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Tanzania Judgment

TZHC

kilua ali kisaka vs agricultural imputs trust funds others 2003 tzhc 56 9 july 2003

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Professional case brief

Research organized from the available case record

Source document

01

Holding and result

The plaintiff borrowed money and mortgaged his house as security. He failed to repay the debt, and the defendant lawfully sold the property. The plaintiff's denial of the mortgage was found to be an afterthought and unsupported by evidence.

Court disposition

dismissed with costs

Orders

  • Suit dismissed with costs

02

Material facts

Parties

Kilua Ali Kesaka

Appellant Counsel: Mr Ukangwa

Agricultural Inputs Trust Funds & Others

Respondent Counsel: Lyimo

Amounts and remedies

  • Loan Amount: TZS 20,000,000

03

Procedural history

  1. Posture

    Civil / Judgment

04

Questions and positions

Legal issues

Party arguments

Applicant
The plaintiff denied mortgaging his house and sought release of the attached property and substitution with other properties.
Respondent
The defendant asserted that the plaintiff borrowed money, mortgaged his house as security, failed to repay the debt, and the property was sold after due process.

05

Court’s reasoning

  1. 01

    Court's own reasoning in judgment

    Courts will not protect borrowers who fail to fulfill their debt obligations and offer no valid excuse.

06

Ratio, limits and disposition

Ratio decidendi

The plaintiff borrowed money and mortgaged his house as security. He failed to repay the debt, and the defendant lawfully sold the property. The plaintiff's denial of the mortgage was found to be an afterthought and unsupported by evidence.

Obiter and limits

  • The only meaningful solution for a borrower is to repay the loan and not to seek court protection for failure to pay debts. Courts will not accept lame excuses for not fulfilling debts.

Court disposition

dismissed with costs

  • Suit dismissed with costs

Source and reliance status

TZHC · 9 July 2003

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Judgment reading view

Judgment text

The complete available source text.

Source document

TZHC

Judgment· 9 July 2003

kilua ali kisaka vs agricultural imputs trust funds others 2003 tzhc 56 9 july 2003

IN THE HIGH COURT OF•TANZANIA

AT M R ES SALAAM CIVIL CASE NO. 200/3000 KILUA ALI KESAKA .... ....APPELLANT

VERSUS

AGRICULTURAL IMEUTS TRUST FUNDS & OTHERS*,,....... RESPONDENT

J U D G M E N T LUANDA.J. .............................................. Kukopa Harusi, Icu-lipa Matanga, This Kiswahili saying applies to this case* Literally translated in Bnglishi thus:-to ’a o zzi& i/ joyous,, whereas to pay back is sorrjwful# Having gone through the•evidence of the parties and documents tendered in court thereis no dispute that the plaintiff * the defendant with the sole purpose of borrowing money* The plaintiff wrote a letter to that effect thereafter he filed in application form* The plaintiff intended to bodJJ’oW Tshs 20,0001 000/= In return he was rc;" to surrender a title deed as security. The plaintiff did that* The defendant took all necessary steps including filing notice of search / in the Ministry of Land to see whether there was any encumbrance, / There was none* The title deed was in the name of the plaintiff# The transaction was ' on 2/h/\997* The plaintiff was to settle the debt latest by 18th March|l998^ The plaintiff w^js^unable to settle the debt as per the agreement#! The defendant through / dated 9th May,2000 published notice of sale of the mortgaged property. The plaintiff rushed to this court and instituted this suit in that the property attached should bereleased and the properties of the 3 rd and H h be substituted* He also filed an application for a temporary induction# This court refused the order prayed for as there £s

no*r:ri.-\*j issue to be a'4u^i-rrtv.- upon* The plaintiff denied to have mortgaged his house with the defendant* That is an afterthought* The evidence on record is dcuJl and clear in that he was. the are who borrowed the money and mortgaged his house as coratersCU And to date he is yet to settle the debt# ' «•’ 2 Hie defendant said they had already sold the house* Lot tne £'•“ what I had stated when ^ to grant temporary induction. I saidI- "■4 * 0 the only meaningful solution for him as a borrower and alike is to repay the l,v:a and not to rush to the court of law for protection. Court of law will.not accept lame excuses in not F~ tilir.; debts. And it will be the last institution, if at all, to protect such borrowers of the applicant's calibre” In view of the foregoing, therefore, the suit ha^Lerits. The same is dismissed with costs. ' Judgment delivered Mr Ukangwa for the Pl&intiff Lyimo for the defendant* B*M«Luanda Judge 10/7/2

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