PEARL KWAPONG OWUSU vs. ESTHER OBENG [2020]DLHC10462

Date	2020-02-11
Suit No.	SUIT No: GJ 1326/2019
Citation No.	[2020]DLHC10462

HER LADYSHIP JUSTICE ELLEN VIVIAN AMOAH

[2020]DLHC10462
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													<main id="main" class="content" style="min-height: 60rem" >PEARL KWAPONG OWUSU<o:p></o:p>(PLAINTIFF/APPLICANT)<o:p></o:p>vs.<o:p></o:p><img width="3" height="3" src="file:///C:/Users/aggie/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" v:shapes="_x0000_s1028"><img width="2" height="2" src="file:///C:/Users/aggie/AppData/Local/Temp/msohtmlclip1/01/clip_image002.gif" v:shapes="_x0000_s1027"><img width="2" height="2" src="file:///C:/Users/aggie/AppData/Local/Temp/msohtmlclip1/01/clip_image003.gif" v:shapes="_x0000_s1026">ESTHER OBENG<o:p></o:p>(DEFENDANT/RESPONDANT)<o:p></o:p>[HIGH COURT, ACCRA]<o:p></o:p><div style="border-top: none; border-right: none; border-left: none; border-image: initial; border-bottom-width: 1.5pt; border-bottom-color: windowtext; padding: 0cm 0cm 1pt;">

<p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt;
text-align:center;border:none;mso-border-bottom-alt:solid windowtext 1.5pt;
padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm">SUIT
No: GJ 1326/2019&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;&nbsp;&nbsp;DATE: 11TH
FEBRUARY, 2020<o:p></o:p>

</div>CORAM:<o:p></o:p><div style="border-top: none; border-right: none; border-left: none; border-image: initial; border-bottom-width: 1.5pt; border-bottom-color: windowtext; padding: 0cm 0cm 1pt;">

HER LADYSHIP
JUSTICE ELLEN VIVIAN AMOAH<o:p></o:p>

</div>APPLICATION FOR SUMMARY JUDGEMENT PURSUANT TO ORDER
14 RULE 1 OF CI 47<o:p></o:p>This
is the ruling of this court in an application for Summary Judgment filed on the
9TH of April 2019.<o:p></o:p>Plaintiff/Applicant
is a Ghanaian businesswoman operating under the business name, KAL SERVICES and
resident in House number 28, Atakora, Ashongman Estates, Accra.
Defendant/Respondent is a Ghanaian businesswoman trading under the name,
ESBENG-O ENTERPRISE. Defendant/Respondent owns a shop at the Madina market in
the Greater Accra Region and is the legitimate owner of a detached residential
property located at Amrahia near Ampomah junction in the Greater Accra Region. <o:p></o:p>Plaintiff/Applicant
claims that, in or about July 2017, the Defendant/Respondent requested for a
personal loan from the Plaintiff/Applicant for Defendant/Respondent’s business
activities. The Plaintiff/Applicant claims further that, she gave the
Defendant/Respondent a total amount of Hundred Thousand Ghana Cedis (GH₵ 100,000.00) in two equal installments of Fifty
Thousand Ghana Cedis (GH₵
50,000.00) payable in twelve (12) months at an interest rate of 5% per month. <o:p></o:p>Plaintiff/Applicant
says that as at July 2018, the Defendant/Respondent had paid all the interest
accrued on the said loan of Hundred Thousand Ghana Cedis (GH₵ 100,000.00) but had defaulted the full loan
amount. The principal was due on the 4th and 18th of July
2018. Defendant/Respondent issued two (2) cheques numbered 522232 and 522281
from HFC BANK GHANA LIMITED, Madina Branch in favour of KAL SERVICES due on the
4th and 18th of July 2018 respectively for the payment of
the loan. Both cheques were dishonored on their respective dates.<o:p></o:p>Through
Lawyer intervention and agreement, the Defendant/Respondent agreed to pay the
principal amount of Hundred Thousand Ghana Cedis (GH₵ 100,000.00) in ten (10) equal installments of Ten
Thousand Ghana Cedis (GH₵
10,000.00) per month. Defendant/Respondent is said to have paid Ten Thousand
Ghana Cedis (GH₵
10,000.00) into the lawyer’s account on the 30th day of September
2018 and have since not paid anything despite the efforts put into collecting
the money.<o:p></o:p>&nbsp;On
the 8th day of February 2019, Plaintiff/Applicant brought an action
against Defendant/Respondent for the following claims; <o:p></o:p>a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
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