29 September 2017

Receivership: Harris v. BNZ


CIT Holdings' liquidators took legal action against Keith Harris and Iain Nellies alleging they acted improperly as receivers of CIT assets with a sweetheart deal likely to allow developer Gregory Olliver easy possession.  Mr Olliver has made multiple attempts to shake off BNZ’s mortgage over his proposed development in the Auckland seaside suburb of St Heliers.  Receivership was blocked.  The liquidators application to have Harris and Nellies barred for five years from taking on any work as receivers was refused by the High Court. 
Vivian Fatupaito and Andrew Hawkes from KPMG were appointed liquidators of CIT Holdings Ltd last year.  CIT owns multiple properties in Waimarie and Glover Streets, St Heliers.  The company is owned by two family trusts, one controlled by Mr Olliver and the other by his former spouse, Sarah Sparks.  Mr Olliver has made multiple efforts to buy the Waimarie and Glover properties from CIT, failing to reach agreement with Bank of New Zealand which is by far CIT’s biggest creditor.
The High Court was told Mr Olliver had arranged in January 2014 for a general security deed to be signed by CIT in favour of Bankhouse Trust Ltd, a company he controlled.  After further negotiations to buy CIT’s assets failed in early 2017, Mr Olliver had Bankhouse Trust appoint Mr Harris and Mr Nellies as receivers of all CIT assets in respect of a $2.5 million debt he says CIT owes Bankhouse Trust.  After learning of dealings between Mr Olliver and the receivers, the liquidators challenged the receivers’ actions and sued to set aside the January 2014 general security deed.  Through the receivership, Mr Olliver was seeking to buy the Waimarie and Glover properties using another entity he controlled: GMO Trust.  The liquidators were critical of the price on offer, the favourable conditions allowing Mr Olliver access to properties without payment of any deposit or any rent and ties preventing the receivers from seeking alternative offers.  They allege the deal was uncommercial; nothing more than an option to purchase on favourable terms for GMO Trust, with no value for creditors.  No sale eventuated.  The liquidators allege Mr Harris and Mr Nellies as receivers were in breach of the Receiverships Act, failing to act in good faith and for a proper purpose.
Justice Jagose set aside the January 2014 Bankhouse Trust security.  It was established at a time when CIT Holdings was insolvent.  It had the effect of elevating unsecured advances to the level of a secured debt.  As sole director of both CIT Holdings and Bankhouse Trust, Mr Olliver had full knowledge of CIT’s perilous financial position, His Honour said.  He also prohibited any future receivership appointment being made under the January 2014 deed.
The liquidators deferred their claim to damages for alleged breaches of the Receiverships Act.
Justice Jagose declined to bar Mr Harris and Mr Nellies from acting in future as receivers.  Even if they did not comply with their statutory duties in this instance, he said, prohibition requires proof of “persistent” non-compliance.  The liquidators said Mr Harris has no formal accountancy or legal qualifications, is not an accredited insolvency practitioner and had no direct experience as a receiver or liquidator before joining Insolvency Management (Auckland) Ltd in 2013.     
Harris v. BNZ – High Court (29.09.17)
17.127