PAA KOW COLE vs. AGRICULTURAL DEVELOPMENT BANK, STEPHEN AMANKWANDOH [2016]DLHC12188

Date	2016-10-21
Suit No.	SUIT NO. AB 58/2011
Citation No.	[2016]DLHC12188

HIS LORDSHIP JUSTICE R. B. BATU J

DENNIS ARMAH FOR KWASI COLEMAN FOR PLAINTIFF

EMELIA CROFFIE FOR DEFENDANT

[2016]DLHC12188
																																						<div class="restriction-wrapper">
														<div class="container-lg">
															<div class="row">
																<div class="col-md-12 restricted-content">
																	<div class="restricted-content-img-wrapper">
																		<div class="lock-icon bounce-7">
																			<img class=""
																				src="https://www.dennislawgh.com/dl-assets/dl-images/lock-content.png"
																				alt="Subscription based content">
																		</div>
																	</div>
																	 
																		<a href="https://www.dennislawgh.com/login"
																		class="btn btn-primary btn-lg"
																		style="font-family: 'open sans'; text-transform: capitalize; border-radius: 8px"> 
																		Login to Read Full Case </a>
																	 
																	
																</div>
															</div>
														</div>
													</div>
													<main id="main" class="content" style="min-height: 60rem" >PAA KOW COLE<o:p></o:p>(PLAINTIFF)<o:p></o:p>vs.<o:p></o:p><a name="_heading=h.gjdgxs"></a>AGRICULTURAL
DEVELOPMENT BANK, STEPHEN AMANKWANDOH <o:p></o:p>(DEFENDANTS)<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;">

SUIT
NO. AB 58/2011&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; &nbsp;DATE: 21ST OCTOBER 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;">

DENNIS ARMAH FOR
KWASI COLEMAN FOR PLAINTIFF <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>The
facts of this case are not complicated. The
plaintiff is a lecturer in mathematics at the University of Cape Coast. He is also a customer with the first defendant at its Cape Coast branch.
The second defendant is a longtime
friend of the plaintiff. They grew up together in Swedru and
attended Swedru Secondary School together. Second
defendant attended University of Ghana and Plaintiff attended University of
Cape Coast where he became a lecturer after he had completed his masters
program. Second Defendant was
transferred to the University of Cape Coast branch of the first Defendant bank
as a credit officer. They both lived
in the same neighbourhood, Pedu five minutes’
walk apart. The Manager of the
University of Cape Coast branch of the Defendant bank went on a 72 day extended
leave and the Second Defendant became the Acting Manager.<o:p></o:p>On
22nd July, 2010, the Second Defendant approached Plaintiff for a
financial help. He explained that he
needed Ten Thousand Ghana Cedis (GH¢10,000.00) urgently. He had become untiled to A Sixty-Five Thousand Ghana Cedis
(GH¢65,000.00) housing loan but still owned Ten Thousand Ghana Cedis
(GH¢10,000.00) on a car loan he had taken. He
therefore needed the Ten Thousand Ghana Cedis (GH¢10,000.00) to pay off the car
loan to unable him access the Sixty-Five Thousand Ghana Cedis (GH¢65,000.00) loan. He (Plaintiff) told Second Defendant that he
had just about Two Thousand Ghana Cedis in his account and could not help. The following day the Second
Defendant again went to him over the issue and explained
to him that Plaintiff could help him with an overdraft, that is, money he could
get in case of emergency and that he (Second Defendant) could arrange the overdraft. The Plaintiff wrote a cash cheque, Exhibit “1” endorsed the back of the cheque and gave it to the Second Defendant. Second Defendant promised that within three
days he would pay back the money into the Plaintiff’s account. On the same 23rd July, 2010,
Second Defendant managed to get the cashier
of his