SHAIBU AMADU vs. HFC BANK GHANA LIMITED [2018]DLHC5359

Date	2018-05-11
Suit No.	SUIT NO.AP 208/2015
Citation No.	[2018]DLHC5359

JUSTICE KWEKU T. ACKAAH- BOAFO

VICTOR KWADJOGA ADAWUDU FOR THE PLAINTIFF

DOE TSIKATA WITH MATILDA IDUN DONKOR THE DEFENDANT

[2018]DLHC5359
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													<main id="main" class="content" style="min-height: 60rem" >SHAIBU AMADU<o:p></o:p>(PLAINTIFF)<o:p></o:p>vs.<o:p></o:p>HFC BANK GHANA LIMITED<o:p></o:p>(DEFENDANT)<o:p></o:p>[HIGH COURT (GENERAL JURISDICTION 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.AP 208/2015&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &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: 11TH
MAY, 2018<o:p></o:p>

</div>COUNSEL:<o:p></o:p>VICTOR KWADJOGA ADAWUDU FOR THE PLAINTIFF <o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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DOE TSIKATA WITH MATILDA IDUN DONKOR THE
DEFENDANT <o:p></o:p>

</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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JUSTICE
KWEKU T. ACKAAH- BOAFO<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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JUDGMENT<o:p></o:p>

</div>i.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Introduction:<o:p></o:p>[1]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The events
that give rise to this litigation have their origin in a
routine visit the Plaintiff made to the Abossey Okai Branch of the Defendant,
HFC Bank Ghana Limited on July 14, 2015 to make a deposit into his account.
Little did the Plaintiff know that the visit will set in motion the allegation
of possession of counterfeit currency, arrest by the Bureau of National
Investigation (BNI) and a lawsuit to claim what he believes is his legitimate due.<o:p></o:p><o:p>&nbsp;</o:p>[2]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Plaintiff opened
an account with the Defendant Bank’s Abbossey Okai branch and on 16 June2015
deposited a total amount of €195,000.00 in two tranches into the
account. He later made some withdrawals. He made another deposit on July 14,
2015 in an amount of €276,500. According to him the amount was counted and a
receipt was issued and he later received an alert on his telephone to confirm
the deposit. It is his case that following a telephone call made to him by the
Branch Manager he went to the branch ostensibly to negotiate the rate of Euros
to be transferred into his account but to his shock and consternation he was
arrested by officials of the BNI for depositing counterfeit currency. The
Defendant has subsequently frozen his account and refused to hand over the
deposits made. He has therefore instituted the instant action for order
directed at the Defendant to pay back to him the deposits made and also damages
for breach of contract and costs.<o:p></o:p><o:p>&nbsp;</o:p>ii.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Action<o:p></o:p>[3]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Per an Amended Writ of Summons sealed
in this registry on October 14, 2015 the Plaintiff claimed against the
Defendant the following reliefs:<o:p></o:p><o:p>&nbsp;</o:p><p class="MsoListParagraphCxSpFirst" style="margin-top:0in;margin-right:0in;
margin-bottom:0in;margin-left:.75in;margin-bottom:.0001pt;mso-add-space:auto;
text-align:justify;text-indent:-.5in;mso-list:l10 level1 lfo3"><span lang="EN-CA" 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;">i.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;