The moving party, a mortgagor in default, brought a motion to set aside a default judgment obtained by the mortgagee.
The mortgagee had obtained an order for substituted service while the mortgagor was overseas and subsequently secured default judgment and a writ of possession.
Applying the five-factor test under Rule 19.08, the court found that while the motion was brought promptly and the delay was explained, the mortgagor failed to demonstrate an arguable defence on the merits.
The court also found real potential prejudice to the mortgagee given the amounts owed and the modest value of the property.
The motion was dismissed.