HFC BANK (GHANA) LIMITED. vs. GOLDA BARTELS MENSAH [2021]DLHC10543

Date	2021-02-03
Suit No.	SUIT NO: BC/177/2015
Citation No.	[2021]DLHC10543

KWEKU T. ACKAAH-BOAFO J

MR. FRANCIS KWESI OTOO FOR THE PLAINTIFF - PRESENT

MR. JUSTICE ADUSA POKU FOR THE DEFENDANT – PRESENT

[2021]DLHC10543
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													<main id="main" class="content" style="min-height: 60rem" >HFC BANK (GHANA) LIMITED.<o:p></o:p>(PLAINTIFF)<o:p></o:p>vs.<o:p></o:p>GOLDA BARTELS MENSAH<o:p></o:p>(DEFENDANT)<o:p></o:p><span lang="EN-GB" style="font-size:10.0pt;line-height:115%;
font-family:&quot;Book Antiqua&quot;,serif;mso-fareast-font-family:Calibri;mso-bidi-font-family:
&quot;Times New Roman&quot;;mso-ansi-language:EN-GB">[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: BC/177/2015 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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:
<span lang="EN-GB" style="font-size:10.0pt;line-height:115%;font-family:
&quot;Book Antiqua&quot;,serif;mso-fareast-font-family:Calibri;mso-bidi-font-family:&quot;Times New Roman&quot;;
mso-ansi-language:EN-GB">3RD FEBRUARY, 2021<span lang="EN-GB" style="font-size:12.0pt;
line-height:115%;font-family:&quot;Book Antiqua&quot;,serif;mso-fareast-font-family:Calibri;
mso-bidi-font-family:&quot;Times New Roman&quot;;mso-ansi-language:EN-GB">.<o:p></o:p>

</div>COUNSEL:&nbsp;&nbsp; <o:p></o:p>MR. FRANCIS KWESI OTOO FOR THE PLAINTIFF
- PRESENT<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;">

MR.
JUSTICE ADUSA POKU FOR THE DEFENDANT – PRESENT <o:p></o:p>

</div>CORAM:<o:p></o:p>KWEKU T.
ACKAAH-BOAFO, J<o:p></o:p><div style="border-top-width: 1.5pt; border-top-color: windowtext; border-left: none; border-bottom-width: 1.5pt; border-bottom-color: windowtext; border-right: none; padding: 1pt 0cm;">

<p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt;
text-align:center;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;i.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Introduction:<o:p></o:p>[1]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The facts that are not in any serious
contention in this suit are that the Plaintiff granted the Defendant, who
trades under the name and style CHARISMA SHOPPING CENTRE, a loan facility in
October 2006 as working capital to augment her business. The offer letter
stated the “tenure” of the loan to be six months from the date of disbursement.
From the pleadings, the Defendant met all the conditions and same was disbursed
on November 10, 2006 and should have paid back the loan by the end of May 2007.
The Defendant defaulted and on December 1, 2014 the Plaintiff issued out a writ
of summons to recover the debt. <o:p></o:p>&nbsp;ii.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The
Action, the Statement of Defence and Issues:<o:p></o:p>[2]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; By
the Amended Writ of Summons the Plaintiff claims against the Defendant as
follows:<o:p></o:p><p class="MsoListParagraphCxSpFirst" style="margin-top:0cm;margin-right:0cm;
margin-bottom:0cm;margin-left:54.0pt;margin-bottom:.0001pt;mso-add-space:auto;
text-align:justify;text-indent:-18.0pt;mso-list:l1 level1 lfo1">(a)&nbsp;&nbsp; &nbsp;A declaration
that the Defendant has breached her obligation under the agreement entered into
with the Plaintiff on 20th October 2006.<o:p></o:p><p class="MsoListParagraphCxSpMiddle" style="margin-top:0cm;margin-right:0cm;
margin-bottom:0cm;margin-left:54.0pt;margin-bottom:.0001pt;mso-add-space:auto;
text-align:justify;text-indent:-18.0pt;mso-list:l1 level1 lfo1">(b)&nbsp; &nbsp;An order for the recovery of GH¢658,938.56 (Six Hundred and Fifty-Eight
Thousand, Nine Hundred and Thirty Eight Ghana cedis and Fifty Six Pesewas)
in breaching the contract entered into between the parties.<o:p></o:p><p class="MsoListParagraphCxSpMiddle" style="margin-top:0cm;margin-right:0cm;
margin-bottom:0cm;margin-left:54.0pt;margin-bottom:.0001pt;mso-add-space:auto;
text-align:justify;text-indent:-18.0pt;mso-list:l1 level1 lfo1">(c)&nbsp;&nbsp; <</main>