GHANA HOME LOAN LTD (PLAINTIFF/RESPONDENT) vs. KIMATHI MAWUSE DAKE & 2 ORS (DEFENDATS/APPELLANTS) [2015]DLCA7108

GHANA HOME LOAN LTD (PLAINTIFF/RESPONDENT) vs. KIMATHI MAWUSE DAKE & 2 ORS (DEFE... [2015]DLCA7108

Date	2015-04-23
Suit No.	SUIT NO.: H1/40/2015
Citation No.	[2015]DLCA7108

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]DLCA7108
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													<main id="main" class="content" style="min-height: 60rem" >GHANA HOME LOAN LTD<o:p></o:p>(PLAINTIFF/RESPONDENT)<o:p></o:p>vs.<o:p></o:p>KIMATHI MAWUSE DAKE &amp; 2 ORS<o:p></o:p>(DEFENDATS/APPELLANTS)<o:p></o:p>[COURT OF APPEAL, ACCRA]<o:p></o:p>SUIT
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; &nbsp; &nbsp; &nbsp; &nbsp;DATE: 23RD APRIL, 2015<o:p></o:p><div style="mso-element:para-border-div;border-top:solid windowtext 1.5pt;
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<p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;border:none;
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<o:p></o:p>

<p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;border:none;
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padding:0in;mso-padding-alt:1.0pt 0in 1.0pt 0in">MARCUS OWUSU PEPRAH FOR
1ST AND 2ND DEFENDANTS/APPLICANTS <o:p></o:p>

<p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;border:none;
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padding:0in;mso-padding-alt:1.0pt 0in 1.0pt 0in">AMELIA ADJOTEYE FOR
PLAINTIFF/RESPONDENT<o:p></o:p>

</div>CORAM:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<o:p></o:p>MARFUL-SAU
J.A. (PRESIDING), ACQUAYE J A., TORKORNOO J. A<o:p></o:p><div style="mso-element:para-border-div;border-top:solid windowtext 1.5pt;
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<p class="MsoNormal" align="center" style="margin-bottom:0in;margin-bottom:.0001pt;
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</div>TORKORNOO, J. A.<o:p></o:p>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 <o:p></o:p>a.
A declaration that on a proper interpretation of the agreement the interest
applied historically by the Plaintiff is wrong.<o:p></o:p>&nbsp;b. 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. <o:p></o:p>c.
A declaration that the agreement between the parties is still subsisting and
valid.<o:p></o:p>d.
A declaration that the suit is caught by the doctrine of lis alibi pendes, is
an abuse of process and not maintainable.<o:p></o:p>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. <o:p></o:p>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 to 131 of the ROA. The grounds of appeal are:<o:p></o:p>&nbsp;a. 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. <o:p></o:p>b.
That there is a substantial defect in the Respondents Statement of Claim which
is not deserving of a grant of Summary Judgment.<o:p></o:p>&nbsp;c. Additional grounds to be filed upon receipt
of proceedings and certified true copy of the ruling. <o:p></o:p>These additional grounds
of appeal can be found on pages 132 and 133. They are:<o:p></o:p>&nbsp;1. The ruling is against the weight of
evidence on record before the court. <o:p></o:p>2.
The learned judge erred in law when she held that the defects on the
Respondent's Statement of Claim were irregularities which should have been
raised timeously. <o:p></o:p>