[2014]DLHC17359 Login to Read Full Case <span style="font-size: 18px !important;"><p class="MsoNormal" align="center" style="text-align:center;line-height:115%; tab-stops:4.5pt"><a name="_Hlk154138250"></a><a name="_Hlk152146143"><b><span style="font-size:12.0pt;mso-bidi-font-size:11.0pt;line-height:115%;font-family: "Book Antiqua",serif;mso-fareast-font-family:"Book Antiqua";mso-bidi-font-family: "Book Antiqua";color:#00B0F0">SDC FINANCE & LEASING LTD <o:p></o:p></span></b></a></p><p class="MsoNormal" align="center" style="text-align:center;line-height:115%; tab-stops:4.5pt"><i><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;line-height:115%;font-family: "Book Antiqua",serif;mso-fareast-font-family:"Book Antiqua";mso-bidi-font-family: "Book Antiqua"">(PLAINTIFF)<o:p></o:p></span></i></p><p class="MsoNormal" align="center" style="text-align:center;line-height:115%; tab-stops:4.5pt"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;line-height:115%;font-family: "Book Antiqua",serif;mso-fareast-font-family:"Book Antiqua";mso-bidi-font-family: "Book Antiqua";color:#00B0F0">vs.<o:p></o:p></span></b></p><p class="MsoNormal" align="center" style="text-align:center;line-height:115%; tab-stops:4.5pt"><b><span style="font-size:12.0pt;mso-bidi-font-size:11.0pt;line-height:115%;font-family: "Book Antiqua",serif;mso-fareast-font-family:"Book Antiqua";mso-bidi-font-family: "Book Antiqua";color:#00B0F0">LILIAN DEDE TAGOE <o:p></o:p></span></b></p><p class="MsoNormal" align="center" style="text-align:center;line-height:115%; tab-stops:4.5pt"><i><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;line-height:115%;font-family: "Book Antiqua",serif;mso-fareast-font-family:"Book Antiqua";mso-bidi-font-family: "Book Antiqua"">(DEFENDANT)</span></i><b><span style="font-size:12.0pt;mso-bidi-font-size:11.0pt;line-height: 115%;font-family:"Book Antiqua",serif;mso-fareast-font-family:"Book Antiqua"; mso-bidi-font-family:"Book Antiqua";color:#00B0F0"><o:p></o:p></span></b></p><p class="MsoNormal" align="center" style="text-align:center;line-height:115%; tab-stops:4.5pt"><span style="font-size:10.0pt;mso-bidi-font-size: 11.0pt;line-height:115%;font-family:"Book Antiqua",serif;mso-fareast-font-family: "Book Antiqua";mso-bidi-font-family:"Book Antiqua"">[HIGH COURT, ACCRA]<o:p></o:p></span></p><p class="MsoNormal" style="text-align:justify;line-height:115%;tab-stops:4.5pt 168.75pt"><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;line-height:115%;font-family: "Book Antiqua",serif;mso-fareast-font-family:"Book Antiqua";mso-bidi-font-family: "Book Antiqua""> </span></p><div style="border-top: none; border-right: none; border-left: none; border-image: initial; border-bottom-width: 1.5pt; border-bottom-color: black; padding: 0in 0in 1pt;"> <p class="MsoNormal" style="text-align:justify;line-height:115%;tab-stops:4.5pt; border:none;mso-border-bottom-alt:solid black 1.5pt;padding:0in;mso-padding-alt: 0in 0in 1.0pt 0in"><a name="_heading=h.gjdgxs"></a><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;line-height:115%;font-family: "Book Antiqua",serif;mso-fareast-font-family:"Book Antiqua";mso-bidi-font-family: "Book Antiqua"">Suit No. BFS/122/13 DATE: 27TH MAY 2014</span><b><span style="font-size:12.0pt;mso-bidi-font-size: 11.0pt;line-height:115%;font-family:"Book Antiqua",serif;mso-fareast-font-family: "Book Antiqua";mso-bidi-font-family:"Book Antiqua""><o:p></o:p></span></b></p> </div><p class="MsoNormal" style="text-align:justify;line-height:115%;tab-stops:4.5pt"><b><span style="font-size:12.0pt;mso-bidi-font-size: 11.0pt;line-height:115%;font-family:"Book Antiqua",serif;mso-fareast-font-family: "Book Antiqua";mso-bidi-font-family:"Book Antiqua"">COUNSEL<o:p></o:p></span></b></p><div style="border-top: none; border-right: none; border-left: none; border-image: initial; border-bottom-width: 1.5pt; border-bottom-color: windowtext; padding: 0in 0in 1pt;"> <p class="MsoNormal" style="text-align:justify;line-height:115%;tab-stops:4.5pt; border:none;mso-border-bottom-alt:solid windowtext 1.5pt;padding:0in; mso-padding-alt:0in 0in 1.0pt 0in"><span style="font-size:12.0pt;mso-bidi-font-size: 11.0pt;line-height:115%;font-family:"Book Antiqua",serif;mso-fareast-font-family: "Book Antiqua";mso-bidi-font-family:"Book Antiqua";mso-bidi-font-weight:bold">JOSEPH OPOKU-BOATENG FOR PLAINTIFF <o:p></o:p></span></p> <p class="MsoNormal" style="text-align:justify;line-height:115%;tab-stops:4.5pt; border:none;mso-border-bottom-alt:solid windowtext 1.5pt;padding:0in; mso-padding-alt:0in 0in 1.0pt 0in"><span style="font-size:12.0pt;mso-bidi-font-size: 11.0pt;line-height:115%;font-family:"Book Antiqua",serif;mso-fareast-font-family: "Book Antiqua";mso-bidi-font-family:"Book Antiqua";mso-bidi-font-weight:bold">FELIX QUARTEY FOR DEFENDANT<o:p></o:p></span></p> </div><p class="MsoNormal" style="text-align:justify;line-height:115%;tab-stops:4.5pt"><b><span style="font-size:12.0pt;mso-bidi-font-size: 11.0pt;line-height:115%;font-family:"Book Antiqua",serif;mso-fareast-font-family: "Book Antiqua";mso-bidi-font-family:"Book Antiqua"">CORAM <o:p></o:p></span></b></p><p class="MsoNormal" style="text-align:justify;line-height:115%;tab-stops:4.5pt"><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-bidi-font-weight:bold">JENNIFER DODOO (MRS)</span><span style="font-size:12.0pt;mso-bidi-font-size:11.0pt;line-height:115%;font-family: "Book Antiqua",serif;mso-fareast-font-family:"Book Antiqua";mso-bidi-font-family: "Book Antiqua";mso-bidi-font-weight:bold"><o:p></o:p></span></p><div style="border-top-width: 1.5pt; border-top-color: black; border-left: none; border-bottom-width: 1.5pt; border-bottom-color: black; border-right: none; padding: 1pt 0in 0in;"> <p class="MsoNormal" align="center" style="text-align:center;line-height:115%; tab-stops:4.5pt;border:none;mso-border-top-alt:solid black 1.5pt;mso-border-bottom-alt: solid black 1.5pt;padding:0in;mso-padding-alt:1.0pt 0in 0in 0in"><b><span style="font-size:12.0pt;mso-bidi-font-size:11.0pt;line-height:115%;font-family: "Book Antiqua",serif;mso-fareast-font-family:"Book Antiqua";mso-bidi-font-family: "Book Antiqua"">JUDGMENT</span></b><b><span style="font-family:"Book Antiqua",serif; mso-fareast-font-family:"Book Antiqua";mso-bidi-font-family:"Book Antiqua""><o:p></o:p></span></b></p> </div><p class="MsoBodyText" style="margin-left:0in;text-align:justify;line-height: 115%"><span style="font-family:"Book Antiqua",serif">The<span style="letter-spacing: -.25pt"> </span>Plaintiff,<span style="letter-spacing:-.1pt"> </span>a<span style="letter-spacing:-.15pt"> </span>Non-Bank<span style="letter-spacing:-.15pt"> </span>Financial<span style="letter-spacing:-.25pt"> </span>Institution,<span style="letter-spacing:-.15pt"> </span>claimed<span style="letter-spacing:-.1pt"> </span>against<span style="letter-spacing:-.15pt"> </span>the<span style="letter-spacing:-.15pt"> </span>Defendant<span style="letter-spacing: -.15pt"> </span><span style="letter-spacing:-.25pt">an</span> amount<span style="letter-spacing:-.2pt"> </span>of<span style="letter-spacing:-.25pt"> </span>GH¢200,000.00<span style="letter-spacing:-.25pt"> </span>together<span style="letter-spacing:-.1pt"> </span>with<span style="letter-spacing:-.2pt"> </span>interest.<span style="letter-spacing:2.0pt"> </span>It<span style="letter-spacing:-.2pt"> </span>was<span style="letter-spacing:-.2pt"> </span>the<span style="letter-spacing:-.2pt"> </span>Plaintiff’s<span style="letter-spacing:-.15pt"> </span>case<span style="letter-spacing:-.15pt"> </span>that the Defendant offered her landed property as security for a loan granted by the Plaintiff to one of its customers, the Hemo Ke Yeli Society.<span style="letter-spacing:4.0pt"> </span>In addition to this, the Plaintiff stated that the Defendant also executed a personal guarantee in its favour as additional security for the loan.<o:p></o:p></span></p><p class="MsoBodyText" style="margin-left:0in;text-align:justify;line-height: 115%"><span style="font-family:"Book Antiqua",serif">The Defendant in her defence denied these assertions stating that she had never been<span style="letter-spacing:-.2pt"> </span>a<span style="letter-spacing:-.2pt"> </span>member<span style="letter-spacing:-.2pt"> </span>of<span style="letter-spacing:-.2pt"> </span>the<span style="letter-spacing:-.15pt"> </span>Hemo<span style="letter-spacing:-.2pt"> </span>Ke<span style="letter-spacing:-.15pt"> </span>Yeli<span style="letter-spacing:-.2pt"> </span>Society<span style="letter-spacing:-.15pt"> </span>and<span style="letter-spacing:-.15pt"> </span>therefore<span style="letter-spacing:-.15pt"> </span>could<span style="letter-spacing:-.15pt"> </span>not<span style="letter-spacing:-.15pt"> </span>have<span style="letter-spacing:-.15pt"> </span>given<span style="letter-spacing:-.2pt"> </span>her property as security for any loan this society had contracted.<span style="letter-spacing:2.0pt"> </span>She contended that any document purporting to be evidence of the transaction was fraudulent.<span style="letter-spacing: 4.0pt"> </span>She said the Plaintiff had no cause of action against her.<o:p></o:p></span></p><p class="MsoBodyText" style="margin-left:0in;text-align:justify;line-height: 115%"><span style="font-family:"Book Antiqua",serif"> </span></p><p class="MsoBodyText" style="margin-left:0in;text-align:justify;line-height: 115%"><span style="font-family:"Book Antiqua",serif">The<span style="letter-spacing: -.05pt"> </span>issues<span style="letter-spacing:-.05pt"> </span>set<span style="letter-spacing:-.2pt"> </span>down<span style="letter-spacing:-.05pt"> </span>for<span style="letter-spacing:.05pt"> </span>trial<span style="letter-spacing:-.15pt"> </span>were<span style="letter-spacing:-.05pt"> </span>as <span style="letter-spacing:-.1pt">follows:</span><o:p></o:p></span></p><p class="MsoBodyText" style="margin-left:0in;text-align:justify;line-height: 115%"><span style="font-family:"Book Antiqua",serif"> </span></p><p class="MsoListParagraph" style="margin-left:61.0pt;text-align:justify; text-indent:-.5in;line-height:115%;mso-list:l2 level1 lfo4;tab-stops:42.9pt 61.0pt"><!--[if !supportLists]--><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-fareast-font-family:"Book Antiqua";mso-bidi-font-family:"Book Antiqua"">1.<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: "Times New Roman";"> </span></span><!--[endif]--><span style="font-size:12.0pt;line-height:115%; font-family:"Book Antiqua",serif">Whether<span style="letter-spacing:-.1pt"> </span>or<span style="letter-spacing:-.1pt"> </span>not<span style="letter-spacing:-.15pt"> </span>the<span style="letter-