GHANA COMMERCIAL BANK LIMITED vs. J.K. ACKAH ENTERPRISE LIMITED MRS ACKAH KOFI ABAIDOO [2013]DLCA8086

GHANA COMMERCIAL BANK LIMITED vs. J.K. ACKAH ENTERPRISE LIMITED MRS ACKAH KOF... [2013]DLCA8086

Date	2013-03-21
Suit No.	CIVIL APPEAL NO.H1/14/2013
Citation No.	[2013]DLCA8086

S. K. MARFUL-SAU JA –PRESIDING

DENNIS ADJEI JA

BARBARA ACKAH-YENSU JA

KYE ESQ. FOR THE PLAINTIFF/RESPONDENT

JOHN MERCER ESQ. FOR THE DEFENDANT/APPELLANT

[2013]DLCA8086
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													<main id="main" class="content" style="min-height: 60rem" >GHANA
COMMERCIAL BANK LIMITED<o:p></o:p>(PLAINTIFF/RESPONDENT)<o:p></o:p>vs.<o:p></o:p>J.K. ACKAH
ENTERPRISE LIMITED<o:p></o:p>(1ST DEFENDANT)<o:p></o:p>MRS ACKAH<o:p></o:p>(2ND DEFENDANT/APPELLANT)<o:p></o:p>KOFI ABAIDOO<o:p></o:p>(3RD
DEFENDANT)<o:p></o:p>[COURT OF APPEAL,
CAPE COAST]<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">

CIVIL
APPEAL NO.H1/14/2013&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DATE: 21ST MARCH, 2013<o:p></o:p>

</div>COUNSEL:<o:p></o:p>KYE
ESQ. FOR THE PLAINTIFF/RESPONDENT<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">

JOHN
MERCER ESQ. FOR THE DEFENDANT/APPELLANT<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;
padding:0cm 0cm 1.0pt 0cm">

S.
K. MARFUL-SAU JA –PRESIDING, DENNIS ADJEI JA, BARBARA ACKAH-YENSU JA<o:p></o:p>

</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;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>BARBARA ACKAH-YENSU, JA:<o:p></o:p>Upon
an application for Summary Judgment, judgment was entered in favour of the
Plaintiff/Respondent in the sum of GH¢113,094.58 with interest, and recovery of
an overdue overdraft facility in the sum of GH¢71,554.06 with interest at the
rate of 27% per annum on both sums, from 6th December, 2006 to the
date of final payment, together with agreed costs of GH¢2,000.00. <o:p></o:p><o:p>&nbsp;</o:p>The
said Judgment was entered on 10th March 2009.&nbsp; Thereafter, on 28th July 2009, the
Plaintiff/Respondent caused a writ of fieri
facias&nbsp;&nbsp;&nbsp; (fi fa) to be issued and in
pursuance thereof the 2nd Defendant’s property No. 18C Anaji/Effia
Residential Area, renumbered H/No.20 PT 186 used as security for the loan
contracted by the 1st Defendant, was attached in execution of the
judgment debt.&nbsp; <o:p></o:p><o:p>&nbsp;</o:p>Officers
of the High Court, Sekondi, sold the property in question under the writ of fi fa on the 3rd February,
2012.&nbsp;&nbsp; The 2nd Defendant
brought an application to set aside the said judicial sale of the property in
question on the ground that the sale was a nullity.&nbsp; The High Court, Sekondi in its ruling of 7th
March 2012 dismissed the application.&nbsp; It
is against this ruling that the 2nd Defendant (hereinafter referred
to as the “Appellant”) has appealed to this Court.&nbsp; The grounds of appeal as contained in the
Notices of Appeal are as follows:<o:p></o:p><o:p>&nbsp;</o:p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; “i.&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The
Judicial Sale of the 2nd Defendant/Judgment Debtor’s <o:p></o:p>property was a nullity as
there was no writ of fieri facias legally or validly subsisting as at the
material time of the sale.<o:p></o:p>ii.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Court ought to have granted the
application to set aside the sale having found that on the face of the writ of
fi fa the order is levied or to be levied “against movable <o:p></o:p>property and not immovable
property of the 2nd Defendant/Judgment Debtor.”<o:p></o:p><o:p>&nbsp;</o:p>Counsel
for the Appellant in arguing the first ground of appeal relied on Order 44 Rule
9 (1) and (2) of C.I.47 which reads as follows:<o:p></o:p>