GHANA COMMERCIAL BANK LTD. vs. KOFI AGYEKUM AND HAJARA SALIFU [2015]DLCA8022

Date	2015-12-10
Suit No.	CIVIL APPEAL N0.: H1/145/2015
Citation No.	[2015]DLCA8022

P. K. GYAESAYOR J.A. (PRESIDING)

A. M. A. DORDZIE J.A.

L. L. MENSAH J.A.

S. K. AMOAH FOR DEFENDANTS / RESPONDENTS.

KWARE ASIRI FOR PLAINTIFF / APPELLANT.

[2015]DLCA8022
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													<main id="main" class="content" style="min-height: 60rem" >GHANA COMMERCIAL BANK LTD.<o:p></o:p>(PLAINTIFF
/ APPELLANT)<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>KOFI AGYEKUM AND HAJARA SALIFU<o:p></o:p>(DEFENDANTS / RESPONDENTS)<o:p></o:p>[COURT OF APPEAL, ACCRA]<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 N0.: H1/145/2015&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DATE: 10TH DECEMBER, 2015<o:p></o:p>

</div>COUNSEL:<o:p></o:p>S. K. AMOAH FOR DEFENDANTS / RESPONDENTS. <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">

KWARE ASIRI FOR
PLAINTIFF / APPELLANT.&nbsp;&nbsp; <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">

P. K. GYAESAYOR J.A.
(PRESIDING), A. M. A. DORDZIE J.A., L. L. MENSAH J.A.<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">

JUDGMENT<o:p></o:p>

</div>A.
M. DORDZIE JA:-<o:p></o:p>FACTS:<o:p></o:p>The
appellant herein, Ghana Commercial Bank Ltd granted a loan facility to one
David Duah Boateng trading as Sankofa Motors.&nbsp;
To secure the facility, the respondents herein as mortgagors charged
their properties to the bank. David Duah Boateng defaulted in the payment of
the loan facility; in a suit numbered E2/46/06 the appellant obtained judgment
from the High court Tema to recover the loan amount plus interest. David Duah
Boateng failed to pay the judgment debt.&nbsp;
The appellant therefore instituted the action culminating in this appeal
in the Commercial Division of the High Court, Accra against the respondents as
mortgagors for the following reliefs:<o:p></o:p>1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Recovery of the sum of
GH¢458,460.20 owed by the defendants to the plaintiff as at 31st
December 2011 as mortgagors of David Duah Boateng.<o:p></o:p>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Interest on the
Ghc¢458,460.20 compounded at the prevailing rate determined by the plaintiff
from 31st December 2011 till the date of final payment.<o:p></o:p>3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
An order for judicial sale
of the defendants’ properties described in the statement of claim in recovery
of the amounts specified in reliefs 1 &amp; 2.<o:p></o:p>The
2nd defendant entered a conditional appearance and subsequently
applied for her name to be struck out from the suit on grounds that she was
wrongfully joined to the suit; a similar suit on the same subject matter
brought against her by the plaintiff had been dismissed, as such the plaintiff
was estopped from commencing the present action against her; the action is an
abuse of the court’s process.<o:p></o:p>In
determining the 2nd defendant/respondent’s application, the High
Court struck out the entire suit on the ground that it is a gross and patent
abuse of the court process. <o:p></o:p>The
appellants aggrieved by the ruling brought this appeal praying this court to
reverse t</main>