ,}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11170326\charrsid7473537 \hich\af0\dbch\af36\loch\f0  Master Anare at paragraph 14 stated as follows}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11170326 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9329982 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9329982\charrsid7473537 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 '}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11170326\charrsid7473537 \hich\af0\dbch\af36\loch\f0 The Plaintiff must prove each claim clearly}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11170326\charrsid7473537 \hich\af0\dbch\af36\loch\f0  and to }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4468594\charrsid7473537 \hich\af0\dbch\af36\loch\f0 satisfy}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11170326\charrsid7473537 \hich\af0\dbch\af36\loch\f0  the Court that the defendant has no defence w}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8656899\charrsid7473537 \hich\af0\dbch\af36\loch\f0 hi}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11170326\charrsid7473537 \hich\af0\dbch\af36\loch\f0 ch ha\hich\af0\dbch\af36\loch\f0 
s any realistic prospect of success. Once the Plaintiff establishes his or her claim, the evidential and persuasive burden then shifts to the }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14182060\charrsid7473537 \hich\af0\dbch\af36\loch\f0 defendant}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8656899\charrsid7473537 \hich\af0\dbch\af36\loch\f0  who m}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11170326\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
ust adduce affidavit evidence dealing specifically with the plaintiffs claim and also stating }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8656899\charrsid7473537 \hich\af0\dbch\af36\loch\f0 clear\hich\af0\dbch\af36\loch\f0 ly}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11170326\charrsid7473537 \hich\af0\dbch\af36\loch\f0  what the defence is and what facts he or she relies on to }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8656899\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 resist}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11170326\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 the entry of summary judgment(see Magan Lal brothers Ltd v L.B. Masters & Company Civil Appeal No 31/84 and Carpenters Fiji ltd v Joes Farm Produce Ltd; see also}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4468594\charrsid7473537 
\hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3827826\charrsid7473537 \hich\af0\dbch\af36\loch\f0 comments}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4468594\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 of Thomas J in Hi\hich\af0\dbch\af36\loch\f0 biscus Shopping Town Pty Ltd v Woolworths Ltd(1993) FLR 106 at 109}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0 "}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11170326\charrsid7473537 
\par }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4468594\charrsid7473537 \hich\af0\dbch\af36\loch\f0 (emphasis is added)}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4468594 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9329982 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9329982\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid12005746\charrsid7473537 \hich\af0\dbch\af36\loch\f0 19.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid9329982 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12005746\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Since the Plaintiff has failed to }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1925785\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
fulfill the preliminary requirements as stated in the Order 14 rule 2(1) and it had not proved the claimed amount and the }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15948378\charrsid7473537 \hich\af0\dbch\af36\loch\f0 no }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 \hich\af0\dbch\af36\loch\f0 calculati\hich\af0\dbch\af36\loch\f0 ons}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15948378\charrsid7473537 \hich\af0\dbch\af36\loch\f0  are produced
}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1925785\charrsid7473537 \hich\af0\dbch\af36\loch\f0  and how it arrived at the amount of \hich\af0\dbch\af36\loch\f0 $124,382.64\hich\af0\dbch\af36\loch\f0  as at 31\hich\af0\dbch\af36\loch\f0 st
\hich\af0\dbch\af36\loch\f0  May, 2008}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2900599\charrsid7473537 \hich\af0\dbch\af36\loch\f0  is not clear.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1925785\charrsid7473537 \hich\af0\dbch\af36\loch\f0  
}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14182060\charrsid7473537 \hich\af0\dbch\af36\loch\f0 This}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1925785\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 application cannot succeed and I need not venture to}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1839102\charrsid7473537 \hich\af0\dbch\af36\loch\f0  find out }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 whether the}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1925785\charrsid7473537 \hich\af0\dbch\af36\loch\f0  requirements in terms of }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1925785\charrsid7473537 
\hich\af0\dbch\af36\loch\f0 Section 66}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1925785\charrsid7473537 \hich\af0\dbch\af36\loch\f0  of the }{\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1925785\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
Consumer Credit Act}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1839102\charrsid7473537 \hich\af0\dbch\af36\loch\f0  had been compl\hich\af0\dbch\af36\loch\f0 ied by the Plaintiff}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1925785\charrsid7473537 \hich\af0\dbch\af36\loch\f0 . This is a defence that was}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1839102\charrsid7473537 \hich\af0\dbch\af36\loch\f0  stated in the}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1925785\charrsid7473537 \hich\af0\dbch\af36\loch\f0  statement of defence and also in }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1839102\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
affidavit in opposition to }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1925785\charrsid7473537 \hich\af0\dbch\af36\loch\f0 this application for summary judgment.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12005746\charrsid7473537 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9329982 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14182060\charrsid7473537 
\par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid2710006\charrsid7473537 \hich\af0\dbch\af36\loch\f0 D.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls15\adjustright\rin0\lin0\itap0\pararsid9329982 {
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2710006\charrsid7473537 \hich\af0\dbch\af36\loch\f0 CONCLUSION}{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9329982 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9329982\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid1524013\charrsid7473537 \hich\af0\dbch\af36\loch\f0 20.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid9329982 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1524013\charrsid7473537 \hich\af0\dbch\af36\loch\f0 The Plaintiff has failed to}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5840825\charrsid7473537 \hich\af0\dbch\af36\loch\f0  file materials in}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1524013\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5840825\charrsid7473537 \hich\af0\dbch\af36\loch\f0 support}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0  to}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5840825\charrsid7473537 \hich\af0\dbch\af36\loch\f0  an affidavit verifying th
\hich\af0\dbch\af36\loch\f0 e facts on which the claim or the part of a claim to which the application relates}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 as required in Order 14 rule 2(1) and since there is no proof of the amount of the }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1839102\charrsid7473537 \hich\af0\dbch\af36\loch\f0 claim (}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 remaining }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13924498\charrsid7473537 \hich\af0\dbch\af36\loch\f0 debt}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0  on all three loans}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 \hich\af0\dbch\af36\loch\f0 ) the}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 \hich\af0\dbch\af36\loch\f0 application for}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0  summary judgment is dismisse\hich\af0\dbch\af36\loch\f0 d.}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9329982 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9329982\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 21.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid9329982 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 The Defendant is granted $ }{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16123015\charrsid7473537 \hich\af0\dbch\af36\loch\f0 75}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5598295\charrsid7473537 \hich\af0\dbch\af36\loch\f0 0 as the cost of this application assessed summarily.{\*\bkmkstart _GoBack}{\*\bkmkend _GoBack}
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9329982 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14182060\charrsid7473537 
\par {\listtext\pard\plain\b\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 \hich\af0\dbch\af36\loch\f0 E.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls15\adjustright\rin0\lin0\itap0\pararsid9329982 {
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 \hich\af0\dbch\af36\loch\f0 THE FINAL ORDERS }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16123015 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9329982 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9329982\charrsid7473537 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid16123015\charrsid7473537 \hich\af0\dbch\af36\loch\f0 a.\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls15\ilvl1\adjustright\rin0\lin0\itap0\pararsid9329982 {
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16123015\charrsid7473537 \hich\af0\dbch\af36\loch\f0 The summons for the summary judgment is dismissed and struck off.
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid16123015\charrsid7473537 \hich\af0\dbch\af36\loch\f0 b.\tab}\hich\af0\dbch\af36\loch\f0 The Plaintiff is ordered to pay a cost of $750 to the Defendant as the cost of this }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3176932\charrsid7473537 \hich\af0\dbch\af36\loch\f0 a\hich\af0\dbch\af36\loch\f0 pplication,}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16123015\charrsid7473537 \hich\af0\dbch\af36\loch\f0 
 assessed summarily.
\par }\pard\plain \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9329982 \fs22\lang1033\langfe1033\loch\af36\hich\af36\dbch\af36\cgrid\langnp1033\langfenp1033 {
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3941972\charrsid7473537 
\par }\pard \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7473537 {\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 \hich\af0\dbch\af36\loch\f0 D}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11726\charrsid7473537 \hich\af0\dbch\af36\loch\f0 ated at }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 \hich\af0\dbch\af36\loch\f0 Suva}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 \hich\af0\dbch\af36\loch\f0  \hich\af0\dbch\af36\loch\f0 this}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11726\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13899823\charrsid7473537 \hich\af0\dbch\af36\loch\f0 3\hich\af0\dbch\af36\loch\f0 rd\hich\af0\dbch\af36\loch\f0  day}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 
\hich\af0\dbch\af36\loch\f0  of}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13858462\charrsid7473537 \hich\af0\dbch\af36\loch\f0  }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16123015\charrsid7473537 \hich\af0\dbch\af36\loch\f0 October, 2011}{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16123015\charrsid7473537 \hich\af0\dbch\af36\loch\f0 .}{\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7473537 \hich\af0\dbch\af36\loch\f0  }{
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 
\par }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3028040\charrsid7473537 
\par }{\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7473537 \loch\af0\dbch\af36\hich\f0 \'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\loch\f0 .
\par \hich\af0\dbch\af36\loch\f0 Mr. Deepthi Amaratunga
\par \hich\af0\dbch\af36\loch\f0 Master of the High Court
\par }\pard \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9329982 {\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701540\charrsid7679792 \hich\af0\dbch\af36\loch\f0 Suva}{
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16074210\charrsid7679792 
\par }}