State Bank v Lo [2000] NSWSC 1191

New South Wales Supreme Court

CITATION : State Bank v Lo [2000] NSWSC 1191 CURRENT JURISDICTION: Equity FILE NUMBER(S) : SC 3905/96, 3847/97, 3848/97 HEARING DATE(S) : 30 & 31 October, 1 & 2 November, 14 December 2000 JUDGMENT DATE : 18 December 2000

3905/96 Helen Rose Lo (P1) Bue Lo (P2) State Bank of New South Wales (D) PARTIES : 3847/97 State Bank of New South Wales (P) Bue Lo and Helen Rose Lo (D) 3848/97 State Bank of New South Wales (P) Helen Rose Lo (D) JUDGMENT OF : Austin J

COUNSEL : Mr R Harper (State Bank of New South Wales)) Mr M Duncan (Mr & Mrs Lo) SOLICITORS : Garland Hawthorn Brahe (State Bank of New South Wales) Pigott Stinson Ratner (Mr & Mrs Lo) CATCHWORDS : CONTRACT - conduct after offer of settlement - no settlement agreement, where conduct did not correspond with offer MORTGAGE - s 57(2)(b) notice, requirements EVIDENCE - witness unavailable - whether affidavit admissible Australian Competition and Consumer Commission v C G Berbatis Holdings Pty Ltd (No.2) (2000) 96 FCR 491 Bond Media Ltd v John Fairfax Group Pty Ltd (NSWCA, Giles J, 16 December 1998, unreported). Bunbury Foods Pty Ltd v National Bank of Australasia Limited (1984) 153 CLR 491 Commercial Bank of Australia Ltd v Amadio (1983) 151 CLR 447 Commercial Development Bank of Australia Limited v Cochrane (NSWSC, Giles J, 28 October 1998, unreported) Conley v Commonwealth Bank of Australia (NSW CA, 4 May 2000) Crips (RA) & Son v Wickenden [1973] 1 WLR 944 Dobbs v National Bank of Australasia Ltd (1935) 53 CLR 643 Elders Rural Finance v Smith (1996) 41 NSWLR 296 Garcia v National Australia Bank Ltd (1998) 194 CLR 395 CASES CITED : Jenkins v National Australia Bank (1999) V Conv R 54-602) Lustre Hosiery Ltd v York (1935) 54 CLR 134 O'Day v Commercial Bank of Australia Limited (1933) 50 CLR 200 Parres Holdings Pty Ltd v Commonwealth Bank of Australia [1998] FCA 682 Shea v Green (1886) 2 TLR 533 Silkdale Pty Ltd v Long Leys Co Pty Ltd (1995) 7 BPR 14,414 TC v State of New South Wales (NSWSC, unreported, 3 November 1997) Turnbull v National Mutual Royal Bank Ltd (1992) 26 NSWLR 361 Williams & Glyn's Bank Ltd v Barnes [1980] Comlr 250 at 210 Yerkey v Jones (1939) 63 CLR 649 Zanzoul v Westpac Banking Corporation (NSWCA, 14 June 1995, unreported) DECISION : Order for possession; application to set aside judgment for possession dismissed; mortgagors' proceedings for relief dismissed