The applicant (Bank Windhoek) initiated legal action against the respondents, jointly and severally, on January 31, 2023, based on a dispute arising from a commercial agreement made on December 20, 2020, where Bank Windhoek agreed to lend N$12,600,254 to JP Investment CC, repayable over five years with monthly instalments. Fanek Mathias became a surety for this loan. The respondents defaulted on payments between August 16, 2022, and December 8, 2022, owing N$443,484.96. Bank Windhoek sought repayment of the amount with interest, as well as orders to declare four immovable properties owned by the respondents . . .