{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff31507\deff0\stshfdbch31505\stshfloch31506\stshfhich31506\stshfbi0\deflang2057\deflangfe2057\themelang5129\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}
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{\fhimajor\f31502\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}
{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}
{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}
{\f40\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times};}{\f41\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}{\f43\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}
{\f44\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}{\f45\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}{\f46\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times};}
{\f47\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}{\f48\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}{\f50\fbidi \fswiss\fcharset238\fprq2 Arial CE{\*\falt Helvetica};}
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{\f55\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew){\*\falt Helvetica};}{\f56\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic){\*\falt Helvetica};}{\f57\fbidi \fswiss\fcharset186\fprq2 Arial Baltic{\*\falt Helvetica};}
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{\f384\fbidi \froman\fcharset162\fprq2 Cambria Math Tur;}{\f387\fbidi \froman\fcharset186\fprq2 Cambria Math Baltic;}{\f388\fbidi \froman\fcharset163\fprq2 Cambria Math (Vietnamese);}
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{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}
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{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}
{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times};}{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}
{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}
{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times};}
{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}{\fhimajor\f31528\fbidi \froman\fcharset238\fprq2 Cambria CE;}
{\fhimajor\f31529\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}{\fhimajor\f31531\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\fhimajor\f31532\fbidi \froman\fcharset162\fprq2 Cambria Tur;}
{\fhimajor\f31535\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}{\fhimajor\f31536\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times};}
{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}
{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}
{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times};}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}
{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times};}
{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}
{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}
{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times};}{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}
{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times};}
{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}
{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}
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{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}
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{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times};}{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}
{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}
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\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13311539 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid6764685\charrsid5467516 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6764685 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid13311539 \hich\af0\dbch\af31505\loch\f0 
SARWAN SINGH}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid5467516 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6764685 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6764685\charrsid8933461 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6764685 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid8933461 \hich\af0\dbch\af31505\loch\f0 v.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6764685 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6764685\charrsid8933461 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6764685 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid13311539 \hich\af0\dbch\af31505\loch\f0 
SALOTE VIBOTE}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid5467516 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6764685 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6764685\charrsid8933461 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6764685 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid8933461 \hich\af0\dbch\af31505\loch\f0 
[SUPREME COURT, 1968 (Moti Tikaram Ag. P.J.), 1st April, 20th May]}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11801316 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11801316\charrsid8933461 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6764685 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid8933461 \hich\af0\dbch\af31505\loch\f0 
Appellate Jurisdiction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11801316 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11801316\charrsid8933461 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid10840909 \hich\af0\dbch\af31505\loch\f0 
Moneylending-promissory notes sole security-procedure required-authentication o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6764685\charrsid10840909 \hich\af0\dbch\af31505\loch\f0 f copy by lender-positive act of}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid10840909 \hich\af0\dbch\af31505\loch\f0  authentication necessary-Moneylenders Ordinance (Cap. 207-1955) ss.16 (1) (4), 18. Moneylending-burden of proof-proof of
\hich\af0\dbch\af31505\loch\f0  compliance with section 16 of Moneylenders Ordinance (Ca}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid10840909\charrsid10840909 \hich\af0\dbch\af31505\loch\f0 
p. 207-1955)-section pleaded in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid10840909 \hich\af0\dbch\af31505\loch\f0 defence-Moneylenders Act 1927 (17 & 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid10840909\charrsid10840909 \hich\af0\dbch\af31505\loch\f0 8 Geo. 5, c.21}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid11801316\charrsid10840909 
\hich\af0\dbch\af31505\loch\f0 ) (Imperial) s.6.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11801316\charrsid6764685 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid10840909 \hich\af0\dbch\af31505\loch\f0 
In an action by a moneylender to recover moneys lent, once non-compliance with section 16 of the Moneylenders Ordinance is pleaded as a defence, the burden of proving compliance with the section (except, perhaps, as regards proof that the note or memorand
\hich\af0\dbch\af31505\loch\f0 u\hich\af0\dbch\af31505\loch\f0 m was not signed before the money was lent) is on the p}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6764685\charrsid10840909 \hich\af0\dbch\af31505\loch\f0 
arty seeking to enforce the con}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid10840909 \hich\af0\dbch\af31505\loch\f0 tra}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid11801316\charrsid10840909 \hich\af0\dbch\af31505\loch\f0 ct, that is to say, the lender.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid11801316\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid10840909 \hich\af0\dbch\af31505\loch\f0 Where a moneylender lends solely on the security of a promissory note, which constitutes the contra
\hich\af0\dbch\af31505\loch\f0 ct, the following procedure is required to comply with section 16 of the Ordinance }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11801316\charrsid10840909 \loch\af0\dbch\af31505\hich\f0 
\endash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid11801316\charrsid10840909 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid6832403 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid10840909 \hich\af0\dbch\af31505\loch\f0 
(1) That the lender or his agent shall countersign the promissory}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11801316\charrsid10840909 \hich\af0\dbch\af31505\loch\f0  note executed by the borrower.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid13311539\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid10840909 \hich\af0\dbch\af31505\loch\f0 (2) That an authenticated copy of such promissory note shall be delivere\hich\af0\dbch\af31505\loch\f0 d to the borro}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11801316\charrsid10840909 \hich\af0\dbch\af31505\loch\f0 wer by the lender or his agent.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid13311539\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid10840909 \hich\af0\dbch\af31505\loch\f0 (3) That such delivery shall be}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid11801316\charrsid10840909 \hich\af0\dbch\af31505\loch\f0  made before the money is lent.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid10840909 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid8933461\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid14502077 \hich\af0\dbch\af31505\loch\f0 
Semble: This construction of section 16 may produce the result that the borrower is made to acknowledge receipt of the money before th}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11801316\charrsid14502077 
\hich\af0\dbch\af31505\loch\f0 e money is \hich\af0\dbch\af31505\loch\f0 in fact lent to him.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid14502077 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid11801316\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid14502077 \hich\af0\dbch\af31505\loch\f0 
Authentication of a promissory note implies some positive act upon the part of the person charged with the duty of authenticating it, whereby he attests or certifies to the document's authenticity. It is not sufficient merely to prove
\hich\af0\dbch\af31505\loch\f0  that a copy of the note}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11801316\charrsid14502077 \hich\af0\dbch\af31505\loch\f0  was delivered to the borrower.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid14502077 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid11801316\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid14502077 \hich\af0\dbch\af31505\loch\f0 
Appeal from a judgment of the Magistrate's Court in an action by a moneylender. The judgment is reported only insofar as it relates to questions arising under section 16}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid11801316\charrsid14502077 \hich\af0\dbch\af31505\loch\f0  of the Moneylenders Ordinance.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid14502077 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid11801316\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid14502077 \hich\af0\dbch\af31505\loch\f0 R. D. Mishra}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid14502077 
\hich\af0\dbch\af31505\loch\f0  for th}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11801316\charrsid14502077 \hich\af0\dbch\af31505\loch\f0 e appellant.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid14502077 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11801316\charrsid14502077 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid11801316\charrsid14502077 \hich\af0\dbch\af31505\loch\f0 M. T. Khan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11801316\charrsid14502077 
\hich\af0\dbch\af31505\loch\f0  for the respondent.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid14502077 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11801316\charrsid14502077 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid1794283 \hich\af0\dbch\af31505\loch\f0 The facts suffici}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11801316\charrsid1794283 
\hich\af0\dbch\af31505\loch\f0 ently appear from the judgment.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid1794283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid11801316\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid1794283 \hich\af0\dbch\af31505\loch\f0 MOTI TIKARAM J. (in part): [20th May, 1968]-
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid8067725\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid1794283 \hich\af0\dbch\af31505\loch\f0 This is an appeal from the decision of }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid13567529\charrsid1794283 \hich\af0\dbch\af31505\loch\f0 the First Class Magistrate deli}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid1794283 
\hich\af0\dbch\af31505\loch\f0 vered at the Magistrate's Court, Nadi on the 8th November, 1967. The Appellant, who was the original Plaintiff, has lodged the f}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid11486169\charrsid1794283 \hich\af0\dbch\af31505\loch\f0 ollowing two grounds of appeal:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid1794283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid11486169\charrsid10840909 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\tx450\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7082161 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid1794283 
\hich\af0\dbch\af31505\loch\f0 "l. That the learned trial Magistrate erred in law and in fact in holding that ther\hich\af0\dbch\af31505\loch\f0 e was not one shred of evidence that a copy of the contract (that is the promissory note) was ever given by th
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11486169\charrsid1794283 \hich\af0\dbch\af31505\loch\f0 e money-lender to the borrower.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid1794283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid11486169\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15999731 \hich\af0\dbch\af31505\loch\f0 2. That the learned trial Magistrate misdirected himself in holding that there was no evidence that copies of the
\hich\af0\dbch\af31505\loch\f0  promissory notes were ever given by the moneylender to the borrower when there was sufficient endorsement at the back of the promissory notes evidencing delivery of the copies of the said promissory notes to the borrower}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid14419665\charrsid15999731 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15999731 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid14419665\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15999731 \hich\af0\dbch\af31505\loch\f0 The Plaintiff therefore prays as\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid11486169\charrsid15999731 \hich\af0\dbch\af31505\loch\f0 follows:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15999731 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid11486169\charrsid10840909 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\tx450\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7082161 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15999731 
\hich\af0\dbch\af31505\loch\f0 (a) that the judgment entered against the Appellant-Plaintiff be set aside and judgment be entered in fav}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid15999731\charrsid15999731 
\hich\af0\dbch\af31505\loch\f0 our of the Appellant-Plaintiff.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15999731 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid15999731\charrsid15999731 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15999731 \hich\af0\dbch\af31505\loch\f0 (b) alternatively t}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid15999731\charrsid15999731 \hich\af0\dbch\af31505\loch\f0 hat this case be heard de novo.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15999731 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid15999731\charrsid15999731 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15999731 \hich\af0\dbch\af31505\loch\f0 (c) that the Appellant-Plaintiff may have such other or\hich\af0\dbch\af31505\loch\f0  further relief as to this Hono}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid15999731\charrsid15999731 \hich\af0\dbch\af31505\loch\f0 urable Court shall seem meet."}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15999731 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid8933461\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15999731 \hich\af0\dbch\af31505\loch\f0 As I see it, the second ground of appeal is a mere elaboration}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid7948559\charrsid15999731 \hich\af0\dbch\af31505\loch\f0  of ground one of the Petition.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15999731 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid7948559\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15999731 \hich\af0\dbch\af31505\loch\f0 The Respondent (original Defendant) has cross appealed on the ground "that the learned trial Magis
\hich\af0\dbch\af31505\loch\f0 trate erred in law in not holding that having regard to the evidence adduced by the Appellant-Plaintiff the Appellant-Plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid12083030 
\hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15999731 \hich\af0\dbch\af31505\loch\f0 
s claim was unenforceable by reason of his failure to comply with the mandatory provisions of Sections 16 and 18 of the Money-le}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7948559\charrsid15999731 
\hich\af0\dbch\af31505\loch\f0 n\hich\af0\dbch\af31505\loch\f0 ders Ordinance."}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15999731 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid7948559\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15870756 \hich\af0\dbch\af31505\loch\f0 
The Respondent also gave notice that he will argue at the hearing of the appeal that the decision of the trial Magistrate be affirmed in all respects and that the Plaintiff-Appellant do pay the co}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid7948559\charrsid15870756 \hich\af0\dbch\af31505\loch\f0 sts of appeal and cross-appeal.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15870756 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid7948559\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15870756 \hich\af0\dbch\af31505\loch\f0 At the he\hich\af0\dbch\af31505\loch\f0 aring of the appeal the Appellant withdrew his prayer th}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7948559\charrsid15870756 \hich\af0\dbch\af31505\loch\f0 at the action be heard de novo.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15870756 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid7948559\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15870756 \hich\af0\dbch\af31505\loch\f0 \hich\f0 
The Appellant in this case is a moneylender. On three separate occasions he made advances to the Respondent totalling \'a3\loch\f0 158.8.2 on the security of three separate promis\hich\af0\dbch\af31505\loch\f0 sory}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid13567529\charrsid15870756 \hich\af0\dbch\af31505\loch\f0  notes. When he sued the Respon}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15870756 
\hich\af0\dbch\af31505\loch\f0 dent for the recovery of the loan monies the Defendant contested the claim and filed an Affidavit of Defence material }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid15870756\charrsid15870756 
\hich\af0\dbch\af31505\loch\f0 parts of which read as follows:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid15870756 -
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7948559\charrsid15870756 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\tx450\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7082161 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid3736218 
\hich\af0\dbch\af31505\loch\f0 l. That I am the above}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid15870756\charrsid3736218 \hich\af0\dbch\af31505\loch\f0 named Defendant in this action.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid3736218 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid15870756\charrsid3736218 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid3736218 \hich\af0\dbch\af31505\loch\f0 2. That I admi\hich\af0\dbch\af31505\loch\f0 \hich\f0 
t drawing a Promissory Note on or about the 25th August, 1962 for the sum of \'a3\loch\f0 \hich\f0 24.0.0. The said sum of \'a3\loch\f0 24.0.0. is made up as follows:-
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid685062 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid3736218 
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts37\trgaph108\trleft176\trftsWidth3\trwWidth6004\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid685062\tbllkhdrrows\tbllkhdrcols\tbllknocolband
\tblind284\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx2177\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx4178\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2002\clshdrawnil \cellx6180\pard\plain \ltrpar
\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid8933461\yts37 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid685062\charrsid3736218 \hich\af0\dbch\af31505\loch\f0 (i)\cell \hich\af0\dbch\af31505\loch\f0 Cash lent to me\cell \loch\af0\dbch\af31505\hich\f0 \'a3\loch\f0 20.0.0\cell 
}\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid685062\charrsid10840909 \trowd \irow0\irowband0\ltrrow
\ts37\trgaph108\trleft176\trftsWidth3\trwWidth6004\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid685062\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind284\tblindtype3 \clvertalt\clbrdrt\brdrtbl 
\clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx2177\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx4178\clvertalt
\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2002\clshdrawnil \cellx6180\row \ltrrow}\pard\plain \ltrpar
\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid8933461\yts37 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid685062\charrsid3736218 \hich\af0\dbch\af31505\loch\f0 (ii)\cell \hich\af0\dbch\af31505\loch\f0 Agreed interest\cell \loch\af0\dbch\af31505\hich\f0 \'a3\loch\f0 4.0.0\cell 
}\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid685062\charrsid10840909 \trowd \irow1\irowband1\ltrrow
\ts37\trgaph108\trleft176\trftsWidth3\trwWidth6004\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid685062\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind284\tblindtype3 \clvertalt\clbrdrt\brdrtbl 
\clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx2177\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx4178\clvertalt
\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2002\clshdrawnil \cellx6180\row \ltrrow}\pard\plain \ltrpar
\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid8933461\yts37 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid685062\charrsid3736218 \cell \cell \loch\af0\dbch\af31505\hich\f0 \'a3\loch\f0 24.0.0\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid685062\charrsid10840909 \trowd \irow2\irowband2\lastrow \ltrrow
\ts37\trgaph108\trleft176\trftsWidth3\trwWidth6004\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid685062\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind284\tblindtype3 \clvertalt\clbrdrt\brdrtbl 
\clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx2177\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx4178\clvertalt
\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2002\clshdrawnil \cellx6180\row }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid1713015\charrsid3736218 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid15601108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid1713015\charrsid3736218 \hich\af0\dbch\af31505\loch\f0 
3. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid3736218 \hich\af0\dbch\af31505\loch\f0 \hich\f0 That I have repaid the said sum of \'a3\loch\f0 24.0.0 in \hich\af0\dbch\af31505\loch\f0 
cash to the Plaintiff on or abo}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7948559\charrsid3736218 \hich\af0\dbch\af31505\loch\f0 ut the month of December, 1962.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid3736218 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid7948559\charrsid10840909 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid15601108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7275608\charrsid3736218 \hich\af0\dbch\af31505\loch\f0 
4. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid3736218 \hich\af0\dbch\af31505\loch\f0 \hich\f0 That I admit drawing a Promissory Note on or about the 23rd June, 1964 for the sum of \'a3\loch\f0 
70.0.0. The said sum of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3736218\charrsid3736218 \hich\af0\dbch\af31505\loch\f0 \hich\f0  \'a3\loch\f0 70.0.0 is made up as follows:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid3736218 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid8933461\charrsid10840909 
\par \ltrrow}\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid8933461\yts37 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid15601108\charrsid4590481 \hich\af0\dbch\af31505\loch\f0 (i)\cell 
\hich\af0\dbch\af31505\loch\f0 Cash lent to me\cell \loch\af0\dbch\af31505\hich\f0 \'a3\loch\f0 50.0.0\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 
\af31507\afs22\alang1025 \ltrch\fcs0 \fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid15601108\charrsid10840909 
\trowd \irow0\irowband0\ltrrow\ts37\trgaph108\trleft176\trftsWidth3\trwWidth6004\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid13381189\tbllkhdrrows\tbllkhdrcols\tbllknocolband
\tblind284\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx2177\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx4178\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2002\clshdrawnil \cellx6180\row \ltrrow}\pard\plain \ltrpar
\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid8933461\yts37 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid15601108\charrsid4590481 \hich\af0\dbch\af31505\loch\f0 (ii)\cell \hich\af0\dbch\af31505\loch\f0 Agreed inter\hich\af0\dbch\af31505\loch\f0 est\cell 
\loch\af0\dbch\af31505\hich\f0 \'a3\loch\f0 20.0.0\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid15601108\charrsid10840909 \trowd \irow1\irowband1\ltrrow
\ts37\trgaph108\trleft176\trftsWidth3\trwWidth6004\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid13381189\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind284\tblindtype3 \clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx2177\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx4178
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2002\clshdrawnil \cellx6180\row \ltrrow}\pard\plain \ltrpar
\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid8933461\yts37 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid15601108\charrsid4590481 \cell \cell \loch\af0\dbch\af31505\hich\f0 \'a3\loch\f0 70.0.0\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid15601108\charrsid10840909 \trowd \irow2\irowband2\lastrow \ltrrow
\ts37\trgaph108\trleft176\trftsWidth3\trwWidth6004\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid13381189\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind284\tblindtype3 \clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx2177\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx4178
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2002\clshdrawnil \cellx6180\row }\pard \ltrpar
\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\ul\lang2057\langfe5129\highlight7\langnp2057\insrsid7275608\charrsid10840909 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid13381189 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7275608\charrsid4590481 \hich\af0\dbch\af31505\loch\f0 
5. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4590481 \hich\af0\dbch\af31505\loch\f0 \hich\f0 That I have repaid the said sum of \'a3\loch\f0 70.0.0 in cash to the Plaintiff on or abo}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7948559\charrsid4590481 \hich\af0\dbch\af31505\loch\f0 ut the month of December, 1964.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4590481 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7948559\charrsid4590481 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid3420114 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7275608\charrsid4590481 \hich\af0\dbch\af31505\loch\f0 
6. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4590481 \hich\af0\dbch\af31505\loch\f0 \hich\f0 That I admit drawing a Promissory Note on or about the 24th March, 1965 for the sum of \'a3\loch\f0 \hich\f0 
20.0.0. The said sum of \'a3\loch\f0 20\hich\af0\dbch\af31505\loch\f0 .0.0 is made up as follows:-
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16451423 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid8933461\charrsid10840909 
\par \ltrrow}\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid8933461\yts37 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3420114\charrsid4590481 \hich\af0\dbch\af31505\loch\f0 (i)\cell 
\hich\af0\dbch\af31505\loch\f0 Cash lent to me\cell }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid12846393\charrsid4590481 \loch\af0\dbch\af31505\hich\f0 \'a3\loch\f0 17.0.0}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid3420114\charrsid4590481 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid3420114\charrsid10840909 \trowd \irow0\irowband0\ltrrow
\ts37\trgaph108\trleft176\trftsWidth3\trwWidth6004\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid16451423\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind284\tblindtype3 \clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx2177\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx4178
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2002\clshdrawnil \cellx6180\row \ltrrow}\pard\plain \ltrpar
\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid8933461\yts37 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid12846393\charrsid4590481 \hich\af0\dbch\af31505\loch\f0 (ii)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3420114\charrsid4590481 \cell }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid12846393\charrsid4590481 \hich\af0\dbch\af31505\loch\f0 Agreed interest}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3420114\charrsid4590481 \cell 
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid12846393\charrsid4590481 \hich\af0\dbch\af31505\loch\f0 3.0.0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3420114\charrsid4590481 \cell 
}\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid3420114\charrsid10840909 \trowd \irow1\irowband1\ltrrow
\ts37\trgaph108\trleft176\trftsWidth3\trwWidth6004\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid16451423\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind284\tblindtype3 \clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx2177\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx4178
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2002\clshdrawnil \cellx6180\row \ltrrow}\pard\plain \ltrpar
\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid8933461\yts37 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid12846393\charrsid4590481 \cell \cell \loch\af0\dbch\af31505\hich\f0 \'a3\loch\f0 20.0.0\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid12846393\charrsid10840909 \trowd \irow2\irowband2\lastrow \ltrrow
\ts37\trgaph108\trleft176\trftsWidth3\trwWidth6004\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid16451423\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind284\tblindtype3 \clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx2177\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2001\clshdrawnil \cellx4178
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2002\clshdrawnil \cellx6180\row }\pard \ltrpar
\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid15931611 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid8933461\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7275608\charrsid4590481 \hich\af0\dbch\af31505\loch\f0 7. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4590481 
\hich\af0\dbch\af31505\loch\f0 \hich\f0 That I have repaid the said sum of \'a3\loch\f0 20.0.0 in cash to the Plaintiff on or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7948559\charrsid4590481 
\hich\af0\dbch\af31505\loch\f0  about the month of June, 1965.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4590481 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid7948559\charrsid10840909 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid15931611 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7275608\charrsid5471164 \hich\af0\dbch\af31505\loch\f0 
8. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid5471164 \hich\af0\dbch\af31505\loch\f0 That I deny that I am indebted to the Plainti\hich\af0\dbch\af31505\loch\f0 \hich\f0 ff in the sum of \'a3\loch\f0 158.
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7948559\charrsid5471164 \hich\af0\dbch\af31505\loch\f0 8.2 or in any other sum at all.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid5471164 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7948559\charrsid5471164 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid15931611 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7275608\charrsid5471164 \hich\af0\dbch\af31505\loch\f0 
9. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid5471164 \hich\af0\dbch\af31505\loch\f0 That the particulars of claim do not show the true particulars of the transactions be}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid12133720\charrsid5471164 \hich\af0\dbch\af31505\loch\f0 tween the Plaintiff and myself.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid5471164 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid12133720\charrsid10840909 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid15931611 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7275608\charrsid5471164 \hich\af0\dbch\af31505\loch\f0 
10. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid5471164 \hich\af0\dbch\af31505\loch\f0 That in the alternative I say that}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid13567529\charrsid5471164 \hich\af0\dbch\af31505\loch\f0  the present claim is unenforce}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid5471164 
\hich\af0\dbch\af31505\loch\f0 able on the\hich\af0\dbch\af31505\loch\f0 
 grounds that the Plaintiff has not kept regular books of account and he has not complied with the provisions of Section (16) and (18) of the Moneylenders Ordinance (Cap. 207). Consequently the Plaintiff is not entitled to enforce any claim against me.

\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid8933461\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid5471164 \hich\af0\dbch\af31505\loch\f0 At\hich\af0\dbch\af31505\loch\f0 
 the trial the Appellant-Plaintiff gave evidence and he was cross-examined at length. The Respondent-De}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid13567529\charrsid5471164 \hich\af0\dbch\af31505\loch\f0 
fendant's Counsel called no evi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid5471164 \hich\af0\dbch\af31505\loch\f0 
dence and was content to rest on his submission that the Promissory Notes were unenforceable. He argued that the three pro\hich\af0\dbch\af31505\loch\f0 missory notes produced as exhibits did not comp}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid3670913\charrsid5471164 \hich\af0\dbch\af31505\loch\f0 ly with Section 16 of the Money}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid5471164 
\hich\af0\dbch\af31505\loch\f0 lenders Ordinance. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid13240686 \hich\af0\dbch\af31505\loch\f0 
In particular he argued that there was no evidence that the lender gave authenticated copies of the promissory notes to the borrower and even if there was evid\hich\af0\dbch\af31505\loch\f0 ence that he o}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid7275608\charrsid13240686 \hich\af0\dbch\af31505\loch\f0 n each occasion did give a copy}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3670913\charrsid13240686 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid13240686 \hich\af0\dbch\af31505\loch\f0 
of the promissory note there was no evidence that the copies were delivered before monies were lent. He also cited cases in support of his contention that the accounts kept by the lender are not "regular accoun\hich\af0\dbch\af31505\loch\f0 
t of each loan" as required by Section 18}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid12133720\charrsid13240686 \hich\af0\dbch\af31505\loch\f0  of the Moneylenders Ordinance.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid13240686 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid12133720\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid733135 \hich\af0\dbch\af31505\loch\f0 
The Appellant-Plaintiff was not cross-examined as to whether he gave an authenticated copy of the promissory note on each occasion before the money was lent. On the other hand the Ap\hich\af0\dbch\af31505\loch\f0 
pellant-Plaintiff although aware that noncompliance with the provisions of Sections 16 and 18 was being pleaded by way of defence chose not to ask, at any stage, for any particulars as to non-compliance. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid11758859\charrsid733135 \hich\af0\dbch\af31505\loch\f0 Sections 16 and 18 of the Money}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid733135 
\hich\af0\dbch\af31505\loch\f0 lenders Ordinance wer\hich\af0\dbch\af31505\loch\f0 e specifi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid12133720\charrsid733135 \hich\af0\dbch\af31505\loch\f0 
cally mentioned in the Defence.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid733135 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid12133720\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid733135 \hich\af0\dbch\af31505\loch\f0 As the learned trial Magistrate's judgment was not a very long one it can be usefully repeated here. It reads as follows:-

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid7627596\charrsid10840909 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\tx450\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7082161 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7082161 \hich\af0\dbch\af31505\loch\f0 "}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid16466704 \hich\af0\dbch\af31505\loch\f0 This is a claim by a Money Lender, Sarwan Singh to recover certain moneys due as principa\hich\af0\dbch\af31505\loch\f0 
l and interest under three promissory notes given by }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid16466704\charrsid16466704 \hich\af0\dbch\af31505\loch\f0 the Defendant to the Plaintiff.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid16466704 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7627596\charrsid16466704 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid16466704 \hich\af0\dbch\af31505\loch\f0 It is for the Plaintiff to prove that }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid3767362\charrsid16466704 \hich\af0\dbch\af31505\loch\f0 he is entitled to recover this}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid16466704 
\hich\af0\dbch\af31505\loch\f0  money, and being a licensed Money Lender under the Moneylenders Ordinance he must prove that he has \hich\af0\dbch\af31505\loch\f0 
compiled with the requirements of the Ordinance and, in particular with the provisions of Section 16. The Court has been referred to "The Law relating to Moneylenders" 4th Edition by Rt. Hon. Lord Meston. At page 104 that author states, referring to the s
\hich\af0\dbch\af31505\loch\f0 i\hich\af0\dbch\af31505\loch\f0 milar provision (Section 6) of the Money-lenders Act 1927:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid16466704\charrsid16466704 -}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid16466704 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid7162645\charrsid10840909 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\tx450\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7082161 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid16466704 
\hich\af0\dbch\af31505\loch\f0 "As s.6 renders it necessary that both the borrower and the moneylender should do certain things, it is material to inquire into the question of the burden of proof in regard to such things. It i
\hich\af0\dbch\af31505\loch\f0 s submitted that there is no presumption that the requirements of s.6 have been fulfilled; in every case it must be proved by the person seeking t}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid3767362\charrsid16466704 \hich\af0\dbch\af31505\loch\f0 o enforce the contract (who is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid16466704 
\hich\af0\dbch\af31505\loch\f0  usually the moneylender in the f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid13567529\charrsid16466704 \hich\af0\dbch\af31505\loch\f0 irst instance) that the require}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid16466704 \hich\af0\dbch\af31505\loch\f0 ments of the abo\hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid16466704\charrsid16466704 \hich\af0\dbch\af31505\loch\f0 e section have been fulfilled."}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid16466704 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid7162645\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid3417896 \hich\af0\dbch\af31505\loch\f0 
Clearly this is so. Under the provisions of Section 16 of the Moneylenders Ordinance (so far as it applies to the facts in this case) no contract for the repayment by a borrower of money lent to him by a moneylender or for\hich\af0\dbch\af31505\loch\f0  t
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid16539508\charrsid3417896 \hich\af0\dbch\af31505\loch\f0 he payment by him of money so }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid3417896 \hich\af0\dbch\af31505\loch\f0 
lent and no security given by the borrower shall be enforceable unless a note or memorandum in writing of the contract in the English language be signed by the parties to the contract, and unless a copy thereof authenticated\hich\af0\dbch\af31505\loch\f0 
 by the lender be }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid13567529\charrsid3417896 \hich\af0\dbch\af31505\loch\f0 delivered to the bor}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid3417896 \hich\af0\dbch\af31505\loch\f0 
rower before the money is lent. The section continues further that no contract or security shall be enforceable if it is proved that the note or memorandum was not sig}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid16539508\charrsid3417896 \hich\af0\dbch\af31505\loch\f0 ned before the money was lent }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid3417896 
\hich\af0\dbch\af31505\loch\f0 or the security given\hich\af0\dbch\af31505\loch\f0 
, and in this regard the burden of proof would rest on the defendant. Subsection (4) of that section provides that where a promissory note in the English language given by a borrower to a money lender in respect of a loan contains in the body of the note 
\hich\af0\dbch\af31505\loch\f0 o\hich\af0\dbch\af31505\loch\f0 r by writing thereon all the terms of the contract and is countersigned by the lender the p}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid13567529\charrsid3417896 \hich\af0\dbch\af31505\loch\f0 romissory note shall be a suffi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid3417896 
\hich\af0\dbch\af31505\loch\f0 cient note or memorandum }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3417896\charrsid3417896 \hich\af0\dbch\af31505\loch\f0 for the purpose of the section.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid8933461\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid7162645\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4199287 \hich\af0\dbch\af31505\loch\f0 In this case three promissory notes were given and all have been produced in\hich\af0\dbch\af31505\loch\f0 
 evidence. All purport to comply with the requirements of the subsection but there is not one shred of evidence that a copy of the contract (that is the promissory note) be it authenticated or not was ever given by the moneylender to the borrower, be it b
\hich\af0\dbch\af31505\loch\f0 e\hich\af0\dbch\af31505\loch\f0 fore or after the giving of the security or the lending of the money. On this ground alone the Plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4199287\charrsid4199287 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4199287 \hich\af0\dbch\af31505\loch\f0 
s claim must fail. Accordingly judgment for the Defendant with costs to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4199287\charrsid4199287 \hich\af0\dbch\af31505\loch\f0  be taxed or assessed . . . . ".}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4199287 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid7162645\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4199287 \hich\af0\dbch\af31505\loch\f0 I shall first deal with the defence based on t\hich\af0\dbch\af31505\loch\f0 
he non-compliance with the provisions of Section 16 of the Moneylenders Ordinance. The material parts of Section 16 of the Moneylen}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4199287\charrsid4199287 
\hich\af0\dbch\af31505\loch\f0 ders Ordinance read as follows:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4199287 -
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid7162645\charrsid10840909 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\tx450\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7082161 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid609204 
\hich\af0\dbch\af31505\loch\f0 16. (1) No contract for the repayment by a borrower or his agent of money lent to him or to\hich\af0\dbch\af31505\loch\f0 
 any agent on his behalf by a money-lender or his agent after the commencement of this Ordinance or for the payment by him of interest on money so lent, and no security given by the borrower or by any such agent as aforesaid in respect of any such contrac
\hich\af0\dbch\af31505\loch\f0 t\hich\af0\dbch\af31505\loch\f0 , shall be enfor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid13567529\charrsid609204 \hich\af0\dbch\af31505\loch\f0 ceable unless a note or memoran}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid609204 \hich\af0\dbch\af31505\loch\f0 
dum in writing of the contract in the English language be signed by the parties to the contract or their respective agents or, in the case of a loan to a partnership firm, by a partner in or agent of the firm,\hich\af0\dbch\af31505\loch\f0 
 and unless a copy thereof authenticated by the lender or his agent be delivered to the borrower or his agent or, in the case of a loan to a partnership firm, to a partner in or agent of the firm, before the money is lent, and no such contra}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3494290\charrsid609204 \hich\af0\dbch\af31505\loch\f0 ct or security \hich\af0\dbch\af31505\loch\f0 shall be enforce}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid609204 \hich\af0\dbch\af31505\loch\f0 able if it is proved that the note or memorandum aforesaid was not so signed before the money was lent or before the securit}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid609204\charrsid609204 \hich\af0\dbch\af31505\loch\f0 y was given as the case may be:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid609204 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid7162645\charrsid10840909 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\tx90\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7082161 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid5651642 
\hich\af0\dbch\af31505\loch\f0 Provided that }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid2427801\charrsid5651642 \loch\af0\dbch\af31505\hich\f0 \endash }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8543868\charrsid5651642 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid5651642 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid2427801\charrsid5651642 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid5651642 \hich\af0\dbch\af31505\loch\f0 (a) where a security is given to secure an immediate loan and sub\hich\af0\dbch\af31505\loch\f0 
sequent loans the security shall be enforceable in respect of any subsequent loan thereby secured if the note or memorandum in respect of such subsequent loan be signed and delivered to the borrower before the money shall }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid2427801\charrsid5651642 \hich\af0\dbch\af31505\loch\f0 be lent;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid5651642 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid2427801\charrsid10840909 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\tx450\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7082161 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4807736 
\hich\af0\dbch\af31505\loch\f0 (b) where a security is \hich\af0\dbch\af31505\loch\f0 given to secure an immediate loan and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid2427801\charrsid4807736 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4807736 \hich\af0\dbch\af31505\loch\f0 
subsequent loans, and the terms both of the immediate loan and of the subsequent loans are set out in the document constituting the security, it shall not be necessary for the note or memorandum in respect of any such \hich\af0\dbch\af31505\loch\f0 
subsequent loan to set out the terms thereof, but a reference in such note or memorandum to the above-mentioned security shall be sufficient for the purposes of this section if the note or memorandum contains the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid15733981\charrsid4807736 \hich\af0\dbch\af31505\loch\f0 particulars referred to in para}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4807736 
\hich\af0\dbch\af31505\loch\f0 graphs (a), \hich\af0\dbch\af31505\loch\f0 (b) and (c) of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid2427801\charrsid4807736 \hich\af0\dbch\af31505\loch\f0 subsection (3) of this section.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4807736 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid2427801\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid7679507 \hich\af0\dbch\af31505\loch\f0 
(4) Where a promissory note in the English language given by a borrower to a moneylender in respect of a loan contains in the body of the note or by writing thereon all the terms of the contract and is counte\hich\af0\dbch\af31505\loch\f0 
rsigned by the lender or his agent, such promissory note shall in itself be a sufficien}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6120476\charrsid7679507 \hich\af0\dbch\af31505\loch\f0 t note or memorandum of the con}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid7679507 \hich\af0\dbch\af31505\loch\f0 tract f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6120476\charrsid7679507 
\hich\af0\dbch\af31505\loch\f0 or the purpose of this section.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid7679507 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid6120476\charrsid10840909 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid7679507 \hich\af0\dbch\af31505\loch\f0 An examination of the promissory notes in question clearly shows that a copy of the promissory not
\hich\af0\dbch\af31505\loch\f0 e was on each occasion received by the Respondent-Defendant who acknowledged in writing at the back of each promissory note the fact of not only receiving a copy of the "within promissory note" but also the amount advanced}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4863767\charrsid7679507 \hich\af0\dbch\af31505\loch\f0 . To this extent, there}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid7679507 \hich\af0\dbch\af31505\loch\f0 fore, the A\hich\af0\dbch\af31505\loch\f0 
ppellant is correct in saying that the learned trial Magistrate erred in law and in fact by holding 'that there was not one shred of evidence that a copy of the contract (i.e. promissory note) be it auth}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid13567529\charrsid7679507 \hich\af0\dbch\af31505\loch\f0 en}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid7679507 \hich\af0\dbch\af31505\loch\f0 
ticated or not was ever given by the Moneylender to\hich\af0\dbch\af31505\loch\f0  the borrower, be it before or after the giving of the security or the lending of the money'.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid2517421\charrsid7679507 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid5793268 \hich\af0\dbch\af31505\loch\f0 
In my view the promissory notes which were tendered by consent and which showed endorsement acknowledging receipt by the borrower of the copy of the promissory no\hich\af0\dbch\af31505\loch\f0 
te, constituted evidence against the Respondent-Defendant to the effect that she was sup}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid13567529\charrsid5793268 \hich\af0\dbch\af31505\loch\f0 plied with a copy of the promis}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid5793268 \hich\af0\dbch\af31505\loch\f0 
sory note on each occasion. It is possible that the trial Magistrate's erroneous approach was due to an oversight on his part. However, t\hich\af0\dbch\af31505\loch\f0 
his does not dispose of the questions (1) Were the copy promissory notes authenticated or not? and (2) Were they given to the borr}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid2517421\charrsid5793268 
\hich\af0\dbch\af31505\loch\f0 ower before the money was lent?}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid8933461\charrsid10840909 
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4801260 \hich\af0\dbch\af31505\loch\f0 In my view if a moneylender lends money solely on the security of a promissory note which con
\hich\af0\dbch\af31505\loch\f0 stitutes the contract then by virtue of the provisions of Section 16 of the Moneylenders Ordinance the following p}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid2517421\charrsid4801260 
\hich\af0\dbch\af31505\loch\f0 rocedure must be compiled with:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4801260 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid2517421\charrsid10840909 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\tx90\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7082161 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4863767\charrsid4801260 
\hich\af0\dbch\af31505\loch\f0 1. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4801260 \hich\af0\dbch\af31505\loch\f0 That the lender or his agent shall countersign the promissory no}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid2517421\charrsid4801260 \hich\af0\dbch\af31505\loch\f0 te executed by the borrower.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4801260 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid2517421\charrsid4801260 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4863767\charrsid4801260 \hich\af0\dbch\af31505\loch\f0 2. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4801260 
\hich\af0\dbch\af31505\loch\f0 That an a\hich\af0\dbch\af31505\loch\f0 uthenticated copy of such promissory note shall be delivered to the borro}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid2517421\charrsid4801260 
\hich\af0\dbch\af31505\loch\f0 wer by the lender or his agent.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4801260 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid2517421\charrsid4801260 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4801260 \hich\af0\dbch\af31505\loch\f0 3. That such deilvery shall be}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid2517421\charrsid4801260 \hich\af0\dbch\af31505\loch\f0  made before the money is lent.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4801260 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4801260 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid2517421\charrsid10840909 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12124880 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4801260 \hich\af0\dbch\af31505\loch\f0 
Bearing in mind the usual wording contained in the body of a promissory note, this cons\hich\af0\dbch\af31505\loch\f0 
truction on Section 16 may produce the curious result that the borrower is made to acknowledge receipt of money before the money is in fact lent to him. It may be that Section 16 of the Money-lenders Ordinance, particularly insofar a}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid15733981\charrsid4801260 \hich\af0\dbch\af31505\loch\f0 s it affects promissory\hich\af0\dbch\af31505\loch\f0  notes, }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4801260 \hich\af0\dbch\af31505\loch\f0 is in need of clarification and streamlining but this is a matter for the Legislature.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\highlight7\langnp2057\insrsid12124880\charrsid10840909 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933461 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid3747350 \hich\af0\dbch\af31505\loch\f0 
There is no evidence in this case that a copy of the promissory note delivered to the borrower on each occasion was an }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid3747350 \hich\af0\dbch\af31505\loch\f0 
authenticated copy}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid3747350 \hich\af0\dbch\af31505\loch\f0 . Authentication implie\hich\af0\dbch\af31505\loch\f0 
s some positive act on the part of the party charged with the duty of authenticating the document in question whereby he attests or certifies as to the document's authenticity. It is not sufficient merely to show or prove that a copy of the "within promis
\hich\af0\dbch\af31505\loch\f0 s\hich\af0\dbch\af31505\loch\f0 ory note" was delivered}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4861038 \hich\af0\dbch\af31505\loch\f0 
. In this particular case it was open to the lender to re}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid15733981\charrsid4861038 \hich\af0\dbch\af31505\loch\f0 quire the production of the copy}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4861038 \hich\af0\dbch\af31505\loch\f0  delivered to the borrower by way of Notice }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid15733981\charrsid4861038 
\hich\af0\dbch\af31505\loch\f0 to Produce to show that the copy}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4861038 \hich\af0\dbch\af31505\loch\f0  delivered to the borrower }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8274653\charrsid4861038 \hich\af0\dbch\af31505\loch\f0 was in fact an authenticated cop}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4861038 
\hich\af0\dbch\af31505\loch\f0 y. This h\hich\af0\dbch\af31505\loch\f0 e failed to do. Nor is there any evidence that the copies of the promissory notes were delivered }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4861038 \hich\af0\dbch\af31505\loch\f0 before}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4861038 \hich\af0\dbch\af31505\loch\f0 
 the monies were lent. Once non-compliance with the provi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8274653\charrsid4861038 \hich\af0\dbch\af31505\loch\f0 sions of Section 16 of the Money}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4861038 \hich\af0\dbch\af31505\loch\f0 lenders Ordinance is pleaded as a def}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid1645761\charrsid4861038 
\hich\af0\dbch\af31505\loch\f0 ence,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid15733981\charrsid4861038 \hich\af0\dbch\af31505\loch\f0  the burden of proving\hich\af0\dbch\af31505\loch\f0  comp}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4861038 \hich\af0\dbch\af31505\loch\f0 liance, (except perhaps as regards proof that the note or }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid13567529\charrsid4861038 \hich\af0\dbch\af31505\loch\f0 memo}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4861038 \hich\af0\dbch\af31505\loch\f0 
randum was not signed before the money was lent) is on the party seeking to enforce the contract, that is to say the lender. The lender having failed to discharge this onus it follows, ther\hich\af0\dbch\af31505\loch\f0 
efore, that he was not entitled to enforce repayment of either the principal or interest by}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4861038\charrsid4861038 \hich\af0\dbch\af31505\loch\f0  suing on the promissory notes.
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4861038 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4863767\charrsid4861038 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid8933461\charrsid4861038 \hich\af0\dbch\af31505\loch\f0 Appeal dismissed.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4863767\charrsid4861038 
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