Standard Bank of SA Ltd v Park Boulevard Trading 53 CC and Another (20713/2013) [2013] ZAGPPHC 185 (5 July 2013)
The court found that the defendants had raised a bona fide defence that is good in law, specifically challenging the quantum and accuracy of the alleged indebtedness and the use of the certificate of balance. Given these disputes, summary judgment as an extraordinary remedy could not be granted, and the defendants...
Source-derived case information.
- Citation
- [2013] ZAGPPHC 185
- Parties
- Applicant: Standard Bank of SA Limited; Respondent: Park Boulevard Trading 53 CC; Respondent: Caren Estelle Labuschagne
- Court
- North Gauteng High Court, Pretoria
- Jurisdiction
- South Africa
- Case Number
- 20713/2013
- Procedural Posture
- Summary Judgment Application / Application for Summary Judgment
- Outcome
- Summary judgment application dismissed; defendants granted leave to defend.
- Judges
- Kubushi
- Legal Topics
- Summary Judgment, Certificate of Balance, Suretyship, Acknowledgment of Debt
Source-derived case record
Summary, issues, holding and outcome
More case intelligence is available
Unlock the full research layer for this judgment.
Parties
Standard Bank of SA Limited
Applicant
Park Boulevard Trading 53 CC
Respondent
Caren Estelle Labuschagne
Respondent
Procedural Posture
Summary Judgment Application / Application for Summary Judgment
Legal Issues
- 1 Whether the defendants have disclosed a bona fide defence that is good in law to resist summary judgment.
- 2 Whether the certificate of balance is sufficient prima facie proof of indebtedness in the absence of agreement.
- 3 Whether summary judgment should be granted given the disputes raised on quantum and indebtedness.
Ratio Decidendi
The court found that the defendants had raised a bona fide defence that is good in law, specifically challenging the quantum and accuracy of the alleged indebtedness and the use of the certificate of balance. Given these disputes, summary judgment as an extraordinary remedy could not be granted, and the defendants were entitled to defend the matter at trial.
Court Disposition
Summary judgment application dismissed; defendants granted leave to defend.
Orders
- The application for summary judgment is dismissed.
- The defendants are granted leave to defend the matter.
Full Case Text
Judgment text and source record
33 paragraphs
REPORTABLE
IN THE HIGH COURT OF SOUTH AFRICA (NORTH GAUTENG, PRETORIA)
CASE NO: 20713/2013
DATE:05/07/2013
In the matter between:
THE STANDARD BANK OF SA LIMITED..................................PLAINTIFF/APPLICANT
and
PARK BOULEVARD TRADING 53 CC......................................FIRST DEFENDANT/RESPONDENT
CAREN ESTELLE LABUSCHAGNE..........................................SECOND DEFENDANT/RESPONDENT
JUDGMENT
KUBUSHI, J
[1] This is an opposed summary judgment application. The plaintiffs claim is based on an acknowledgment of debt signed on behalf of the first defendant by the second defendant. The second defendant also signed an unlimited suretyship in favour of the plaintiff for the debt of the first defendant as security for repayment by the first defendant.
[2] In resisting the application the defendants have raised various defences in limine and also on the merits. In particular they are challenging the quantum of the indebtedness alleged by the plaintiff. Their defence is that they have not agreed to the use of a certificate of balance as prima facie proof of their indebtedness and disputes the correctness and accuracy of the alleged default and indebtedness.
[3] Without having to decide on the points in limine I find that the defendants have raised a bona fide defence which is good in law and if raised at trial it may constitute a defence to the applicant's claim.
[4] In a summary judgment application, where the question of whether the respondent has a bona fide defence arises, the court does not attempt to decide the issues or to determine whether or not there is a balance of probabilities in favour of the one party or the other. The respondent is also not required to persuade the court of the correctness of the facts stated by him or her or where the facts are disputed, that there is a preponderance of probabilities in his or her favour. All that a court requires, in deciding whether the respondent has set out a bona fide defence, is:
a. whether the respondent has disclosed the nature and grounds of his or her defence, and
b. whether on the facts so disclosed the respondent appears to have, a defence which is bona fide and good in law. It is sufficient if the respondent swears to a defence, valid in law, which if advanced may succeed on trial.
See MAHARAT v BARCLAYS NATIONAL BANK LTD 1976 (1) SA 418 (A) at 426A - E, MARSH v STANDARD BANK OF SA LTD 2000 (4) SA 947 (W) at 949E - F and NAIR v CHANDLER 2007 (1) SA 44 (T) at 47B -C.
[5] Summary judgment being an extraordinary stringent remedy, it should be granted only where there is no doubt that the applicant has an unanswerable case. Where doubt exists it must be refused. See TESVEN CC & ANOTHER v SOUTH AFRICAN BANK OF ATHENS 2000 (1) SA 268 (SCA] at 277H - 278A.
[6] As regards the issue of costs my view is that an appropriate cost order should be costs in the cause.
[7] In the premises I make the following order:
a. The application for summary judgment is dismissed.
b. The defendants are granted leave to defend the matter.
c. Costs are costs in the cause.
EM KUBUSHI
JUDGE OF THE HIGH COURT
Appearances:
HEARD ON THE : 04 JULY 2013
DATE OF JUDGMENT : 05 JULY 2013
APPLICANTS’ COUNSEL : ADV M. RILEY
APPLICANTS’ ATTORNEY: STRYDOM BRITZ MOHULATSI INC
RESPONDENT'S COUNSEL: ADV A. WIID
RESPONDENT'S ATTORNEY : CHRISTO BOTHA ATTORNEYS