GOOD NEWS CO-OP. CREDIT UNION vs. ALHAJI MOHAMMED MUSAH [2014]DLHC3867

Date	2014-02-14
Suit No.	SUIT NO.OCC/10/13
Citation No.	[2014]DLHC3867

ANGELINA MENSAH-HOMIAH (MRS.) JUSTICE OF THE HIGH COURT

KWABENA ASANTE KROBEA FOR THE PLAINTIFF

MUJEEB RAHMAN AHMED FOR THE DEFENDANT

[2014]DLHC3867
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													<main id="main" class="content" style="min-height: 60rem" >GOOD NEWS CO-OP. CREDIT
UNION<o:p></o:p>vs.<o:p></o:p>ALHAJI MOHAMMED MUSAH <o:p></o:p>[HIGH COURT (COMMERCIAL DIVISION), KUMASI]<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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SUIT NO.OCC/10/13&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: 14TH FEBRUARY, 2014<o:p></o:p>

</div>COUNSEL:&nbsp;&nbsp; <o:p></o:p>KWABENA ASANTE KROBEA FOR
THE PLAINTIFF<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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ANGELINA
MENSAH-HOMIAH (MRS.)<span style="font-size:12.0pt;line-height:115%;
font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Arial Unicode MS&quot;;
mso-bidi-font-family:&quot;Arial Unicode MS&quot;"> JUSTICE OF THE HIGH COURT<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">

</div><span style="font-size:12.0pt;
line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:
&quot;Arial Unicode MS&quot;;mso-bidi-font-family:&quot;Arial Unicode MS&quot;;mso-ansi-language:
EN-US">This is a debt recovery action. Per the endorsement on the Plaintiff’s
writ of summons, the debit balance on a loan allegedly granted to the Defendant
in September, 2012 stood at GH¢ 72,300.00. The Plaintiff also claimed interest
on this amount at the prevailing bank rate. Alternatively, the Plaintiff sought
an order for judicial sale of property numbered Plot 95 Block D, New Kyekyere
in Kumasi.<o:p></o:p><span style="font-size:12.0pt;
line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:
&quot;Arial Unicode MS&quot;;mso-bidi-font-family:&quot;Arial Unicode MS&quot;;mso-ansi-language:
EN-US">The Defendant did not deny taking the said loan. His defence was that
even though he has executed the contract in respect of which he took the loan,
payments remain outstanding and this fact is known to the Plaintiff. He also
challenged the payments which the Plaintiff said it had so far received.<o:p></o:p><span style="font-size:12.0pt;
line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:
&quot;Arial Unicode MS&quot;;mso-bidi-font-family:&quot;Arial Unicode MS&quot;;mso-ansi-language:
EN-US">By way of reply, the Plaintiff averred that no bank account was opened
in the joint names of the parties but cheques were to be issued in their joint
names. Further, the Plaintiff stated that an enquiry conducted at the Komfo
Anokye Teaching Hospital (KATH) administration proved that the first payment
has already been made to the Defendant. It was the Plaintiff’s case that per
the offer letter, payment ought to have been made within three months and that
the mode of payment by KATH was to ensure that the loan was paid. It was
therefore not a condition for the repayment of the loan.<o:p></o:p><span style="font-size:12.0pt;
line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:
&quot;Arial Unicode MS&quot;;mso-bidi-font-family:&quot;Arial Unicode MS&quot;;mso-ansi-language:
EN-US">Three straight forward issues were set down for this trial:<o:p></o:p><span style="font-size:12.0pt;
line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:
&quot;Book Antiqua&quot;;mso-bidi-font-family:&quot;Book Antiqua&quot;;mso-ansi-language:EN-US">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<span style="font-size:12.0pt;line-height:115%;
font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Arial Unicode MS&quot;;
mso-bidi-font-family:&quot;Arial Unicode MS&quot;;mso-ansi-language:EN-US">Whether or not
the repayment of the loan Plaintiff granted to the Defendant Company was
contingent upon KATH paying the Defendant the contract fee between KATH and the
Defendant?<o:p></o:p><span style="font-size:12.0pt;
line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:
&quot;Book Antiqua&quot;;mso-bidi-font-family:&quot;Book Antiqua&quot;;mso-ansi-language:EN-US">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<span style="font-size:12.0pt;line-height:115%;
font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Arial Unicode MS&quot;;
mso-bidi-font-family:&quot;Arial Unicode MS&quot;;mso-ansi-language:EN-US">Whether or not
the Defendant was to pay the loan facility within three months of disbursement?<o:p></o:p><span style="font-size:12.0pt;
line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:
&quot;Book Antiqua&quot;;mso-bidi-font-family:&quot;Book Antiqua&quot;;mso-ansi-language:EN-US">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<span style="font-size:12.0pt;line-height:115%;
font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Arial Unicode MS&quot;;
mso-bidi-font-family:&quot;Arial Unicode MS&quot;;mso-ansi-language:EN-US">Whether or not
Plaintiff is entitled to its claims?<o:p></o:p><span style="font-size:12.0pt;
line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:
&quot;Arial Unicode MS&quot;;mso-bidi-font-family:&quot;Arial Unicode MS&quot;;mso-ansi-language:
EN-US"><o:p>&nbsp;</o:p><span style="font-size:12.0pt;
line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:
&quot;Arial Unicode MS&quot;;mso-bidi-font-family:&quot;Arial Unicode MS&quot;;mso-ansi-language:
EN-US">The Def</main>