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application}{\i\fs24\lang2057\langfe1033\cgrid0\langnp2057\insrsid12590090\charrsid6442401 : that the Defendant is not indebted to the Plaintiff in the amount claimed, why the Defendant is not so indebted, the real nature of the defence relied on, facts providing the basis for an objection must be attested to and the point of law clearly stated - High Court Rules O.14 rr.2(1), 2(2), 3(1), 4(1), 4(2), O.18 r.11; Guarantee Bailment and Indemnity Act \par }\pard\plain \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 \fs24\lang3081\langfe3081\cgrid\langnp3081\langfenp3081 {\lang2057\langfe3081\cgrid0\langnp2057\insrsid12590090\charrsid6442401 \par }{\lang2057\langfe3081\cgrid0\langnp2057\insrsid12590090\charrsid6442401 The Plaintiff }{\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 sues the Defendant on a guarantee. The Defendant proposed 3}{ \lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 }{\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 defences: there was confusion as to which lawyers represented the Plaintiff when the backing sheet stated Young & Associates but the indorsement said Gordon & Co, that demand was not served, although there was insufficient information as to whether it was received, and that the Defendant requested a copy of the guarantee, which was not supplied when the Defendant}{\lang2057\langfe3081\langnp2057\insrsid6442401 '}{\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 s solicitors already had a copy of the guarantee. The Court found that the affidavit material of a litigation clerk failed to verify the factual claims in the proposed Statement of Defence: the alleged misrepresentation, t he incorrect particulars of debt, the inadequate advertising, and the sale at an undervalue, and failed to establish the Defendant}{\lang2057\langfe3081\langnp2057\insrsid6442401 '}{\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 s bona fides. The Defendant failed to demonstrate that this was not a straight-forward case of a bank calling up its guarantee. }{\lang2057\langfe3081\cgrid0\langnp2057\insrsid12590090\charrsid6442401 \par \par }{\b\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 Held \endash }{\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 The Defendant}{\lang2057\langfe3081\langnp2057\insrsid6442401 '}{ \lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 s affidavit material by a litigation clerk, alleging credibility and bona fides failed to show cause within the limb "or otherwise to the satisfaction of the court}{ \lang2057\langfe3081\langnp2057\insrsid6442401 "}{\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 by verifying factual claims to enable the proposed Statement of Defence to be considered bona fide issues for trial.}{ \lang2057\langfe3081\langnp2057\insrsid6442401 }{\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 Mere allegations that a demand was not served, without evidence whether the Defendant received a demand, or putting the Plaintiff to strict proof of amount owed are insufficient to show cause. The affidavit needed to state why the Defendant is not indebted to the Plaintiff in the amount claimed and state the real nature of the defence relied on. The facts providing the basis for any legal objection and the point of law must be clearly stated.}{\b\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 \par \par }{\lang2057\langfe3081\cgrid0\langnp2057\insrsid12590090\charrsid6442401 Defendant has failed to show a bona fide defence and Judgment entered for the Plaintiff, together with interest and costs.}{ \b\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 \par }\pard \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6361717 {\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 \par }{\b\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 Cases referred to in Judgment }{\b\lang2057\langfe3081\langnp2057\insrsid12590090 \par }{\b\lang2057\langfe3081\langnp2057\insrsid6361717\charrsid6442401 \par }\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6361717 \fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b\i\fs24\lang2057\langfe1033\cgrid0\langnp2057\insrsid12590090\charrsid6442401 Australia and New Zealand Banking Group v David }{\fs24\lang2057\langfe1033\cgrid0\langnp2057\insrsid12590090\charrsid6442401 (1991) 105 Fed LR 403; 1 NTLR 93 \par }{\b\i\fs24\lang2057\langfe1033\cgrid0\langnp2057\insrsid12590090\charrsid6442401 ANZ Banking Group v Sisilia Veiqaravi & 3 Ors}{\fs24\lang2057\langfe1033\cgrid0\langnp2057\insrsid12590090\charrsid6442401 [1991] HBC 262/99 8 September 1999 \par }{\b\i\fs24\lang2057\langfe1033\cgrid0\langnp2057\insrsid12590090\charrsid6442401 Hibiscus Shopping Town Pty. Ltd. v Woolworths (Q}{\b\i\fs24\lang2057\langfe1033\cgrid0\langnp2057\insrsid6442401 '}{ \b\i\fs24\lang2057\langfe1033\cgrid0\langnp2057\insrsid12590090\charrsid6442401 land) Ltd.}{\fs24\lang2057\langfe1033\cgrid0\langnp2057\insrsid12590090\charrsid6442401 (1993 113 Fed LR 106 \par }{\b\i\fs24\lang2057\langfe1033\cgrid0\langnp2057\insrsid12590090\charrsid6442401 Industrial Marine Engineering Ltd. v Te Mautari Ltd. & Anor }{\fs24\lang2057\langfe1033\cgrid0\langnp2057\insrsid12590090\charrsid6442401 [1997] HBG 0008/96 27 June 1997 \par }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 Les Fils Dreyfus et cie S.A. v Clarke}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 [1958] 1 All ER 459 \par }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 Lagos v Grunweldt}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 [1910] 1 KB 41 \par }{\b\i\fs24\lang2057\langfe1033\cgrid0\langnp2057\insrsid12590090\charrsid6442401 Maganlal Brothers Ltd. v L.B. Narayan & Company}{\fs24\lang2057\langfe1033\cgrid0\langnp2057\insrsid12590090\charrsid6442401 [1984] ABU 31/84 15 November 1984 \par }\pard\plain \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6361717 \fs24\lang3081\langfe3081\cgrid\langnp3081\langfenp3081 {\b\i\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 Pathe Freres Cinema Ltd. v United Electric Theatres Ltd.}{\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 [1914] 3 KB 1253 \par }{\b\i\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 Ray v Newton}{\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 [1913] 1 KB 249 \par }{\b\i\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 re General Railway Syndicate; Whiteley}{\b\i\lang2057\langfe3081\langnp2057\insrsid6442401 '}{\b\i\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 s case}{ \lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 [1900] 1 Ch. 365 \par }{\b\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 \par }\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 \fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 Chen B. Young for the Plaintiff \par Devanesh Sharma for the Defendant \par }\pard\plain \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 \fs24\lang3081\langfe3081\cgrid\langnp3081\langfenp3081 {\b\lang2057\langfe3081\langnp2057\insrsid12590090\charrsid6442401 \par }\trowd \irow0\irowband0\lastrow \ts19\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid6361717\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt \clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3888\clshdrawnil \cellx3780\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4968\clshdrawnil \cellx8748\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid6950951 \fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs24\lang2057\langfe1033\cgrid0\langnp2057\insrsid6361717\charrsid6361717 20 September, 2001\cell }{\b\caps\fs24\lang2057\langfe1033\langnp2057\insrsid6361717\charrsid6361717 judgment }{\fs24\lang2057\langfe1033\langnp2057\insrsid6361717\charrsid6361717 \cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24\lang2057\langfe1033\langnp2057\insrsid6361717\charrsid6361717 \trowd \irow0\irowband0\lastrow \ts19\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid6361717\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3888\clshdrawnil \cellx3780\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4968\clshdrawnil \cellx8748\row }\pard \ql \li2520\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin2520\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 (Order 14 Summary Judgment Proceedings) \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 Gates, J}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12590090 \par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid6361717\charrsid6442401 \par }{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 The Plaintiff bank sues the Defendant on a guarantee. Initially in the Statement of Claim that guarantee is said to have been dated 10 March 1997. Further down in the Statement it is said to have been dated 19 March 1987. It is clear however from the letter of Demand, the guarantee itself, and from both affidavits in support, that the date, 19 March 1987, was a typographical error. The correct date was indeed 10th March 1987. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6361717 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 Under the guarantee, it is said the Defendant now owes the Plaintiff, un der a limited liability, $70,000, plus one year}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s interest at the rate of 13% per annum amounting to $9,100, making a total claim of $79,100. The Plaintiff seeks summary judgment pursuant to}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 }{ \fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 Order 14 against the Defendant for that sum with costs. \par \par Order 14 r. 2 provides:}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6361717 {\fs24\lang2057\langfe1033\langnp2057\insrsid6361717\charrsid6442401 \par }{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 "}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 (1) An application under rule 1 must be made by summons supported by an affidavit verifying the facts on which the claim, or the part of a claim to which the application relates is based and stating that in the deponent}{ \fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s belief there is n o defence to that claim or part, as the case may be, or no defence except as to the amount of any damages claimed.}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090 \par }{\fs24\lang2057\langfe1033\langnp2057\insrsid6361717\charrsid6442401 \par }\pard\plain \s18\ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid6361717 \i\f1\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\i0\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 (2) Unless the Court otherwise directs, an affidavit for the purposes of this rule may contain statements of information or belief with the sources and grounds thereof.}{\i0\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 "}{ \i0\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par }\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6361717 \fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 The Plaintiff relies on the affidavit of Bharat Kumar, then Acting Manager, Asset Management of the Plaintiff, sworn on 18th October 2000. That affidavit meets the requirements of the rule [{\*\bkmkstart O14_2_1_HCR_ANZ_v_Aeneas_OSullivan}Order 14 rule 2(1) {\*\bkmkend O14_2_1_HCR_ANZ_v_Aeneas_OSullivan}]. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6361717 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 The Defendant must satisfy the court with respect to the claim or part of it "that there is an issue or question in dispute which ought to be tried..." [{\*\bkmkstart O14_3_1_HCR_ANZ_v_Aeneas_OSullivan}Order 14 rule 3(1){\*\bkmkend O14_3_1_HCR_ANZ_v_Aeneas_OSullivan} ]. In order to get leave to defend the Defendant "may show cause against an application under rule 1 by affidavit or otherwise to the satisfaction of the court" [{\*\bkmkstart O14_4_1_HCR_ANZ_v_Aeneas_OSullivan}Order 14 rule 4(1) {\*\bkmkend O14_4_1_HCR_ANZ_v_Aeneas_OSullivan}]. Similarly the affidavit "may contain statements of information and belief with the sources and grounds thereof [{\*\bkmkstart O14_4_2_HCR_ANZ_v_Aeneas_OSullivan}Order 14 r. 4(2) {\*\bkmkend O14_4_2_HCR_ANZ_v_Aeneas_OSullivan}, following {\*\bkmkstart O14_2_2_HCR_ANZ_v_Aeneas_OSullivan}Ord. 14 r. 2(2){\*\bkmkend O14_2_2_HCR_ANZ_v_Aeneas_OSullivan} ]. Whereas such evidence might suffice for indicating an obvious line of defence open to the Defendant, when the issues involve credibility and bona fides satisfactory evidence must needs be more direct to be convincing see }{ \b\i\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 {\*\bkmkstart Lagos_v_Grunweldt_ANZ_v_Aeneas_OSullivan}Lagos v Grunweldt}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 {\*\bkmkend Lagos_v_Grunweldt_ANZ_v_Aeneas_OSullivan}[1910] 1 KB 41 at p 48-49 applying an earlier stricter rule. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4396057 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 The Defendant has filed the affidavit of Sanjiesh Lal, a litigation clerk with the Defendant}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s solicitors, sworn on 14 November 2000, filed on 16 November 2000. He says:}{ \fs24\lang2057\langfe1033\langnp2057\insrsid12590090 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4396057 {\fs24\lang2057\langfe1033\langnp2057\insrsid4396057\charrsid6442401 \par }{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 "As the application for Summary Judgment is coming up on 17th November 2000 we have not been able to have an affidavit sworn by our clien t because he is resident abroad. However, we do not wish to hold the case up and to expedite matters we have taken instructions from our client and I am now instructed to depose to this affidavit on his behalf and to exhibit his proposed Statement of Defe nce." \par }{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 Under the heading "Technical Arguments" he sets out in the affidavit 3 defences. They are, first that the}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 }{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 Order 14 summons had been filed by Messrs Young & Associates whereas the summons had been issued by Messrs. Gordon & Co. He said their client was confused as to who the Plaintiff}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{ \fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s solicitors were on record in this matter. The back sheet to the summons states the Plaintiff}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{ \fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s solicitors as Messrs. Young & Associates. The inner indorsement says Messrs. Gordon & Co. The Defendant is represented by ex perienced counsel and I see no difficulty caused to his defence by such an error in the papers. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4396057 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 Next it is deposed that the Demand was not served at the correct address for the Defendant. There is no evidence from the Defendant, or anyone else with knowledge of such matters, or from this deponent, giving sources for his information, that the Defendant was not served the Demand. Other evidence as to where and how the Demand was served I need not go into. It was necessary for the Defendant to provide credible evidence of a defence on this issue, and this has not been done. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4396057 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 Thirdly it is deposed that a request was made for a copy of the Guarantee but that such has not been made available to the defence. Perhaps in error the deponent referred to "the Defendant}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{ \fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s liability under a }{\fs24\ul\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 Demand}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 dated 19th March 1997" when guarantee was in fact meant. The guarantee which it is said the Defendant signed was exhibited to Bharat Kumar}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s affidavit, a copy of which the Defence solicitors already had. The defence solicitors may have been under the impression there were 2 guarantees, one signed on 10 March 1997, and one on 19th March 1997. The guarantee relied on was clearly that exhibited to Bharat Kumar}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s affidavit i.e. the guarantee dated 10th Mar ch 1997. This was confirmed by the Plaintiffs solicitor}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s letter to defence solicitors of 10 November 2000. The Defendant}{ \fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s solicitors therefore already had a copy of the guarantee. This provides no evidence of a defence. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4396057 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 Lastly the deponent for the Defendant exhibited a copy of the proposed statement of defence. There was no evidence verifying any of the factual claims in that defence. That was the sum total of the affidavit material put up for the Defendant to show cause. \par \par Before going further into the matter to see if the Defendant satisfies the court that there exist issues to be tried, I consider first why it was that the Defendant himself or any witness who could testify as to relevant facts failed to swear an affidavit. If not the Defendant, then "the other person who may make the affidavit must be able to swear positively to the facts" }{ \b\i\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 {\*\bkmkstart Pathe_v_United_ANZ_v_Aeneas_OSullivan}Pathe Freres Cinema Ltd. v United Electric {\*\bkmkend Pathe_v_United_ANZ_v_Aeneas_OSullivan}Theatres Ltd}{ \fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 . [1914] 3 KB 1253 at p 1255. \par \par The}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 }{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 Order 14 summons was filed on 25 October 2000. On 7 November 2000 the Defendant}{ \fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s solicitors wrote to the Plaintiff s solicitors stating inter alia that they had already taken instructions from their client on the summons. The letter set out 6 paragraphs of points arising. The letter concluded "Please note that we will refrain from filing an affidavit on behalf of our client until we have been able to advise him on the above issues." The Plaintiff s solicitors replied by fax on 10 November 2000, and on this issue said: "You may refrain from filing an affidavit but this letter must not be taken to be granting your client any indulgence." \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4396057 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 None of the facts which might form the basis of the proposed statement of defence here is deposed to so as to provide necess ary credible foundation for establishing a bona fide defence (the alleged misrepresentation, the incorrect particulars of debt, the inadequate advertising, the sale at an undervalue, etc.). In }{ \b\i\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 {\*\bkmkstart Les_Fils_v_Clarke_ANZ_v_Aeneas_OSullivan}Les Fils Dreyfus et {\*\bkmkend Les_Fils_v_Clarke_ANZ_v_Aeneas_OSullivan}cie S.A. v Clarke}{ \fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 [1958] 1 All ER 459 at p 464A Parker LJ said "...one looks at the matter at the end of the day on the affidavits which have been filed." \par \par The Defendant fails to satisfy me on the affidavit material he has filed. Has the Defendant yet managed to show cause within the limb "or otherwise to the satisfaction of the court}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 "}{ \b\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 }{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 [Order 14 rule 4(1)]? The only other material before me is the proposed defence. I shal l not traverse all of the allegations, a good number of which were technical. The Defence claims the Plaintiff knew of his residence in Wellington. The Demand was sent to a post office box in Auckland, to an address the Plaintiff}{ \fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s witness deposes the Defendant gave to the bank at the time of the execution of the guarantee. As I have indicated earlier, there has been no evidence of non-receipt of the Demand. \par \par The Defendant denies that Enormous Investments Ltd., whose loan with the Plaintiff he was guaranteeing, was indebted in "the sum of $155,884-51 together with interest at the rate of 13% as at 10 May 2000 and puts the Plaintiff to strict proof." This does not lend support to the claim that the Defence raised is bona fide. \par \par The Defendant claims he was not served with proper reconciliation of accounts. He claims that there was no certificate as required under}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 }{ \fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 section 20 of the Guarantee certifying the interest rate charged. The Plaintiff answers by saying if it were in breach of the}{ \b\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 }{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 {\*\bkmkstart Gtee_Bailment_Indemnit_ANZ_v_A_OSullivan}Guarantee Bailment and Indemnity Act {\*\bkmkend Gtee_Bailment_Indemnit_ANZ_v_A_OSullivan}Cap. 232, which is denied, the deed executed on 10 March 1997 also operates pursuant to Clause 19 as an independent indemnity. \par \par It is alleged that the Plaintiff kept silent about a number of material factors. None of these matters formed part of the affidavit evidence, and I pay no regard to them.}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 }{ \fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par \par It is also alleged that me Plaintiff was negligent in selling the customer}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s property a s mortgage at a gross undervalue, and at the wrong time and without sufficient advertisement, and states "the Defendant seeks a reduction or credit for the amount of price that could have been obtained from the property had it been sold with reasonable car e." None of this informs me that there exist other reasons, outside of the affidavits, to satisfy me that there are bona fide issues for trial. I note that it was the Defendant}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{ \fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s own solicitor in New Zealand who verified that the Defendant "understood the true purport and effect of the document \par \par In }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 {\*\bkmkstart Industrial_v_Te_Mautari_ANZ_v_Aeneas}{\*\bkmkstart Indust_v_Te_Mautari_ANZ_v_Aen_OSullivan}Industrial Marine Engineering Ltd. v Te Mautari Ltd. & Anor {\*\bkmkend Industrial_v_Te_Mautari_ANZ_v_Aeneas}.}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 {\*\bkmkend Indust_v_Te_Mautari_ANZ_v_Aen_OSullivan}( unreported) Suva High Court Admiralty Action No. 0008 of 1996; 27 June 1997 Pathik J. said at p 4: \par }\pard \ql \li640\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin640\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid4396057 \par }{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 "I am not unmindful of the fact that the mere raising of a defence whether complicated or not or difficult will not of itself result in a refusal to grant summary judgment.}{ \fs24\lang2057\langfe1033\langnp2057\insrsid6442401 "}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par His lordship referred to a decision of Thomas J. in which his lordship referred to the burden of proof in}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 {\*\bkmkstart Hibiscus_v_Woolworths_ANZ_v_A_OSullivan}Hibiscus Shopping Town Pty. Ltd. v Woolworths (Q}{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 land) Ltd.}{ \b\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 }{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 {\*\bkmkend Hibiscus_v_Woolworths_ANZ_v_A_OSullivan}(1993) 113 FLR 106 at 109: \par }\pard \ql \li640\ri0\nowidctlpar\tx540\tx720\aspalpha\aspnum\faauto\adjustright\rin0\lin640\itap0\pararsid4396057 {\fs24\lang2057\langfe1033\langnp2057\insrsid4396057 \par }{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 "}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 The legal burden of proof is borne by the Plaintiff throughout the application, however when he has established a prima facie right to an order, a }{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 "}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 persuasive" or "evidential" burden shifts to the Defendant to satisfy the court that judgment should not be given against him:" see }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 {\*\bkmkstart ANZ_v_David_ANZ_v_Aeneas_OSullivan }Australian & New Zealand Banking Group v David}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 {\*\bkmkend ANZ_v_David_ANZ_v_Aeneas_OSullivan}(1991) 105 FLR 403; 1 NTLR 93." \par }\pard \ql \li40\ri0\nowidctlpar\tx540\tx720\aspalpha\aspnum\faauto\adjustright\rin0\lin40\itap0\pararsid4396057 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par }\pard \ql \li40\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin40\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 The summons was returnable on 17 N ovember 2000. On that day Mr. Sharma appeared for the Defendant and the summons was adjourned for hearing to 25 January 2001. \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par The day before Mr. Sharma had filed on behalf of his client the affidavit of his litigation clerk. On 17 November 2000 he could have asked for leave to file an additional affidavit, namely an affidavit from his client, the Defendant , in order to show cause. This was not done. \par }\pard \ql \li40\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin40\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par The Supreme Court Practice 1997 at p 157 summarises the Defendant}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s obligation in Order 14 proceedings:}{ \fs24\lang2057\langfe1033\langnp2057\insrsid12590090 \par }\pard \ql \li720\ri0\nowidctlpar\tx720\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4396057 {\fs24\lang2057\langfe1033\langnp2057\insrsid4396057\charrsid6442401 \par }{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 "The Defendant}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s affidavit must "condescend upon particulars}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 and should, as far as possible, deal specifically with the Plaintiffs claim a nd affidavit, and state clearly and concisely what the defence is, and what facts are relied on to support it.}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 "}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par In}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 {\*\bkmkstart Maganlal_v_Naraya_ANZ_v_Aeneas_OSullivan}Maganlal Brothers Ltd. v L.B. Narayan & Company}{ \fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 {\*\bkmkend Maganlal_v_Naraya_ANZ_v_Aeneas_OSullivan}(unreported) Fiji Court of Appeal Civil Appeal No. 31 of 1984; 15 November 1984, O}{ \fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 Regan JA giving the judgment of the Court cited with approval the requirement set out in Halsbury}{ \fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s Laws of England (4th Edit.) Vol. 37 paras. 413-415. His lordship quoted from Note 4 at p 5 of the Judgment:}{ \fs24\lang2057\langfe1033\langnp2057\insrsid12590090 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4396057 {\fs24\lang2057\langfe1033\langnp2057\insrsid4396057\charrsid6442401 \par }{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 "The normal everyday practice is for the Defendant to show cause by affidavit, and except in a clear case, it is rare for the court to allow a Defendant to show cause otherwise than by affidavit." \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par In }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 {\*\bkmkstart Re_General_Rly_ANZ_v_Aeneas_OSullivan}re General Railway Syndicate; {\*\bkmkend Re_General_Rly_ANZ_v_Aeneas_OSullivan}Whiteley}{ \b\i\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s }{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 case [1900] 1 Ch. 365 the Court of Appeal eventually set aside the order refusing to strike out Whiteley}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s name from the list of contributories in a winding up. Though finding that Whiteley}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s affidavit did show a right to repudiate the shares, Lindley MR commented on the otherwise inadequate affidavit in these terms (at p 368-9):}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4396057 {\fs24\lang2057\langfe1033\langnp2057\insrsid4396057\charrsid6442401 \par }\pard\plain \s18\ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid4396057 \i\f1\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\i0\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 "(the shareholder) filed an affidavit which shows no defence at all apart from the right to resci nd. It starts with a formal statement that the deponent is not indebted. That goes for nothing unless you can find some circumstances which can throw light upon it and give rise to some reason for supposing that that is a true statement. I disregard that altogether.}{\i0\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 "}{\i0\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par }\pard\plain \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4396057 \fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 In effect, the affidavit needs to state that the Defendant is not indebted to the Plaintiff in the amount claimed and should state why the Defendant is not so indebted, and go further and state the real nature of the defence relied on. If a legal objection is to be raised the facts providing the basis for such objection must be attested to and the point of law clearly stated [see {\*\bkmkstart O18_11_HCR_ANZ_v_Aeneas_OSullivan}Order 18 r. 11{\*\bkmkend O18_11_HCR_ANZ_v_Aeneas_OSullivan}]. The English Court of Appeal allowed the Appellant in }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 {\*\bkmkstart Ray_v_Newton_ANZ_v_Aeneas_OSullivan}Ray v Newto{\*\bkmkend Ray_v_Newton_ANZ_v_Aeneas_OSullivan}n}{ \fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 [1913] 1 KB 249 to have delivery of his solicitors bill fo r taxation prior to entering his defence, for which he had had unconditional leave to defend. He was able to satisfy the court that it should allow him to do so. Hamilton LJ at p 257 observed:}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4396057 {\fs24\lang2057\langfe1033\langnp2057\insrsid4396057\charrsid6442401 \par }\pard\plain \s18\ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid4396057 \i\f1\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\i0\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 "}{ \i0\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 The application is supported by an affidavit of Mr. Newton, wh ich contains quite sufficient materials for an investigation into the fairness and reasonableness of the agreement. Nearly every point in this case is in acute controversy; and I express no opinion whatever as to the result of that controversy; but in the first instance the Appellant makes out amply sufficient grounds for obtaining the order that he seeks.}{\i0\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 "}{\i0\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par }\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 \fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par In the case before me, unlike all of the cases cited, the affidavit material fails to deal with the necessary issues to show a credible defence is available: (cf. }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 A {\*\bkmkstart ANZ_v_S_Veiqaravi_ANZ_v_Aeneas_OSullivan}NZ Banking Group v Sisilia Veiqaravi and 5 Others}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 {\*\bkmkend ANZ_v_S_Veiqaravi_ANZ_v_Aeneas_OSullivan} (unreported) Suva High Court Civil Action No. 262 of 1999; 8 September 1999 where Shameem J. at p 4 said the Statement of Defence was brief and uninformative but as a result of the Defendant}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{ \fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s affidavit material the court was satisfied that the Defendant had raised "a bona fide defence and triable issues." The Defendant here has failed to demonstrate that this was no t a straightforward case of a bank calling upon its guarantee. The case has an echo in the words of O}{\fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 Regan JA in the }{ \b\i\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 Maganlal}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 }{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 case (supra at p 9):}{ \fs24\lang2057\langfe1033\langnp2057\insrsid12590090 \par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4396057 {\fs24\lang2057\langfe1033\langnp2057\insrsid4396057\charrsid6442401 \par }{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 "In the present case, the defence raised by the Respondent is no more than a delaying tactic and we think that the Appellant should have interest from the date of the initial demand namely 25th July 1983 at 13.5%." \par }{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6442401 {\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 I am not satisfied that the Defendant has a bona fide defence to the Plaintiff}{ \fs24\lang2057\langfe1033\langnp2057\insrsid6442401 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 s claim. Accordingly judgment will be entered for the Plaintiff for the sum of $79,100.00 with costs which I fix at $1,500 inclusive of disbursements. \par }{\i\fs24\lang2057\langfe1033\langnp2057\insrsid12590090\charrsid6442401 \par Application succeeds. \par \par }\pard\plain \s15\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4396057 \fs24\lang3081\langfe3081\cgrid\langnp3081\langfenp3081 {\insrsid12590090\charrsid6442401 Marie Chan}{ \lang2057\langfe3081\langnp2057\insrsid1972231\charrsid4396057 \par }}