Katuramu v Virunga Finances Ltd (Miscellaneous Application No. 104 of 2016)
Observed later treatment
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Holding
Held that where a defendant totally denies the debt claimed and raises disputes as to the amount and repayment, unconditional leave to appear and defend must be granted. A defendant need not show a good defence on the merits but must satisfy the court that there is an issue or question in dispute which ought to be tried. Application allowed; applicant granted leave to file defence within ten days.
Outcome
Applicant granted leave to defend; matter to proceed to trial
Facts
The respondent filed a summary suit against the applicant claiming UGX 2,000,000,000 under a loan agreement plus interest at 25%. The applicant denied borrowing this sum and contended that any previous loans had been fully repaid by 10 July 2013. The applicant further claimed to be in possession of the securities allegedly held by the respondent and challenged the validity of the loan agreement as a concoction. The respondent's managing director deposed that the loan remained unpaid and that repayments made by the applicant related to a different loan facility. The applicant sought unconditional leave to appear and defend, raising triable issues including the genuineness of the loan agreement, the status of repayments, and whether the suit was time-barred under the Money Lenders Act.
Issues
- Whether the applicant has shown a bona fide defence that warrants unconditional leave to appear and defend the summary suit.
- Whether the applicant's denial of indebtedness establishes triable issues of law and fact.
- Whether disputes as to the amount claimed and the existence of loan repayment require a full trial.
Orders
- Application allowed.
- Applicant granted unconditional leave to appear and defend Civil Suit No. 083 of 2016.
- Applicant ordered to file her defence within ten (10) days from the date of this ruling.
- Costs in the cause.
Rules and key headnotes
Legislation cited (4)
- Civil Procedure Rules Order 36 rules 3, 4 and 9
- Money Lenders Act s.19
- Money Lenders Act s.21(i)(c)
- Civil Procedure Rules Order 7 rule 11(d)
Cases cited (8)
- Rajiv Kumar v Patel Sureshabhai (Miscellaneous Application No. 815 of 2014)
- Uganda Ecumenical Church Loan Fund v Nankabirwa Harriet (High Court Civil Suit No. 0307 of 2002)
- Broadband Company Limited v Joram Mugume (Miscellaneous Application No. 36 of 2013)
- Babigumira v Global Trust Bank Ltd & 7 Others (High Court Miscellaneous Application No. 677 of 2013)
- Marsenne (Uganda) Limited and 2 Others v Stanbic Bank (U) Ltd (Miscellaneous Application No. 482 of 2014)
- Bhaker Kotecha v Adam Muhammed (Civil Appeal No. 48 of 2001) [2002] 1 EA 112
- Makula International Trade Agency v Bank of Uganda [1985] HCB 65
- Bhaker Kotecha v Adam Muhammed (Civil Appeal No. 48 of 2001) [2002] 1 EA 112
Cases citing this judgment (2)
How later Ugandan judgments in the Wakilii corpus have cited this case. Treatment labels come from Sequitur — Uganda’s citator — each backed by a verbatim span from the citing judgment, and are not an assertion that this case is, or is not, good law.
Full judgment
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