THERESA NGOLIKA ORJI-ABADUA, J.C.A. (Delivering the Leading Judgment): This is an appeal against the judgment of Kaduna State High Court delivered on the 4th August, 2011, in suit No. KDH/KAD/645/2011 commenced by the defunct Intercontinental Bank Plc, now substituted with the present Respondent, Access Bank Plc. It was commenced by way of Writ of Summons dated the 14th June, 2011. In the Statement of Claim filed by it which was dated the 13th June, 2011, the Respondent claimed against the Appellants as follows:
"1. The sum of N24, 012,395.47 (Twenty Four Million and Twenty one Thousand, Three Hundred and Ninety Five Naira and Forty Seven Kobo) being the amount outstanding and unpaid indebtedness of the defendants on the 1st defendant's account No. 0230001000000807 with the Plaintiffs NNPC/PPMC, Kaduna Branch as at 19/11/2010 in respect of the overdraft and/or loan facilities made available to the 1st defendant at his request and guaranteed by the 2nd defendant personally.
2. Interest…