ADEBUKUNOLA ADEOTI BANJOKO, JCA (Delivering the Leading Judgment): This Appeal is against the Judgment delivered by HONOURABLE JUSTICE H. MU'AZU of the High Court of the Federal Capital Territory, Abuja, on the 14th Day of July 2021 in Suit No: FCT/HC/CV/3235/2020, seen on Page 118- 130 of the Record of Appeal.
The Case of the Appellant as Claimant before the Lower Court was that he maintained a Current Account under the "Diamond Exclusive" Account classification with the defunct Diamond Bank, now inherited by the Respondent/Defendant (Access Bank). The 'Diamond Exclusive' account was a premium account that offered exclusive privileges such as priority service at the bank, access to airport lounges, and favourable forex rotes for travel. One of the terms of maintaining such an Account is that Diamond Bank was to deduct a monthly service charge of N5,000.00 (Five thousand Naira); however, where the customer has a minimum of One Million Naira in the account, no such deductions would be m…