Hoskin v Ask Funding Ltd

[2016] QDC 104

DISTRICT COURT OF QUEENSLAND

CITATION:

Hoskin v Ask Funding Ltd [2016] QDC 104

PARTIES:

JULIE HOSKIN

(appellant)

v

ASK FUNDING LTD

(respondent)

FILE NO/S:

Appeal 724/2015; MAG 9229/2009

DIVISION:

PROCEEDING:

Civil Appeal

ORIGINATING COURT:

Magistrates Court at Brisbane

DELIVERED ON:

13 May 2016

DELIVERED AT:

Brisbane

HEARING DATE:

18 January 2016

JUDGE:

McGill SC DCJ

ORDER:

Appeal dismissed with costs.

CATCHWORDS:

APPEAL AND NEW TRIAL – Error of law – whether statutory requirement satisfied – interpretation of reasons – whether new trial appropriate remedy.

CONSUMER CREDIT – Unjust contracts – whether statutory test applied – significance of public interest – whether loan contract unjust.

INFERIOR COURTS – Magistrates Courts – civil jurisdiction – whether interest accruing under a contract after proceeding commenced can be awarded if it takes the judgment over the monetary limit.

National Credit Code s 76.

Baltic Shipping Company v Dillon (1991) 22 NSWLR 1 – considered.
Barker v GE Mortgage Solutions Ltd [2013] QCA 137 – applied.
Beneficial Finance Corp Ltd v Karavas (1993) 23 NSWLR 256 – cited.
Campbell v Turner (No.2) [2007] QSC 362 – followed.
Campbell v Turner (No.2) [2008] QCA 189 – considered.
Citicorp Australia Ltd v O’Brien (1996) 40 NSWLR 398 – considered.
Custom Credit Corporation Ltd v Gray [1992] 1 VR 540 – cited.
Custom Credit Corporation Ltd v Lupi [1992] 1 VR 99 – considered.
Cypressvale Pty Ltd v Retail Shop Lease Tribunal [1996] 2 Qd R 462 – cited.
Dale v Nichols Constructions Pty Ltd [2003] QDC 453 – considered.
Elkofairi v Permanent Trustee Co Ltd [2002] NSWCA 413 – considered.
Flockton and ANZ Banking Group Ltd [2011] WASAT 57 – considered.
FTV Holdings Cairns Pty Ltd v Smith [2014] QCA 217 – cited.
Housing Commission of NSW v Tatmar Pastoral Co Pty Ltd [1983] 3 NSWLR 378 – cited.
Johns v Johns [1988] 1 Qd R 138 – cited.
Nguyen v Taylor (1992) 27 NSWLR 48 – considered.
Permanent Mortgages Pty Ltd v Cook (2006) ASC 155-082 – cited.
Perpetual Trustee Company Ltd v Khoshaba [2006] NSWCA 41 – considered.
Sharman v Kunert [1985] 1 NSWLR 225 – cited.
Soulemezis v Dudley (Holdings) Pty Ltd (1987) 10 NSWLR 247 – cited.
Van Riet v ACP Publishing Pty Ltd [2004] 1 Qd R 194 – considered.
West v AGC (Advances) Ltd (1986) 5 NSWLR 610 – considered.

COUNSEL:

P E King for the appellant.

J K Chapple for the respondent.

SOLICITORS:

Robert Balzola and Associates for the appellant.

Boyd Legal for the respondent.

1. On 28 January 2015 a magistrate at Brisbane gave judgment for the respondent against the appellant in the sum of $165,877.50, including $16,044.45 by way of interest by statute.  The following day the appellant was ordered to pay the respondent’s costs of the proceeding to be assessed on an indemnity basis.  On 24 February 2015 the appellant filed a Notice of Appeal to this Court seeking to set aside the whole of the decision; an order for a new trial was not expressly sought from…