SALEMOK GHANA LIMITED vs. ECOBANK GHANA LIMITED [2019]DLHC6828

Date	2019-06-26
Suit No.	SUIT NO: AB/88/2015
Citation No.	[2019]DLHC6828

HIS LORDSHIP JUSTICE KWEKU T. ACKAAH-BOAFO

MR. LAMTIIG APANGA THE PLAINTIFF

MR. ROBERT PAPPOE FOR THE DEFENDANT

[2019]DLHC6828
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													<main id="main" class="content" style="min-height: 60rem" >SALEMOK GHANA LIMITED<o:p></o:p>(PLAINTIFF)<o:p></o:p>vs.<o:p></o:p>ECOBANK GHANA LIMITED<o:p></o:p>(DEFENDANT)<o:p></o:p><o:p>&nbsp;</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: AB/88/2015&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;DATE: 26TH JUNE, 2019<o:p></o:p>

</div>COUNSEL: <o:p></o:p>MR. LAMTIIG APANGA 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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MR.
ROBERT PAPPOE FOR 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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HIS
LORDSHIP 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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</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;;
mso-ansi-language:EN-CA;mso-fareast-language:EN-CA">i.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Introduction<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;;mso-ansi-language:
EN-CA;mso-fareast-language:EN-CA">:<o:p></o:p>[1]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 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 of the Bank's negligence in handling
Salemok's monies in its account with the Bank.<o:p></o:p><o:p>&nbsp;</o:p>[2]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Salemok's claim
relates to an alleged unauthorized transfer of 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>[3]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 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><o:p>&nbsp;</o:p>ii.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Issues for Trial<o:p></o:p>[4]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 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><o:p>&nbsp;</o:p>a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 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>