FIDELITY BANK (PLAINTIFF) vs. DIGICAST COMPANY LIMITED & ANOR. (DEFENDANTS) [2019]DLHC7257

Date	2019-02-06
Suit No.	SUIT NO. CM/BFS/0692/16
Citation No.	[2019]DLHC7257

HIS LORDSHIP GEORGE K. KOOMSON (J).

JOSEPH YAMOAH FOR DR. YEBOAH AMOAH FOR PLAINTIFF

DELA BLAGOGEE FOR 1ST DEFENDANT

EBO BREW-HAMMOND FOR NII ODOTEYE FOR 2ND DEFENDANT

[2019]DLHC7257
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													<main id="main" class="content" style="min-height: 60rem" >FIDELITY BANK<o:p></o:p>(PLAINTIFF)<o:p></o:p>vs.<o:p></o:p>DIGICAST COMPANY LIMITED
&amp; ANOR.<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;
padding:0in 0in 1.0pt 0in">

SUIT
NO. CM/BFS/0692/16&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; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;DATE: 6TH FEBRUARY,
2019<o:p></o:p>

</div>COUNSEL: <o:p></o:p>JOSEPH YAMOAH FOR DR.
YEBOAH AMOAH FOR PLAINTIFF<o:p></o:p>DELA BLAGOGEE FOR 1ST
DEFENDANT<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">

EBO
BREW-HAMMOND FOR NII ODOTEYE FOR 2ND DEFENDANT<o:p></o:p>

</div>CORAM:<o:p></o:p>HIS LORDSHIP GEORGE K.
KOOMSON (J).<o:p></o:p><div style="mso-element:para-border-div;border-top:solid windowtext 1.5pt;
border-left:none;border-bottom:solid windowtext 1.5pt;border-right:none;
padding:1.0pt 0in 1.0pt 0in">

<p class="MsoNormal" align="center" style="margin-bottom:0in;margin-bottom:.0001pt;
text-align:center;line-height:115%;border:none;mso-border-top-alt:solid windowtext 1.5pt;
mso-border-bottom-alt:solid windowtext 1.5pt;padding:0in;mso-padding-alt:1.0pt 0in 1.0pt 0in">JUDGMENT<o:p></o:p>

</div>On the 20th
of October, 2016, the Plaintiff issued the instant action against the 1st
and 2nd Defendants jointly and severally asking for the following
reliefs:<o:p></o:p>a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Recovery of GH¢204,090.36 being the
total outstanding balance comprising principal and interest, due as at 24th
February, 2016 on a Salary-Backed Loan Facility granted by the Plaintiff to the
2nd Defendant then an employee of the 1st Defendant which
indebtedness the 1st Defendant agreed to pay but had since failed or
refused to pay and which outstanding balance continues to attract interest
coupled with penal charges.<o:p></o:p>b.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Agree overdue interest on GH¢204,090.36
from 25th February, 2016 at&nbsp;
the rate of 29% per annum (Including a penal charge of 7% per annum on
overdues) until date of judgment or full repayment whichever is earlier in
time.<o:p></o:p>c.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Statutory post judgment interest on the
sum of GH¢204,090.36 together with accrued overdue interest from 24th
February, 2016, from date of judgment until final payment.<o:p></o:p>d.&nbsp;&nbsp;&nbsp;&nbsp; Legal costs at full indemnity.<o:p></o:p>The Defendants
were served with the Writ of Summons and Statement of Claim on the 24th
of October, 2016. Defendants entered appearance and filed their respective
statement of defence. On the 22nd of March, 2018, the Court ordered
parties to file their respective witness statement and check-lists. A further
order was made for the Plaintiff to serve a copy of this order on the
Defendants although the Defendants were served with copies of this order
directing them to file their witness statement and check-lists, they failed to comply
with the said order. The Court on the 23rd of May 2018 at Case
Management Conference struck out the statement of defence filed by the
Defendants for non-compliance with the order directing them to file their
witness statement in accordance with the rules of Court.<o:p></o:p>Then on the 5th
of June, 2018 by an application filed by Counsel for 2nd Defendant,
the Court set aside the order striking out the statement of defence and
restored same. A further order was made directing the 2nd Defendant
to file his witness statement and check-list within ten (10) days. The 2nd
Defendant accordingly filed his witness statement on 14th of June
2018. <o:p></o:p>The case of
Plaintiff is that, the 2<sup</main>