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{\*\wgrffmtfilter 2450}\ilfomacatclnup0{\*\ftnsep \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12264040 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f37\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13724824 \chftnsep 
\par }}{\*\ftnsepc \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12264040 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13724824 \chftnsepc 
\par }}{\*\aftnsep \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12264040 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13724824 \chftnsep 
\par }}{\*\aftnsepc \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12264040 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13724824 \chftnsepc 
\par }}\ltrpar \sectd \ltrsect\linex0\headery708\footery708\colsx708\endnhere\pgbrdropt32\pgbrdrt\brdrdot\brdrw10\brsp480 \pgbrdrl\brdrdot\brdrw10\brsp480 \pgbrdrb\brdrdot\brdrw10\brsp480 \pgbrdrr\brdrdot\brdrw10\brsp480 
\sectlinegrid360\sectdefaultcl\sectrsid11500650\sftnbj {\headerr \ltrpar \pard\plain \ltrpar\s16\qc \li0\ri0\sa200\sl276\slmult1\widctlpar\brdrb\brdrthtnsg\brdrw60\brsp20\brdrcf17 
\tqc\tx4513\tqr\tx9026\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1647488 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af0\afs16 \ltrch\fcs0 
\b\f39\fs16\insrsid13724824 HBC 372 OF 2009}{\rtlch\fcs1 \af0\afs16 \ltrch\fcs0 \b\f39\fs16\insrsid13724824\charrsid1647488 
\par }\pard \ltrpar\s16\qc \li0\ri0\sa200\sl276\slmult1\widctlpar\tqc\tx4513\tqr\tx9026\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1647488 {\rtlch\fcs1 \af0\afs14 \ltrch\fcs0 \b\f39\fs14\insrsid13724824\charrsid5660466 
\par }}{\footerr \ltrpar \pard\plain \ltrpar\s18\qr \li0\ri0\sa200\sl276\slmult1\widctlpar\tqc\tx4513\tqr\tx9026\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f37\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13724824 Page | }{\field{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13724824  PAGE   \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang1024\langfe1024\noproof\insrsid11759137 5}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13724824  
\par }\pard \ltrpar\s18\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\tqc\tx4513\tqr\tx9026\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13724824 
\par }}{\*\pnseclvl1\pnucrm\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl2\pnucltr\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl3\pndec\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl4\pnlcltr\pnstart1\pnindent720\pnhang {\pntxta )}}
{\*\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 \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 
\rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid10616928\charrsid13724824 IN THE HIGH COURT OF FIJI}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\insrsid6835486\charrsid13724824 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid11822387\charrsid13724824 AT SUVA}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid10616928\charrsid13724824 
\par CIVIL JURISDICTION
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1931675\charrsid13724824 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10616928\charrsid13724824 CASE NUMBER:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\ul\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid2754325\charrsid13724824 HBC }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid2049399\charrsid13724824 37}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\ul\insrsid1731844\charrsid13724824 2 OF }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid2908641\charrsid13724824 2009}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10616928\charrsid13724824 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1931675\charrsid13724824 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10616928\charrsid13724824 BETWEEN:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid2049399\charrsid13724824 NATIONAL BANK OF FIJI trading as}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\insrsid7828739\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid2049399\charrsid13724824 COLONIAL NATIONAL BANK
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2385731\charrsid13724824 PLAINTIFF}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10616928 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6161767\charrsid13724824 AND:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid13724824\charrsid13724824 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid2049399\charrsid13724824 WILISONI DUIKORO TABUYA, RAVESI TABUYA}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid421951\charrsid13724824 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid7828739\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid421951\charrsid13724824 
WILISONI TABUYA JUNIOR, MARICA TABUYA and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid7828739\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid421951\charrsid13724824 JOSEVATA TABUYA
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6161767\charrsid13724824 DEFENDANT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824 S}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6161767\charrsid13724824 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid931394\charrsid13724824 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10616928\charrsid13724824 Appearances}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid3360254\charrsid13724824 :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid421951\charrsid13724824 Mr. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid7828739\charrsid13724824 R. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\insrsid421951\charrsid13724824 Nand }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid6161767\charrsid13724824 for the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid2385731\charrsid13724824 P}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\insrsid6161767\charrsid13724824 laintiff.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid421951\charrsid13724824 Mr. Valenitabua for}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid1731844\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\insrsid931394\charrsid13724824 the defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid421951\charrsid13724824 s.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid10616928 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid13724824\charrsid13724824 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10616928\charrsid13724824 Date / Place of Judgment:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\insrsid15608056\charrsid13724824 Mon}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid2754325\charrsid13724824 day 0}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid14843613\charrsid13724824 6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\insrsid2754325\charrsid13724824 th August, 2012 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid5589362\charrsid13724824 at Suva.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid10616928 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid13724824\charrsid13724824 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid2754325\charrsid13724824 Coram}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10616928\charrsid13724824 :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid13724824\charrsid13724824  
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid10616928\charrsid13724824 The Hon. Justice Anjala Wati.
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10616928\charrsid13724824 
___________________________________________________________________________}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10616928\charrsid13724824 JUDGMENT
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid2754325\charrsid13724824 CATCHWORDS:-}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid7828739 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid13724824\charrsid13724824 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7828739\charrsid13724824 Mortgage action \endash  mortgagee exercises its powers of sale- defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid8480089\charrsid13724824 s}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7828739\charrsid13724824  refuse to give vacant possession-mortgagee brought action for vacant possession- defendants}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7828739\charrsid13724824  plead that mortgage contrac}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\insrsid12351314\charrsid13724824 t is frustrated because }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7828739\charrsid13724824 coup de}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid13724824 '}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7828739\charrsid13724824 tat in Fiji affected the financial capacity of the defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\i\f0\fs24\insrsid7828739\charrsid13724824  to pay the mortgage debt-service of demand notice also contested- finding made as to whether demand notice was served and whether contract frustrated- vacant possession ordered.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid2754325\charrsid13724824 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid10499798\charrsid13724824 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid2754325\charrsid13724824 LEGISLATION:
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid421951\charrsid13724824 High Court Rules, 1988(}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid13724824 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\insrsid421951\charrsid13724824 HCR}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid13724824 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7828739\charrsid13724824 ):}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\insrsid421951\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid421951\charrsid13724824 Order 88}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid7828739\charrsid13724824 Rule 1(1) (d).}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid421951\charrsid13724824 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid10499798\charrsid13724824 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid10499798\charrsid13724824 CASES REFERRED TO:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid10499798 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid13724824\charrsid13724824 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid10499798\charrsid13724824 Alanbert Pty Ltd. v. Butler Pty Ltd. [2000] NSWSC 261.
\par Davis Contractors Ltd. v. Fareham UDC [1956] UKHL 3; [1956] AC 696.
\par Codelfa Construction Pty Limited v. State Rail Authority of NSW (1982) 149 CLR 337.
\par Westpac Banking Corporation v. Bickley [2001] NSWSC 756.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14770083\charrsid13724824 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824 ___________________________________________________________________________}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2754325 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid421951\charrsid13724824 \hich\af0\dbch\af0\loch\f0 1.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824 The plaintiff, as the mortgagee}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5340261\charrsid13724824 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824  seeks an ord}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3873185\charrsid13724824 
er for vacant possession under Order 88 Rule 1(1) (d)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824  of the HCR of all that propert}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3873185\charrsid13724824 y}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824  comprised and described in Native Lease Number 25496}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3873185\charrsid13724824 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid421951\charrsid13724824  being Lot 11 o}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3873185\charrsid13724824 n}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824 
 SO 3850 situated at Savunawai Subdivision, Nadi together with all improvements thereon.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1602695 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid421951\charrsid13724824 \hich\af0\dbch\af0\loch\f0 2.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824 The mortgagee also seeks an order to restrain the defendants 
and/or their agents from interfering with the improvements on the said property so as to deplete its value and costs of bringing the action.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid421951\charrsid13724824 \hich\af0\dbch\af0\loch\f0 3.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824 
The mortgagee says that the defendants are the registered proprietors of the subject land.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824 
The property was secured to the bank by a mortgage registration number 587764.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824 
The security was given for loan advances made to the defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824 .}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824 There is a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3873185\charrsid13724824 concrete}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824  wooden and iron dwelling house on the land occupied by the defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid421951\charrsid13724824 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824 On or about 30 December 2005}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid3873185\charrsid13724824 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8480089\charrsid13724824  the plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824  advanced to the defendants}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824 
 a sum of $145,950 at the interest rate of 7.40% per annum for the first 12 months and 9.25% per annum variable.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid421951\charrsid13724824 The defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824 
 were required to make monthly payments of $1,389.00 for a period of 25 years.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid421951\charrsid13724824 \hich\af0\dbch\af0\loch\f0 4.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824 The defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824  fell in arrears of payment and as at the issue of the originating summons the arrears was $10,812.00.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824 The total amount due and owing under the said mortgage as at the date of issue of the originating summons was $153,725.62 .
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824 Interest accrues on this amount at the rate of $38.85 per day.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid421951 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid421951\charrsid13724824 \hich\af0\dbch\af0\loch\f0 5.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951\charrsid13724824 On 12 August 2009 the bank issued default notice against the defendants
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824  which were served on the defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824  by delivery at 79 Rokosawa Road, Tacirua Plains, Stage 4 as allowed under clause 11.1 of the mortgage.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 They failed to rectify the default.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 The bank therefore exercised its powers of sale under the mortgage and advertised the property for sale.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid421951 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid3873185\charrsid13724824 \hich\af0\dbch\af0\loch\f0 6.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3873185\charrsid13724824 On 23 September}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8480089\charrsid13724824  2009 the bank caused}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824  notice}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8480089\charrsid13724824 s}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824  to quit to be issued and served }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8480089\charrsid13724824 on }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 
the defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 The property is occupied by the defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8480089\charrsid13724824 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 , their family and relatives.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 The defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 
 have refused to give vacant possession of the said property.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 That is }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid3873185\charrsid13724824 interfering}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824  and prejudicing the bank}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 s rights as a mortgagee.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14558559\charrsid13724824 \hich\af0\dbch\af0\loch\f0 7.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 The bank says that it believes that the defendants}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824  may remove and/or damage the valuable attachment}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3873185\charrsid13724824 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824  which form part of the improvement to the said property since they have refused to co-operate with the bank.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid14558559 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14558559\charrsid13724824 \hich\af0\dbch\af0\loch\f0 8.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 The defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824  say that they did not receive any default notice but only a notice to quit.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 It was argued that the mortgage number 587764 is now frustrated by the events of 5 December 2006 and onwards.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 The coup de}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 tat, it was argued, led to redundancies, job losses, pay cuts and non-availability of tenants at the property.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14558559\charrsid13724824 \hich\af0\dbch\af0\loch\f0 9.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 The defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824  argue that a mortgage is a contract which could be frustrated.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 This contract between the parties was frustrated when the events occurred causing a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3873185\charrsid13724824 radical or}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824  fundamental alteration in the situation envisaged by the parties.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid14558559 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14558559\charrsid13724824 \hich\af0\dbch\af0\loch\f0 10.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 The defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 
 say that when they signed the mortgage contract No. 587764 on 10 May 2006, they did not envisage that those who were employed at the time would lose their respective jobs late in 2006.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 They did not envisage that there was going to be a coup de}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 tat on 5 December 2006.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14558559\charrsid13724824 \hich\af0\dbch\af0\loch\f0 11.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 
The bank responded by saying that the mortgage debt went into arrears in 2009.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 
Everyone in Fiji was affected and the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10112284\charrsid13724824 events of 5 December 2006 do}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 
 not negate the mortgage and the defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824  obligations under the mortgage.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 The security still exists and the bank can recover from the existing securities.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid14558559 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14558559\charrsid13724824 \hich\af0\dbch\af0\loch\f0 12.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824 The defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559\charrsid13724824  are basically saying that the bank cannot exercise }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7672997\charrsid13724824 
its rights under the mortgage because:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14558559 
\par }\pard \ltrpar\ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6949534 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid13724824\charrsid6949534 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang5129\langfe1033\langnp5129\insrsid7672997\charrsid6949534 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \ltrpar
\ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls34\adjustright\rin0\lin720\itap0\pararsid6949534 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid7672997\charrsid6949534 It failed to serve them with the default notice.
\par }\pard \ltrpar\ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6949534 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid6949534\charrsid6949534 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang5129\langfe1033\langnp5129\insrsid7672997\charrsid6949534 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar
\ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls34\adjustright\rin0\lin720\itap0\pararsid6949534 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid7672997\charrsid6949534 The mortgage is frustrated by the events of 2006, the coup de}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid13724824\charrsid6949534 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid7672997\charrsid6949534 tat}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid3873185\charrsid6949534 ,}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid7672997\charrsid6949534  resulting in job losses and loss of tenants from the mortgaged property.
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6949534 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6949534\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid7672997\charrsid13724824 \hich\af0\dbch\af0\loch\f0 13.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7672997\charrsid13724824 I will deal with the aspect of notice first}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid3873185\charrsid13724824 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3873185\charrsid13724824 C}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7672997\charrsid13724824 lause 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3873185\charrsid13724824 1.1 of the contract stipulates h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7672997\charrsid13724824 
ow a notice could be served on the defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7672997\charrsid13724824 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7672997\charrsid13724824 It includes service of notice to the address given or leaving it at the home address.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7672997\charrsid13724824 The notice was delivered at the home address of 79 Rokosawa Road, Tacirua Plains}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3873185\charrsid13724824 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7672997\charrsid13724824  State 4, Suva.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7672997\charrsid13724824 This is where the property is located.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7672997\charrsid13724824 
I find the service to be proper.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1731844 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6949534 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6949534\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid3873185\charrsid13724824 \hich\af0\dbch\af0\loch\f0 14.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3873185\charrsid13724824 On }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7672997\charrsid13724824 the aspect of the contract being frustrat}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15014384\charrsid13724824 ed, I find that the defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7672997\charrsid13724824  understanding on the law of frustration to be misconceived.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7672997\charrsid13724824 The defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7672997\charrsid13724824  have to show that the loan contract that it entered into became fundamentally different from that originally contemplated for }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10112284\charrsid13724824 them }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7672997\charrsid13724824 to successfully rely on the doctrine of frustration.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7672997\charrsid13724824 I do not find that the defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7672997\charrsid13724824 
s obligation had changed at all.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3873185\charrsid13724824 They were}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid991692\charrsid13724824  obliged to pay the principal and the interest and in default to surrender the property that was mortgaged.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid991692\charrsid13724824 That obligation remained throughout.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid991692\charrsid13724824 The }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3873185\charrsid13724824 loss of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10112284\charrsid13724824 jobs,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3873185\charrsid13724824 
 reduced working hours and loss of tenants from the property}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid991692\charrsid13724824  could only be }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3873185\charrsid13724824 
said to have made the defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid991692\charrsid13724824 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid991692\charrsid13724824  obligation onerous.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid991692\charrsid13724824 The doctrine o
f frustration therefore does not apply to his contract. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7672997 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6949534 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6949534\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid7735184\charrsid13724824 \hich\af0\dbch\af0\loch\f0 15.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7735184\charrsid13724824 In }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\insrsid7735184\charrsid11759137 Alanbert Pty Ltd. v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid991692\charrsid11759137 . Butler Pty Ltd. [2000] NSWSC 261}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid991692\charrsid13724824 , Justice Hamilton at paragraph 44 stated that the modern doctrine of frustration may be taken to be stated by Lord }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid991692\charrsid6949534 Radc}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7735184\charrsid6949534 liffe in}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid7735184\charrsid6949534  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7735184\charrsid11759137 
Davis Contractors Ltd. v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid991692\charrsid11759137 . Fareham UDC [1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7735184\charrsid11759137 956] UKHL 3; [1956] AC 696 at 72}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid991692\charrsid11759137 8-729}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid991692\charrsid13724824 , where Lord Radcliffe states:-
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15411819\charrsid13724824 
\par }\pard \ltrpar\ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6949534 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid6949534 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\insrsid991692\charrsid6949534 ...frustration occurs whenever the law recognizes that without default of either party a contractual obligation has become incapable of being pe
rformed because the circumstances in which performance is called for would render it a thing radically different from that which was undertaken by the contract.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid6949534  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid991692\charrsid6949534 Non haec in foedera veni.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid13724824\charrsid6949534  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\ul\insrsid991692\charrsid6949534 It was not this that I promised to do.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid6949534  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid991692\charrsid6949534 
There is however, no uncertainty as to the materials upon which the court must proceed. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid6949534 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid991692\charrsid6949534 
the data for decision are, on the one hand, the terms and construction of the contract, read in light of the then existing circumstances, and on the other hand the events which have occurred}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\insrsid13724824\charrsid6949534 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid991692\charrsid6949534  (Denny Mott & Dickinson L}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid14843613\charrsid6949534 
td v. James B. Fraser & Co Ltd [19}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7735184\charrsid6949534 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid14843613\charrsid6949534 4] AC at 275}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\insrsid7735184\charrsid6949534 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid14843613\charrsid6949534 , per Lord Wright).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid6949534  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\i\f0\fs24\insrsid14843613\charrsid6949534 In the nature of things there is often no room for elaborate inquiry.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid6949534  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\insrsid14843613\charrsid6949534 The court must act upon}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid5395194\charrsid6949534  a general impression of what its rule requires.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\insrsid13724824\charrsid6949534  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid5395194\charrsid6949534 
It is for that reason that special importance is necessarily attached to the occurrence of any unexpected event that, as it were, changes the face of things}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid5395194\charrsid11759137 .}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid13724824\charrsid11759137  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid5395194\charrsid11759137 
But even so, it is not hardship or inconvenience or material loss itself which calls the principles of frustration into play.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid13724824\charrsid11759137  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\ul\insrsid5395194\charrsid11759137 There must be as well such a change in the significance of the obligation that the thing undertaken would, if performed, be different thing from that contracted for}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\ul\insrsid13724824\charrsid11759137 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid5395194\charrsid11759137 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid991692\charrsid11759137 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6949534 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\ul\insrsid6949534\charrsid11759137 
\par }\pard \ltrpar\ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6949534 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid5395194\charrsid6949534 Underlining is Mine}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\i\f0\fs24\ul\insrsid10112284\charrsid6949534 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid5395194\charrsid6949534 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10499798\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid5395194\charrsid13724824 \hich\af0\dbch\af0\loch\f0 16.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5395194\charrsid13724824 In }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\insrsid5395194\charrsid6949534 Codelfa Construction Pty Limited v. State Rail Authority of NSW (1982) 149 CLR 337}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5395194\charrsid13724824 
, Justice Mason stated that the defendant has to show that the loan contract became }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid6949534 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7735184\charrsid6949534 
fundamentally}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7758891\charrsid6949534  different from that originally contemplated}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid6949534 "}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid7758891\charrsid13724824 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7758891\charrsid13724824 His honour stated}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1731844\charrsid13724824 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7735184\charrsid6949534 
\par }\pard \ltrpar\ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6949534 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid6949534 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\insrsid7758891\charrsid6949534 
...so significantly changes the (not merely the expense or onerousness) of the outstanding contractual rights and/or obligations from what the parties could reasonably have contemplated at the time of its execution that it would be unjust to hold them to 
the literal sense of its stipulation in the new circumstances}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid6949534 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7758891\charrsid6949534 .}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid6949534  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7758891\charrsid6949534 (Per Lord }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid15411819\charrsid6949534 Simon of}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7758891\charrsid6949534  Glaisdale in National Carriers Ltd v. Panalpina (Northern) Ltd [1980] UKHL 8; [1981] AC 675 at 700 (cited with approval of Aickin J in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\ul\insrsid7758891\charrsid6949534 Codelfa}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7758891\charrsid6949534  at 378).
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7735184\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid7758891\charrsid13724824 \hich\af0\dbch\af0\loch\f0 17.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7758891\charrsid13724824 Even 
if the doctrine applied, there is no evidence provided to state that the defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7735184\charrsid13724824 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10112284\charrsid13724824  have}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7758891\charrsid13724824  suffered }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7735184\charrsid13724824 
job losses, pay cuts and loss of tenants because of the coup de}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7735184\charrsid13724824 
tat. The mortgage payments went into arrears in 2009 when the coup de}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7735184\charrsid13724824 tat occurred in}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7758891\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7735184\charrsid13724824 2006. Even without a coup de}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7735184\charrsid13724824 tat people can suffer loss of jobs and tenants on the property. That is foreseeable in any country and with that the defendants}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7735184\charrsid13724824  opted to take the loan and the risk so now they cannot renege on the contract which is binding an}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10112284\charrsid13724824 d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7735184\charrsid13724824  enforceable. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7735184 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6949534 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6949534\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid7758891\charrsid13724824 \hich\af0\dbch\af0\loch\f0 18.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7758891\charrsid13724824 The facts of this case are related to that of the case of }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7758891\charrsid6949534 Westpac Banking Corporation v. Bickley [2001}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7735184\charrsid6949534 ] NSWSC}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\insrsid7758891\charrsid6949534  756}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7758891\charrsid13724824 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7758891\charrsid13724824 In this case, a builder had a mortgage with the bank with his house as a security.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7758891\charrsid13724824 The builder failed to make payments on the loan, due to downturn in his industry.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7758891\charrsid13724824 The bank sought to enforce its charge over the property.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7758891\charrsid13724824 
The builder claimed that the contract of mortgage was unenforceable because of the introduction of GST which frustrated the contract.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7758891\charrsid13724824 Master Harrison in that case held, and I also agree with his verdict that}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4076181\charrsid13724824 :-}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7758891\charrsid13724824 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7735184\charrsid13724824 
\par }\pard \ltrpar\ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6949534 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid6949534 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\insrsid4076181\charrsid6949534 ....the introduction of the GST did not make the mortgage contract fundamentally different from that originally contemplated.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid6949534  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid4076181\charrsid6949534 The contractual obligations for repayment did not alter because of the introduction of GST.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid6949534  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid4076181\charrsid6949534 Rather the defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid6949534 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\insrsid4076181\charrsid6949534 s ability to pay became more onerous.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid6949534  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid4076181\charrsid6949534 
The doctrine of frustration is clear.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid6949534  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid4076181\charrsid6949534 It does not apply in these circumstances ...}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid13724824\charrsid6949534 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid4076181\charrsid6949534 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10499798\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid4076181\charrsid13724824 \hich\af0\dbch\af0\loch\f0 19.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4076181\charrsid13724824 The defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4076181\charrsid13724824  still have a security to cover the debt and that is what they have to tender to the bank now.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724824\charrsid13724824  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10112284\charrsid13724824 I order them}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4076181\charrsid13724824 
 to deliver vacant possession of the property without interfering with any improvements on the same.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4076181 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6949534 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6949534\charrsid13724824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid4076181\charrsid13724824 \hich\af0\dbch\af0\loch\f0 20.\tab}}\pard \ltrpar
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin0\lin0\itap0\pararsid13724824 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4076181\charrsid13724824 The plaintiff is entitled to cost of t}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid10112284\charrsid13724824 he proceeding in the sum of $150}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4076181\charrsid13724824 0.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724824\charrsid13724824  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4076181 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6949534 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6949534\charrsid13724824 
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\par Judge
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