GA RURAL BANK LTD vs. NII ANNANG ANNAN [2019]DLHC7664

Date	2019-07-17
Suit No.	SUIT NO. GJ 661/2019
Citation No.	[2019]DLHC7664

HER LADYSHIP OLIVIA OBENG OWUSU J.

SIKA ABLA ADDO FOR PLAINTIFF APPLICANT

[2019]DLHC7664
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													<main id="main" class="content" style="min-height: 60rem" >GA RURAL BANK LTD<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>NII ANNANG ANNAN<o:p></o:p><o:p>&nbsp;</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 661/2019&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &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: 17TH
JULY, 2019<o:p></o:p>

</div>COUNSEL:<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">

SIKA ABLA ADDO FOR PLAINTIFF APPLICANT<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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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;
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JUDGMENT<span lang="EN-GB" style="font-size:12.0pt;
line-height:115%;font-family:&quot;Book Antiqua&quot;,serif;mso-fareast-font-family:&quot;Times New Roman&quot;;
mso-fareast-theme-font:minor-fareast;mso-fareast-language:EN-GB"><o:p></o:p>

</div>This application is for judgment in default of
appearance. The writ and the accompanying statement of claim were served on the
defendant on the 11th of March, 2019 according to the affidavit
sworn to by the serving bailiff. The defendant failed to enter appearance and
on 10th July, 2019 the plaintiff filed this ex-parte motion for an order
to enter final judgment against the defendant. By its writ of summons the
plaintiff applicant (hereinafter referred to as the plaintiff) claimed against
the defendant as follows:<o:p></o:p>“(a)&nbsp;&nbsp;&nbsp; Payment
of the GHC46,412.15 owed to the plaintiff by the defendant.<o:p></o:p>(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest
on the said amount owed by the defendant till date of final payment at the
prevailing commercial bank rate<o:p></o:p>(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Costs including legal fees<o:p></o:p>(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Any other orders(s) this honourable court may deem
fit”<o:p></o:p>The plaintiff’s case as gleaned from its statement
of claim is that the defendant applied to it for overdraft facilities with
short repayment periods for business activities between 18th January
2010 and 8th January, 2015. On the 8th January 2015 with
an outstanding debt of GHC56, 410.22 owed by the defendant to it, the defendant
applied for an additional overdraft of GHC5, 000.00 bringing the total
overdraft applied for to a sum of GHC62, 000.00. Between 4th March
2010 and 13th January, 2015 the total sum approved and granted to
the defendant was at an interest rate of 35% per annum on a daily balance. The
defendant accepted the total overdraft facility and committed to abide by the
terms and conditions governing the facility. It is the plaintiff’s case that
the defendant has failed to pay back the overdraft facility. It says that as at
December 2018 the balance on the defendant’s account with it stood at GHC46,
412.15.<o:p></o:p>Under Order 10
rule 1 of CI 47 where the plaintiff’s claim against a defendant is for a
liquidated demand only and the defendant fails to file appearance the plaintiff
may after the time limited for appearance apply to enter final judgment against
the defendant for a sum not exceeding that claim by the writ and for costs and
proceed with the action against other defendants if any. Default in entering
appearance thus discharges the plaintiff of the burden to prove any liquidated
demand endorsed on the writ and enables him/her to apply for final judgment.<o:p></o:p>&nbsp;I have
heard learned counsel for Plaintiff. I am satisfied that Defendant though
served with the writ of summons and statement of the claim defaulted in
entering appearance as required by the rules. I find that he is indebted to the
Plaintiff.<o:p></o:p>Accordingly I grant the application as prayed and
enter final judgment for the plaintiff against the defendant in the sum of
GHC46, 412.15.<o:p></o:p>&nbsp;Interest is
to be assessed on the sum of GHC46, 412.15 at the prevailing commercial bank
rate from December 2018 to the date of final payment.<o:p></o:p>I award costs of GHC2, 000.00 against the defendant.<o:p></o:p>