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{\title ATUNAISA KALOUMAIRA & MAKELESI KALOUMAIRA v NBF ASSET MANAGEMENT BANK}{\author maltungtung_l}{\operator blake_r}{\creatim\yr2009\mo10\dy16\hr15\min20}{\revtim\yr2010\mo4\dy6\hr15\min59}{\version25}{\edmins429}{\nofpages3}{\nofwords1375}
{\nofchars7841}{\*\company scims}{\nofcharsws9198}{\vern24689}}\paperw11907\paperh16840\margl0\margr0\margt0\margb0 \widowctrl\ftnbj\aenddoc\noxlattoyen\expshrtn\noultrlspc\dntblnsbdb\nospaceforul\subfontbysize\hyphcaps0\formshade\horzdoc\dghspace120
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\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}\pard\plain \qr \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid9465885 \fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\fs24\lang2057\langfe1033\langnp2057\insrsid11996753\charrsid15554322 [2000] 1 FLR 30}{\fs24\lang2057\langfe1033\langnp2057\insrsid11996753 
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15807182 {\fs24\lang2057\langfe1033\langnp2057\insrsid15807182\charrsid15554322 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid11996753 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid9465885 IN THE }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid11996753 HIGH COURT OF FIJI
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid4199929 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid11996753 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid11996753 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid9465885 ATUNAISA KALOUMAIRA
\par &
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid7825427 MAKELESI KALOU}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid7825427 MAIRA}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid11996753 
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid4199929 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid11996753 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid11996753 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid6060580 v}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid11996753 
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid4199929 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid11996753 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid11996753 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid7825427 NBF ASSET MANAGEMENT BANK
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid4199929 {\fs24\lang2057\langfe1033\langnp2057\insrsid7825427 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid5406512 High Court Civil Jurisdiction}{\fs24\lang2057\langfe1033\langnp2057\insrsid1795807 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 Shameem, J
\par 7 February, 2000}{\fs24\lang2057\langfe1033\langnp2057\insrsid1795807 
\par HBC}{\fs24\lang2057\langfe1033\langnp2057\insrsid9465885  }{\fs24\lang2057\langfe1033\langnp2057\insrsid1795807 595}{\fs24\lang2057\langfe1033\langnp2057\insrsid6060580 /}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 99
\par 
\par }{\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753 Striking}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid1599146\charrsid11996753  }{\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753 out}{
\i\fs24\lang2057\langfe1033\langnp2057\insrsid11996753\charrsid11996753  }{\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753 -}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid11996753\charrsid11996753  }{
\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753 whether statement of Claim discloses reasonable cause of}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid1599146\charrsid11996753  }{
\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753 action - whether plaintiff can amend claim to include negligence}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid11996753\charrsid11996753  }{
\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753 - whether Consumer Credit Act applies with retrospective application to mortgages and notices of demand - Consumer Credit A}{
\i\fs24\lang2057\langfe1033\langnp2057\insrsid9384351\charrsid11996753 ct s80; High Court Rules O}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid6189754 .18 r.}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753 18(1)(a).
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
\par The plaintiff borrowed $25,000 from defendant for car loan}{\fs24\lang2057\langfe1033\langnp2057\insrsid15623274 , sec}{\fs24\lang2057\langfe1033\langnp2057\insrsid9465885 ured by bill of sale over land c}{
\fs24\lang2057\langfe1033\langnp2057\insrsid9384351 ruiser registration no. E 3315 (later CL 946)}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
 and registered mortgage over property at 295 Mead Road prior to Consumer Credit Act coming into force. Demand served subsequent to Act being
 in force. An interim injunction restraining mortgagee sale was dissolved. The plaintiff sought to amend pleadings to disclose negligence but was unable to because of lack of particulars from the defendant.
\par 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid9384351 Held }{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid11996753  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 The plaintiff may have an arguable case in respect of applicability of the Consumer Credit Act to mortgages. No grounds for the court to strike out the plaintif}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929 f}{\fs24\lang2057\langfe1033\langnp2057\insrsid9465885 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 s claim.
\par 
\par Leave granted to plaintiff to amend Statement of Claim within 21 days.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4216149 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4216149 Cases referred to in Decision
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15623274 c}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753 ons }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid5406512 Dyson v Attorney-General}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753  (1911) 1 KB 414
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15623274 c}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753 ons }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid5406512 Drummond-Jackson v British Medical Association}{
\fs24\lang2057\langfe1033\langnp2057\insrsid9465885  (1970) 1 WLR 688}{\fs24\lang2057\langfe1033\langnp2057\insrsid4216149\charrsid11996753 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15623274 f}{\fs24\lang2057\langfe1033\langnp2057\insrsid4216149\charrsid11996753 ol}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753 l }{
\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid5406512 Wenlock v Malomy}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753  (1965) 1 WLR 1238
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15623274 c}{\fs24\lang2057\langfe1033\langnp2057\insrsid4216149\charrsid11996753 on}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753 s}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4216149\charrsid11996753  }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid5406512 Addis v Crocker}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753  (1960) 1 QB 87
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15623274 d}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753 ist }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid5406512 R v Secretary of State for the Home Department ex}
{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid11996753\charrsid5406512  }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid5406512 parte Mundowa}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753  (1992) 3 All ER 607

\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15623274 c}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753 ons }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid6189754\charrsid6189754 r}{
\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid5406512 e a Solicitors Clerk}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753  (1957) 3 All ER 617
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4216149 
\par }{\i\fs24\lang2057\langfe1033\langnp2057\insrsid4216149\charrsid15623274 Apaitia Seru }{\fs24\lang2057\langfe1033\langnp2057\insrsid4216149 fo}{\fs24\lang2057\langfe1033\langnp2057\insrsid11996753 r the plaintiffs}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4216149 
\par }{\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid15623274 William Clarke}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929  for the defendant
\par 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid14228735 7 February 2000.}{\fs24\lang2057\langfe1033\langnp2057\insrsid11996753 
\par 
\par }\pard \qc \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid11996753 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid14228735 DECISION}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid14228735 
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid4199929 {\fs24\lang2057\langfe1033\langnp2057\insrsid14228735 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12811532\charrsid12811532 Shameem}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid12811532 , J}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid14228735 .
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid12811532 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid14228735 This is an application by the Defendant }{\fs24\lang2057\langfe1033\langnp2057\insrsid12811532 to strike out the statement of}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid14228735  claim on the ground that it discloses no reasonable cause of action. It is made under Order 18 Rule 18(1}{\fs24\lang2057\langfe1033\langnp2057\insrsid4006651 )}{
\fs24\lang2057\langfe1033\langnp2057\insrsid8547471\charrsid14228735 (}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid14228735 a) of the High Court Rules 1988.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid12811532 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid14228735 The Statement of Claim indorsed on the writ of summons filed on 16 December 1999 clai
ms that the Plaintiff borrowed $25,000 from the Defendant in March 1992 referred to the statement of claim as "the car loan." The loan was}{\fs24\lang2057\langfe1033\langnp2057\insrsid12811532  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 secured by a Bill of Sale of a Toyota Land Cruiser Registration No. E 3315 (later CL 946) and a registered mortgage over property at 295 Mead Road.
\par 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid12811532\charrsid13567777 On 4}{\fs18\lang2057\langfe1033\super\langnp2057\insrsid12811532\charrsid4006651 th}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid13567777 
 October 1999 the Defendant demanded payment of all money due on the Plaintiff}{\fs24\lang2057\langfe1033\langnp2057\insrsid4006651 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid13567777 
s loan account, amounting to $31,265.04, giving the Plaintiff seven days from the date of service for payment failing which the Defendant would exercise powers of sale.}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid12811532 
\par On 27}{\fs18\lang2057\langfe1033\super\langnp2057\insrsid12811532\charrsid4006651 th}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
 November 1999 the Defendant advertised the sale on 295 Mead Road, and Toyota Land Cruiser CL 946. An inter}{\fs24\lang2057\langfe1033\langnp2057\insrsid12811532 im injunction restraining sale}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 was}{\fs24\lang2057\langfe1033\langnp2057\insrsid12811532  dissolved by this Court on 17}{\fs18\lang2057\langfe1033\super\langnp2057\insrsid12811532\charrsid4006651 th}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929  January 2000.}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid11996753\charrsid4199929 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 The Plaintiff in the body of the Statement of Claim alleges negligence on the part of the Defendant in the restructuring of the car loan. Ho}{
\fs24\lang2057\langfe1033\langnp2057\insrsid6248182 wever the only relief sought is}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 -
\par 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid12811532 {\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 "(a)}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 A Declaration that the Defendant Bank is in breach of the provisions}{\fs24\lang2057\langfe1033\langnp2057\insrsid1190399  of the Consumer Credit Act, No.}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929  15 of 1999 and that the seizure and advertisements for sale of Toyota Land Cruiser CL 946 and Crown Lease No. 2627 situated at 295 Mead Road Suva are null and void;}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929 
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid11996753 {\fs24\lang2057\langfe1033\langnp2057\insrsid11996753\charrsid4199929 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid12811532 {\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid13052201 (b) General damages to be assessed;
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid11996753 {\fs24\lang2057\langfe1033\langnp2057\insrsid11996753\charrsid13052201 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid12811532 {\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid13052201 (c) }{\fs24\lang2057\langfe1033\langnp2057\insrsid12811532\charrsid13052201 Costs of}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid13052201  this action;
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid11996753 {\fs24\lang2057\langfe1033\langnp2057\insrsid11996753\charrsid13052201 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid12811532 {\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid13052201 (d) Any relief or order which the Court deems just;
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid11996753 {\fs24\lang2057\langfe1033\langnp2057\insrsid11996753\charrsid13052201 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid12811532 {\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid13052201 (e) Interest on all sums claimed to the date of settlement."}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid4199929 {\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
\par The application to strike o}{\fs24\lang2057\langfe1033\langnp2057\insrsid1443098 ut was heard in Chambers on 27}{\fs18\lang2057\langfe1033\super\langnp2057\insrsid1443098\charrsid4006651 th}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929  January 2000. Mr W}{\fs24\lang2057\langfe1033\langnp2057\insrsid4006651 .}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
 Clarke for the Defendant submitted that the Plaintif}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929 f}{\fs24\lang2057\langfe1033\langnp2057\insrsid4006651 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
s claim relied entirely on the Consumer Credit Act 1999.}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929  }{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
He submitted that the Bill of Sale and mortgage in this case had been entered into well before date on which the Act came into force, and that the Act did not have retrospective effect. He said this was so even though the Notice of
 Demand was issued after the Act came into effect, because the Act must be deemed not to have retrospective effect.
\par 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid16730533 Mr A. Seru for the Plaintiff submitted that the Act applied to all Notices of Demand issued after May 1999. He further said that he wished 
to amend the Statement of Claim claiming an alternative ground of negligence, but had been}{\fs24\lang2057\langfe1033\langnp2057\insrsid11996753\charrsid16730533  }{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid16730533 
unable to do so because the Defendant had failed to supply the Plaintiff with}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929  a copy of his 1992 loan account figures. He asked the court to exercise its discretion 
to order amendment instead of allowing this application.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid1443098 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 Order 18 Rule 18(1)}{\fs24\lang2057\langfe1033\langnp2057\insrsid1443098 (a}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 ) provides as follows:
\par 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid1443098 {\fs24\lang2057\langfe1033\langnp2057\insrsid15623274 "}{\fs24\lang2057\langfe1033\langnp2057\insrsid1443098 (1) }{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 The Court may at any stage of the proceedings order to be struck out or amended any pleading or the indorsement of a
ny writ in the action, or anything in any pleading or in the indorsement, on the ground that -
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid4199929 {\fs24\lang2057\langfe1033\langnp2057\insrsid3874733 
\par }\pard \ql \li1440\ri0\nowidctlpar\faauto\adjustright\rin0\lin1440\itap0\pararsid16730533 {\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 (a)}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 it discloses no reasonable cause of action or defence, as the case may be;}{\fs24\lang2057\langfe1033\langnp2057\insrsid2703679 "}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid4199929 {\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
\par In }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid15623274 Dyson -v- Attorney-General}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929  (1911) 1 KB 414 it was held that this rule ought 
not to be applied in matters involving serious investigations of ancient law and questions of general importance. Moreover the Court will not permit}{\fs24\lang2057\langfe1033\langnp2057\insrsid11996753  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 the Plaintiff to be "driven from the judgment seat" unless the cause of action was obviously and almost incontestably bad.
\par 
\par In }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid15623274 Drummond-Jackson -v- British Medical Association}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
 (1970) 1 WLR 688, Lord Pearson said that a reasonable cause of action means a cause of action with some chance of success when only the allegations in the pleading are considered. This is
 so even if the particulars disclose some cause of action. The fact that a case is weak and will probably not succeed is not a ground for striking out (}{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid15623274 Wenlock}{
\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid10842332  }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid15623274 -v- }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid409251 Malomy}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid409251  (1965) 1 WLR 1238}{\fs24\lang2057\langfe1033\langnp2057\insrsid11996753\charrsid409251 )}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid409251 .}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
\par 
\par In }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid15623274 Addis -v- Crocker}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
 (1960) 1 QB 87, it was held that even when an action was statute-barred, striking-out was not the proper procedure, an application for the trial of a preliminary issue being the correct remedy.}{\fs24\lang2057\langfe1033\langnp2057\insrsid10842332  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 Alternatively, in a very clear case, the Defendant can apply to strike out on the ground that the claim is frivolous, vexatious and an abuse of the process of the Court (}{
\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid15623274 Riches -v- Director of Public Prosecutions}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929  (1973) 1 WLR 1019).
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4468694 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 In this case the Defendant}{\fs24\lang2057\langfe1033\langnp2057\insrsid9465885 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
s application rests on a submission that the Consumer Credit Act 1999 has no application to Notices of }{\fs24\lang2057\langfe1033\langnp2057\insrsid4468694 Demand issued after May 1999, if}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929  the mortgage/bill of sale was entered into before May 1999. The}{\fs24\lang2057\langfe1033\langnp2057\insrsid4468694  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 Defendant says that applicability of the Act to mortgages executed before May 1999, would be to offend the presumption against retrospectivity.
\par 
\par However in }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid15623274 R -v- Secretary of State for the Home Department ex parte}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid14434963\charrsid15623274  }{
\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid14434963\charrsid15623274 Mundowa}{\fs24\lang2057\langfe1033\langnp2057\insrsid14434963  (}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 1992) 3 A}{
\fs24\lang2057\langfe1033\langnp2057\insrsid11996753 ll}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929  ER 607 Staughton LJ said at page 612 in relation to the presumption against retrospectivity of the application of statutes:

\par 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14434963 {\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
".... the presumption does not necessarily apply merely because some of the facts on which the statute operates will have occurred before it was passed. It is easy to think of examples. Suppose that a st
atute enacted that all persons reaching the age of 21 should be liable to two years military service. Could an unwilling conscript argue that it applied only to persons born - or more plausibly, conceived - after the passing of the Act? .... It would be a
bsurd if the presumption against retrospectivity applied in every case where any single fact relevant to the operation of the statute occurred before it was passed."
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid4199929 {\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
\par }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid15623274 In re a Solicitors Clerk}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929  (1957) 3 All ER 617 the Law Society made an order that a solicitor}{
\fs24\lang2057\langfe1033\langnp2057\insrsid9465885 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
s clerk who had been convicted of larceny before the enactment of the Solicitors (Amendment) Act 1956, should not be employed by any solicitor without the written permission of the Law Society. The Law Society was empowered to make the order under the 19
56 Act. The clerk argued that the Act could not have retrospective effect. Lord Goddard CJ said at p.619 -
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid14434963 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14434963 {\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
"In my opinion, however, this Act is not in truth retrospective. It enables an order to be made disqualifying a person from acting as a solicitor}{\fs24\lang2057\langfe1033\langnp2057\insrsid9465885 '}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 s}{\fs24\lang2057\langfe1033\langnp2057\insrsid14434963  }{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
clerk in the future and what happened in the past is the cause or reason for the making of the order; but the order has no retrospective effect. It would be retrospective if the Act provided that anything done before the Act came into force or before the 
o
rder was made should be void or voidable or if a penalty were inflicted for having acted in this or any other capacity before the Act came into force or before the order was made. This Act simply enables a disqualification to be imposed for the future whi
ch in no way affects anything done by the appellant in the past. Accordingly, in ou}{\fs24\lang2057\langfe1033\langnp2057\insrsid14434963 r opinion the disciplinary comm}{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 
ittee had jurisdiction to make the order complained of and the appeal fails."
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid4199929 {\fs24\lang2057\langfe1033\langnp2057\insrsid14434963 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 In this case the Plaintiff has at least an arguable case that th
e Act, whilst it does not apply to execution of mortgages before May 1999, does apply to notices of demand, and the exercise of }{\fs24\lang2057\langfe1033\langnp2057\insrsid14434963 powers of sale under section 80 }{
\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 of the Act, dated after May 1999. He can argue that the applicability of section 80 to mortgages executed before May 1999, does not on its own, give the legislation retrospective effect.

\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid14434963 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 On the grounds therefore, that this is not a claim that is clearly and "incontestably" bad, I refuse this application. The Plaintiff wishes to amend the Statement o
f Claim. Leave is granted to do so within 21 days.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid14434963 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid4199929 The Defendant is to pay the Plaintiff costs of this application, which I set at $50.00.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid14434963 
\par }{\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid11996753 Application refused and leave to amend allowed.}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid4199929 
\par }\pard \qr \li0\ri0\nowidctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15807182 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid4199929\charrsid71950 Marie Chan
\par }}