19941018 TZHC Dodoma

IN 'lIIE mm CO® OF '1UZl.li[J.A ..... . . ~ ~0_& loo) ~ ~ ~o. 19 oF 1993 (Froo the dooision. of tho Diewiot OoU?t of Dodooa • ~l at Dodona in Civ:1.1 Caso Noe 29 of 1990 Before IIJl.L. Msen6 Esq. Ilosidont Magistrate ARTmtiK/lUI JOMA MSaNGI••~•Ju'l?ELI.rANT Versus TIIE NATIOW.l.Ii 13.t.:NK OF)·• • •.• e,l.u.,.,o,.u; n~o'Tl1T\Tl'lt,Tffl •.1.~~-.i; COMMID.1CE . ) · .

JUDGMENT 1bo a.m;:,oll.an-t Abubakari Jma. Msan[s'i was sucoossfully sued by the res1wndcnt oonpany (National Dank of' Connerco) at Dod.ocia.; District Court. n.i.c trial court. hold t1.1at indeed tho appellant was c-rantod an ovordl'.'aft facilitity to tl.1.e, tune of Shs.115,000/= in_ January, 1986, anl that by 10/3/1990 the debt and interest had oono __.-------to_shs.146 1 811/45 ~ The trial t12.-3ist"'.l'2.tc i\o:'thcr hold. that as -the .. appoU,ant did no".f; kl1ow tho aft~ and noaning of an overdraft facility, thon froo the dey tho suit was filed ho has on~ to pa_y- intcrost-a.t oourt rate instca..:l of tho b ~ rato. ~ovod by that decision, tho a.ppollant hn.s-appoalod to this court~ !ho fir-st grouncl of 2.p:poal is that tho triaJ. · oo'I.D:.'t grossly erred 1)9~ in law and fact in holding t1.1at the pl~a of ------- i'non-os~factuo• was not sustainable in tho circunsta.nccs of this case. . It was tho D-IJpcllant•s case at tho trial that ho was not . a.wa.To that ho w..s G['EU:J.tod an . ovcr~d't fooili ty11 IIo stti.cl that ho ~-.! --~,-1 ~ I)"'... SOn" .. ~.L0'"'"' ....... ,. --1- ..Z. 1'0 1..1 ... _._1.,.. '-...~-J • .1 .... •.n~.,, ~ t.:J--~ <. •., LJ,.L .\,.I.lo ~ • b·~r ti +·,o L.-,. _,L.J..,.._.,...., •.. ,,..,·c'· .•<..:..•"\llt.,;,\,Jt,,1,1,, -r.:-,,~ .... 1·-,~•~-:,_r,r,•;T ... .......,. J.)Ol"sonal :frioml. lTi tll respect tho o.z·cvr.:c:1t 3;:..--

::::::iontecl is proJ.)ostar~us. I It: cc;.1."l.ot bo sec ;.ously contCl'lclod t1.1c.t t.:.:e ~;;;r.: cllc.nt thoucht t:.,.d. 1'1.T • MvIC'l'"..i toa:L h:-f~ ' .ndvaneed hiD J.)O:..'soncl i::011cy . fror.1 1:.is pocl::ets, ~ when tho saicl 2-l')~)'Jll_nnt opened a cw.•1~ont 2.0count ro1cl c:r~w sono nonoy · usinc his choquo book f.roo that account,. . cot-f'n.ctun wo.s not aa,plicablo in tho ci:;.•c1.ir1:3t:,.;.1coc of t11is or:.se. Clearly tho plon. of non- - As holcl by Mwaknsondo J.A. in ti1.e caso of .f,:1.t!..-i..□ Brothers (E.4J, jJtcl. V1·s. Mr:vcH.-':s ~ l1awa.rd1 lJ98o/ T1L.ll,,, ,2,94 -!il:c ::_-:-loo. of no11-,;csir-- :f'actun wil\ be 2,pJ?licnbfo oni~tJ{orc the 1xirt;r to a contra.ct is O 1.UV!,,emtand not ca11a.blo...._tho '1u.LJ. J.r.lJ.)lications of _iho contrnot he is sie,.11inc. - 2 to acco:pt It will be ncivo in tJ.lo cil·cuust211ccs of t:::is cc.:::~ that tho appellant thoucJ1.t tho uoney ho was w.i. t..lidrawinG fron his account was gratutious oonoy given to hio free. No sane person, however illi torato ho nay bo oa.n ho so think. .It is ay finding tJ:12,t tho trial oourt was l.'i0ht to hold that tho plea of .uon-ost-..factun wn,'3 not applicable in tho o:1.1-ou- nstancos. Thon 1-b:-. Nyar.cnrika for tho appoll8Xlt has arcucd tJ.1at there was nc con tract for ·12.10 ovcrdraft 'fucl.".Li ty·~- tJ.1at was dra·wn and aci:-oocl upono It is true that tlloro was

no 'Wl'i tton contract to ih2,t effect& llowevor as }fu·• Uwoyoneo.~c. for tJ.10 rosponclcnt bank has properly contondoa, thcrc ,;,ras in this cn.cJ .:.a jJI;liod contract. '.1!10 narc fc.ot that tho arJ?ollant doposi tod a uor :;, ;8.[;o clood on 27/3/1986 1d.th the bcrik and tJ.1o:n continued to o:n·joy overclx;i;:!'t · fo.cili tics, tJ.1011 there was an ir.1:pliod contt-act that ho would later :,)FiY back tho noncy ho -;m,s 2..dvancodo It wuld be naive on tho• )?art of q o appellant to have t!10U@J.t that ho GOt {;;Tatutiou.s ooney. Tb.en ¥.ir.• Nyq·Gatika f~r tho appellant ·has arguod that his client had sb.s.117,oo0/d in his current account and so th-:1:t sun should hrwo · boon off-sot by ti~c tr:L:11 oov.:rt 011 h:i.s ovc,:-:10::-;::,,t't ~;>-,,:/.:!.:Lt-Jq, Howovor tho trin.l nagist;'1to held tJ.1a,t. only sb.s.14,000/= harl boon dcposi tod in tho appcllani: 1 s a.ccoun;t and that sm was off--so·t on tJ.lo overdraft :facility. In cy -.;onsiJ.ci:oil vic,r tho -tr.i.:.J. ":~ilJ·t·2::;t0 cannot be faulted.. In tho event, this ·e,weal fails ond it is disnissod wi tb. costs. O:rdcr - o.ccorclingJJ • -----==--. ~ -- -··· -----~--.. - -,"".'.,.,/~--,...,., • ·•/ IV/ I~ ✓ '-r - . •• .. .... ;J -··••--.