KINGSLEY CHIMAMEY AND EMELIA CHIMAMEY vs. LEGACY CAPITAL SAVINGS AND LOANS LIMITED AND JANET SERWAA [2019]DLHC7660

KINGSLEY CHIMAMEY AND EMELIA CHIMAMEY vs. LEGACY CAPITAL SAVINGS AND LOANS LIMIT... [2019]DLHC7660

Date	2019-07-12
Suit No.	SUIT NO: GJ/1311/2017
Citation No.	[2019]DLHC7660

HER LADYSHIP OLIVIA OBENG OWUSU J.

CHARLES BREW HAMMOND H/B FOR KANGA-KESSE FOR PLTS

AFUA OHEMEG GYAN H/B FOR SHARON AMA BLANKSON FOR 1ST DEFENDANT

MARK ZIWU FOR 2ND DEFENDANT

[2019]DLHC7660
																																						<div class="restriction-wrapper">
														<div class="container-lg">
															<div class="row">
																<div class="col-md-12 restricted-content">
																	<div class="restricted-content-img-wrapper">
																		<div class="lock-icon bounce-7">
																			<img class=""
																				src="https://www.dennislawgh.com/dl-assets/dl-images/lock-content.png"
																				alt="Subscription based content">
																		</div>
																	</div>
																	 
																		<a href="https://www.dennislawgh.com/login"
																		class="btn btn-primary btn-lg"
																		style="font-family: 'open sans'; text-transform: capitalize; border-radius: 8px"> 
																		Login to Read Full Case </a>
																	 
																	
																</div>
															</div>
														</div>
													</div>
													<main id="main" class="content" style="min-height: 60rem" >KINGSLEY CHIMAMEY AND EMELIA CHIMAMEY<o:p></o:p><span lang="EN-GB" style="font-size:12.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,serif;
mso-fareast-font-family:&quot;Book Antiqua&quot;;mso-bidi-font-family:&quot;Book Antiqua&quot;;
color:#00B0F0">vs.<o:p></o:p>LEGACY CAPITAL
SAVINGS AND LOANS LIMITED AND JANET SERWAA<o:p></o:p>[HIGH
COURT (GENERAL JURISDICTION COURT 4), ACCRA]<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0cm 0cm 1.0pt 0cm">

SUIT
NO: GJ/1311/2017 &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; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;DATE: 12TH
JULY, 2019<o:p></o:p>

</div>COUNSEL:<o:p></o:p>CHARLES BREW HAMMOND H/B FOR KANGA-KESSE FOR PLTS <o:p></o:p>AFUA OHEMEG GYAN H/B FOR SHARON AMA BLANKSON FOR 1ST
DEFENDANT <o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0cm 0cm 1.0pt 0cm">

MARK ZIWU FOR 2ND
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;
padding:0cm 0cm 1.0pt 0cm">

HER LADYSHIP OLIVIA OBENG
OWUSU, J.<o:p></o:p>

</div><o:p>&nbsp;</o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid black 1.5pt;
padding:0cm 0cm 1.0pt 0cm">

RULING<o:p></o:p>

</div>On the 12th
of September, 2017, the plaintiffs issued a Writ of Summons for the following
reliefs:<o:p></o:p>“ (1)&nbsp;&nbsp;&nbsp;&nbsp; An
order directed at the defendant to
deliver&nbsp; the said&nbsp; vehicle described in paragraph 3 to the
plaintiffs in its state and form at the time of seizure.<o:p></o:p>(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Payment
of accumulated daily sales&nbsp; of Two Hundred
and Fifty Ghana Cedis (GH₵
250.00) per day with interest commencing from the date of seizure till final
delivery of same to plaintiffs.<o:p></o:p>&nbsp;(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Damages for unlawful seizure and
detention; and cost”.<o:p></o:p><o:p>&nbsp;</o:p>In a nut shell the plaintiffs case is that they
are owners of a Mercedes Benz Mini bus with registration number GW 8805-17 and
same is operated commercially yielding daily sales of GH₵250.00. &nbsp;On
4th&nbsp; August, 2017 while the
vehicle was being driven and /or operated by their driver in pursuit of their
commercial transport business the 1st defendant seized or caused to
be seized the same vehicle without their consent or without an order from a Court
and has since detained and continues to do same without authority.&nbsp; They contend that this has occasioned them
financial and economic injury. They maintain that they neither authorized the 2nd
defendant to obtain a loan facility from the 1st defendant nor use
the vehicle in dispute as security for the said loan facility.&nbsp; Furthermore they contend that whatever charge
was created in respect of the vehicle is null and void and of no effect as the
said security did not comply with Section 25 of the Borrowers and Lenders Act
2008, Act 773.<o:p></o:p>For its part the 1st defendant resists
the plaintiff’s claim.&nbsp; Its case is that
the 2nd defendant applied for and was granted a loan facility of GH₵25, 000.00 on the 14th of September,
2016 to pay for freight charges of a Mercedes Benz Sprinter with chassis number
WDB-904-463-IP-938-573.&nbsp; The loan
facility was secured by this unregistered vehicle and another Mercedes Benz Sprinter
with chassis number WDB-903-462-IP-875 with registration number GW8510-15.&nbsp; &nbsp;In
addition to this it was secured by a personal guarantee of one David
Agyapong.&nbsp; <o:p></o:p>According to the 1st defendant it was a
term of the facility granted that the unregistered vehicle shall remain in its
possession until the 2nd defendant makes full and final payment of
the said facility and all interest accrued thereon.&nbsp; Furthermore it was a term of the said
facility that in case of a default on the part of the 2nd defendant
it shall have the option of selling either one or both vehicles used in
securing the facility to offset the loan sum and its accrued interest.<o:p></o:p>It says that it took possession of the vehicle of
the unregistered vehicle which had been illegally moved from the custody of the
2nd defendant’s mechanic.<o:p></o:p>On the 13th of March, 2019 the
plaintiffs filed an application for directions.&nbsp;
Learned counsel for the plaintiffs applied to the Court for issue (v)
set out in the application for directions to be set down for legal arguments
under Order 33 rule 3 of C.I 4</main>