{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff0\deff0\stshfdbch31505\stshfloch31506\stshfhich31506\stshfbi0\deflang2057\deflangfe2057\themelang1033\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;}{\f41\fbidi \fmodern\fcharset0\fprq1{\*\panose 020b0609040504020204}Lucida Console;}
{\f43\fbidi \fswiss\fcharset0\fprq2{\*\panose 00000000000000000000}Verdana;}{\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};}{\f44\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\f45\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\f47\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\f48\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\f49\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\f50\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\f51\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\f52\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\f64\fbidi \fmodern\fcharset238\fprq1 Courier New CE{\*\falt Courier New};}{\f65\fbidi \fmodern\fcharset204\fprq1 Courier New Cyr{\*\falt Courier New};}{\f67\fbidi \fmodern\fcharset161\fprq1 Courier New Greek{\*\falt Courier New};}
{\f68\fbidi \fmodern\fcharset162\fprq1 Courier New Tur{\*\falt Courier New};}{\f69\fbidi \fmodern\fcharset177\fprq1 Courier New (Hebrew){\*\falt Courier New};}{\f70\fbidi \fmodern\fcharset178\fprq1 Courier New (Arabic){\*\falt Courier New};}
{\f71\fbidi \fmodern\fcharset186\fprq1 Courier New Baltic{\*\falt Courier New};}{\f72\fbidi \fmodern\fcharset163\fprq1 Courier New (Vietnamese){\*\falt Courier New};}{\f414\fbidi \fswiss\fcharset238\fprq2 Calibri CE{\*\falt Calibri};}
{\f415\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr{\*\falt Calibri};}{\f417\fbidi \fswiss\fcharset161\fprq2 Calibri Greek{\*\falt Calibri};}{\f418\fbidi \fswiss\fcharset162\fprq2 Calibri Tur{\*\falt Calibri};}
{\f421\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic{\*\falt Calibri};}{\f422\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese){\*\falt Calibri};}{\f444\fbidi \froman\fcharset238\fprq2 Cambria CE;}{\f445\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}
{\f447\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\f448\fbidi \froman\fcharset162\fprq2 Cambria Tur;}{\f451\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}{\f452\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}
{\f454\fbidi \fmodern\fcharset238\fprq1 Lucida Console CE;}{\f455\fbidi \fmodern\fcharset204\fprq1 Lucida Console Cyr;}{\f457\fbidi \fmodern\fcharset161\fprq1 Lucida Console Greek;}{\f458\fbidi \fmodern\fcharset162\fprq1 Lucida Console Tur;}
{\f474\fbidi \fswiss\fcharset238\fprq2 Verdana CE;}{\f475\fbidi \fswiss\fcharset204\fprq2 Verdana Cyr;}{\f477\fbidi \fswiss\fcharset161\fprq2 Verdana Greek;}{\f478\fbidi \fswiss\fcharset162\fprq2 Verdana Tur;}
{\f481\fbidi \fswiss\fcharset186\fprq2 Verdana Baltic;}{\f482\fbidi \fswiss\fcharset163\fprq2 Verdana (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\cgrid\langnp3081\langfenp1033 \snext0 \spriority0 \styrsid8933411 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\cgrid\langnp1033\langfenp1033 \snext20 \slink15 \sunhideused \sqformat \spriority9 \styrsid8933411 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\cgrid\langnp3081\langfenp1033 
\sbasedon1 \snext20 \slink16 \sunhideused \sqformat \spriority9 \styrsid8933411 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\cgrid\langnp3081\langfenp1033 \sbasedon2 \snext20 \slink17 \sunhideused \sqformat \spriority9 \styrsid8933411 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\f37\fs24\cf17\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext0 \slink18 \ssemihidden \sunhideused \spriority9 \styrsid8933411 heading 4;}{\*\cs10 \additive \sunhideused \spriority1 \styrsid8933411 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\lang2057\langfe2057\loch\f31506\hich\af31506\dbch\af31505\cgrid\langnp2057\langfenp2057 \snext11 \ssemihidden \sunhideused 
Normal Table;}{\*\cs15 \additive \b\f0\fs28\lang1033\langfe1033\langnp1033\langfenp1033 \slink1 \slocked \spriority9 \styrsid8933411 Heading 1 Char;}{\*\cs16 \additive \b\f0\fs26\lang3081\langfe1033\langnp3081\langfenp1033 
\slink2 \slocked \spriority9 \styrsid8933411 Heading 2 Char;}{\*\cs17 \additive \b\i\f0\fs26\lang3081\langfe1033\langnp3081\langfenp1033 \slink3 \slocked \spriority9 \styrsid8933411 Heading 3 Char;}{\*\cs18 \additive 
\b\i\f37\fs24\cf17\lang3081\langfe1033\langnp3081\langfenp1033 \slink4 \slocked \ssemihidden \spriority9 \styrsid8933411 Heading 4 Char;}{\s19\qj \fi-601\li2041\ri0\sb240\sa240\widctlpar
\jclisttab\tx1440\wrapdefault\aspalpha\aspnum\faauto\ls21\outlinelevel0\adjustright\rin0\lin2041\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext19 \sqformat \spriority0 \styrsid8933411 
Num List 1;}{\s20\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls19\outlinelevel0\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\snext20 \sqformat \spriority0 \styrsid8933411 Paragraph - Numbered;}{\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\outlinelevel0\adjustright\rin0\lin1440\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext21 \sqformat \spriority0 \styrsid8933411 Indent1;}{\s22\qj \fi-601\li2761\ri0\sb240\sa240\widctlpar
\jclisttab\tx2160\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\outlinelevel1\adjustright\rin0\lin2761\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
\sbasedon19 \snext22 \sqformat \spriority0 \styrsid8933411 Num List 2;}{\s23\qj \fi-601\li3481\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl2\outlinelevel2\adjustright\rin0\lin3481\itap0 \rtlch\fcs1 \af0\afs24\alang1025 
\ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon22 \snext23 \sqformat \spriority0 \styrsid8933411 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\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext24 \ssemihidden \sqformat \spriority0 \styrsid8933411 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\cgrid\langnp3081\langfenp1033 
\sbasedon24 \snext25 \ssemihidden \sqformat \spriority0 \styrsid8933411 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\cgrid\langnp3081\langfenp1033 \sbasedon25 \snext26 \ssemihidden \sqformat \spriority0 \styrsid8933411 Quote 3;}{
\s27\qj \fi-720\li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls11\outlinelevel0\adjustright\rin0\lin1440\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
\sbasedon19 \snext27 \sqformat \spriority34 \styrsid8933411 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\cgrid\langnp1033\langfenp1033 \snext28 \slink29 \styrsid8933411 Body Text;}{\*\cs29 \additive \f0\fs20\lang1033\langfe1033\langnp1033\langfenp1033 \slink28 \slocked \styrsid8933411 Body Text Char;}{
\s30\qj \li2160\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\ilvl1\outlinelevel1\adjustright\rin0\lin2160\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
\sbasedon21 \snext30 \sqformat \spriority0 \styrsid8933411 Indent2;}{\s31\qj \li2880\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\ilvl2\outlinelevel2\adjustright\rin0\lin2880\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon30 \snext31 \sqformat \spriority0 \styrsid8933411 Indent3;}{\s32\qj \fi-601\li2761\ri0\sb240\sa240\widctlpar
\jclisttab\tx2160\wrapdefault\aspalpha\aspnum\faauto\ls23\ilvl1\outlinelevel1\adjustright\rin0\lin2761\itap0\contextualspace \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon36 \snext32 \styrsid8933411 List Bullet 2;}{\s33\qj \fi-601\li3481\ri0\sb240\sa240\widctlpar\jclisttab\tx2880\wrapdefault\aspalpha\aspnum\faauto\ls23\ilvl2\outlinelevel2\adjustright\rin0\lin3481\itap0\contextualspace \rtlch\fcs1 
\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon32 \snext33 \styrsid8933411 List Bullet 3;}{\s34\qc \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 
\rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \b\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext34 \sqformat \spriority0 \styrsid8933411 Judgment Heading;}{
\s35\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext35 \sqformat \spriority0 \styrsid8933411 
Judgment Coversheet;}{\s36\qj \fi-601\li2041\ri0\sb240\sa240\widctlpar\jclisttab\tx1440\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin2041\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
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\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3415283\charrsid8933411 IN THE SUPREME COURT OF FIJI
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid469579\charrsid8933411 Civil Jurisdiction
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid8933411 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid8933411 Action No. 633 of 1984
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid8933411 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid8933411 Between:
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\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid469579\charrsid8933411 HASID ALI}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid8933411  (f/n Wazid Ali)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid8933411 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid8933411 Plaintiff
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid8933411 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid8933411 and
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\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid469579\charrsid8933411 ASHNI KUMAR}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid8933411  (f/n Behari Maharaj)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid8933411 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid8933411 Defendant
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid8933411 
\par }\pard \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8933411 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 Mr S.P. Shankar for the Plaintiff
\par Messrs}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13109358  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 P.I. Knight and H.K.Nagin for the Defendant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579 
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\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8933411\charrsid8933411 
\par }\pard\plain \ltrpar\s34\qc \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3415283 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \b\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid8933411 JUDGMENT
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3415283 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 The Statement of Claim in this action is a somewhat confused one. After hearing both the plaintiff and the defendant that confusion has not been dispelled.
\par The allegations in the statement of claim are in the main criticism of the securities, in support of an allegation that the securities are illegal and null and void. There are also allegations made of fraud.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11945876 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
There are contradictory claims for relief. For instance the first claim for relief is for a declaration that the security documents executed by the plaintiff in favour of the defendant are illegal null and void. That}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11945876  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 is followed by an order for accounts.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 There is also a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11945876  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 claim for repayment of all moneys that the plaintiff had paid to the defendant being payments made by him on}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11945876  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 account of moneys some of which he does not deny were advan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11945876 
ced to him by the plaintiff. He }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 also seeks damages.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid11945876 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 None of these claims to relief are expressed to be in the alternative.
\par Groping my way through the lengthy and confused pleading and considering the evidence before me what the plaintiff really complains about is that the defendant was at all relevant t
imes an unregistered moneylender within the meaning of that term in the Moneylenders Act. The plaintiff alleges that the contract or contracts for repayment of the moneys purportedly lent to the plaintiff by the defendant is or are therefore unenforceable
.
\par That is the issue I propose to consider. Consideration of this issue does not require me to consider the accounts in any detail.
\par If the contract/s for repayment of the loans is/are unenforceable it }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11945876 follows that the securities can }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 not be enforced and there
 would be no need for any order for accounts.
\par The issues as I see them are:
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid11803939 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11945876 1. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 Was the de}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11945876 
fendant at all relevant times a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 moneylender as defined in the Moneylenders}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid3415283 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid469579\charrsid3415283  Act, and
\par {\listtext\tab}2.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 Are the securities or any of them unenforceable.
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11945876 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 Dealing with the first issue. There is no dispute that the defendant at no relevant time held a license under the Moneylenders}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid3415283 '}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid469579\charrsid3415283  Act.
\par Nor is it in dispute that the defendant lent money to the plaintiff in consideration of his paying interest thereon to the defendant.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7417167 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3112735 Section 3}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid469579\charrsid3415283  of the Moneylenders}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid3415283 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283  Act provides as follows:-
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid11803939 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3112735 "3. Save }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 as excepted in paragraphs (a), (b), (c) and (d) of the definit
ion of "moneylender" in section (2), any person who lends a sum of money in consideration of a larger sum being repaid shall be presumed until the contrary be proved to be a moneylender."
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15668517 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 The definition of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid3415283 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 moneylender}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3415283\charrsid3415283 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283  in Section 2 is as follows:
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid4533526 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 "moneyl
ender" includes every person whose business is that of moneylending or who carries on or advertises or announces himself or holds himself out in any way as carrying on that business whether or not that person also possesses or earns property or money deri
ved from sources other than the lending of money and whether or not that person carries on the business as a principal or as an agent but does not include -
\par {\listtext\tab}}\pard\plain \ltrpar\s30\qj \li2160\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\ilvl1\outlinelevel1\adjustright\rin0\lin2160\itap0\pararsid4533526 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15668517 (a) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 any body corporate incorporated or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15668517  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 empowered by any written law or Imperial enactment to lend money in accordance with such law or enactment; or
\par {\listtext\tab}(Substituted by 13 of 1977, s.13.)
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15668517 (b) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 any person bon}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15668517 a fide carrying on the business }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid469579\charrsid3415283 of banking or insurance or bona fide carrying on any business not having for its primary object the lending of money in the course of of which and for the purposes wh}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15668517 
ereof he lends money at a rate o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 f interest not exceeding ten per cent per annum; or
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15668517 (c) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 any pawnbroke}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15668517 r licensed under the provisions }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid469579\charrsid3415283 of the Second-Hand Dealers Act; or
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15668517 (d) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 any body corporate for the time bein}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14625662 g exempted }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid469579\charrsid3415283 by the Minister from the provisions of this Act.
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14625662 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 The defendant is a retired bus proprietor. He first met the plaintiff in 1977 when one Shiriram, a bailiff came with him to see the defendant. He, at that time wanted a loan which was not given to him.

\par The defendant said that on many occasions thereafter the plaintiff came to him for loans and the defendant lent him money.
\par In 1981 the defendant lent the plaintiff money from time to time and the plaintiff used to give him cheques in return. The cheques were not honoured and the defendant sued and obtained judgment for $13,200. After that he lent}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid14625662  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 the plaintiff $1000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 The plain}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14625662 tiff later asked him for a }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 loan to pay off one Ram Lakhan to whom the plaintiff had given a mortgage. The defendant agreed and the plaintiff executed a mortgage for $52,000 in favour of the defendant.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid469579\charrsid14625662 
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9271602 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
The mortgage registered under No. 195484, and dated the 2nd October 1982 was a second mortgage which purported to record therein that the defendant had on that date advanced to the plain
tiff the sum of $52,000. That was not factual. The mortgage according to the defendant included the judgment debt and other expenses which the plaintiff alleged he had previously paid but he produced no receipts for any payments in support of that content
ion.
\par The mortgage provided for 13% interest, a rate which commercial banks were then charging but which was in excess of the rate an unregistered moneylender could charge. The rate that a private individual could then charge was 10%}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12994794  (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 subsection (5) of section 22 of the Moneylenders}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid3415283 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid469579\charrsid3415283  Act.)
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12994794 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
After the documents purporting to secure a loan of $52,000 were executed, the defendant continued to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12994794  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 
lend him sums of money.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12994794 Those advances should have }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 been recorded by memoranda of further advances since they were intended to be further advances under the mortgage. The sums, the defendant said were not large}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid12994794  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 sums.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 Exhibit 10 seems}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12994794  to indicate there were 5 loans }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 all within 5 days of the day the defendant alleged he made $35,000 available. The five loans he made totalled the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12994794  
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 sum of $8,595 which the defendant said he }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3566178 made}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283  the plaintiff acknowledge in writing.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid12994794 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 He later lent the plaintiff more money on several occasions.
\par On 24th Janu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12994794 ary 1983, the parties gave their}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283  solicitors instructions to upstamp the mortgage by}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12994794  }
{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 a further $38,000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 The }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12994794 variation of mortgage, executed }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 by the parties (Exhibit 23) records receipt of the sum of $38,000 and that the principal sum secured by the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12994794  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 mortgage was increased to $90,000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid12994794 The variation }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 confirmed that the rate of interest remained at 13%.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid469579\charrsid12994794 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 A fur
ther variation was signed by the parties on the 13th December, 1983 recording that a further sum of $10,000 had been received as a further advance under the mortgage increasing the principal sum secured to $100,000.
\par The defendant said that prior to lending money to the plaintiff he had made a number of loans - the number he could not remember. He said in answer to a question from Mr Knight that the number could be}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12994794  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 4 or 5.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 He took security for loans by way of mortgage.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid12994794 
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2954720 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
He said that he had not advertised that he was in the business of moneylending but he admitted that Shiriram the bailiff would from time to time inform him that people were in trouble and he would help them financially. Shiriram was a bailiff and in a pos
ition}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2954720  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 to know when people were, in financial trouble.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid2954720 As }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 
bailiff he would execute writs of fieri facias.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid2954720 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 The defendant admitted that when he lent money to other people he charged interest. He stated he did not charge more than 10% interest but he and plaintiff had agreed to 13% interest.
\par In cross-examination he admitted that Shiriam as a middle man knew who wanted money and he knew the defendant had money which the defendant would lend on interest. The defendant said this was the situation up to the time Shi
riram brought the plaintiff to see him.
\par The defendant admitted making many loans to the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2954720  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 plaintiff but he alleged that initially he charged no}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid2954720  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 interest.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 On this issue I prefer the plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid2954720 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 s story}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid2954720  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 that interest was charged on his loans but he did not establish that the rate was 40%.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid2954720 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 There can be no doubt whatsoever that the defendant was at all relevant times a moneylender within the meaning}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2954720  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 of that term in the Moneylender}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283\charrsid3415283 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 s Act and I so hold.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid2954720 He }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 paid interest on overdrafts to his bank while lending at interest. He used his solicitors}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid3415283\charrsid3415283 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283  offices in which to transact business, at least the documentation was}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid2954720  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 done there, and they collected payments.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid2954720 In respect }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 
of the plaintiff he lent sums according to the documents}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid2954720  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 up to a total of $100,000.}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 He had no need to advertise}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid2954720  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 because Shiriram was aware the defendant had money and would make loans.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid469579\charrsid2954720 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 As the defendant did not at any time take out a moneylender}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid3415283 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
s licence any contract entered into by the defendant for repayment of money lent by him, an unlicensed moneylender, to the defendant, a borrower, must be held to be unenforceable unless the loans are exempted by section 29 of the Act.
\par Section 29 provides as follows:
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid923531 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 "29 - (1) This Act shall not apply to any loan which fulfils all the following conditions, and no such 
loan shall be taken into consideration in determining whether or not a person is a moneylender:-
\par {\listtext\tab}}\pard\plain \ltrpar\s30\qj \li2160\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\ilvl1\outlinelevel1\adjustright\rin0\lin2160\itap0\pararsid923531 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 (a)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
the loan is secured by a registered}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2954720  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid2954720 mortgage of freehold or leasehold land with or without collateral security;
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 (b)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 the rate of interest charged does not}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid2954720  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid2954720 exceed ten per cent per annum or such other rate as may from time to time be fixed by the Minister in pursuance of the power conferred upon him so to do;}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579 
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid347734 (c) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2954720\charrsid3415283 the rate of interest (if any) is expressed in such mortgage in terms of a rate per cent per annum;
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid347734 (d) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2954720\charrsid3415283 
the conditions as to interest on the loan do not conflict with the provisions as to interest prescribed by section 17 in the case of loans by moneylenders:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2954720\charrsid2954720 
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 Provided that for the purposes of this paragraph a provision for the reduction of interest on prompt payment shall not be deemed to conflict with that section;
\par {\listtext\tab}(e)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 the loan is not subject to any agreement for}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid347734  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid469579\charrsid347734 the payment by the borrower of any costs, charges or expenses other than the following:-
\par {\listtext\tab}}\pard\plain \ltrpar\s31\qj \li2880\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\ilvl2\outlinelevel2\adjustright\rin0\lin2880\itap0\pararsid923531 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid347734 (i}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid469579\charrsid3415283 costs, charges or expenses which}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid347734  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
are properly incurred in connexion with the negotiations for or the granting of the loan or any necessary documents incidental thereto;
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid347734 (ii) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 costs, charges or expenses properly
 incurred in connexion with protecting, maintaining, preserving, varying, discharging, renewing, realizing or attempting to realize any security for the loan, or making good any default by or discharging any outgoing payable by the borrower;
\par {\listtext\tab}}\pard \ltrpar\s31\qj \li2880\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\ilvl2\outlinelevel2\adjustright\rin0\lin2880\itap0\pararsid8740930 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid347734 (iii) }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid469579\charrsid3415283 any other costs, charges or expenses necessarily and properly incurred by the lender as a result of any request by the borrower;
\par {\listtext\tab}(iv)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 interest at a rate not exceeding the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid347734  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid469579\charrsid3415283 rate permitted under this section on any such costs, charges and expenses as aforesaid if incurred by the lender.
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid8740930 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 (2)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
The Minister may from time to time, by notice}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid347734  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
in the Gazette, vary, in relation to loans made at any date subsequent to such notice, the rate of interest specified in subsection (1). (Inserted by 22 of 1957, ss. 2 and 4)".}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14299960 
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14299960 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 Interest has now been increased from 10% to 12%}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14299960  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 (vide Legal Notice No. 22 of 1982 made by the Minister}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 of Finance pursuant to subsection (2)).}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid14299960 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 Unless the defendant can rely on section 29 the law is clear that the contract or contracts for repayment of money lent by him to the plaintiff will be not enforceable.
\par Section 15 of the Act provides:
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid8740930 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 "15. No contract for the repayment of money lent after the commencement of this Act by an unlicensed moneylender shall be enforceable."

\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14299960 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 The mortgage executed by the plaintiff on the 21st October 1982, and subsequently registered as}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14299960  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 No. 195484, purported to secure the sum of $52,000 allegedly}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14299960  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 lent and advanced on the 21st October, 1982.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid14299960 This }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 was not factual.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid14299960 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 Mr Patel did not seem to appreciate that he was dealing with trust moneys belonging to the plaintiff.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14299960  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 No moneys were advanced by the defendant to the plaintiff on the day the mortgage was executed. Mr Patel as solicitor acting for both the parties at the time should have had the defendan
t pay the moneys which were being advanced to the plaintiff into his trust account with Sherani & Co., before requiring the plaintiff to execute the securities.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid14299960 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 One of the accounts prepared for the plaintiff by Messrs. Sherani & Co. during the hearing indicates the sum of $52,000 was advanced in cash on 23.10.82.
\par The plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
s account prepared by the same firm indicates the defendant paid the firm $35,000 on 25th October 1982 and $3,395 the following day. The sums totalling $38,395 were paid to Mr Ram Lakhan.
\par Mortgage No. 195484 does not indicate therein that it is collateral to and secures the same moneys as are secured by Bills of Sale 82/3875 and 82/3876. Nor do either of those Bills of Sale record that each bill of sale is collateral to the other and to
 the mortgagee. On the face of the bills of sale each of the registrations of them would appear to be void.
\par Section 11 of the Bills of Sale Act provides as follows:-
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid2627176 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 "11. If a bill of sale is made or given subject to any defeasance, or condition, or decla
ration, of trust, not contained in the body thereof, such defeasance; condition or declaration shall he deemed to be part of the bill, and shall be written on the same paper or parchment therewith before registration; otherwise the registration shall be v
oid:
\par {\listtext\tab}
Provided that in the case of a document securing the payment of the moneys or any part thereof payable by virtue of a bill of sale it shall not be necessary for the purposes of this section to write such document on the same paper or parchment so long
 as the date, names of the parties thereto and the nature of the security are set forth in the bill of sale or in some schedule thereto."
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14047081 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 Since Counsel did not raise this issue and I am of the view in any event that the Bills of Sale are not enforceable for another reason, which I shall refer to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14047081  
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 later,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 I make no fin}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14047081 ding that the bills of sale are }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 caught by section 11.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid14047081 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 The defendant had difficulty in establishing that $52,000 was in fact owing. His solici
tors prepared the account (Exhibit 41) which discloses that no moneys were advanced to the plaintiff on the day he executed the mortgage. The account is as follows:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579 
\par }\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\tx3125\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4408133 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid2627176\charrsid14486997 21.10.1982 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid2627176 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid2627176 
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts38\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid4408133\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3125\clshdrawnil \cellx3017\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth3125\clshdrawnil \cellx6142\pard \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid4408133\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133\charrsid3415283 Balance Amount
\par owing under Supreme Court Judgment in Action No. 735 of 1981}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133\charrsid15013934 \cell }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133\charrsid3415283 $12,225.00
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133 \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\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4408133 \trowd \irow0\irowband0\ltrrow
\ts38\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid4408133\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3125\clshdrawnil \cellx3017\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3125\clshdrawnil \cellx6142\row \ltrrow
}\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid4408133\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133\charrsid3415283 Interest on $12,225.00 from 6th December, 1981 to 21st October, 1982 at 10%}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133 \cell }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133\charrsid3415283 $ 1,071.78ct}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133 \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\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4408133 \trowd \irow1\irowband1\ltrrow
\ts38\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid4408133\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3125\clshdrawnil \cellx3017\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3125\clshdrawnil \cellx6142\row \ltrrow
}\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid4408133\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133\charrsid3415283 Fees paid to R.I.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid2627176  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133\charrsid3415283 Kapadia & Co.,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133\charrsid3415283 for the above action\cell $}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133\charrsid3415283 200.00
\par \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\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid4408133 \trowd \irow2\irowband2\ltrrow
\ts38\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid4408133\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3125\clshdrawnil \cellx3017\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3125\clshdrawnil \cellx6142\row \ltrrow
}\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid4408133\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133\charrsid3415283 Fees paid to Sherani & Co., for issuing of two Bankruptcy Notices\cell }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133 $ 120.00}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133\charrsid3415283 \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\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4408133 
\trowd \irow3\irowband3\lastrow \ltrrow\ts38\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid4408133\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3125\clshdrawnil \cellx3017\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth3125\clshdrawnil \cellx6142\row }\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\tx3125\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4408133 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid2627176 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid2627176\charrsid14486997 25.10.82}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid2627176 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid2627176\charrsid3415283 
\par \ltrrow}\pard \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid4408133\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133\charrsid3415283 
Paid Sherani & Co., to discharge}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid15810219  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133\charrsid3415283 
Mortgage over C.L.4306 to Mr Ram Lakhan
\par \cell }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133 $35,000.00}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133\charrsid3415283 \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\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4408133 
\trowd \irow0\irowband0\lastrow \ltrrow\ts38\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid4408133\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3125\clshdrawnil \cellx3017\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth3125\clshdrawnil \cellx6142\row }\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\tx3125\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4408133 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid15810219 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid15810219\charrsid14486997 26.10.1982}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid15810219 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid15810219\charrsid3415283 
\par \ltrrow}\pard \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid4408133\yts38 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133\charrsid3415283 
Paid Sherani & Co., to discharge
\par Mortgage over C.L.4306 to Mr Ram Lakhan
\par \cell }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133\charrsid4408133 $ 3,395.00\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\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4408133 \trowd \irow0\irowband0\ltrrow
\ts38\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid4408133\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3125\clshdrawnil \cellx3017\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3125\clshdrawnil \cellx6142\row \ltrrow
}\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid4408133\yts38 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133\charrsid3415283 \cell }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133 $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid15810219 52,011.78c}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid4408133\charrsid3415283 \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\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4408133 \trowd \irow1\irowband1\lastrow \ltrrow
\ts38\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid4408133\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3125\clshdrawnil \cellx3017\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3125\clshdrawnil \cellx6142\row 
}\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14486997 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 In respect of this account I have the following comments to make:
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid15810219 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14486997 1. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
The sum of $12,225 was the amount alleged to be owing under judgment in Action 735 of 1981.
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14486997 2. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 $1071.78 is interest on that sum at the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14486997  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid14486997 rate of 10%.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283\charrsid14486997  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14486997 
Interest on judgment debts }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid14486997 in 1982 under the rules of the Supreme Court}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14486997  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid14486997 was at the rate of 5%.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283\charrsid14486997  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid14486997 Interest on}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14486997  this sum }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid14486997 was compounded when it was capitalised and included in the $52,000 alleged loan.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid14486997 
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14486997 3. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 The plaintiff was not legally liable to pay the defendant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid3415283 '}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 s solicitor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid3415283 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 s costs of $200. The j
udgment debt included court costs payable by him.
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14486997 4. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
Nor was the plaintiff legally liable to pay Messrs Sherani & Co, the costs of the two bankruptcy notices which at a cost of $120 appears an exorbitant charge.
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14486997 5. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 The additional sum of $11.78 was appare
ntly written off as a generous gesture if true. The defendant did not strike me as being a person who would write off any money which he did not have to write off. I suspect that the defendant was unable to come up with an account confirming $52,000 was o
wing. Mr Patel admitted he did not have on his file anything to confirm the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14486997  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 accuracy of the figures in the account.
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14486997 6. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 There is nothing left out of the $52,000 with which the plaintiff could meet the solicitor}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3415283\charrsid3415283 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 s costs which I have no doubt the plaintiff was called on to pay.
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13178281 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
On the 29th January 1983 the parties executed a variation of the mortgage which both parties signed. It purported to record a receipt of $38,000 by the defendant. That is not the usual way of recording a further advance. It is
 normally done by way of a Memorandum of Further Advance. The sum of $38,000 was not in fact one advance but the total of several alleged advances. The document is of interest because it confirms the interest rate of 13%.
\par A little over three months later on 2nd May, 1983 another variation of the mortgage was prepared by Mr Patel which was executed only by the defendant.
\par The variation in the circumstances prevailing is a most unusual one. After reciting the particulars of the mortgage the parties and the land the actual variation is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13178281  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 stated in very brief terms.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 It states:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid13178281 
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid1971968 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid469579\charrsid532386 Is hereby varied}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid469579\charrsid3415283 : That the interest rate is hereby decreased to ten per cent per annum with effect from the 21st day of October 1982."
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13178281 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 The October date is the date of the execution of the mortgage.
\par The variation was registered on the 24th May,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13178281  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 1983.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid13178281 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
About the end of April 1983 the plaintiff in Supreme Court Action 417 of 1982 had commenced action against the defendant claiming (inter alia) that the defendant was an unregistered moneylender.
\par The defendant would not admit that the variation of interest from 13% to 10% was a direct result of the plaintiff commencing action in Civil Action 417 of 1982.
\par I do not think there can be any doubt that the variation was a direct result of the action. Mr Patel when cross-examined said he had in mind section 29 of the Moneylender}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid3415283 '}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid469579\charrsid3415283 s Act which excluded from the Act registered mortgages on land in which (inter alia) interest charged was not in excess of 10%.
\par Mr Patel said that he knew before Action 417 of 1983
 commenced that the mortgage might be caught by the provisions of the Moneylenders Act. Mr. Patel drew no documents varying the two collateral Bills of Sale. He expressed the view that variation of the mortgage would automatically effect variation of the 
Bills of Sale.
\par If it was necessary to also vary the bills of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13178281  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid532386 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 
ale there was one significant difference.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13178281 Any variation }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 of the terms of the Bill of Sale, if it could be effected by a deed of variation without preparing new Bills of Sale, would require execution of the deed by both parties.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid469579\charrsid13178281 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
A variation of the mortgage prepared by Mr Patel could and was in this instance registered with only the signature of the defendant as mortgagee. The proviso to section 66 of the Land Transfer Act specifically states that it 
shall not be necessary for a mortgagor to execute a memorandum of reduction of the interest payable under the mortgage.
\par Mr Patel did not have the plaintiff execute the variation and I am satisfied that was deliberate and that the plaintiff knew nothing about it at the time.
\par The defendant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid3415283 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
s evidence on this issue satisfies me that the variation was not the result of any agreement between the parties to reduce the interest.
\par The defendant said:
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid10966768 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 "Mr Patel advised me to sign the variation reducing interest to 1
0%. I did not decide this he did. I was advised 13% only applicable to banks and my interest was 10%."
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13178281 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 There was a further variation of the mortgage dated the 13th December 1983 which both parties did sign.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12611104 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 The body of the document commences:
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid10966768 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 "Is hereby varied as follows:
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12611104 (1) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 - (not relevant)
\par {\listtext\tab}(2)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12611104 \endash  "              "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12611104 (3) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 - The interest rate remains at 10% (per cent) per annum."
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12611104 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 Although Mr Patel witnessed the execution of this document which contains the
 usual certificate that he had read over and explained the contents of the document to the plaintiff I can not with regret accept that certificate. Mr Patel was not very convincing when giving evidence on}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12611104  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 this sensitive issue. His handling of the various}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12611104  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 transactions left much to be desired.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid12611104 Had he taken }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 
the precaution of sending the plaintiff to another solicitor for advice and that solicitor had witnessed the signature of the plaintiff I would accept that the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12611104  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 parties had}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12611104  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 agreed to or confirmed the reduction.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid11497772 As }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 
it is I am satisfied the purported variation did not record any agreement by the parties to reduce the rate of interest.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid12611104 
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11497772 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
On 26th September 1983 and 13th February 1984 Mr Patel prepared papers calling up the moneys allegedly owing under the two Bills of Sale and the mortgage.
\par In respect of each of the two demands under the Bills of Sale he demanded on behalf of the defendant the sum of $150 for bailif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11497772 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid469579\charrsid3415283 s seizure costs and possession although there had been no seizure before the demand and $100 solicitor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11497772 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
s costs. Those claims were in my view exhorbitant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11497772  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 and so far as the claim to solicitor}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3415283\charrsid3415283 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
s costs was concerned (which only involved a notice) quite improper. It is an extension of the practice in Fiji of some solicitors claiming excessive legal fees for writing a letter threatening to sue if debt }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\ul\insrsid469579\charrsid11497772 and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283  legal costs were not paid. The debtor is not obliged to pay the costs of the demand.
\par It is interesting to note in regard to the costs claimed that Mr Pate}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5995561 l when preparing an account for }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 the plaintiff in respe
ct of the alleged advance of $52,000 does not disclose that there was any surplus available to pay his firm}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid3415283 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 s fees. His firm}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid3415283 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 s account discloses that only $38,395 was received and the whole of it was paid out to Ram Lakhan.
\par Mr Patel had an account prepared which was produced to the Court. He must have known that the account was not}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11497772  correct from the very first ent}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5995561 
ry which purports to sh}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 ow that }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid469579\charrsid5995561 cash}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
 amounting to $52,000 was advanced on 23.10.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5995561 8}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 2.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10758486 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
The Court queried the absence of costs payable by the plaintiff to Mr Patel}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283\charrsid3415283 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
s firm and a corrected account was then produced showing that the defendant had paid the firm $2,000 on behalf of the plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3415283 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10758486 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid469579\charrsid3415283 s costs on 28.2.83.
\par Mr Patel says there were on that day two payments of $2,000 each one by the plaintiff to the credit of the defendant and the payment by the defendant to Messrs. Sherani & Co which is stated to be an advance to the plaintiff in payment of their legal fees.

\par It was not explained by Mr Patel if the second account was correct that despite the addition of $741.75 interest which should have resulted in the balance alleged to be owing being the sum of $88,173.45 the account shows that balance was $86,077.45.

\par The account is suspect and if I were concerned wi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10758486 th the issue of accounts I would}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283  reject it.
\par Mr Patel obviously had access to other figures which he did not disclose to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10758486  the Court. He signed the demand}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283  notices calling up the loans.
\par The first demand indicates balance due as at 26th September 1983 was $86,535. The account he prepared discloses that on 28.2.83 the loan balance was $86,077.45 and at no time from that date to 15.10.83 did the account}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10758486  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 rise to $86,535.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 On that date}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid10758486 
the balance was $83,415.49. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 The demand appears to be for about $3000 more than the account indicates was then owing.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid469579\charrsid10758486 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 I have spent some time on this aspect of the accounts which I felt was necessary to indicate why I believe Mr Patel could have told the Court a great more}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10758486  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 about the transactions between the parties.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid10758486 I am left in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 the position where, with regret, I can not a
ccept his testimony except where it is supported by documents or admitted by the plaintiff.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid1248548 
I turn now to consider section 29 of the Moneylenders' Act on which the defendant is forced to rely if his securities are not to be held to be unenforceable because the contract or contracts to repay the money lent is/are unenforceable.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid1248548\charrsid10758486 
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11812012 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
I hold as a fact that the variation of mortgage Registered No. 201502 is false and/or fraudulent and must be held to be void and o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11812012 f no effort. There was no agree}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 ment by the parties to vary the mortgage.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid11812012 The plaintiff }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 
at no time was consulted or agreed to the variation. The sole purpose of the variation was to seek to validate securities which were then, to the knowledge at least of Mr Patel, unenforceable.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid11812012 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 In my view the defendant can not rely on section 29 of the Act.
\par I would also hold that the $52,000 purported advance did not meet }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid469579\charrsid8877257 all}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
 the conditions in section 29 and in particular conditions (1) (b) and (c).
\par I believe the plaintiff when he alleges he was charged more than 10}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8877257 %}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283  but I do not accept that it 
was 40%. If the accounts which Mr Patel prepared are taken to indicate that the defendant only charged 10% interest then the seizure notices prepared by Mr Patel clearly indicate the defendant previously claimed 
an unexplained larger sum than was owing. On the balance o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11812012 f probabilities the unexplained}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
 surplus can only be interest calculated at a rate higher than 10%. That was an infringement of condition (1)(b).
\par If I accept that the plaintiff agreed to pay Mr. R.I.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8877257  Kapadia &}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 . Co., costs of $200 being legal}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8877257 
 costs in respect of action No 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 35, which were the responsibility of the defendant this alone would be a breach of condition (e)(i).
\par There was a third Bill of Sale No. 83/487 dated 7th February 1983 given by the plaintiff and his son}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11812012  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 Hasrat Al}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8877257 i}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 
 which purports to secure a loan to them jointly but securing the same sum as the other securities the plaintiff executed. Delay in executing this Bill of Sale was due to the plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid3415283 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11812012 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 
s son not being available when his father executed the other securities.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid11812012 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 
This Bill of Sale purports to secure a loan of $52,000 to the two mortgagees named therein on the 31st January 1983 more than 3 months after the $52,000 which was alleged to have been advanced on 21st October 1982 to the plaintiff.
\par If it were not for the documents which were produced the plaintiff may not have succeeded. He made contradictory statements and statements which I can not accept. He appears to have relied on his then solicitors over a period when he }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid11812012 w}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 as very heavi
ly in debt and creditors were applying pressure on him. Most of his contradictory evidence resulted from his being shown documents which refuted his recollections of events. He admitted his mistakes when shown the documents.
\par I hold as a fact that the contract or contracts}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11812012  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 for repayment of the moneys lent by the defendant}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3415283  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11812012 to the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 
plaintiff and secured by mortgage No 195484 and Bills of Sale Nos. 82/3875, 82/3876 and 83/487 are not enforceable against the plaintiff. It follows that those securities are not enforceable and I so hold.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid469579\charrsid11812012 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579\charrsid3415283 The plaintiff is to have the costs of this action.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid469579 
\par }\pard\plain \ltrpar\s28\qc \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10162163 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe2057\langnp2057\langfenp2057\insrsid10162163\charrsid10162163 (R.G.Kermode)
\par }\pard \ltrpar\s28\qc \li0\ri0\sl-360\slmult0\widctlpar\tx4598\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10162163 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe2057\langnp2057\langfenp2057\insrsid10162163\charrsid10162163 
JUDGE
\par }\pard \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11014039 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid10162163 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid10162163\charrsid3415283 SUVA,
\par }\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\tx4598\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10162163 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid10162163 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid10162163\charrsid3415283 3 August, 1985}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid469579\charrsid3415283 
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