A Review of the Court of Appeal’s Decision in Moses G. Jwan v. Ecobank Plc & United Bank for Africa Plc CA/J/132/2019; (2021) 10 NWLR (PT 1785) 449; (2020) LPELR-55243(CA)



Abstract Views
478

Downloads
297

Citations

Share

##plugins.themes.bootstrap3.article.sidebar##

Submitted Jan 14, 2022
Published Dec 25, 2022
10.24018/ejpolitics.2022.1.5.1

Abstract viewed = 478 times

Table of Contents

##plugins.themes.bootstrap3.article.main##

This paper is a review of the Court of Appeal’s decision where it held that banks owe their customers a duty of care which extends to the responsibility of ensuring that a customer is paid cash whether he makes a withdrawal request whether through the use of a cheque or an automated teller machine (ATM) provided that there are sufficient funds in the customer’s account. It is a decision that hopefully would bring to the awareness of Nigerian banks that customers are owed a duty of care and failure to discharge that duty is negligence on their part. This is necessary especially as it has become common sight to find a long queue of customers waiting to file one complaint or the other at the customer service section of almost every bank in Nigeria.

Keywords: ATM, banker-customer relationship, duty of care, negligence.

References

  1. Dias, R.W.M. (1955). The duty problem is negligence. The Cambridge Law Journal, 13(2), 198–214.
     Google Scholar
  2. Donoghue v. Stevenson (1932) AC 562; [1932] UKHL 100.
     Google Scholar
  3. Evidence Act 2011.
     Google Scholar
  4. Jwan v. Ecobank & anor (2020) LPELR-55243(CA).
     Google Scholar
  5. Odusina, A.O. (2014). Automated teller machine usage and customers satisfaction in Nigeria. Global Journal of Management and Business Research 14(4), 69–74.
     Google Scholar
  6. Owen, D.G. (2007). The five elements of negligence. Hofstra Law Review. 35(4), 1671–1686.
     Google Scholar
  7. Raz, J. (2010). Responsibility and negligence standard. Oxford Journal of Legal Studies, 30(1), 1–18.
     Google Scholar
  8. Scholle Law. Elements of negligence. www.schollelaw.com/files/pdf/elements_of_a_georgia_negligence_claim.pdf.
     Google Scholar
  9. Thornton, R.G. (2002). The limited use of inferred negligence in medical cases. Proc (Bayl Univ Med Cent), 15(2), 228–230.
     Google Scholar
  10. U.B.N. Plc v. Chimaeze (2014) LPELR-22699(SC); (2014) 9 NWLR (Pt 1411) 166.
     Google Scholar
  11. White, E.O. (1938). The burden of proof of negligence in running-down cases. The Cambridge Law Journal, 6(3), 404–420.
     Google Scholar
  12. World Bank. (2020, June 26). Nigeria’s economy faces worst recession in four decades, says new World Bank report. www.worldbank.org/en/news/press-release/2020/06/25/nigerias-economy-faces-worst-recession-in-four-decades-says-new-world-bank-report.
     Google Scholar