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\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid8790193\charrsid8790193 FIJI DEVELOPMENT BANK }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid10430999\charrsid8790193 
\par }\pard \ltrpar\qr \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8790193 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid8790193\charrsid8790193 \tab \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f39\fs24\ul\insrsid8790193\charrsid8790193 RESPONDENT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid2977444 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid8790193 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid8790193\charrsid8790193 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8790193 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid8790193 Appearance\tab \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f39\fs24\insrsid2977444\charrsid8790193 :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid8790193 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4260318\charrsid8790193 Yogita & Nalesh Nand (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid5864090\charrsid8790193 self-represented}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4260318\charrsid8790193 )}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2766711\charrsid8790193  -}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid4260318\charrsid8790193  the Appellants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid2977444\charrsid8790193 
\par }\pard \ltrpar\qj \fi720\li2160\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid8790193 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2766711\charrsid8790193 Ms Raitin}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid4260318\charrsid8790193 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2977444\charrsid8790193  for the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4260318\charrsid8790193 Respondent.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid2977444\charrsid8790193 
\par }\pard \ltrpar\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8790193 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4674041\charrsid8790193 \tab 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8790193 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid8790193 Date of Hearing\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f39\fs24\insrsid2977444\charrsid8790193 :\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4260318\charrsid8790193 9 December 2019}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2977444 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid8790193\charrsid8790193 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid8790193 Date of Judgement\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid2977444\charrsid8790193 : }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid1454674 \tab }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid1454674\charrsid1454674 12 February 2020}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid2977444\charrsid8790193 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid9337473 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid8790193\charrsid8790193 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8790193 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid9337473\charrsid8790193 DECISION}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f39\fs24\ul\insrsid9337473 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid8790193\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid4260318\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 1.\tab}}\pard\plain \ltrpar
\s19\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4260318\charrsid8790193 This i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid10953205\charrsid8790193 s an appeal from a decision of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid4260318\charrsid8790193  the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15943692\charrsid8790193 Magistrates Court at Ba on the 7}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\super\insrsid15943692\charrsid8790193 th}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15943692\charrsid8790193  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4260318\charrsid8790193 June 2019. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15470781\charrsid8790193 
\par }\pard\plain \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8790193 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid8790193 
\par }\pard \ltrpar\qj \fi720\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8790193 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid8790193\charrsid8790193 BACKGROUND}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f39\fs24\ul\insrsid9045044\charrsid8790193 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8790193 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid8790193\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid4260318\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 2.\tab}}\pard\plain \ltrpar
\s19\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4260318\charrsid8790193 The respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid10953205\charrsid8790193  (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f39\fs24\insrsid10953205\charrsid8790193 
the bank}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid10953205\charrsid8790193 )}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4260318\charrsid8790193  is the original plaintiff in the Magistrate\rquote }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid12613306\charrsid8790193 s Court, and was }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid263416\charrsid8790193 there }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12613306\charrsid8790193 claiming against}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4260318\charrsid8790193  the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15943692\charrsid8790193 appellants as original borrower}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid12613306\charrsid8790193  (first named }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid10953205\charrsid8790193 appellant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid263416\charrsid8790193  Yogita Nand}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12613306\charrsid8790193 ) and guarantors (second and third appellants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid263416\charrsid8790193  Nalesh Nand & Champa Wati}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid12613306\charrsid8790193 , who are respectively the husband and mother}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid10953205\charrsid8790193  of the borrower) amounts }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid12613306\charrsid8790193 said to be }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid10953205\charrsid8790193 still }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12613306\charrsid8790193 outstanding of }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid10226839\charrsid8790193 two loans made by }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12613306\charrsid8790193 the bank in 2007 and 2008}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid2893121\charrsid8790193  to assist the first named appellant to d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid263416\charrsid8790193 evelop her business}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid12613306\charrsid8790193 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4260318\charrsid8790193 
\par }\pard \ltrpar\s19\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12613306\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid12613306\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 3.\tab}}\pard \ltrpar
\s19\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12613306\charrsid8790193 The }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f39\fs24\insrsid263416\charrsid8790193 appellants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12613306\charrsid8790193  are self-represented.  Yogita and 
Nalesh Nand appeared at the hearing of their appeal. It seems that the third appell}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid263416\charrsid8790193 ant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid9641132\charrsid8790193 
 Ms Champa Wati}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12613306\charrsid8790193  passed away }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid9641132\charrsid8790193 
in June 2017 (after the plaintiff filed its claim in the Magistrates Court in February 2017).  There does not appear to have been an application for substitution of her executors }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid2893121\charrsid8790193 or administrators}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid9641132\charrsid8790193  in her place. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12613306\charrsid8790193 
\par }\pard \ltrpar\s19\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2893121\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid2893121\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 4.\tab}}\pard \ltrpar
\s19\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2893121\charrsid8790193 
The respondents filed a defence to the bank\rquote s claim, and a counterclaim seeking }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid860098\charrsid8790193 $750,000,000 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid10953205\charrsid8790193 in damages for each of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid860098\charrsid8790193  the three defendants (a total of $2.25b) for what is said (paragraph 
15 of the Statement of Defence & Counterclaim) to be (inter alia) breach of contract, wrongdoing and dishonesty}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15943692\charrsid8790193 .  The factual basis for these allegations it not set out in the 
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid263416\charrsid8790193 defendants\rquote  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15943692\charrsid8790193 pleadings, either in terms of the wrongdoing said to have been commi
tted by the bank, or as to the losses caused to the defendants by any wrongdoing}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid9530382\charrsid8790193  or breach.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15943692\charrsid8790193   

\par }\pard \ltrpar\s19\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15943692\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid2893121\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 5.\tab}}\pard \ltrpar
\s19\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2893121\charrsid8790193 
The claim was heard at the Magistrates Court at Ba on 26 September}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid10953205\charrsid8790193  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2893121\charrsid8790193 2017}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f39\fs24\insrsid860098\charrsid8790193 .  The Learned Magistrate struck out the counterclaim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7737776\charrsid8790193  on the basis that the Magistrates Co
urt did not have jurisdiction (paragraph 6 of the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid10953205\charrsid8790193  Magistrate\rquote s judgement). The Learned Magistrate}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid860098\charrsid8790193  does not appear to have turned his mind to the options of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7737776\charrsid8790193 :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7737776 
\par }\pard\plain \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8790193 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid8790193\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid860098\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 i.\tab}}\pard\plain \ltrpar
\s19\qj \fi-720\li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid860098\charrsid8790193 inviting the defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2893121\charrsid8790193  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7737776\charrsid8790193 
to reduce the amount of their counterclaim to an amount within the jurisdiction of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid8209329\charrsid8790193 the Court}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7737776\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid7737776\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 ii.\tab}reporting t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid8209329\charrsid8790193 o the High Court the pendency of a matter which in the opinion of the Court ought for any reason to be transferred to the High Court.  Mr Nand s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid10953205\charrsid8790193 ays}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid8209329\charrsid8790193  that in the course of the hearing }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid10953205\charrsid8790193 in the Magistrate
\rquote s Court}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid8209329\charrsid8790193  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid263416\charrsid8790193 he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid8209329\charrsid8790193 
asked the Magistrate to refer the matter to the High Court.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid10953205\charrsid8790193 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid8209329\charrsid8790193 he judgment }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid10953205\charrsid8790193 does not refer to this request.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7632055\charrsid8790193 
\par }\pard \ltrpar\s19\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7632055\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid9575225\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 6.\tab}}\pard \ltrpar
\s19\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid9575225\charrsid8790193 There was one witness only for th}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid10953205\charrsid8790193 e bank at the hearing. She was}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid9575225\charrsid8790193  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid13253114\charrsid8790193 Ms Margaret Haz}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid9575225\charrsid8790193 elman,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid13253114\charrsid8790193  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f39\fs24\insrsid9575225\charrsid8790193 a member of the bank\rquote s Asset Management Unit, based at Suva.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid10953205\charrsid8790193 Ms Hazelman}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid9575225\charrsid8790193  did not claim to have any personal knowledge of the bank\rquote }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid13253114\charrsid8790193 s loans to the defendants, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid9575225\charrsid8790193 apart from what is apparent from the banks file.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12336521\charrsid8790193  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid9575225\charrsid8790193 
 It does not appear that Ms Ha}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid13253114\charrsid8790193 zelman was subject to much in the way of cross-examination. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid9575225\charrsid8790193 
\par }\pard \ltrpar\s19\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid13253114\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid9530382\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 7.\tab}}\pard \ltrpar
\s19\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid9530382\charrsid8790193 As stated}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f39\fs24\insrsid7746800  (having struck o}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid6108317 ut the counterclaim as set out }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7746800 in paragraph 5 above)}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f39\fs24\insrsid9530382\charrsid8790193 , the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid9045044\charrsid8790193 Learned }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid9530382\charrsid8790193 Magistrate\rquote s}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2893121\charrsid8790193  decision was issued on 7 June 2019. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid9045044\charrsid8790193 The Court entered judgment in favour of the bank against th
e three defendants for $29379.39 (which }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7746800 amount }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid9045044\charrsid8790193 
the court held had not been challenged by the defendants) plus post judgment interest at 5% per annum and costs of $300.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12336521\charrsid8790193 
  The amount for which judgment was entered is the same amount as was sought by the bank 
when it filed its claim by writ of summons on 7 February 2017 which in turn is the same amount as shown in the banks evidence as being owed in September 2015.  In other words the bank has not sought interest on the outstanding loan balance for any of the 
last four plus years. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid9045044\charrsid8790193 
\par }\pard\plain \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8790193 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid8790193 
\par }\pard \ltrpar\qj \fi720\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8790193 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid8790193\charrsid8790193 THE APPEAL}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f39\fs24\ul\insrsid9045044\charrsid8790193 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8790193 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid8790193\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid9045044\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 8.\tab}}\pard\plain \ltrpar
\s19\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid9045044\charrsid8790193 In their appeal the appellants complain that the Learned Magistrate erred in the following ways (this is a summary in my words of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid2519394\charrsid8790193 Notice of Appeal}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12336521\charrsid8790193 , which is rather less concise}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2519394\charrsid8790193 ):}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2893121 
\par }\pard\plain \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8790193 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid8790193\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid2519394\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 i.\tab}}\pard\plain \ltrpar
\s19\qj \fi-720\li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2519394\charrsid8790193 he failed to have regard to all relevant documents.
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid2519394\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 ii.\tab}
he has apparently ignored the fact that the defendants have already paid more than $65,000, and yet the loans are still not}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid13239970\charrsid8790193  fully}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid2519394\charrsid8790193  repaid
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid2519394\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 iii.\tab}the loan documents relied on by the bank are inconsistent, difficult 
to understand an}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid10226839\charrsid8790193 d confusing. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2519394\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid10226839\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 iv.\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid10226839\charrsid8790193 
the bank declined the defendants application}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4915796\charrsid8790193 /proposal}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid10226839\charrsid8790193 
 in or about mid-2012 for a discounted debt settlement figure (i.e. to accept a reduced repayment amount in satisfaction of the loans).
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid10226839\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 v.\tab}the bank\rquote s handling of the loans caus
ed the death of Ms Champa Wati (the now deceased third defendant) who died due to lack of hope in life.
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid7632055\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 vi.\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7632055\charrsid8790193 
the Court failed to consider transferring the matter to be dealt with in the High Court.
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid7632055\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 vii.\tab}the bank delayed enforcing the loan from June 2014 (}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f39\fs24\insrsid8267853\charrsid8790193 it is not clear what this date refers to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7632055\charrsid8790193 ) to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid8267853\charrsid8790193 
7 February 2017 (the date when the bank\rquote s writ of summons was filed).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7632055\charrsid8790193 
\par }\pard \ltrpar\s19\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid9575225\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid13253114\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 9.\tab}}\pard \ltrpar
\s19\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid13253114\charrsid8790193 
At the hearing of the appeal Mr Nand (who gave his submissions with his wife sitting at his side) confirmed that the appellants do not challenge the fact they are the parties liable for the loans.  He confirmed that the only issue \endash 
 apart from the counterclaim - is the amount still owed to the bank.  On this subject Mr Nand was not particularly clear on how much}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid13239970\charrsid8790193  if any}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid13253114\charrsid8790193  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3224341\charrsid8790193 they do admit to owing the bank, ap
art from arguing that having paid more than $65,000 according to his calculation, it was impossible }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7746800 \endash  he says \endash  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid3224341\charrsid8790193 that they }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid13239970\charrsid8790193 would }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3224341\charrsid8790193 
still owe a further $29,000 as claimed by the bank. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2519394\charrsid8790193 
\par }\pard \ltrpar\s19\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3224341\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid3224341\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 10.\tab}}\pard \ltrpar
\s19\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3224341\charrsid8790193 
On the issue of the counterclaim I am not persuaded that the Learned Magistrate erred in dismissing this at the start of the hearing.  Certainly there were alternative actions he could have taken, as outlined above,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid13239970\charrsid8790193  and see section 32 Magistrates Court Act 1944 and O.13, r.1 Magistrates Court Rules}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4928502\charrsid8790193 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid3224341\charrsid8790193  but given}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid13239970\charrsid8790193 :
\par }\pard \ltrpar\s19\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid13239970\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\lang5129\langfe1033\langnp5129\insrsid3224341\charrsid8790193 \loch\af3\dbch\af31506\hich\f3 \'b7\tab}}\pard \ltrpar
\s19\qj \fi-720\li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3224341\charrsid8790193 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid13239970\charrsid8790193 e ludicrous amounts claimed by the defendants in their counterclaim,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3224341\charrsid8790193  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid13239970\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\lang5129\langfe1033\langnp5129\insrsid3224341\charrsid8790193 \loch\af3\dbch\af31506\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3224341\charrsid8790193 
the absence of any proper pleadings as to the basis for the bank}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4915796\charrsid8790193 \rquote }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3224341\charrsid8790193 s alleged liability}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid13239970\charrsid8790193 , 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\lang5129\langfe1033\langnp5129\insrsid13239970\charrsid8790193 \loch\af3\dbch\af31506\hich\f3 \'b7\tab}
the absence of any persuasive case that the amount claimed by the bank was not due and owing}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7746800  (i.e. if the amount claimed by the bank is proper}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid6108317 l}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7746800 y due and owing, it is hard to see how the bank might be at fault in seeking repayments)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3224341\charrsid8790193  
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid13239970 
\par }\pard \ltrpar\s19\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid8790193\charrsid8790193 
\par }\pard\plain \ltrpar\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8790193 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid13239970\charrsid8790193 it would have been unfair to the bank }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3224341\charrsid8790193 to have}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid4915796\charrsid8790193  further}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3224341\charrsid8790193  delayed the matter while the High Court reviewed the need to transfer the proceeding }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid7746800 because of the counterclaim.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3224341 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid8790193\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid3436701\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 11.\tab}}\pard\plain \ltrpar
\s19\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3436701\charrsid8790193 On the question of the amount that the appellants owe to the bank I agree that the bank\rquote s own loan docu}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid4915796\charrsid8790193 ments are somewhat confusing.  It seems that t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3436701\charrsid8790193 he bank made two loan offers  to the defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid1735590\charrsid8790193 :
\par }\pard \ltrpar\s19\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid1735590\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid3436701\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 i.\tab}}\pard \ltrpar
\s19\qj \fi-720\li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls4\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3436701\charrsid8790193 the first }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f39\fs24\insrsid1735590\charrsid8790193 was }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3436701\charrsid8790193 dated 2 October 2007 offering a loan of $38,681.00 at 12% per annum}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid1735590\charrsid8790193  (annual interest of $4641.72) with monthly instalments of $800.00 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3953878\charrsid8790193 commencing on 31/12/07 and continuing }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f39\fs24\insrsid1735590\charrsid8790193 for the six year term of the loan (total payments of $57,600).  There was a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4915796\charrsid8790193 n}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid1735590\charrsid8790193  establishment fee of $500.00, with \lquote documentation and other fees \'85 as per the banks fees and charges brochure\rquote . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3436701\charrsid8790193 

\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid1735590\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 ii.\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid1735590\charrsid8790193 
the second is dated 29 October 2008 offering a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3953878\charrsid8790193 n additional loan of $16,000.00 still at 12% per annum.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid1735590\charrsid8790193   The loan offer document specified monthly loan repayments of $1080.00 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3953878\charrsid8790193 commencing on 31/01/09) and continuing }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f39\fs24\insrsid1735590\charrsid8790193 for the six year term of the loan. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3953878\charrsid8790193  The total of these repayments is $77,760.  There is a loan }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f39\fs24\insrsid7746800 establishment fee of $200.00}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid6108317 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3953878\charrsid8790193 
 otherwise the terms for the second loan are the same as for the first.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid1735590\charrsid8790193 It is clear }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3953878\charrsid8790193 
(otherwise why would the monthly repayment amount for the second smaller loan be greater than that for the first much larger loan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7746800 ?}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid3953878\charrsid8790193 ) that the monthly loan repayment amount}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid1735590\charrsid8790193  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4915796\charrsid8790193 specified in the 
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7746800 second }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4915796\charrsid8790193 loan documents }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid1735590\charrsid8790193 
is the combined repayment amount for both loans. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid1735590 
\par }\pard\plain \ltrpar\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7746800 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7746800 
\par Together these two loans totalled $54,681.00.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7746800\charrsid7746800 
\par }\pard\plain \ltrpar\s19\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3953878\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid3953878\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 12.\tab}}\pard \ltrpar
\s19\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3953878\charrsid8790193 
At the hearing in the Magistrates Court the bank\rquote s witness had produced a statement showing all the loan amounts, interest and other charges, and repayments by the defendants.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid545016\charrsid8790193 In response to my question on the appeal Mr Nand for the defendants made it clear that there is only one query they have with that st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4928502\charrsid8790193 
atement; }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid545016\charrsid8790193 a discrepancy of one day in the bank crediting a payment to the account (the appellants produced a receipt showing a payment of $1080 on 31 July 2013, whereas the bank
\rquote s statement showed this payment being credited to the account on 1/08/13 (a day later).   The bank\rquote 
s explanation for this is that if a payment is made after the tellers have closed their tills for the day, a receipt will be given, but the payment will not be credited to the account until the following day.  As a result of the one day delay in
 payment the defendants were c}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4928502\charrsid8790193 harged an }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4915796\charrsid8790193 Arrears Fee of $25.00 by the ban}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f39\fs24\insrsid4928502\charrsid8790193 k.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid545016\charrsid8790193  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15470781\charrsid8790193 
\par }\pard \ltrpar\s19\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid545016\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid545016\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 13.\tab}}\pard \ltrpar
\s19\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid545016\charrsid8790193 
Apart from their concern over this payment the Appellan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15735084\charrsid8790193 ts acc}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid5055562\charrsid8790193 epted at the appeal hearing }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15735084\charrsid8790193 tha}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid6057987\charrsid8790193 t the statement }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15735084\charrsid8790193 
(plaintiff\rquote s exhibit 9) accurately records the payments they have made. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4928502\charrsid8790193 As referred to above, the concern that the appellants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid12674390\charrsid8790193  have expressed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid5055562\charrsid8790193 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12674390\charrsid8790193 
 both in this court and the court below, is that having paid over $65,000 towards interest and repayment on a loan totalling $55,000 (in round figures), how can it be that they still owe a further $29,000 as claimed by the bank? }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f39\fs24\insrsid5055562\charrsid8790193  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4928502\charrsid8790193 
\par }\pard \ltrpar\s19\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid8790193  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid4928502\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid5055562\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 14.\tab}}\pard \ltrpar
\s19\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid5055562\charrsid8790193 Unfortunately}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f39\fs24\insrsid4928502\charrsid8790193  for the appellants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid5055562\charrsid8790193  the figures speak for themselves.  Looking at Plaintiffs Exhibit 9}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid4928502\charrsid8790193  (the list of loans,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid8790193  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3878445\charrsid8790193 re}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid8790193 -}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid4928502\charrsid8790193 payments and charges)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid5055562\charrsid8790193 
, it is clear that the interest that the bank has charged on this
 loan totals over $31,000, and other bank fees and charges add a further $7500 approximately to the amount repayable.  These are not taken into account in the appellants rather simplistic calculations}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid3878445\charrsid8790193  that Mr Nand had made. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid5055562\charrsid8790193  Whether the amounts }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3878445\charrsid8790193 claimed by 
the banks for}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid5055562\charrsid8790193 
 interest, or the amounts charged in bank fees and charges are questionable is not an issue that has been raised either in the counterclaim or on appeal.   If the appellants wish to challenge these costs and charges (and I have no view on whet
her they are entitled to, or can still do so}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3878445\charrsid8790193 , and what their chances of success in that claim might be}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid5055562\charrsid8790193 ) the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3878445\charrsid8790193 y}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid5055562\charrsid8790193 
 need to do it in a properly prepared and coherent claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3878445\charrsid8790193  alleging breach by the bank of the loan agreements and particularising the losses those breaches have caused them}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid5055562\charrsid8790193 , not }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid3878445\charrsid8790193 via a fanciful}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid5055562\charrsid8790193 
 claim for $2.25b. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2100379\charrsid8790193 
\par }\pard \ltrpar\s19\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2100379\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid2100379\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 15.\tab}}\pard \ltrpar
\s19\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2100379\charrsid8790193 On }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid12076752\charrsid8790193 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2100379\charrsid8790193  matters raised in the Notice of Appeal as listed in paragraph 8 above}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid7933522\charrsid8790193  I find as follows}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2100379\charrsid8790193 : }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2100379 
\par }\pard\plain \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8790193 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid8790193\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\f39\lang5129\langfe1033\langnp5129\insrsid2100379\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 i.\tab}}\pard\plain \ltrpar
\s19\qj \fi-720\li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid2100379\charrsid8790193 he failed to have regard to all relevant documents.  
\par }\pard \ltrpar\s19\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2100379\charrsid8790193 
It is not clear to what extent the Learned Magistrate undertook a detailed examination of the loan documents to consider whether they are as confusing as the appellants contend, but I have done so.  I agr
ee that the loan offers contain some inconsistencies (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12076752\charrsid8790193 an item that is}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2100379\charrsid8790193 
 treated in one way in the first loan of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12076752\charrsid8790193 fer, is}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2100379\charrsid8790193 
 treated differently in the second).  But the differences are minor, and obvious}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12076752\charrsid8790193 , and it takes no more than a basic calculation to work out 
what is meant.  I do not agree that the other documents}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7933522\charrsid8790193  that the appellants say that the magistrate ignored}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid12076752\charrsid8790193  contain anything of use to the appellants.  Instead they show a pattern of persistent failure by the appellants to maintain loan repayments that are
 due, and a remarkable patience on the part of the bank towards the appellants\rquote  defaults. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2100379\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\f39\lang5129\langfe1033\langnp5129\insrsid2100379\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 ii.\tab}}\pard \ltrpar
\s19\qj \fi-720\li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid2100379\charrsid8790193 
he has apparently ignored the fact that the defendants have already paid more than $65,000, and yet the loans are still not fully repaid
\par }\pard \ltrpar\s19\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12076752\charrsid8790193 I have dealt with this \lquote argu
ment\rquote 
.  Assuming (because it has not been challenged by the appellants) that the bank is entitled to charge the interest and fees/charges as set out in the statement,  nearly $40,000 of the $65,000 paid by the appellants has been applied towards interest a
nd charges.  This explains why there is still a further $29,000 (all these figures are approximate) still owe}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid396633\charrsid8790193 d to the bank from the initial loans of $55,000}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7746800  (see paragraph 11 above)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid396633\charrsid8790193 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12076752\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\f39\lang5129\langfe1033\langnp5129\insrsid2100379\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 iii.\tab}}\pard \ltrpar
\s19\qj \fi-720\li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid2100379\charrsid8790193 the
 loan documents relied on by the bank are inconsistent, difficult to understand and confusing.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid396633\charrsid8790193 
\par }\pard \ltrpar\s19\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid396633\charrsid8790193 
See my findings in paragraph 15(i) above. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2100379\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\f39\lang5129\langfe1033\langnp5129\insrsid2100379\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 iv.\tab}}\pard \ltrpar
\s19\qj \fi-720\li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid2100379\charrsid8790193 
the bank declined the defendants application in or about mid-2012 for a discounted debt settlement figure (i.e. to accept a reduced repayment amount in satisfaction of the loans).
\par }\pard \ltrpar\s19\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid396633\charrsid8790193 The bank\rquote 
s obligation (and its right) is to adhere to the terms of its loan offer.  The bank is not obliged to agree to extensions sought by a defaulting borrower, or }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7933522\charrsid8790193 to }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid396633\charrsid8790193 accept less than it is entitled to.   In any event the bank has been remarkably restrained in its claims, and \endash  as I have observed \endash 
 has not sought (in these proceedings at least) interest that it is probably entitled to from 2015 onwards. 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\f39\lang5129\langfe1033\langnp5129\insrsid2100379\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 v.\tab}}\pard \ltrpar
\s19\qj \fi-720\li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid2100379\charrsid8790193 the bank\rquote 
s handling of the loans caused the death of Ms Champa Wati (the now deceased third defendant) who died due to lack of hope in life.
\par }\pard \ltrpar\s19\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid396633\charrsid8790193 There is no evidence to support }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12734853\charrsid8790193 this claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15080501\charrsid8790193  apart from the fact that Ms Wati has died}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid12734853\charrsid8790193 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7933522\charrsid8790193  As I have pointed out, the bank is entitled to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid9641484\charrsid8790193 
enforce the terms of the loan agreements, and for this claim to succeed would require some very strong evidence of knowing abuse by the bank of its rights.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12734853\charrsid8790193 
I have found, for the reasons expressed above, that the decision of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15080501\charrsid8790193 Learned }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid12734853\charrsid8790193 Magistrate to }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15080501\charrsid8790193 dismiss the counterclaim 
was correct in all the circumstances.  If the appellants seriously believe that there is some basis for this claim they need to take legal advice about filing separate proceedings, although this comment should not be interpreted as encouragement for them 
to do so. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid396633\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\f39\lang5129\langfe1033\langnp5129\insrsid2100379\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 vi.\tab}}\pard \ltrpar
\s19\qj \fi-720\li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid2100379\charrsid8790193 
the Court failed to consider transferring the matter to be dealt with in the High Court.
\par }\pard \ltrpar\s19\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15080501\charrsid8790193 I have}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f39\fs24\insrsid9641484\charrsid8790193  already dealt with this issue in paragraph 10 above.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15080501\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\f39\lang5129\langfe1033\langnp5129\insrsid2100379\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 vii.\tab}}\pard \ltrpar
\s19\qj \fi-720\li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid2100379\charrsid8790193 the
 bank delayed enforcing the loan from June 2014 (it is not clear what this date refers to) to 7 February 2017 (the date when the bank\rquote s writ of summons was filed).
\par }\pard \ltrpar\s19\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15080501\charrsid8790193 
Given that the bank has not claimed interest beyond 2015, even if this claim translates into
 a default by the bank, the appellants cannot point to any loss resulting from it.  In any case, the bank is constrained by the Limitation Act, but otherwise is not obliged to act promptly. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f39\fs24\insrsid2100379\charrsid8790193 
\par 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid5055562\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 16.\tab}}\pard \ltrpar
\s19\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid5055562\charrsid8790193 
I am satisfied that the Learned Magistrate did not err in fact o}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid7746800 r }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid5055562\charrsid8790193 
in law in dismissing the counterclaim and entering judgement for the bank.
\par }\pard \ltrpar\s19\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid5055562\charrsid8790193 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\lang5129\langfe1033\langnp5129\insrsid5055562\charrsid8790193 \hich\af39\dbch\af31506\loch\f39 17.\tab}}\pard \ltrpar
\s19\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin720\itap0\pararsid8790193\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid5055562\charrsid8790193 
The appeal is dismissed.  The respondent is entitled to costs on the appeal of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid11745909\charrsid8790193 $300.00.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid5055562\charrsid8790193 
\par }\pard\plain \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8790193 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15470781\charrsid8790193 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8790193 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid8790193 
\par 
\par 
\par 
\par 
\par __________
\par A.G. Stuart
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid8790193 Judge
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8790193 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid8790193 
\par At Lautoka this }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid1454674 12}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\super\insrsid8790193 th}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \b\f39\fs24\insrsid8790193  day of February, 2020

\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8790193 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2766711\charrsid8790193 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f39\fs24\ul\insrsid15470781\charrsid8790193 SOLICITORS:
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid2766711\charrsid8790193 Fiji Development Bank  - for the Plaintiff/Respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f39\fs24\insrsid15470781\charrsid8790193 
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