BANK OF AFRICA GHANA vs. MAYFRED NYAMEKYE [2019]DLHC9103

Date	2019-12-16
Suit No.	SUIT NO.BFS/140/15
Citation No.	[2019]DLHC9103

HER LADYSHIP JUSTICE JENNIFER ABENA DADZIE

ALFRED SETORWU BUATSI ESQ. OF LAW BUREAU ADABRAKA ACCRA COUNSEL FOR PLAINTIFF

EDWARD ANOKYE ESQ. OF OKONA CHAMBERS ASYLUM DOWN ACCRA COUNSEL FOR DEFENDANT

[2019]DLHC9103
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													<main id="main" class="content" style="min-height: 60rem" ><a name="_Hlk24465880">BANK
OF AFRICA GHANA<o:p></o:p></a>(PLAINTIFF)<o:p></o:p>vs.<o:p></o:p>MAYFRED NYAMEKYE<o:p></o:p>(DEFENDANT)<o:p></o:p>[HIGH COURT, (COMMERCIAL DIVISION)
ACCRA]<o:p></o:p><o:p>&nbsp;</o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0cm 0cm 1.0pt 0cm">

<p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt;
text-align:center;line-height:115%;border:none;mso-border-bottom-alt:solid windowtext 1.5pt;
padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm">SUIT NO.BFS/140/15&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &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:
16TH DECEMBER, 2019<o:p></o:p>

</div>COUNSEL:<o:p></o:p>ALFRED SETORWU BUATSI, ESQ., OF LAW
BUREAU, ADABRAKA, ACCRA, COUNSEL FOR PLAINTIFF<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;margin-left:0cm;margin-right:.2pt">

<p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;text-align:
justify;line-height:115%;tab-stops:298.8pt;border:none;mso-border-bottom-alt:
solid windowtext 1.5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm">EDWARD
ANOKYE, ESQ., OF OKONA CHAMBERS, ASYLUM DOWN, ACCRA, COUNSEL FOR DEFENDANT<o:p></o:p>

</div>CORAM:<o:p></o:p>HER LADYSHIP JUSTICE JENNIFER ABENA
DADZIE<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;
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<p class="MsoNormal" align="center" style="margin-bottom:0cm;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:0cm;mso-padding-alt:1.0pt 0cm 1.0pt 0cm">JUDGMENT<o:p></o:p>

</div><o:p>&nbsp;</o:p>The Plaintiff is
a limited liability company incorporated under the laws of Ghana and carrying
on the business of banking whiles the Defendant is a customer of the Plaintiff
bank.<o:p></o:p>Briefly, the
facts of the case as can be surmised from the records are that on or about July
22, 2013, the Plaintiff honoured a cheque with reference no. 0862753 in the
amount of One Hundred Thousand Ghana cedis (GH¢100,000.00), which was presented
through clearing. The cheque was issued by the Defendant to the payee, Lucky
Oil. It is the submission of the Plaintiff that the honouring of the cheque was
done erroneously since there were no funds in the account of the Defendant at
the time the said cheque was presented. Upon discovery of the error on or about
November 4, 2013, Plaintiff made a demand on the Defendant to repay the said
amount and according to the Plaintiff, even though Defendant concedes that the
payment was made in error, she has failed to make the due repayment on demand. &nbsp;It is the Plaintiff’s contention that as at
February 4, 2014, the total outstanding amount due, including accrued interest
thereon, stood at One Hundred and Thirty Thousand Ghana cedis Twenty-eight
pesewas (GH¢130,372.28). <o:p></o:p>In the said circumstance, Plaintiff caused a Writ of
summons to be issued against the Defendant on April 28, 2015 for the following
reliefs:<o:p></o:p><span 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;;
mso-ansi-language:EN-US">a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The repayment of
the sum of GH¢130,372.28 being the sum owed and due after the Plaintiff
mistakenly honoured Defendant’s cheque.<o:p></o:p><span 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;;
mso-ansi-language:EN-US">b.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest on the
said sum at the Plaintiff’s commercial lending rate from February 4, 2014 to
date of final payment.<o:p></o:p>c.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Costs including legal cost of 10% of the amount owed
and due the Plaintiff.<o:p></o:p>Defendant
entered appearance through counsel on June 19, 2015 and filed her defence out
of time on June 22, 2015 with the Registry of this Court.<o:p></o:p>