[2023]DLNLC17183 Login to Read Full Case <span style="font-size: 18px !important;"><p class="MsoNormal" align="center" style="margin-top:2.15pt;margin-right:0cm; margin-bottom:0cm;margin-left:4.5pt;margin-bottom:.0001pt;text-align:center"><b><span lang="EN-US" style="font-size:12.0pt; font-family:"Book Antiqua",serif;color:#00AF50">HENRY AKUOKO SARPONG <o:p></o:p></span></b></p><p class="MsoNormal" align="center" style="margin-top:2.15pt;margin-right:0cm; margin-bottom:0cm;margin-left:4.5pt;margin-bottom:.0001pt;text-align:center"><b><span lang="EN-US" style="font-size:12.0pt; font-family:"Book Antiqua",serif;color:#00AF50;letter-spacing:-.25pt">vs.</span></b><b><span lang="EN-US" style="font-size:12.0pt; font-family:"Book Antiqua",serif"><o:p></o:p></span></b></p><p class="MsoNormal" align="center" style="margin-top:2.1pt;margin-right:0cm; margin-bottom:0cm;margin-left:4.5pt;margin-bottom:.0001pt;text-align:center"><b><span lang="EN-US" style="font-size:12.0pt;font-family:"Book Antiqua",serif;color:#00AF50">HFC-BOAFO MICROFINANCE SERVICE LIMITED<o:p></o:p></span></b></p><p class="MsoNormal" align="center" style="margin-top:2.1pt;margin-right:0cm; margin-bottom:0cm;margin-left:4.5pt;margin-bottom:.0001pt;text-align:center"><b><span lang="EN-US" style="font-size:12.0pt;font-family:"Book Antiqua",serif;color:#00AF50"> </span></b><b><span lang="EN-US" style="font-size:12.0pt;font-family:"Book Antiqua",serif; letter-spacing:-.2pt">[NLC]<o:p></o:p></span></b></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; margin-left: 4.5pt; margin-right: 0cm;"> <p class="MsoNormal" style="margin-top:2.1pt;text-align:justify;border:none; mso-border-bottom-alt:solid windowtext 1.5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm"><span lang="EN-US" style="font-size:10.0pt;font-family:"Book Antiqua",serif">Our<span style="letter-spacing:-.15pt"> </span>Ref:<span style="letter-spacing:-.1pt"> NLC/C-510/016/2023/48 </span>21</span><span lang="EN-US" style="font-family: "Book Antiqua", serif;"><span style="font-size: 10px;">ST </span><span style="font-size: 10pt;">JULY, 2023</span><span style="font-size: 10pt; letter-spacing: -0.1pt;"><o:p></o:p></span></span></p> </div><p class="MsoNoSpacing" style="margin-left:4.5pt"><span lang="EN-US" style="font-size:12.0pt;font-family:"Book Antiqua",serif">FOR THE COMMISSION: <o:p></o:p></span></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; margin-left: 4.5pt; margin-right: 0cm;"> <p class="MsoNoSpacing" style="border:none;mso-border-bottom-alt:solid windowtext 1.5pt; padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm"><span lang="EN-US" style="font-size:12.0pt;font-family:"Book Antiqua",serif">JUSTICE KWABENA ASUMAN-ADU (RTD.)CHAIRMAN<o:p></o:p></span></p> </div><p class="MsoBodyText" style="margin-left:4.5pt;text-align:justify;line-height: 1.5pt;mso-line-height-rule:exactly"><span lang="EN-US" style="font-size:12.0pt; font-family:"Book Antiqua",serif"> </span></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; margin-left: 4.5pt; margin-right: 0cm;"> <p class="MsoNormal" align="center" style="margin-top:1.05pt;text-align:center; tab-stops:474.9pt;border:none;mso-border-bottom-alt:solid windowtext 1.5pt; padding:0cm;mso-padding-alt:0cm 0cm 0cm 0cm"><b><span lang="EN-US" style="font-size:12.0pt;font-family:"Book Antiqua",serif; letter-spacing:-.1pt">RULING <o:p></o:p></span></b></p> </div><p class="MsoNormal" style="text-align:justify;line-height:115%"><b><u><span lang="EN-US" style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua",serif; mso-font-width:110%"> </span></u></b></p><p class="MsoNoSpacing"><span lang="EN-US" style="font-size:12.0pt;font-family: "Book Antiqua",serif"> </span></p><p class="MsoNoSpacing"><span lang="EN-US" style="font-size:12.0pt;font-family: "Book Antiqua",serif;mso-font-width:105%">On<span style="letter-spacing:-.8pt"> </span>5<span style="position:relative;top:-3.0pt;mso-text-raise:3.0pt">th<span style="letter-spacing:.85pt"> </span></span>October,<span style="letter-spacing: -.5pt"> </span>2016,<span style="letter-spacing:-.8pt"> </span>Henry Akuoko<span style="letter-spacing:-.1pt"> </span>Sarpong, the<span style="letter-spacing: -.85pt"> </span>Complainant filed<span style="letter-spacing:-.45pt"> </span>a complaint<span style="letter-spacing:-.05pt"> </span>of<span style="letter-spacing: -.85pt"> </span>"Bad Reference" against HFC-Boafo Microfinance Service Limited, the Respondent.</span><span lang="EN-US" style="font-size:12.0pt; font-family:"Book Antiqua",serif"><o:p></o:p></span></p><p class="MsoNoSpacing"><span lang="EN-US" style="font-size:12.0pt;font-family: "Book Antiqua",serif"> </span></p><p class="MsoNoSpacing"><span lang="EN-US" style="font-size:12.0pt;font-family: "Book Antiqua",serif;mso-font-width:105%">The<span style="letter-spacing:-.45pt"> </span>Respondent<span style="letter-spacing:.55pt"> </span>was<span style="letter-spacing:-.35pt"> </span>represented<span style="letter-spacing: .3pt"> </span>by<span style="letter-spacing:-.6pt"> </span>a<span style="letter-spacing:-.45pt"> </span>Paralegal<span style="letter-spacing: -.55pt"> </span>and<span style="letter-spacing:-.4pt"> </span>led<span style="letter-spacing:-.85pt"> </span>by<span style="letter-spacing:-.5pt"> </span><span style="letter-spacing:-.1pt">Counsel.</span></span><span lang="EN-US" style="font-size:12.0pt;font-family:"Book Antiqua",serif"><o:p></o:p></span></p><p class="MsoNoSpacing"><span lang="EN-US" style="font-size:12.0pt;font-family: "Book Antiqua",serif"> </span></p><p class="MsoNoSpacing"><span lang="EN-US" style="font-size:12.0pt;font-family: "Book Antiqua",serif;mso-font-width:105%">The<span style="letter-spacing:1.3pt"> </span>parties<span style="letter-spacing:1.3pt"> </span>appeared<span style="letter-spacing:1.6pt"> </span>before the<span style="letter-spacing: 1.25pt"> </span>National<span style="letter-spacing:1.25pt"> </span>Labour<span style="letter-spacing:1.6pt"> </span>Commission<span style="letter-spacing: 1.8pt"> </span>on<span style="letter-spacing:1.75pt"> </span>4<sup>th</sup><span style="letter-spacing:1.4pt"> </span>July,<span style="letter-spacing:1.25pt"> </span>2023<span style="letter-spacing:1.4pt"> </span>for<span style="letter-spacing:1.5pt"> </span>a hearing of the dispute.<o:p></o:p></span></p><p class="MsoNoSpacing"><span lang="EN-US" style="font-size:12.0pt;font-family: "Book Antiqua",serif"> </span></p><p class="MsoNoSpacing"><b><span lang="EN-US" style="font-size:12.0pt;font-family:"Book Antiqua",serif;mso-font-width:105%">Complainant's</span></b><b><span lang="EN-US" style="font-size:12.0pt; font-family:"Book Antiqua",serif;letter-spacing:.7pt;mso-font-width:110%"> </span></b><b><span lang="EN-US" style="font-size:12.0pt; font-family:"Book Antiqua",serif;letter-spacing:-.2pt;mso-font-width:110%">case</span></b><b><span lang="EN-US" style="font-size:12.0pt; font-family:"Book Antiqua",serif"><o:p></o:p></span></b></p><p class="MsoNoSpacing"><span lang="EN-US" style="font-size:12.0pt;font-family: "Book Antiqua",serif;mso-font-width:105%">The<span style="letter-spacing:-.75pt"> </span>Complainant submitted<span style="letter-spacing:-.2pt"> </span>as<span style="letter-spacing:-.85pt"> </span>follows<span style="letter-spacing:-.6pt"> </span><span style="letter-spacing:-.1pt">that:</span></span><span lang="EN-US" style="font-size:12.0pt;font-family:"Book Antiqua",serif"><o:p></o:p></span></p><p class="MsoNoSpacing"><span lang="EN-US" style="font-size:12.0pt;font-family: "Book Antiqua",serif"> </span></p><p class="MsoNoSpacing" style="margin-left:36.0pt;text-indent:-18.0pt;mso-list: l1 level1 lfo1"><!--[if !supportLists]--><span lang="EN-US" style="font-size:12.0pt; font-family:"Book Antiqua",serif;mso-fareast-font-family:"Book Antiqua"; mso-bidi-font-family:"Book Antiqua";mso-font-width:105%">1.<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-size:12.0pt; font-family:"Book Antiqua",serif;mso-font-width:105%">They disbursed a loan of GHC40,000 to Madam Theresa Addo, which was the customer's second loan with<span style="letter-spacing:-.45pt"> </span>HFC-Boafo Asankragwa branch of which he<span style="letter-spacing:-.15pt"> </span>was<span style="letter-spacing:-.05pt"> </span>the Branch Supervisor.</span><span lang="EN-US" style="font-size:12.0pt;font-family: "Book Antiqua",serif"><o:p></o:p></span></p><p class="MsoNoSpacing"><span lang="EN-US" style="font-size:12.0pt;font-family: "Book Antiqua",serif"> </span></p><p class="MsoNoSpacing" style="margin-left:36.0pt;text-indent:-18.0pt;mso-list: l1 level1 lfo1"><!--[if !supportLists]--><span lang="EN-US" style="font-size:12.0pt; font-family:"Book Antiqua",serif;mso-fareast-font-family:"Book Antiqua"; mso-bidi-font-family:"Book Antiqua";mso-font-width:105%">2.<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-size:12.0pt; font-family:"Book Antiqua",serif;mso-font-width:105%">The customer, Madam Theresa Addo made them aware that her brother, Mr. Hayes, who guaranteed the loan will be using the money to clear his goods from the port.</span><span lang="EN-US" style="font-size:12.0pt;font-family:"Book Antiqua",serif"><o:p></o:p></span></p><p class="MsoNoSpacing"><span lang="EN-US" style="font-size:12.0pt;font-family: "Book Antiqua",serif"> </span></p><p class="MsoNoSpacing" style="margin-left:36.0pt;text-indent:-18.0pt;mso-list: l1 level1 lfo1"><!--[if !supportLists]--><span lang="EN-US" style="font-size:12.0pt; font-family:"Book Antiqua",serif;mso-fareast-font-family:"Book Antiqua"; mso-bidi-font-family:"Book Antiqua";mso-font-width:105%">3.<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &qu