[2004] UGCommC 9

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\mrMargin0\mdefJc1\mwrapIndent1440\mintLim0\mnaryLim1}{\info{\title THE REPUBLIC OF UGANDA }{\author Administrator}{\operator skivumbi}{\creatim\yr2010\mo3\dy12\hr11\min59}{\revtim\yr2010\mo6\dy4\hr10\min47}{\version3}{\edmins18}{\nofpages4} {\nofwords1030}{\nofchars5252}{\nofcharsws6270}{\vern32859}}{\*\xmlnstbl {\xmlns1 http://schemas.microsoft.com/office/word/2003/wordml}}\paperw12240\paperh15840\margl1440\margr1440\margt1440\margb1440\gutter0\ltrsect \widowctrl\ftnbj\aenddoc\trackmoves1\trackformatting1\donotembedsysfont0\relyonvml0\donotembedlingdata1\grfdocevents0\validatexml0\showplaceholdtext0\ignoremixedcontent0\saveinvalidxml0\showxmlerrors0\noxlattoyen \expshrtn\noultrlspc\dntblnsbdb\nospaceforul\formshade\horzdoc\dgmargin\dghspace180\dgvspace180\dghorigin1440\dgvorigin1440\dghshow1\dgvshow1 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(}{\pntxta )}}\pard\plain \ltrpar\s15\qc \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid1206091 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 THE REPUBLIC OF UGANDA \line IN TH}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 E HIGH COURT OF UGANDA }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 AT KAMPALA \line (COMMERCIAL COURT) \par CIVIL SUIT NO. 0146 OF 2002 \par }\pard \ltrpar\s15\qc \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid1206091 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 RAHU}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 L J. PATEL }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 \'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85..\'85\'85\'85..}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 PLAINTIFF \line }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid11559772\charrsid1206091 VERSUS }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid1206091 \par }\pard \ltrpar\s15\ql \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid1206091 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 DFCU BANK}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid11559772\charrsid1206091 \line }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 (FORMERLY }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 GOLD TRUST BANK LTD) \'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85... DEFENDANT

\par }\pard \ltrpar\s15\ql \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid1206091 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 BEFORE: }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid11559772\charrsid1206091 THE HONOURABLE MR. JUSTICE JAMES OGOOLA }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid1206091 \par }\pard \ltrpar\s15\qc \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid1206091 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ul\insrsid11559772\charrsid1206091 JUDGMENT}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid1206091 \par }\pard \ltrpar\s15\qj \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid1206091 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 During the scheduling conference, the parties agreed the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 following facts in this case: \par }\pard \ltrpar\s15\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid1206091 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 (a) Plaintiff was a customer of and had a current account with GOLD}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 TRUST BANK (now DFCU); \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 (b) The Plaintiff applied for an overdraft facility in an amount of }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 450m/=; }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid1206091\charrsid1206091 \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 (c) A legal mortgage securing the overdraft of up to 450m/= was executed and re}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 gistered on the suit property; \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 (d) out of the total overdraft amount applied for, the P}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 laintiff accessed only 150m/\emdash ; \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 (e) the Plai}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091\charrsid1206091 ntiff paid a total amount of 11}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 .227m/= as charges, fees, stamp duty, etc. based on an overdraft of }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 450m/=; }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid1206091\charrsid1206091 \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091\charrsid1206091 (f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 The Plaintiff }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 repaid the overdraft of Ushs. 1}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 50m/=, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 plus interest thereon; and the sec}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091\charrsid1206091 urities were released. \par }\pard \ltrpar\s15\qj \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid1206091 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 2. The Plaintiff now comes to t his Court contending that DFCU\rquote s failure to disburse the full amount of the facility Ushs.450m/=, caused the Plaintiff the following financial, economic and business losses:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 \par \par \par }\pard \ltrpar\s15\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid1206091 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 (a) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704\charrsid1206091 Charges}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 and expenses deb}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 ited on account of \tab \tab \tab Ushs.450m/= \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 (plus interest thereon); }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid1206091 \tab \tab \tab \tab \tab \tab =}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 26.5 }{ \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091\charrsid1206091 2rn/= \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 (b) Return on investment on (a) at }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 30% }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 p.m.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 \tab \tab \tab \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 = }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 26.08m/= \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 (c) Return on investment of the Ushs.300m}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 /= no}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 t disbursed \par at 10% \tab \tab \tab \tab \tab \tab \tab \tab =605.02m/= \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 (d) Loss due to early retir}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704 ement of the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 Ushs.150m/= loan. \par \tab \tab \tab \tab \tab \tab \tab \tab \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid11559772\charrsid1206091 = 40.76m1= }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 \par }\pard \ltrpar\s15\qj \fi720\li5760\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin5760\itap0\ipgp1\pararsid1206091 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 Total }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ul\insrsid11559772\charrsid1206091 =698.40m/= }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid1206091 \par }\pard \ltrpar\s15\qj \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid1206091 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 3. The Plaintiff has accordingly sued the Defendant for the above amount, as well as for general damages, punitive/exemplary damages, general damages, interest on the above, and the costs of this suit. The core issue in this suit therefo re revolves around the question of whether the Defendant Bank breached the terms of the overdraft facility and, if so, how? A supplementary issue therefore is whether the Plaintiff is entitled to the remedies s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 ought? \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 4. The case raises fundamental and difficult principles of general banking law and practice \emdash and, especially, of the banker/customer relationship in the area of bank loans, adva}{ \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 nces and overdraft facilities. \par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 5. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 Mercifully, the complex legal ramifications that arise from the complicated facts of this case are not at all novel. They have been dealt with before, quite extensively both by our courts (judicial precedents), as well as by l}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 egal scholars (jurisprudence). \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 6. It will suffice to say the fol}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1206091 lowing: \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 (a) As regards the Plaintiffs claim for losses incurred on account of the Defendant Bank\rquote s alleged early retirement of the Ushs.150m/=loan that was actually disbursed, the principle is that an overdraft is }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704 repayable on demand. That is a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 cardinal characteristic of this kind of loan. It is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704 therefore a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 misnomer to speak of prematu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704 re retirement of an overdraft. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 (b) Plaintiffs claim for a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704 return on investment from the Ushs.300m/=}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 portion of the overall overdraft that was never disbursed to him, is equal}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704 ly unjustified given the trite }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 princip le of law that there can be no order for specific performance of a loan. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704 \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 7. The above principle was eloquently and lucidly propounded by CHITTY J in the case of }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid11559772\charrsid1206091 Western Wagon and Property Co. v West 1 chd }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704 [1892] 217 as follows: \par }\pard \ltrpar\s15\qj \li720\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\ipgp1\pararsid11824704 {\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid11559772\charrsid1206091 \'93 Equity will not decree specific performance of a contract to make or take a loan of money, whethe}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid11824704 r the loan is to be on security or }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid11559772\charrsid1206091 not. [}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid11824704\charrsid1206091 Per}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid11559772\charrsid1206091 Sir John Rom lily in }{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\insrsid11824704 Rogers v Challis (1859)}{ \rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\insrsid11559772\charrsid1206091 }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid11559772\charrsid1206091 27 }{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\insrsid11559772\charrsid1206091 Beav. 175; }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid11559772\charrsid1206091 and }{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\insrsid11559772\charrsid1206091 Sichel }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 V }{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\insrsid11559772\charrsid1206091 Mosenthal 30 Beav. 371 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 ... }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid11559772\charrsid1206091 both which were approved by the Privy Council in }{ \rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\insrsid11559772\charrsid1206091 Larios v Bonany Gurety Law Rep. 5 PC 346]. }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid11559772\charrsid1206091 In other words, }{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\insrsid11559772\charrsid1206091 a }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid11559772\charrsid1206091 Court of Equity will not compel the intended lender to make, or the intended borrower to take, the loan, but leave the parties to such a contract to their remedies by action}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid11824704 a}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid11559772\charrsid1206091 t Common Law for damages.\'94 }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid11824704 \par }\pard \ltrpar\s15\qj \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid1206091 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 (c) As regards the }{ \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704\charrsid1206091 Plaintiffs}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 claim for a return on investment on the charges, fees and exp}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704 enses }{ \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704\charrsid11824704 debited by the Defendant }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid11824704 Bank on account of the total approved amount of the overdraft (i.e. }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid11824704 45m/}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid11559772\charrsid11824704 =), }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid11824704 this Court finds the following three major dif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704\charrsid11824704 ficulties: \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 (i) the loss/da}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704 mages sought are quite remote. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 (ii) the computation of the return at 30% p.m. is grossly }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704\charrsid1206091 excessive;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 being a return of 360% p.a. \line This i}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704 s quite plainly unconscionable. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 (iii) The plaintiff has not adduced satisfactory proof to support the claim \emdash certainly no cogent proof at all was produced for th}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704 e grotesque claim of 360% p.a. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 8. In the result, this Court is unable to grant the above three claims. However, as regards the Plaintiffs claim for a return of the charges, fees and expen ses that were debited by the Defendant Bank on the basi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704 s of an overdraft of Ushs450m/}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 = (instead of the Ushs. 1 50m/= that was ultimately disbursed), this Court is prepared to consider an appropriate relief. The Plaintiffs total claim on this item was stated by way if a comprehensive amount }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704\charrsid1206091 totaling}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 UShs.26,519,518/=. In the absence of anything else to the contrary, I take that amount to comprise the charges for the 300m/= portion of the overdraft that was not disbursed, as well as the charges for the Ush}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704 s. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704\charrsid11824704 1}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid11559772\charrsid11824704 50m/= }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid11824704 that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 was actually disbursed. If that is so, then it would be fair and just to apportion the corresponding charges accordingly. In which case, the Plaintiffs loss here would comprise only those charges for which the corresponding portion of the o verdraft was not disbursed \emdash i.e. two-thirds of the total charges. This result is justified on the well-known legal principle of quasi-contract or unjust enrichment. I accordingly, allow 2/3 of the UShs.26,519,5l8/= to be returned to the Plaintiff, with in terest thereon at the rate of 18% p.a. from the date(s) on which the charges were debited by the Defendant Bank until payment in full. Given that overall Plaintiff has succeeded on }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704\charrsid1206091 only}{ \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 a portion of his total claims (i.e. UShs}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704\charrsid1206091 , l7.8m}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 / out of a total 698}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704 .40}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 m/=), I award the Plaintiff only a proportionate part of his costs in this suit. Accordingly the Defendant is to pay }{ \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704\charrsid1206091 only}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 3% of the Plaint}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704 iffs total costs of this suit. \par }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid11559772\charrsid1206091 Ordered accordingly. }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid11824704 \par }\pard \ltrpar\s15\qc \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid11824704 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 James Ogoola \line }{ \rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid11559772\charrsid1206091 JUDGE }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704 \line 23/03/2004 \par }\pard \ltrpar\s15\ql \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid11824704 {\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid11559772\charrsid1206091 DELIVERED TN OPEN COURT, BE FORE: }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 \line Cherotich Sitna, Esq \emdash for the Plaintiff \line Moses Adriko, Esq \emdash for the Defen}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11824704 dant \line J. M. Egetu \emdash Court Clerk \par }\pard \ltrpar\s15\qc \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid11824704 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 James Ogoola \line }{ \rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid11559772\charrsid1206091 JUDGE }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 \line 23/03/2004 \line \par }\pard\plain \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1206091 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11559772\charrsid1206091 \par }{\*\themedata 504b030414000600080000002100828abc13fa0000001c020000130000005b436f6e74656e745f54797065735d2e786d6cac91cb6ac3301045f785fe83d0b6d8 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