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{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
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{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fbiminor\f31586\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}}
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\ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 IN THE HIGH COURT OF FIJI
\par AT LAUTOKA
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\tx4629\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315\yts15 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
CIVIL JURISDICTION}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315\yts15 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
Civil Action No. HBC 183 of 2010
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\tx1526\tx1823\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315\yts15 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 BETWEEN:}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 FIJI DEVELOPMENT BANK}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315  a body corporate duly constituted under the Fiji Development Bank Act, Cap 214 having its registered office at 340 Victoria Parade, Suva in Fiji.}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 PLAINTIFF
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 AND:
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 PARIKSHIT RAM DAYAL}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 (f/n Swatantra Kumar) of Flat Navo, Nadi, General Manager.
\par 1ST DEFENDANT
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 AND:
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 SWATANTRA KUMAR}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 (f/n Ram Dayal) of Navo, Nadi, Managing Director.
\par 2ND DEFENDANT
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\tx1526\tx1823\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315\yts15 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par }\pard\plain \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 
\af0\afs52 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid1377315 RULING}{\rtlch\fcs1 \af0\afs52 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid3041188\charrsid1377315 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs52 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 INTRODUCTION}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid2193878\charrsid1377315 
\par }\pard\plain \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid15163961\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 1.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15163961\charrsid1377315 Before me is a S}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2193878\charrsid1377315 ummons to Enter Summary Judgment filed by R.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15163961\charrsid1377315 
 Patel Lawyers for the plaintiff.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7936548\charrsid1377315 
The defendants are represented by Pillay Naidu and Associates.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15163961\charrsid1377315 The s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8204862\charrsid1377315 ummons}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10880109\charrsid1377315  is made under Order 14 Rule 1 and Order 18 Rule 18(1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6172100\charrsid1377315 ) (}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10880109\charrsid1377315 c) and (d) of the High court Rules 1988 and under the inherent jurisdiction of this Court.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16663042\charrsid1377315  The Fiji Development Bank (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16663042\charrsid1377315 FDB}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16663042\charrsid1377315 
) (as mortgagee) is seeking to recover from the defendants (mortgagor and guarantor) the balance of monies owing on the mortgage debt after partial recovery from mortgagee sale. The property in question is 
comprised in Crown Lease No. 16337, LD 4/10/4465 with improvements thereon.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2193878 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid10880109\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 2.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10880109\charrsid1377315 The }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15163961\charrsid1377315 summons }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10880109\charrsid1377315 is supported by the affidavit of one}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8063101\charrsid1377315  Salote Tavainavesi sworn on 12 May 2011.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10880109\charrsid1377315 
\par }\pard\plain \ltrpar\s17\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid10301029\charrsid1377315 TAVAINAVESI}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid1377315 '}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid10301029\charrsid1377315 S AFFIDAVIT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid16462719\charrsid1377315 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 3.\tab}}\pard\plain \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 Tavainavesi is }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2168825\charrsid1377315 the Manager Legal of }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 FDB}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2168825\charrsid1377315 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315  According to her, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5183057\charrsid1377315 on }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 01 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5183057\charrsid1377315 September}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315  2006, under Account No. 114864, the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 FDB }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 advanced }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 home }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 loan facilities }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 in the sum }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 of $60,000 (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 sixty thousand dollars) to the first d}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 efendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315  (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 Dayal}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 )}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 The }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 second d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 efendant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 Kumar}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 ) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 guaranteed the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7175958\charrsid1377315 said }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 loan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\cs27\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s16\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11565625 \rtlch\fcs1 
\af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \cs27\fs16\super\insrsid8401164\charrsid8670470 \chftn }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 
\fs16\insrsid8401164\charrsid8670470  annexed and marked }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \b\fs16\insrsid8401164\charrsid8670470 \'93ST1\'94}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid8670470 
 is a copy of the Letter of Offer dated 01 September 2006 which was signed in acceptance by Dayal and Kumar on 03}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\super\insrsid8401164\charrsid8670470  }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 
\fs16\insrsid8401164\charrsid8670470 September 2006.
\par }}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 I}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 nterest }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 was fixed at the agreed }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 rate of 11.75% per annum}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7175958\charrsid1377315 . I}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 n the event of default, the interest rate was }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7175958\charrsid1377315 to be }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 1% over and above t}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 he current interest rate.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 The f}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 acility was payable on demand}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7175958\charrsid1377315 . U}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 ntil demanded}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7175958\charrsid1377315 , the loan was to be repaid according to the agreed arrangement}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 .}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 4.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 O}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 n 23 November 2006, under Account No. 115043, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 FDB granted a }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16188935\charrsid1377315 further loan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 
 of $50,000.00 (fifty thousand dollars) to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315 Dayal at the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 agreed interest}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11565625\charrsid1377315  rate of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315  9.95% per annum.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 5.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 The default interest rate }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 was fixed at }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 
2% over and above the current interest rate.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 Again, }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 Kumar }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 guaranteed th}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15287533\charrsid1377315 is}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315  second}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315  advance}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs27\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s25\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8670470 \rtlch\fcs1 \af31507\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af31507\afs16 
\ltrch\fcs0 \cs27\fs16\super\insrsid8401164\charrsid8670470 \chftn }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid8670470  }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164 a}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 
\fs16\insrsid8401164\charrsid8670470 nnexed and marked }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \b\fs16\insrsid8401164\charrsid8670470 \'93ST2\'94}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid8670470 
 is a copy of the Letter of Offer dated 23}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\super\insrsid8401164\charrsid8670470  }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid8670470 
November 2006 which was signed in acceptance by Dayal and Kumar on 23 November 2006.}}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 6.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 Dayal and Kumar }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2964613\charrsid1377315 provided the following securities to secure the loan facilities:
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (i)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 
first Registered Memorandum of Mortgage No. 594429 dated 06 September 2006 over Crown Lease No. 16337, LD 4/10/4465, Nadi with improvements thereon}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\cs27\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s16\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13380734 \rtlch\fcs1 
\af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \cs27\fs16\super\insrsid8401164\charrsid13380734 \chftn }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 
\fs16\insrsid8401164\charrsid13380734  }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \b\fs16\ul\insrsid8401164\charrsid13380734 Annexed}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid13380734  and marked }{\rtlch\fcs1 \af31507\afs16 
\ltrch\fcs0 \b\fs16\insrsid8401164\charrsid13380734 \'93ST3\'94}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid13380734  is a copy of Memorandum of Mortgage No. 594429.}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 
\b\fs16\ul\insrsid8401164\charrsid13380734    
\par }}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (ii)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 
adequate insurance cover over the property for at least $125,000.00 with the FDB}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 s interest noted thereon.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (iii)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 
mortgage protection cover on the total debt.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (iv)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 
assignment over salary proceeds of the First Defendant with Dayal Buses Ltd to meet the stipulated repayments, and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (v)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 
personal guarantee by Kumar dated 06 September 2006}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs27\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s16\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13380734 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af31507\afs16 
\ltrch\fcs0 \cs27\fs16\super\insrsid8401164\charrsid13380734 \chftn }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid13380734  }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \b\fs16\ul\insrsid8401164\charrsid13380734 Annexed}{\rtlch\fcs1 
\af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid13380734  and marked }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \b\fs16\insrsid8401164\charrsid13380734 \'93ST4\'94}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid13380734 
 is a copy of the Personal Guarantee by the Second Defendant dated 6}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\super\insrsid8401164\charrsid13380734 th}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid13380734  September 2006.}{
\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \b\fs16\ul\insrsid8401164\charrsid13380734 
\par }}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 .
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8670470\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14231547\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 7.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14231547\charrsid1377315 Then }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178104\charrsid1377315 Dayal started defaulting}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7954221\charrsid1377315  in his repayments.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178104\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14231547\charrsid1377315 And }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178104\charrsid1377315 FDB }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16319422\charrsid1377315 started to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178104\charrsid1377315 send }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7954221\charrsid1377315 letters }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14231547\charrsid1377315 in May and June 2007 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7954221\charrsid1377315 to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178104\charrsid1377315 Dayal }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7954221\charrsid1377315 to settle the arrears}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\cs27\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16319422\charrsid1377315 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s25\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13380734 \rtlch\fcs1 
\af31507\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \cs27\fs16\super\insrsid8401164\charrsid13380734 \chftn }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 
\fs16\insrsid8401164\charrsid13380734  A copy each of the letters dated 08 May 2007 and 06}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\super\insrsid8401164\charrsid13380734  }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid13380734 
June 2007 are annexed and marked }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \b\fs16\insrsid8401164\charrsid13380734 \'93ST5\'94}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid13380734 .}}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7954221\charrsid1377315 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1981412\charrsid1377315 Further letters were sent }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14231547\charrsid1377315 in July }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1981412\charrsid1377315 2007 when Dayal failed to settle the arrears}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs27\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1981412\charrsid1377315 \chftn {\footnote \ltrpar 
\pard\plain \ltrpar\s16\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13380734 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 
\af31507\afs16 \ltrch\fcs0 \cs27\fs16\super\insrsid8401164\charrsid13380734 \chftn }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid13380734  A copy of the letters dated 04 July 2007 and 10 July 2007 are annexed and marked }{
\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \b\fs16\insrsid8401164\charrsid13380734 \'93ST6\'94}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid13380734 .}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \b\fs16\ul\insrsid8401164\charrsid13380734 

\par }}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1981412\charrsid1377315 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13380734 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid16477839\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 8.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16477839\charrsid1377315 O}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10891148\charrsid1377315 n 12}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13380734\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10891148\charrsid1377315 October 2007, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13380734\charrsid1377315 FDB served Dayal }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10891148\charrsid1377315 a Notice dated 18 September 2007}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs27\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13380734\charrsid1377315 \chftn {\footnote \ltrpar 
\pard\plain \ltrpar\s25\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13380734 \rtlch\fcs1 \af31507\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 
\af31507\afs16 \ltrch\fcs0 \cs27\fs16\super\insrsid8401164\charrsid13380734 \chftn }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid13380734  A copy of the Notice of Demand dated 18}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 
\fs16\super\insrsid8401164\charrsid13380734  }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid13380734 September 2007 is annexed and marked }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \b\fs16\insrsid8401164\charrsid13380734 \'93ST7\'94}{
\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid13380734 .}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f40\fs24\insrsid8401164\charrsid13380734   }}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10891148\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16477839\charrsid1377315 which it issued }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13380734\charrsid1377315 pursuant to the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6491400\charrsid1377315 Mortgage}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16477839\charrsid1377315 . That }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13380734\charrsid1377315 Notice}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16477839\charrsid1377315  was a demand for}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10891148\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13380734\charrsid1377315 immediate }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10891148\charrsid1377315 payment of the debt }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16477839\charrsid1377315 plus }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6491400\charrsid1377315 interest}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10891148\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12913161\charrsid1377315 as at 31}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13380734\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12913161\charrsid1377315 August 2007}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13380734\charrsid1377315 . This was calculated at }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12913161\charrsid1377315 
$119,602.12 with further interest at the rate of 15.5% per annum on Account No. 114864 and 9.95% per annum on Account No. 1155043 from }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13380734\charrsid1377315 0}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12913161\charrsid1377315 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13380734\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12913161\charrsid1377315 September 2007 until full payment.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13380734\charrsid1377315 Dayal }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16477839\charrsid1377315 did not }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13380734\charrsid1377315 settle these debts}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12913161\charrsid1377315 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10891148 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5251294\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 9.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5251294\charrsid1377315 FDB }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12023792\charrsid1377315 then }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5251294\charrsid1377315 
sent Dayal a warning letter to update his account. This was followed by a second warning letter on 25 July 2008.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10903811\charrsid1377315 
 Then on 29 August 2008, FDB served Dayal a second Notice of Demand }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5250676\charrsid1377315 (addressed to Dayal) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10903811\charrsid1377315 dated 18 August 2008}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs27\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10903811\charrsid1377315 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s25\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af31507 \ltrch\fcs0 
\cs27\super\insrsid8401164 \chftn }{\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid8401164  }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid10903811 A copy of the Notice of Demand dated 18}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 
\fs16\super\insrsid8401164\charrsid10903811  }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid10903811 August 2008 is annexed and marked }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \b\fs16\insrsid8401164\charrsid10903811 \'93ST8\'94}{
\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid10903811 .}}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10903811\charrsid1377315 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10903811\charrsid1377315 This second Notice stated the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4608490\charrsid1377315 account balance as at 31}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10903811\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4608490\charrsid1377315 July 2008 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10903811\charrsid1377315 to be }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4075315\charrsid1377315 $139, 274.15 with further interest at the rate}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9136187\charrsid1377315 
 of 12.5% per annum on Account No. 114864 and 10.25% per annum on Account No. 1155043 from }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10903811\charrsid1377315 0}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9136187\charrsid1377315 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10903811\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9136187\charrsid1377315 August 2008 until full payment.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5250676\charrsid1377315 FDB also served Kumar (Guarantor) the same Notice of Demand (addressed to Kumar with exactly the same demand) on the same day}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\cs27\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5250676\charrsid1377315 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s25\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs20\alang1025 
\ltrch\fcs0 \f31506\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \cs27\fs16\super\insrsid8401164\charrsid1458088 \chftn }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid1458088 
 A copy of the Notice of Demand dated 18 August 2008 is annexed and marked }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \b\fs16\insrsid8401164\charrsid1458088 \'93ST9\'94}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid1458088 .}}}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5250676\charrsid1377315 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10903811 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid9583223\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 10.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9583223\charrsid1377315 Neither }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10903811\charrsid1377315 Dayal}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9583223\charrsid1377315  nor Kumar took any step to settle the FDB debt}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6756663\charrsid1377315  as demanded.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9176879 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6827108\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 11.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6827108\charrsid1377315 Then on }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9252684\charrsid1377315 22}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6827108\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9252684\charrsid1377315 November 2008, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6827108\charrsid1377315 FDB }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9252684\charrsid1377315 exercise}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6827108\charrsid1377315 d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9252684\charrsid1377315  its powers }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16663042\charrsid1377315 as mortgagee }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9252684\charrsid1377315 over the property and advertised it for }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16663042\charrsid1377315 s}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9252684\charrsid1377315 ale in the Fiji Times and the Fiji Sun on 22 November 2008}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs27\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1458088\charrsid1377315 
\chftn {\footnote \ltrpar \pard\plain \ltrpar\s25\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {
\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \cs27\fs16\super\insrsid8401164\charrsid8267327 \chftn }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid8267327  A copy each of the advertisements are annexed and marked }{\rtlch\fcs1 
\af31507\afs16 \ltrch\fcs0 \b\fs16\insrsid8401164\charrsid8267327 \'93ST10\'94}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid8267327 .}}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9252684\charrsid1377315 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16663042\charrsid1377315 F}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9252684\charrsid1377315 ive tender}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15943049\charrsid1377315 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9252684\charrsid1377315  ranging from $54,500.00}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16663042\charrsid1377315  to $}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15943049\charrsid1377315 72,500.00 responded. A}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16663042\charrsid1377315 nd b}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1905658\charrsid1377315 y letter dated 20}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13242793\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1905658\charrsid1377315 January 2009, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13242793\charrsid1377315 FDB }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1905658\charrsid1377315 advised }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13242793\charrsid1377315 Dayal }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1905658\charrsid1377315 that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15943049\charrsid1377315 it would accept the highest}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1905658\charrsid1377315  tender unless }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15943049\charrsid1377315 Dayal settled }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1905658\charrsid1377315 the total debt}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15943049\charrsid1377315  plus accrued interest and costs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1905658\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15943049\charrsid1377315 within 14 days}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs27\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13242793\charrsid1377315 \chftn {\footnote \ltrpar 
\pard\plain \ltrpar\s25\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af31507\afs16 
\ltrch\fcs0 \cs27\fs16\super\insrsid8401164\charrsid8267327 \chftn }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid8267327  A copy of the said letter dated 20 January 2009 is annexed and marked }{\rtlch\fcs1 \af31507\afs16 
\ltrch\fcs0 \b\fs16\insrsid8401164\charrsid8267327 \'93ST11\'94}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid8267327 .  }}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2492297\charrsid1377315 .
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15943049 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid10098771\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 12.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10098771\charrsid1377315 
Dayal however still failed to redeem the mortgage debt. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15943049 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid10098771\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 13.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10098771\charrsid1377315 O}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2492297\charrsid1377315 n 12}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9137220\charrsid1377315  February 2009, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10098771\charrsid1377315 FDB }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9137220\charrsid1377315 sent a letter }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10098771\charrsid1377315 of acceptance }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9137220\charrsid1377315 to the tenderer}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\cs27\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10098771\charrsid1377315 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s25\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs20\alang1025 
\ltrch\fcs0 \f31506\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \cs27\fs16\super\insrsid8401164\charrsid8267327 \chftn }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid8267327 
 A copy of the said letter dated 12}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\super\insrsid8401164\charrsid8267327  }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid8267327 February 2009 is annexed and marked }{\rtlch\fcs1 
\af31507\afs16 \ltrch\fcs0 \b\fs16\insrsid8401164\charrsid8267327 \'93ST12\'94}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid8267327 .}}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9137220\charrsid1377315 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16002904\charrsid1377315 Then on }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9137220\charrsid1377315 18}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16002904\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9137220\charrsid1377315 March 20}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10770058\charrsid1377315 0}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9137220\charrsid1377315 9, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15943049\charrsid1377315 FDB }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9137220\charrsid1377315 entered }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16002904\charrsid1377315 into }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9137220\charrsid1377315 a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15943049\charrsid1377315 sale and purchase a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9137220\charrsid1377315 greement}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4486225\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15943049\charrsid1377315 over the property }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4486225\charrsid1377315 with the successful tenderer}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15943049\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9137220\charrsid1377315 for $72, 500.00}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs27\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16002904\charrsid1377315 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s25\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 
\cs27\fs16\super\insrsid8401164\charrsid8267327 \chftn }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid8267327  A copy of the said Sale and Purchase Agreement is annexed and marked }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 
\b\fs16\insrsid8401164\charrsid8267327 \'93ST13\'94.}}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15943049\charrsid1377315 . S}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12130936\charrsid1377315 ettlement }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11807409\charrsid1377315 took place on 22}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12130936\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11807409\charrsid1377315 October 2009}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9657271\charrsid1377315 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9657271 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8267327\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 14.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8267327\charrsid1377315 A}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6385984\charrsid1377315  Valuation Report dated 15}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8267327\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6385984\charrsid1377315 October 2008 of the property was prepared by Westate Consultants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4078717\charrsid1377315  which}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8267327\charrsid1377315  assessed }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6385984\charrsid1377315 
the Current Market Value of the property }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8267327\charrsid1377315 at }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6385984\charrsid1377315 $95,000.00}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs27\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8267327\charrsid1377315 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s25\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 
\cs27\fs16\super\insrsid8401164\charrsid8267327 \chftn }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid8267327  A copy of the Valuation Report dated 15}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 
\fs16\super\insrsid8401164\charrsid8267327  }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid8267327 October 2008 is annexed and marked }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \b\fs16\insrsid8401164\charrsid8267327 \'93ST15\'94}{
\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid8267327 .}}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6385984\charrsid1377315 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4078717\charrsid1377315 Tavainavesi deposes that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6385984\charrsid1377315 the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4078717\charrsid1377315  said}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6385984\charrsid1377315  Valuation Report did not specify the Forced Sale Value of the said property.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  '}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6385984 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4078717\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 15.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4078717\charrsid1377315 
Upon receiving the proceeds of sale, FDB immediately credit the money against Dayal}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4078717\charrsid1377315 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6385984\charrsid1377315  account}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4078717\charrsid1377315 . The debt balance for Account No. 115043 stood at $13,235.13 with arrears of $19,550.00.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4078717\charrsid1377315 And for Account No. 114864, the remaining debt balance stood at $88,793.16 with arrears of $23,805.09.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4078717 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4078717\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 16.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4078717\charrsid1377315 O}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6385984\charrsid1377315 n 26}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6570822\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4078717\charrsid1377315 October 2009, d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12549578\charrsid1377315 emand N}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6385984\charrsid1377315 otices were }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6570822\charrsid1377315 sent to the d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6385984\charrsid1377315 efendants to settle the outstanding balance sum}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs27\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6570822\charrsid1377315 \chftn {\footnote 
\ltrpar \pard\plain \ltrpar\s25\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 
\af31507\afs16 \ltrch\fcs0 \cs27\fs16\super\insrsid8401164\charrsid6570822 \chftn }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid6570822  A copy each of the said Demand Notices are annexed and marked }{\rtlch\fcs1 \af31507\afs16 
\ltrch\fcs0 \b\fs16\insrsid8401164\charrsid6570822 \'93ST16\'94}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid6570822 .}}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6385984\charrsid1377315 .}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6570822\charrsid1377315 O}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12998502\charrsid1377315 n 26}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6570822\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12998502\charrsid1377315 August 2010, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6570822\charrsid1377315 FDB}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6570822\charrsid1377315 s solicitor}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12998502\charrsid1377315 s sent }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6570822\charrsid1377315 Dayal }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12998502\charrsid1377315 Demand Notices}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs27\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6570822\charrsid1377315 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s16\ql \li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6570822 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 
\af31507\afs16 \ltrch\fcs0 \cs27\fs16\super\insrsid8401164\charrsid6570822 \chftn }{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid6570822  A copy each of the said Demand Notices are annexed and marked }{\rtlch\fcs1 \af31507\afs16 
\ltrch\fcs0 \b\fs16\insrsid8401164\charrsid6570822 \'93ST17\'94}{\rtlch\fcs1 \af31507\afs16 \ltrch\fcs0 \fs16\insrsid8401164\charrsid6570822 .
\par }}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12998502\charrsid1377315  to pay the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6570822\charrsid1377315 following }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12998502\charrsid1377315 remaining debts within 14 days.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12998502 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4002841\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 a.\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls10\ilvl1\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4002841\charrsid1377315 a}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6570822\charrsid1377315 ccount No. 115043 - $19,339.60 together with interest accruing thereon at the rate of 10.25% per annum from 1st August 2010; and
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6570822\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4002841\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 b.\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls10\ilvl1\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4002841\charrsid1377315 a}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6570822\charrsid1377315 ccount No. 114864 - $105,833.85 together with interest accruing thereon at the rate of 12.5% per annum from 1st August 2010.
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6570822\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid10361399\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 17.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10361399\charrsid1377315 T}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4002841\charrsid1377315 he defendants however }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10361399\charrsid1377315 
have failed and/or neglected to pay the outstanding amount and the default continues }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4002841\charrsid1377315 to date}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10361399\charrsid1377315 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4002841 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4002841\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 18.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4002841\charrsid1377315 
Tavainavesi says, on advice, that the d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10361399\charrsid1377315 efendants have not shown a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4002841\charrsid1377315 ny valid and meritorious ground in their statement of d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10361399\charrsid1377315 efence.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4002841\charrsid1377315  She asks for summary j}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3165806\charrsid1377315 udgment }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4002841\charrsid1377315 against the defendants as follows:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3165806\charrsid1377315 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13443846\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3165806\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (i)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls7\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3165806\charrsid1377315 
Account No. 115043 - $19,339.60 together with interest accruing thereon at the rate of 10.25% per annum from 1st August 2010; and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3165806 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3165806\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (ii)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls7\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3165806\charrsid1377315 
Account No. 114864 - $105,833.85 together with interest}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2376784\charrsid1377315  accruing thereon at the rate of 12.5% per annum from 1st August 2010.
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9176879\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (a)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 Costs on an indemnity basis.

\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 THE LAW
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 19.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 Order 14 Rule 1(1)}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315  states as follows:
\par }\pard\plain \ltrpar\s17\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 
\par }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe3081\langnp2057\langfenp3081\insrsid3618648\charrsid1377315 
1.-(1) Where in an action to which this rule applies a statement of claim 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 the defendant has no defence to a claim i
ncluded in the writ, or to a particular part of such a claim, or has no defence to such a claim or part except as to the amount of any damages claimed, apply to the Court for }{\rtlch\fcs1 \ab\ai\af0\afs20 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe3081\langnp2057\langfenp3081\insrsid3618648\charrsid1377315 judgement }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe3081\langnp2057\langfenp3081\insrsid3618648\charrsid1377315 against that defendant.}{
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs24\lang2057\langfe3081\langnp2057\langfenp3081\insrsid3618648\charrsid1377315 
\par }\pard\plain \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 20.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 The
 Order 14 summary judgment procedure is available to any plaintiff who desires a quick judgment on his or her claim.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 Courts grant summary judgment where it is clear that the defendant has no defence to the claim.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 Courts will also grant summary judgment i
f the defence raised is either not a bona fide defence or discloses no triable issue and will merely have the effect of delaying a judgment in favour of the plaintiff. (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 Carpenters Fiji Ltd. v Joes Farm Produce Ltd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 
 Civil Appeal No. ABU 0019/2006).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 21.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 The plain
tiff must prove each claim clearly and must satisfy the court that the defendant has no defence which has any realistic prospect of success.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 22.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 
Once the plaintiff establishes his or her claim, the evidential and persuasive burden then shifts to the defendant who must adduce affidavit evidence dealing specifically with the plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 
s claim and also stating clearly what the defence is and what facts he or she relies on to resist the entry of summary judgment (see }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 
Magan Lal Brothers Ltd. V L.B. Masters and Co}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 . Civil Appeal No. 31/84}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 ).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 23.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 
If the defendant has not filed an affidavit but a defence, the Court must then direct its attention to the issues raised in the defence to see whether the defence has merits and is not just a sham 
to delay judgment or avoid the necessity of showing cause by affidavit (see }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 Magan Lal}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315  (supra) and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 Halsbury}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 s Laws of England}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 (4th edition) Volume 37 paras 413 \endash  415, Notes 4}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 ).
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 THE DEFENDANTS}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid1377315 '}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315  POSITION
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 24.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3618648\charrsid1377315 
The defendants have not filed any affidavit }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6448683\charrsid1377315 to oppose the application. I have reviewed their statement of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15663960\charrsid1377315 defence.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15663960\charrsid1377315 They plead that they }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3807008\charrsid1377315 
were never explained matters relating to the interest rate nor were they explained and/or interpreted the arbitrary powers}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7887770\charrsid1377315 
 of variation of the loan and recall }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15663960\charrsid1377315 vested }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7887770\charrsid1377315 by }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15663960\charrsid1377315 in FDB}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7887770\charrsid1377315 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15663960 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid15663960\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 25.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15663960\charrsid1377315 Dayal }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10692704\charrsid1377315 admits to the further advance but asserts that this was done without the knowledge or approval of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15663960\charrsid1377315  Kumar. Dayal also admits that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10692704\charrsid1377315 certain securities were given but }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15663960\charrsid1377315 Kumar}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15663960\charrsid1377315 s }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10692704\charrsid1377315 guarantee }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15663960\charrsid1377315 did not }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10692704\charrsid1377315 cover }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15663960\charrsid1377315 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10692704\charrsid1377315 further advances.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10692704 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8987498\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 26.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8987498\charrsid1377315 The defendants also plead th
at the FDB failed }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9853152\charrsid1377315 to inform the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8987498\charrsid1377315 m}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9853152\charrsid1377315  of the tenders.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8987498\charrsid1377315  The plead as follows:}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9853152\charrsid1377315 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8987498\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8987498\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 1.\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\ilvl3\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8987498\charrsid1377315 
The Plaintiffs failed to disclose to the Defendants the tender price for which the property was sold.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8987498 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8987498\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 2.\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\ilvl3\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8987498\charrsid1377315 
That the defendants sold the mortgaged property for a sum for less than the actual market value of the property resulting in loss to the defendants.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8987498 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8987498\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 3.\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\ilvl3\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8987498\charrsid1377315 
The Plaintiffs failed to obtain the best available price for the mortgaged property resulting in loss to the defendants.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8987498 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8987498\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 4.\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\ilvl3\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8987498\charrsid1377315 
That the Plaintiffs failed to account to the Defendants for the sale of the mortgaged property and the sum credited towards the account.
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8987498\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid10376591\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 27.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10376591\charrsid1377315 T}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16018048\charrsid1377315 he defendants deny owing }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10376591\charrsid1377315 FDB }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16018048\charrsid1377315 the sum of $125, 173.00 and interest or any sum at all.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10376591\charrsid1377315 They also claim that the FDB}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10376591\charrsid1377315 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8616357\charrsid1377315  claim is contrary to the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10376591\charrsid1377315 Consumer Credit Act and the Fair}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8616357\charrsid1377315  Trading Decree.
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8285025\charrsid1377315 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid8285025\charrsid1377315  ANALYSIS OF DEFENDANTS}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid1377315 '}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid8285025\charrsid1377315  POSITION
\par 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8285025\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 28.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8285025\charrsid1377315 
I am of the view that the defence lacks merit and is merely a sham defence to delay judgement and to avoid the necessity of having to show cause by affidavit. My reasons follow:
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8285025\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8285025\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (i)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8285025\charrsid1377315 the documentary evidence
 in the affidavit of Tavainavesi shows that both defendants signed the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6374330\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8285025\charrsid1377315 Guarantee }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6374330\charrsid1377315 to the initial loan }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8285025\charrsid1377315 before their own solicitor on 06 September}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10293875\charrsid1377315  2006}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4468788\charrsid1377315  (see }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13703205\charrsid1377315 footnote 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4468788\charrsid1377315 )}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13466419\charrsid1377315 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13466419 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6374330\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (ii)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6374330\charrsid1377315 the documentary evidence}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10709746\charrsid1377315  (see footnote 2)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6374330\charrsid1377315  further shows that}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10293875\charrsid1377315  both }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6374330\charrsid1377315 Dayal and Kumar also signed their 
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10293875\charrsid1377315 accept}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6374330\charrsid1377315 ance of FDB}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6374330\charrsid1377315 s }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10293875\charrsid1377315 offer of additional facilit}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13466419\charrsid1377315 y on 23 November 2006}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6374330\charrsid1377315 . The relevant documents bear their }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13466419\charrsid1377315 signatures to that effect.}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8285025 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe3081\dbch\af0\langnp2057\langfenp3081\insrsid16391262\charrsid1377315 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}\pard\plain \ltrpar
\s17\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin720\itap0\pararsid1377315\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe3081\langnp2057\langfenp3081\insrsid16391262\charrsid1377315 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe3081\langnp2057\langfenp3081\insrsid4468788\charrsid1377315 defendant}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe3081\langnp2057\langfenp3081\insrsid1377315 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe3081\langnp2057\langfenp3081\insrsid4468788\charrsid1377315 
s plea that they were not explained the interest rate and/or FDB}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe3081\langnp2057\langfenp3081\insrsid1377315 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe3081\langnp2057\langfenp3081\insrsid4468788\charrsid1377315 s power }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe3081\langnp2057\langfenp3081\insrsid1377315 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4468788\charrsid1377315 of variation of the loan and recall}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4468788\charrsid1377315  as they put it, rings hollow. I say that because, firstly, they had the benefit of being represented by}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2056851\charrsid1377315  their own }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4468788\charrsid1377315 lawyer and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2056851\charrsid1377315  secondly}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4468788\charrsid1377315 , in any event, the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe3081\langnp2057\langfenp3081\insrsid16391262\charrsid1377315 defence of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe3081\langnp2057\langfenp3081\insrsid16391262\charrsid1377315 non est factum}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe3081\langnp2057\langfenp3081\insrsid16391262\charrsid1377315  is not lightly allowed where a person of full age and capacity has signed a written document emboding contractual terms (}{\rtlch\fcs1 
\ai\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe3081\langnp2057\langfenp3081\insrsid16391262\charrsid1377315 Saunders v. Anglia Building Society}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe3081\langnp2057\langfenp3081\insrsid16391262\charrsid1377315  (1971) A.C. l004}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe3081\langnp2057\langfenp3081\insrsid16391262\charrsid1377315 ).}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe3081\langnp2057\langfenp3081\insrsid16391262 
\par }\pard \ltrpar\s17\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe3081\langnp2057\langfenp3081\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid16391262\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (iv)\tab}}\pard\plain \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin720\itap0\pararsid1377315 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16391262\charrsid1377315 I note that the statement of defence is pleaded in such a way so that it is Dayal who}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4858049\charrsid1377315  is actually pleading}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16391262\charrsid1377315  that the further advance}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4858049\charrsid1377315  to him (Dayal)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16391262\charrsid1377315  was done without the knowledge and consent of }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4353949\charrsid1377315 the guarantor (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16391262\charrsid1377315 Kumar}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4353949\charrsid1377315 )}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16391262\charrsid1377315 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4353949\charrsid1377315 I query w}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4858049\charrsid1377315 hy Kumar}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16391262\charrsid1377315  himself has not pleaded that.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4858049\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1332170\charrsid1377315 In any event, t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4353949\charrsid1377315 hat shortfall }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1332170\charrsid1377315 could have been addressed by}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1332170\charrsid1377315 Kumar filing }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9058433\charrsid1377315 an affidavit }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4353949\charrsid1377315 to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2056851\charrsid1377315  properly set up}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1332170\charrsid1377315  his refuting evidence}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9058433\charrsid1377315 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1332170\charrsid1377315 Such evidence}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1053389\charrsid1377315 , I imagine,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1332170\charrsid1377315  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12001838\charrsid1377315 would have to allege that the signatures were forged.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12353254\charrsid1377315  I note that the pleading makes no allegation of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 "}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12353254\charrsid1377315 forged signature(s)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12353254\charrsid1377315 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1332170 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid1332170\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (v)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1332170\charrsid1377315 since Kumar has }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4353949\charrsid1377315 chose}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1332170\charrsid1377315 n}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4353949\charrsid1377315  not to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12001838\charrsid1377315  swear an affidavit}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12353254\charrsid1377315 , the only conclusion I can make is that the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12001838\charrsid1377315 
defence is a sham defence designed to avoid the necessity of having to show cause by affidavit.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4353949 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12353254\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (vi)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12353254\charrsid1377315 t}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4353949\charrsid1377315 he}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12353254\charrsid1377315  defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12353254\charrsid1377315  allegation }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12402470\charrsid1377315 that FDB}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid732073\charrsid1377315  failed to inform the defendants}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12353254\charrsid1377315  of the tenders}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid732073\charrsid1377315  or the tender price that it had accepted }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12402470\charrsid1377315 is also rather weak}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid732073\charrsid1377315 
 when considered against t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12402470\charrsid1377315 he documentary }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4353949\charrsid1377315 evidence in Tavainavesi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4353949\charrsid1377315 s affidavit that the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10293875\charrsid1377315 
FDB did send to Dayal a final notice that it would accept the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid732073\charrsid1377315 highest }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10293875\charrsid1377315 tender and the amount if Dayal did not redeem in 14 days.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid732073\charrsid1377315  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid732073 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid732073\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (vii)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid732073\charrsid1377315 a}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14640414\charrsid1377315 gain, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid732073\charrsid1377315 the defendants }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14640414\charrsid1377315 could have }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid732073\charrsid1377315 file}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14640414\charrsid1377315 d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid732073\charrsid1377315  an affidavit to refute}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14640414\charrsid1377315  that evidence \endash  but chose not to.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10293875 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid10293875\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (viii)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10293875\charrsid1377315 
the allegation that the FDB sold the property for a sum less that actual market value is weak when held against the evidence that FDB did duly advertise the property on mortgagee sale and that the bank did accept the highest bidder.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2177925\charrsid1377315  While a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14640414\charrsid1377315  mortgagee indeed has }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2177925\charrsid1377315 an obligation to a mortgagor to obtain the best price, that obligation does not equate to a duty to obtain the best market price imaginable.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9796268\charrsid1377315  A mortgagee, after all, has rights of its own which he is entitled to exercise adversely to the mortgagor. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9796268 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe5129\dbch\af0\langnp2057\langfenp5129\insrsid9796268\charrsid1377315 \hich\af0\dbch\af0\loch\f0 (ix)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315 in }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315 Bank of Cyprus (London) Ltd v Gill}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315 [1979] 2 Lloyds LR 508}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid4736702\charrsid1377315 ,}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid1377315  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315 the mortgaged security }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid4736702\charrsid1377315 in question }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315 was a hotel}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid4736702\charrsid1377315 . The mortgagee had taken possession of the property after the mortgagor had defaulted.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid1377315  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315 Following a }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid12601548\charrsid1377315 consultant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid1377315 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid12601548\charrsid1377315 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315  report the mortgagee closed the hotel}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid4736702\charrsid1377315 . Later}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315 , }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid4736702\charrsid1377315 the mortgagee }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315 sold it }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid4736702\charrsid1377315 by private treaty. After the sale, the mortgagee }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315 sued the mortgagor for the balance of mortgage debt after deduction of the sale}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid4736702\charrsid1377315  proceeds.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid1377315  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid15816687\charrsid1377315 I}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid4736702\charrsid1377315 
t so happened that, some three years after they acquired the property, the new owners the sold it on to another for a price that was higher than the mortgage debt. The mortgagor argued that}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315  the bank had failed to exercise reasonable care}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid4736702\charrsid1377315 
 and, of course, cited }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315 the subsequent sale of the hotel by the new owner for a sum in excess of the mortgage debt. }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1590074\charrsid1377315 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe5129\dbch\af0\langnp2057\langfenp5129\insrsid9796268\charrsid1377315 \hich\af0\dbch\af0\loch\f0 (x)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315 
Lloyd J based his decision on }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315 Cuckmere Brick Co Ltd v Mutual Finance Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\f0\fs24\ul\lang2057\langfe5129\langnp2057\langfenp5129\insrsid1590074\charrsid1377315  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1590074\charrsid1377315 [1971] Ch 949}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid15816687\charrsid1377315 and said}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315 :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9796268\charrsid1377315 
\par }\pard\plain \ltrpar\s17\ql \li1440\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid1377315\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315 
\par }\pard\plain \ltrpar\s16\ql \li1440\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid1377315 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\langfenp5129\insrsid9796268\charrsid1377315 The law, as I understand it, 
is that a mortgagee in possession is entitled to sell at any time. He is not obliged to wait on a rising market or for a market to recover. But at the same time he cannot sell without taking proper price at the time in question. That in itself may take so
me time
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1590074\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14640414\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (xi)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14640414\charrsid1377315 in }{\rtlch\fcs1 \ab\af0 
\ltrch\fcs0 \cs31\b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid1590074\charrsid1377315 Standard Chartered Bank Ltd v Walker}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs32\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1590074\charrsid1377315  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \cs32\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1590074\charrsid1377315 [1982] 3 All ER 938}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs32\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1590074\charrsid1377315 , }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14640414\charrsid1377315 a guarantor was called upon to make up the deficiency of the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid9987642\charrsid1377315 mortgagor}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid1377315 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid9987642\charrsid1377315 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9987642\charrsid1377315  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14640414\charrsid1377315 
indebtedness upon realisation of the mortgaged security. The guarantor alleged there had been negligence in the conduct and timing of the sale by the mortgagee and that the receiver of the property had acted under the mortgagee}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14640414\charrsid1377315 s instructions becoming in effect the mortgagee}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14640414\charrsid1377315 s agent.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1590074\charrsid1377315  Lord Denning M R affirmed }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid14640414\charrsid1377315 Cuckmere Brick}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1590074\charrsid1377315  as follows}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14640414\charrsid1377315 :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14640414\charrsid1377315 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par }\pard\plain \ltrpar\s29\ql \li1440\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid1377315 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe3081\cgrid\langnp3081\langfenp3081 {\rtlch\fcs1 
\af0\afs20 \ltrch\fcs0 \lang2057\langfe3081\langnp2057\insrsid1590074\charrsid1377315 "This duty is only a particular application of the general duty of care to your neighbour which was stated in Donoghue v Stevenson [1932] A C 5326 \'85
 The mortgagor and the guarantor are clearly in very close }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \lang2057\langfe3081\langnp2057\insrsid1377315 '}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \lang2057\langfe3081\langnp2057\insrsid1590074\charrsid1377315 proximity}{
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \lang2057\langfe3081\langnp2057\insrsid1377315 '}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \lang2057\langfe3081\langnp2057\insrsid1590074\charrsid1377315  to those who conduct the sale. The duty of care is owing to them, i
f not to the general body of creditors of the mortgagor. There are several dicta to the effect that the mortgagee can choose his own time for the sale, but I do not think this means that he can sell at the worst possible time. It is at least arguable that
 in choosing the time, he must exercise a reasonable degree of care."
\par .........................
\par "If a mortgagee enters into possession and realises a mortgaged property, it is his duty to use reasonable care to obtain the best possible price which the circu
mstances of the case permit. He owes this duty not only to himself (to clear off as much of the debt as he can) but also to the mortgagor so as to reduce the balance owing as much as possible, and also to the guarantor so that he is made liable for as lit
tle as possible on the guarantee."
\par }\pard \ltrpar\s29\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \lang2057\langfe3081\langnp2057\insrsid1590074\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14640414\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (xii)\tab}}\pard\plain \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin720\itap0\pararsid1377315 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14640414\charrsid1377315 there is nothing in the defence to allege that the FDB might have wrongly calculated the sum owing.
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13466419\charrsid1377315 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid15816687\charrsid1377315 CONCLUSION
\par 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid15816687\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 29.\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15816687\charrsid1377315 
I enter summary judgement against the defendants jointly and severally for the following sums:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12791805 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid30189\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (i)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls13\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid30189\charrsid1377315 Account No. 
115043 - $19,339.60 together with interest accruing thereon at the rate of 10.25% per annum from 01 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315 August 2010.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid30189 
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1377315\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid30189\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (ii)\tab}}\pard \ltrpar
\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls13\adjustright\rin0\lin720\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid30189\charrsid1377315 
Account No. 114864 - $105,833.85 together with interest accruing thereon at the rate of 12.5% per annum from 01 August 2010.
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid30189\charrsid1377315 
\par {\listtext\pard\plain\ltrpar \s16 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid30189\charrsid1377315 \hich\af0\dbch\af31506\loch\f0 (b)\tab}}\pard \ltrpar
\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid30189\charrsid1377315 $1,500 costs.
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid30189\charrsid1377315 
\par }\pard \ltrpar\s16\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1377315 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid30189\charrsid1377315 
...............................}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9004000 ......}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid30189\charrsid1377315 
\par Anare Tuilevuka
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid30189\charrsid1377315 JUDGE
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid30189\charrsid1377315 07 October 2013}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12473443\charrsid1377315 
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