JUSTICE Y. ABDULAI vs. ECOBANK GHANA LIMITED [2023]DLCA15142

Date	2023-03-09
Suit No.	SUIT NO: H1/229/2020
Citation No.	[2023]DLCA15142

WELBOURNE J.A (PRESIDING)

MENSAH J.A.

BARTELS-KODWO J.A.

Daniel Osei for Plaintiff /Appellants

Francis Kwame Offin for Defendant/Respondent

[2023]DLCA15142
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													<main id="main" class="content" style="min-height: 60rem" >JUSTICE Y. ABDULAI<o:p></o:p>(PLAINTIFF/APPELLANT)<o:p></o:p>vs<span lang="en-DE" style="font-size:12.0pt;
font-family:&quot;Times New Roman&quot;,serif;mso-fareast-font-family:&quot;Times New Roman&quot;;
mso-bidi-font-family:Arial;color:#00B0F0;mso-ansi-language:#2000">.<o:p></o:p>ECOBANK GHANA
LIMITED<o:p></o:p>(DEFENDANT/RESPONDENT)<o:p></o:p>[COURT OF APPEAL, 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: 0in 0in 1pt; margin-left: 0in; margin-right: 13.9pt;">

<p class="MsoNormal" align="center" style="margin-bottom:0in;margin-bottom:.0001pt;
text-align:center;line-height:normal;border:none;mso-border-bottom-alt:solid windowtext 1.5pt;
padding:0in;mso-padding-alt:0in 0in 1.0pt 0in">SUIT NO: H1/229/2020 &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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DATE: 9TH March, 2023<o:p></o:p>

</div>COUNSEL<o:p></o:p>Daniel
Osei for Plaintiff /Appellants<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: 0in 0in 1pt; margin-left: 0in; margin-right: -0.25in;">

<p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align:
justify;line-height:150%;border:none;mso-border-bottom-alt:solid windowtext 1.5pt;
padding:0in;mso-padding-alt:0in 0in 1.0pt 0in">Francis Kwame Offin for
Defendant/Respondent<o:p></o:p>

</div>CORAM&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <o:p></o:p>WELBOURNE J.A (PRESIDING), MENSAH J.A.<span lang="en-DE" style="font-size:12.0pt;font-family:&quot;Book Antiqua&quot;,serif;mso-fareast-font-family:
&quot;Times New Roman&quot;;mso-bidi-font-family:&quot;Times New Roman&quot;;mso-ansi-language:
#2000">, BARTELS-KODWO J.A.<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 0in; margin-left: 0in; margin-right: 13.9pt;">

<p class="MsoNormal" align="center" style="margin-bottom:0in;margin-bottom:.0001pt;
text-align:center;line-height:normal;border:none;mso-border-top-alt:solid windowtext 1.5pt;
mso-border-bottom-alt:solid windowtext 1.5pt;padding:0in;mso-padding-alt:1.0pt 0in 1.0pt 0in">JUDGMENT<o:p></o:p>

</div>&nbsp;BARTELS-KODWO (JA):-<o:p></o:p>&nbsp;INTRODUCTION:<o:p></o:p>&nbsp;This is an appeal from the decision of the High Court, Adentan,
Accra dated 12th November, 2021 which decision dismissed the
Plaintiff/Appellant’s (hereinafter called “the Appellant”) action brought
against the Defendant/Respondent.&nbsp;<o:p></o:p>At this point, it is trite knowledge that among the most important
conditions in the contract between a banker and a customer who conducts a
current account is the obligation of the banker to honour the customer's
cheques to the extent of the customer's credit, see the cases of Joachimson
v Swiss Bank Corporation [1921] 3 KB 110 at 127; and Aktas v Westpac
Banking Corp Ltd<span style="background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"> [2007] NSWSC 1261 at page
1261. If for any reason, this is not stated expressly in a contract
between a bank and a customer, it is as a matter of necessity, implied by
law.&nbsp;<o:p></o:p>At the same time, the ability of a bank to efficiently and
effectively process cheques submitted by customers is a matter of general
convenience and welfare of society Macintosh v Dun (1908) 6 CLR 303
at 305; [1908] AC 390 at 399.&nbsp;