S.G. GHANA LTD. (PLAINTIFF) vs. FOUNTAIN OF YOUTH INT. SCHOOL AND PATIENCE NANSI SENCHEREY (DEFENDANTS) [2018]DLHC7345

S.G. GHANA LTD. (PLAINTIFF) vs. FOUNTAIN OF YOUTH INT. SCHOOL AND PATIENCE NANSI... [2018]DLHC7345

Date	2018-10-10
Suit No.	SUIT NO: CM/0343/16
Citation No.	[2018]DLHC7345

HIS LORDSHIP SAMUEL K. A. ASIEDU J.

A.K.BANNERMAN WILLIAMS ESQ. FOR THE PLAINTIFF/APPLICANT.

E. AGBAMAVA ESQ. FOR THE DEFENDANTS.

[2018]DLHC7345
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													<main id="main" class="content" style="min-height: 60rem" >S.G. GHANA LTD.<o:p></o:p>(PLAINTIFF)<o:p></o:p>vs.<o:p></o:p>FOUNTAIN OF YOUTH INT.
SCHOOL AND PATIENCE NANSI SENCHEREY<o:p></o:p>(DEFENDANTS)<o:p></o:p>[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: CM/0343/16&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &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: 10TH
OCTOBER, 2018<o:p></o:p>

</div>COUNSEL: <o:p></o:p>A.K.BANNERMAN WILLIAMS
ESQ., FOR THE PLAINTIFF/APPLICANT.<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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E.
AGBAMAVA ESQ. FOR THE DEFENDANTS.<o:p></o:p>

</div>CORAM:<o:p></o:p>HIS LORDSHIP SAMUEL K. A.
ASIEDU, J.<o:p></o:p><div style="mso-element:para-border-div;border-top:solid windowtext 1.5pt;
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<p class="MsoNormal" align="center" style="margin-bottom:0in;margin-bottom:.0001pt;
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</div>The
Motion before the Court seeks an “order striking out the Plaintiff’s Writ of
Summons on grounds of non-compliance with the mandatory requirements of a
money-lenders action per Order 59 of CI 47”<o:p></o:p>The
Money Lenders Act, 1941, CAP 176 defines ‘money-lender’ in section 29(b) to
exclude “a body corporate, incorporated or empowered by special Act to lend
Money in accordance with that Act”.<o:p></o:p>Paragraph
1 of the statement of claim states that the “Plaintiff is a Bank duly
registered under the laws of the Republic of Ghana”. This averment by the
Plaintiff has been admitted by the Defendant in paragraph 2 of their statement
of defence.<o:p></o:p>Hence,
the business of the Plaintiff is not governed by the Money Lenders Act, 1941,
CAP 176 but by the Specialized Deposit-Taking Institutions Act, 2016, Act 930. Section
1 (1) states that: <o:p></o:p>1.&nbsp;&nbsp;&nbsp;Application of this Act<o:p></o:p>(1)&nbsp;&nbsp;This Act applies to-<o:p></o:p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; banks;<o:p></o:p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; specialised
deposit-taking institutions;<o:p></o:p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; financial
holding companies; and<o:p></o:p>(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; affiliates
of banks, specialised deposit-taking institutions and financial holding
companies.<o:p></o:p>It
means therefore that Order 59 rule 2 which requires certain endorsement to be
made on writ issued by money lenders does not apply to the Plaintiff herein.<o:p></o:p>The
Court has examined the writ of summons issued by the Plaintiff and the Court
has formed the opinion that the writ does not infringe the provisions of Order
59 rule 3 and even if it does, that per se cannot nullify or render the writ
invalid in view of the provisions in Order 81 rule 1 (1) of the High Court
(Civil Procedure) Rules, 2004 CI 47.<o:p></o:p>Moreover,
the trial has commenced and the court is ongoing and the concerns raised do not
go to the jurisdiction of the court to hear the matter. &nbsp;<o:p></o:p>Further,
the Defendant has taken several steps after the irregularity complained of had
come to their notice such that it is too late in the day to complain. See Order
81 rule 2 of CI 47.<o:p></o:p>The
court finds no merit in the present application which is therefore dismissed.<o:p></o:p>Cost
of GH¢1,000.00 to the Plaintiff against the Defendants.<o:p></o:p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <o:p></o:p>

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