MARK OFORI-AMANFO vs. INTERNATIONAL COMMERCIAL BANK [2016]DLHC12186

Date	2016-11-24
Suit No.	CASE NO. AL 581/2011
Citation No.	[2016]DLHC12186

HIS LORDSHIP JUSTICE R. B. BATU J

ANITA DELIGHT DANQUAH FOR HAROLD TIVAH ATUGUBA FOR PLAINTIFF

KWADWO ADDEAH – SARFO FOR DR. KWAKU ADDEAH FOR DEFENDANT

[2016]DLHC12186
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													<main id="main" class="content" style="min-height: 60rem" >MARK OFORI-AMANFO<o:p></o:p>(PLAINTIFF)<o:p></o:p>vs.<o:p></o:p><a name="_heading=h.gjdgxs"></a>INTERNATIONAL
COMMERCIAL BANK <o:p></o:p>(DEFENDANT)<o:p></o:p>[HIGH
COURT (LAND DIVISION) ACCRA]<o:p></o:p>&nbsp;<div style="border-top: none; border-right: none; border-left: none; border-image: initial; border-bottom-width: 1.5pt; border-bottom-color: black; padding: 0cm 0cm 1pt;">

CASE
NO. AL 581/2011&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &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: 24TH NOVEMBER 2016<o:p></o:p>

</div>COUNSEL&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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><div style="border-top: none; border-right: none; border-left: none; border-image: initial; border-bottom-width: 1.5pt; border-bottom-color: windowtext; padding: 0cm 0cm 1pt;">

ANITA DELIGHT DANQUAH
FOR HAROLD TIVAH ATUGUBA FOR PLAINTIFF<o:p></o:p>

KWADWO ADDEAH – SARFO
FOR DR. KWAKU ADDEAH FOR DEFENDANT<o:p></o:p>

</div>CORAM<o:p></o:p>HIS LORDSHIP JUSTICE R. B. BATU J<o:p></o:p><div style="border-top-width: 1.5pt; border-top-color: black; border-left: none; border-bottom-width: 1.5pt; border-bottom-color: black; border-right: none; padding: 1pt 0cm;">

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

</div>Plaintiff
is a Ghana born United States of America citizen and a director of a Ghanaian
Company Technology Solutions Limited. Defendant
is a limited liability company engaged in the business of banking. In March 2010 Technology Solutions took a
loan of One Million Ghana Cedis (GH¢1,000,000.00) from the Defendant after an
earlier loan of six Hundred Thousand Ghana Cedis (GH¢600,000,000.00) from UT
Financial Services. As part of the process
the directors of the company
provided a joint guarantee and the plaintiff further
secured the loan with his house at Adjiringano. According to the plaintiff as per
his statement of claim he
was due to leave the country before the documentation was complete. The defendant therefore on 20th
March, 2010 gave him three blank sheets to sign his signature on so that those
signatures could be scanned unto the loan application form and mortgage when the documents were ready. He also says the
defendant requested the consent of his wife
in writing and gave him a
document dated 18th March 2010 to be given to his wife in the United
States of America for the purpose. His wife however decided against using the
property as a mortgage.<o:p></o:p>&nbsp;The defendant however fraudulently scanned
his signature on to the mortgage deed without his consent and the dissent of
his wife per letter dated 3rd April 2010 notwithstanding. That information came to him in the United
States of America from David Noye one of the directors of the company on 17th
May 2010. On 10th October,
2010, his wife and him received the deed of mortgage dated 20th October 2010.
Plaintiff’s case is that he never executed any deed of mortgage or guarantee
with the defendant. He indicates that
after he left Ghana he never returned until 20th February 2013.<o:p></o:p>&nbsp;The defendant counters this in its statement
of defence and says, the suit – is an afterthought calculated to mislead
the court and brought in bad faith.
It says, the plaintiff
in his own handwriting executed
the mortgage deed and the Directors Joint
and