DAVID ENTI (PLAINTIFF) vs. BARCLAYS BANK (DEFENDANT) [2016]DLHC7669

Date	2016-03-16
Suit No.	SUIT NO.BC 580/2011
Citation No.	[2016]DLHC7669

HER LADYSHIP JUSTICE AFIA SERWAH ASARE-BOTWE (MRS.)

MR. CLEMENT SAMBO FOR MR. ALEXANDER ADJEI FOR THE PLAINTIFF

MR. JAMES OWURA-MENSAH FOR THE DEFENDANT

[2016]DLHC7669
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													<main id="main" class="content" style="min-height: 60rem" >DAVID ENTI<o:p></o:p>(PLAINTIFF)<o:p></o:p><span lang="EN-US" style="font-size:12.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,serif;
mso-fareast-font-family:&quot;Book Antiqua&quot;;mso-bidi-font-family:&quot;Book Antiqua&quot;;
color:#00B0F0">vs.<o:p></o:p>BARCLAYS BANK<o:p></o:p>(DEFENDANT)<o:p></o:p>[HIGH
COURT (FINANCIAL AND ECONOMIC DIVISION 2), ACCRA]<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0cm 0cm 1.0pt 0cm">

SUIT
NO.BC 580/2011 &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; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &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: 16TH MARCH,
2016<o:p></o:p>

</div>COUNSEL:<o:p></o:p>MR.
CLEMENT SAMBO FOR MR. ALEXANDER ADJEI FOR THE PLAINTIFF <o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0cm 0cm 1.0pt 0cm">

MR.
JAMES OWURA-MENSAH FOR THE DEFENDANT <o:p></o:p>

</div>CORAM:<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0cm 0cm 1.0pt 0cm">

HER
LADYSHIP JUSTICE AFIA SERWAH ASARE-BOTWE (MRS.) <o:p></o:p>

</div><o:p>&nbsp;</o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0cm 0cm 1.0pt 0cm">

</div>On 29th September, 2011, the Plaintiff issued a writ of
summons and statement of claim which was subsequently amended, claiming the
following reliefs; <o:p></o:p><p class="MsoNormal" style="margin-top:14.6pt;margin-right:0cm;margin-bottom:
0cm;margin-left:13.65pt;margin-bottom:.0001pt;text-align:justify;mso-pagination:
none;border:none;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-border-shadow:
yes">a. An order directed against the defendant
for the recovery of the original indenture dated 21st February, 1978
and the Yellow Card plus business registration documents <o:p></o:p><p class="MsoNormal" style="margin-top:14.6pt;margin-right:0cm;margin-bottom:
0cm;margin-left:13.65pt;margin-bottom:.0001pt;text-align:justify;mso-pagination:
none;border:none;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-border-shadow:
yes">b. Four Hundred Thousand Ghana
cedis(Gh¢400,000) general damages for loss of business <o:p></o:p><p class="MsoNormal" style="margin-top:14.6pt;margin-right:0cm;margin-bottom:
0cm;margin-left:13.65pt;margin-bottom:.0001pt;text-align:justify;mso-pagination:
none;border:none;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-border-shadow:
yes">c. Two hundred thousand Ghana
cedis(Gh¢200,000) general damages for the risk of property loss in case of
fraud by a third party using Plaintiff’s documents <o:p></o:p><p class="MsoNormal" style="margin-top:14.6pt;margin-right:0cm;margin-bottom:
0cm;margin-left:13.65pt;margin-bottom:.0001pt;text-align:justify;mso-pagination:
none;border:none;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-border-shadow:
yes">d. Interest on the said amount till date of
final payment. <o:p></o:p><p class="MsoNormal" style="margin-top:14.6pt;margin-right:0cm;margin-bottom:
0cm;margin-left:13.65pt;margin-bottom:.0001pt;text-align:justify;mso-pagination:
none;border:none;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-border-shadow:
yes">e. Cost <o:p></o:p><o:p>&nbsp;</o:p>This case is borne out of a very simple set of facts. Both parties
agree that the Plaintiff’s Company, Forestry Enterprises Limited, formally
Forestry Enterprise, was a customer of the Defendant Bank. It is also
uncontroverted that the Former Managing Director of the Plaintiff’s Company,
that is his father, Albert Enti, contracted a loan from the Defendant bank
which was subsequently discharged. It is also not in issue that the loan was
secured with property with Land Registry No. A 2891/1978. <o:p></o:p>The parties part ways on the issue of whether
or not it was the original document on the property which was deposited with
the defendant Bank or a photocopy. <o:p></o:p>It is the case of the Plaintiff that when the
loan was being contracted by his late father, it was first required that he
surrender original copies of documents of business registration documents, for
a current account to be opened for him. He also says that when his late father
obtained the mortgage facility which has given rise to this action, same was
secured with <o:p></o:p><p class="MsoNormal" style="margin-top:14.6pt;margin-right:0cm;margin-bottom:
0cm;margin-left:18.0pt;margin-bottom:.0001pt;text-align:justify;mso-pagination:
none;border:none;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-border-shadow:
yes">a) An original indenture dated 21st February,
1978 between C.F.C. Company Limited and Albert Addai Enti with Land Registry
No. A 2892/1978, and <o:p></o:p><p class="MsoNormal" style="margin-top:14.6pt;margin-right:0cm;margin-bottom:
0cm;margin-left:18.0pt;margin-bottom:.0001pt;text-align:justify;mso-pagination:
none;border:none;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-border-shadow:
yes">b) Land Registry Yellow Card. <o:p></o:p>It is the case of the Plaintiff that once the
mortgage was discharged, the defendants unilaterally closed the account and
when he wrote to them for the release of the documents u</main>