AMA TABUAH vs. BARCLAYS BANK GHANA LIMITED [2018]DLHC3717

Date	2018-05-03
Suit No.	SUIT NO.BFS/201/15
Citation No.	[2018]DLHC3717

ANGELINA MENSAH-HOMIAH (MRS.) JUSTICE OF THE HIGH COUT

IBRAHIM ANYARS BAWA FOR PLAINTIFF.

STEPHEN KOOMSON FOR FREDERICK OWUSU-ASARE FOR DEFENDANT.

[2018]DLHC3717
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													<main id="main" class="content" style="min-height: 60rem" ><a name="OLE_LINK1">AMA
TABUAH<o:p></o:p></a>vs.<o:p></o:p>BARCLAYS BANK GHANA LIMITED<o:p></o:p>&nbsp;[HIGH COURT (COMMERCIAL DIVISION), KUMASI]<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/201/15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &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: 3RD
MAY, 2018<o:p></o:p>

</div>COUNSEL:&nbsp;&nbsp; <o:p></o:p>IBRAHIM
ANYARS BAWA FOR PLAINTIFF.<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">

STEPHEN KOOMSON FOR FREDERICK OWUSU-ASARE
FOR DEFENDANT.<o:p></o:p>

ANGELINA MENSAH-HOMIAH (MRS.) JUSTICE OF
THE HIGH COUT<o:p></o:p>

JUDGMENT<o:p></o:p>

</div>This
is a Banker/Customer dispute arising from disagreements in overdrawn balances,
debit advice, transfers and withdrawals with improper narrations on the Plaintiff’s
current account with the Defendant bank. The original suit was filed on
17/02/2015, but on 08/02/2016, the Plaintiff amended her writ of summons and
statement of claim. The reliefs she seeks from this court are:<o:p></o:p>a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The recovery of the sum of GHC 75,000.00
being cash the Plaintiff allowed to be withdrawn from Defendant’s account
between 20/12/2006 and 17/07/2008 in a manner that fell short of acceptable
banking practice.<o:p></o:p>b.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The recovery of the sum of GHC 55,770.00
being money lost to the Plaintiff’s account between 4/7/2008 and 23/12/2008
which sum the Plaintiff labelled as “Debit Advice” when the Plaintiff had not
sanctioned or authorized any such expenditure on her behalf.<o:p></o:p>c.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The recovery of the sum of GHC 15,700.00
that stood to the Plaintiff’s credit in or about February, 2009 but which sum
the Plaintiff purported to freeze on the ground that the Plaintiff was indebted
to it to the tune of GHC 53,000.00.<o:p></o:p>d.&nbsp;&nbsp;&nbsp;&nbsp;
The recovery of the sum of GHC 754.00 being
a cheque numbered 616082 that Plaintiff accepted for payment out of Plaintiff’s
account on or about 8/4/2008 when the said cheque leaf did not come from Plaintiff’s
cheque book.<o:p></o:p>e.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The recovery of the sum of GHC 29,000.00
being money Plaintiff transferred to accounts number 032/1189903 at different
times between 13/12/06 and 12/01/07 without the knowledge and/or approval of
the Plaintiff.<o:p></o:p>f.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Interest on the sums of money stated in (a)
– (e) supra at the current Bank of Ghana Commercial lending rate.<o:p></o:p>