PF 473 Pty Ltd v Qasim [2024] NSWSC 874

Supreme Court New South Wales

Medium Neutral Citation: PF 473 Pty Ltd v Qasim [2024] NSWSC 874 Hearing dates: 18 and 19 June 2024 Decision date: 19 July 2024 Jurisdiction: Common Law Before: Faulkner J Decision: See [115] Catchwords: MORTGAGES — mortgage contract — registration of mortgage — whether email communications constitute an agreement to change the terms of the mortgage — whether email communications satisfy writing requirements under s 23C of the Conveyancing Act 1919 (NSW) — rights and remedies of mortgagee upon default of loan — order for possession of land LAND LAW — Torrens title — indefeasibility of title upon registration — effects of indefeasibility — exceptions to indefeasibility — unconscionability and fraud — to rights of registered mortgagee under ss 41 and 42 of Real Property Act 1900 (NSW) — s 56 of Real Property Act irrelevant Legislation Cited: Conveyancing Act 1919 (NSW), ss 23C, 41, 42 Electronic Transactions Act 2000 (NSW), ss 7(1), 9(1) Interpretation Act 1987 (NSW), s 3, Sch 4 Real Property Act 1900 (NSW), ss 41, 42, 49, 56C Cases Cited: Baloglow v Konstanididis [2001] NSWCA 451 Breskvar v Wall (1971) 126 CLR 376 Commercial Bank of Australia Ltd v Amadio (1983) 151 CLR 447 GEC Marconi Systems Pty Ltd v BHP Information Technology Pty Ltd (2003) 128 FCR 1; [2003] FCA 50 Golden Ocean Group Ltd v Salgaocar Mining Industries Pvt Ltd [2012] EWCA Civ 265 Halloran v Minister Administering National Parks and Wildlife Act 1974 (2006) 229 CLR 545 Hawcroft General Trading Co Pty Ltd v Hawcroft [2017] NSWCA 91 Khoury v Khouri (2006) 66 NSWLR 241 Maguire v Makaronis (1997) 188 CLR 449 Mercantile Mutual Life Assurance Co Ltd v Gosper (1991) 25 NSWLR 32 Powercell Pty Ltd v Cuzeno Pty Ltd [2003] NSWSC 600 Category: Principal judgment Parties: PF 473 Pty Ltd (Plaintiff) Shaheen Qasim (Defendant) Representation: Counsel: P Newton SC (Plaintiff) L Finch (Defendant)