CHRISLINE FINANCIAL SERVICES LTD vs. ROSE OMABOE [2019]DLHC6807

Date	2019-05-06
Suit No.	SUIT NO: AC/207/2010
Citation No.	[2019]DLHC6807

HIS LORDSHIP JUSTICE KWEKU T. ACKAAH-BOAFO

NASH KWAME ADJEI FOR THE PLAINTIFF

DEFENDANT- UNREPRESENTED

[2019]DLHC6807
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													<main id="main" class="content" style="min-height: 60rem" >CHRISLINE FINANCIAL
SERVICES LTD<o:p></o:p>(PLAINTIFF)<o:p></o:p>vs.<o:p></o:p>ROSE OMABOE<o:p></o:p>(DEFENDANT)<o:p></o:p><o:p>&nbsp;</o:p>[HIGH COURT (GENERAL JURISDICTION DIVISION, COURT 6),
ACCRA]<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">

SUIT
NO: AC/207/2010 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &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: 6TH
MAY, 2019<o:p></o:p>

DEFENDANT-
UNREPRESENTED<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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</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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</div><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;Times New Roman&quot;;mso-bidi-font-family:&quot;Times New Roman&quot;">i.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Introduction:<o:p></o:p><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;Times New Roman&quot;;mso-bidi-font-family:&quot;Times New Roman&quot;">[1]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <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;Times New Roman&quot;;mso-bidi-font-family:&quot;Times New Roman&quot;">The
Plaintiff Company, Chrisline Financial Services is a Company registered under
the laws of Ghana and engages in the business of providing financial services
to its customers. The Plaintiff contends that it granted the Defendant who is a
Customer and trades under the business name Naa Abekan Lube &amp; Energy various
loan facilities for her business pursuant to a loan application by the
Defendant. The Plaintiff contends the Defendant has breached the terms of the
agreement. The issues for my resolution in this case include: <o:p></o:p><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;Times New Roman&quot;;mso-bidi-font-family:&quot;Times New Roman&quot;">(i) whether or not the rate of interest on
the various loan facilities granted to the Defendant on the 18th of October,
2006 and 23rd &nbsp;November 2006
respectively was 6% per month, or 6% per annum,<o:p></o:p><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;Times New Roman&quot;;mso-bidi-font-family:&quot;Times New Roman&quot;">(ii) whether or not the rate of interest
on the various loan facilities granted to the Defendant on the 6th of December,
2006 and 11th December 2006 respectively was 5% per month, or 5% per annum; and<o:p></o:p><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;Times New Roman&quot;;mso-bidi-font-family:&quot;Times New Roman&quot;">(iii) whether or not the Defendant has
been aware of the status of her account at all material times. <o:p></o:p><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;Times New Roman&quot;;mso-bidi-font-family:&quot;Times New Roman&quot;">In effect, the Court
is to determine whether the Plaintiff is entitled to the reliefs endorsed on
the Writ of Summons. <o:p></o:p><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;Times New Roman&quot;;mso-bidi-font-family:&quot;Times New Roman&quot;"><o:p>&nbsp;</o:p><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;Times New Roman&quot;;mso-bidi-font-family:&quot;Times New Roman&quot;">[2]<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;Times New Roman&quot;;mso-bidi-font-family:&quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Plaintiff’s Writ of Summons and the
Statement of Claim issued on March 11, 2010 was for the following reliefs:<o:p></o:p><p class="MsoListParagraphCxSpFirst" style="margin-top:0in;margin-right:0in;
margin-bottom:0in;margin-left:1.0in;margin-bottom:.0001pt;mso-add-space:auto;
text-align:justify;text-justify:inter-ideograph;text-indent:-.25in;mso-list:
l0 level1 lfo1">(A) </span</main>