OSEI YAW ANNING vs. STANBIC BANK GHANA LTD. [2019]DLSC5273

Date	2019-01-30
Suit No.	CIVIL APPEAL NO. J4/72/2018
Citation No.	[2019]DLSC5273

DOTSE JSC (PRESIDING)

BAFFOE-BONNIE JSC

BENIN JSC

DORDZIE (MRS) JSC

AMEGATCHER JSC

STEPHEN ALEWABA FOR THE PLAINTIFF/RESPONDENT/APPELLANT.

DR. POKU ADUSEI FOR THE DEFENDANT/APPELLANT/RESPONDENT

[2019]DLSC5273
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													<main id="main" class="content" style="min-height: 60rem" >OSEI YAW ANNING <o:p></o:p>(PLAINTIFF/ RESPONDENT/ APPELLANT)<o:p></o:p>vs.<o:p></o:p>STANBIC BANK GHANA LTD. <o:p></o:p>(DEFENDANT /APPELLANT/ RESPONDENT)<o:p></o:p><o:p>&nbsp;</o:p>[SUPREME COURT, ACCRA]<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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CIVIL APPEAL NO. J4/72/2018&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &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: 30TH JANUARY,
2019<o:p></o:p>

</div>COUNSEL:&nbsp;&nbsp; <o:p></o:p>STEPHEN
ALEWABA FOR THE PLAINTIFF/RESPONDENT/APPELLANT.<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
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DR. POKU ADUSEI FOR THE DEFENDANT/APPELLANT/RESPONDENT <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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DOTSE
JSC (PRESIDING), BAFFOE-BONNIE JSC, BENIN JSC, DORDZIE (MRS) JSC, AMEGATCHER
JSC<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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<p class="MsoNormal" align="center" style="margin-bottom:0in;margin-bottom:.0001pt;
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</div>DORDZIE
(MRS), JSC:-<o:p></o:p>FACTS:<o:p></o:p>The
Appellant herein had been the customer of the respondent bank for a number of
years and had been a beneficiary of loan and overdraft facilities from the
respondent bank since 2006. The appellant at a point in time defaulted in the
repayment of the loan facilities.&nbsp; On
4/11/2011 the respondent commenced an action against him for the recovery of: <o:p></o:p>(a)
The sum of Gh¢ 336,186.55 being the outstanding balance as at 30/9/11 on a term
loan the appellant obtained from the bank.<o:p></o:p>(b)
The sum of GHc 316,325.65 being the outstanding balance as at 30/9/11 on an
overdraft facility granted the appellant by the respondent.&nbsp; The respondent further prayed for interest on
the sums claimed at the prevailing bank rate from 30/9/11 till date of
judgment. This suit was commenced at the Commercial Division of the High Court,
Kumasi and it is numbered BFS 29/2012.<o:p></o:p>The
High Court presided over by Mensa-Homiah J, gave judgment in favour of the
respondent for the recovery of the sums claimed. The said judgment is dated 20th
June 2012.&nbsp; The appellant did not appeal
against this judgment but instituted a fresh action in the Commercial Division
of the High Court, Kumasi, this time presided over by Emmanuel Ankamah J. The
said suit is numbered RPC 84/2014.<o:p></o:p>The
appellant prayed for the following reliefs in suit N0 RPC 84/2014:<o:p></o:p>a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; A Declaration that the judgment obtained by the
defendant in suit No.BFS 29/2012 dated the 20th day of June, 2012
titled: STANBIC BANK GHANA LIMTED v OSEI YAW ANNING Trading under the name and
style THE NEW CHAMPOIN ENTERPRISE was fraudulently and maliciously procured
particularly as the plaintiff herein never obtained any overdraft facility of GHc
250,000.00 on 21st August, 2009 and a loan of 150,000.00 on the same
21st August, 2009 as was contended by the defendant during the trial
in suit No. BFS 29/2012.&nbsp; <o:p></o:p>b)&nbsp;&nbsp;&nbsp;&nbsp; An order setting aside the said judgment obtained
by the defendant and ALL consequential and incidental orders made thereon by
the trial High Court judge in suit N0.BFS 29/2012.<o:p></o:p>