Permanent Mortgages Pty Limited v Sibylle Ulrike MacFadyen [2012] NSWSC 130

Supreme Court New South Wales

Medium Neutral Citation: Permanent Mortgages Pty Limited v Sibylle Ulrike MacFadyen [2012] NSWSC 130 Hearing dates: 16 November 2011, 17 November 2011, 18 November 2011 Decision date: 29 February 2012 Jurisdiction: Common Law Before: Johnson J Decision: Leave is granted to the Plaintiff to bring in short minutes of order to give effect to this judgment, and to incorporate the quantum of the monetary judgment calculated as at today's date. Catchwords: REAL PROPERTY - claim for possession of land and monetary judgment - mortgage default - claim by Defendant that lender owed borrower a duty of care and duty breached - claim by Defendant of unconscionability and claim for relief under Contracts Review Act 1980 - Plaintiff establishes entitlement to relief - claims by Defendant rejected - judgment for Plaintiff Legislation Cited: Real Property Act 1900 Contracts Review Act 1980 Cases Cited: Permanent Mortgages Pty Limited v Sibylle MacFadyen [2010] NSWSC 1053 Toll (FGCT) Pty Limited v Alphapharm Pty Limited [2004] HCA 52; 219 CLR 165 Commercial Bank of Australia Limited v Amadio [1983] HCA 14; 151 CLR 447 National Commercial Bank (Jamaica) Ltd v Hew and Anor [2003] UKPC 51; 63 WIR 183 Perpetual Trustees Australia Limited v Schmidt [2010] VSC 67 Buccoliero v Commonwealth Bank of Australia [2011] NSWCA 371 Australian Competition and Consumer Commission v CG Berbatis Holdings Pty Limited (No. 2) [2000] FCA 2; 96 FCR 491 CG Berbatis Holdings Pty Limited v Australian Competition and Consumer Commission [2001] FCA 75; 185 ALR 555 Australian Competition and Consumer Commissioner v CG Berbatis Holdings Pty Limited [2003] HCA 18; 214 CLR 51 Australia and New Zealand Banking Group Limited v Karam [2005] NSWCA 344; 64 NSWLR 149 Australian Bank Ltd v Stokes (1985) 3 NSWLR 174 West v AGC (Advances) Ltd (1986) 5 NSWLR 610 Perpetual Trustee Company Limited v Khoshaba [2006] NSWCA 41 Fast Fix Loans Pty Limited v Samardzic [2011] NSWCA 260 Elkofairi v Permanent Trustees Co Limited [2002] NSWCA 413; (2002) Aust Contracts Reports No. 90-157 Perpetual Trustee Company Limited v Khoshaba and Kowalczuk v Accom Finance Pty Limited [2008] NSWCA 343 Riz v Perpetual Trustee Australia Limited [2007] NSWSC 1153; (2008) NSW Conv R No. 56-198 Dominic v Riz [2009] NSWCA 216 Texts Cited: --- Category: Principal judgment Parties: Permanent Mortgages Pty Limited (Plaintiff) Sibylle Ulrike MacFadyen (Defendant) Representation: Mr A Combe (Plaintiff) Ms SU MacFadyen (Defendant in Person) Kells The Lawyers (Plaintiff) Ms SU MacFadyen (Defendant in Person) File Number(s): 2008/289028 Publication restriction: ---