DR. DANIEL YEBO vs. CFC SAVINGS & LOANS LTD. & 2 OTHERS [2017]DLHC9085

Date	2017-12-05
Suit No.	SUIT NO. CM/RPC/0594/17
Citation No.	[2017]DLHC9085

HER LADYSHIP JUSTICE JENNIFER ABENA DADZIE

M.K. TWUMASI NAYYAR ESQ. (H/B FOR VICTOR YANKSON ESQ.) OF SIMPSON & CO. LEGAL PRACTITIONERS GRACE CHAMBERS WINNEBA COUNSEL FOR PLAINTIFF/APPLICANT

NO LEGAL REPRESENTATION FOR 1ST AND 2ND DEFENDANTS/RESPONDENTS ERIC ANSAH ESQ. COUNSEL FOR 3RD DEFENDANT/RESPONDENT

[2017]DLHC9085
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													<main id="main" class="content" style="min-height: 60rem" >DR.
DANIEL YEBO<o:p></o:p>(PLAINTIFF/APPLICANT)<o:p></o:p>vs.<o:p></o:p>CFC
SAVINGS &amp; LOANS LTD. &amp; 2 OTHERS<o:p></o:p><o:p>&nbsp;</o:p>(DEFENDANTS/RESPONDENTS)<o:p></o:p>[HIGH COURT, 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">

<p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt;
text-align:center;line-height:normal;border:none;mso-border-bottom-alt:solid windowtext 1.5pt;
padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm">SUIT NO.
CM/RPC/0594/17&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &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:
5TH DECEMBER, 2017<o:p></o:p>

</div>COUNSEL: <o:p></o:p>M.K. TWUMASI NAYYAR, ESQ., (H/B FOR VICTOR
YANKSON, ESQ.) OF SIMPSON &amp; CO. LEGAL PRACTITIONERS, GRACE CHAMBERS,
WINNEBA, COUNSEL FOR PLAINTIFF/APPLICANT<o:p></o:p>NO LEGAL REPRESENTATION FOR 1ST
AND 2ND DEFENDANTS/RESPONDENTS<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">

<p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;text-align:
justify;line-height:normal;tab-stops:298.8pt;border:none;mso-border-bottom-alt:
solid windowtext 1.5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm">ERIC ANSAH, ESQ.,
COUNSEL FOR 3RD DEFENDANT/RESPONDENT<o:p></o:p>

</div>CORAM:<o:p></o:p>HER LADYSHIP JUSTICE JENNIFER ABENA DADZIE<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 0cm 1.0pt 0cm">

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

</div><o:p>&nbsp;</o:p>In
this application, the Plaintiff/Applicant, hereinafter, referred to as the
“Applicant” is praying the Court to grant him an interlocutory injunction
restraining the Defendants/Respondents, hereinafter, referred to as
“Respondents” from making any further deductions from his salary and bank
account pending the final determination of the suit.<o:p></o:p>The
Applicant contends that on January 5, 2015, he entered into a loan agreement
with the 1st Respondent, by the terms of which the 1st
Respondent advanced to him a loan of Fifteen Thousand Ghana Cedis
(GH¢15,000.00) to be repaid on monthly instalments of sixty (60) months at a
rate of interest that was not stated in the agreement.&nbsp; By a signed authority note, the Applicant
authorised the 2nd Respondent to make monthly deductions of the
amounts due from his salary for the benefit of the 1st
Respondent.&nbsp; The Applicant further gave a
direct debit mandate to the 3rd Respondent to make payments from his
bank account with the 3rd Respondent in favour of the 1st
Respondent should the deductions by the 2nd Respondent not be
sufficient to cover the monthly repayments.<o:p></o:p>Applicant
avers further that on July 17, 2017, he repaid by cheque an amount of Three
Thousand Seven Hundred and Fifty-five Ghana Cedis, Ninety Pesewas (GH¢3,755.90)
to the 1st Respondent in complete redemption of the loan using the
Ghana Commercial Bank interest rate reference guide as directed by Bank of
Ghana.&nbsp; He then notified the 2nd
Respondent and the 3rd Respondent of this redemption and accompanied
the notice with a notice of intension to sue and a demand for
overpayments.&nbsp; It is the contention of
the Applicant that in spite of the notices to 2nd and 3rd
Respondents, they continue to make deductions from his salary and account
respectively on behalf of the 1st Respondent.<o:p></o:p>Therefore, on September 9, 2017, the
Applicant issued a writ of summons and statement of claim against the
Respondents seeking the following reliefs:<o:p></o:p>“1.&nbsp;&nbsp; Declaration that the loan granted on the 5th
Jan-2015 to the Applicant was redeemed on the 17th day of July 2017.<o:p></o:p><p class="MsoListParagraphCxSpFirst" style="margin-top:0cm;margin-right:36.0pt;
margin-bottom:8.0pt;margin-left:58.5pt;mso-add-space:auto;text-align:justify;
text-indent:-22.5pt;line-height:150%;mso-list:l0 level1 lfo1">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Refund
of all deductions made after 17th Jul-2017.<o:p></o:p><p class="MsoListParagraphCxSpMiddle" style="margin-top:0cm;margin-right:36.0pt;
margin-bottom:8.0pt;margin-left:58.5pt;mso-add-space:auto;text-align:justify;
text-indent:-22.5pt;line-height:150%;mso-list:l0 level1 lfo1">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Perpetual
injunction restraining Defendants from making any further deductions from Applicant’s
salary and bank account.<o:p></o:p><p class="MsoListParagraphCxSpLast" style="margin-top:0cm;margin-right:36.0pt;
margin-bottom:8.0pt;margin-left:58.5pt;mso-add-space:auto;text-align:justify;
text-indent:-22.5pt;line-height:150%;mso-list:l0 level1 lfo1">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
General
damages and Cost incidental to the suit.”<o:p></</main>