ROYAL BENEFICIARIES ASSOCIATION vs. MRS. VIVIAN MENSAH, ALICE BADU, VIVIAN OWUO AND DAVID B. MENSAH [2013]DLSC2755

ROYAL BENEFICIARIES ASSOCIATION vs. MRS. VIVIAN MENSAH, ALICE BADU, VIVIAN OWUO... [2013]DLSC2755

Date	2013-07-26
Suit No.	CIVIL APPEAL NO. J4/22/2013
Citation No.	[2013]DLSC2755

DR. S.K. DATE-BAH JSC (PRESIDING)

ANIN-YEBOAH JSC

P.BAFFOE-BONNIE JSC

A. BENIN JSC

J.B. AKAMBA JSC

FRANCIS KWAME YEBOAH FOR THE PLAINTIFF/APPELLANT/RESPONDENT.

SAMUEL QUANSAH-ANSAH WITH HIM MILLICENT ODOI FOR THE DEFENDANT /RESPONDENT/APPELLANT.

[2013]DLSC2755
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													<main id="main" class="content" style="min-height: 60rem" >ROYAL
BENEFICIARIES ASSOCIATION<o:p></o:p>vs.<o:p></o:p>MRS. VIVIAN
MENSAH, ALICE BADU, VIVIAN OWUO AND DAVID B.&nbsp;
MENSAH<o:p></o:p>&nbsp;[SUPREME COURT, ACCRA]<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0in 0in 1.0pt 0in">

CIVIL APPEAL NO. J4/22/2013&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;DATE:
26TH JULY, 2013<o:p></o:p>

</div>COUNSEL:&nbsp;&nbsp; <o:p></o:p>FRANCIS
KWAME YEBOAH FOR THE PLAINTIFF/APPELLANT/RESPONDENT.<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0in 0in 1.0pt 0in">

DR. S.K.
DATE-BAH JSC (PRESIDING), ANIN-YEBOAH JSC, P.BAFFOE-BONNIE JSC, A. BENIN JSC, J.B.
AKAMBA JSC<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;
padding:0in 0in 1.0pt 0in">

JUDGEMENT
<o:p></o:p>

</div><o:p>&nbsp;</o:p>ANIN
YEBOAH JSC:
<o:p></o:p>This is an appeal from the judgment of the Court
of Appeal dated the 13/05/2010. The facts of this case appear not to be in any
serious controversy. The Plaintiff/Respondent/Appellant herein, who for the sake
of brevity shall be referred to in these proceedings as the Appellant,
commenced an action at the High Court (Commercial Division) Accra against the
Defendants/Appellants/ Respondents herein who shall be referred to as the Respondents
henceforth.<o:p></o:p>The claim endorsed on the writ of summons was as
follows:-<o:p></o:p>1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Repayment of an
amount of 210 million cedis representing 14 weeks of 15 million cedis still
unpaid.<o:p></o:p><o:p>&nbsp;</o:p>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Interest on the
above amount at the current bank interest rate, from the 21st of
August 2006, to the date of final payment.<o:p></o:p><o:p>&nbsp;</o:p>3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Any other
reliefs that may deem fit by this honourable court.<o:p></o:p>It should be noted that the main relief is not all
that clear whether the action falls within contract or tort if read in isolation.
The defect, however, was cured in our view by the statement of claim which was
filed together with the writ of summons. Even in the statement of claim there
was no averment to the effect that the Respondent was a registered association
carrying out business which it was required to do under the law incorporating
it. Since this serious omission was ignored by the Appellant no issue was
joined on it up to this stage of the proceedings.<o:p></o:p>The Respondent pleaded that it borrows money from
commercial banks to offer financial assistance to its members and in one such
transaction which is the subject of this appeal it offered financial assistance
to the first appellant herein whereby the second, third and fourth appellants
who are also members of the Association stood as guarantors for the first
appellant. It was pleaded as part of the Respondents claim that financial
assistance of ¢500,000,000 was offered to the 1st Appellant to repay
same in fifty - two weekly instalments of 15 million cedis. As the first
appellant defaulted in paying for fourteen weeks, the Respondent resorted to
legal action. <o:p></o:p>