JOHN ARMSTRONG & ANOR (PLAINTIFFS) vs. 1ST NATIONAL SAVINGS & LOANS & ANOR (DEFENDANTS) [2016]DLHC7329

JOHN ARMSTRONG & ANOR (PLAINTIFFS) vs. 1ST NATIONAL SAVINGS & LOANS & ANOR (DEFE... [2016]DLHC7329

Date	2016-02-25
Suit No.	SUIT NO. BFS/276/12
Citation No.	[2016]DLHC7329

HIS LORDSHIP GEORGE K. KOOMSON (J).

JOE ABOAGYE DEBRAH FOR PLAINTIFFS

DENNIS OWUSU OFOSU APEA FOR DEFENDANT & CO-DEFENDANT

[2016]DLHC7329
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													<main id="main" class="content" style="min-height: 60rem" >JOHN
ARMSTRONG &amp; ANOR<o:p></o:p>(PLAINTIFFS)<o:p></o:p>vs.<o:p></o:p>1ST
NATIONAL SAVINGS &amp; LOANS &amp; ANOR<o:p></o:p>(DEFENDANTS)<o:p></o:p>[HIGH COURT (COMMERCIAL
DIVISION), ACCRA]<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0in 0in 1.0pt 0in">

SUIT
NO. BFS/276/12&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &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: 25TH FEBRUARY, 2016<o:p></o:p>

</div>COUNSEL: <o:p></o:p>JOE
ABOAGYE DEBRAH FOR PLAINTIFFS<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0in 0in 1.0pt 0in">

DENNIS
OWUSU OFOSU APEA FOR DEFENDANT &amp; CO-DEFENDANT<o:p></o:p>

</div>CORAM:<o:p></o:p>HIS
LORDSHIP GEORGE K. KOOMSON (J).<o:p></o:p><div style="mso-element:para-border-div;border-top:solid windowtext 1.5pt;
border-left:none;border-bottom:solid windowtext 1.5pt;border-right:none;
padding:1.0pt 0in 1.0pt 0in">

<p class="MsoNormal" align="center" style="margin-bottom:0in;margin-bottom:.0001pt;
text-align:center;line-height:115%;border:none;mso-border-top-alt:solid windowtext 1.5pt;
mso-border-bottom-alt:solid windowtext 1.5pt;padding:0in;mso-padding-alt:1.0pt 0in 1.0pt 0in">JUDGMENT<o:p></o:p>

</div>The desire to honour the dead in our society by the
attendance of funerals of people we know has been with us since time
immemorial.&nbsp; It is difficult for one to
envisage that the magnanimity of making a donation at one such funeral can
result in an embarrassing law suit.&nbsp; The
present action, to me is a needles litigation, though it raises issues of
banking.&nbsp; During the funeral of Nana
Kweigya Ankomah III of Elmina, Dr. Papa Kwesi Nduom made a funeral donation to
the family of the deceased.&nbsp; The donation
was not cash but cheque.<o:p></o:p>The Plaintiffs alleged that they were detailed by
the family to cash the cheque.&nbsp; Upon
presentation of the cheque at the office of the Defendant’s branch at the Cape
Coast (Main) Branch, they were instructed to open an account as the face value
was high.&nbsp; Having opened the account, the
Plaintiffs returned some days after to withdraw the money, only to be told that
their accounts has been credited with GH¢500.00 on the instructions of Dr. Papa
Kwesi Nduom.&nbsp; They demanded answers but
they were referred to Dr. Papa Kwesi Nduom.&nbsp;
The issue surrounding the cheque could not be resolved.&nbsp; The Plaintiffs therefore issued the present
action asking for the following reliefs:-<o:p></o:p><span lang="EN-GB" style="font-size:12.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;
mso-fareast-font-family:&quot;Book Antiqua&quot;;mso-bidi-font-family:&quot;Book Antiqua&quot;">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
A
declaration that Defendant’s cheque numbered 025196 drawn by Groupe Nduom to
the Plaintiff was not defective on its face and was duly accepted as such for lodgement.<o:p></o:p><o:p>&nbsp;</o:p><span lang="EN-GB" style="font-size:12.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;
mso-fareast-font-family:&quot;Book Antiqua&quot;;mso-bidi-font-family:&quot;Book Antiqua&quot;">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
An
order for the Defendants to credit the Plaintiff’s account numbered
0110200023200 with the amount of GH¢500,000.00 being the value of the cheque
duly lodged.<o:p></o:p><o:p>&nbsp;</o:p><span lang="EN-GB" style="font-size:12.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;
mso-fareast-font-family:&quot;Book Antiqua&quot;;mso-bidi-font-family:&quot;Book Antiqua&quot;">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
A
declaration that the refusal of the Defendant to credit the accounts of the Plaintiffs
with the full value of cheque numbered 025196 and the non-return of the said
cheque to the Plaintiffs was a breach of relevant Ghanaian banking laws and
regulations.<o:p></o:p><o:p>&nbsp;</o:p><span lang="EN-GB" style="font-size:12.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;
mso-fareast-font-family:&quot;Book Antiqua&quot;;mso-bidi-font-family:&quot;Book Antiqua&quot;">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
An
order for disclosure of the identity of the person who made lodgement of GH¢500.00
into account number 0110200023200.<o:p></o:p><o:p>&nbsp;</o:p><span lang="EN-GB" style="font-size:12.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;
mso-fareast-font-family:&quot;Book Antiqua&quot;;mso-bidi-font-family:&quot;Book Antiqua&quot;">5.