[2019]DLHC10558 Login to Read Full Case <span style="font-size: 18px !important;"><p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center"><b><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-bidi-font-family:"Times New Roman";color:#00B0F0">SALEMOK GHANA LIMITED<o:p></o:p></span></b></p><p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center"><i><span style="font-size:10.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-bidi-font-family:"Times New Roman"">(PLAINTIFF)<o:p></o:p></span></i></p><p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center"><b><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-bidi-font-family:"Times New Roman";color:#00B0F0">vs.<o:p></o:p></span></b></p><p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center"><b><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-bidi-font-family:"Times New Roman";color:#00B0F0">ECOBANK GHANA LIMITED<o:p></o:p></span></b></p><p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center"><i><span style="font-size:10.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-bidi-font-family:"Times New Roman"">(DEFENDANT)<o:p></o:p></span></i></p><p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center"><span style="font-size:10.0pt;line-height:115%;font-family: "Book Antiqua",serif;mso-bidi-font-family:"Times New Roman"">[HIGH COURT, ACCRA]<o:p></o:p></span></p><div style="border-top: none; border-right: none; border-left: none; border-image: initial; border-bottom-width: 1.5pt; border-bottom-color: windowtext; padding: 0cm 0cm 1pt;"> <p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;border:none;mso-border-bottom-alt:solid windowtext 1.5pt; padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm"><span style="font-size:10.0pt; line-height:115%;font-family:"Book Antiqua",serif;mso-bidi-font-family:"Times New Roman"">SUIT NO: AB/88/2015 DATE: </span><span lang="EN-GB" style="font-size:10.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-fareast-font-family:Calibri;mso-bidi-font-family:"Times New Roman"; mso-ansi-language:EN-GB">26<sup>TH</sup> JUNE, 2019<o:p></o:p></span></p> </div><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt"><b><span style="font-size:12.0pt;line-height: 115%;font-family:"Book Antiqua",serif;mso-bidi-font-family:"Times New Roman"">COUNSEL: <o:p></o:p></span></b></p><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt"><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-bidi-font-family:"Times New Roman"">MR. LAMTIIG APANGA THE PLAINTIFF - PRESENT<o:p></o:p></span></p><div style="border-top: none; border-right: none; border-left: none; border-image: initial; border-bottom-width: 1.5pt; border-bottom-color: windowtext; padding: 0cm 0cm 1pt;"> <p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;border:none; mso-border-bottom-alt:solid windowtext 1.5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm"><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-bidi-font-family:"Times New Roman"">MR. ROBERT PAPPOE FOR THE DEFENDANT- PRESENT<o:p></o:p></span></p> </div><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt"><b><span style="font-size:12.0pt;line-height: 115%;font-family:"Book Antiqua",serif;mso-bidi-font-family:"Times New Roman"">CORAM:<o:p></o:p></span></b></p><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt"><span lang="EN-GB" style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-fareast-font-family:Calibri;mso-bidi-font-family:"Times New Roman"; mso-ansi-language:EN-GB">HIS LORDSHIP JUSTICE KWEKU T. ACKAAH-BOAFO<o:p></o:p></span></p><div style="border-top-width: 1.5pt; border-top-color: windowtext; border-left: none; border-bottom-width: 1.5pt; border-bottom-color: windowtext; border-right: none; padding: 1pt 0cm;"> <p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;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"><b><span style="font-size:12.0pt;line-height: 115%;font-family:"Book Antiqua",serif;mso-bidi-font-family:"Times New Roman"">JUDGMENT<o:p></o:p></span></b></p> </div><p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center"><b><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-bidi-font-family:"Times New Roman""> </span></b></p><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;text-align: justify"><b><span lang="EN-CA" style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman"; mso-ansi-language:EN-CA;mso-fareast-language:EN-CA">i. Introduction</span></b><span lang="EN-CA" style="font-size: 12.0pt;line-height:115%;font-family:"Book Antiqua",serif;mso-fareast-font-family: "Times New Roman";mso-bidi-font-family:"Times New Roman";mso-ansi-language: EN-CA;mso-fareast-language:EN-CA">:<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;text-align: justify"><b><span style="font-size: 12pt; line-height: 115%; font-family: "Book Antiqua", serif;">[1]</span></b><span style="font-size: 12pt; line-height: 115%; font-family: "Book Antiqua", serif;"> The Plaintiff Company, Salemok Ghana Limited ("Salemok"), claims $5,000 United States Dollars and interest against the Defendant for unauthorized transaction that occurred on its account, damages for negligence and costs from the Defendant, Ecobank Ghana Limited (the "Bank"), for unauthorized withdrawals from its dollar account and, for damages for loss suffered as a result <span class="solexhl">of</span> the Bank's negligence in handling Salemok's monies in its account with the Bank.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;text-align: justify"><span style="font-size: 12pt; line-height: 115%; font-family: "Book Antiqua", serif;"> </span></p><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;text-align: justify"><b><span style="font-size: 12pt; line-height: 115%; font-family: "Book Antiqua", serif;">[2]</span></b><span style="font-size: 12pt; line-height: 115%; font-family: "Book Antiqua", serif;"> Salemok's claim relates to an alleged unauthorized transfer <span class="solexhl">of</span> money between December 22, 2014 and about December 24, 2014 totaling $8,000 and related complaint lodged by a letter dated January 7, 2015 to the Bank upon the discovery of the unauthorized transfers.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;text-align: justify"><b><span style="font-size:12.0pt; line-height:115%;font-family:"Book Antiqua",serif;mso-bidi-font-family:"Times New Roman"">[3]</span></b><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-bidi-font-family:"Times New Roman""> The claim of the Plaintiff was met with a statement of defence filed by the Defendant on January 26, 2016 in which the Plaintiff’s claim was vehemently denied. The Defendant contends that the Plaintiff failed to comply with the terms and conditions of the online banking agreement it signed with the Defendant. According to the Defendant the Plaintiff failed to prove that the Defendant made unauthorized wire transfer in the sum of $8,000.00 from the Plaintiff’s account. The Defendant did not file a Counterclaim.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;text-align: justify"><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-bidi-font-family:"Times New Roman""> </span></p><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;text-align: justify"><b><span style="font-size:12.0pt; line-height:115%;font-family:"Book Antiqua",serif;mso-bidi-font-family:"Times New Roman"">ii. Issues for Trial<o:p></o:p></span></b></p><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;text-align: justify"><b><span style="font-size:12.0pt; line-height:115%;font-family:"Book Antiqua",serif;mso-bidi-font-family:"Times New Roman"">[4]</span></b><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-bidi-font-family:"Times New Roman""> At the close of the pleadings the issues contained in the Application for Directions filed by the Plaintiff on February 23, 2016 and adopted by this Court differently constituted for trial were:-<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;text-align: justify"><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-bidi-font-family:"Times New Roman""> </span></p><p class="MsoListParagraphCxSpFirst" style="margin-left:54.0pt;mso-add-space: auto;text-align:justify;text-indent:-18.0pt;mso-list:l1 level1 lfo1"><!--[if !supportLists]--><b><span style="font-size:12.0pt;line-height: 115%;font-family:"Book Antiqua",serif;mso-fareast-font-family:"Book Antiqua"; mso-bidi-font-family:"Book Antiqua"">a)<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: "Times New Roman";"> </span></span></b><!--[endif]--><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-bidi-font-family:"Times New Roman"">Whether or not the Defendant made unauthorized wire transfer in the sum of US$8,000.00 from the Plaintiff Account No. 00521044399855401?<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="margin-left:54.0pt;mso-add-space: auto;text-align:justify;text-indent:-18.0pt;mso-list:l1 level1 lfo1"><!--[if !supportLists]--><b><span style="font-size:12.0pt;line-height: 115%;font-family:"Book Antiqua",serif;mso-fareast-font-family:"Book Antiqua"; mso-bidi-font-famil