Case Law[2023] ZAGPPHC 78South Africa
G.J.V v M.V [2023] ZAGPPHC 78; 48308/2011 (14 February 2023)
High Court of South Africa (Gauteng Division, Pretoria)
14 February 2023
Headnotes
the bank cards (even his), she had access to the bank accounts and she made the payments
Judgment
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# South Africa: North Gauteng High Court, Pretoria
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## G.J.V v M.V [2023] ZAGPPHC 78; 48308/2011 (14 February 2023)
G.J.V v M.V [2023] ZAGPPHC 78; 48308/2011 (14 February 2023)
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sino date 14 February 2023
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FLYNOTES:
DIVORCE
AND FORFEITURE OF BENEFITS
FAMILY
– Divorce – Forfeiture of benefits – Living
apart for 11 years – Wife having pension of R2,9
million
after 41 years of employment – Husband’s conduct of
assaults, being absent father and financially selfish
–
Would be unduly benefitted if forfeiture of wife’s pension
benefits not ordered –
Divorce Act 70 of 1979
,
s 9.
IN
THE HIGH COURT OF SOUTH AFRICA
(GAUTENG
DIVISION, PRETORIA)
Case number:
48308/2011
In
the matter between:
G[…]
J[…]
V[…]
PLAINTIFF
And
M[…]
V[…]
DEFENDANT
JUDGMENT
NEUKIRCHER J:
1]
This is a divorce action in which the
parties were married to each other on 20
April
1985 in community of property and separated during August 2011
[1]
.
Action was instituted by the plaintiff
[2]
during the same month. The matter was set down for trial before me on
30 January 2023. Thus, by the time the trial proceeded, the
parties
had been separated for over 11 years and the two children born of the
marriage had reached the age of majority.
[3]
2]
In
her counterclaim the defendant seeks permanent maintenance in the
amount of R7 000 per month, as well as a forfeiture of
the
patrimonial benefits of the marriage. In closing argument, the
defendant moved an amendment to seek token maintenance of R10-00
per
month and her claim for forfeiture was reduced to a partial
forfeiture specifically of the parties’ immovable property
in
Bethlehem and the defendant’s pension fund
[4]
from August 2011 to date. The evidence having already been
tendered and there being no prejudice to the plaintiff, the amendment
was granted.
3]
It
was common cause that the marriage had irretrievably broken down
(although the reasons for the breakdown were in dispute) and
that the
defendant bore the onus to prove her counterclaim. This being so,
there were 2 main “themes” to the evidence
presented:
that regarding her maintenance
[5]
,
and the facts to prove the claim for forfeiture.
4]
This being the legal position, the question
is whether the defendant proved either, or both of, her claims.
Although she bore the
onus and duty to begin, the plaintiff testified
first.
The marriage
The plaintiff
5]
It is common cause that at the time they
were married, the plaintiff was a captain in the South African Police
Service (SAPS) and
the defendant was a clerk there as well. She
commenced work at SAPS on 1 June 1982 and she still works for SAPS.
6]
The defendant’s father was the
station commander in Clarens and the parties lived in a duplex SAPS
flat, next to the defendant’s
parents, and they both worked in
Clarens.
7]
During their marriage, the plaintiff was
eventually promoted and the parties moved several times: whilst in
Clarens he was promoted
and transferred to a town near Villiers where
he became the station commander in 1989. Approximately a year later
he was transferred
back to Clarens as the station commander (the
defendant’s father had retired by then). The next move the
plaintiff blames
on the defendant – as she had physically
attacked him often he became embarrassed to be at work and in town
where people
and colleagues could see the physical manifestation of
their altercations and eventually (so he tells it) during
approximately
1995 the defendant demanded that they move and he found
a job in Bethlehem where he issued liquor licenses – he
regarded
this as a demotion. He was later promoted and at the time
they parted in 2011 they were back in Bethlehem.
8]
On 31 December 2000 the plaintiff was
medically boarded. He blames this on the stress caused by the
defendant’s constant physical
and emotional assaults and the
humiliation he suffered as a result of them. His version is that he
was subjected to her assaults
– physical, verbal and emotional
– throughout their marriage and that, on occasion he was
compelled out of necessity
to retaliate. On one such occasion he
broke the defendant’s tooth. On another he had to grab her
hands when she attacked
him with a kitchen knife and screamed that
she was going to kill him. According to him, she would get intense
migraines caused
by her outbursts and would stay away from work.
9]
Once he was boarded, he received a lump sum
pension pay out of R170 000 – this was used to purchase a
computer for him
to design web pages, he paid off whatever debts the
joint estate had and the remainder went into household living
expenses.
10]
But he found it very difficult to find work
in Bethlehem. In 2002 he was given an opportunity to work as a long
distance driver
in the USA. He was away from April until October 2002
and although the defendant demanded that he extend his work overseas,
his
visa would not permit that. He earned $600 - $800 every 2 weeks
(ie $1200 to $1400 per month) of which he would keep $500 per month
for his own living expenses. The balance was deposited into an
account, he sent the defendant the card for the account and she
would
then have access to these funds. On his version, he had to incur debt
in order to purchase his flight ticket, and the entirety
of the funds
sent to defendant were to be used to pay off the debt quickly. It was
only during approximately 2008 that he noticed
that she had only paid
the monthly instalment on the loans and the loans had accumulated and
(on his version) spiralled.
11]
He continued to work overseas every year
between 2002 and 2009 for 6 month periods and would send back money
to the defendant. The
only year he did not was 2004 as his mother was
very ill. In 2009 he had a back operation and began to study for his
security diploma.
There was no work available in Bethlehem and he
began to look for work elsewhere. He found work in Alberton which
necessitated
the expenses of a second residence as the defendant and
the children remained behind in Bethlehem. Although the defendant
found
him work closer to home, he decided to remain closer to his
mother who was very ill at the time and who eventually passed away
during July 2010. His work did not last and he decided to live in his
mother’s house in Pretoria North whilst trying to find
a job.
In the meantime, he lived off the income of whatever odd jobs he
found.
12]
The parties were put under debt review in
2017 and that was discharged during 2020. His contribution was R3 000
per month less the
DSTV payment and the defendant’s medical aid
- he thus contributed approximately R2 200 per month towards the
parties’
debt review payments. This being said, it is very
clear from the plaintiff’s evidence that the defendant was in
charge of
the parties’ finances - she held the bank cards (even
his), she had access to the bank accounts and she made the payments
necessary both in respect of household necessities and when the
parties were in debt review.
13]
He inherited 2 properties from his mother:
a vacant stand in Clarens and the property in Pretoria North where he
presently resides.
According to him, these assets are excluded from
the joint estate as his mother specifically provided in her will for
their exclusion
from the community property – no evidence was
provided to the contrary. Other than this, he presented no evidence
on his
income, his expenditure, or what the assets of the joint
estate are other than the previous common home and the defendant’s
pension fund the latter to which he is entitled because (as he
stated) they are married in community of property and she wanted
the
divorce. The impression created by his evidence is that, were it not
for the fact that the defendant told him she wanted a
divorce, the
parties would have remained married although it is clear that not
much of a marriage relationship existed by August
2011.
14]
His evidence is that in August 2011 the
defendant informed him that she wanted a divorce when the parties
went to see an attorney
ostensibly regarding the issue of his
mother’s will (which he indirectly accused the defendant of
hiding from him).
15]
The plaintiff’s particulars of claim reveal nothing substantial
in respect of the
breakdown of the parties’ marriage. He claims
that it broke down inter alia because the defendant informed him that
she wanted
a divorce, that they no longer shared common interests or
outlook on life, that the defendant spent all his money and that she
was financially irresponsible. If one were to accept the plaintiff’s
evidence
[6]
however a completely different picture is painted: the defendant was
physically, verbally and emotionally abusive towards not just
him,
but his late grandmother and his late mother. She was moody, often
shouted and screamed at him for minor issues, lost her
temper
regularly and would then attack him, scratch him and otherwise
physically abuse him. On one occasion she tried to stab him
with a
kitchen knife. He was left defenceless to stop her as, no matter
where he tried to escape to in the house, she would simply
follow him
and, as he put it, he was left to “
haar
los om haar woede uit te woed”
.
He admitted to, out of necessity on the odd occasion, retaliating.
This latter “version” appears for the first time
in the
plea to the counterclaim. This being so, it is clear that it was
introduced not as a reason that the marriage broke down,
but to
counter the defendant’s allegations of substantial misconduct
against him.
16]
Much of the plaintiff’s evidence was spent detailing the
minutiae of the defendant’s
violent conduct towards him. When
asked in cross-examination why these allegations were not made in the
particulars of claim, his
response was that he wanted to “
keep
the divorce clean”
in order to spare the defendant. Having
regard to the manner in which the plaintiff testified and his
concerted efforts to place
the defendant in a bad light in every
possible way, even as regards her meticulous handling of the parties’
finances, I cannot
but look askance at this response. It is very
clear that the plaintiff still harbours great ill-will towards the
defendant –
11 years later, he still resents the fact that she
was the one who wanted to initiate the divorce proceedings.
17]
His efforts to present himself as the victim in the parties’
relationship and blameless
in the breakdown of the marriage are
viewed with circumspection.
The defendant
18]
The defendant has, throughout the duration of this marriage, worked
for the SAPS and to
date still works there. During her 41 years of
employment, she has accumulated a pension interest which today is
valued at approximately
R2,9 million. In 2011, that pension interest
was valued at approximately R860 000.
19]
According to the defendant, the problems in the marriage started
shortly after their honeymoon
when the plaintiff began to assault
her. He would hit her and punch her so much so that she would have
bruises on her face, neck
and arms. Because of the stress she would
have terrible migraines and would be unable to work. On occasion,
after these assaults
the plaintiff would simply lock her in the house
to prevent her from going to work. This abuse started to subside when
the plaintiff
went overseas to work.
20]
According to her, the plaintiff was selfish and put his needs and
wants first, would spend
money on himself over his family, would buy
himself computers and computer parts, cigarettes, coke and beer; he
was an absent father
and took no interest in the children
[7]
;
he was fiscally irresponsible and he failed to contribute 50% to the
running of the common home; he failed to maintain her and
the
children properly
[8]
; he failed
to contribute 50% towards the accumulated debts or to the payments
that had to be made when the parties were in debt
review. On her own
version he was not the breadwinner. She also testified that he used
his pension payment of R170 000 for
his own selfish desires.
21]
Unsurprisingly, the defendant denies the plaintiff’s version –
she denies she
assaulted him but admits she would defend herself by
scratching him and grabbing him between the legs; she denies that
there was
an agreement to utilise all the overseas funds to pay off
the loan regarding the flight costs, but admits she did pay the
monthly
instalments and used the remainder for household necessities.
22]
On the defendant’s version, the common home was purchased by
both parties and registered
in both their names. Her mother gave her
R17 000 to pay the deposit – the plaintiff’s version
is that defendant’s
mother gave them the money to upgrade the
flat on their property which was rented out and the defendant
pocketed all that money.
According to him, the transfer fees were
included in the bond amount.
23]
The flat was originally occupied by the defendant’s mother and
after her passing,
the parties’ son lives there and he pays the
defendant R3 000 per month which the bond statement clearly
shows is paid
directly into the bond account. What is also clear is
that the bond has been substantially reduced from an amount of over
R400 000
in 2019 to R160 000 at date hereof. This appears
to be thanks to the defendant efforts in paying, not just the monthly
bond
instalment, but the extra R3 000.
24]
According to the defendant, it is the constant assaults that led to
the breakdown of the
marriage relationship. It is however clear from
her evidence that this was not the only factor that led to the
breakdown of the
marriage relationship, although it appears to have
been the major contributing factor.
The joint estate
25]
Unfortunately, not much evidence was led on this issue. One can only
assume that it is because
the main assets in dispute were the common
home and the defendant’s pension fund.
26]
During cross-examination of defendant it was revealed that she also
has an Old Mutual annuity,
but other than that she pays an amount of
R2 082-32 (in August 2018), which is deducted from her salary,
nothing more is known
about this policy. Whilst the plaintiff blames
the defendant for not disclosing the details hereof, he also has an
obligation to
put information before this court. In fact, save for
the pension fund details, both parties are guilty of failing to put
updated
figures before me:
a)
the last salary advice of defendant is 31
August 2018 and her expenditure was drafted for purposes of the debt
review in 2017 -
I was given no information as to plaintiff’s
income or expenses;
b)
the valuation of the immovable property for
R1,1 million is dated 2018 and other than vague allegations that its
worth more than
that, the plaintiff has made no effort to prove
otherwise;
c)
I have no value of the Old Mutual annuity
nor of any other asset of the joint estate.
d)
I don’t know what the updated
liabilities of the joint estate are either. As the parties were
released from debt review in
2020, those figures are no longer
relevant, but no new figures were provided.
27]
What is also clear is that, once the joint estate was put under debt
review,
it fell to the defendant to pay the monthly instalments of
R6 215-99. This she did religiously. Other than the plaintiff’s
contribution of R2 200 per month, it is quite clear that he
abdicated all responsibility and participation in the process.
It is
very clear that it was through the hard work and sacrifices made by
the defendant that the parties emerged from the process
as quickly as
they did.
28]
It is also noteworthy that the plaintiff failed to present evidence,
other than
that above, on his contributions towards the maintenance
and support of the family and the common home prior to this. Whilst
it
is so that he is not required to prove an equal contribution, he
must at least demonstrate some form of support.
Maintenance
29]
All of this has an impact on the defendant’s claims for
maintenance and
forfeiture. Given the provisions of
section 7(2)
of
the Act, the first question to be answered by a court is whether
maintenance will be needed
[9]
.
The defendant’s argument is that if forfeiture is not granted
and a division of the joint estate follows, her finances and
financial security will be severely impacted and she may need
maintenance in the future. Hence she wants to keep that door open
and
requires nominal maintenance of R10 per month.
30]
The problem with this argument is that it was presented during
closing argument.
There was no evidence led regarding the defendant’s
present income or expenses, how she would be financially affected by
an order of division versus one of forfeiture, or that she has any
health (or other) issues that would affect her in future.
31]
In
Lincesso
v Lincesso
[10]
the court stated:
“
I
have been asked, in the event of my declining to come to the
plaintiff's assistance, at least to order a token payment. The reason
for this is that, if at a later stage the plaintiff can make out a
case for maintenance, she will in the absence of some order
from this
Court be unable to press her claim: see Ford v
Ford,
1965
(1) SA 264
(D)
at
p. 265, and authorities there cited. If, however, some order is made
then at a later stage a variation can be sought for good
cause shown.
Such an order was made in the Ford case, supra. It has
also been done in many unreported cases. I am
not sure that this has
always been justified. If the sole basis for so doing arises from the
omission of the Legislature to
allow initial applications to be
made subsequent to the date of the decree of divorce, then it seems
to me that such a course is
not justified. For then in every case
where the Court is not satisfied that the plaintiff's claim is
justified it would nevertheless
grant an order for a token payment. I
would feel that this would be an abuse of the judicial function.
I
can however imagine that in some instances the Court will be
justified in granting a token payment because that is all that in
the
circumstances is justifiable and not merely because of an altruistic
motive to circumvent the omissions of the Legislature:
see
e.g. Ford's case, supra.
But
no argument has been advanced and I can think of none why in this
case there should be an order for such a payment.”
32]
Following on this, Von Dijkhorst J in
Portinho
[11]
stated:
“
In
my view the test to be applied is whether or not on the probabilities
maintenance is or will be needed. If the answer is positive
the
considerations set out in
section 7(2)
came into play. If on the
probabilities it is not shown that maintenance is or will be needed
no award thereof (whatever its size)
can be made. A token award where
no maintenance is needed is therefore not envisaged on the Act.”
[12]
33]
The defendant has not adduced any proof that on the probabilities she
will require
maintenance in future ad therefore this claim is
dismissed.
Forfeiture
34]
It is trite that upon divorce where parties are married in community
of property, the joint
estate is divided. Where a party does not want
an order that the joint estate be divided, he/she must ask for an
order of forfeiture.
In this regard,
Section 9
of the Act provides
the following:
“
9
(1) When a decree of divorce is granted on the ground of the
irretrievable break-down of a marriage the court may make an order
that the patrimonial benefits of the marriage be forfeited by one
party in favour of the other, either wholly or in part, if the
court,
having regard to the duration of the marriage, the circumstances
which gave rise to the break-down thereof and any substantial
misconduct on the part of either of the parties, is satisfied that,
if the order for forfeiture is not made, the one party will
in
relation to the other be unduly benefited.
(2) In the case of a
decree of divorce granted on the ground of the mental illness or
continuous unconsciousness of the defendant,
no order for the
forfeiture of any patrimonial benefits of the marriage shall be made
against the defendant.”
35]
Thus,
Section 9(1)
of the Act postulates 2 questions: a) will the
plaintiff receive a benefit and b) if so, is this benefit is
undue.
[13]
When deciding
whether or not the benefit is undue, 3 factors alone
[14]
are considered: (a) the duration of the marriage; (b) the
circumstances that gave rise to the breakdown of the marriage, (c)
any
substantial conduct on the part of either of the parties.
36]
In
Wijker
,
the SCA made it clear that the Legislature never intended the 3 above
factors to be considered cumulatively and the approach
to be
followed was the following
[15]
:
“
It
is obvious from the wording of the section that the first step is to
determine whether or not the party against whom the order
is sought
will, in fact, be benefitted. That will be purely a factual issue.
Once that has been established, the trial Court must
determine,
having regard to the factors mentioned in the section, whether or not
that party will in relation to the other be unduly
benefitted if a
forfeiture order is not made. Although the second determination is a
value judgment, it is made by a trial Court
after having considered
the facts falling within the compass of the three factors mentioned
in the section.”
(emphasis provided)
37]
It is also important to note that, although a court has a wide
discretion when
considering whether to grant forfeiture or not,
considerations of fairness and equity are not relevant
[16]
,
nor can it be granted because one spouse’s contribution was
greater than the other’s
[17]
.
38]
It is clear from the evidence that defendant’s claim for
forfeiture is
based on 4 grounds: a) that the plaintiff did not
contribute at all towards her pension fund especially since 2011, b)
that the
plaintiff did not contribute 50% towards the payment of the
debts or expenses of the joint estate or common home or the children,
c) the conduct of the plaintiff that led to the breakdown of the
marriage and d) the plaintiff’s substantial misconduct.
39]
The first question
to be answered is whether plaintiff would be
unduly benefitted were forfeiture not be granted:
39.1
the house
a)
the answer to this is no - the property was
purchased by both parties and the bond registered in both their
names. It is common
cause that defendant’s mother gave them
R17 000 which benefitted this property - the purpose of this is
in dispute but
in the long run it is neither here nor there the
plaintiff’s evidence that defendant’s mother asked him to
repay the
R17 000 which he did out of his inheritance was never
disputed;
b)
when the parties were in debt review it is
common cause that the plaintiff paid an amount of R2200 towards the
debts of the joint
estate of which the bond payment formed part. This
even though the defendant’s view is that the plaintiff’s
contribution
was not 50%, the point is he did contribute. There was
also no evidence before me that he could have contributed more as he
earned
well. At present he contributes ± R1600 per month and
the rental of R3000 per month from their son all contributed towards
the reduction of the outstanding bond from R415 000 in 2018 to ±
R150 000 now;
c)
thus the plaintiff continued contributing in my view put pay to any
argument
that he would be unduly benefitted were this court to refuse
the forfeiture in regards of the house.
39.2
the pension fund
a)
it was not disputed that since 2011, the
value of defendant’s pension interest grew by ± R2
million;
b)
it is also common cause that plaintiff made
no contribution towards the defendant’s pension fund;
c)
I am of the view that plaintiff will be
benefitted in regards of the defendant’s pension fund. The
question is whether this
benefit is undue.
40]
In considering the 3 factors set out in
section 9
, the following is
pertinent:
a)
this marriage is one of 38 years to date.
Even in 2011, the marriage was one of 26 years. However, it appears
that the plaintiff
was working overseas for at least 6 months per
year from 2002 until 2009 and after that he lived in Alberton and
Pretoria North
until the divorce proceedings were initiated by him in
2011. Taking this into account, the marriage was effectively one of
17 years.
The parties have thus spent more than half of their married
life apart, which is a factor in the breakdown of the marriage.
b)
As to the reasons for the breakdown of the
marriage, in my view, each parties’ version must be viewed
holistically. Each accused
the other of assaults, and on this issue I
cannot find one version more probable than the other. On this issue,
I find that the
versions are evenly matched. Although the defendant
argued that her evidence had the “
ring
of truth
”, I cannot make that
finding. Neither party impressed me, but the plaintiff was less
impressive than the defendant. There
were no documents, for example
affidavits in relation to criminal charges regarding the assaults, no
doctors’ reports nor
were any other corroborating witnesses
called. Thus, on this, as a factor in the breakdown of the marriage,
the versions are evenly
matched.
c)
Given that the defendant testified that the
reason for the breakdown of the marriage was the plaintiff’s
physical assaults
on her, the balance of the allegations in the
counterclaim cannot be seen as “substantial misconduct”
and, at best,
would appear to explain a general breakdown in the
marriage relationship.
41]
However, it is in respect of the general reasons for the breakdown of
the parties’
marriage that I find that the defendant has proven
a claim for partial forfeiture: on her evidence, as a result of the
frequent
assaults, the fact that the plaintiff was an absent father
and husband and played very little role in the family
[18]
,
the fact that the plaintiff was financially selfish, all contributed
to the breakdown of the marriage relationship.
42]
Taking in account that the parties have effectively lived separate
lives for
more than half of their marriage, and that on the balance
of probabilities the plaintiff’s conduct as stated in paragraph
41 supra led to the breakdown of the marriage relationship, I find
that the plaintiff will be unduly benefitted were an order for
forfeiture of the defendant’s pension benefits not to be
ordered. However, as the defendant has amended her counterclaim
to
ask for a partial forfeiture from August 2011 to date, that order
will be granted.
Costs
43]
The plaintiff has submitted that irrespective of the outcome of the
matter,
each party should pay their own costs. As each party has
achieved a measure of success, I find that this order is appropriate.
Order
44]
The order that is made is the following:
1.
A decree of divorce is granted.
2.
The plaintiff is ordered to forfeit the
benefits of the defendant’s pension interest in her pension
fund held with the Government
Employees Pension Fund.
3.
Other than the order set out in paragraph 2
supra, the joint estate shall be divided.
B NEUKIRCHER
JUDGE OF THE HIGH
COURT
Delivered: This
judgment was prepared and authored by the Judges whose names are
reflected and is handed down electronically
by circulation to the
Parties/their legal representatives by email and by uploading it to
the electronic file of this matter on
CaseLines. The date for
hand-down is deemed to be 14 February 2023.
Appearances:
For
the Plaintiff
: Advocate JG Van Der Westhuizen
Instructed
by
: Theuns Hurter Attorneys
For the Defendant
: Advocate MDJ Steenkamp
Instructed
by
: Sarel Venter Inc
Heard
on
: 30 & 31 January 2023
[1]
S4(1)
of the
Divorce Act 70/1979 (the
Act) creates the rebuttable
presumption that a marriage has irretrievably broken down if the
parties have not lived together
for a continuous period of at least
one year immediately prior to the date on which the divorce action
was instituted.
[2]
The
husband
[3]
There
was no evidence that either child was financially dependent on
either party
[4]
She
is a member of the Government Employees Pension Fund ref no 96231692
according to her payslip
[5]
Section
7(2)
of the Act provides:
“
7(2)
ln the absence of an order made in terms of subsection (1) with
regard to the payment of maintenance by the one party to
the other,
the court may, having regard to the existing or prospective means of
each of the parties, their respective earning
capacities, ·
financial needs and obligations, the age of each of the parties, the
duration of the marriage, the standard
of living of the parties
prior to the divorce, their conduct in so far as it may be relevant
to the break-down of the marriage,
and any other factor which in the
opinion of the court should be taken into account, make an order
which the court finds just
in respect of the payment of maintenance
by the one party to the other for any period until the death or
remarriage of the party.
in whose favour the order is given,
whichever event may first occur.”
[6]
My
emphasis
[7]
His
evidence was that neither child talked to him and he blamed that on
the defendant
[8]
All
of which were pleaded in her counterclaim
[9]
Portinho
v Portinho 1981 (2) SA 595 (T)
[10]
1966
SA 747
(W) at 750 B-D
[11]
At
597H
[12]
See
also Buttner v Buttner
2006 (3) SA 23
(SCA) at par [36]- [37]
[13]
Wijker (supra);
KT
v MR 2017 (1) SA 97 (GP)
[14]
Botha
v Botha 2006 (4) SA 144 (SCA)
[15]
At
727 E-F
[16]
Wijker
supra; Rousalis v Rouailis
1980 (3) SA 446
(C) at 450 D-E
[17]
Engelbrecht
v Engelbrecht
1989 (1) SA 597
(C) at 601
[18]
On
his own version his children do not speak to him
sino noindex
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