Ratio DecidendiRatio DecidendiRatio DecidendiRatio DecidendiRatio Decidendi



SALEMOK GHANA LIMITED
V.
ECOBANK GHANA LIMITED

(2019) JELR 69799 (HC)    
High Court  ·  SUIT NO: AB/88/2015 ·  26 Jun 2019 ·  Ghana
CORAM
HIS LORDSHIP JUSTICE KWEKU T. ACKAAH-BOAFO

Ratio Decidendi

Core Terms Beta
bank
defendant
account
evidence
plaintiff’s account
madam asarefori
respectful opinion
dollar account
mr. salia adams
online banking services
supreme court
claim of the plaintiff
evidence act
internet banking services
plaintiff company
said transactions
alleged unauthorized transfer of money
bank’s branch
civil cases
conditions of the online banking agreement
copy of a letter
copy of the said letter
cross examination
discovery of the unauthorized transfers
duty of a plaintiff
madam faustina asarefori
material witnesses
operations manager of the company
plaintiff account no.
plaintiff’s claim
result of the bank
result of the receiving account
said accounts of the plaintiff
salemok ghana limited
statement of defence
sufficient evidence
total amount of us
unauthorized transaction
unauthorized withdrawals
united states dollars
witnesses salemok

JUDGMENT

ACKAAH-BOAFO, J.

i. Introduction:

[1] The Plaintiff Company, Salemok Ghana Limited ("Salemok"), claims $5,000 United States Dollars and interest against the Defendant for unauthorized transaction that occurred on its account, damages for negligence and costs from the Defendant, Ecobank Ghana Limited (the "Bank"), for unauthorized withdrawals from its dollar account and, for damages for loss suffered as a result of the Bank's negligence in handling Salemok's monies in its account with the Bank.

[2] Salemok's claim relates to an alleged unauthorized transfer of money between December 22, 2014 and about December 24, 2014 totaling $8,000 and related complaint lodged by a letter dated January 7, 2015 to the Bank upon the discovery of the unauthorized transfers.

[3] The claim of the Plaintiff was met with a statement of defence filed by the Defendant on January 26, 2016 in which the Plaintiff’s claim was vehemently denied. The Defendant contends that the Plaintiff failed to comply with …

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