GOVERNMENT INSURANCE OFFICE OF NEW SOUTH WALES v AYTEN ERGUL [1993] NSWCA 108
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GOVERNMENT INSURANCE OFFICE OF NEW SOUTH WALES v
AYTEN ERGUL
SUPREME COURT OF NEW SOUTH WALES COURT OF APPEAL
MAHONEY AP, CLARKE and MEAGHER JJA
2 December 1993, 17 December 1993
[1993] NSWCA 108
APPEAL FROM DISTRICT COURT — Motor vehicle accident — Plaintiff crossing
street at pedestrian crossing against lights — struck by motor cycle one metre from
far kerb — Held: Cyclist guilty of negligence.
PEDESTRIAN CROSSINGS — Duty of drivers approaching pedestrian on
pedestrian crossing — Whether duty affected by fact that pedestrian is crossing
against lights.
CONTRIBUTORY NEGLIGENCE — Held (Mahoney AP and Meagher JA, Clarke
JA dissenting): Pedestrian 25 per cent responsible for damages.
Mahoney AP At about 5.30 pm on 7 June 1985 the plaintiff Ayten Ergul was
crossing Beamish Street, Campsie. He was struck by a vehicle and suffered
substantial injuries. He claimed damages from what was then the relevant
authority, the Government Insurance Office of New South Wales ("GIO").
On 21 December 1990 Twigg DCJ, as he now is, held that the plaintiff was
injured by the negligence of the driver of a motor vehicle, held that responsibility
for his injuries should be apportioned as to one-third to the plaintiff, assessed his
damages at $35,295.80, and awarded the plaintiff judgment in the amount of
$23,530. GIO has appealed to this Court against his Honour's judgment.
On appeal it was contended for GIO:
(1) That the driver of the motor vehicle was not negligent;
(2) That (if he was) the responsibility for the plaintiffs injuries shouldbe
apportioned equally between the plaintiff and the driver; and (3) That his
Honour's assessment of the damages was appealably excessive.
In order to deal with the submissions made by the parties it is necessary to refer
to the facts as they were found by the learned judge. Counsel for the respondent
has accepted that the statement of them by counsel for GIO may be accepted as
relevantly correct.
The plaintiff was on his way home from work. He came from the Campsie
Railway Station and proceeded to cross Beamish Street adjacent to the railway
station. Beamish Street is a "main" street and at the point where the plaintiff
crossed, there was a marked pedestrian crossing controlled by pedestrian lights.
The street was some four traffic lanes wide and was straight in both directions for
a considerable distance on either side. The weather was fine and it was dusk. The
plaintiff was able to see 100 metres and more in either direction.
There were a number of people on the footpath waiting to cross the pedestrian
crossing. At the time, pedestrian lights showed "Don't Walk". Notwithstanding
this, the plaintiff walked across the street. Before stepping off the kerb he looked
to his right side and saw traffic stopped at another set of traffic lights some
distance away. He looked to his left, the relevant direction, and saw on the road
2 UNREPORTED JUDGMENTS
only a big truck in the median lane about 100 metres away. Other persons had
commenced to walk across and he commenced to do so. He believed "that I could
cross easily".
When he had "already passed half way through the road" he looked again to
his left. He again saw the truck in the middle lane. It was suggested to him that,
when he again looked to his left, the truck had advanced only about 40 metres
and was some 50 or 60 metres from the pedestrian crossing. He was asked
whether it was approaching "quickly or slowly" and he said: "It wasn't very, very
quick truck (sic) because it seems as though it was loaded sir, it was loaded". He
then continued to cross the road and he was "about a metre from the kerb" when
he was "struck by a motor cycle".
The plaintiff, in his statement to the police officer who attended the scene of
the accident, said:
"T got off a train at the railway station, walked up the stairs to Beamish Street
and stopped at the pedestrian crossing with the intention of crossing the road.
After about three minutes I noticed that the traffic coming along Beamish Street
from my right had stopped up near Anglo Road and there was a truck coming
from my left along Beamish Street in the lane near the middle of the road but it
was still a fair way back and I knew I could cross the road before it reached-the
crossing. I stepped from the kerb and started to cross the road with two or three
other pedestrians. As I entered the lane nearest the kerb on the other side I was
hit by a motor cycle which was travelling in that lane but which I hadn't seen
because it was obscured by the truck."
It was accepted that the plaintiff had not seen the motor vehicle which had
struck him and that he had inferred that it was a motor cycle because the point
on the road where he was struck was so close to the kerb that it was improbable
that a motor vehicle would have been that close. The learned judge inferred that
he was struck by a motor cycle. GIO, for the purposes of the appeal, accepted that
it "matters not which".
The judge held that the driver of an approaching vehicle should keep a proper
lookout, drive at a speed which was not excessive and watch for persons on the
pedestrian crossing. The driver would, his Honour inferred, have had an
unobscured view of the crossing and the persons on it.
The argument has proceeded upon the basis that the plaintiff was struck by a
motor cycle. I shall assume that to be so as the assumption is one favourable to
the appellant GIO.
(1) NEGLIGENCE:
In my opinion, Twigg DCJ was correct in finding that the motor cyclist was
guilty of negligence. The traffic lights at the crossing were, it is accepted, in
favour of the motor cyclist. But the cyclist had, subject to what I shall say, a clear
and unobstructed view of persons on the crossing. It was not suggested that this
was not so. The only qualification suggested was that, as the truck which the
plaintiff saw was in the centre lane, it would or may have obstructed the cyclist's
view of the crossing as he approached it. There was no evidence as to how fast
the truck was approaching the crossing, where it was that the cyclist was in
relation to or, possibly, passed the truck, or by how much, if at all, the cyclist's
view was obstructed. But, as the plaintiff reached ta within about a metre of the
kerb of Beamish Street, he would have been in view of the cyclist for at least part
of the time during which the cyclist approached the crossing. The plaintiff was
\WROVERNMENT INSURANCE OFFICE OF NEW SOUTH WALES v AYTEN ERGU&
(Mahoney AP)
moving at a walking pace and had not quickened his pace. I would infer that, for
some time as the cyclist approached the crossing, the plaintiff would have been
in clear view.
The cyclist had a duty to take precautions in respect of persons who might be
crossing the road: that was, I think, not in contest. The dispute was as to the
content of that duty and what it required the motor cyclist to do or not to do.
In argument two matters were discussed: the effect upon the content of the duty
of care of the fact that the plaintiff was in a pedestrian crossing; and the effect in
that regard of the fact that he was crossing against pedestrian lights. In my
opinion, the fact that the plaintiff was in a pedestrian crossing required of the
motor cyclist a greater degree of care than had the plaintiff been crossing merely
upon an unmarked part of the road; and the effect of the marked pedestrian
crossing in that regard was not entirely removed by his having crossed against the
pedestrian lights.
In my opinion, it is the purpose of a pedestrian crossing and of the statutory
provisions in relation to it to impose a higher degree of care upon a motorist in
relation to persons upon the crossing. At the relevant time, Reg67(2) of the Motor
Traffic Regulations 1935 provided:
"67.(2)(a) The driver of a motor vehicle approaching a marked footcrossing or
children's footcrossing shall proceed at such a speed as to be able, if necessary,
to stop before reaching such footcrossing.
(b) Where a motor vehicle is approaching or is travelling upon a marked
footcrossing and a pedestrian is walking upon or a toy vehicle is being ridden
across such foot crossing, so that if both continued they would arrive at the same
point together and collide, the driver of the motor vehicle shall lessen the speed
of or stop the vehicle and allow such pedestrian or toy vehicle to pass in front
thereof."
Reg6A of the General Traffic (Pedestrian) Regulations 1937 provides:
"6A.(1) Where at a marked footcrossing there is an illuminated sign which
displays at successive intervals:
(a) the word "Walk" and the words "Don't Walk";...
no person shall commence to cross the carriageway towards the sign whilst it
is displaying in his direction the words "Don't Walk"..."
In my opinion, the provisions as to pedestrian lights in the regulations do not
exempt the driver of a motor vehicle from compliance with the requirements of
regulations such as Reg67(2). It remains the duty of a driver approaching a
marked footcrossing to approach at such a speed as to be able if necessary to stop
to avoid a pedestrian who is upon the crossing and it remains his duty to give way
to the pedestrian to enable the pedestrian to have the right of way referred to in
Reg67(2)(b).
There are, of course, qualifications to the generality of such a statement of the
position. Thus, it is not necessary to consider when regulations of this kind may
provide, in New South Wales, a separate cause of action or whether they are to
be understood as evidencing merely the standard or kind of care or precautions
which the observance of a general duty of care requires. This matter has been
considered in other contexts and it is not necessary for present purposes to pursue
it: see generally Henwood v Municipal Tramways Trust (SA) (1938) 60 CLR
438; Sibley v Kais (1968) 118 CLR 424.
4 UNREPORTED JUDGMENTS
But there are, in addition, qualifications to the generality of the requirements
of provisions such as Reg67(2). The operation of such regulations was
considered by the House of Lords in London Passenger Transport Board v Upson
(1949) AC 155. In view of the submissions made in the present case, it is relevant
to refer to what was there said.
The regulations considered in Upson's case were in the following terms:
"3. The driver of every vehicle approaching a crossing shall, unless he can see
that there is no foot passenger thereon, proceed at such a speed as to be able if
necessary to stop before reaching such crossing.
4. The driver of every vehicle at or approaching a crossing where traffic is not
for the time being controlled by a police constable or by light signals shall allow
free and uninterrupted passage to any foot passenger who is on the carriageway
at such crossing, and every such foot passenger shall have precedence over all
vehicular traffic at such crossing.
5. The driver of every vehicle at or approaching a crossing at a street
intersection where traffic is for the time being controlled by a police constable or
by light signals shall allow free and uninterrupted passage to every foot
passenger who has started to go over the crossing before the driver receives a
signal that he may proceed over the crossing."
Their Lordships accepted, I think, that Reg5 did not override Reg3 or Reg4: at
163. It was the effect of Reg3 to which most attention was directed. That
regulation is in terms relevantly similar to Reg67(2).
Lord Porter: at 164-5; said:
"The regulations do not specify the distance between him (the driver) and the
crossing at which his ability to see must be tested, and therefore I think it must
be at a reasonable distance. Lord du Parcq, then du Parcq LJ, adverted to this
approach to the matter in his dissenting judgment in Chisholm v London
Passenger Transport Board [1939] 1 KB 426, 449, when he said: 'It is, I think,
a reasonable view that if a motorist, keeping a good look-out and going at such
a speed that he can pull up in a few feet, sees a foot passenger come upon the
crossing so late that it is impossible for the car to stop before reaching the
crossing, the motorist will not be guilty of a breach of the regulations'.... My
Lords, I quoted from this judgment because I find myself in general agreement
with the principle that the moment at which the motorist must be able to see
whether the crossing is clear or not does not continue until the crossing is
reached, but, with profound respect, I am unable to accept the suggestion that the
distance up to which the crossing must be observed to be empty persists up to a
few feet or for that matter fifteen or twenty feet. I think the true position is that
the motorist must be able to see whether the crossing is clear or not up to the time
when, going at the speed he is going, provided it is a reasonable speed, he would
be able to stop before reaching the crossing."
In that case, the view of the crossing which the bus driver had as he
approached it was obscured by a taxi-cab "drawn up close to the kerb with its
wheels actually on and blocking part of the pedestrian crossing" and the bus
driver's view was "masked by the width of the taxi-cab".
In considering the effect of the obstruction of the driver's view of the crossing
in this way, Lord Porter: at 165-6; said:
"Applying that principle to the present case, it leaves the driver of the bus
guilty of a breach of the regulations because, in my opinion, had he had a clear
view of the crossing uninterrupted by the presence of the taxi-cab he could, going
at the speed he was going, have pulled up in time. In other words, before he had
\WROVERNMENT INSURANCE OFFICE OF NEW SOUTH WALES v AYTEN ERGUB
(Mahoney AP)
reached the spot at which it was no longer incumbent on him to see that the
crossing was clear his vision was hindered by the taxi-cab, and his inability to see
whether there was or was not anyone on the crossing at the moment was in my
view the cause of the accident. As it was, though he could not see the lady until
after she had emerged from the front of the taxi-cab, he almost managed to stop
before reaching the crossing and so to avoid the accident. Had he had the second
or so more time which would have been afforded him by seeing her step onto the
crossing he would have been able to avoid it."
See also the views expressed by Lord Wright: at 170 et seq; Lord Uthwatt: at
172-3; Lord du Parcq: at 175; and Lord Morton of Henryton: at 179-80. The
principle adopted by their Lordships is in my opinion applicable in relation to
Reg67(2).
A more difficult question arises as to the effect of the failure by a pedestrian
to obey provisions such as those contained in Reg6A of the General Traffic
(Pedestrian) Regulations. There was no regulation of that kind in question in the
Upson case. But Lord du Parcq: at 175; said: "My Lords, the learned Master of
the Rolls has stated with great clarity a view of the law of negligence which, in
my opinion, ought not to receive the approval of your Lordships' House. 'The
driver of the omnibus', the Master of the Rolls said: [1947] KB 930, 935; 'was
entitled to assume that the plaintiff, like other pedestrians, would conform to
common sense and ordinary care in the presence of an adverse signal, particularly
in view of the provisions of the Highway Code'. The Master of the Rolls then
quoted the instruction to pedestrians in the Highway Code by which they are
advised 'at control crossings...' to 'cross the road only when the appropriate line
of traffic is held up'. Dealing with the admitted fact that the appellants' driver was
well aware that foot passengers do frequently use a crossing when the lights are
in favour of the vehicular traffic on the road, he said: at 937-8; 'The fact that a
driver knows that other people on occasions do things that no careful driver
would be expected to anticipate does not mean that he is under a duty to
anticipate such action.' It follows from these premises that the appellants' driver
was 'entitled to drive on the assumption that no pedestrian would disobey the
light signal.' The presence of the taxi-cab which obscured his view made no
difference. There was no evidence of negligence. Therefore, as the alleged breach
of regulation was 'relied on as evidence of negligence and nothing more, the case
against the appellant failed. My Lords, if the premises are granted this reasoning
is impeccable, but I do not accept the premises as sound. It is assumed in them
that a pedestrian is 'disobeying' an 'adverse' signal if he crosses a
light-controlled 'pedestrian crossing' at a time when the green light is signalling
to vehicular traffic permission to advance, whereas in truth the pedestrian is under
no legal compulsion to keep off the crossing at such a time, and the signal is
never 'adverse' to him in the sense that it prohibits him from crossing. The most
that can be said is that he often takes a risk, which may be such that it is negligent
to take it, if he crosses when the traffic is not being held up. If he crosses while
the traffic is being permitted to proceed, he deprives himself, to some extent, of
the special protection which the 'pedestrian crossing' is designed to give to
pedestrians. He does not, however, lose the protection which Reg3 affords."
In the present case, Reg6A did prohibit the plaintiff crossing when he did. It
is therefore necessary tv determine whether it was the intention of Reg6A to
withdraw from a pedestrian crossing in breach of it any or all of the protection
given to him by Reg67(2).
6 UNREPORTED JUDGMENTS
In my opinion Reg6A did not have that intention. It remained the duty of a
driver to proceed at such a speed as to be able "if necessary" to stop before
reaching the crossing and to give way to a person already on the crossing. The
generality of Reg67(2)(a) is qualified by the words "if necessary" and
considerations analogous to those referred to in Upson's case would I think be
applicable. The breach of Reg6A by the pedestrian would, of course, be of
significance in determining whether, in a particular case, the driver was negligent
under the general law and the extent to which the pedestrian was responsible for
what occurred. But the duties imposed by Reg67 are, I think, not negatived by the
fact that the pedestrian was in breach of Reg6A.
In my opinion, therefore, Twigg DCJ was correct in holding the motor cyclist
guilty of negligence.
(2) CONTRIBUTORY NEGLIGENCE:
It is accepted that the plaintiff was to an extent responsible for the damage
which he suffered. His Honour's assessment of his responsibility was one-third.
In the circumstances, I do not differ from his Honour's conclusion in that regard.
But the motor cyclist was responsible to a greater extent for what occurred. The
plaintiff was in view on the pedestrian crossing, with others, during the whole of
the time he walked from one side of the street almost to the other. Subject to the
possibility of being obscured for a time by the truck, he was in plain view and
there was no reason why he should not have been seen. With respect to those who
may be of a different view, I find it difficult to understand how, if others also were
on the crossing, a cyclist approaching it who had kept a proper look-out would
not have seen that there were people on it and have taken precautions
accordingly. For him to have struck the plaintiff about one metre from the kerb
involves the probability that his look-out was particularly deficient.
I would not interfere with the judge's assessment.
(3) DAMAGES:
The judge awarded the plaintiff $2560 for loss of wages for the period of a few
weeks he was absent from work, added interest and out-of-pocket expenses, and
included general damages of $30,000.
The judge accepted the period of the plaintiff's incapacity and I see no reason
why the award of loss of wages should be disturbed.
The appellant GIO submitted that the award of general damages $30,000 was
appealably excessive and that the award should have been $15-20,000.
The plaintiff suffered injuries to his right knee, right thumb and left shin and
multiple bruising and lacerations. The interphalangeal joint of his left thumb was
dislocated. His right knee was swollen and it was aspirated at the hospital. His
shin laceration required twelve stitches. He was in hospital for over a week and
paid visits to the fracture clinic until 27 June 1985. The judge found that he had
suffered "a right shoulder whiplash-type injury which has caused him
considerable pain, he has extensive loss of his left thumb which causes him
considerable inconvenience in his work and he has been restricted by the injuries
caused in his usual healthy life prior to the-accident, particularly in relation to his
sporting activities". The assessment of general damages is, in the relevant sense,
a discretionary matter. It has not been suggested that there was any error in
principle in what his Honour did. In the circumstances, I do not think that the
assessment of general damages went beyond what was open to the judge in the
exercise of a broad discretionary judgment.
For these reasons, I am of opinion that the appeal should be dismissed with
costs.
\ROVERNMENT INSURANCE OFFICE OF NEW SOUTH WALES v AYTEN ERGUL (Clarké
JA)
Clarke JA The facts are set out in the judgments of Mahoney and Meagher
JJA. Subject to what appears below I am content to adopt their statements of the
facts and their conclusions on the damages issue.
The respondent was struck when in the lane nearest the kerb, having traversed
the major portion of the roadway. He was in a pedestrian crossing but was
walking against the lights. Indeed he had set out to cross the road deliberately and
with full knowledge that he was taking a calculated risk. He did not see what
struck him at any time. He failed to keep a proper lookout and it is probable that
the vehicle (if that is what struck him) was obscured by the truck travelling in the
centre lane.
All that he saw was the truck which appeared to be travelling at about 40 kph
and the last time he saw it was when he was in the middle of the road and it was
about 50 to 60 metres from the crossing. It is apparent therefore that once he
reached the centre of the road he paid no further attention to traffic approaching
the crossing.
Despite the sparseness of the evidence I agree that the inference that he was
struck by a motor vehicle or cycle was open and should be drawn. But I do not
think there is any evidence from which it could be inferred that the vehicle or
cycle was travelling at a speed appreciably greater than 40 kph. Nor do I accept
that it should be inferred that the driver (rider) had any appreciable time in which
to see that the respondent was walking in the crossing. For all we know the front
of the truck might have been level, or almost level, with the front of the mystery
vehicle (cycle).
Contrary to what appears in the other judgments I do not accept that where a
driver is driving his or her vehicle in a busy street at peak hour at 40 kmph beside
a truck, which obscures his or her vision to the right he or she is obliged to slow
down when approaching a pedestrian crossing controlled by lights when the
lights are in his or her favour to such an extent so that he or she is able to stop
instantaneously if some foolish pedestrian has embarked on a foolhardy crossing.
If drivers throughout the metropolitan area all drove in that way they would bring
the traffic to a standstill. For instance, there are about 66 sets of traffic control
lights on Parramatta Road between Central Station and Parramatta and if every
driver approached the lights, when in his or her favour, in the way suggested by
the majority they would create havoc during peak hour traffic.
However, since the advent of compulsory insurance, and consequential notions
of risk sharing, the courts have, in substance, elevated the 'reasonably prudent
driver' to the role of the perfectionist. Or to put the same proposition in Professor
Fleming's words (Law of Torts, 7th Ed, 19) "the fault requirement has become
greatly diluted under the collective influence of compulsory insurance". The
course of decisions is too well established for me to be able to take a different
approach and, in the circumstances, while I believe that social security schemes
are the province of governments, I am content to agree with the majority on the
issue of negligence. I express no opinion, however, on the meaning of the
regulations and their effect on a negligence action.
Where I do disagree with the majority is on the challenge to the apportionment.
In my view the trial judge's assessment is wholly erroneous. The respondent
deliberately embarked on a dangerous course and the driver (rider) has been
shown to have departed only to a very small degree from the required standard.
The words of Lord Pearce in "The Miraflores" 1967 AC 826 at 847-8 are apt:
8 UNREPORTED JUDGMENTS
"Tt is axiomatic that a person who embarks on a deliberate act of negligence
should, in general, bear a greater degree of fault than one who fails to cope
adequately with the resulting crisis which is thus thrust upon him... the driver
who deliberately goes around a corner on the wrong side should, as a rule, find
himself more harshly judged than the negligent driver who fails to react promptly
enough to the unexpected problem thereby created. For all humans can refrain
from deliberately breaking well known safety rules; but 'tis not in mortals to
command the perfect reaction to a crisis; and many fall short at times of that
degree which reasonable care demands."
The driver (rider) failed to respond to a crisis. The percentages should, in my
opinion, be reversed.
Meagher JA This is an appeal from a decision of Associate Judge Twigg in
favour of a plaintiff (the present respondent) arising out of an accident which
occurred on Friday 7 June 1985. The plaintiff was crossing Beamish Street,
Campsie on a pedestrian crossing. Perhaps stupidly, he did so when the traffic
lights showed a red "Don't Walk" sign. He took a calculated risk.
Other people in Campsie often crossed when the lights were red; and indeed,
on this occasion, two or three other pedestrians walked across the street on the
crossing ahead of the plaintiff. The street seems to be fairly wide, with two lanes
going north and two going south. Before crossing, the plaintiff looked to his left
and saw nothing coming except a loaded truck about 100 yards away. By the time
he had reached the median strip, which divides the northern from the southern
lanes, he looked again and once more saw nothing but the truck, but by this time
it had advanced about 40 yards, so that it was now 60 yards away. He continued
on this path, but before he reached the kerb towards which he was walking he
was knocked down by some vehicle.
He suffered severe, but not major, injuries to his right shoulder, neck, right
knee and left thumb.
Almost everything else in the case except what I have recited is the subject of
disputation. In the first place, there is the problem of identifying what it was
which struck the plaintiff. Mr Russell, counsel for the appellant, suggested that it
might be a bicycle or even a human being. He pointed out that nobody saw any
assailant vehicle. However, like his Honour, I would have thought that the nature
of the injuries suffered betokens an assault by either a motor bike or a motor
vehicle.
The next problem is whether that motor bike or motor vehicle was negligent.
The plaintiff did not see it. All that he saw on the road was the loaded truck,
which was driving on the median lane. It would therefore necessarily follow that
the motor vehicle or motor bike in question was driving in the inside land and
was obscured from the plaintiff's vision by the truck.
Moreover, if the plaintiff's vision of the bike or vehicle was obscured, the
driver of that bike or vehicle would have had no vision of the plaintiff. Although
the facts are a trifle slight, I think his Honour was correct in drawing an inference
that, on the balance of probabilities, the bike or vehicle was either being driven
too quickly or was not keeping a look out, or both. Otherwise, it is not easy to
see how the accident could happen. It is common knowledge that pedestrians
cross roads at pedestrian crossings both with the lights and against the lights. It
is therefore a breach of duty for a driver in the inside lane with his vision
obscured to drive so fast that he cannot stop immediately if a pedestrian emerges.
It follows that, in my opinion, his Honour's finding of negligence is immune from
attack.
\WROVERNMENT INSURANCE OFFICE OF NEW SOUTH WALES v AYTEN ERGU&
(Meagher JA)
The next question concerns contributory negligence. Certainly the plaintiff was
reckless, even if other pedestrians shared his recklessness. But his Honour took
this into account in apportioning blame as to one-third to the plaintiff and
two-thirds to the defendant. Bearing in mind the frequent High Court instruction
to intermediate appellate courts about reviewing trial judges in their assessment
of the proportions of contributory negligence, I would not tamper with his
Honour's assessment.
Nor would I alter his Honour's award of $30,000 for general damages,
although I think it is a touch on the high side.
Finally, although the calculation of the number of weeks which the plaintiff
was out of work is probably defective, the amount involved is to trivial as not to
require correction.
In my view, the appeal should be dismissed with costs.
Appeal dismissed with costs.
Counsel:
Appellant: MR K P REWELL
Respondent: MISS S NORTON
Solicitors:
Appellant: SOLICITOR FOR GIO
Respondent: L J SHARPE and CO
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