GHANA NATIONAL ASSOCIATION OF TEACHERS (GNAT) vs. STANDARD CHARTERED BANK OF GHANA [2008]DLHC8269

GHANA NATIONAL ASSOCIATION OF TEACHERS (GNAT) vs. STANDARD CHARTERED BANK OF GH... [2008]DLHC8269

Date	2008-07-02
Suit No.	SUIT NO. BFS/239/07
Citation No.	[2008]DLHC8269

HER LADYSHIP MRS CECILIA H. SOWAH J.

CHARLES KUSI ESQ. FOR PLAINTIFF

BROOKMAN-AMISSAH ESQ WITH SOPHIA HAIKINS FOR DEFENDANT

[2008]DLHC8269
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													<main id="main" class="content" style="min-height: 60rem" >GHANA NATIONAL
ASSOCIATION OF TEACHERS (GNAT)<o:p></o:p>(PLAINTIFF)<o:p></o:p>vs.<o:p></o:p>STANDARD CHARTERED BANK OF GHANA<o:p></o:p>(DEFENDANT)<o:p></o:p>[HIGH
COURT (COMMERCIAL DIVISION), ACCRA]<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0cm 0cm 1.0pt 0cm">

SUIT
NO. BFS/239/07&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;DATE:
2ND JULY, 2008<o:p></o:p>

</div>COUNSEL:<o:p></o:p>CHARLES
KUSI ESQ. FOR PLAINTIFF<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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BROOKMAN-AMISSAH
ESQ WITH SOPHIA HAIKINS FOR DEFENDANT<o:p></o:p>

</div>CORAM:<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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</div><o:p>&nbsp;</o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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<p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt;
text-align:center;line-height:115%;border:none;mso-border-bottom-alt:solid windowtext 1.5pt;
padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm">JUDGMENT<o:p></o:p>

</div><p class="MsoNormal" style="text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">The plaintiff
is a voluntary association of teachers and a customer of the defendant bank and
has sued for the following reliefs:<o:p></o:p><p class="MsoNormal" style="text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">a)&nbsp;&nbsp; Refund of the sum of
GH¢47,412.40 being the total value of cheques negligently and wrongfully paid
by the Defendant from the Plaintiff’s account No. 0100100589800 with the
Defendant’s High Street Branch without the Plaintiff’s mandate.<o:p></o:p><p class="MsoNormal" style="text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">b)&nbsp;&nbsp; Interest on the said sum at
the current bank rate from 31st&nbsp;May 2006 to date of final
payment.<o:p></o:p><p class="MsoNormal" style="text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">c)&nbsp;&nbsp; Costs.<o:p></o:p><p class="MsoNormal" style="text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">The plaintiffs case is that between 15th&nbsp;February
2006 and 18th&nbsp;May 2006, the defendant wrongfully paid from one
of its accounts 30 cheques with a total value of G¢47,412.40 without its
authority. [At the trial, 28 cheques were tendered with the same face value].
The plaintiff asserts that the signatures on the cheques were not those of the
authorised signatories of the account i.e. the General Secretary Irene
Duncan-Adenusa and the National treasurer Leticia Hammond.<o:p></o:p><p class="MsoNormal" style="text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">The defendant does not deny paying out the
monies, but says that the payments were not made negligently as particularized
by the plaintiff at paragraph 8 of its statement of claim. The defendant
alleges that it is rather the plaintiff who failed in its duty of care to refrain
from drawing and cashing cheques in such a manner as to facilitate fraud and
forgery.<o:p></o:p><p class="MsoNormal" style="text-align: justify; text-indent: 18pt; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">The issues thus settled for trial are as
follows:<o:p></o:p><p class="MsoNormal" style="text-align: justify; text-indent: -36pt; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">