SELINA ASANTE vs. HFC BANK GHANA LIMITED [2016]DLHC4222

Date	2016-06-10
Suit No.	SUIT NO. RPC 320/2013
Citation No.	[2016]DLHC4222

SAMUEL K. A. ASIEDU

MR. FELIX ABOAGYE FOR THE PLAINTIFF

MR. HANS AWUDEY FOR THE DEFENDANT

[2016]DLHC4222
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													<main id="main" class="content" style="min-height: 60rem" ><a name="OLE_LINK1">SELINA ASANTE<o:p></o:p></a>vs.<o:p></o:p>HFC BANK GHANA LIMITED<o:p></o:p>&nbsp;[HIGH COURT (COMMERCIAL DIVISION), ACCRA]<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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SUIT NO. RPC 320/2013&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &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 JUNE, 2016 <o:p></o:p>

</div>COUNSEL:&nbsp;&nbsp; <o:p></o:p>MR. FELIX ABOAGYE FOR THE PLAINTIFF<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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SAMUEL K. A. ASIEDU,
JUSTICE OF THE HIGH COURT<o:p></o:p>

<p class="MsoNormal" align="center" style="margin-bottom:0in;margin-bottom:.0001pt;
text-align:center;border:none;mso-border-bottom-alt:solid windowtext 1.5pt;
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</div>By a writ of summons the plaintiff claims
against the defendant<o:p></o:p><ol style="margin-top:0in" start="1" type="a">
 <li class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; border: none;">Immediate refund of the sum of GH₵27,766.74 being excess loan repayment
 made.<o:p></o:p></li>
 <li class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; border: none;">An order of the court directed at the
 defendant to stop forthwith the debiting of the plaintiff’s loan account.<o:p></o:p></li>
 <li class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; border: none;">An order for the furnishing of a
 comprehensive statement of account starting from the day the facility was
 granted.<o:p></o:p></li>
 <li class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; border: none;">An appointment of an independent auditor
 to go into the accounts of the loan.<o:p></o:p></li>
 <li class="MsoNormal" style="text-align: justify; border: none;">Any other
 order(s) as to this Honourable Court may seem meet.<o:p></o:p></li>
</ol>The defendant entered appearance after
service of the writ and the statement of claim and then filed a defence in
which the defendant also counterclaims against the plaintiff for:<o:p></o:p><ol style="margin-top:0in" start="1" type="a">
 <li class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; border: none;">The sum of GH33, 330.45 due and owing
 the defendant by the plaintiff under the facility.<o:p></o:p></li>
 <li class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; border: none;">Interest on the aforementioned sum from
 10th September, 2013 to date of final judgment.<o:p></o:p></li>
 <li class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; border: none;">Further or in the alternative an order
 for the judicial sale of the property: 5 (five) bedroom single storey
 detached house situate at Bejuahum New Achimota, Accra.<o:p></o:p></li>
 <li class="MsoNormal" style="text-align: justify; border: none;">Cost including
 counsel’s fees.<o:p></o:p></li>
</ol>After the failure of pre-trial settlement the
matter was referred for trial. The parties were therefore ordered to file their
witness statements after which the case came up for hearing. <o:p></o:p>From the pleadings filed by the parties the
court finds that the following facts are not in dispute:<o:p></o:p>That the defendant is a financial institution
registered under the laws of Ghana and engaged in the business of universal
banking. The court also finds that the plaintiff was at all times material to
the suit a customer of the defendant bank.<o:p></o:p>That the plaintiff applied to the defendant
for and was granted a mortgage loan in the sum of ₵530,000,000 now expressed as GH