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\b\f40\fs28\ulth\insrsid1401400\charrsid1143053 IN THE HIGH COURT OF FIJI AT SUVA
\par CIVIL JURISDICTION
\par 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \b\f40\fs24\ul\insrsid1401400\charrsid1143053 Civil Action No. HBC 275 of 2013
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1401400\charrsid1143053 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\ul\insrsid1401400\charrsid1143053 BETWEEN
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \b\f40\ul\insrsid1401400\charrsid1143053 
\par FIJI DEVELOPMENT BANK }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1401400\charrsid1143053 a body corporate having its head office at
\par 360 Victoria Parade, Suva, Fiji 
\par 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \b\f40\ul\insrsid1401400\charrsid1143053 PLAINTIFF
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\ul\insrsid1401400\charrsid1143053 
\par AND
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1401400\charrsid1143053 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \b\f40\ul\insrsid1401400\charrsid1143053 JOSEPH LUM KON WISE}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1401400\charrsid1143053  of Lot 3 Kaunitoni Street, 
\par Delainavesi, Lami, Businessman.
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \b\f40\ul\insrsid1401400\charrsid1143053 
\par DEFENDANT
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \b\f40\insrsid1401400\charrsid1143053 
\par }\pard \ltrpar\ql \li0\ri0\sa160\sl256\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1401400 {\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1401400\charrsid1143053 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \b\f40\insrsid1401400\charrsid1143053 Counsel}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1401400\charrsid1143053 \tab \tab \tab :\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1124266\charrsid1143053 
Mr. Nand S. for the Plaintiff}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1401400\charrsid1143053 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1124266\charrsid1143053 \tab \tab \tab \tab \tab Ms. Jackson L. for the Defendant
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1401400\charrsid1143053 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \b\f40\insrsid1401400\charrsid1143053 Date of Hearing}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1401400\charrsid1143053 \tab \tab :\tab 12}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid1401400\charrsid1143053 th}{
\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1401400\charrsid1143053  March 2020
\par 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \b\f40\insrsid1124266\charrsid1143053 Date of Judgment}{\rtlch\fcs1 \af38 \ltrch\fcs0 \b\f40\insrsid1401400\charrsid1143053 \tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1401400\charrsid1143053 \tab :\tab }{\rtlch\fcs1 
\af38 \ltrch\fcs0 \f40\insrsid1124266\charrsid1143053 27}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid1124266\charrsid1143053 th}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1124266\charrsid1143053  April 2020}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid1401400\charrsid1143053 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1657697\charrsid1143053 
\par 
\par }\pard \ltrpar\qc \li0\ri0\sa160\widctlpar\brdrt\brdrs\brdrw10\brsp20 \brdrl\brdrs\brdrw10\brsp80 \brdrb\brdrs\brdrw10\brsp20 \brdrr\brdrs\brdrw10\brsp80 \wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1401400 {\rtlch\fcs1 
\af38\afs40 \ltrch\fcs0 \b\f40\fs40\insrsid1401400\charrsid1143053 JUDGMENT
\par }\pard \ltrpar\ql \li0\ri0\sa160\sl256\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 {\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1401400\charrsid1143053 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4615451 {\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid4615451\charrsid1143053 [1]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid8074894\charrsid1143053 The plaintiff filed the writ of summons and the statement of claim, which was later amended, seeking }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid330488 to }{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid8074894\charrsid1143053 following }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid330488 orders}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid8074894\charrsid1143053 :}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid8081016\charrsid1143053 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af38\afs22 \ltrch\fcs0 \f40\fs22\insrsid330488 \hich\af40\dbch\af31506\loch\f40 a.\tab}}\pard\plain \ltrpar\s15\qj \fi-360\li2160\ri0\sa160\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin2160\itap0\pararsid14446104\contextualspace \rtlch\fcs1 \af38\afs22\alang1025 \ltrch\fcs0 \f39\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid330488 That the defendant pay the plaintiff t}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid8074894\charrsid1143053 he sum of $195,956.41 (One Hundred Ninety Five Thousand Nine Hundred Fifty Six Dollars and Forty
 One Cents) with interest accruing thereon at the rate of 9.5% per annum }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid12871803\charrsid1143053 with effect from 1}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid12871803\charrsid1143053 st}{\rtlch\fcs1 
\af38 \ltrch\fcs0 \f40\insrsid12871803\charrsid1143053  April 2014 until full payment.}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid8074894\charrsid1143053 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af38\afs22 \ltrch\fcs0 \f40\fs22\insrsid12871803\charrsid1143053 \hich\af40\dbch\af31506\loch\f40 b.\tab}}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid12871803\charrsid1143053 Costs of this action; and
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af38\afs22 \ltrch\fcs0 \f40\fs22\insrsid12871803\charrsid1143053 \hich\af40\dbch\af31506\loch\f40 c.\tab}Any other reliefs this Honourable Court deems just.
\par }\pard\plain \ltrpar\qj \fi-720\li720\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4615451 \rtlch\fcs1 \af38\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid4615451\charrsid1143053 [2]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid14446104\charrsid1143053 The plaintiff, on 22}{\rtlch\fcs1 \af38 
\ltrch\fcs0 \f40\super\insrsid14446104\charrsid1143053 nd}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid14446104\charrsid1143053  February 2007 advance a sum of Hundred Thousand Dollars ($100,000.00) to the defendant. The defendant granted Ship Mortgage }{
\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid12943011\charrsid1143053 No. S2007/2940/1 over vessel MFB \'93SHOGUN\'94 }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid330488 (the vessel) }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid12943011\charrsid1143053 
dated 28}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid12943011\charrsid1143053 th}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid12943011\charrsid1143053  February 2007 and Bill of Sale No. 2007/544 dated 28}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\super\insrsid12943011\charrsid1143053 th}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid12943011\charrsid1143053  February 2007 over Fishing Equipment, Refrigeration Appliances and Navigational Equipment, as security. }{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid15664356\charrsid1143053 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid4615451\charrsid1143053 [3]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid9256628\charrsid1143053 Th}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid15664356\charrsid1143053 
e position of the plaintiff is that although it attempted to find a buyer for the vessel and equipment they could not and the vessel and equipment deteriorated but later it was able to sell the items for $7000.00 which was credited to the defendant
\rquote s account.
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid4615451\charrsid1143053 [4]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid12058817\charrsid1143053 
The defendant in his statement defendant states that due to the negligence and recklessness the plaintiff could not complete the sale of
 the vessel for $110,000.00 and by way of a counter claim seeks to recover $193,000.00 or to set that amount off against the plaintiff\rquote }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid3150600\charrsid1143053 
s claim. The defendant also claims general damages for negligence and breach of duty.
\par }\pard \ltrpar\qj \li0\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12871803 {\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid4615451\charrsid1143053 [5]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid2515520\charrsid1143053 At the pre-trial conference the parties admitted the following facts:
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af38\afs22 \ltrch\fcs0 \f40\fs22\insrsid2515520\charrsid1143053 \hich\af40\dbch\af31506\loch\f40 1.\tab}}\pard\plain \ltrpar\s15\qj \fi-360\li2160\ri0\sa160\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin2160\itap0\pararsid9266146\contextualspace \rtlch\fcs1 \af38\afs22\alang1025 \ltrch\fcs0 \f39\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid2515520\charrsid1143053 That the plaintiff is a corporate body established under section 3 of the Fiji development Bank Act, Chapter 214 with perpetual succession and a common seal empowered to carry on banking business including power to le
nd money on such terms and conditions it may determine.
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af38\afs22 \ltrch\fcs0 \f40\fs22\insrsid7498642\charrsid1143053 \hich\af40\dbch\af31506\loch\f40 2.\tab}}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid7498642\charrsid1143053 
That pursuant to loan agreement dated 22}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid7498642\charrsid1143053 nd}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid7498642\charrsid1143053 
 February 2007 the plaintiff lent and advanced a sum of $100,000.00 to the defendant.
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af38\afs22 \ltrch\fcs0 \f40\fs22\insrsid7498642\charrsid1143053 \hich\af40\dbch\af31506\loch\f40 3.\tab}That as security the defendant}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid8785796\charrsid1143053 s}{
\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid7498642\charrsid1143053  jointly and severally granted mortgage S2007/2940/1 over vessel MFB \'93SHOGUN\'94 dated 28}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid7498642\charrsid1143053 th}{\rtlch\fcs1 \af38 
\ltrch\fcs0 \f40\insrsid7498642\charrsid1143053  February 2007 and Bill of Sale No. 2007/544 dated 28}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid7498642\charrsid1143053 th}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid7498642\charrsid1143053 
 February 2007 over Fishing Equipment, Refrigeration Appliances and Navigational Equipment.
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af38\afs22 \ltrch\fcs0 \f40\fs22\insrsid7498642\charrsid1143053 \hich\af40\dbch\af31506\loch\f40 4.\tab}That the defendant had agreed to repay the said loan to the pl
aintiff in instalments with interest at the rate of 12% per annum on the first $325,000.00 and 17.5% per annum on any excess together with bank fees upon disbursement of the loan.
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af38\afs22 \ltrch\fcs0 \f40\fs22\insrsid7498642\charrsid1143053 \hich\af40\dbch\af31506\loch\f40 5.\tab}That there was a }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid8796090\charrsid1143053 
default in loan payment to the plaintiff which caused the loan account No. 115104 to fall into arrears and the plaintiff to issue a Demand Notice demanding payment of total debt dated 13}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\super\insrsid8796090\charrsid1143053 th}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid8796090\charrsid1143053  June 2012.
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af38\afs22 \ltrch\fcs0 \f40\fs22\insrsid8796090\charrsid1143053 \hich\af40\dbch\af31506\loch\f40 6.\tab}
That the plaintiff thereafter exercised its right under the Ship Mortgage and Bill of Sale seized the vessel and advertised it for sale and eventually sold it for a sum of $7000.00.
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af38\afs22 \ltrch\fcs0 \f40\fs22\insrsid8796090\charrsid1143053 \hich\af40\dbch\af31506\loch\f40 7.\tab}
That the Vessel Shogun Registration Number 000373 remained in the possession of the plaintiff for close to 2 years starting June 2012 to around 31 March 2014.
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af38\afs22 \ltrch\fcs0 \f40\fs22\insrsid8796090\charrsid1143053 \hich\af40\dbch\af31506\loch\f40 8.\tab}The Vessel Shogun, during the period 7}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\super\insrsid8796090\charrsid1143053 th}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid8796090\charrsid1143053  March 2011 to 7}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid8796090\charrsid1143053 th}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid8796090\charrsid1143053  March 2012, was insured for the sum of $200,000.00.
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af38\afs22 \ltrch\fcs0 \f40\fs22\insrsid8796090\charrsid1143053 \hich\af40\dbch\af31506\loch\f40 9.\tab}On 31}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid8796090\charrsid1143053 st}{\rtlch\fcs1 \af38 
\ltrch\fcs0 \f40\insrsid8796090\charrsid1143053  July 2012, the plaintiff wrote to the defendant stating that }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid9266146\charrsid1143053 
subsequent to the advertisements placed in the local newspapers, the plaintiff had accepted an offer to purchase the Vessel Shogun Registration Number 000373 for the sum of $110,000.00.
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af38\afs22 \ltrch\fcs0 \f40\fs22\insrsid9266146\charrsid1143053 \hich\af40\dbch\af31506\loch\f40 10.\tab}On 31}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid9266146\charrsid1143053 st}{\rtlch\fcs1 \af38 
\ltrch\fcs0 \f40\insrsid9266146\charrsid1143053  March 2014, the plaintiff wrote to the defendants informing them that they had sold the Vessel Shogun via private sale No. 59/2013(e) for the sum of $7000.00 plus $1050.00 VAT. }{\rtlch\fcs1 \af38 
\ltrch\fcs0 \f40\insrsid7498642\charrsid1143053  
\par }\pard\plain \ltrpar\qj \fi-720\li720\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4615451 \rtlch\fcs1 \af38\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid4615451\charrsid1143053 [6]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid8785796\charrsid1143053 
There is no dispute between the plaintiff and the defendant that the defendant obtained a loan of $100,000.00 from the plaintiff and the defendant defaulted payment. It is also common ground that as security for the loan the defendant gran
ted Mortgage and Bill of Sale over the vessel and the equipment. }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid9266146\charrsid1143053 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid4615451\charrsid1143053 [7]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid8785796\charrsid1143053 Defendant\rquote 
s position is that after seizing the vessel and equipment the plaintiff did not maintain the vessel and equipment and it resulted in the deterioration of the vessel and }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11814218\charrsid1143053 equipment.}{
\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid6498549\charrsid1143053  There is no duty on the mortgagee to maintain the property seized under a mortgage. The defendant in this regard cited the decision in }{\rtlch\fcs1 \af38 \ltrch\fcs0 
\b\f40\insrsid6498549\charrsid1143053 Funworld Centre (Fiji) Limited v}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid6498549\charrsid1143053  }{\rtlch\fcs1 \af38 \ltrch\fcs0 \b\f40\insrsid6498549\charrsid1143053 Bank of Baroda}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid6498549\charrsid1143053  HBC 224 of 2016 where the court }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid6704179\charrsid1143053 made the following observations:}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid6498549\charrsid1143053 
\par }\pard \ltrpar\qj \li1440\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid6704179 {\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid6704179\charrsid1143053 A mo
rtgagee who goes into possession becomes the manager of the charged property. He thereby assumes a duty to take reasonable care of the property. This requires him to be active in protecting and exploiting the security, maximising the return, but with taki
ng undue risks (see: Halsbury\rquote s Laws of England 5}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid6704179\charrsid1143053 th}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid6704179\charrsid1143053 \~Ed Mortgage (Vol. 77 (2016), para 429).}{\rtlch\fcs1 
\af38 \ltrch\fcs0 \f40\insrsid6498549\charrsid1143053  }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11814218\charrsid1143053 
\par }\pard \ltrpar\qj \fi720\li0\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1143053 {\rtlch\fcs1 \ab\af38 \ltrch\fcs0 \b\f40\insrsid1143053\charrsid1143053 Fiji Development Bank v Chute }{
\rtlch\fcs1 \ab\af38 \ltrch\fcs0 \f40\insrsid1143053\charrsid1143053 [1996] FJHC 87; Hbc0547j.94s (4 January 1996)}{\rtlch\fcs1 \ab\af38 \ltrch\fcs0 \b\f40\insrsid1143053\charrsid1143053  \endash 
\par }\pard \ltrpar\qj \li1440\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid1143053 {\rtlch\fcs1 \ab\af38 \ltrch\fcs0 \f40\insrsid1143053\charrsid1143053 
Even assuming that the holder of a Bill of Sale owes a similar duty to the 
borrower/grantor, the parameters of the duty are clearly set out in the judgment of Cross L.J. in the leading case of Cuckmere Brick Co. v. Mutual Finance Ltd. (1971) Ch. D. 949 when he said at p.969:
\par "A mortgagee exercising a power of sale is in an ambigu
ous position. He is not a trustee of the power for the mortgagor for it was given him for his own benefit to enable him to obtain repayment of his loan. On the other hand, he is not in the position of an absolute owner selling his own property but must un
doubtedly pay some regard to the interests of the mortgagor when he comes to exercise the power.
\par Some points are clear. On the one hand, the mortgagee, when the power has arisen, can sell when he likes, even though the market is likely to improve if he hold
s his hand and the result of an immediate sale may be that instead of yielding a surplus for the mortgagor the purchase price is only sufficient to discharge the mortgage debt and the interest owing on it."
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4615451 {\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid4615451\charrsid1143053 [8]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid6704179\charrsid1143053 In that case when the property was handed ba}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid3150431\charrsid1143053 c}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid6704179\charrsid1143053 k to the plaintiff }{\rtlch\fcs1 
\af38 \ltrch\fcs0 \f40\insrsid3150431\charrsid1143053 he found certain items were missing and certain other items were damaged. The facts in the case before }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid330488 t}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid3150431\charrsid1143053 his court are different to that of the case cited by the defendant. In the instant matter there was no such damage to the vessel. It had been there in the plaintiff\rquote 
s custody for nearly two years and the condition of the vehicle was deteriorated. }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid88227\charrsid1143053 
There is no evidence that the vessel was damaged due to the negligence of the plaintiff. In fact the plaintiff had appointed a person to look after the vessel. }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid3150431\charrsid1143053   }{\rtlch\fcs1 \af38 
\ltrch\fcs0 \f40\insrsid6498549\charrsid1143053 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid4615451\charrsid1143053 [9]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid16086086\charrsid1143053 The plaintiff seized the vessel and equipment in June 2012 and held}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid11290687  it}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid16086086\charrsid1143053  in its custody till March 2014. Evidence of the plaintiff\rquote s witness is that }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid2842232\charrsid1143053 
the vessel and equipment were advertised for sale and the advertisement was published in the Fiji Sun on 29}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid2842232\charrsid1143053 th}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid2842232\charrsid1143053 
 June 2012 and in the Fiji Times on 6}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid2842232\charrsid1143053 th}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid2842232\charrsid1143053  July 2012. 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid4615451\charrsid1143053 [10]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid2842232\charrsid1143053 
The plaintiff received an offer for $110,000.00 which they accepted but later the person who made the offer informed the bank that he was no longer interested in the vessel and equipment. 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid4615451\charrsid1143053 [11]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11935238\charrsid1143053 The vessel and equipment were again advertised 12}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\super\insrsid11935238\charrsid1143053 th}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11935238\charrsid1143053  October 2012, 16}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid11935238\charrsid1143053 th}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid11935238\charrsid1143053  November 2012, 21}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid11935238\charrsid1143053 st}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11935238\charrsid1143053  December 2012 and 01}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\super\insrsid11935238\charrsid1143053 st}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11935238\charrsid1143053  January 2013. The bank received an offer of $32,500.00 on 22}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid11935238\charrsid1143053 nd}{
\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11935238\charrsid1143053  February 2013. The bank accepted the offer in writing by letter dated 25}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid11935238\charrsid1143053 th}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid11935238\charrsid1143053  February 2013 but that offer was also withdrawn. Finally, the bank received an offer for $7000.00 and the vessel and equipment were sold for that price. }{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid3808587\charrsid1143053 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid4615451\charrsid1143053 [12]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid88227\charrsid1143053 It is therefore clear
 that the plaintiff has made every attempt to sell and obtain the maximum price for the vessel from the time it was seized. 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid4615451\charrsid1143053 [13]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid3808587\charrsid1143053 The defendant alleges that he got a person who was interested in purchasing the vessel and equipment }{
\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid6362794\charrsid1143053 but the bank failed to make arrangements for him to inspect the vessel }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid6689623\charrsid1143053 
and equipment. The defendant tendered in evidence his letter dated 05}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid6689623\charrsid1143053 th}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid6689623\charrsid1143053  July 2012}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid1261127\charrsid1143053  (D1)}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid6689623\charrsid1143053  informing them that }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid14027197\charrsid1143053 they just lost a \'93would be\'94 sale of the vessel }{
\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1261127\charrsid1143053 due to the inability to facilitate the interested party. The person interested in buying the vessel had later bought another vessel for $40,000.00. However, the evidence of the plaintiff
\rquote s witness is that the bank fixed another date for inspection and informed the defendant.}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid7091764\charrsid1143053 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11031330 {\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11031330\charrsid1143053 [14]\tab }{\rtlch\fcs1 \af38 
\ltrch\fcs0 \f40\insrsid5650013\charrsid1143053 From the evidence adduced by both parties I do not see any negligence on the part of the plaintiff. }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1657697\charrsid1143053 
From the time the plaintiff seized the vessel it has done its best to dispose the vessel and obtained the maximum price for the vessel and equipment. }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11148056\charrsid1143053 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11031330\charrsid1143053 [15]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11148056\charrsid1143053 The defendant claims $193,559.4
8 as damages with interest at the rate of 15.5% from the plaintiff on the basis that it failed to maintain the vessel and to effect certain repairs. 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11031330\charrsid1143053 [16]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11148056\charrsid1143053 
The quantum of damages claim by the plaintiff is based on the value of the vessel given in the policy of insurance. According to the said policy the sum insured is $200,000.00. The sum insured cannot be taken as the actual value of the vessel. There is no
 evidence }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid14500152\charrsid1143053 that this valuation was given by a qualified valuer. This is just an amount agreed by the parties as the sum insured. 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11031330\charrsid1143053 [17]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid14500152\charrsid1143053 On the other hand the plaintiff has obtained a valuation (P22) from a qualified valuer. The vessel}{
\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid13371446\charrsid1143053  is valued at $25,000.00}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid14500152\charrsid1143053  }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid13371446\charrsid1143053 and the equipment}{
\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid14500152\charrsid1143053  }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid13371446\charrsid1143053 are valued at $20,000.00. The defendant in his evidence said that he did not agree with this valuation but }{
\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid2382331 as I said earlier, }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid13371446\charrsid1143053 he has not obtained valuation from the qualified valuer.}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid9250169\charrsid1143053 
\par }\pard \ltrpar\qj \li0\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9250169 {\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11031330\charrsid1143053 [18]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid9250169\charrsid1143053 For these reasons I do not see any basis for the counter claim of the defendant.    
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11031330 {\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11031330\charrsid1143053 [19]\tab }{\rtlch\fcs1 \af38 
\ltrch\fcs0 \f40\insrsid3293044\charrsid1143053 The plaintiff originally instituted these proceedings against three defendants. On 09}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid3293044\charrsid1143053 th}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid3293044\charrsid1143053  August 2018 the plaintiff discontinued the action against the 2}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid3293044\charrsid1143053 nd}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid3293044\charrsid1143053  and 3}{
\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid3293044\charrsid1143053 rd}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid3293044\charrsid1143053  defendants and continued the action against the 1}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\super\insrsid3293044\charrsid1143053 st}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid3293044\charrsid1143053  de
fendant (the defendant). For the time the defendant in his written submissions submits that the action is defective since the plaintiff failed to }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1447051\charrsid1143053 
bring the action against the correct parties.
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11031330\charrsid1143053 [20]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1447051\charrsid1143053 The defendant in this regard relies on Order 81 rule 1 of the High Court rules 1981 which provides:
\par }\pard \ltrpar\qj \li1440\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid1447051 {\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid1447051\charrsid1143053 {\*\bkmkstart disp0}
Subject to the provisions of any enactment, any two or more persons claiming to be entitled, or alleged to be liable, as partners in respect of a cause of action and carrying on business within the jurisdiction may 
sue, or be sued, in the name of the firm (if any) of which they were partners at the time when the cause of action accrued.
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11031330 {\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11031330\charrsid1143053 [21]\tab }{\rtlch\fcs1 \af38 
\ltrch\fcs0 \f40\insrsid13462314\charrsid1143053 Order 81 rule 1 does not make it imperative for a party to sue all partners of a business. It is more so when the guarantee bond states as follows:
\par }\pard \ltrpar\qj \li1440\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid13462314 {\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid7091932\charrsid1143053 Clause 3.3 More than one guarantor}{
\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid13462314\charrsid1143053 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid7091932\charrsid1143053 If two or more people are named as guarantor:
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af38\afs22 \ltrch\fcs0 \f40\fs22\insrsid7091932\charrsid1143053 \hich\af40\dbch\af31506\loch\f40 (a)\tab}}\pard\plain \ltrpar\s15\qj \fi-360\li2160\ri0\sa160\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin2160\itap0\pararsid1073963\contextualspace \rtlch\fcs1 \af38\afs22\alang1025 \ltrch\fcs0 \f39\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid7091932\charrsid1143053 \lquote I\rquote  refers to each of us alone and any two or more of us together;
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af38\afs22 \ltrch\fcs0 \f40\fs22\insrsid7091932\charrsid1143053 \hich\af40\dbch\af31506\loch\f40 (b)\tab}our obligations bind each of us alone and any two or more of us together; and
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af38\afs22 \ltrch\fcs0 \f40\fs22\insrsid7091932\charrsid1143053 \hich\af40\dbch\af31506\loch\f40 (c)\tab}the release of one person from his obligation does not mean that the others are also released. 
\par }\pard\plain \ltrpar\qj \fi-720\li720\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11031330 \rtlch\fcs1 \af38\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11031330\charrsid1143053 [22]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid9250169\charrsid1143053 
From the above clause it is abundantly clear the plaintiff could sue the partners}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid15871557\charrsid1143053  of}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid2382331  the business}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid15871557\charrsid1143053  }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid9250169\charrsid1143053 jointly and}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid15871557\charrsid1143053 /}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid9250169\charrsid1143053 
or severally. 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11031330\charrsid1143053 [23]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid6361819\charrsid1143053 The next issue raised by the defen
dant is that there is a discrepancy in the interest rate claimed by the plaintiff. In the Facility schedule of the Loan offer letter the interest rate is 12% per annum on the first $325,000.00 and 17.5% on any excess. It also provides for 2% default inter
est.}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid15871557\charrsid1143053 
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11031330\charrsid1143053 [24]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid6361819\charrsid1143053 
In the original statement of claim the interest rate claimed by the plaintiff was 15.5% per annum. However, the interest rate has been reduced to 9.5% per annum.}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid4615451\charrsid1143053 
 The interest rate claimed by the plaintiff in the amended statement of claim is very much less that the interest rate agreed upon by the parties. Therefore, the defendant is not entitled to complain that any injustice would cause to him due the discrepan
cy in the interest rates claimed in the statement of claim, offer letter and in the amended statement of claim. 
\par }\pard \ltrpar\qj \li0\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7091932 {\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid11031330\charrsid1143053 [25]\tab }{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid4615451\charrsid1143053 For the aforesaid reasons the court makes the following orders.
\par 
\par }\pard \ltrpar\qc \li0\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11031330 {\rtlch\fcs1 \af38 \ltrch\fcs0 \b\f40\ul\insrsid4615451\charrsid1143053 ORDERS
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af38\afs22 \ltrch\fcs0 \f40\fs22\insrsid4615451\charrsid1143053 \hich\af40\dbch\af31506\loch\f40 1.\tab}}\pard\plain \ltrpar\s15\qj \fi-360\li1080\ri0\sa160\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls4\adjustright\rin0\lin1080\itap0\pararsid11031330\contextualspace \rtlch\fcs1 \af38\afs22\alang1025 \ltrch\fcs0 \f39\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid4615451\charrsid1143053 The defendant is ordered to pay the plaintiff $195,956.41 with interest at the rate of 9.5% per annum from 01}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\super\insrsid4615451\charrsid1143053 st}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid4615451\charrsid1143053  April 2014 until the entire sum is paid in full. 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af38\afs22 \ltrch\fcs0 \f40\fs22\insrsid4615451\charrsid1143053 \hich\af40\dbch\af31506\loch\f40 2.\tab}The defendant is also ordered to pay plaintiff $10,000.00 as costs.
\par }\pard\plain \ltrpar\qj \li0\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7091932 \rtlch\fcs1 \af38\afs22\alang1025 \ltrch\fcs0 \f39\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid4615451\charrsid1143053 
\par 
\par 
\par }\pard \ltrpar\qc \li0\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4615451 {\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid4615451\charrsid1143053 Lyone Seneviratne
\par }{\rtlch\fcs1 \af38 \ltrch\fcs0 \b\f40\insrsid4615451\charrsid1143053 JUDGE
\par }\pard \ltrpar\qj \li0\ri0\sa160\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8074894 {\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid4615451\charrsid1143053 27}{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\super\insrsid4615451\charrsid1143053 th}{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid4615451\charrsid1143053  April 2020 }{\rtlch\fcs1 \af38 \ltrch\fcs0 \f40\insrsid6361819\charrsid1143053  }{\rtlch\fcs1 \af38 \ltrch\fcs0 
\f40\insrsid8074894\charrsid1143053 {\*\bkmkend disp0}
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