KINGSLEY ABBEY AND TWO OTHERS vs. IFS FINANCE & LEASING CO. LTD AND ANOTHER [2016]DLCA4849

Date	2016-06-09
Suit No.	CIVIL APPEAL N0: H1/99/2015
Citation No.	[2016]DLCA4849

P. K. GYAESAYOR JA (PRESIDING)

A M. DORDZIE JA

L. L. MENSAH JA

MR. S. N. ADJEI FOR THE RESPONDENT

LAURENCIA ADIKA FOR THE APPELLANT

[2016]DLCA4849
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													<main id="main" class="content" style="min-height: 60rem" ><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:Calibri;
mso-bidi-theme-font:minor-latin"><o:p>&nbsp;</o:p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; KINGSLEY
ABBEY AND TWO OTHERS<o:p></o:p><span style="font-size:10.0pt;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:Calibri;
mso-bidi-theme-font:minor-latin">(DEFENDANT/APPELLANT)<o:p></o:p>vs.<o:p></o:p>IFS FINANCE &amp;
LEASING CO. LTD&nbsp;&nbsp;&nbsp; AND ANOTHER<o:p></o:p>(PLAINTIFF/ RESPONDENT)<o:p></o:p>[<span style="font-size:10.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;
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mso-bidi-theme-font:minor-latin">COURT OF APPEAL (COMMERCIAL
DIVISION), ACCRA]<o:p></o:p><o:p>&nbsp;</o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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<p class="MsoNormal" style="margin:0in;margin-bottom:.0001pt;mso-add-space:auto;
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&quot;Arial Unicode MS&quot;;mso-bidi-font-family:Calibri;mso-bidi-theme-font:minor-latin">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;CIVIL APPEAL N0: H1/99/2015<span style="font-size:10.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;
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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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DATE: 9TH JUNE 2016<o:p></o:p>

</div>COUNSEL:<o:p></o:p>MR. S. N. ADJEI FOR
THE RESPONDENT<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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LAURENCIA ADIKA FOR THE APPELLANT<o:p></o:p>

</div>CORAM:
<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:Calibri;
mso-bidi-theme-font:minor-latin">P. K. GYAESAYOR JA (PRESIDING), A M. DORDZIE
JA, L. L. MENSAH JA<o:p></o:p><div style="mso-element:para-border-div;border-top:solid windowtext 1.5pt;
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115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Arial Unicode MS&quot;;
mso-bidi-font-family:Calibri;mso-bidi-theme-font:minor-latin">JUDGMENT<o:p></o:p>

</div>A. M. DORDZIE JA:-<o:p></o:p><o:p>&nbsp;</o:p>FACTS: &nbsp;IFS Finance &amp; Leasing Company granted a
loan facility to the 1st defendant Kingsley Abbey. The 2nd
defendant was the guarantor of the said facility and the 3rd
defendant provided his landed property as security for the loan. The 1st
defendant defaulted in paying back the loan. The finance company therefore instituted
an action against them, jointly and severally in the High Court, Accra
(Commercial Division) to recover the loan and succeeded in obtaining judgment
against the defendants. In the execution of the said judgment the 3rd
defendant’s landed property which was used as collateral to secure the loan was
auctioned; the respondent herein is a representative of the purchaser of the
property at the auction.<o:p></o:p>I
find it helpful in understanding the facts leading to this appeal to narrate,
sequence by sequence the execution process followed by the plaintiff as
disclosed by the record.<o:p></o:p>To
start with, a writ of Fieri Facias was issued on 28th of May 2010
and the landed property situate at Alhaji, a suburb of Accra was attached and
auctioned.<o:p></o:p>The
purchaser brought a motion under Order 45 Rule 12 (3) of C. I. 47 praying for
the delivery of the property sold to him. The court granted the application and
ordered the occupants of the property to deliver vacant possession to the
purchaser. The court further ordered that if need be the purchaser may remove
the occupants with the assistance of the police. &nbsp;<o:p></o:p>A
formal order to this effect was drawn up by the registrar of the High Court and
issued on the 4th of April 2014.<o:p></o:p>Strangely
the purchaser did not enforce this order but counsel for the purchaser came
back to court and filed an application under Order 43 Rule 3 (1) (a) for&nbsp; writ of possession. This application was filed
on the 9th of April 2014. The application was granted and a writ of
possession was issued. (See page 154 of Record of Appeal)<o:p></o:p>The
appellant herein applied for stay of execution and for the writ of possession
to be set aside. This application was filed on the 11th of April
2014.<o:p></o:p>On
the 6th of June 2014 the court gave a ruling dismissing the said application
for stay of execution. (See page 210 of the record)<o:p></o:p>