ABOKOBI AREA RURAL vs. NII DZAHAA MANLE [2020]DLHC10708

Date	2020-10-19
Suit No.	SUIT NO: GJ/1160/2020
Citation No.	[2020]DLHC10708

HER LADYSHIP OLIVIA OBENG OWUSU (MRS.) J.

NAA ODOFOLEY NORTEY FOR PLAINTIFF PRESENT

[2020]DLHC10708
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													<main id="main" class="content" style="min-height: 60rem" >ABOKOBI AREA RURAL<o:p></o:p>(PLAINTIFF)<o:p></o:p>vs.<o:p></o:p>NII DZAHAA MANLE<o:p></o:p>(DEFENDANT)<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;">

SUIT
NO: GJ/1160/2020 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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:
19TH
OCTOBER, 2020<o:p></o:p>

</div>COUNSEL:<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;">

NAA ODOFOLEY NORTEY FOR PLAINTIFF
PRESENT<o:p></o:p>

<p class="MsoNormal" align="center" style="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>&nbsp;This is an Application for Summary Judgment under Order 14,
rule 1 of CI 47.&nbsp; <o:p></o:p>&nbsp;The affidavit in support of the application discloses that on 3rd of April, 2017 the Defendant
in addition to his pre-exiting loan facilities from the Plaintiff, applied for
an additional loan facility of GHC100, 000 to enable him expand his business. Pursuant
to this on 27th of April, 2017 the Plaintiff entered into a loan
agreement with the Defendant. The Defendant was to repay the facility together
with interest at the rate of 30% per annum computed using the straight line
method for a period of 36 months with effect from 28th of June, 2017
to 28th of May, 2020. As security for the loan the Defendant gave
his house at Teiman to the Plaintiff. The provision of security was the material
inducement for which the Plaintiff gave out this loan to the Defendant. On 24th
of July, 2017 the Defendant wrote to the Plaintiff for an additional loan
facility in the sum of GHC20, 000.00 making his total liability to the Plaintiff
GHC198, 240.00.<o:p></o:p>&nbsp;In pursuance
of this request by the Defendant on 28th of July, 2017 the Plaintiff
entered into a loan agreement with the defendant wherein it granted the Defendant
the additional loan facility of GHC 20,000.00. The Defendant was to repay the
facility together with interest thereon at the rate of 30% per annum completed
using the straight-line method and make a monthly payment of GHC10, 462. The Defendant
utilized the facility and has failed to honour his obligation by paying off the
full loan. According to the Plaintiff it caused its lawyers to write a final
demand letter to the Defendant dated 23rd of January, 2020. The Defendant
paid an amount of GHC 50,000.00 out of the total debt owed. This attracted an
additional penalty of GHC21, 880.21. It is the contention of the Plaintiff that
the time limited for paying the loan has long elapsed and all efforts to get
the Defendant to settle his indebtedness have proved futile. It says that as at
28th of May, 2020 the Defendant’s outstanding balance was GHC 380,321.07.
<o:p></o:p>&nbsp;The Defendant
failed to file an affidavit in opposition although he was served with the
present application. This does not mean however that the Plaintiff would be
automatically entitled to the order or judgment sought. The
purpose of Order 14, rule 1 of the rules of Court is to enable a Plaintiff to
obtain Summary Judgment without trial, if he can prove his claim clearly. &nbsp;
<o:p></o:p>From
the affidavits and exhibits filed the Plaintiff’s case can be described as
clear enough. I am satisfied that the Defendant&nbsp;
has no defence in law such as would justify him being granted leave to
defend the Plaintiff’s claim. <span style="font-family: &quot;Book Antiqua&quot;, serif; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">I accede to the application and enter judgment
for the Plaintiff in the sum of; <o:p></o:p>(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
GHC
380,321.07 <o:p></o:p>&nbsp;(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Interest
is to be assessed on the amount at the prevailing bank rate from 28th of May, 2020 till date of final payment<o:p></o:p>&nbsp;