Consideration
38 As set out at [13] above, the appellant's central claim before the Tribunal was that he feared harm in Pakistan from a money lender from whom he claimed to have borrowed money. The misunderstanding of the appellant's evidence by the Tribunal about the amount of interest payable on the monies he said he loaned from the money lender is recorded at [28] of the Tribunal's reasons where the Tribunal states:
The applicant stated that the money lender asked for the money to be repaid after 2 weeks. He stated that he told Imtiaz Alam that he was able to repay 5 lakh Pakistan rupees. He stated that he repaid 5 lakh Pakistan rupees within 2 days. He stated that after he repaid that money the money lender then said he wanted repayment of the full amount. He stated that 3 days later he repaid the balance of 3 lakh Pakistan rupees plus 15 lakh Pakistan rupees in interest. When asked where he got the money from to repay these sums of money, he stated that he did not use the money he borrowed for 2 months and repaid the 5 lakhs from the money he had borrowed. He stated that the money for the second repayment of 3 lakhs Pakistan rupees and the interest of 15 lakhs Pakistan rupees came from his brothers and father.
(Emphasis added.)
39 The error, as highlighted in the passage extracted from the Tribunal's reasons, was that the Tribunal understood the appellant's evidence to be that the interest payable on the loan of 8 lakh Pakistan rupees was 15 lakh Pakistan rupees (or 1.5 million Pakistan rupees), rather than 15,000 Pakistan rupees. For the purposes of the appeal the Minister accepted that the appellant's oral evidence to the Tribunal as stated to it by the interpreter and by the appellant in English was that the interest paid on the loan was 15,000 Pakistan rupees, not 15 lakh Pakistan rupees.
40 There are two further references to the incorrect amount of interest payable on the loan in the Tribunal's reasons. They appear at [36] and [40] of the Tribunal's reasons as follows:
36. The applicant's evidence is that he was unaware of the interest rate on the loan. He stated that he was not told what the interest rate was and did not ask because it was for an emergency and he was stressed. He is an educated man with tertiary qualifications in Pakistan and Australia. His father and older brothers are businessmen. In these circumstances, the Tribunal finds it implausible that he would have borrowed money without knowing what the interest rate was on the loan. The Tribunal also finds it implausible that he would have paid the money lender 15 lakh Pakistan rupees in interest, without knowing what the interest rate was, when that sum was almost double what he had borrowed about 3 weeks earlier.
And:
40. The applicant's evidence is that when the money lender demanded early repayment of the loan within 14 days or alternatively 15 days of giving him the money, he was able to repay 5 lakh Pakistan rupees within 2 days from the money he had borrowed and not used and repay the balance 3 lakh Pakistan rupees plus 15 lakh Pakistan rupees in interest 3 days later. He stated that he obtained this money from his father and brothers. This tends to indicate that his father and brothers or alternatively relatives either already had the funds or had the capacity to quickly raise a substantial sum of money. This is not consistent with his evidence that he borrowed money because his brothers were not in a financial position to borrow money. It is implausible that he would have borrowed money if his family already had the required funds or quick access to the required funds. It is also implausible that he would have sought the assistance of a child hood friend to borrow money when his father and older brothers were businessmen and would have had some knowledge of where to obtain loans on good terms.
41 The question that arises is whether the Tribunal's misunderstanding of the interest payable on the loan, as recorded in its reasons at [28], caused its decision to be affected by legal error and if so whether that error went to jurisdiction.
42 In order to answer that question it is first necessary to consider the Tribunal's reasons.
43 After referring to the incorrect evidence at [28] of its reasons, the Tribunal recorded other evidence given by the appellant. At [34] of its reasons the Tribunal made a finding that the appellant's evidence was "contradictory and implausible" and that his conduct had not been consistent with his claims. The Tribunal then proceeded to set out its findings in relation to the appellant's evidence which it considered raised serious concerns in relation to his credibility and the veracity of his claims. They included that:
(1) the Tribunal found it implausible that a money lender would have loaned a substantial amount of money to a stranger without requiring some form of security, noting that if the money lender did so he would have had no way of being repaid if the appellant had decided to leave Pakistan after obtaining the loans;
(2) the Tribunal found it implausible both that the appellant would have borrowed money without knowing the interest rate payable on the loan and that he would have paid the money lender 15 lakh Pakistan rupees in interest (which was an inaccurate recording of the quantum of interest that the appellant said he had paid) without knowing the applicable rate of interest. The Tribunal noted that the amount of interest was "almost double what he had borrowed about 3 weeks earlier": at [36];
(3) given the appellant's evidence that he borrowed money because he was facing an emergency the Tribunal would have expected the appellant to have used the money soon after obtaining it to deal with that emergency. The fact that he still had a substantial amount of the monies borrowed two weeks after receiving it tended to indicate that there was no emergency or that he borrowed more money than he required. The Tribunal found it implausible that the appellant would have borrowed money that he did not require: at [38];
(4) the Tribunal made findings in relation to the timing of the events relevant to the appellant's claim. In particular the appellant's evidence to the Tribunal was that he borrowed the money in January 2015 because his mother was ill, had been admitted to an expensive hospital and his brothers did not have the ability to raise funds for her treatment. However, in a letter dated 18 August 2015 the appellant informed the Department of Home Affairs that his mother had passed away on 14 November 2014 indicating that his mother had been diagnosed with a serious illness, admitted to hospital and had passed away before he had obtained the loan: at [39];
(5) the appellant gave evidence that when the money lender demanded early repayment of the loan, he had obtained part of the money required to make the repayment and meet the interest payable on loan from his father and brothers. The Tribunal found that this indicated that his father and brothers or other relatives either already had the funds or had the capacity to raise quickly a substantial sum of money which was inconsistent with the appellant's evidence that his brothers were not able to borrow money. The Tribunal found that it was implausible that the appellant would have borrowed money if his family already had the required funds or quick access to those funds. The Tribunal also found it implausible that the appellant would have asked a friend to assist him to obtain a loan when his father and older brothers were businessmen and would have known where to obtain loans on good terms: at [40];
(6) the appellant also made a number of new claims which the Tribunal addressed:
(a) first, the appellant claimed that at the time he made the second loan repayment he had an argument with the money lender over the telephone and the money lender threatened to abduct and kill him which caused him to leave for Australia immediately. However, the Tribunal noted that the appellant subsequently gave contradictory evidence stating that the money lender contacted him in February 2015 after he had received the final payment and asked for more money and the money lender then contacted him on five or six further occasions threatening him. The appellant said that he left Pakistan at the end of February 2015. However, the Tribunal noted that the Department's Decision Record dated 21 September 2015 indicates that the appellant returned to Australia on 7 February 2015: at [41];
(b) secondly, the appellant claimed that after receiving five or six threatening telephone calls from the money lender he obtained a new telephone number. However the Tribunal found it implausible that the appellant would have obtained a new telephone number in Pakistan if he left there immediately after receiving the first threatening phone call from the money lender as claimed. It also found it implausible that he would have obtained a new telephone number if he was only visiting Pakistan and returning to Australia and that he would have kept answering telephone calls from the money lender after receiving the first threatening call: at [42]; and
(c) thirdly, the appellant claimed that after he obtained the new telephone number the money lender was able to find the new number within two days and to call him on that number on two or three occasions and after that occurred he returned to Australia. The Tribunal noted that this evidence was inconsistent with his earlier evidence that he left Pakistan immediately after receiving the first threatening phone call. The Tribunal raised with the appellant its doubts that the money lender would have been able to find his new telephone number within two days but the appellant maintained that was so as he received a telephone call from him within one and half days of changing the number: at [43];
(7) the Tribunal also made findings about a lack of consistency in the appellant's claims. In particular the Tribunal observed that the appellant's migration agent, Ms Reddy, and a psychologist who he consulted and who provided a report, Ms Kaye, recorded that the money lender was a member of a militant group known as Sipah-e-Sahaba. The appellant said that he had not identified the extremist organisation to his migration agent or Ms Kaye. However, the Tribunal observed that the appellant's evidence was inconsistent with the information he provided in his visa application and did not accept that the migration agent and Ms Kaye misunderstood the appellant's instructions to them: at [44]-[48];
(8) the appellant relied on a document dated 14 March 2015 from a Syed Hasnat Hussain Shar, an "Advocate High Court", who described the appellant as a client who he saw on 19 January 2015 about threats he had received from unknown persons. The Tribunal made a number of observations about the content of that document and the appellant's evidence more generally. It concluded that in light of its concerns about the document, the many concerns it had in relation to the appellant's credibility and the appellant's own evidence that fraudulent documents were provided to the Department to support his application for a Student visa filed in 2007 and his applications for a Protection visa in 2015, it had doubts that the document from Mr Shar was authentic: at [49]-[52];
(9) the Tribunal considered the appellant's applications made first for a Student visa and then for a Protection visa. Having regard to those applications and the material provided in support of them the Tribunal found that the appellant intentionally provided false information and bogus documents to the Department to obtain a Protection visa and was not satisfied that he was not complicit with his migration consultant in Pakistan in providing false information and bogus documents to the Department to obtain his Student visa in 2007. The Tribunal raised these issues and its concerns in relation to the appellant's credibility and the veracity of his claims with the appellant but did not accept his subsequent explanation: at [54]-[60]; and
(10) the Tribunal considered the whole of the appellant's immigration history in Australia and an application he made for a permanent visa to immigrate to Canada which was refused in 2012. It noted that the appellant's immigration history showed that he has a strong desire to live in a western country and that he applied for a number of other visas to obtain permanent residence in Australia prior to applying for a Protection visa. The Tribunal raised with the appellant its concern that his application for a Protection visa was a last resort to obtain permanent residence in Australia. In response the appellant informed the Tribunal that "everyone wants a good life with a higher education and a good job" and that with good skills "he could go anywhere". He also said that applying for a visa to immigrate to Canada did not mean that he wanted to live there. The Tribunal noted that the appellant's response did not address the issue raised with him or alleviate the Tribunal's concerns: at [64]-[65].
44 It is next necessary to consider the way in which the Tribunal's misunderstanding of the appellant's evidence about the interest payable might be characterised so as to lead to a conclusion that the Tribunal made a legal error and, if so, whether that error was material. In the absence of any particularisation by the appellant, the Minister drew my attention to the authorities set out below.
45 In SFGB v Minister for Immigration and Multicultural and Indigenous Affairs (2003) 77 ALD 402; [2003] FCAFC 231; 77 ALD 402 a Full Court of this Court (Mansfield, Selway and Bennett JJ) considered an argument that the Tribunal in that case made a jurisdictional error because there was no information before it from which it could realistically draw its conclusion that there was no government in control in the country from which the appellant came that could or would protect the appellant from persecution for a Convention reason. At [19] the Full Court said that if the ground was made out it would be sufficient to establish that the Tribunal had made a jurisdictional error. The Full Court continued:
If the Tribunal makes a finding and that finding is a critical step in its ultimate conclusion and there is no evidence to support that finding then this may well constitute a jurisdictional error: see Australian Broadcasting Tribunal v Bond (1990) 170 CLR 321 at 355-357.
46 In DAO16 v Minister for Immigration and Border Protection (2018) 258 FCR 175; [2018] FCAFC 2 at [30] a Full Court of this Court (Kenny, Kerr and Perry JJ) summarised the principles relating to legal unreasonableness in the context of a ground of appeal which alleged that the Tribunal in that case had made findings of fact without any supporting probative evidence and that the Tribunal had applied an illogical process of reasoning to probative evidence. In doing so their Honours relevantly said (at [30(1)] and [30(4)]):
(1) While findings as to credit are generally matters for the administrative decision-maker, this does not mean that such findings as to credit are beyond scrutiny on judicial review: CQG15 v Minister for Immigration and Border Protection (2016) 253 FCR 496 (CQG15) at [37]-[38] (the Court). The question of whether a credibility finding is tainted by jurisdictional error is a case specific inquiry, and is not assessed by reference to fixed categories or formulae (ARG15 v Minister for Immigration and Border Protection (2016) 250 FCR 109 (ARG15) at 83). In each case it is necessary to analyse in detail what the decision-maker has decided: Minister for Immigration and Citizenship v SZRKT (2013) 212 FCR 99 (SZRKT) at [77] (Robertson J).
…
(4) Findings or reasoning along the way to reaching a conclusion by the decision-maker that are illogical or irrational may establish jurisdictional error (SZMDS at [132] (Crennan and Bell JJ)). In this regard, with respect to the significance of an illogical or irrational finding as to credit to the administrative decision necessary to establish jurisdictional error, Wigney J explained in Minister for Immigration and Border Protection v SZUXN (2016) 69 AAR 210 (in a passage approved in CQG15 at [60]) that:
56 An irrational or illogical finding, or irrational or illogical reasoning leading to a finding, by the Tribunal that the review applicant was not a credible or honest witness may in some circumstances lead to a finding of jurisdictional error. That would particularly be the case where the adverse credibility finding was critical to the Tribunal's decision that it was not satisfied that the applicant met the criteria for the grant of a visa. Whilst it is frequently said that findings as to credit are entirely matters for the Tribunal, such findings do not shield the Tribunal's decision-making processes from scrutiny …
(Citations omitted.)
47 The Minister also drew my attention to the decision in Gill v Minister for Immigration and Border Protection (2017) 250 FCR 309 where a Full Court of this Court (Logan, Griffiths and Moshinsky JJ) found that the Tribunal had fallen into jurisdictional error in its fact finding in relation to the genuineness of a reference and the appellant's credibility. At one level the facts in Gill bore some analogy to the facts before me.
48 In that case the appellant had applied for a skilled visa and had nominated his occupation as a "cook". Among other things he provided details of his employment with an entity called "Oakleigh Catering JMark" along with a description of the duties he performed in his role as an employee of that organisation. He also submitted a written reference from Oakleigh Catering which described his duties and responsibilities. On appeal it was not in dispute (and the primary judge had found) that the Tribunal had misheard the appellant's evidence that he cooked "rissoles" as evidence that he cooked "risotto".
49 At [45] Griffiths and Moshinsky JJ (with whom Logan J agreed) identified two central issues in the appeal. Relevantly, the first was whether the primary judge fell into appealable error in rejecting the appellant's claim that the Tribunal's decision was vitiated by jurisdictional error.
50 Commencing at [69] Griffiths and Moshinsky JJ addressed the findings concerning risotto. Their Honours noted that the primary judge found that the appellant used the term "rizolos" on several occasions which the Tribunal misunderstood as a reference to "risotto" but that this misunderstanding did not give rise to jurisdictional error. Griffiths and Moshinsky JJ held that the primary judge erred. They explained why that was so at [70]-[72] as follows:
70 Rissoles were included among the non-exhaustive list of dishes mentioned in the work experience letter, but risotto was not. The Tribunal's misunderstanding that the appellant was referring to "risotto" was an important part of the Tribunal's reasoning for concluding that the work experience letter was not genuine and the appellant was not a credible witness. The Tribunal's incredulity on this matter related to the appellant's evidence that he prepared risotto using rice and flour. When the Tribunal member repeatedly asked the appellant to say what kind of "risottos" were on the menu, on three separate occasions he said "Italian". There was a total breakdown in communication between the appellant and the Tribunal on this subject matter in that the appellant was evidently referring to Italian rissoles, while the Tribunal member was talking about Italian risottos. The miscommunication was perhaps exacerbated by the repeated reference to the dish being "Italian".
71 The mishearing and miscommunication formed part of the basis for the Tribunal's adverse conclusions concerning the genuineness of the work experience letter and the appellant's credibility. The Tribunal's findings concerning risotto were not supported by logical grounds and lacked any probative evidence. They were predicated on a fundamental misunderstanding of the dish to which the appellant's oral evidence related. Because the Tribunal erroneously believed that the appellant's evidence was directed to risottos, it disbelieved him when he said that he prepared the dish, which he described as "rizolos", using rice and flour. Moreover, this error also contributed to the Tribunal's adverse credibility finding based upon its belief that the appellant could name only one of the popular dishes served at the Bistro.
72 Applying the approach of Crennan and Bell JJ in SZMDS, we consider that it was not open to the Tribunal to make the adverse findings which it did relating to this aspect of the appellant's evidence. That was because the Tribunal had a critical misunderstanding that the appellant's evidence was directed to "risottos" when, in fact, it was not.
51 At [79]-[81] of Gill Griffiths and Moshinsky JJ addressed the Minister's argument that any erroneous fact finding by the Tribunal about the appellant's evidence were not material errors because the Tribunal relied upon other matters in concluding that the work experience letter was not genuine and that the appellant's evidence was not credible. Their Honours rejected that submission for two reasons.
52 First, because the Tribunal gave particular prominence to the adverse findings relating to the appellant's evidence that he prepared risotto using rice and flour and that he crumbed schnitzels with baking powder.
53 Secondly, because their Honours found that, on a fair reading of the Tribunal's reasons, "its reasoning process leading up to its ultimate conclusion that the work experience letter was bogus and the appellant's evidence lacked credibility was to weigh, on the one hand, all the adverse findings … against, on the other hand, other matters… which may have explained the deficiencies in the appellant's oral evidence". Their Honours concluded that, having regard to the weighing exercise, it could not be said that it would have produced the same outcome if the Tribunal had not taken into account its illogical and erroneous findings of fact relating to risotto, the crumbing of chicken schnitzel and the appellant's identification of the most popular dishes.
54 Their Honours concluded that this was not a case where illogical findings of fact were not material to the Tribunal's ultimate conclusions: Gill at [82].
55 Turning to the present case, the misunderstanding as to the amount of interest payable by the appellant on the loan was a factual error. However, in my opinion, that misunderstanding did not result in the Tribunal making a legal error. That is for the following reasons.
56 First, it is apparent from the matters set out at [43] above that the Tribunal's concerns about the amount of interest claimed to have been paid was not a feature of the reasons given by the Tribunal to support its credibility finding. The Tribunal set out a considerable number of concerns that caused it to reject the appellant's credibility. They related to the appellant's central claim, namely his fear of returning because he had loaned money from a money lender, as well as other matters not connected to the facts underpinning that claim, namely the provision of false information in support of his various visa applications and his immigration history.
57 Secondly, to the extent the quantum of interest may have played a role in the Tribunal's findings in relation to the appellant's credit (at [34] of its reasons), it did not do so in a way that was central to those findings. The Tribunal referred on two occasions to the incorrect sum of interest.
58 The first reference is at [36] of the Tribunal's reasons (see [40] above) in connection with its finding that it was not plausible that the appellant would have borrowed interest without knowing the applicable interest rate. Relevantly the reference to the amount of interest paid was not central to the Tribunal's finding which went to the appellant's lack of knowledge of the rate of interest, as opposed to its quantum.
59 The second reference is at [40] of the Tribunal's reasons (see [40] above). The Tribunal's ultimate finding in that part of its reasons was that it was implausible that the appellant would have borrowed money if his family already had the required funds or quick access to funds and that it was implausible that he would have sought the assistance of a childhood friend to borrow money when his father and brothers were businessmen who would have known where to obtain loans on good terms. The quantum of interest payable by the appellant plays no role in those findings.
60 Thirdly, the Tribunal's finding about the sum of interest payable was not a critical step in its ultimate conclusion. The finding at best played a minimal role in the Tribunal's reasoning. Its ultimate conclusion about the appellant's credibility did not rely in any significant way on the anterior finding about the quantum of interest.
61 Finally, this case can be distinguished on its facts from the decision in Gill. Here the Tribunal misunderstood one aspect of the appellant's evidence. As I have already observed, that misunderstanding did not play a central role in the Tribunal's findings nor did it have any flow on effect to its other findings about the appellant's claim that he had borrowed money from a money lender. That is, the Tribunal considered different facts about that claim which did not relate back, or have any connection to, the quantum of interest payable on the loan.
62 Given my finding that the Tribunal did not fall into legal error it is not necessary for me to consider the question of materiality.
63 For those reasons ground 2 is not made out.