STANBIC BANK GHANA LTD vs. OSEI YAW ANNING [2017]DLCA5342

Date	2017-05-24
Suit No.	CIVIL APPEAL NO. H1/84/2016
Citation No.	[2017]DLCA5342

AYEBI J.A. (PRESIDING)

TORKORNOO (MRS) J. A.

DOMAKYAAREH (MRS) J. A.

COUNSEL FOR DEFENDANT/APPELLANT -- ISHMAEL BOACHIE

COUNSEL FOR PLAINTIFF/RESPONDENT -- STEPHEN ALEWABA

[2017]DLCA5342
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													<main id="main" class="content" style="min-height: 60rem" >STANBIC BANK GHANA LTD<o:p></o:p>(DEFENDANT/
APPELLANT)<o:p></o:p>vs.<o:p></o:p>OSEI YAW ANNING<o:p></o:p>(PLAINTIFF/
RESPONDENT)<o:p></o:p>[COURT
OF APPEAL, KUMASI]<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">

<span style="font-size:10.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-fareast-theme-font:minor-fareast;
mso-bidi-font-family:&quot;Times New Roman&quot;">CIVIL APPEAL NO. H1/84/2016<span style="font-size:10.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-fareast-theme-font:minor-fareast;
mso-bidi-font-family:&quot;Times New Roman&quot;">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &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:
24TH MAY, 2017<o:p></o:p>

</div>COUNSEL:<o:p></o:p>COUNSEL
FOR DEFENDANT/APPELLANT -- ISHMAEL BOACHIE <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">

COUNSEL
FOR PLAINTIFF/RESPONDENT -- STEPHEN ALEWABA <o:p></o:p>

</div><span style="font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:
&quot;Times New Roman&quot;">CORAM: <o:p></o:p><span style="font-family:
&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-fareast-theme-font:
minor-fareast;mso-bidi-font-family:&quot;Times New Roman&quot;">AYEBI J.A. (PRESIDING), TORKORNOO
(MRS) J. A., <span style="font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:
&quot;Times New Roman&quot;">DOMAKYAAREH (MRS) J. A.<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;
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<p class="MsoNoSpacing" align="center" style="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><span style="font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-fareast-theme-font:minor-fareast;
mso-bidi-font-family:&quot;Times New Roman&quot;">TORKORNOO (MRS), J.A.<o:p></o:p><o:p>&nbsp;</o:p>The
Plaintiff Respondent herein has been a debtor of the Defendant Appellant bank
since 2006. The Appellant bank sued him in suit number BFS 29/2012 for inter
Alia, recovery of the sum of GH¢316,325.65 as outstanding balance on an
overdraft facility of GH¢250,000 granted to him in 2009; and GH¢336,186.55 as
balance on a loan facility of GH¢150,000 also granted to him in 2009. Judgment
was entered against him on 20th June 2012 after a trial by Justice
Mensah- Homiah. The judgment in that suit can be found from pages 60 to 75 of
the Record of Appeal (ROA). <o:p></o:p><o:p>&nbsp;</o:p>On
16th December 2013, the Respondent commenced an action with suit
number RPC/84/2014 to attack the judgment in suit number BFS/29/12. His contention
was that the judgment was obtained by fraud and therefore ought to be set aside.
His claims were for: <o:p></o:p><span style="font-size:12.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-fareast-theme-font:minor-fareast;
mso-bidi-font-family:&quot;Times New Roman&quot;;mso-ansi-language:EN-US"><o:p>&nbsp;</o:p><span 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;;
mso-ansi-language:EN-US">a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <span style="font-size:12.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-fareast-theme-font:minor-fareast;
mso-bidi-font-family:&quot;Times New Roman&quot;;mso-ansi-language:EN-US">A declaration
that the judgment obtained and or delivered in favor of the Defendant herein in
suit titled Stanbic Bank Ghana Limited vrs
Osei Yaw Anning was fraudulently and maliciously procured particularly as
the Plaintiff herein never obtained any overdraft facility of GH¢<span style="font-size:12.0pt;
line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:
&quot;Times New Roman&quot;;mso-ansi-language:EN-US">250,000.00 on 21st
August, 2009 and a loan of GH¢<span style="font-size:12.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-fareast-theme-font:minor-fareast;
mso-bidi-font-family:&quot;Times New Roman&quot;;mso-ansi-language:EN-US">150,000.00 on
the same 21st August, 2009 as was contended by the Defendant herein
during the trial in suit No. BFS 29/2012.<o:p></o:p><span 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;;
mso-ansi-language:EN-US">b.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <span style="font-size:12.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-fareast-theme-font:minor-fareast;
mso-bidi-font-family:&quot;Times New Roman&quot;;mso-ansi-language:EN-US">An order
setting aside the fraudulent judgment obtained by the Defendant herein at the
High Court (Commercial Division), Kumasi in suit No. BFS29/2012 dated the 20th day of June, 2013
aforesaid and ALL consequential and inci</main>