{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff0\deff0\stshfdbch31505\stshfloch31506\stshfhich31506\stshfbi0\deflang1033\deflangfe1033\themelang2057\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\f2\fbidi \fmodern\fcharset0\fprq1{\*\panose 02070309020205020404}Courier New{\*\falt Courier New};}{\f3\fbidi \froman\fcharset2\fprq2{\*\panose 05050102010706020507}Symbol{\*\falt Symbol};}
{\f10\fbidi \fnil\fcharset2\fprq2{\*\panose 05000000000000000000}Wingdings{\*\falt Wingdings};}{\f10\fbidi \fnil\fcharset2\fprq2{\*\panose 05000000000000000000}Wingdings{\*\falt Wingdings};}
{\f37\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri{\*\falt Calibri};}{\f40\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}
{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\fhimajor\f31502\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0302020204030204}Calibri Light;}{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri{\*\falt Calibri};}{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\f45\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\f46\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\f48\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\f49\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\f50\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\f51\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\f52\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\f53\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\f65\fbidi \fmodern\fcharset238\fprq1 Courier New CE{\*\falt Courier New};}{\f66\fbidi \fmodern\fcharset204\fprq1 Courier New Cyr{\*\falt Courier New};}
{\f68\fbidi \fmodern\fcharset161\fprq1 Courier New Greek{\*\falt Courier New};}{\f69\fbidi \fmodern\fcharset162\fprq1 Courier New Tur{\*\falt Courier New};}{\f70\fbidi \fmodern\fcharset177\fprq1 Courier New (Hebrew){\*\falt Courier New};}
{\f71\fbidi \fmodern\fcharset178\fprq1 Courier New (Arabic){\*\falt Courier New};}{\f72\fbidi \fmodern\fcharset186\fprq1 Courier New Baltic{\*\falt Courier New};}{\f73\fbidi \fmodern\fcharset163\fprq1 Courier New (Vietnamese){\*\falt Courier New};}
{\f415\fbidi \fswiss\fcharset238\fprq2 Calibri CE{\*\falt Calibri};}{\f416\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr{\*\falt Calibri};}{\f418\fbidi \fswiss\fcharset161\fprq2 Calibri Greek{\*\falt Calibri};}
{\f419\fbidi \fswiss\fcharset162\fprq2 Calibri Tur{\*\falt Calibri};}{\f422\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic{\*\falt Calibri};}{\f423\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese){\*\falt Calibri};}
{\f445\fbidi \froman\fcharset238\fprq2 Cambria CE;}{\f446\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}{\f448\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\f449\fbidi \froman\fcharset162\fprq2 Cambria Tur;}
{\f452\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}{\f453\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\fhimajor\f31528\fbidi \fswiss\fcharset238\fprq2 Calibri Light CE;}{\fhimajor\f31529\fbidi \fswiss\fcharset204\fprq2 Calibri Light Cyr;}
{\fhimajor\f31531\fbidi \fswiss\fcharset161\fprq2 Calibri Light Greek;}{\fhimajor\f31532\fbidi \fswiss\fcharset162\fprq2 Calibri Light Tur;}{\fhimajor\f31535\fbidi \fswiss\fcharset186\fprq2 Calibri Light Baltic;}
{\fhimajor\f31536\fbidi \fswiss\fcharset163\fprq2 Calibri Light (Vietnamese);}{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE{\*\falt Calibri};}
{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr{\*\falt Calibri};}{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek{\*\falt Calibri};}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur{\*\falt Calibri};}
{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic{\*\falt Calibri};}{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese){\*\falt Calibri};}
{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\fbiminor\f31586\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}}{\colortbl;\red0\green0\blue0;
\red0\green0\blue255;\red0\green255\blue255;\red0\green255\blue0;\red255\green0\blue255;\red255\green0\blue0;\red255\green255\blue0;\red255\green255\blue255;\red0\green0\blue128;\red0\green128\blue128;\red0\green128\blue0;\red128\green0\blue128;
\red128\green0\blue0;\red128\green128\blue0;\red128\green128\blue128;\red192\green192\blue192;\red79\green129\blue189;}{\*\defchp \fs22\loch\af31506\hich\af31506\dbch\af31505 }{\*\defpap \ql \li0\ri0\sa160\sl259\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 }\noqfpromote {\stylesheet{\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 \snext0 \spriority0 \styrsid15891884 Normal;}{
\s1\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\af0\afs28\alang1025 \ltrch\fcs0 
\b\fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext20 \slink15 \sunhideused \sqformat \spriority9 \styrsid15891884 heading 1;}{
\s2\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel1\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs26\alang1025 \ltrch\fcs0 
\b\fs24\lang3081\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 \sbasedon1 \snext20 \slink16 \sunhideused \sqformat \spriority9 \styrsid15891884 heading 2;}{
\s3\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\af0\afs26\alang1025 \ltrch\fcs0 
\b\i\fs24\lang3081\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 \sbasedon2 \snext20 \slink17 \sunhideused \sqformat \spriority9 \styrsid15891884 heading 3;}{
\s4\ql \li0\ri0\sb120\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel3\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af0\afs24\alang1025 \ltrch\fcs0 
\b\i\fs24\cf17\lang3081\langfe1033\loch\f37\hich\af37\dbch\af31505\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext0 \slink18 \ssemihidden \sunhideused \spriority9 \styrsid15891884 heading 4;}{\*\cs10 \additive \sunhideused \spriority1 \styrsid15891884 
Default Paragraph Font;}{\*\ts11\tsrowd\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv \ql \li0\ri0\sa160\sl259\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang1033\langfe1033\loch\f31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 \snext11 \ssemihidden \sunhideused 
Normal Table;}{\*\cs15 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs28\lang1033\langfe1033\langnp1033\langfenp1033 \sbasedon10 \slink1 \slocked \spriority9 \styrsid15891884 Heading 1 Char;}{\*\cs16 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 
\b\f0\fs26\lang3081\langfe1033\langnp3081\langfenp1033 \sbasedon10 \slink2 \slocked \spriority9 \styrsid15891884 Heading 2 Char;}{\*\cs17 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\f0\fs26\lang3081\langfe1033\langnp3081\langfenp1033 
\sbasedon10 \slink3 \slocked \spriority9 \styrsid15891884 Heading 3 Char;}{\*\cs18 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\f37\fs24\cf17\lang3081\langfe1033\langnp3081\langfenp1033 
\sbasedon10 \slink4 \slocked \ssemihidden \spriority9 \styrsid15891884 Heading 4 Char;}{\s19\qj \fi-601\li2041\ri0\sb240\sa240\widctlpar\jclisttab\tx1440\wrapdefault\aspalpha\aspnum\faauto\ls13\outlinelevel0\adjustright\rin0\lin2041\itap0 \rtlch\fcs1 
\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \snext19 \sqformat \spriority0 \styrsid15891884 Num List 1;}{
\s20\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls11\outlinelevel0\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 \snext20 \sqformat \spriority0 \styrsid15891884 Paragraph - Numbered;}{
\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin1440\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 
\snext21 \sqformat \spriority0 \styrsid15891884 Indent1;}{\s22\qj \fi-720\li2761\ri0\sb240\sa240\widctlpar\jclisttab\tx2160\wrapdefault\aspalpha\aspnum\faauto\ls13\ilvl1\outlinelevel1\adjustright\rin0\lin2761\itap0 \rtlch\fcs1 \af0\afs24\alang1025 
\ltrch\fcs0 \fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \sbasedon19 \snext22 \sqformat \spriority0 \styrsid15891884 Num List 2;}{
\s23\qj \fi-720\li3481\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls13\ilvl2\outlinelevel2\adjustright\rin0\lin3481\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \sbasedon22 \snext23 \sqformat \spriority0 \styrsid15891884 Num List 3;}{
\s24\ql \li720\ri0\sb120\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext24 \ssemihidden \sqformat \spriority0 \styrsid15891884 Quote 1;}{\s25\ql \li1440\ri0\sb120\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 \sbasedon24 \snext25 \ssemihidden \sqformat \spriority0 \styrsid15891884 Quote 2;}{
\s26\ql \li2160\ri0\sb120\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 
\sbasedon25 \snext26 \ssemihidden \sqformat \spriority0 \styrsid15891884 Quote 3;}{\s27\qj \fi-720\li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls3\outlinelevel0\adjustright\rin0\lin1440\itap0 \rtlch\fcs1 \af0\afs24\alang1025 
\ltrch\fcs0 \fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \sbasedon19 \snext27 \sqformat \spriority34 \styrsid15891884 List Paragraph;}{\s28\ql \li0\ri0\sl-360\slmult0
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext28 \slink29 \styrsid15891884 
Body Text;}{\*\cs29 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs20\lang1033\langfe1033\langnp1033\langfenp1033 \sbasedon10 \slink28 \slocked \styrsid15891884 Body Text Char;}{
\s30\qj \li2160\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel1\adjustright\rin0\lin2160\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 
\sbasedon21 \snext30 \sqformat \spriority0 \styrsid15891884 Indent2;}{\s31\qj \li2880\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin0\lin2880\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \sbasedon30 \snext31 \sqformat \spriority0 \styrsid15891884 Indent3;}{\s32\qj \fi-601\li2761\ri0\sb240\sa240\widctlpar
\jclisttab\tx2160\wrapdefault\aspalpha\aspnum\faauto\ls15\ilvl1\outlinelevel1\adjustright\rin0\lin2761\itap0\contextualspace \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 \sbasedon36 \snext32 \styrsid15891884 List Bullet 2;}{\s33\qj \fi-1321\li3481\ri0\sb240\sa240\widctlpar
\jclisttab\tx2880\wrapdefault\aspalpha\aspnum\faauto\ls15\ilvl2\outlinelevel2\adjustright\rin0\lin3481\itap0\contextualspace \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
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\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid11220551\charrsid8000661 \hich\af0\dbch\af31505\loch\f0 Civil Jurisdiction
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11220551 
\par \hich\af0\dbch\af31505\loch\f0 Action No. 449 of 1984
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Between:
\par }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \insrsid11220551 
\par }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \b\insrsid13191250\charrsid8000661 \hich\af0\dbch\af31505\loch\f0 CARPENTERS FIJI LIMITED
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11220551 \hich\af0\dbch\af31505\loch\f0 Plaintiff
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 and
\par }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \insrsid11220551 
\par }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \b\insrsid13191250\charrsid8000661 \hich\af0\dbch\af31505\loch\f0 BALI MOHAMMED (f}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \b\insrsid11220551\charrsid8000661 \hich\af0\dbch\af31505\loch\f0 /}{\rtlch\fcs1 \af0\afs22 
\ltrch\fcs0 \b\insrsid13191250\charrsid8000661 \hich\af0\dbch\af31505\loch\f0 n Butta)
\par }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \insrsid11220551 \hich\af0\dbch\af31505\loch\f0 Defendant
\par }\pard \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15891884 {\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \insrsid11220551\charrsid15891884 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Mr. H. Lateef for the Plaintiff
\par \hich\af0\dbch\af31505\loch\f0 Mr. V. Parmanandam for the Defendant
\par }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \insrsid11220551 
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\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 The plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8000661 
\hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 s claim against the defendant is for the sum of $25,012.66 alleged to be the balance owing on the purchase of a Nissan CW519 
\hich\af0\dbch\af31505\loch\f0 truck which the defendant purchased on terms from the plaintiff on the 11th May, 1979.
\par \hich\af0\dbch\af31505\loch\f0 The defendant on that date executed a Bill of Sale, subsequently registered as Book 79 Folio 1556, to secure the balance purchase price of the truck and certain other mo\hich\af0\dbch\af31505\loch\f0 
neys which will be referred to when the Bill of Sale is discussed later in this judgment.
\par \hich\af0\dbch\af31505\loch\f0 The defendant is alleged to have made default in payment of the monthly instalments provided in the Bill of Sale and the company in purported exercise of its powers u\hich\af0\dbch\af31505\loch\f0 
nder the Bill of Sale seized the vehicle and after some delay sold it for $21,000.
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s defence to the claim is that the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13920213 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
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\hich\af0\dbch\af31505\loch\f0 nd unenforceable" and seeks damages amounting to $86,492.99.
\par \hich\af0\dbch\af31505\loch\f0 The damages purport to be damages for loss of anticipated net income from 11/7/80 to 31/3/84.
\par \hich\af0\dbch\af31505\loch\f0 The defendant does not appear to have appreciated that the plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10438001 
\hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 s claim is for the balance purch\hich\af0\dbch\af31505\loch\f0 
ase price of the truck and certain expenses incurred by the plaintiff. The amended Statement of Defence and Counterclaim are not drawn in clear terms and it is difficult to determine what is the basis of the defence to the plaintif}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10438001 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 s claim.
\par \hich\af0\dbch\af31505\loch\f0 No proper basi\hich\af0\dbch\af31505\loch\f0 
s is laid in the Amended Defence for a claim that the Bill of Sale was null and void and unenforceable. Facts were denied which should not have been denied. Paragraphs 1 and 2 of the statement of claim, which contain a number of allegations are not denied
.\hich\af0\dbch\af31505\loch\f0  The defendant in pleading to those paragraphs "does not admit the allegations" which is not the same as denying each and every allegation. To make matters worse he then goes on to admit some of the facts.
\par \hich\af0\dbch\af31505\loch\f0 The evidence now discloses}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10438001 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
that the defendant shou\hich\af0\dbch\af31505\loch\f0 
ld have admitted the facts in the first four paragraphs of the Statement of Claim and raised his defence thereto i.e. alleging facts that would support his claim that the Bill of Sale was illegal, void and unenforceable and that purported seizure was wron
\hich\af0\dbch\af31505\loch\f0 g\hich\af0\dbch\af31505\loch\f0 ful thus laying the basis for his counterclaim for damages.
\par \hich\af0\dbch\af31505\loch\f0 The notes 18/8/1 to Order 18 rule 7 of R.S.C. state:-
\par }\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid10630708 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 "It often is not enough for a party to deny an allegation in his opponent
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
s pleading; he must go further and dispute its validity in law, or set up some affirmative case of his own}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10630708 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 to answer it.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 It will not serve his turn merely}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10630708 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 to }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid13191250\charrsid10630708 
\hich\af0\dbch\af31505\loch\f0 traverse}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0  the allegation he must }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid13191250\charrsid10630708 
\hich\af0\dbch\af31505\loch\f0 confess and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid10630708\charrsid10630708 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid13191250\charrsid10630708 \hich\af0\dbch\af31505\loch\f0 avoid}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid15891884\charrsid10630708 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid10630708\charrsid10630708 \hich\af0\dbch\af31505\loch\f0 it}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 ."
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15891884 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Paragraph 5 of the Statement of Claim which is the }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid10630708 \hich\af0\dbch\af31505\loch\f0 l}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 ast paragraph in the claim sets out details of credit and}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10630708 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 debits involved in the account resulting in the sum claimed}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10630708 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 by the plaintiff.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 The defendant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 s answer to this is that he}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10630708 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
"does not admit the allega\hich\af0\dbch\af31505\loch\f0 tions and/or contents of paragraph}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10630708 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 5 of the Statement of Claim."}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 There was}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 in fact, no explicit}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10630708 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 denial that the balance sum claimed to be owing was not owing or recoverable or as an alternative defence that the sum}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10630708 \hich\af0\dbch\af31505\loch\f0  c}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 laimed was excessive.
\par \hich\af0\dbch\af31505\loch\f0 Mr Lateef called M\hich\af0\dbch\af31505\loch\f0 r Low, the plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10630708 
\hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 s credit controller, to prove the items in paragraph 5. He was subjected to close and detailed cross examination }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid10630708 \hich\af0\dbch\af31505\loch\f0 which w}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 ould have been relevant if the issue was the legality of}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10630708 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 the transaction.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 It was of no relevance to determine the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10630708 \hich\af0\dbch\af31505\loch\f0  p}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 roper amount owing if the defence was that nothing was owing because the alleged balance moneys were not recoverable.
\par \hich\af0\dbch\af31505\loch\f0 Mr Parmanandam}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
s line of questioning of Mr Low appeared to indicate that the defendant also challenged the quantum of the debt. Support fo\hich\af0\dbch\af31505\loch\f0 r this view was given by Mr Parmanandam}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15891884\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 s application to amend the defence by adding a new paragraph No.6.
\par }\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid14291120 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
"6). The defendant stays the interest provisions in the Bill of Sale are voidable in that those provisions are harsh and unconscionable."
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15891884 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 However, Mr\hich\af0\dbch\af31505\loch\f0 
 Parmanandam in his final address only attacked the validity of the Bill of Sale. This was in support}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14291120 \hich\af0\dbch\af31505\loch\f0  o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 f the counterclaim}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10643217 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0  The vehicle was purportedly seized and}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid14291120 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 sold by the plaintiff.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 In the circumstances the alleged}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14291120 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 illegality of the Bill of Sale or that \hich\af0\dbch\af31505\loch\f0 
it was void or unenforceable could not affect the liability of the defendant to repay the balance moneys properly owing thereunder.
\par \hich\af0\dbch\af31505\loch\f0 In }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\ul\insrsid13191250\charrsid6885407 \hich\af0\dbch\af31505\loch\f0 Faiz Mohammed Khan Sherani}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\ul\insrsid14291120\charrsid6885407 
\hich\af0\dbch\af31505\loch\f0  v Latchman}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0  14 FLR 3, the Court of Appeal held that there must be some limitation on the words \hich\af0\dbch\af31505\loch\f0 
"fraudulent and void" in section 7 of the Bills of Sale Act. While the Bill of Sale might be avoided that could have no effect on the validity of any covenants to pay the principal or interest and other moneys under the Bill o}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14291120 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
Sale agreed to be paid by th\hich\af0\dbch\af31505\loch\f0 e defendant to the plaintiffs.
\par \hich\af0\dbch\af31505\loch\f0 So far as the plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14291120 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 s claim is concerned all I}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14291120 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 have to decide is whether the plaintiff has established that the sum of $25,012.66 is due and owing.
\par \hich\af0\dbch\af31505\loch\f0 Mr Parmanandam}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
s probing did bring to light some questionable aspects in \hich\af0\dbch\af31505\loch\f0 the plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7172631 
\hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 s method of accounting.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7172631 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
Mr Low stated the total purchase price of the vehicle on terms was $56,683 made up as follows:-
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts38\trgaph108\trleft1418\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10643217\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1526
\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4536\clshdrawnil \cellx5954\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth1701\clshdrawnil \cellx7655\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10643217\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 
\fs24\lang2057\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp2057\langfenp2057 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid7172631\charrsid7172631 \hich\af0\dbch\af31505\loch\f0 Actual cost of vehicle \cell 
}\pard \ltrpar\s39\qr \li0\ri0\sb240\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10643217\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid7172631\charrsid7172631 
\hich\af0\dbch\af31505\loch\f0 $48,800\cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7172631\charrsid7172631 \trowd \irow0\irowband0\ltrrow
\ts38\trgaph108\trleft1418\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10643217\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1526\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4536\clshdrawnil \cellx5954\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1701\clshdrawnil \cellx7655\row \ltrrow
}\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10643217\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 
\fs24\lang2057\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp2057\langfenp2057 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid7172631\charrsid7172631 \hich\af0\dbch\af31505\loch\f0 Cost of tray \cell 
}\pard \ltrpar\s39\qr \li0\ri0\sb240\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10643217\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid7172631\charrsid7172631 
\hich\af0\dbch\af31505\loch\f0 2,300\cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7172631\charrsid7172631 \trowd \irow1\irowband1\ltrrow
\ts38\trgaph108\trleft1418\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10643217\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1526\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4536\clshdrawnil \cellx5954\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1701\clshdrawnil \cellx7655\row \ltrrow
}\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10643217\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 
\fs24\lang2057\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp2057\langfenp2057 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid7172631\charrsid7172631 \hich\af0\dbch\af31505\loch\f0 Marine freight Suva to Labasa 
\cell }\pard \ltrpar\s39\qr \li0\ri0\sb240\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10643217\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid7172631\charrsid7172631 
\hich\af0\dbch\af31505\loch\f0 700\cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7172631\charrsid7172631 \trowd \irow2\irowband2\ltrrow
\ts38\trgaph108\trleft1418\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10643217\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1526\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4536\clshdrawnil \cellx5954\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1701\clshdrawnil \cellx7655\row \ltrrow
}\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10643217\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 
\fs24\lang2057\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp2057\langfenp2057 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid7172631\charrsid7172631 \hich\af0\dbch\af31505\loch\f0 Marine insurance \cell 
}\pard \ltrpar\s39\qr \li0\ri0\sb240\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10643217\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid7172631\charrsid7172631 
\hich\af0\dbch\af31505\loch\f0 285\cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7172631\charrsid7172631 \trowd \irow3\irowband3\ltrrow
\ts38\trgaph108\trleft1418\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10643217\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1526\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4536\clshdrawnil \cellx5954\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1701\clshdrawnil \cellx7655\row \ltrrow
}\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10643217\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 
\fs24\lang2057\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp2057\langfenp2057 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid7172631\charrsid7172631 \hich\af0\dbch\af31505\loch\f0 
Comprehensive insurance - 1st year \cell }\pard \ltrpar\s39\qr \li0\ri0\sb240\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10643217\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang1033\langfe1033\langnp1033\langfenp1033\insrsid7172631\charrsid7172631 \hich\af0\dbch\af31505\loch\f0 3,500\cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 
\rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7172631\charrsid7172631 \trowd \irow4\irowband4\ltrrow
\ts38\trgaph108\trleft1418\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10643217\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1526\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4536\clshdrawnil \cellx5954\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1701\clshdrawnil \cellx7655\row \ltrrow
}\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10643217\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 
\fs24\lang2057\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp2057\langfenp2057 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid7172631\charrsid7172631 \hich\af0\dbch\af31505\loch\f0 C.T.P. insurance - 1st year 
\cell }\pard \ltrpar\s39\qr \li0\ri0\sb240\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10643217\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid7172631\charrsid7172631 
\hich\af0\dbch\af31505\loch\f0 80\cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7172631\charrsid7172631 \trowd \irow5\irowband5\ltrrow
\ts38\trgaph108\trleft1418\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10643217\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1526\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4536\clshdrawnil \cellx5954\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1701\clshdrawnil \cellx7655\row \ltrrow
}\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10643217\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 
\fs24\lang2057\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp2057\langfenp2057 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid7172631\charrsid7172631 \hich\af0\dbch\af31505\loch\f0 Registration of vehicle \cell 
}\pard \ltrpar\s39\qr \li0\ri0\sb240\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10643217\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid7172631\charrsid7172631 
\hich\af0\dbch\af31505\loch\f0 452\cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7172631\charrsid7172631 \trowd \irow6\irowband6\ltrrow
\ts38\trgaph108\trleft1418\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10643217\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1526\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4536\clshdrawnil \cellx5954\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1701\clshdrawnil \cellx7655\row \ltrrow
}\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10643217\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 
\fs24\lang2057\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp2057\langfenp2057 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid7172631\charrsid7172631 \hich\af0\dbch\af31505\loch\f0 Bill of Sale Costs \cell 
}\pard \ltrpar\s39\qr \li0\ri0\sb240\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10643217\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid7172631\charrsid7172631 
\hich\af0\dbch\af31505\loch\f0 566\cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7172631\charrsid7172631 \trowd \irow7\irowband7\ltrrow
\ts38\trgaph108\trleft1418\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10643217\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1526\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4536\clshdrawnil \cellx5954\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1701\clshdrawnil \cellx7655\row \ltrrow
}\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10643217\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 
\fs24\lang2057\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp2057\langfenp2057 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langnp1033\langfenp1033\insrsid7172631\charrsid7172631 \cell }\pard \ltrpar
\s39\qr \li0\ri0\sb240\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10643217\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang1033\langfe1033\langnp1033\langfenp1033\insrsid7172631\charrsid7172631 
\hich\af0\dbch\af31505\loch\f0 $56,683\cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \b\lang1033\langfe1033\langnp1033\insrsid7172631\charrsid7172631 \trowd \irow8\irowband8\lastrow \ltrrow
\ts38\trgaph108\trleft1418\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10643217\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1526\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4536\clshdrawnil \cellx5954\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1701\clshdrawnil \cellx7655\row 
}\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15891884 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
I think that Mr Low meant that the cost of the vehicle on terms was the sum stated in view of the first item showing actual cost of the vehicle.
\par \hich\af0\dbch\af31505\loch\f0 This sum less deposit of $10,000 was then added to the sum of $14,273.28 which is described in the Bill of Sale\hich\af0\dbch\af31505\loch\f0  as an "additional sum" "in lieu of interest" on the}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid10828542 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 principal sum after crediting a deposit of $10,000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 The}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10828542 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 sums secured by the Bill of Sale in this case totalled $60,956.28.
\par \hich\af0\dbch\af31505\loch\f0 The consideration is expressed to also include "all other present and future ind\hich\af0\dbch\af31505\loch\f0 
ebtedness" for goods supplied or "work done". The covenant for repayment, however, does not include, as it should have, repayment of such indebtedness.
\par \hich\af0\dbch\af31505\loch\f0 I do not consider such indebtedness is secured by the Bill of Sale although clause 15 purports to so pro\hich\af0\dbch\af31505\loch\f0 
vide, in view of clause 2 which obligates the plaintiff to re-assign the vehicle to the defendant on payment of the balance purchase price and the additional sum.
\par \hich\af0\dbch\af31505\loch\f0 The "additional sum" earlier referred to is the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10828542 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
second matter which calls for comment.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 It is \hich\af0\dbch\af31505\loch\f0 
not in fact}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10828542 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
a sum "in lieu of interest" and that statement in the Bill of Sale is misleading if it is not in fact, a false statement. The sum is in fact three years interest calculated in advance at 10% on the balance sum owing of $46,683 which comes to $1
\hich\af0\dbch\af31505\loch\f0 4,004.90 leaving an unexplained sum of $268.38 in excess.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10828542 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 Mr Low said the "additional sum" was interest.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
The $268.38}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10828542 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
must therefore be interest on some item which has not been disclosed.
\par \hich\af0\dbch\af31505\loch\f0 The sum of $60,956.28 referred to earlier was to be repaid by 36 mont\hich\af0\dbch\af31505\loch\f0 
hly payments of $1797 each and there was also to be an additional payment of $1337 before 31st July, 1979. This sum was paid, presumably before the due date, but there is no mention of it in the Bill of Sale although in the plaintif}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7220853 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
s instructions to Mr P\hich\af0\dbch\af31505\loch\f0 
arshu Ram, the solicitor who prepared the Bill of Sale, the additional payment is mentioned. No refund of interest for early payment of part of the balance purchase price appears to have been made. This would amount to about $400 on my reckoning.
\par \hich\af0\dbch\af31505\loch\f0 36 paymen\hich\af0\dbch\af31505\loch\f0 
ts of $1797 plus the sum of $1337 comes to the sum of $66,029 which is $5,072.72 more than the defendant was required to pay. The plaintiff apparently anticipated it would have to pay second and third year insurance premia and made allowance for that in d
\hich\af0\dbch\af31505\loch\f0 e\hich\af0\dbch\af31505\loch\f0 termining the amount of the monthly instalment.
\par \hich\af0\dbch\af31505\loch\f0 The Bill of Sale provides for payment of monthly}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7220853 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
instalments of "not less than $1797.00".}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 This imputes that}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid7220853 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
the mortgagor had the right to pay off the whole debt at any time but nowhere in the Bill of Sale is\hich\af0\dbch\af31505\loch\f0 
 there any explicit provision advising the mortgagor that he can do so nor is there any provision for adjustment of interest charged in advance. On the face of the document the defendant had to pay $60,956.28 before he could have the vehicle reassigned to
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 him.
\par \hich\af0\dbch\af31505\loch\f0 Mr. Low stated, that early payment would be accepted and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7220853 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 that interest would be adjusted in such a case.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
If that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7220853 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 was the position it is not reflected in }{\rtlch\fcs1 \af0\afs23 
\ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 any provision }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 in the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7220853 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs23 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Bill of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
Sale as it should have been nor in the account produced.
\par \hich\af0\dbch\af31505\loch\f0 An extreme example of what would legally be the position }{\rtlch\fcs1 \af0\afs23 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 if the mortgagor }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 decided to pay }{\rtlch\fcs1 \af0\afs23 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 off }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 the }{\rtlch\fcs1 \af0\afs23 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 day}{\rtlch\fcs1 \af0\afs23 \ltrch\fcs0 \insrsid7220853 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs23 
\ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 after he signed the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Bill of Sale and the mortgagor required payment as }{
\rtlch\fcs1 \af0\afs23 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 provided }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
in the Bill of Sale indicates how unfair the transaction could}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7220853 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 be.}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 It would\hich\af0\dbch\af31505\loch\f0  result in the mortgagor paying the total of}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7220853 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
$60,956.28 for a vehicle with tray which he could have purchased for $51,100 the previous day if he had paid cash.
\par }{\rtlch\fcs1 \af0\afs23 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 I have }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 given an extreme example, which woul
\hich\af0\dbch\af31505\loch\f0 
d never occur in practice, to emphasise how one sided the transaction could be. When it comes to legal matters a purchaser should not have to rely on a company officer understanding a complicated Bill of Sale and treating a customer fairly and allowing a 
\hich\af0\dbch\af31505\loch\f0 r\hich\af0\dbch\af31505\loch\f0 ebate of part of the additional sum for early payment.
\par \hich\af0\dbch\af31505\loch\f0 The provision for redemption (Clause 2) requires the mortgagor to pay only the sum of $60,956.28 before the Company}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid138716 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 is required to reassign the vehicle to the mortgagor. This appears}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid138716 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 to be a defective \hich\af0\dbch\af31505\loch\f0 
provision because it does not provide for payment of future indebtedness or any other moneys that might be payable under the Bill of Sale before the vehicle is re-assigned.
\par \hich\af0\dbch\af31505\loch\f0 Clause 2 also appears to conflict with Clause 6 which allows the mortgagee to make \hich\af0\dbch\af31505\loch\f0 
good any default and to require payment forthwith of all costs and charges incurred which until paid is secured under the Bill of Sale and bears interest at the rate of 8%.
\par \hich\af0\dbch\af31505\loch\f0 Clause 18 provides:
\par }\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid15736613 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 "18. The Mortgagee shall be entitled to charge simple interest 
\hich\af0\dbch\af31505\loch\f0 at the rate of $10 per centum per annum on any instalment of the principal sum or additional sum which the Mortgagor shall fail to pay upon the due date thereof."
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15891884 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Included in the balance sum claimed by the plaintiff }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid15736613 \hich\af0\dbch\af31505\loch\f0 i}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 s the sum of $5,306.32 for interest for\hich\af0\dbch\af31505\loch\f0 
 period October 1979 to May, 198}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15736613 \hich\af0\dbch\af31505\loch\f0 2 on alleged overdue instalments}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \insrsid13191250\charrsid15891884 .
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Mr Low was required by the Court to provide details}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15736613 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 as to how this sum was made up.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 The list he provided is quite}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15736613 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 revealing.
\par \hich\af0\dbch\af31505\loch\f0 Mr Low stated that irrespective of how late in the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15736613 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 month an insta\hich\af0\dbch\af31505\loch\f0 lment was paid (ignoring the first day overdue which is apparently treated as a period of grace) the plaintiff charges the purchaser interest for a whole month on the overdue}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15736613 \hich\af0\dbch\af31505\loch\f0  i}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 nstal}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15736613 
\hich\af0\dbch\af31505\loch\f0 m}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 ents. A payment made 2 days late incurs the same penalty as a payment made\hich\af0\dbch\af31505\loch\f0  29 days late.
\par \hich\af0\dbch\af31505\loch\f0 Clause 18 does not permit the plaintiff to charge a month}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 s interest where delay is only a day or so. The clause only entitled "simple" interest to be charged on a number of days actually overdue if interest is calculated monthly.
\par \hich\af0\dbch\af31505\loch\f0 The list i\hich\af0\dbch\af31505\loch\f0 ndicates that interest has been compounded}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1587112 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 which Clause 18 also does not permit.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 There is no provision}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1587112 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 for }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 payment of }{\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 interest on the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 overdue }{\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 instalment of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 interest}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1587112 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 "on due date."}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Interest on an overdue instalment should}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1587112 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 also not have been accumulated.
\par \hich\af0\dbch\af31505\loch\f0 The\hich\af0\dbch\af31505\loch\f0 re is provision for apportioning instalments.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 Each}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1587112 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
instalment is a little more than one thirty sixth part of the principal sum plus the same proportion of "the additional sum"}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1587112 \hich\af0\dbch\af31505\loch\f0  which }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 is in fact interest.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 The plaintiff can only in my view}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1587112 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
claim interest on t\hich\af0\dbch\af31505\loch\f0 he overdue portion of the principal sum in the absence of any account indicating that the instalment was credited in full to payment on account of the additional sum which the plaintiff was entitled to do.

\par \hich\af0\dbch\af31505\loch\f0 Why clause 18 provides for 10% interest when claus\hich\af0\dbch\af31505\loch\f0 e}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1587112 \hich\af0\dbch\af31505\loch\f0  6 }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 provides for 8% is not kno}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1587112 \hich\af0\dbch\af31505\loch\f0 wn and appears to be an error. It}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0  would result in accounting problems.
\par \hich\af0\dbch\af31505\loch\f0 The instalments which include part of the balance}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16218549 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 purchase price and part of the additional sum in fact includes part of 3 years advance interest charged i\hich\af0\dbch\af31505\loch\f0 n advance. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16218549 
\hich\af0\dbch\af31505\loch\f0 Interest on the instalm}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
ents overdue does therefore include interest on interest. Clause 18 does not permit this nor does the clause permit compounding of interest on overdue instalments which the list clearly indicates was charged.
\par \hich\af0\dbch\af31505\loch\f0 Apart from th\hich\af0\dbch\af31505\loch\f0 e foregoing criticism of the plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16218549 
\hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
s claim to interest it appears to me that clause 18 on which the plaintiff bases its claim to interest can never operate in view of clause 2 of the Bill of Sale.
\par \hich\af0\dbch\af31505\loch\f0 The proviso to that clause provides that if the mortgag\hich\af0\dbch\af31505\loch\f0 ee makes default in payment of any sum when due "the full amount of the balance shall forthwith become payable as if this}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid16218549 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 security were payable on demand."
\par \hich\af0\dbch\af31505\loch\f0 Immediately on the first default of payment of an instalment the balance debt became payable on dema\hich\af0\dbch\af31505\loch\f0 
nd. No further monthly instalments were then legally payable and there could not therefore be any overdue instalments on which interest pursuant to clause 18 could be charged.
\par \hich\af0\dbch\af31505\loch\f0 In any event I am far from satisfied that the sum of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4678806 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 $5,306.32 claimed for inter\hich\af0\dbch\af31505\loch\f0 est is the correct figure.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 If}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4678806 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
the vehicle had been sold in September 1981 as I think it should have been, a little over a year after vehicle was purchased, the defendant should have been credited with a refund of about 2 of the 3 years interest he was aske
\hich\af0\dbch\af31505\loch\f0 d to pay in advance in respect of the resale price. This was no small sum and would amount to about $4,000.
\par \hich\af0\dbch\af31505\loch\f0 The burden of establishing that the sum of $5,306.32 was legally due for interest has not been discharged. No proper account was produced from which\hich\af0\dbch\af31505\loch\f0 
 it would be possible in any event to determine the correct amount (if any) which is due. I accordingly do not allow this sum.
\par \hich\af0\dbch\af31505\loch\f0 I have criticised the format of the Bill of Sale and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2962671 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 could comment on other provisions.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
It appears to me that a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2962671 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
Bill of Sale printed form used for securing a monetary loan has been adopted, not very successfully, to meet an unusual transaction which appears to have been designed to secure an indebtedness on terms which would ensure return to the plaintiff}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2962671 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 of their m\hich\af0\dbch\af31505\loch\f0 oney with interest at the rates of 19%.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Interest}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2962671 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
calculated at a flat rate of 10% for three years on a sum repayable in three years by 36 instalments is equivalent to 19% if instalments are paid promptly on due dates.
\par \hich\af0\dbch\af31505\loch\f0 The plaintiff has not hidden this fact\hich\af0\dbch\af31505\loch\f0 
 as the rate of 19% is mentioned in the Bill of Sale and the defendant has affixed his thumb mark alongside it. Whether he understood or was ever aware of how the provisions of the Bill of Sale could operate, if he defaulted, as he did, so soon after purc
\hich\af0\dbch\af31505\loch\f0 h\hich\af0\dbch\af31505\loch\f0 ase is not known but I would expect he did not.
\par \hich\af0\dbch\af31505\loch\f0 The bank trading rate is now 13.5%. A similar transaction to the defendants with interest calculated at that rate could result in the plaintiff being paid 24% interest.
\par \hich\af0\dbch\af31505\loch\f0 There is another aspect disclosed by th\hich\af0\dbch\af31505\loch\f0 e pleadings.
\par \hich\af0\dbch\af31505\loch\f0 
The truck was repossessed on the 14th August, 1981 but was not sold by the plaintiff until June 1984 nearly 3 years later when it was sold for $21,000. Mr Low explained it was a special type of vehicle and, while a tender for $18,000 had been 
\hich\af0\dbch\af31505\loch\f0 received in September 1981, the plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5001262 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
considered the tender too low and did not accept it.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Had}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid5001262 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
the vehicle been sold for $18,000 in September 1981 and the defendant credited with unexpired portion of the "additional sum", pertaining to interest charged\hich\af0\dbch\af31505\loch\f0 
 in advance on a sum of $18,000, which in my view, if the Company was concerned }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 dealing fairly with a customer, the defendant was in equity entitled to, he was probably better off financially}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5001262 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 than a sale for $21,000 three years later.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 The proper}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5001262 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 course \hich\af0\dbch\af31505\loch\f0 
for the company to have followed would have been to take over the vehicle and credit the defendant with $18,000.
\par \hich\af0\dbch\af31505\loch\f0 The question arises whether the plaintiff is entitled to charge the defendant for insurance it paid for 3rd, 4th and 5th years. The plaintiff t\hich\af0\dbch\af31505\loch\f0 
ook out temporary cover for those years for fire only.
\par \hich\af0\dbch\af31505\loch\f0 When the vehicle was first sold the plaintiff included the sum of $3500 for comprehensive insurance for the first}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5001262 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 year in the purchase price.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 Also included in the purchase}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5001262 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
price were licence fees and B\hich\af0\dbch\af31505\loch\f0 ill of Sale costs on all of which interest at the effective rate of 19% would have paid if all instalments have been paid promptly.
\par \hich\af0\dbch\af31505\loch\f0 Mr Parmanandam did refer to the Moneylenders Act but}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5001262 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 admitted he had not pleaded it.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
I am, not therefore, called}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5001262 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 on to decid\hich\af0\dbch\af31505\loch\f0 
e whether the cash payments made by the plaintiff on behalf of the defendant could be deemed in the circumstances to be loans or whether they were indeed part of the purchase price of the vehicle duly licensed and insured by the plaintiff.
\par \hich\af0\dbch\af31505\loch\f0 In the instant case the defendant had he paid all instalments would have repaid the $566 legal costs of Bill of Sale and an additional sum of $322.62 interest.
\par \hich\af0\dbch\af31505\loch\f0 Mr Parmanandam did, however, allege the interest was "harsh and unconscionable" a phrase he borr\hich\af0\dbch\af31505\loch\f0 owed from the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5001262 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Moneylenders Act.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Under that Act interest in excess of 12%}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5001262 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 is deemed excessive. Mr Parmanandam has not sought any relief on that issue and in any case I do not consider I can do anything about it other than to set out the facts as I see them \hich\af0\dbch\af31505\loch\f0 
to alert the plaintiff to the possibility that the issue may arise in the future.
\par \hich\af0\dbch\af31505\loch\f0 Except for the provisions in the Bill of Sale which relate to interest there was no need for me to refer to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3367753 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 other provisions in the document. On perusing the document, howeve\hich\af0\dbch\af31505\loch\f0 
r, it became evident that the printed form had contradictory provisions and was never designed to properly record the transaction entered into by the plaintiff with the defendant.
\par \hich\af0\dbch\af31505\loch\f0 The evidence in this case also indicates that there might have been a claim,\hich\af0\dbch\af31505\loch\f0  that part of the debt claimed was irrecoverable under the provision of the Moneylenders Act.
\par \hich\af0\dbch\af31505\loch\f0 Apart from querying the interest during cross examination the defendant has not challenged any of the other alleged}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3367753 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 expenses claimed by the plaintiff.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 However, wh\hich\af0\dbch\af31505\loch\f0 ere the claim}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3367753 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
is denied or not admitted the plaintiff has to prove its case. A proper account should have been produced and it should not have been necessary for the Court to have ordered details of the interest claimed.
\par \hich\af0\dbch\af31505\loch\f0 Mr Lateef disclosed details of expe\hich\af0\dbch\af31505\loch\f0 nses in the statement of claim. At the hearing he amended the figures by deleting claim of $1189.57 for marine freight from Labasa to Suva.
\par \hich\af0\dbch\af31505\loch\f0 I have disallowed the claim for interest. Apart from the claim for the second year insurance, premium, $3,195,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12714940 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 paid \hich\af0\dbch\af31505\loch\f0 by the plaintiff which I allow,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 I do not allow any of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12714940 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 the other items of insurance claimed. The items are claims for "temporary" insurance for third, fourth and fifth years. No receipt was produced for fifth year premium.
\par \hich\af0\dbch\af31505\loch\f0 The so called "temporary" insuranc\hich\af0\dbch\af31505\loch\f0 
e was not insurance which the defendant was required to pay for under the terms of the Bill of Sale which required him to insure against loss by fire and accident.
\par \hich\af0\dbch\af31505\loch\f0 The vehicle was, in possession of the plaintiff who arranged for cover while the vehicle was\hich\af0\dbch\af31505\loch\f0  at Walu Bay, Suva,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12714940 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 against fire and theft.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 It was clearly cover to protect the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12714940 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12714940 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 s interest in the vehicle. The insur}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12714940 \hich\af0\dbch\af31505\loch\f0 er had made it clear after the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 accident that it wou}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12714940 \hich\af0\dbch\af31505\loch\f0 l}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 d not reinsure the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12714940 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 defendant.
\par \hich\af0\dbch\af31505\loch\f0 There is a claim for $24.00 for repossession cos\hich\af0\dbch\af31505\loch\f0 ts. This was not proved. The vehicle was at the relevant time}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12714940 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 in the actual possession of the plaintiff.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 I disallow this}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12714940 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 claim.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11341199 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
The claim for advertising, $78.75, was established}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12714940 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 and is allowed.}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 The end result is that the plaintiff is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12714940 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 entitled to judgment \hich\af0\dbch\af31505\loch\f0 on its claim for $18,481.18 made up as follows:-}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13191250 
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts38\trgaph108\trleft1276\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11341199\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1384
\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3119\clshdrawnil \cellx4395\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth1660\clshdrawnil \cellx6055\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1742\clshdrawnil \cellx7797\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp2057 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid12714940\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Purchase price}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid12714940 \cell \cell }\pard \ltrpar
\s28\qr \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid12714940 \hich\af0\dbch\af31505\loch\f0 $56,683.00\cell 
}\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12714940 \trowd \irow0\irowband0\ltrrow
\ts38\trgaph108\trleft1276\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11341199\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1384\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3119\clshdrawnil \cellx4395\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1660\clshdrawnil \cellx6055\clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1742\clshdrawnil \cellx7797\row \ltrrow}\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp2057 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid12714940\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Less deposit}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid12714940 \cell \cell }\pard \ltrpar
\s28\qr \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\lang1033\langfe1033\langfenp1033\insrsid12714940\charrsid11341199 
\hich\af0\dbch\af31505\loch\f0 10,000.00 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12714940 \trowd \irow1\irowband1\ltrrow
\ts38\trgaph108\trleft1276\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11341199\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1384\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3119\clshdrawnil \cellx4395\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1660\clshdrawnil \cellx6055\clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1742\clshdrawnil \cellx7797\row \ltrrow}\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp2057 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid12714940 \cell \cell }\pard \ltrpar\s28\qr \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang1033\langfe1033\langfenp1033\insrsid12714940 \hich\af0\dbch\af31505\loch\f0 $46,683.00\cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 
\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12714940 \trowd \irow2\irowband2\ltrrow
\ts38\trgaph108\trleft1276\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11341199\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1384\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3119\clshdrawnil \cellx4395\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1660\clshdrawnil \cellx6055\clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1742\clshdrawnil \cellx7797\row \ltrrow}\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp2057 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid12714940\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Add 2nd years insurance}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid12714940 \cell }\pard \ltrpar
\s28\qr \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid664292 \hich\af0\dbch\af31505\loch\f0 $3,195.00}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid12714940 \cell \cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 
\ltrch\fcs0 \fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12714940 \trowd \irow3\irowband3\ltrrow
\ts38\trgaph108\trleft1276\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11341199\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1384\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3119\clshdrawnil \cellx4395\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1660\clshdrawnil \cellx6055\clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1742\clshdrawnil \cellx7797\row \ltrrow}\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp2057 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid664292\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Add advertising costs\cell }\pard \ltrpar\s28\qr \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid664292 \hich\af0\dbch\af31505\loch\f0 78.75\cell \cell }\pard\plain \ltrpar
\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid664292 \trowd \irow4\irowband4\ltrrow
\ts38\trgaph108\trleft1276\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11341199\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1384\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3119\clshdrawnil \cellx4395\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1660\clshdrawnil \cellx6055\clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1742\clshdrawnil \cellx7797\row \ltrrow}\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp2057 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid664292\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Additional sum\cell }\pard \ltrpar\s28\qr \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\lang1033\langfe1033\langfenp1033\insrsid664292\charrsid11341199 \hich\af0\dbch\af31505\loch\f0 14,273.28\cell 
\hich\af0\dbch\af31505\loch\f0 17,547.03\cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid664292 \trowd \irow5\irowband5\ltrrow
\ts38\trgaph108\trleft1276\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11341199\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1384\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3119\clshdrawnil \cellx4395\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1660\clshdrawnil \cellx6055\clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1742\clshdrawnil \cellx7797\row \ltrrow}\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp2057 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid664292\charrsid15891884 \cell }\pard \ltrpar\s28\qr \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang1033\langfe1033\langfenp1033\insrsid664292\charrsid15891884 \cell \hich\af0\dbch\af31505\loch\f0 $64,230.03}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid664292 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid664292 
\trowd \irow6\irowband6\ltrrow\ts38\trgaph108\trleft1276\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11341199\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1384\tblindtype3 
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3119\clshdrawnil \cellx4395\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth1660\clshdrawnil \cellx6055\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1742\clshdrawnil \cellx7797\row \ltrrow}\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp2057 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid664292\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Brought Forward\cell }\pard \ltrpar\s28\qr \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid664292\charrsid15891884 \cell \hich\af0\dbch\af31505\loch\f0 $64,230.03}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid664292 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid664292 \trowd \irow7\irowband7\ltrrow
\ts38\trgaph108\trleft1276\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11341199\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1384\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3119\clshdrawnil \cellx4395\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1660\clshdrawnil \cellx6055\clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1742\clshdrawnil \cellx7797\row \ltrrow}\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp2057 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid664292 \hich\af0\dbch\af31505\loch\f0 LESS}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid664292\charrsid15891884 \cell }\pard \ltrpar\s28\qr \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid664292\charrsid15891884 \cell \cell }\pard\plain \ltrpar
\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid664292 \trowd \irow8\irowband8\ltrrow
\ts38\trgaph108\trleft1276\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11341199\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1384\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3119\clshdrawnil \cellx4395\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1660\clshdrawnil \cellx6055\clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1742\clshdrawnil \cellx7797\row \ltrrow}\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp2057 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid664292\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Rebate\cell }\pard \ltrpar\s28\qr \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid11341199 \hich\af0\dbch\af31505\loch\f0 $ 8,377.20}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang1033\langfe1033\langfenp1033\insrsid664292\charrsid15891884 \cell \cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid664292 \trowd \irow9\irowband9\ltrrow
\ts38\trgaph108\trleft1276\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11341199\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1384\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3119\clshdrawnil \cellx4395\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1660\clshdrawnil \cellx6055\clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1742\clshdrawnil \cellx7797\row \ltrrow}\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp2057 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid664292\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Payments\cell }\pard \ltrpar\s28\qr \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid11341199 \hich\af0\dbch\af31505\loch\f0 16,371.65}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang1033\langfe1033\langfenp1033\insrsid664292\charrsid15891884 \cell \cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid664292 \trowd \irow10\irowband10\ltrrow
\ts38\trgaph108\trleft1276\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11341199\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1384\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3119\clshdrawnil \cellx4395\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1660\clshdrawnil \cellx6055\clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1742\clshdrawnil \cellx7797\row \ltrrow}\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp2057 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid664292 \hich\af0\dbch\af31505\loch\f0 Resale Price}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid664292\charrsid15891884 \cell }\pard \ltrpar\s28\qr \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid11341199\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 21,000.00}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid664292\charrsid15891884 \cell }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid11341199 \hich\af0\dbch\af31505\loch\f0 45,748.85 }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang1033\langfe1033\langfenp1033\insrsid664292\charrsid15891884 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid664292 \trowd \irow11\irowband11\ltrrow
\ts38\trgaph108\trleft1276\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11341199\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1384\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3119\clshdrawnil \cellx4395\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1660\clshdrawnil \cellx6055\clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1742\clshdrawnil \cellx7797\row \ltrrow}\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe2057\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp2057 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid11341199 \cell }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid11341199\charrsid15891884 \cell }\pard \ltrpar\s28\qr \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11341199\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid11341199\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 $18,481.18}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang1033\langfe1033\langfenp1033\insrsid11341199 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11341199 \trowd \irow12\irowband12\lastrow \ltrrow
\ts38\trgaph108\trleft1276\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11341199\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind1384\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3119\clshdrawnil \cellx4395\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1660\clshdrawnil \cellx6055\clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1742\clshdrawnil \cellx7797\row }\pard\plain \ltrpar
\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15891884 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 The plaintiff is also to have the costs of its claim.
\par \hich\af0\dbch\af31505\loch\f0 I turn now to consider the defendant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 s counterclaim.
\par \hich\af0\dbch\af31505\loch\f0 In it he alleges the Bill of Sale is "illegal",}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3672163 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
unenforceable and void."}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 The basis laid for this}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3672163 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
allegation is apparently an allegation in the defence that the defendant was called on to execute a Bill of Sale before he was the owner of the vehicle.
\par \hich\af0\dbch\af31505\loch\f0 In his\hich\af0\dbch\af31505\loch\f0 
 final address Mr Parmanandam mentioned not only that the defendant could not legally grant a bill of sale over a vehicle of which he was not the owner but he argued that the consideration in the Bill of Sale was not truly stated and by virtue of section 
\hich\af0\dbch\af31505\loch\f0 7\hich\af0\dbch\af31505\loch\f0  of the Bill of Sale, the Bill of Sale executed by the defendant must "be deemed fraudulent and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3672163 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 void."
\par \hich\af0\dbch\af31505\loch\f0 Mr Parmanandam in concluding his submissions conceded that if the Bill of Sale is held to be valid the defendant had no counterclaim.
\par \hich\af0\dbch\af31505\loch\f0 I do not consider t\hich\af0\dbch\af31505\loch\f0 here is any merit in the counter}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884\charrsid15891884 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 claim and am satisfied that the Bill of Sale was a valid Bill of Sale.
\par \hich\af0\dbch\af31505\loch\f0 I deal first with the allegation that the defendant was not the owner of the vehicle at the time he executed the bill of sale.
\par \hich\af0\dbch\af31505\loch\f0 I do not consider this de\hich\af0\dbch\af31505\loch\f0 fence is available to the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3672163 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 defendant.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
In clause 11 of the bill of sale the defendant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3672163 \hich\af0\dbch\af31505\loch\f0  declares that he "now h}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
ath good right and absolute authority to grant and assign the said chattels unto the mortgagee."
\par \hich\af0\dbch\af31505\loch\f0 The intention of the parties is clear that on execut\hich\af0\dbch\af31505\loch\f0 ing}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3672163 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 the bill of sale ownership was to pass.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3672163 
\hich\af0\dbch\af31505\loch\f0 It was not necessary, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 as Mr Parmanandam contends, that there had to be physical}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3672163 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 delivery of possession.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 On executing the bill of sale the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3672163 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 plaintiff became the legal owner of the vehicle and at the same time assig\hich\af0\dbch\af31505\loch\f0 ned the vehicle to the defendant by way of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3672163 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 security.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 Actual}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3672163 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
physical delivery of the vehicle was to be}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3672163 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
after execution of the document and pursuant to the provisions thereof which expressly permitted the plaintiff to retain possession until default was mad\hich\af0\dbch\af31505\loch\f0 e by him.
\par \hich\af0\dbch\af31505\loch\f0 As regards the argument that the true consideration was not shown in the bill of sale because certain matters which had }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
been }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 agreed were not included in the bill of sale, Mr Parmanandam has not appreciated that the consideration referred to in se\hich\af0\dbch\af31505\loch\f0 
ction 7 of the Bill of Sale Act is the consideration which the grantor, the defendant, }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 receives }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 not the sum he covenants to pay.
\par \hich\af0\dbch\af31505\loch\f0 Mr Parmanandam argued that the }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 retail }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 price should have been less the rebate of duty the Government allowed for a vehicle used \hich\af0\dbch\af31505\loch\f0 
in the timber industry. This amounted to $8,377.20. There is no merit in this argument as it was not certain that the defendant would get the rebate or when}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4801707 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 he would get it.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 In any event when it was received by the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4801707 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
plaintiff it was applied, with the defend\hich\af0\dbch\af31505\loch\f0 ant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 s approval, in payment of instalments payable under the bill of sale.
\par \hich\af0\dbch\af31505\loch\f0 The consideration the defendant received was the sale}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4801707 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 
\hich\af0\dbch\af31505\loch\f0 to him of the vehicle on terms. This was correctly stated in the bill of sale.
\par \hich\af0\dbch\af31505\loch\f0 The defendant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15891884\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13191250\charrsid15891884 \hich\af0\dbch\af31505\loch\f0 
s counterclaim is dismissed with costs to the plaintiff.
\par }\pard\plain \ltrpar\s28\qc \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4801707 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid6238431 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid4801707\charrsid4801707 \hich\af0\dbch\af31505\loch\f0 R.G. Kermode
\par }\pard \ltrpar\s28\qc \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6238431 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid15891884\charrsid4801707 \hich\af0\dbch\af31505\loch\f0 JUDGE}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\insrsid4801707 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6238431 
\par }\pard \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4801707 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4801707 \hich\af0\dbch\af31505\loch\f0 SUVA,
\par \hich\af0\dbch\af31505\loch\f0 11th July, 1985}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4801707\charrsid15891884 
\par }{\*\themedata 504b030414000600080000002100e9de0fbfff0000001c020000130000005b436f6e74656e745f54797065735d2e786d6cac91cb4ec3301045f748fc83e52d4a
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