HODGEKISS v CHALLENGE BANK [1995] NSWCA 194

HODGEKISS v CHALLENGE BANK [1995] NSWCA 194

As the date for repayment and payment under the mortgage passed, there was default, no tender or attempt to redeem was made, and therefore the mortgagors had no defence against possession. The appeal is hopeless, so no stay should be granted.

Parties
Claimants: Mr and Mrs Hodgekiss; Opponent: Challenge Bank
Jurisdiction
Australia
Judgment Date
19 August 1995
Procedural Posture
Notice of Motion for Stay of Execution / Interlocutory Application Pending Appeal
Outcome
Notice of Motion to stay execution dismissed except for a limited stay.
Legal Topics
Mortgage Enforcement, Stay of Execution, Possession Proceedings

Case Brief

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Parties

Mr and Mrs Hodgekiss

Claimants

Challenge Bank

Opponent

Procedural Posture

Notice of Motion for Stay of Execution / Interlocutory Application Pending Appeal

  1. 1 Whether a stay of execution should be granted pending appeal against an order for possession made in favour of the mortgagee
  2. 2 Whether it is necessary for mortgagors to tender the pay out figure or seek to redeem the mortgage as a defence to possession proceedings

Ratio Decidendi

As the date for repayment and payment under the mortgage passed, there was default, no tender or attempt to redeem was made, and therefore the mortgagors had no defence against possession. The appeal is hopeless, so no stay should be granted.

Court Disposition

Notice of Motion to stay execution dismissed except for a limited stay.

Orders

  • Execution on the order for possession is stayed up to and including 6 November 1995 or further order to allow review by a full court.
  • Notice of Motion otherwise dismissed.