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\par }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\cf1\lang2057\langfe1033\langnp2057\insrsid423232 AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
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\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 A mortgagor sought to have a receiving order rescinded.\~ He also sought an order preventing a mortgagee from completing a contract of sale of the mortgaged property.\~
 The High Court dismissed the applications.\~ It explained the mortgagee\rquote s duty to act in good faith but HELD: (i) in the absence of evidence of bad faith the Court would not intervene to present completion\~
 of the contract and (ii) the mortgagor not having appealed against the moving of the receiving order as provided by statute, rescission was no longer available.\~
 The Court recommended that the Registrar of Titles immediately advise all those with an interest in the property whenever a caveat is lodged.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
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Breweries Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 
HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%5b1974%5d%201%20NZLR%20497" \\o "View LawCite Record"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 [1974] 1 NZLR 497}}}\sectd \ltrsect
\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 American\~ Cynamid Co v Ethicon Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%5b1975%5d%20AC%20396" \\o "View LawCite Record"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 [1975] AC 396}}}
\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Commercial and General Acceptance Ltd v Nixon}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%5b1981%5d%20HCA%2070" \\o "View LawCite Record"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 
[1981] HCA 70}}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%281983%29%20152%20CLR%20491" \\o "View LawCiteRecord"}}{\fldrslt {
\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 (1983) 152 CLR 491}}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 

\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Cuckmere Brick Co Ltd v Mutual Finance Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 [1971] Ch 949}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 ex parte Goodlet and Smith Investments Pty Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 [1983] 2 Qd. R 792}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Forsyth v Blundell}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%5b1973%5d%20HCA%2020" \\o "View LawCite Record"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 [1973] HCA 20}}}\sectd \ltrsect
\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}
{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%281973%29%20129%20CLR%20477" \\o "View LawCiteRecord"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 (1973) 129 CLR 477}}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 , 483, 494
}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Haddington Island Quarry Co Ltd v Huson}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%5b1911%5d%20AC%20727" \\o "View LawCite Record"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 [1911] AC 727}}}
\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Hawson v Little}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%5b1948%5d%20NZLR%201073" \\o "View LawCite Record"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 [1948] NZLR 1073}}}
\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Inglis & Anr v Commonwealth Trading Bank of Australia}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst 
{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=126%20CLR%20161" \\o "View LawCiteRecord"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 126 CLR 161}
}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Maclead v Jones}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 (1883) 24 Ch 289}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Murad v National Provincial Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 (1966) 198 Estates Gazette 117}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Property and Bloodstock Ltd v Emerton}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 [1968] 1 Ch 94}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 R v Birmingham JJ ex parte Ferrero}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%5b1993%5d%201%20All%20ER%20530" \\o "View LawCiteRecord"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 
[1993] 1 All ER 530}}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 R v Inland Revenue Commissioner ex parte Preston}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%5b1985%5d%20AC%20835" \\o "View LawCite Record"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 
[1985] AC 835}}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Rauzia Mohammed v ANZ Banking Group Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Suva S.C. 323/84}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Re Pile\rquote s Caveat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 [1981] Qd. R 81}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Standard Chartered Bank Ltd v Walker}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%5b1982%5d%201%20WLR%201410" \\o "View LawCite Record"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 
[1982] 1 WLR 1410}}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Uluinayau & Anr v NBF}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \cs16\i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 - HBC 175/1994S}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Warner v Jacob}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 (1882) 2 Ch. D 220, 234}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Warring v London and Manchester Assurance Co}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 [1935] 1 Ch 310}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }\pard \ltrpar\qj \li0\ri0\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid423232 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 Interlocutory applications in the High Court.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 G.P. Lala}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 for the Plaintiff}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 S. Lateef}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 for the Defendant}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Scott J}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 :}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 The Plaintiff has been the registered proprietor of property comprised in Native Lease No. 19898 since 9 December 1987.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 On 5 October 1994 the property was mortgaged by the Plaintiff\~ to the Defendant Bank (the Bank) in consideration of loans and advances.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 On 24 November 1997 after the Defendant defaulted a demand notice was served on him.\~
 The amount claimed was $16,252.07 with interest accruing at the rate of $7.84 per day from 1 November 1997.\~ The Defendant did not respond.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 In December 1997 in exercise of its powers (apparently both contractual and statutory : see}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org/fj/legis/consol_act/pla179/"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 Property Law Act}}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 - Cap 130 - Section 79) the Bank\rquote s solicitors proceeded to advertise the property under mortgagee sale.\~ No tenders were received.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 On 12 September 1998 the property was auctioned, the highest bid received being $18,500.\~
 On 22 October 1998 a sale and purchase agreement was entered into between the Bank and the successful tenderer.\~ On 3 February 1999 the Native Land Trust Board consented to the transfer of the property.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 On 1 March 1999 these proceedings were commenced by Writ.\~
 Paragraph 3 of the Statement of Claim seeks an injunction to restrain the Bank from depriving the Plaintiff of the property by selling or transferring it or entering into any agreement to sell it or transfer it.\~ No Defence has yet been filed.}{
\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 On the same day that the Writ was filed the Plaintiff also filed a Notice of Motion and supporting affidavit.\~
 The only difference between the reliefs sought in the Motion and those sought in the Statement of Claim is the omission of the claim for damages from the former.\~ In addition to the injunction (paragraph (c)) the Plaintiff also seeks:}{\rtlch\fcs1 
\af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }\pard \ltrpar\qj \li567\ri538\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin538\lin567\itap0\pararsid423232 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \'93(a)\~\~\~
 An order that the Defendant do forthwith take all necessary steps to have the Receiving Order rescinded\'94 and}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \'93(b)\~\~\~ An order t
hat the Defendant do accept the debts lawfully owing to it to allow the Plaintiff to redeem the mortgage and pay off the debts and to obtain proper and valid discharge in registerable form.\'94}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 

\par }\pard \ltrpar\qj \li0\ri0\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid423232 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 Although paragraph (b) will be readily understood given the context already set out, paragraph (a) calls for further explanation.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 As is well understood a mortgagee, so long as part of the mortgage debt remains unpaid may pursue any or all of the remedies available to the mortgagee at the same time.\~
 Thus, the mortgagee may concurrently sue for payment on a covenant in the mortgage to pay principal and interest, for possession of the mortgaged property and for foreclosure.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 Doubtless being aware that this is the general position in law the Bank not only exercised its powers of sale but also sued for the amount owed.\~
 On 21 April 1998 Judgment in default of notice of intention to defend was obtained by the Bank against the Defendant for the sum due.\~ The Judgment debt has not been satisfied.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 The Bank then went further: it commenced bankruptcy proceedings against the Plaintiff in the Suva Magistrates\rquote \~ Court (Action No. 210 of 1998s).\~
 It relied on the unsatisfied judgment debt and a bankruptcy notice was issued on 9 June.\~ On 20 July the petition was presented.\~ A copy is Exhibit D to the Plaintiff\rquote s supporting affidavit filed on 1 March.\~
 On 11 September 1998 a receiving order was made.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 The first matter which calls for consideration is the power of this Court to grant the interlocutory reliefs sought.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 So far as prayer (a) is concerned there are, as it seems to me, two objections to such relief being granted at this stage.\~
 The first is that the making of a receiving order by a Magistrates Court under the powers conferred on the Court by Sections 5 and 94 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}
{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org/fj/legis/consol_act/ba142/"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 Bankruptcy Act}}}
\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 
(Cap 48 and see also L.N 65/94) is subject to the right of appeal conferred by Section 100 of the Act.\~ This right must however be exercised within 21 days of the decision against which it is desired to appeal.\~
 The Plaintiff did not avail himself of this statutory right of appeal.\~ It is a general principle of our system of law that where a specific method of questioning a particular activity is provided by statute then that spec
ific method should be adopted and not, without exceptional cause, another (see e.g.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 
R v Inland Revenue Commissioner ex parte Preston}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 
HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%5b1985%5d%20AC%20835" \\o "View LawCite Record"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 [1985] AC 835}}}\sectd \ltrsect
\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 and}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 R v Birmingham JJ ex parte Ferrero}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%5b1993%5d%201%20All%20ER%20530" \\o "View LawCiteRecord"}
}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 [1993] 1 All ER 530).}}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~\~ In my view the Plaintiff cannot now seek the same relief available to him under the appeal procedure provided for by the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org/fj/legis/consol_act/ba142/"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 Bankruptcy Act}}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 by commencing proceedings within the original jurisdiction of the High Court, outside the appeal period.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 The second objection to grantin
g the relief sought in (a) at this stage is that it seems to me that the order sought is not interlocutory but final, that it is not being sought in order to preserve the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 status quo}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 until the rights of the parties have been determined in the action and that therefore it is not within the scope of RHC O 29 as applicable subject to the criteria explained in}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 American\~ Cynamid Co v Ethicon Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%5b1975%5d%20AC%20396" \\o "View LawCite Record"}}{\fldrslt {
\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 [1975] AC 396}}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 .}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 
Turning to paragraph (b) of the motion it appears that what the Plaintiff is seeking is the right to exercise what he must be asserting is a still existent equity of redemption. If granted, this prayer would have the effect of preventing the Bank furth
er exercising its powers of sale, in other words prayer (b) effectively encompasses prayer (c) and therefore the two may be taken together.\~
 Before considering them in depth it must be pointed out that there is in fact no relevant legal nexus at all between relief (a) on the one hand and reliefs (b) and (c) on the other.\~
 I do not know whether the Plaintiff will be able successfully to appeal against his receiving order on the ground that the Bank\rquote s supporting affidavit was factually incorrect but even if h
e is ultimately successful on this issue it can have no bearing at all on his entitlement, if any, to restrain the mortgagee Bank from exercising its powers of sale.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 The Plaintiff says in paragraph 20 of his supporting affidavit that he has \'93been able, willing and ready to redeem the mortgage debt\'94.\~
 Although Westpac Bank was willing to refinance the Plaintiff\rquote s loan (paragraph 9 and Exhibit F) there is no evidence that money has actually been offered to the Bank and neither was there any offer to pay the amount claimed by the Bank into Court.
\~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 On 13 April the Bank filed a reply to the Plaintiff\rquote s affidavit.\~\~\~
 Mr. Griffiths on behalf of the Bank deposed that after the failure of the demand notice served on the Plaintiff to evoke any response\~ the property was advertised \'93on several occasions\'94 in about December 1997.\~
 In the following September the property was auctioned.\~ Following the auction and receipt of only one bid the Bank had \'93numerous telephone discussions with the aim of giving the Plaintiff a last opportunity to redeem the mortgage\'94.\~
 Only when these efforts failed did the Bank accept the bid offered at the auction and proceed to enter into a sale and purchase agreement with the successful bidder.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 Although no reply was filed to the Bank\rquote s affidavit Mr.Lala told me (which the Plaintiff\rquote 
s affidavit did not) that the Plaintiff based his claim for relief on the fact that he had offered the Bank a cheque in full satisfaction of the amount claimed, but that the cheque had been refused, that the sale
 of the property not been handled by the Bank in good faith and that neither the attempted sale nor the auction had been sufficiently advertised.\~ Mr. Lala pointed out that no copies of the advertisements had been exhibited to the Bank\rquote 
s affidavit.\~ Mr. Lala also told me that the successful bidder at the auction was in fact an employee of the Bank.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 In answer to these submissions Mr. Lateef, relying on}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Hawson v Little}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 
HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%5b1948%5d%20NZLR%201073" \\o "View LawCite Record"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 [1948] NZLR 1073}}}\sectd \ltrsect
\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 
submitted that whatever entitlement the Plaintiff might have had to redeem had been lost because of the fact that the Bank had enter
ed into a binding sale and purchase agreement with the bidder; the property had, in other words, already been sold within the meaning of Section 72 (1) of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}
{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org/fj/legis/consol_act/pla179/"}}{\fldrslt {\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \cs15\i\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 Property Law Act
}}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 (Cap 130).\~ He s
tressed that numerous opportunities had been given to the Plaintiff to redeem and argued that even if, which was of course not admitted, the Plaintiff had any cause of action against the Bank then, (citing}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Uluinayau & Anr v NBF}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 - HBC 175/1994S) the Plaintiff could sufficiently be compensated in damages.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 Before concluding his submissions Mr. Lateef raised another matter which must also be dealt with. \~As\~ appears from paragraph 12 of the Plaintiff\rquote 
s affidavit and Exhibit H, a caveat was lodged over the property on 6 January 1998, apparently by the Plaintiff\rquote s wife.\~
 This caveat remains in existence following the refusal of the Registrar of Titles to remove it despite request to do so by the Bank\rquote s solicitors made on 9 March 1999 (Exhibit H2 to the Bank\rquote s affidavit).\~ Mr. Lateef sought the caveat
\rquote s immediate removal.\~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 In discussion with counsel it emerged that the problem of caveats being lodged over property already subject to mortgage was now a serious one.\~
 I was told that the present Registrar of Titles
 (unlike her predecessor) took the view that Section 113 (1) absolutely prevented the transfer by sale of a property subject to a caveat (other then a Section 117 caveat) even when the caveat was lodged subsequent to the registration of a mortgage and tha
t therefore such a transfer could presently only be effected after the caveat had been removed.\~ This had become a problem both for the Banks and other mortgagees and also for the legal profession.\~
 Both Mr. Lala and Mr. Lateef indicated that any guidance that this Court could offer as a means of resolving the difficulty would be welcomed.\~ Mr. Lala most kindly lent me a volume from his own library (which our own does not include) namely}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Caveats}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\cs16\i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 by Colbran & Jackson, Melbourne 1996.\~ I was also referred to a paper \'93
Caveats & Injunctions - Consequences and Effects with respect to Mortgagee sales\'94 delivered by R.R. Douglas QC at the Fiji Law Society Convention in 1998.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 The High Court of Fiji has for many years followed the long established rule that:}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }\pard \ltrpar\qj \li567\ri567\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin567\lin567\itap0\pararsid423232 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \'93the
 mortgagee will not be restrained from exercising his power of sale because the amount due is in dispute or because the mortgagor has begun a redemption action or because the mortgagor objects to the manner in which the sale is being arranged.\~
 He will be restrained however if the mortgagor pays the amount claimed into Court, that is the amount which the mortgagee claims to be due to him.\'94}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }\pard \ltrpar\qj \li0\ri0\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid423232 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }\pard \ltrpar\qj \li567\ri567\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin567\lin567\itap0\pararsid423232 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 
(Halsbury 4th Edn Vol 32, paragraph 725).}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }\pard \ltrpar\qj \li0\ri0\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid423232 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 Among many other authorities in support of this proposition may be cited}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Maclead v Jones}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 
(1883) 24 Ch 289;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Inglis & Anr v Commonwealth Trading Bank of}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs16\ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Australia}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}
{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=126%20CLR%20161" \\o "View LawCiteRecord"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 126 CLR 161}}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 
Rauzia Mohammed v ANZ Banking Group Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 Suva S.C. 323/84.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 Although the rule appears on its face to be absolute it is in fact subject to qualification.\~
 While the power of sale is given to a mortgagee for his own benefit, to enable him the better to realise the debt (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Warner v Jacob}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 (1882) 2 Ch. D 220, 234;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Forsyth v Blundell}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%5b1973%5d%20HCA%2020" \\o "View LawCite Record"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 [1973] HCA 20}}}\sectd \ltrsect
\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}
{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%281973%29%20129%20CLR%20477" \\o "View LawCiteRecord"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 (1973) 129 CLR 477}}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 
, 483, 494) and the mortgagee is not a trustee of the power for the mortgagor yet nevertheless the mortgagee must pay some regard to the interests of the mortgagor.\~ Where their interests conflict the mortgagee is not entitled to act in a 
manner which sacrifices the interests of the mortgagor (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Forsyth v Blundell}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 supra).}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 When exercising a power of sale the mortgagee is required to act in good faith and owes the mortgagor a duty to take reasonable care to obtain a proper price (}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Cuckmere Brick Co Ltd v Mutual Finance Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 [1971] Ch 949;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 
Alexandra v New Zealand Breweries Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 
HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%5b1974%5d%201%20NZLR%20497" \\o "View LawCite Record"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 [1974] 1 NZLR 497}}}\sectd \ltrsect
\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 ).\~ Discharge of this duty requires the pro
perty to be adequately and sufficiently advertised and where an auction takes place it must be held in reasonable conditions (see generally}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 
Commercial and General Acceptance Ltd v Nixon}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 
HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%5b1981%5d%20HCA%2070" \\o "View LawCite Record"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 [1981] HCA 70}}}\sectd \ltrsect
\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}
{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%281983%29%20152%20CLR%20491" \\o "View LawCiteRecord"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 (1983) 152 CLR 491}}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 ;}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Standard Chartered Bank Ltd v}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs16\ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Walker}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}
{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%5b1982%5d%201%20WLR%201410" \\o "View LawCite Record"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 [1982] 1 WLR 1410}}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 ).}{
\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 As has already been seen a mortgagor disputing the amount due rather than the mode of sale is required to pay into Court the
 amount claimed by the mortgagee before the Court will consider\~ restraining the sale but it seems that a mortgagor (upon whom the onus of proof rests -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Haddington Island Quarry Co Ltd v Huson}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9525685 HYPERLINK "http://www.paclii.org.vu/cgi-bin/LawCite?cit=%5b1911%5d%20AC%20727" \\o "View LawCite Record"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 [1911] AC 727}}}\sectd \ltrsect
\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 
) who is seeking to restrain the mortgagee on the grounds of want of good faith or breach of duty of care, need not (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Murad v National Provincial Bank}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 (1966) 198 Estates Gazette 117).}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 It is clear that the Court will only intervene on behalf of a mortgagor to prevent completion of\~
 contract of sale, where it is satisfied that the contract was brought about by want of good faith on the part of the mortgagee (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 
Warring v London and Manchester Assurance Co}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 [1935] 1 Ch 310;}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Property and Bloodstock Ltd v Emerton}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 [1968] 1 Ch 94;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Forsyth v Blundell
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 , supra).\~ On the papers before me I am satisfied there is no evidence of want of good faith or, in other words, dishonesty.\~ Whether Mr. Lala\rquote 
s allegations of insufficient advertising and an unsatisfactory auction will eventually be borne out by further evidence I do not know.\~ If they are, then as already seen, they will}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 prima facie}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 
afford evidence to support a claim by the mortgagor relying on Section 79 (3) of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 H
YPERLINK "http://www.paclii.org/fj/legis/consol_act/pla179/"}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs15\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 Property Law Act}}}\sectd \ltrsect
\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 .\~
 I am satisfied however that these allegations are quite insufficient to warrant interference by this Court at this stage.\~ In the circumstances therefore prayers (b) and (c) of the motion also fail.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 There remains the matter of the caveat.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 On page 15 of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Caveats}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 
Colburn & Jackson quote another work namely Woodman & Nettle\rquote s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 
The Torrens System in New South Wales}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 and observe that:}{\rtlch\fcs1 \af0\afs27 
\ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }\pard \ltrpar\qj \li567\ri538\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin538\lin567\itap0\pararsid423232 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \'93
Generally the system of caveats worked reasonably well over the years but there were increasing complaints ... that abuse of the system was beginning to discredit it.\~ The main areas of complaint were that:}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }\pard \ltrpar\qj \li0\ri0\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid423232 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }\pard\plain \ltrpar\s17\ql \fi-1134\li1701\ri822\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin822\lin1701\itap0\pararsid423232 \cbpat8 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~\~\~\~\~\~\~\~\~ 1.\~\~\~\~\~ persons who had no interest in the land lodged caveats for oppressiv
e and other reasons;}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~\~\~\~\~\~\~\~\~ 2.\~\~\~\~\~
 the caveator often did not give sufficient information about the circumstances from which the alleged interest in the land arose; and}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~\~\~\~\~\~\~\~\~ 3.\~\~\~\~\~ the caveat almost invariably prohibited all dealings with the 
land- this included dealings which the caveator was not entitled to forbid,}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \cs16\fs27\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \ai\af0\afs27 \ltrch\fcs0 
\i\fs27\cf1\lang2057\langfe1033\langnp2057\insrsid423232 such as dealing with a prior registered mortgage}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \'94 (emphasis added).}{\rtlch\fcs1 \af0\afs27 
\ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }\pard\plain \ltrpar\qj \li0\ri0\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid423232 \cbpat8 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 Quoting from Lindsay:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Caveats against Dealings in Australia and New Zealand}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \cs16\i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Federation Press 1995 p 21 R.R. Douglas QC notes that:}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }\pard \ltrpar\qj \li567\ri538\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin538\lin567\itap0\pararsid423232 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \'93
the Torrens title legislation has been amended to ensure that the holders of unregistered subsequent securities are in no better position than the holders of registered subsequent securities in the event that a first mortgagee exercises the power of sale
\'94.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }\pard \ltrpar\qj \li0\ri0\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid423232 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 
Although the amendments in the various Australian jurisdictions are not uniform they all provide that a transfer from a mortgagee exercising the power of sale is an exception to the prohibition against dealings contained in a caveat.}{\rtlch\fcs1 
\af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 One example of such an amendment which I find to be simple and straightforward is Section 136 (2) of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Real Property Act}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \cs16\i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 of the Northern Territory which reads as follows:}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }\pard \ltrpar\qj \li567\ri567\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin567\lin567\itap0\pararsid423232 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \'93
(2) the registration of a transfer by a mortgagee or encumbrancee}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \cs16\i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 exercis
ing power of sale conferred by this Act is not prevented by a caveat or an instrument that has effect as a caveat where the caveat or the instrument relates to an estate, interest or right to which the mortgage or encumbrance}{\rtlch\fcs1 \ai\af0 
\ltrch\fcs0 \cs16\i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 has priority and, upon registration of the transfer -}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }\pard \ltrpar\qj \li0\ri0\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid423232 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }\pard \ltrpar\qj \fi-1134\li1701\ri851\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin851\lin1701\itap0\pararsid423232 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 (a)\~\~\~\~
 any such caveats;}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 (b)\~\~\~\~ the registration of any such instrument that has effect as a caveat;}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }\pard \ltrpar\qj \li0\ri0\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid423232 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }\pard \ltrpar\qj \li567\ri567\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin567\lin567\itap0\pararsid423232 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 
shall be deemed to have been cancelled\'94.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }\pard \ltrpar\qj \li0\ri0\sb15\sa15\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid423232 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 Section 136 (1) of the Northern Territory Act is the equivalent of our own Section 72 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org/fj/legis/consol_act/lta141/"}}{\fldrslt {\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\cs15\i\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 Land Transfer Act}}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\cs16\i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 
(Cap 131) while the prohibition against registering a transfer of land subject to a caveat is to be found, as has already been noted, in Section 113.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 In his paper Mr. Douglas examined the situation in Fiji.\~
 He concluded that as the law presently stands the Registrar of Titles is entitled to require a caveat subsequent to a registered mortgage to be removed before the mortgagee, following exercise of its power
s of sale, could seek transfer of the land to the new purchaser.\~ With respect, I agree.\~ Mr. Douglas recommended that the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org/fj/legis/consol_act/lta141/"}}{\fldrslt {\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \cs15\i\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 Land Transfer Act}}}\sectd \ltrsect
\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 
be amended to deal with the problem}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \cs16\i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 and again, with respect I agree.\~
 But I am not sure that the present problem cannot quite effectively be dealt with, at least on an interim basis without amending the law.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 As I see it, amendment of the law along the lines of Section 136 (2) or along the lines of Section 124 (2) (c) of the Queensland}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Land Title Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 
1994 suggested by Mr. Douglas would do little more than enact a rule which is already recognised by the Courts namely that an interest created by a mortgagor cannot prevail over the statutory right of\~ the mortgagee to exercise its powers of sale.}{
\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 
Mere statutory recognition of a received rule of law would not of itself solve the practical difficulties which would continue to arise where caveats, the lodgement of which could not be justified, continue in fact to be lodged.\~
 Such lodgements would impose on the Registrar of Titles the onerous new duty of deciding whether any particular caveat fell into the category covered by the exception while the mortgagee would continue to remain unaware that such a caveat ha
d been lodged in the absence of a provision requiring notice of lodgement of such a caveat to be given to him.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 In my opinion the practical answer is to be found in a simple amendment to Section 109 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org/fj/legis/consol_act/lta141/"}}{\fldrslt {\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\cs15\i\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 Land Transfer Act}}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 .}{
\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 
Under Section 109 (1) the Registrar, upon receipt of a caveat is required to give notice of receipt to the registered proprietor of the land in respect of which the caveat has been lodged.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 Under Section 109 (2) the Registered proprietor or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 any other person having an interest in the land}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 may apply the Court by summons to have the caveat removed.\~ The Court than considers\~ the nature of the caveat and the justification or otherwise for its lodgement and proceeds to make w
hatever order is just in the circumstances.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 
The weakness of the Section as it stands is that although notice of a newly lodged caveat has to be given to the proprietor, such notice does not have to be given to the mortgagee who may remain unaware of the 
existence of the caveat until exercise of the powers of sale is well advanced.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 In my view Section 109 (1) should be amended to require notice of the lodgement of a caveat to be given not only to the registered proprietor but also to any other person 
having a registered interest in the land.\~ This will enable early application for the removal of the caveat to be made.\~
 In my opinion it should be the Court, and not the Registrar, which decides whether a particular caveat is of such a character as to warrant the prevention of transfer.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 It is of course, not for this Court to decide if or how the law should be amended, it can only make recommendations.\~
 There is however much to be said for the Registrar immediately adopting a policy of advising not only a proprietor but also other interested parties of the lodgement of a new caveat.\~
 The Court will then be in a position to decide to remove the caveat if such a decision is warranted.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 In the present case the caveat was lodged by the mortgagor in his wife\rquote s name.\~
 No grounds for lodging it have been advanced other than by the mortgagor who in his affidavit states that he lodged the caveat \'93to protect my interest\'94.\~ Without going into the question of whether the Plaintiff mortgagor\rquote 
s wife is in a position to assert a caveatable interest as opposed to a mere personal equity (see}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 ex parte Goodlet and Smith Investments Pty Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\lang2057\langfe1033\langnp2057\insrsid423232 [1983] 2 Qd. R 792;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf1\lang2057\langfe1033\langnp2057\insrsid423232 Re Pile
\rquote s Caveat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 [1981] Qd. R 81) I have alrea
dy reached the conclusion that the mortgagor\rquote s evidence falls far short of successfully impeaching the mortgagee\rquote s conduct of this sale and accordingly I am satisfied that the caveat cannot stand.\~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 
\fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 Although no summons as such was filed by the Mortgagee Bank within the terms of Section 109 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9525685 HYPERLINK "http://www.paclii.org/fj/legis/consol_act/lta141/"}}{\fldrslt {\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\cs15\i\ul\cf2\lang2057\langfe1033\langnp2057\insrsid423232 Land Transfer Act}}}\sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15289215\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs16\cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 I am also satisfied that the parties have had ample opportunity to argue the matter fully before me and that I can fairly adjudicat
e on the question of the caveat in the present proceedings.\~ I order its removal forthwith.}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\lang2057\langfe1033\langnp2057\insrsid423232 \~}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf1\lang2057\langfe1033\langnp2057\insrsid423232 (Applications dismissed.)}{\rtlch\fcs1 \af0\afs27 \ltrch\fcs0 \fs27\cf1\insrsid423232 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1972231 
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