GHANA HOME LOAN LTD vs. KIMATHI MAWUSE DAKE & 2 ORS [2015]DLCA3139

Date	2015-04-23
Suit No.	CIVIL APPEAL NO. H1/40/2015
Citation No.	[2015]DLCA3139

MARFUL-SAU J. A (PRESIDING)

ACQUAYE J.A.

TORKORNOO J. A.

MARCUS OWUSU PEPRAH FOR 1ST AND 2ND DEFENDANTS/APPLICANTS

AMELIA ADJOTEYE FOR PLAINTIFF/RESPONDENT

[2015]DLCA3139
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GHANA HOME LOAN LTD

&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; vs.&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;[COURT OF APPEAL, KUMASI]

CIVIL
APPEAL NO. H1/40/2015&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: 23RD
APRIL, 2015

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COUNSEL:&nbsp;&nbsp;

MARCUS OWUSU PEPRAH FOR 1ST
AND 2ND DEFENDANTS/APPLICANTS,

AMELIA
ADJOTEYE FOR PLAINTIFF/RESPONDENT

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CORAM:

MARFUL-SAU
J. A (PRESIDING), ACQUAYE J.A. ,TORKORNOO J. A.

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&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;

JUDGEMENT

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TORKORNOO, J. A:

The
Appellants were sued for the sum of $147,038.52, interest thereon at the rate
of 18.5% per annum from 10th July, 2012 to date of final payment,
and costs of the action. Along with a Statement of Defence to the action, they
counterclaimed for

a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; A declaration that on a proper
interpretation of the agreement the interest applied historically by the Plaintiff
is wrong.

b.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An order for all true proper and
necessary account to be taken between the parties on all payments made and
received by Plaintiff to ascertain the correct account between the parties.

c.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; A declaration that the agreement
between the parties is still subsisting and valid.

d.&nbsp;&nbsp;&nbsp;&nbsp; A declaration that the suit is caught
by the doctrine of lis alibi pendes, is an abuse of process and not
maintainable.

The Respondents filed an application
for summary judgment which was granted. The judgment can be found on pages 90 and
91 of the Record of Appeal. In her judgment, the learned trial judge cited Sam
Jonah v. Duodu –Kumi (2003 – 2004) SC GLR 50 in which the Supreme court held
that in an application for summary judgment, a court must critically examine
the pleadings and be satisfied that there are no triable issues of fact or of
law for which a Defendant should be granted leave to defend. She held that in
the case before her, the thrust of the defence mounted by defendant was that
the rate of interest stated on the Statement of Claim is not what the parties
agreed to. She said that after reading Exhibit YE1, she would uphold the
submission by counsel for Applicant (Respondent herein) that the agreed
interest rate is as stated in the agreement. Further, she was ‘satisfied that the Defendant has no
demonstrable defence to the Plaintiff’s claim’. She entered judgment as
prayed on 17th June 2013.

On 10th July 2013, she
dismissed an application to set aside the judgment she entered. This ruling can
be found on pages 128 and 129 of the Record of Appeal. This appeal was filed
against this decision refusing to set aside the summary judgment. Notice of the
appeal can be found on pages 130 t0 131 of the ROA. &nbsp;The grounds of appeal are:

a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; That the Appellant demonstrated a
defence to the Plaintiff’s claim and the learned trial judge erred in law in
not setting aside the Summary Judgment dated the 17th of June, 2013.