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\b\cf1\insrsid3935277\charrsid11093257 IN THE HIGH COURT OF FIJI
\par WESTERN DIVISION
\par AT LAUTOKA
\par 
\par [CIVIL JURISDICTION]
\par }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\cf1\insrsid15409266\charrsid11093257 
\par }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\cf1\insrsid3935277\charrsid11093257 Civil Action No. HBC }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\cf1\insrsid1444807\charrsid11093257 21}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\cf1\insrsid3935277\charrsid11093257  of 20}{
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\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid3935277\charrsid11093257 IN THE MATTER}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3935277\charrsid11093257  of Mortgage, No: 8}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid14045196\charrsid11093257 36707 over iTaukei Lease No.32804}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3935277\charrsid11093257  given by }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid14045196\charrsid11093257 
HASMAT ALI}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7431672\charrsid11093257  in favour of the }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid14045196\charrsid11093257 FIJI DEVELOPMENT BANK.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3935277\charrsid11093257 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11082487\charrsid11093257 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid7431672\charrsid11093257 BETWEEN}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid15409266\charrsid11093257 
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\ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid16005520\charrsid11093257 FIJI DEVELOPMENT BANK}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7431672\charrsid11093257  a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16005520\charrsid11093257 
body corporate }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15409266\charrsid11093257 duly constituted
\par under the Fiji }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16005520\charrsid11093257 Development Bank Act,  Cap 214 and hav}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15409266\charrsid11093257 ing its
\par principal office at 360 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16005520\charrsid11093257 Victoria Parade, Suva in Fiji.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7431672\charrsid11093257 
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\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid11082487\charrsid11093257 AND}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid14422936\charrsid11093257 :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15409266\charrsid11093257 

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\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid16005520\charrsid11093257 SAMSERUN NIS}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid6316420\charrsid11093257 HA TOGETHER WITH HER AGENTS}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\insrsid13445309\charrsid11093257 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid6316420\charrsid11093257 AND/}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid16005520\charrsid11093257 OR SERVANTS}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15409266\charrsid11093257 
 of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16005520\charrsid11093257 Saweni}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11082487\charrsid11093257 , Lautoka
\par }\pard\plain \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11093257 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid14422936\charrsid11093257 DEFENDANT
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11093257 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid7546794\charrsid11093257 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7546794\charrsid11093257 Before\tab \tab \tab :\tab Master U.L. Mohamed Azhar
\par 
\par }\pard \ltrpar\ql \li0\ri4\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin4\lin0\itap0\pararsid11093257 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7546794\charrsid11093257 Counsels\tab \tab :\tab M}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid6040585\charrsid11093257 r}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7546794\charrsid11093257 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5972246\charrsid11093257 N. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1523665\charrsid11093257 Lajendra }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7546794\charrsid11093257 for the Plaintiff
\par \tab \tab \tab \tab M}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1523665\charrsid11093257 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7546794\charrsid11093257 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1523665\charrsid11093257 V}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7546794\charrsid11093257 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1523665\charrsid11093257 Cava}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7546794\charrsid11093257  for the Defendant 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11093257 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid7546794\charrsid11093257  
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7546794\charrsid11093257 Date of Judgment\tab :\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8273625\charrsid11093257 05}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4653694\charrsid11093257 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1523665\charrsid11093257 0}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8273625\charrsid11093257 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4653694\charrsid11093257 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7546794\charrsid11093257 202}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1523665\charrsid11093257 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7546794\charrsid11093257 
\par 
\par 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11093257 {\rtlch\fcs1 \af0\afs28 \ltrch\fcs0 \b\f0\fs28\insrsid7546794\charrsid11093257 JUDGMENT
\par }\pard \ltrpar\ql \fi-2835\li2835\ri0\sa160\sl259\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2835\itap0\pararsid7546794 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7546794\charrsid8214674 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid146391\charrsid15360957 \hich\af0\dbch\af0\loch\f0 01.\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa200\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin720\itap0\pararsid15360957\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid146391\charrsid15360957 The plaintiff Bank}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5382139  (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid5382139\charrsid5382139 the plaintiff}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid5382139 ), as a Mortgagee, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid146391\charrsid15360957 took out the originating summons pursuant to Order 88}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13724176\charrsid15360957  rule 1 (1) (d)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid146391\charrsid15360957  of the High Court Rules a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6300785\charrsid15360957 
gainst the defendant. The summons is supported by an affidavit sworn by }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724176\charrsid15360957 Ramesh Sewak Chand}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15156322\charrsid15360957  - the 
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8273625 M}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4073201\charrsid15360957 anager, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8273625 A}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4073201\charrsid15360957 ssets }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8273625 M}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4073201\charrsid15360957 anagement }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8273625 D}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4073201\charrsid15360957 epartment }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15156322\charrsid15360957 of the plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4073201\charrsid15360957 . The summons}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6300785\charrsid15360957  seeks the following orders:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7546794\charrsid15360957 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang1033\langfe1033\langnp1033\langfenp1033\insrsid1990026 \hich\af0\dbch\af0\loch\f0 1.\tab}}\pard\plain \ltrpar\qj \fi-360\li1440\ri521\sa160\sl259\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin521\lin1440\itap0\pararsid7232083 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\ul\insrsid1990026 DELIVERY}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1990026\charrsid1990026  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1990026 
by the defendant together with her agents and or servants to the plaintiff of vacant possession of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid1990026\charrsid3433432 ALL THAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1990026 
 property comprised and described in: 
\par }\pard \ltrpar\qj \li1440\ri521\sa160\sl259\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1440\itap0\pararsid1990026 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid1990026 iTAUKEI LEASE NO. 32804}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1990026  being Veibona Subdivision Lot 1 on S}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2706851 O 5720 situated in the Tikina of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1990026 
 Vuda and Province of Ba, having an area size of 4431 square meters.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1990026\charrsid1990026 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang1033\langfe1033\langnp1033\langfenp1033\insrsid10566688\charrsid10566688 \hich\af0\dbch\af0\loch\f0 2.\tab}}\pard \ltrpar\qj \fi-360\li1440\ri521\sa160\sl259\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin521\lin1440\itap0\pararsid10566688 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10566688\charrsid10566688 AN}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10566688\charrsid10566688  injunction restraining the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2846752 D}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15222032 efendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10566688\charrsid10566688  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2846752 together with her}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10566688\charrsid10566688  agents}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid138679  and/}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2846752 or servants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10566688\charrsid10566688  from interfering }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2846752 with the improvement}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11220763 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2846752  on the said property in any way so as to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10566688\charrsid10566688 deplete its value.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang1033\langfe1033\langnp1033\langfenp1033\insrsid10044169 \hich\af0\dbch\af0\loch\f0 3.\tab}}\pard \ltrpar\qj \fi-360\li1440\ri0\sa160\sl259\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin1440\itap0\pararsid7957673 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10044169 COST}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7957673  of this action; and}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7957673\charrsid10566688 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang1033\langfe1033\langnp1033\langfenp1033\insrsid10566688\charrsid10566688 \hich\af0\dbch\af0\loch\f0 4.\tab}}\pard \ltrpar\qj \fi-360\li1440\ri521\sa160\sl259\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin521\lin1440\itap0\pararsid10566688 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10566688\charrsid10566688 SUCH}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\insrsid10566688\charrsid10566688  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10566688\charrsid10566688 further }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12212376 and/}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10566688\charrsid10566688 or other }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7957673 orders }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10566688\charrsid10566688 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7957673 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10566688\charrsid10566688  Honorable Court}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7957673  may deem just and appropriate in the circumstances}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10566688\charrsid10566688 .
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid15031687\charrsid15360957 \hich\af0\dbch\af0\loch\f0 02.\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa200\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin720\itap0\pararsid15360957\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid15031687\charrsid15360957 The defendant filed affidavit in opposition which was replied by the plaintiff. The defendant thereafter filed a supplementary affidavit with the leave of the court. The plaintiff decided not to file }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8870580 an}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15031687\charrsid15360957  affidavit in reply to supplementary affidavit.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15031687 

\par }\pard \ltrpar\s21\qj \li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid15360957\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15360957\charrsid15360957 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid13724838\charrsid15360957 \hich\af0\dbch\af0\loch\f0 03.\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa200\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin720\itap0\pararsid15360957\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724838\charrsid15360957 The Order 88 of the High Court Rules provides for}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14484487\charrsid15360957  the procedure for}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724838\charrsid15360957  the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid538507\charrsid15360957 
 mortgage actions. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13724838\charrsid15360957  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14365666\charrsid15360957 It }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4462868\charrsid15360957 applies to any action by a mortgagee or mortgagor or by any person havin}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid538507\charrsid15360957 
g the right to foreclose or redeem any mortgage, being an action in which there is a claim for any of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14365666\charrsid15360957 reliefs mentioned in}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid14894098\charrsid15360957  sub rule 1 (1)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14365666\charrsid15360957 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14894098\charrsid15360957 If }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid10770805\charrsid15360957 the plaintiff is the mortgagee and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14894098\charrsid15360957 claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10770805\charrsid15360957 s}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1838100\charrsid15360957  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14894098\charrsid15360957 delivery of possession}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1838100\charrsid15360957 , }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10770805\charrsid15360957 in an originating summons, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1838100\charrsid15360957 
the supporting affidavit must comply}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3044501\charrsid15360957  with}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1838100\charrsid15360957  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid14484487\charrsid15360957 certain}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1838100\charrsid15360957  requirements mentioned in rule 3 of the Order 88, which reads that:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid14894098\charrsid15360957  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid538507 
\par }\pard \ltrpar\s21\ql \li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid15360957\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15360957\charrsid15360957 
\par }\pard\plain \ltrpar\qj \fi-720\li1854\ri521\sa160\sl259\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1854\itap0\pararsid15426716 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15426716\charrsid8214674 (2) \tab The affidavit must exhibit a true copy of the mortgage and the original mort
gage or, in the case of a registered charge, the charge certifi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9927596 cat}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4484757 e }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid15426716\charrsid8214674 must be produced at the hearing of the summons.
\par (3) \tab Where the plaintiff claims delivery of possession the affid
avit must show the circumstances under which the right to possession arises and, except where the Court in any case or class otherwise directs, the state of the account between the mortgagor and mortgagee with particulars of-
\par }\pard \ltrpar\qj \li1854\ri521\sa160\sl259\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1854\itap0\pararsid15426716 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15426716\charrsid8214674 (a) the amount of the advance; 

\par (b) the amount of the periodic payments required to be made;
\par (c) the amount of any interest or instalments in arrears at the date of issue of the originating summons and at the date of the affidavit; and 
\par (d) the amount remaining due under that mortgage. 
\par }\pard \ltrpar\qj \fi-709\li1843\ri521\sa160\sl259\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1843\itap0\pararsid15426716 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15426716\charrsid8214674 (4) \tab 
Where the plaintiff claims delivery of possession, the affidavit must give particulars of every person who to the best of the plaintiff\rquote s knowledge is in possession of the mortgaged property.
\par }\pard\plain \ltrpar\s21\ql \li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid15360957\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15426716 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid16738258 \hich\af0\dbch\af0\loch\f0 04.\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa200\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin720\itap0\pararsid3542994\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16738258 
The certified true copy of the Mortgage is annexed with the supporting affidavit. It is marked as Exhibit }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid16738258\charrsid5382139 \'93D\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16738258 . In addition the counsel for the plaintiff tendered the original copy of the Mortgage at hearing as required by the rules. It is evident from the supporting affidavit that, l}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid877588 ate Hasmat Ali was the registered proprietor of all that property comprised and described in iTaukei Lease No. 32804}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15731296  being Veibona Subdivision Lot 1 on SO }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6299611 5720 situated in the Tikina of Vuda and Province of Ba, having an area of 4431 square meters (subject property). }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16738258 
Late Hasmat Ali obtained loan from the plaintiff under three different accounts, namely; (a) Loan Account No. 16975, (b) Loan Account No. 151700, and (c) Loan Account No. 151411. He mortgaged the subject property as a security for the loan}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3940430  obtained under all three loan accounts}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16738258 . The Mortgage was for total of $}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7221862 
 594,025.00 lent to late Hasmat Ali for the term of 12 years on an agreed interest rate of 12%}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3542994  per annum. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9059180\charrsid3542994 
He defaulted in repayment and then passed away. The loan remained unsettled.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7760290\charrsid3542994 
\par }\pard \ltrpar\s21\qj \li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3542994\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7760290 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid9059180\charrsid3542994 \hich\af0\dbch\af0\loch\f0 05.\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa200\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin720\itap0\pararsid3542994\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9059180\charrsid3542994 The plaintiff bank}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid14226710\charrsid3542994  sent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9059180\charrsid3542994  arrears notices and demand letters to the Estate of late Hasmat Ali. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid14226710\charrsid3542994 However, the loan was not settled. The plaintiff bank then advertised the subject property for Mortgagee\rquote s Sale. The bank entered into a Sale and Purchase Agreement with the successful tenderer. }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3551196\charrsid3542994 
\par }\pard \ltrpar\s21\qj \li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3551196\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3551196 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid3551196 \hich\af0\dbch\af0\loch\f0 06.\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa200\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin720\itap0\pararsid15360957\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3551196 The defendant is the wife of late Hasmat Ali.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid86016  She filed two affidavits in opposition of the summons for vacant possession. In the first affidavit she stated (paragraph 5) that, she did not have knowledge about the loan facility and the mortgage by her late husband Ali. }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12136527 Finally at paragraph 14 of the same affidavit she moved the court to allow her to operate the business and pay the loan or to be given time to vacate the subject property. }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid86016  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9059180 
\par }\pard \ltrpar\s21\qj \li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9137726\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9059180 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid9137726 \hich\af0\dbch\af0\loch\f0 07.\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa200\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin720\itap0\pararsid15360957\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9137726 The defendant, in her supplementary affidavit }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid1122369 averred}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9137726  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1122369 contradicting her own affidavit initially filed in opposition of the summons.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9137726  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1379923 
However, there is no dispute as to the arrears of loan obtained by her late husband. The defendant merely seeks further time to do business and settle the loan. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9059180 
\par }\pard \ltrpar\s21\ql \li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2062383\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2062383\charrsid2062383 
\par }\pard\plain \ltrpar\qj \fi-720\li720\ri0\sa160\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12402500 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10843975\charrsid8214674 08.\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13763924\charrsid8214674 
It has been a long-established right in common law that, a mortgagee has 
proprietary right as the owner of the legal estate to go into the possession of the mortgaged property, at any time after the mortgage is executed unless such right is limited either by a contract or a statute. There is number of cases which established t
his right.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10843975\charrsid8214674  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11817708\charrsid8214674 In }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\b\f0\fs24\ul\insrsid11817708\charrsid8214674 Fourmaids}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10843975\charrsid8214674 , }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid11817708\charrsid8214674 Ltd}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10843975\charrsid8214674 . }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid10843975\charrsid8214674 v.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10843975\charrsid8214674  }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid11817708\charrsid8214674 Dudley Marshal (Properties), Ltd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11543345\charrsid8214674  (1957) 2 All ER 35}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11817708\charrsid8214674  Harman, J held }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11543345\charrsid8214674 at page 36 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11817708\charrsid8214674 that:}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid13763924\charrsid8214674   
\par }\pard \ltrpar\qj \fi-1134\li1134\ri521\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1134\itap0\pararsid12402500 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11817708\charrsid8214674 \tab 
The right of the mortgagee to possession in the absence of some specific contract has nothing to do with default on the part of the mortg
agor. The mortgage my go into possession before the ink is dry on the mortgage unless by a term expressed or necessarily implied in the contract he has contracted himself out of that right. He has the right because he has a legal term of years in the prop
erty. If there is an attornment clause, he must give notice. If there is a provision expressed or to be implied that, so long as certain payments are made he will not go into possession, then he has contracted himself out of his rights. Apart from that, p
ossession is a matter of course.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11817708 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12402500\charrsid8214674 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa160\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12402500 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1332555\charrsid8214674 09.\tab }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2384880\charrsid8214674 Goff L.J. in }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid2384880\charrsid8214674 Western Bank Ltd. v. Schindler}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2384880\charrsid8214674  (1977) 1 Ch. 1 cited the wording of Harman}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid917544  J}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2384880\charrsid8214674  in the above matter}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16737726\charrsid8214674 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2384880\charrsid8214674  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid917544  and }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid2384880\charrsid8214674 said of a mortgagee's right to possession of the mortgaged property at p.20 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16737726\charrsid8214674 as follows}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2384880\charrsid8214674 :
\par }\pard \ltrpar\qj \li1134\ri521\sa160\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1134\itap0\pararsid12402500 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2384880\charrsid8214674 
"It has for a very long time been established law that a mortgagee has a proprietary right at common law as owner of the legal estate to go into possession of the mortgaged property. This right has been unequivocally recognised in a number of modern cases
: see, for example, Four Maids Ltd. v. Dudley Marshall (Properties Ltd. (1957) Ch. 317. ... It has nothing to do with default: See per Harman J. in the Four-Maids case
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa160\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12402500 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2180368\charrsid8214674 10.\tab 
This common law right has now been incorporated }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15993861\charrsid8214674 in}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2180368\charrsid8214674 to the statutes}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid15993861\charrsid8214674  in many jurisdictions}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2180368\charrsid8214674  and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15993861\charrsid8214674 
also has become a standard clause in}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2180368\charrsid8214674  the Mortgage Bond signed by the mortgagor}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15993861\charrsid8214674 s}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2180368\charrsid8214674  and mortgagee}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15993861\charrsid8214674 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2180368\charrsid8214674 
. Accordingly, the statutes and the Mortgage Bond}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7540238\charrsid8214674 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2180368\charrsid8214674  now permit the mortgagee}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid7540238\charrsid8214674 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2180368\charrsid8214674  to enter into possession of mortgaged property upon failure of the mortgagor to repay the money so secured by mortgage.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1265017 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12402500 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4793826\charrsid8214674 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa160\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12402500 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7540238\charrsid8214674 11.\tab 
The section 75 of the Property Law Act}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid921480\charrsid8214674  No. 18 of 1971}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7540238\charrsid8214674  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid921480\charrsid8214674 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7540238\charrsid8214674 Cap130}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid921480\charrsid8214674 ]}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7540238\charrsid8214674  gives the power to the mortgagee to enter into possession of the mortgaged property upon default in payment of the mortgage money or any part thereof. The said section reads:
\par }\pard \ltrpar\qc \fi-1440\li1440\ri521\sa160\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1440\itap0\pararsid12402500 {\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid7540238\charrsid7540238 
Mortgagee may, after default, enter into possession}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7540238\charrsid7540238 
\par }\pard \ltrpar\qj \li1440\ri521\sa160\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1440\itap0\pararsid12402500 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid7540238\charrsid7540238 75}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid7540238\charrsid7540238 
. A mortgagee, upon default in payment of the mortgage money or any part thereof, may enter into possession of the mortgaged land by receiving the rents and profits thereof or may distrain upon the occupier or tenant of the said land for the rent then due
.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7540238\charrsid8214674 
\par }\pard \ltrpar\qj \fi-720\li720\ri-46\sa160\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin-46\lin720\itap0\pararsid12402500 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid921480\charrsid8214674 12.\tab }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15340775\charrsid8214674 The clause }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3542994 6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15340775\charrsid8214674 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2038409\charrsid8214674 2 of the Mortgage }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3542994 (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid3542994\charrsid3542994 Exhibit D}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3542994 ) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2038409\charrsid8214674 provides for }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9400985\charrsid8214674 various }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1067709\charrsid8214674 consequences of default. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9400985\charrsid8214674 Among those sub-clauses, (a), (b) and (f) are important for determination of this summons. Those sub-clauses are:
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid921480\charrsid8214674 
\par }\pard \ltrpar\qj \li1440\ri521\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1440\itap0\pararsid5844253 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid15224775\charrsid15224775 5.2\tab Consequences of default
\par }\pard \ltrpar\qj \fi-720\li720\ri521\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin720\itap0\pararsid3629807 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15224775\charrsid15224775 
\par }\pard \ltrpar\qj \fi-720\li2160\ri521\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin2160\itap0\pararsid3629807 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15224775\charrsid15224775 If any event of default occurs, }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3542994 I am in default under each agreement with FDB and FDB}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15224775\charrsid15224775  may:
\par 
\par }\pard \ltrpar\qj \fi-720\li2160\ri521\widctlpar\tx426\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin2160\itap0\pararsid3629807 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid15224775\charrsid8214674 (a) }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \b\f0\fs24\insrsid15224775\charrsid15224775 require that }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid3542994 I}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid15224775\charrsid15224775  immediately pay the secure}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8454530\charrsid8214674 d}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid15224775\charrsid15224775  money; an}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\b\f0\fs24\insrsid7684241\charrsid8214674 d}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid15224775\charrsid15224775 
\par }\pard \ltrpar\qj \fi-720\li2160\ri521\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin2160\itap0\pararsid3629807 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid15224775\charrsid15224775 
\par }\pard \ltrpar\qj \fi-720\li2160\ri521\widctlpar\tx426\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin2160\itap0\pararsid3629807 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid15224775\charrsid8214674 (b) }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \b\f0\fs24\insrsid15224775\charrsid15224775 take or give up possession (as often as }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid3542994 FDB may}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid3629807  think necessary)

\par       }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid15224775\charrsid15224775 of property and of any rents and profits of the property}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15224775\charrsid15224775 ; and
\par }\pard \ltrpar\qj \fi-720\li2160\ri521\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin2160\itap0\pararsid3629807 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15224775\charrsid15224775 
\par }\pard \ltrpar\qj \fi-720\li2160\ri521\widctlpar\tx426\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin2160\itap0\pararsid3629807 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15224775\charrsid8214674 (c) }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid8454530\charrsid8214674 \'85\'85\'85\'85\'85\'85\'85.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15224775\charrsid15224775 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15224775\charrsid8214674 (d) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8454530\charrsid8214674 \'85\'85\'85\'85\'85\'85\'85}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid15224775\charrsid15224775 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15224775\charrsid8214674 (e) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8454530\charrsid8214674 \'85\'85\'85\'85\'85\'85\'85.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid15224775\charrsid15224775 
\par }\pard \ltrpar\qj \fi-720\li2160\ri521\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin2160\itap0\pararsid3629807 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15224775\charrsid15224775 
\par }\pard \ltrpar\qj \fi-270\li1710\ri521\widctlpar\tx426\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1710\itap0\pararsid3629807 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid15224775\charrsid8214674 (f) }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \b\f0\fs24\insrsid15224775\charrsid15224775 exercise all other rights, powers and remedies that a mortgagee or owner has at law in relation to the property}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15224775\charrsid15224775 .
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3629807 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15224775\charrsid15224775 
\par }\pard \ltrpar\qj \fi-720\li720\ri-46\sa160\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin-46\lin720\itap0\pararsid12402500 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15224775\charrsid8214674  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid6190430\charrsid8214674 13.\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10884068\charrsid8214674 The plaintiff and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13779961 late Hasmat Ali}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10884068\charrsid8214674  by their covenants }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7684241\charrsid8214674 in Clause }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13779961 6}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7684241\charrsid8214674 .2 conferred }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8454530\charrsid8214674 on }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7684241\charrsid8214674 
the plaintiff the power to demand for immediate payment of money}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8454530\charrsid8214674 ; and to take p}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1720619\charrsid8214674 
ossession of the mortgaged property and to exercise all rights, powers and remedies that a mortgagee has at law. The court should enforce these positive covenants made on voluntary agreement between the parties.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8454530\charrsid8214674  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1720619\charrsid8214674  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6190430\charrsid8214674 In addition, the plaintiff and }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid13779961 late Hasmat Ali}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6190430\charrsid8214674  agreed in Clause 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13779961 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid6190430\charrsid8214674 .3 that, the plaintiff has all the rights, powers and remedies available to the plaintiff as mortgagee under the Property Law Act Cap 130, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13779961 
and the Mortgage to prevail in case of inconsistency between Mortgage and covenants and powers and conditions }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2062383 implied into Mortgages under Property Law Act.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13779961  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6190430\charrsid8214674  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2062383 
\par }\pard \ltrpar\qj \fi-720\li720\ri-43\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin-43\lin720\itap0\pararsid12402500 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2062383 
\par }\pard \ltrpar\qj \fi-720\li720\ri-46\sa160\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin-46\lin720\itap0\pararsid12402500 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid476266\charrsid8214674 14.\tab }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2062383 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2062383\charrsid8214674 he plaintiff as the mortgagee in this matter, has the contractual powe
r under Clause 5.2 of the Mortgage to take possession of the subject property; the statutory powers under section 75 of the Property Law Act Cap 13; and on top them, has the long-established proprietary right at common law as owner of the legal estate to 
go into possession of the mortgaged property.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2062383 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10418 15.\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid476266\charrsid8214674 In }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid476266\charrsid8214674 
Australia and New Zealand Banking Group Limited v. Amit Kumar and Another}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid476266\charrsid8214674  [2003] FLR 1, Singh J said}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7945634\charrsid8214674 
 at page 3 that:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid476266\charrsid8214674 
\par }\pard \ltrpar\qj \li1440\ri521\sa160\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1440\itap0\pararsid12402500 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7945634\charrsid8214674 
Hence the mortgagee in the present case has its contractual powers under the mortgage t
o take proceedings for ejectment, the statutory powers under the Property Law Act and its powers under common law to enter into possession. These powers have not been negatived by the mortgag}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid9992896\charrsid8214674 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3553694\charrsid8214674 . The mortgagee therefore entitled to the possession.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7945634\charrsid8214674 
\par }\pard \ltrpar\qj \fi-720\li720\ri-46\sa160\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin-46\lin720\itap0\pararsid12402500 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10418 16.\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5466197\charrsid8214674 
It is a well-established rule that, if the debt has not been actually paid, the Court will not, at any rate, interfere to deprive the mortgagee of the benefit of his security, unless an equivalent safeguard is provided to him, by bringing in an amount suf
ficient to meet what is claimed by the mortgagee to be due}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7232083  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2782199 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7232083 see: }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid2782199\charrsid2782199 Inglis v Commonwealth Trading Bank of Australia}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid2782199\charrsid2782199  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2782199\charrsid2782199 [1972] HCA 74; (1972) 126 CLR 161 (28 April 1972)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2782199 ].}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid338978\charrsid8214674 
W D Calanchini J (as he then was) held in }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid338978\charrsid338978 Housing Authority v Delana}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid338978\charrsid338978  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid338978\charrsid338978 [2010] FJHC 277; HBC283.2006 (30 April 2010)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid338978\charrsid8214674  that:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid338978 
\par }\pard \ltrpar\qj \li1440\ri521\sa160\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1440\itap0\pararsid12402500 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2307292\charrsid8214674 
This Court has long held the view that failing payment into Court of the amount sworn by the Mortgagee as due and owing under the Mortgage, no restraint should be placed on the exercise of the Mortgagee\rquote s powers of sale under the mortgage (see}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13970696  }{\rtlch\fcs1 \ab\ai\af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid2307292\charrsid8214674 Westpac Banking Corporation Ltd \endash v- Adi Mahesh Prasad (1999) 45 FLR 1}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid2307292\charrsid8214674 ;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13970696  }{\rtlch\fcs1 \ab\ai\af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid2307292\charrsid8214674 NBF Asset Management Bank \endash 
v- Kolinio Bulivakanua and Selina Mau Bulibakarua}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13970696  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2307292\charrsid8214674 
Civil Action No. 97 of 1999 unreported decision of Byrne J (as he then was) delivered on 30 November 1999;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13970696  }{\rtlch\fcs1 \ab\ai\af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\ul\insrsid2307292\charrsid8214674 NBF Asset Management Bank \endash v- Donald Thomas Pickering and Eileen Pickering}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13970696  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2307292\charrsid8214674 Civil Action No. 170 of 1999 unreported decision of Byrne J (as he then was) delivered on 19 May 2000 and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13970696  }{\rtlch\fcs1 \ab\ai\af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\ul\insrsid2307292\charrsid8214674 NBF Asset Management Bank \endash v- Naipote Vere and Another}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13970696  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2307292\charrsid8214674 
Civil Action No. 323 of 2001 delivered 10 November 2003 unreported per Scott J).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4610116  (Emphasis is original).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid338978\charrsid4610116 
\par }\pard \ltrpar\qj \fi-720\li720\ri-46\sa160\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin-46\lin720\itap0\pararsid12402500 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11404212 17.\tab }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid10418 The loan secured by the Mortgage in this case, admittedly, remains unsettled. The Estate failed to comply with the default notices sent by the plaintiff.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2307292\charrsid8214674  As }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10418 such}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2307292\charrsid8214674 , this court cannot
 interfere to deprive the plaintiff of the benefits of its security. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1006525\charrsid8214674 
The plaintiff also moved the court for an order preventing the defendant from removing any improvement to the subject property in a way }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4610116 so as to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1006525\charrsid8214674  deplete the value of the property. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2307292\charrsid8214674  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1332555\charrsid8214674 Buckley LJ in }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid1332555\charrsid8214674 Western Bank Limited v. Schindler}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1332555\charrsid8214674  [1976] 2 All ER 393 said at page 396 that:}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13763924\charrsid8214674 
\par }\pard \ltrpar\qj \li1440\ri521\sb100\sa100\sbauto1\saauto1\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1440\itap0\pararsid12402500 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4536787\charrsid8214674 
A legal mortgagee\rquote 
s right to possession is a common law right which is an incident of his estate in the land. It should not, in my opinion, be lightly treated as abrogated or restricted. Although it is perhaps most commonly exercised as a preliminary step to an exercise of
 the mortgagee\rquote s power of sale, so that the sale may be made with vacant possession, this is not its only value to the mortgagee. The mortgagee may wish to protect his security: see }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid4536787\charrsid8214674 Ex parte Wickens}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid4536787\charrsid8214674 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4536787\charrsid8214674 
. If, for instance, the mortgagor were to vacate the prope
rty, the mortgagee might wish to take possession to protect the place from vandalism. He might wish to take possession for the purpose of carrying out repairs or to prevent waste. Where the contractual date for repayment is so unusually long delayed as it
 was in this case, a power of this nature to protect his security might well be regarded as of particular value to the mortgagee.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf1\insrsid4536787\charrsid8214674 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb100\sa100\sbauto1\saauto1\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12402500 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf1\insrsid11404212 18.\tab }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf1\insrsid4536787\charrsid8214674 The above dictum of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4536787\charrsid8214674 
Buckley LJ clearly recognizes the right of the mortgagee to protect the security and prevent it from being vandalized and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9067017  or}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4536787\charrsid8214674  wasted. The underlying rationale is to maintain the value of the mortgaged property in order to recover all the amount due under the mortgage. The}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid6449808\charrsid6449808  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6449808\charrsid8214674 Halsbury\rquote s Laws of England }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6449808 (4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\insrsid6449808\charrsid10172541 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6449808  Edition) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6449808\charrsid8214674 Volume }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid6449808 32 states in}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6449808\charrsid8214674  paragraph}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6449808  559 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5381204\charrsid8214674 
that, the power of the mortgagor while in the possession to exercise all the rights of ownership is subject to limitation that, he may not diminish the security so as to render it insufficient. Waste by a mortgagor in possession for example by felling }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid876183\charrsid8214674 
timber or pulling down a house will be restrained by injunction on proof that, the security is being deficient, or after order for foreclosure without such proof. Accordingly, the plaintiff is entitled for an order by this court }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid2520619\charrsid8214674 restraining the defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11862303\charrsid8214674  and or h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11360342 er}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid11862303\charrsid8214674  family members and or agents and or servants and employees}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2520619\charrsid8214674 
 from removing any improvement to the subject property in a way so as to deplete its value.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4536787\charrsid8214674 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3629807 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11404212 19.\tab }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid2520619\charrsid8214674 In result, I make the following orders:
\par }\pard \ltrpar\qj \fi-720\li1440\ri0\sb100\sa100\sbauto1\saauto1\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid12402500 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2520619\charrsid8214674 a.\tab 
the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7481721\charrsid8214674 defendant and or h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11413935 er}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7481721\charrsid8214674 
 agent and or servant and or all h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6894659 er}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7481721\charrsid8214674 
 family members are to deliver the vacant possession of the subject property to the plaintiff immediately,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2520619\charrsid8214674 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7481721\charrsid8214674 b.\tab the defendant and or h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11413935 er}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7481721\charrsid8214674 
 agent and or servant and or all h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6894659 er}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7481721\charrsid8214674 
 family members are restrained from removing the improvement of the subject property in a way so as to deplete its value}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6642583\charrsid8214674 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7481721\charrsid8214674 
\par c.\tab the police assistance is granted for execution of writ and for peaceful handing over of possession of the su}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6642583\charrsid8214674 bject property to the plaintiff, and }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid7481721\charrsid8214674 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6642583\charrsid8214674 d.\tab the defendant should pay a summarily assessed cost in sum of $ 2,000 to the plaintiff within a month from today.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf1\insrsid6642583\charrsid8214674 
\par }\pard \ltrpar\qc \fi-720\li720\ri0\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid15409266 {\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \f0\fs27\cf1\insrsid4536787\charrsid8214674 
\par }\pard\plain \ltrpar\s15\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11093257 \cbpat8 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\insrsid1461768\charrsid15409266 U.L.Mohamed Azhar
\par Master of the High Court}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid1461768 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid11093257\charrsid15409266 
\par }\pard\plain \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11093257 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\insrsid1461768\charrsid8214674 At Lautoka
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid11413935 05}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid16662693\charrsid8214674 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid11413935 03}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\insrsid16662693\charrsid8214674 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid1461768\charrsid8214674 202}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid11413935 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7546794\charrsid8214674 
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