CORNELIUS OGBU HOUSE No. 25 NEW SITE, TAKORADI vs. ACCESS BANK (GH) LTD 91 STARLET ROAD OPPOSITE ACCRA STADIUM ACCRA. [2015]DLCA8015

CORNELIUS OGBU HOUSE No. 25 NEW SITE, TAKORADI vs. ACCESS BANK (GH) LTD 91 STARL... [2015]DLCA8015

Date	2015-02-18
Suit No.	CIVIL APPEAL SUIT NO: H1/16/15
Citation No.	[2015]DLCA8015

C. J. HONYENUGA J.A (PRESIDING)

B. F. ACKAH-YENSU J.A

SAEED K. GYAN JA

AUGUSTINE AVOUR-MENSAH FOR PLAINTIFF/RESPONDENT

AMUA-SEKYI FOR DEFENDANT/APPELLANT ABSENT

[2015]DLCA8015
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													<main id="main" class="content" style="min-height: 60rem" >CORNELIUS OGBU HOUSE No. 25 NEW
SITE, TAKORADI<o:p></o:p>(PLAINTIFF/
RESPONDENT)<o:p></o:p><span lang="EN-US" style="font-size:12.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,serif;
mso-fareast-font-family:&quot;Book Antiqua&quot;;mso-bidi-font-family:&quot;Book Antiqua&quot;;
color:#00B0F0">vs.<o:p></o:p>ACCESS BANK (GH) LTD 91 STARLET
ROAD OPPOSITE ACCRA STADIUM ACCRA.<o:p></o:p>(DEFENDANT/ APPELLANT)<o:p></o:p>[COURT OF APPEAL, CAPECOAST]<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0cm 0cm 1.0pt 0cm">

CIVIL APPEAL SUIT NO: H1/16/15&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &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:
18TH FEBRUARY, 2015<o:p></o:p>

</div>COUNSEL:<o:p></o:p>AUGUSTINE AVOUR-MENSAH FOR PLAINTIFF/RESPONDENT<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0cm 0cm 1.0pt 0cm">

AMUA-SEKYI FOR
DEFENDANT/APPELLANT ABSENT<o:p></o:p>

</div>CORAM:<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0cm 0cm 1.0pt 0cm">

C. J. HONYENUGA J.A
(PRESIDING), B. F. ACKAH-YENSU J.A, SAEED K. GYAN JA<o:p></o:p>

</div>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0cm 0cm 1.0pt 0cm">

<p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt;
text-align:center;border:none;mso-border-bottom-alt:solid windowtext 1.5pt;
padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm">JUDGMENT<o:p></o:p>

</div>BARBARA
ACKAH-YENSU, JA<o:p></o:p>This
an appeal filed by the Defendant/Appellant herein against the judgment of the
High Court sitting at Tarkwa, and dated 4th March, 2014. The brief
facts of the case are that the Plaintiff/Respondent who is a customer of the Defendant
Bank, claimed that his Statement of Account No.008023076571 for the period 1st
April, 2012 to 22nd November, 2012 did not reflect transactions,
particularly deposits made by his storekeeper Samuel Kodua, with the Tarkwa
Branch of the Defendant Bank. The Plaintiff/Respondent contended that although
the Tellers of the Defendant Bank stamped and signed the pay-in-slips presented
to them as received, the amount thereon did not reflect in the said Statement
of Account. The total value of the said pay-in-slips amounted to Gh¢57,340.00.<o:p></o:p>The Tellers of the Defendant Bank were arrested pursuant
to a complaint lodged by the Plaintiff/Respondent to the Police at Tarkwa.&nbsp; Counsel for the Plaintiff/Respondent, on or
about 27th November, 2012, informed the Defendant Bank that the said
pay-in-slips were indeed stamped officially with stamps of the Defendant Bank
and signed by them as having received the amounts stated therein. The said Counsel
also informed Plaintiff/Respondent of the need to refund to him the sum of
Gh¢57,340.00 plus GH¢10,000.00 representing damages for negligence, interest, as
well as legal fees. <o:p></o:p>The Plaintiff/Respondent averred that the Defendant/Appellant
had perpetrated fraud on him by colluding with his store keeper to dupe him of
the said sum of Gh¢57,340.00. That, the said fraudulent acts had occasioned
financial losses to the Plaintiff’s business leading to loss of confidence of
Plaintiff’s creditors and a resultant loss in credit worthiness.<o:p></o:p>The Defendant/Appellant denied the allegations made by
the Plaintiff/Respondent and contended that the cash deposit book of the
Plaintiff/Respondent was kept by his agent and/or servant, Samuel Kodua. That,
from the Defendant Bank’s records the said amount of Gh¢57,340.00 was never
paid into the Plaintiff/Respondent’s account at the Bank.&nbsp; It was the said Samuel Kodua who managed to
forge the last copies of the cash pay-in-slips to read amounts he never paid
into the account.&nbsp; Samuel Kodua was arrested
by the Police as well as the Tellers of the Defendant Bank, and Samuel Kodua
confessed that he had forged the last sheets of the pay-in-slips and thus never
paid into the Plaintiff’s bank account the said sum of Gh¢57,340.00.<o:p></o:p>At the end of the trial, the Judge found that the Plaintiff/Respondent
had established his case on the balance of probabilities.&nbsp; He accordingly entered judgment for the Plaintiff/Respondent
and against the Defendant Bank. The Defendant/Appellant, aggrieved by this
decision filed an appeal upon the following grounds:<o:p></o:p>a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The judgment failed to take
cognizance of the claim for negligence as juxtaposed to that for a liquidated
claim.<o:p></o:p>b.&nbsp;&nbsp;&nbsp;&nbsp; The evidence at the trial
was clear that the monies claimed by the plaintiff were never paid into his
account by his own servant and/or agent.<o:p></o:p></</main>