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{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhimajor\f31528\fbidi \fswiss\fcharset238\fprq2 Calibri Light CE{\*\falt Calibri};}{\fhimajor\f31529\fbidi \fswiss\fcharset204\fprq2 Calibri Light Cyr{\*\falt Calibri};}
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{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
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{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\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;}{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}
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{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
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{\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;}
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\wrppunct\asianbrkrule\rsidroot5790149\newtblstyruls\nogrowautofit\usenormstyforlist\noindnmbrts\felnbrelev\nocxsptable\indrlsweleven\noafcnsttbl\afelev\utinl\hwelev\spltpgpar\notcvasp\notbrkcnstfrctbl\notvatxbx\krnprsnet\cachedcolbal \nouicompat \fet0
{\*\wgrffmtfilter 2450}\nofeaturethrottle1\ilfomacatclnup0{\*\ftnsep \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3217965 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid2254793 \chftnsep 
\par }}{\*\ftnsepc \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3217965 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 
{\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid2254793 \chftnsepc 
\par }}{\*\aftnsep \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3217965 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 
{\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid2254793 \chftnsep 
\par }}{\*\aftnsepc \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3217965 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid2254793 \chftnsepc 
\par }}\ltrpar \sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid4487877\sftnbj {\footerr \ltrpar \pard\plain \ltrpar\s19\qc \li0\ri0\widctlpar\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 
\rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid2254793 }{\field{\*\fldinst {\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid16284075  PAGE   \\
* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \af31507 \ltrch\fcs0 \lang1024\langfe1024\noproof\insrsid743093 1}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af31507 \ltrch\fcs0 \lang1024\langfe1024\noproof\insrsid2254793 }{\rtlch\fcs1 
\af31507 \ltrch\fcs0 \insrsid16608717 
\par }\pard \ltrpar\s19\ql \li0\ri0\widctlpar\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 {\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid16608717 
\par }}{\*\pnseclvl1\pnucrm\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl2\pnucltr\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl3\pndec\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl4\pnlcltr\pnstart1\pnindent720\pnhang {\pntxta )}}
{\*\pnseclvl5\pndec\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl6\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl7\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl8
\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl9\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}\pard\plain \ltrpar\qc \li0\ri0\sa200\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8676542 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\b\f39\fs24\ul\insrsid5524483 IN THE HIGH COURT OF FIJI AT LAUTOKA
\par CIVIL JURISDICTION}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid8676542 
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid5524483 Civil Action NO. HBC 98 of 2011
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid8676542 
\par BETWEEN
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts16\trqc\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trwWidthA90\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid8676542\tbllkhdrrows\tbllkhdrcols\tbllknocolband
\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth7517\clshdrawnil\clhidemark \cellx7409\pard\plain \ltrpar
\qc \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid743093\yts16 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \b\f39\fs24\ul\insrsid8676542 FIJI DEVELOPMENT BANK}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid8676542  a body corporate duly constituted under the Fiji Development B
ank Act, Cap 214 having its registered office at 360 Victoria Parade, Suva in Fiji.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid8676542 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid8676542 
\trowd \irow0\irowband0\ltrrow\ts16\trqc\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trwWidthA90\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid8676542\tbllkhdrrows\tbllkhdrcols\tbllknocolband
\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth7517\clshdrawnil\clhidemark \cellx7409\row \ltrrow}\trowd \irow1\irowband1\ltrrow
\ts16\trqc\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trwWidthA180\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid8676542\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth7427\clshdrawnil \cellx7319\pard\plain \ltrpar\qc \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid743093\yts16 \rtlch\fcs1 
\af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid8676542 Plaintiff
\par \cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {
\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid8676542 \trowd \irow1\irowband1\ltrrow
\ts16\trqc\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trwWidthA180\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid8676542\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth7427\clshdrawnil \cellx7319\row \ltrrow}\pard\plain \ltrpar
\qc \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid8676542\yts16 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \b\f39\fs24\ul\insrsid8676542\charrsid8676542 AND
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid8676542 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid8676542 \trowd \irow2\irowband2\ltrrow
\ts16\trqc\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trwWidthA180\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid8676542\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth7427\clshdrawnil \cellx7319\row \ltrrow}\trowd \irow3\irowband3\ltrrow
\ts16\trqc\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid8676542\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth7607\clshdrawnil\clhidemark \cellx7499\pard\plain \ltrpar\qc \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid743093\yts16 \rtlch\fcs1 
\af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid8676542 MOAPE NAGATA and ALESI NAGATA }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid8676542 both of Malolo, Nadi in Fiji.
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid8676542 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid8676542 \trowd \irow3\irowband3\ltrrow
\ts16\trqc\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid8676542\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth7607\clshdrawnil\clhidemark \cellx7499\row \ltrrow}\trowd \irow4\irowband4\lastrow \ltrrow
\ts16\trqc\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trwWidthA180\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid8676542\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth7427\clshdrawnil\clhidemark \cellx7319\pard\plain \ltrpar\qc \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid8676542\yts16 
\rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid8676542 Defendants\cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid8676542 
\trowd \irow4\irowband4\lastrow \ltrrow\ts16\trqc\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trwWidthA180\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid8676542\tbllkhdrrows\tbllkhdrcols\tbllknocolband
\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth7427\clshdrawnil\clhidemark \cellx7319\row }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5524483 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid5524483 
\par }\pard \ltrpar\ql \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5524483 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid5524483\charrsid5524483 Counsel}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \b\f39\fs24\insrsid5524483 \tab \tab }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid1708496   }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 : Ms Shiu}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid8283147  Choo}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483\charrsid5524483  for plaintiff}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 \tab \tab \tab }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1708496   }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 : Ms }{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid8283147 V }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 Salote}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483  for defendants
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid5524483\charrsid7691652 Date of Trial}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 \tab }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1708496   }{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 :}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7691652  08 July 2016
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid5524483\charrsid7691652 Date of Judgment}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid1708496  }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid6761837 :}{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1708496  }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid6761837 05}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7691652  October 2016}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid5524483 
\par 
\par }\pard \ltrpar\qc \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5524483 {\rtlch\fcs1 \af31507\afs44 \ltrch\fcs0 \b\f39\fs44\ul\insrsid5524483\charrsid7691652 J U D G M E N T
\par }\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5524483 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid5524483 Introduction 
\par }\pard \ltrpar\qj \fi-630\li630\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin630\itap0\pararsid1708496 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483\charrsid5524483 [01]}{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483  Fiji Development Bank (\lquote FDB\rquote ), the plaintiff brought this action against Moape Nagata and Alesi Nagata, the defendants claiming}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid11356392  amongst other things}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid8283147  }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11356392 judgment in the sum}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid8283147  }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11356392 of $}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 140,356.33 with interest and costs.
\par [02] The defendants denied the claim and counterclaimed}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid8283147  }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid15667955 against the plaintiff }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid11356392 amongst other things judgment }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 in the sum }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11356392 of $140,356.33 with interest and costs.}{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 
\par }\pard \ltrpar\qj \fi-630\li630\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin630\itap0\pararsid8196002 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11356392 [03] }{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid8196002  }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11356392 It will be noted the defendants\rquote  counterclaim is for the same amount }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid15667955 
that the plaintiff claims in its writ of summons.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11356392 
\par [04] }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid8196002  }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11356392 At the trial, the plaintiff called }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11428948 
Mohammed Jaffar as witness}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16070999  (\lquote }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \i\f39\fs24\insrsid16070999\charrsid16070999 P/W1\rquote }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid16070999 )}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11428948  and tendered in by consent the Agreed Bundle of Documents as P/Exhibit 1-71.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11356392 
\par }\pard \ltrpar\qj \fi-630\li630\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin630\itap0\pararsid1708496 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11428948 
[05] The defence called Moape Nagata, the first defendant}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16070999  (}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \i\f39\fs24\insrsid16070999\charrsid16070999 \lquote D/W1\rquote }{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16070999 )}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11428948 . The defendant tendered in no documents.
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8196002 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11428948 [06] }{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid8196002  }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11428948 Both parties also filed their respective written submission. I am grateful }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid8196002  }{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11428948 for their comprehensive}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid2967140  written submission.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11428948 
\par }\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5524483 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid2967140\charrsid2967140 Plaintiff\rquote s Case}{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid2967140 
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5506417 [07] The facts according to the plaintiff were as follows:
\par }\pard \ltrpar\qj \fi-630\li630\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin630\itap0\pararsid1708496 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 [08] The 
defendant made an application to the Plaintiff seeking approval for loan facility for the purchase of Native Lease}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid8283147  No.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 
 18881 located on lot 2 Kurakura (\'93Mortgage Property\'94) for a consideration sum of $140,000.00.  The Plaintiff approved mortgage facility for a sum of $131,000.00 being the principal sum (\'93Principal Sum\'94
) and issued a Loan offer letter in January 2005. The Defendants accepted the offer.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid12519135  They}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 
 executed the Mortgage documents }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid12519135 in }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 June 2005.  The document inter alia entailed the interest rate paya
ble for such period on the Principal Sum which was subject to change and further encompassed the right and obligations of the mortgagee and the mortgagor in the event of default.
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid12519135 [09] Upon}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  preparation of the mortgage documents the Plaintiff as required und
er mortgage procedures, advised the Defendants to seek independent legal advice and have the Mortgage documents witnessed }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid12519135 by a solicitor}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid11694981 . }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid12519135 Accordingly his solicitor,}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  Mr Siddharth}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid1708496  }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid12519135 Nandan advised and}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  witnessed the mortgage documents.
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid12519135 [10] A}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  sum of $8,800.00 was transferred from the 2}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\super\insrsid11694981 nd}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  Defendant\rquote s FNPF account to the Plaintiff, being the deposit sum over the Mortgage Property. 
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5724743 [11] Shortly}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  thereafter the Defendants defaulted in mortgage repayments and }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid1922929 the }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 Plaintiff issued several arrear}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1922929 s}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid11694981  n}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5724743 otices}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 .The Plaintiff}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5724743  also}{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  issued a letter }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5724743 and }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 
notified the Defendants of the increased variable interest rate on }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5724743 the}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 
 loan account. The interest rate imposed on the defendants was 11.90% under Residential Owner.
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5724743 [12] The}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  defend}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5724743 ants continued to default in the}{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  loan repayments and the Plaintiff exercise}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5724743 d}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 
 recovery action. The Plaintiff conducted a valuation through Bayleys and provided the Plain}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5724743 tiff with the valuation report.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid11694981 
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5724743 [13] }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 The Mortgage Property was advertised in the dailies and seve}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid5724743 ral tenders were received. Of}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  all the tenders received the Plaintiff accepted one tender sent by one Aruna Devi for the sum of $145,000.00. }{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5724743 The defendants refused to vacate the property}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid2167840  and kept on asking further time to settle the arrears}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid5724743 . As a result, Aruna Devi withdrew}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1708496  }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 her tender and refused 
to purchase the Mortgage Property.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid2167840  The Plaintiff issued a n}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 otice to }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid2167840 quit}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  through their solicitors and shortly thereafter High Court Civil Action no. 224 of 2009 was commenced against the Defendan}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid2167840 ts.However,}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  the parties agreed to a terms of settlement}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid2167840 ,}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid11694981  which was made orders of the Court and vacant possession was ordered by the Court.
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid2167840 [14] }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 By private sale the Plaintiff re-advertised the Mortgage Property and only $100,000}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid8283147 .00}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  was the highest tendered offe}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid2167840 r}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid11694981  despite }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid2167840 that }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 the Mortgage Propert}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid1922929 y being valued at $166,000.00 as}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  market price by Bayleys. }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid2167840 The}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid11694981  Plaintiff sold the Mortgage Property at the highest tender being $100,000.00 to a Sharoon}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1708496  }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid11694981 Riaz Ali.  The sale proceed}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid2167840 s were}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  credited into the Defendants\rquote 
 Loan Account.As at the date of sale of the Mortgage Property the Defendant\rquote s loan account stood with arrears and interest, at $140,456.33}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1315582 
. The sale proceeds were insufficient to cover}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  the debts}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1315582 . The plaintiff issued a demand n}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid11694981 otice to settle the }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1315582 balance on}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  the loan facility with i}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid1315582 nterest at 10.25%}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 .
\par }\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15667955 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid15667955\charrsid1708496 Defendant\rquote s Case}{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid13520499\charrsid1708496 
\par }\pard \ltrpar\qj \fi-630\li630\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin630\itap0\pararsid1708496 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13520499 [15}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid15667955\charrsid5506417 ]}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid15667955  In the statement of defence and counterclaim the defendants }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7691652 
state the following.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid15667955\charrsid13520499 
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13520499 [16}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7691652 ]}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7414355  T}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid5524483 he Defendants admit the default and the consequent sale of the property under m}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7414355 ortgagee sale, how}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1922929 
ever dispute that they still owe}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483  a balance sum}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7414355  of}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1708496  }{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7414355 $140,356.33 }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 as at 31}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\super\insrsid5524483 st}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid7414355  March 2011 }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 or that they are liable to payment }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7414355 of interest of 10.25% per annum.
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13520499 [17}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7414355 ] The plaintiff\rquote s loan approval for the purchase of }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid5524483 the prope}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7414355 rty comprised in Native Lease No}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 . 18881 }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid11868984 and the}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7414355  sale }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 by mortgagee sale was done through a fraudulent s
cheme with the knowledge of the Plaintiff and its officers and/or agents designed to unjustly enrich the Plaintiff at the expense and }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11868984 at the detriment}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid5524483  of the Defendants.
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13520499 [18}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11868984 ]}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1708496  T}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid5524483 he defendants in seeking a loan for the purchase of the Native Lease No. 18881 together with the residential dwelling comprised therein was required to arrange a valuation which said valuation was organised by the Plaintiffs}{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1922929 ,}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483  its officers and/or agents and the said valuation jacked/hiked up the value of the property to enable the Defe
ndants to decrease their direct contribution and also giving a false valuation.
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13520499 [19}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11868984 ] As}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483  a result of the jacked/hiked valuation}{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11868984 ,}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483  the Defendants paid for more than what the property was worth and this was to their detriment.
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13520499 [20}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13830973 ] T}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 
he Defendants purchased the said property for their personal residential }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13830973 use }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 
and untitled all their savings in the purchase of the same.
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13520499 [21}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13830973 ] T}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 
he Plaintiffs in carrying out a sale of the property through mortgagee sale failed to obtain/realise a tender equivalent to or above the market values.
\par }\pard \ltrpar\qj \fi-540\li540\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin540\itap0\pararsid1708496 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13520499 [22}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid13830973 ]}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1708496  }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13830973 The}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483  Plaintiffs}{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1922929 ,}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483  their officers and agents acted fraudulently resulting in loss and detriment of the Defendants.
\par }\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13830973 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid13830973\charrsid13830973 The Plaintiff\rquote 
s Reply to Defence and Counterclaim}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid13830973 
\par }\pard \ltrpar\qj \fi-630\li630\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin630\itap0\pararsid1708496 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13520499 [23}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid13830973\charrsid13830973 ]}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13830973  The plaintiff denies that its officers and/agents were engaged in any fraudulent scheme as claimed}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid8865884  and says that the valuation report was conducted by the Northern Property Valuation and Consultants whereby Market Valuation was undertaken and factors such
 as the size of the block, tenure, zoning, design of the building as an investment, desirability of location and all improvements were taken into account. As a result, Northern Property Valuation and Consultants presented a Market value of $195,000.00. Th
e
 plaintiff further states that the valuation undertaken was done without any input or interference by its agents and/servants. The plaintiff also states that the property was advertised under mortgagee sale and that a tender amount of $100,000.00 was offe
red for }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid2241561 the property}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid8865884 .}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13830973\charrsid13830973 
\par }\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2241561 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid5524483\charrsid2241561 Agreed Facts}{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483\charrsid2241561 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1708496 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13520499 [24}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid2241561 ] }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 The following matters }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid2241561 were agreed by the parties at the Pre-Trial Conference (
\lquote PTC\rquote ):}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507\afs22 \ltrch\fcs0 \b\i\f39\fs22\insrsid5524483\charrsid2241561 \hich\af39\dbch\af31506\loch\f39 1.\tab}}\pard\plain \ltrpar\s15\qj \fi-720\li1440\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1440\itap0\pararsid1050241\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af31507 
\ltrch\fcs0 \b\i\f39\ul\insrsid5524483\charrsid2241561 By}{\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561  loan letter dated 18}{\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\super\insrsid5524483\charrsid2241561 th}{\rtlch\fcs1 \af31507 
\ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561  January 2008, the Plaintiff agreed to advance loan facilities of $131,000.00 to the defendants.
\par }\pard \ltrpar\s15\qj \li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507\afs22 \ltrch\fcs0 \b\i\f39\fs22\insrsid5524483\charrsid2241561 \hich\af39\dbch\af31506\loch\f39 2.\tab}}\pard \ltrpar\s15\qj \fi-720\li1440\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1440\itap0\pararsid1050241\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \b\i\f39\ul\insrsid5524483\charrsid2241561 The}{\rtlch\fcs1 \af31507 \ltrch\fcs0 
\i\f39\insrsid5524483\charrsid2241561  loan facility was to enable the Defendants to purchase residential premises comprised in Native Lease No. 18881 for the sum of $140,000.00.
\par }\pard \ltrpar\s15\qj \li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507\afs22 \ltrch\fcs0 \b\i\f39\fs22\insrsid5524483\charrsid2241561 \hich\af39\dbch\af31506\loch\f39 3.\tab}}\pard \ltrpar\s15\qj \fi-720\li1440\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1440\itap0\pararsid1050241\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \b\i\f39\ul\insrsid5524483\charrsid2241561 The}{\rtlch\fcs1 \af31507 \ltrch\fcs0 
\i\f39\insrsid5524483\charrsid2241561  Defendants agreed to pay interest at 5% per annum for the first two years; and thereafter at 7.95% per annum.
\par }\pard \ltrpar\s15\qj \li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507\afs22 \ltrch\fcs0 \b\i\f39\fs22\insrsid5524483\charrsid2241561 \hich\af39\dbch\af31506\loch\f39 4.\tab}}\pard \ltrpar\s15\qj \fi-720\li1440\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1440\itap0\pararsid1050241\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \b\i\f39\ul\insrsid5524483\charrsid2241561 The}{\rtlch\fcs1 \af31507 \ltrch\fcs0 
\i\f39\insrsid5524483\charrsid2241561  Plaintiff had the right to recall the facility at any time if the account had not been satisfactory.}{\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483 
\par }\pard \ltrpar\s15\ql \li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1050241\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid1050241\charrsid1050241 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507\afs22 \ltrch\fcs0 \b\i\f39\fs22\insrsid5524483\charrsid2241561 \hich\af39\dbch\af31506\loch\f39 5.\tab}}\pard \ltrpar\s15\qj \fi-720\li1440\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1440\itap0\pararsid1050241\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \b\i\f39\ul\insrsid5524483\charrsid2241561 To}{\rtlch\fcs1 \af31507 \ltrch\fcs0 
\i\f39\insrsid5524483\charrsid2241561  secure the loan facility, the Defendants provided the following securities:
\par }\pard \ltrpar\s15\qj \li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507\afs22 \ltrch\fcs0 \i\f39\fs22\insrsid5524483\charrsid2241561 \hich\af39\dbch\af31506\loch\f39 (a)\tab}}\pard \ltrpar\s15\qj \fi-510\li2070\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls9\adjustright\rin0\lin2070\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 
First Registered Memorandum of Mortgage No. 566235 over Native Lease No. 18881 and improvements thereon;
\par }\pard \ltrpar\s15\qj \li1560\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1560\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507\afs22 \ltrch\fcs0 \i\f39\fs22\insrsid5524483\charrsid2241561 \hich\af39\dbch\af31506\loch\f39 (b)\tab}}\pard \ltrpar\s15\qj \fi-90\li1620\ri0\sa200\sl360\slmult1\widctlpar
\tx2070\wrapdefault\aspalpha\aspnum\faauto\ls9\adjustright\rin0\lin1620\itap0\pararsid1050241\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 Assignment over salary proceeds given by Alesi Nagata; and 
\par }\pard \ltrpar\s15\qj \li1134\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1134\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507\afs22 \ltrch\fcs0 \i\f39\fs22\insrsid5524483\charrsid2241561 \hich\af39\dbch\af31506\loch\f39 (c)\tab}}\pard \ltrpar\s15\qj \fi-510\li2070\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls9\adjustright\rin0\lin2070\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 
Irrevocable Authority given by Moape Nagata to his bankers for direct deduction of salary proceeds.
\par }\pard \ltrpar\s15\qj \li1080\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507 \ltrch\fcs0 \b\f39\insrsid5524483 \hich\af39\dbch\af31506\loch\f39 6.\tab}}\pard \ltrpar\s15\qj \li720\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin720\itap0\pararsid1050241\contextualspace {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid5524483 The}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 :

\par }\pard \ltrpar\s15\qj \li993\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin993\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507\afs22 \ltrch\fcs0 \i\f39\fs22\insrsid5524483\charrsid2241561 \hich\af39\dbch\af31506\loch\f39 (a)\tab}}\pard \ltrpar\s15\qj \li1560\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls10\adjustright\rin0\lin1560\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 Loan facility was drawn down by the Defendants;
\par }\pard \ltrpar\s15\qj \li1560\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1560\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507\afs22 \ltrch\fcs0 \i\f39\fs22\insrsid5524483\charrsid2241561 \hich\af39\dbch\af31506\loch\f39 (b)\tab}}\pard \ltrpar\s15\qj \fi-600\li2160\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls10\adjustright\rin0\lin2160\itap0\pararsid1050241\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 The 
property comprised in over Native Lease No. 18881 purchased and transferred to the Defendants;
\par }\pard \ltrpar\s15\qj \li1560\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1560\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507\afs22 \ltrch\fcs0 \i\f39\fs22\insrsid5524483\charrsid2241561 \hich\af39\dbch\af31506\loch\f39 (c)\tab}}\pard \ltrpar\s15\qj \fi-600\li2160\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls10\adjustright\rin0\lin2160\itap0\pararsid1050241\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 The Plaintiff\rquote 
s First Registered Memorandum of Mortgage No 5665235 over Native Lease No. 18881; and
\par }\pard \ltrpar\s15\qj \li1560\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1560\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507\afs22 \ltrch\fcs0 \i\f39\fs22\insrsid5524483\charrsid2241561 \hich\af39\dbch\af31506\loch\f39 (d)\tab}}\pard \ltrpar\s15\qj \fi-600\li2160\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls10\adjustright\rin0\lin2160\itap0\pararsid1050241\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 Assignment of salary proceeds and irrevocable Authority to 
deduct salary proceeds were given by the Defendants to the Plaintiff.
\par }\pard \ltrpar\s15\ql \li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507\afs22 \ltrch\fcs0 \b\i\f39\fs22\insrsid5524483\charrsid2241561 \hich\af39\dbch\af31506\loch\f39 7.\tab}}\pard \ltrpar\s15\qj \fi-720\li1440\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1440\itap0\pararsid1050241\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \b\i\f39\ul\insrsid5524483\charrsid2241561 In}{\rtlch\fcs1 \af31507 \ltrch\fcs0 
\i\f39\insrsid5524483\charrsid2241561  due course, the Defendants defaulted in their repayments of the loan facility.
\par }\pard \ltrpar\s15\qj \li993\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin993\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507\afs22 \ltrch\fcs0 \b\i\f39\fs22\insrsid5524483\charrsid2241561 \hich\af39\dbch\af31506\loch\f39 8.\tab}}\pard \ltrpar\s15\qj \fi-720\li1440\ri0\sa200\sl360\slmult1\widctlpar
\tx1440\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1440\itap0\pararsid1050241\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \b\i\f39\ul\insrsid5524483\charrsid2241561 In}{\rtlch\fcs1 \af31507 \ltrch\fcs0 
\i\f39\insrsid5524483\charrsid2241561  January 2011, the Plaintiff exercised its rights under Memorandum of Mortgage No. 5662335 and sold the property comprised in native Lease No. 18881 for the sum of $100,000.00.
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507\afs22 \ltrch\fcs0 \b\i\f39\fs22\insrsid5524483\charrsid2241561 \hich\af39\dbch\af31506\loch\f39 9.\tab}}\pard \ltrpar\s15\qj \fi90\li630\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin630\itap0\pararsid1050241\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \b\i\f39\ul\insrsid5524483\charrsid2241561 The}{\rtlch\fcs1 \af31507 \ltrch\fcs0 
\i\f39\insrsid5524483\charrsid2241561  $100,000.00 sale proceeds were credited to the Defendant\rquote s Account.
\par }\pard \ltrpar\s15\qj \li993\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin993\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507\afs22 \ltrch\fcs0 \b\i\f39\fs22\insrsid5524483\charrsid2241561 \hich\af39\dbch\af31506\loch\f39 10.\tab}}\pard \ltrpar\s15\qj \fi-720\li1440\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1440\itap0\pararsid1050241\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \b\i\f39\ul\insrsid5524483\charrsid2241561 By}{\rtlch\fcs1 \af31507 \ltrch\fcs0 
\i\f39\insrsid5524483\charrsid2241561  letter dated 27}{\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\super\insrsid5524483\charrsid2241561 th}{\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 
 January 2011, the Plaintiff advised the Defendants to settle the debt remaining after the $100,000.00 sale proceeds were credited to their Account.
\par }\pard \ltrpar\s15\ql \li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid5524483\charrsid2241561 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507\afs22 \ltrch\fcs0 \b\i\f39\fs22\insrsid5524483\charrsid2241561 \hich\af39\dbch\af31506\loch\f39 11.\tab}}\pard \ltrpar\s15\qj \li720\ri0\sa200\sl360\slmult1\widctlpar
\tx993\tx1440\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin720\itap0\pararsid1050241\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \b\i\f39\ul\insrsid5524483\charrsid2241561 The}{\rtlch\fcs1 \af31507 \ltrch\fcs0 
\i\f39\insrsid5524483\charrsid2241561  Defendant failed to settle the residual debt.
\par }\pard \ltrpar\s15\qj \li720\ri0\sa200\sl360\slmult1\widctlpar\tx993\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1708496\contextualspace {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af31507\afs22 \ltrch\fcs0 \b\i\f39\fs22\insrsid5524483\charrsid15936243 \hich\af39\dbch\af31506\loch\f39 12.\tab}}\pard \ltrpar\s15\qj \fi-720\li1440\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1440\itap0\pararsid1050241\contextualspace {\rtlch\fcs1 \af31507 \ltrch\fcs0 \b\i\f39\ul\insrsid5524483\charrsid15936243 By}{\rtlch\fcs1 \af31507 \ltrch\fcs0 
\i\f39\insrsid5524483\charrsid2241561  letter dated 10}{\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\super\insrsid5524483\charrsid2241561 th}{\rtlch\fcs1 \af31507 \ltrch\fcs0 \i\f39\insrsid219231  M}{\rtlch\fcs1 \af31507 \ltrch\fcs0 
\i\f39\insrsid5524483\charrsid2241561 ay 2011, the Plaintiff advised the Defendants to settle the reaming debts of $140,356.33 with interest owed at the rate of 10.25% per annum.
\par }\pard\plain \ltrpar\qj \li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5524483 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5524483 
\par }\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2241561 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid2241561\charrsid1050241 Plaintiff\rquote s Evidence}{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid5524483\charrsid1050241 
\par }\pard \ltrpar\qj \fi-540\li540\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin540\itap0\pararsid1050241 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [25}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid3217965\charrsid3217965 ]}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1050241  }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11286928 The plaintiff marked and tendered}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid16476846  in}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11286928  its bundle of documents through PW 1. He in}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid3217965  his evidence states that }{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11286928 defendant}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid14096511 \rquote s}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11286928  application for loan was assessed}{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16476846 , }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11286928 arrived at the instalm}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16476846 
ents payable by the defendants and a loan facility for a sum of $ 131,000}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid14096511 .00}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16476846 
 was approved. The defendants defaulted in the payments and fell into arrears. Letters were sent to the defendants advising them to settle the arrears. The defendant failed. The mortgage property was sold for $100,000}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid14096511 .00}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16476846  by tender procedure.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13513587 
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [26}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1048834 ] Under cross examination PW1 denied that the plaintiff fraudulently issued a loan facility to the defendant}{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  with the knowledge that the Defendants were unable to satisfy the loan repayments.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1048834 
 He pointed out that the application for loan showed $29,000}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid14096511 .00}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1048834  as the first defendant\rquote 
s salary. He admitted that the defendants had produced a valuation for}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1049534  loan purpose and that the amount of valuation was $195,000.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid14096511 00}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1049534  He also said that the tender that we have received and that was the best $100,000 that we received. When asked}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid11694981  why the Mortgage Property was sold for $100,000.00 a}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1049534 nd no higher offers were waited}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid14096511  for}{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1049534 , PW1}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid15941130 said that}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 
 no offers were made and the only highest offer was $145,000.00 but }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid14096511 t}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 
hereafter the next highest tender received was only $100,000.00 and given the costs incurred by the Plaintiff}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid14096511 ,}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  }{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid14096511 the plaintiff}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  chose }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid219231 to }{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid11694981 accept the tender.
\par }\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1049534 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid15941130\charrsid1050241 Defendants\rquote  Evidence

\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1708496 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [27}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid15941130 ] \tab DW1 in evidence states that in}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  2007 he was sa}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid15941130 
les representative for Colonial Life }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 Insurance and he sold insurance policy and that from 2008 until 2010 he was a landowner representative. }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid15941130 He}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  decided to purchase the Mortgage Property under a scheme by the Plaintiff wherein a deposit was required for purchase of property.  }{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid15941130 He provided the Plaintiff with }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 his pay slip}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid15941130  and the}{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  pay slip show}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid15941130 s}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  he earned $21,000.00 for the period of 2004}{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid14096511 ,}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  which was the salary for his commiss}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid219231 ion}{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  earned a}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid219231 s he was a sales representative}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 
 for Insurance in Colonial Life Insurance and he was paid on commission basis.
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [28}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid10962706 ] \tab He said}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  that the valuation he had provided s
}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid10962706 h}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 owed that th}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid10962706 e valuation was high.The}{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1906297  valuation of $195}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 ,000.00 was a fraudulent and that the plaintiff should have checked his background before giving him a bank loan.

\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [29}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid10962706 ]}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 \tab 
He gave evidence that he wrote to the Plaintiff on numerous occasion}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1906297 s}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 
 and asked for time to pay and he had reiterated to the Plaintiff that he was in financial difficulty and unable to pay his debt. He }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid10962706 
was dissatisfied with deceitful conduct of the plaintiff}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  in that they had issued him a loan facility when plaintiff ought to have known that he was not in a capacity to pay.
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [30}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid10962706 ]}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 \tab That the loa
n officer whom he met face to face at the Nadi Branch of the Plaintiff did not explain anything regarding the interest rate and that the interest rate will go higher or that he had to pay $791.00 in premium. That the independent solicitor did not expl}{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1906297 ain anything when he signed the}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  mortgage documents.
\par }\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1708496 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [31}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid3495147 ]\tab  He states the ban}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 k was fraudulent when accepting the initial valuation. }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid3495147 \tab }{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 The initial valuation was a fraud. That the initial valuation was hiked up }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid3495147 \tab }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid11694981 valuation for the mortgage property.
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1708496 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [32}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid3495147 ]\tab He said that he was evicted}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  from the mortgage property.
\par }\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1708496 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [33}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid3495147\charrsid3495147 ]}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid3495147 \tab Under cross examination DW1 states that he did not know how his }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid6761837 \tab }{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid3495147 payslip}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  read $29,000.00, he remembers that he had put $21,000.00 and }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid6761837 \tab }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 provided the salary slip for the same. When question}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16207188 ed}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid11694981  who had provided }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid6761837 \tab }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 the Plaintif}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid4336808 f the alleged initial valuation,}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid5781222  }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid4336808 DW1}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid11694981  said he did. }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid4336808 Then he was }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid6761837 \tab }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid4336808 
asked whether he is saying that the valuation he}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981  provided was a fraud? }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid6761837 \tab }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid4336808 He said \lquote y}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 es it was}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid4336808 \rquote }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid11694981 .
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [34}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid4336808 ]\tab He admitted that he did not inquire about varying interest rates.
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4336808 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid6761837\charrsid1050241 Analysis}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid11694981\charrsid1050241 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4737855 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [35}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid6761837 ]\tab The plaintiff claims from the defendant}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16207188 s}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid6761837 
 the sum of $140,356.33, being the sum due and owing on account of a loan facility the defendants obtained from the plaintiff. }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid4737855 
The plaintiff gave a loan to the defendants in the sum of $131,000.00 for the purchase of a property. The property was secured for the loan. The defendants defaulted in repayment of the loan leaving arrears at $140,356.33.}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid11694981 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11694981 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [36}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid12733964 ]\tab The defendants counterclaim the same amount as in the plaintiff\rquote s claim.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12733964 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [37}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid12733964 ] \tab The plaintiff exercised its rights under the mortgage and sold the property for $100,000 though they had c}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16207188 urrent market valuation for $166}{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid12733964 ,000.00
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid16608717 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [38}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid12733964 ]\tab The crisp issue that need}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid4680460 s}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid12733964  to be decided by the court is that }{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 whether the defendants owed the}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16608717  plaintiff the sum of $140,356.00 on account of ar
rears arising out of the loan facility given by the plaintiff.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11694981 
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [39}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid4680460 ]\tab 
When applying for a loan facility the defendants submitted a valuation report they obtained for the property they intended to purchase. The value of the property}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13654315 ,}{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid4680460  according to}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid14833138  their valuation report}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13654315 ,}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid14833138  was $195}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid4680460 
,000.00. The plaintiff did not obtain its own valuation of the property. It relied upon the valuation report submitted by the defendants approved}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid14833138 
 the loan of $131,000.00 with variant interest rate. After relying and acted upon the defendant\rquote 
s initial valuation report, it will be unconscionable for the plaintiff to turn around and to say the defendants had tendered an overvalued report. If the plaintiff were not satisfied with}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 
 the }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11163113 valuation done by the defendants, the plaintiff might have }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13654315 obtained}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid11163113  their own valuation before approving the loan.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid4680460 
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [40}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11163113 ]\tab 
The defendants defaulted in the repayment of the loan. As a result, their loan account eventually accumulated $140,356.33 in arrears.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid2240241 
 The plaintiff demanded payment. Still, the defendants neglected and kept their accounts in arrears. Finally, the plaintiff opted to exercise their rights under mortgagee sale. It will be noted that the plaintiff did not exercise its rights under mortgage
 immediately. I should point out here that the plaintiff was delaying the mortgage}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13654315 e}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid2240241 
 sale. The plaintiff decided to obtain vacant possession of the mortgage property from the defendants before exercising mortgagee sale. The plaintiff brought}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid153585  separate civil a
ction for the recovery of possession of the property. That action was subsequently settled when the defendants agreed to give up possession of the property.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11163113 
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [41}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid10242730 ]\tab Having opted to exercise their right under mortgagee sale, the plaintiff obtain}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid16461768 ed}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid10242730  a current market valuation report at $166,000.00. However, the plaintiff sold the property for $100,000.00, which is far }{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13389227 lower}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid10242730  than the price of the property}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid3035588 
 valued at the time of mortgagee sale.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11565067 There is no evidence in court to show that the plaintiff embraced proper tender procedures when s}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid11625960 elling the property. The plaintiff also fails to show why the property was sold for }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13389227 far lower}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid11625960 
 than the market valuation. In the circumstances, it was unjust on the part of the plaintiff to sell the property at a price far lower than the}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid6781264  market price}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid11625960 .}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid10242730 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6687565 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [42}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid4285307 ]\tab I wish to cite some case authorities cited by Madam Justice}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1050241  }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid6687565 Nazhat}{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1050241  }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid6687565 Shameem in  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\i\f39\fs24\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 
NBF Asset Management Bank v Niumataiwalu}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\i\f39\fs24\cf1\lang1033\langfe1033\langnp1033\insrsid1050241  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f39\fs24\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 [2000] FJHC 205; HBC0427J.98S (24 January 2000)}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f39\fs24\cf1\lang1033\langfe1033\langnp1033\insrsid6687565 :}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid6781264\charrsid6781264 
\par }\pard \ltrpar\ql \fi720\li0\ri0\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7763495 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f39\cf1\lang1033\langfe1033\langnp1033\insrsid6687565\charrsid7763495 
\lquote }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f39\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 In\~}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\i\f39\ul\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 Warner v. Jacob}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f39\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 \~20 Ch. D220, Kay J said, at 224:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f39\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 
\par }\pard \ltrpar\qj \li720\ri0\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7763495 {\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 
\b\i\f39\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 \'93.... a
 mortgage is strictly speaking not a trustee of the power of sale. It is a power given to him for his own benefit to enable him the better to realise his debt. If he exercises it bona fide for that purpose, without corruption or collusion with the purchas
e the Court will not interfere even though the sale be very disadvantageous, unless indeed the price is so low as in itself to be evidence of fraud.\'94}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f39\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 

\par }\pard \ltrpar\qj \li720\ri0\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6687565 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f39\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 
The English Court of Appeal in\~}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f39\ul\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 Cuckmere Brick Co. Ltd. v. Mutual Finance Ltd.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f39\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 \~(1971) Ch. 949 held that in e
xercising a power of sale, a mortgagee should take reasonable care to obtain the true market value of the mortgaged property. In New Zealand however, the Privy Council in\~}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\b\f39\ul\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 Downsview Nominees v. First City Corp}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f39\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 
(1993) 2 WLR 86 declined to apply the tortious duty of care test to the equity of redemption of mortgages, preferring to ask whether the mortgagee had acted in good faith. Similarly in\~}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\b\f39\ul\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 Parker-Tweedle v. Dunbar Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f39\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 
(1990) 3 WLR 767 the English Court of Appeal preferred the test of good faith.
\par }\pard \ltrpar\ql \fi720\li0\ri0\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6687565 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f39\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 
In that case, Nourse LJ said:\line 
\par }\pard \ltrpar\qj \li720\ri0\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6687565 {\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 
\b\i\f39\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 \'93
It is both unnecessary and confusing for the duties owed by a mortgagee to the mortgagor and the surety, if there is one, to be expressed in terms of the tort of negligence. The authorities which were considered in the careful judgments of this court in\~
}{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\f39\ul\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 Cuckmere Brick Co. Ltd. v. Mutual Finance Ltd.}{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 
\b\i\f39\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 \~demonstrate that the duty owed by the mortgagee to the mortgagor was recognised by equity as arising out of the particular relationship between them....\'94}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f39\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 
\par }\pard \ltrpar\ql \fi720\li0\ri0\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6687565 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f39\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 In\~
}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f39\ul\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 Downsview Nominees}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f39\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 \~(supra) Lord T
empleman said:
\par }\pard \ltrpar\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7763495 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f39\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 \line }{\rtlch\fcs1 \ab\ai\af0 
\ltrch\fcs0 \b\i\f39\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 \'93
If a mortgagor exercises his power of sale in good faith for the purpose of protecting his security, he is not liable to the mortgagor even though he might have obtained a higher price, and even though the terms might be regarded as disadv
antageous to the mortgagor.\~}{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\f39\ul\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 Cuckmere Brick Co. Ltd. v. Mutual Finance}{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 
\b\i\f39\cf1\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 \~
is Court of Appeal authority for the proposition that, if the mortgagee decides to sell, he must take reasonable care to obtain a proper price but is no authority for any wider proposition.\'94}{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 
\b\i\f39\cf1\lang1033\langfe1033\langnp1033\insrsid7763495\charrsid7763495 \rquote }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang1033\langfe1033\langnp1033\insrsid6781264\charrsid6781264 
\par }\pard \ltrpar\qj \fi-810\li810\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin810\itap0\pararsid1050241 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [43}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid3084701\charrsid3084701 ]\tab Returning back to the matter at hand}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid3084701 
, the plaintiff as mortgagee decided to sell the property. The above case authorities demonstrate that mortgagee has equitable duty to the mortgagor. It is that}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7085091 
 when deciding to sell the mortgage property the mortgagee must take reasonable care to obtain a proper price for the property.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid3084701 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid1050241 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [44}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid7085091 ] }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1050241  }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7085091 
The plaintiff approved loan in the sum of $131,000.00 relying on the initial valuation of $195,000.00}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7482057 , ostensibly the plaintiff obtained and acted upon}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid7085091 . At the time of the mortgage sale, price of the property was valued at $166,000.00. However, the property was sold at $100,000.00. In the circumstances, it appears to me that the plaintiff had failed to }{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7482057 take }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7085091 reas}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7482057 onable care to obtain a proper or appropriate}{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7085091  price for the property. If the plaintiff had taken reasonable care}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid2707372 
, it could have obtained a better price to defray the outstanding balance at the defendant\rquote s loan account. I therefore dismiss the plaintiff}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7482057 \rquote s}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid2707372  claim.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid7085091 
\par }\pard \ltrpar\qj \fi-630\li630\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin630\itap0\pararsid1050241 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [45}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid2707372 ] I now turn to the counterclaim. The counterclaim is based on the fraudulent act on the part of the plaintiff. The defendants allege that the plaintiff\rquote s officers}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid11090319  and agents gave the offer letter and the mortgage documents to the defendants withholding inf
ormation, and failing to disclose to the defendants that they did not qualify for the loan. I reject the allegation made by the defendants that the plaintiff\rquote 
s officers acted fraudulently as there is no evidence sufficient to establish such an allegation. 
The plaintiff had an opportunity to seek independent legal advice. Having obtained independent legal advice and have accepted the offer with the terms and condition stated therein, the plaintiff is not entitled to take stance that the loan was offered wit
hholding information. I therefore dismiss the counterclaim}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid478855  as well.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid2707372 
\par }\pard \ltrpar\qj \fi-540\li540\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin540\itap0\pararsid1050241 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid16461768 [46}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f39\fs24\insrsid478855 ] Both parties are losing their respective claim. I would therefore order that each party }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1708496 will}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f39\fs24\insrsid478855  bear their own costs.
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid8388809 
\par }\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7085091 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid478855\charrsid478855 Final Orders}{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid478855 
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1862564 1.\tab Plaintiff\rquote s claim dismissed.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid478855 
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1862564 2. \tab Defendants\rquote  counterclaim also dismissed.
\par 3.\tab Each party is to bear their own costs.
\par 
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid13654243\charrsid13654243 Dated this 5 day of October 2016 at Lautoka}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid13654243 
\par }\pard \ltrpar\qc \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1862564 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid13654243 
\par 
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f39\fs24\insrsid1862564 \'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85..
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid1862564\charrsid4160969 M H Mohamed Ajmeer
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid1862564\charrsid1862564 JUDGE}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid1862564 
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