ACCESS BANK GHANA LIMITED vs. MRS. LUCKY AFI ALLOTEY T/A & ANO. [2017]DLHC4250

Date	2017-11-24
Suit No.	SUIT NO. BFS/284/2012
Citation No.	[2017]DLHC4250

SAMUEL K. A. ASIEDU

MR. OSEI TUTU NKWANTABISA FOR THE PLAINTIFF

[2017]DLHC4250
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													<main id="main" class="content" style="min-height: 60rem" ><a name="OLE_LINK1">ACCESS BANK GHANA LIMITED<o:p></o:p></a>vs.<o:p></o:p>MRS. LUCKY AFI ALLOTEY T/A &amp;
ANO.<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. BFS/284/2012&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &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 NOVEMBER, 2017 <o:p></o:p>

</div>COUNSEL:&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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</div>CORAM:
<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>

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

</div>In November 2012, the plaintiff bank
instituted the instant action against the defendants in this matter for:<o:p></o:p><p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
mso-list:l0 level1 lfo1;border:none;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;
mso-border-shadow:yes">(a)&nbsp;&nbsp;
An order for the recovery of Seven Hundred and Ninety-Nine
Thousand, Four Hundred and Twenty-One Ghana Cedis, Fifty-Five Pesewas
(GH¢799,421.55) being the outstanding balance of various banking facilities
advanced by Plaintiff to the 1st Defendant and secured by the 2nd
Defendant.<o:p></o:p><p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
mso-list:l0 level1 lfo1;border:none;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;
mso-border-shadow:yes">(b)&nbsp;&nbsp;
Interest on the said Seven Hundred and Ninety-Nine Thousand,
Four Hundred and Twenty-One Ghana Cedis, Fifty-Five Pesewas (799,421.55) at the
prevailing bank rate from 15th August 2012 up to date of final
payment.<o:p></o:p>(c)&nbsp;&nbsp;&nbsp;
An order for the sale of all that piece or parcel of land,
building thereon known as parcel number 371 Block 10, Section 114 at East
Legon, Accra the subject as an equitable mortgage executed in favour of the
Plaintiff by 2nd Defendant.<o:p></o:p>The 1st defendant entered
appearance to the writ and filed her statement of defence. There is however no
indication of the filing of an appearance or statement of defence by the 2nd
defendant upon whom the writ was served by substituted service.<o:p></o:p>The 1st defendant, in her
statement of defence raised a counterclaim for “an order of accounts detailing
monies loaned out by the plaintiff to the 1st defendant, interest
component and repayments made by the 1st defendant”. <o:p></o:p>As a result, the plaintiff filed a motion for
an order for account which was granted by the court on the 13th day
of March 2013. The parties to the suit were directed by the court to file
relevant documents before a referee in order that accounts may be gone into.
However, despite the 1st defendant’s knowledge of this order, the 1st
defendant refused to submit her documents to the referee but rather took to
indulgence in frustrating strategies just to ensure that the case is never
heard. For instance on the 21st day of January 2015, the 1st
defendant unsuccessfully filed a motion praying for an order to dismiss the suit
pending before the court. Eventually, the court made an order for the referee
to go ahead and determine the accounts with the documents which have been made
available to him by the plaintiff in view of the apparent refusal of the 1st
defendant to comply with the court’s order to submit her documents for accounts
to be taken.<o:p></o:p>Thereafter, the parties were ordered by the
court to file their witness statement in order for the trial to proceed. This
was after the referee had brought the accounts to the court. Despite the
service of the order on the 1st defendant through her lawyer,
neither the lawyer nor the 1st defendant ever appeared in court and
for the numerous times that the case was adjourned and hearing notices served
on the 1st defendant through her lawyer, t</main>