GHL BANK LTD vs. ROSEMARY DANKYI [2018]DLHC3684

Date	2018-05-24
Suit No.	SUIT NO. MISC/0010/18
Citation No.	[2018]DLHC3684

GEORGE K. KOOMSON JUSTICE OF THE HIGH COURT

NITA STEEL FOR APPLICANT

[2018]DLHC3684
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													<main id="main" class="content" style="min-height: 60rem" >GHL BANK LTD<o:p></o:p>vs.<o:p></o:p>ROSEMARY DANKYI<o:p></o:p>[HIGH COURT (COMMERCIAL
DIVISION), ACCRA]<o:p></o:p>SUIT NO. MISC/0010/18&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 24TH
MAY, 2018<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:31.0pt 31.0pt 1.0pt 31.0pt;mso-border-shadow:yes">

<o:p>&nbsp;</o:p>

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

</div>CORAM:<o:p></o:p>GEORGE K. KOOMSON JUSTICE OF THE HIGH COURT <o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0in 31.0pt 1.0pt 31.0pt">

<o:p>&nbsp;</o:p>

</div>RULING<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0in 31.0pt 1.0pt 31.0pt">

<o:p>&nbsp;</o:p>

</div>This is an application for warrant to take possession of
unnumbered property near ACP Estates, Pokuase near Accra. I have read the
application and the supporting affidavit. I have given consideration to the
oral submission of counsel for the applicant. Thoughtful consideration has been
given to Section 13 of the Home Mortgage Finance Act (Act 770) of 2008. <o:p></o:p><o:p>&nbsp;</o:p>It is noted that the Respondent was given opportunity to settle
the arrears but failed to do so. Respondent also failed to file any affidavit
in this matter. <o:p></o:p>The affidavit evidence filed in this case by the Applicant
especially Exhibit ‘A, B, C, and ‘D’ clearly demonstrate that the Applicant
granted the facility to the Respondent for which the property the subject
matter of this application was used as security. From Exhibit A and H, I am
satisfied that the Respondent is in default. <o:p></o:p>It is my considered opinion that the Applicant has shown to the
satisfaction of this court that the Respondent has failed to honour her
repayment obligation and despite a formal demand on her the Respondent has
failed to settle her indebtedness for which reason the Applicant is entitled to
take possession of the mortgaged property in accordance with Act 770 of 2008. <o:p></o:p><o:p>&nbsp;</o:p>Accordingly, the application is granted. Let the Applicant take
possession of the unnumbered property being and situate at Pokuase near the ACP
Estates with the assistance of the Ghana Police Service, Pokuase. I make no
order as to costs. <o:p></o:p>

<o:p>&nbsp;</o:p></main>