E –WORLD SOLUTIONS LTD, COLONEL ELVIS KWESI MENDS, DESMOND DICKSON AND GABRIEL DAIS vs. MERBAN ASSET RECOVERY TRUST [2017]DLCA4640

E –WORLD SOLUTIONS LTD, COLONEL ELVIS KWESI MENDS, DESMOND DICKSON AND GABRIEL D... [2017]DLCA4640

Date	2017-02-23
Suit No.	CIVIL APPEAL NO.H1/132/2015
Citation No.	[2017]DLCA4640

E. K. KANYOKE J.A. (PRESIDING)

K. A. ACQUAYE J.A.

S. DZAMEFE J.A.

MR. PETER ZWENNES FOR THE 2ND DEFENDANT/APPELLANT

MR. ROBERT PAPPOE PLAINTIFF/RESPONDENT

[2017]DLCA4640
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													<main id="main" class="content" style="min-height: 60rem" >E –WORLD
SOLUTIONS LTD, COLONEL ELVIS KWESI MENDS, DESMOND DICKSON AND GABRIEL DAIS<o:p></o:p>(2ND
DEFENDANT/APPELLANT)<o:p></o:p>vs.<o:p></o:p>MERBAN ASSET RECOVERY TRUST<o:p></o:p>(PLAINTIFF/RESPONDENT)<o:p></o:p><o:p>&nbsp;</o:p>[COURT
OF APPEAL, 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">

CIVIL APPEAL NO.H1/132/2015&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &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: 23RD
FEBRUARY, 2017<o:p></o:p>

</div>COUNSEL:<o:p></o:p>MR.
PETER ZWENNES FOR THE 2ND DEFENDANT/APPELLANT<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">

MR.
ROBERT PAPPOE PLAINTIFF/RESPONDENT<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:0in 0in 1.0pt 0in">

E.
K. KANYOKE J.A. (PRESIDING), K. A. ACQUAYE J.A., S. DZAMEFE J.A.<o:p></o:p>

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

</div>ACQUAYE,
J. A.<o:p></o:p>This appeal is against the
refusal of a High Court in Accra to grant an application to join one Fred
Harding Amoo to the suit as a defendant.<o:p></o:p><o:p>&nbsp;</o:p>The matters preceeding the
application were that the plaintiff/respondent issued a writ of summons against
four defendants claiming the recovery of the sum of Gh¢171,313.63 together with
interest being overdraft facility granted the 1st defendant and guaranteed
by the 2nd, 3rd and 4th defendants.&nbsp; The plaintiff/respondent also claimed an
order for the judicial sale of 2nd defendant/appellant’s mortgaged property
as security for the facility.<o:p></o:p><o:p>&nbsp;</o:p>In his defence the 2nd
defendant/appellant denied the claims of the plaintiff and averred that one
Fred Harding Amoo, then an employee of the Credit Department of Merchant Bank,
the plaintiff’s principal, set up the 1st defendant company as a
conduit for collusion between the bank and himself to defraud the 2nd
defendant.&nbsp; According to the 2nd
defendant it was Fred Harding Amoo who convinced him of the viability of credit
card sales, applied for a loan from the bank which he approved and paid into
the 1st defendant’s account which the said Fred Harding Amoo
operated for his own benefit at a time he the 2nd defendant was away
from the country on peace keeping duties.&nbsp;
The 2nd defendant also pleaded that Fred Harding Amoo
collected his indenture to facilitate the processing of a loan of Gh¢15,000.00
but fraudulently used it to secure a loan of Gh¢80,000.00 in the name of the 1st
defendant.&nbsp; The 2nd defendant
averred that as a result he reported the fraud perpetrated by the said Fred
Harding Amoo to the police who charged and arraigned him before an Accra
Circuit Court for stealing, fraudulent breach of trust and defrauding by false pretenses.&nbsp; The 2nd defendant averred that it
is Fred Harding Amoo who is responsible for the plaintiff’s claims and that he
“will apply to join the said Fred Harding
Amoo as a necessary party not only as defendant to the action but also as a
Third Party liable in the event to satisfy any judgment that may be entered in
plaintiff’s favour against the 2nd defendant”.&nbsp; The 2nd defendant counterclaimed
against the plaintiff for a declaration that the deed of mortgage of his
property was fraudulent, unauthorized and as such unenforceable, an order
setting aside the said mortgage and damages for fraud. <o:p></o:p><o:p>&nbsp;</o:p>Based on the above the 2nd
defendant applied under Order 4 Rule 5(2)(b) of the High Court (Civil
procedure) Rules, 2004 C.I. 47 for an order to join Fred Harding Amoo as a
defendant to the action.&nbsp; After hearing
the application the trial judge dismissed the application for joinder relying
on the ruling in Apenteng vrs Bank of West Africa &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1961)1 GLR 81that the court must
look at the plaintiffs writ of summons and his pleadings and if the plaintiff
makes no claim directly or indirectly against the party sought to be joined or
if the claim
could succeed without the party sought to be joined being made a party, the
application must be refused.<o:p></o:p>