ISSUES BETWEEN CUSTOMER AND BANKER FALLS WITHIN A STATE HIGH COURT JURISDICTION

JURISDICTION CAN BE RAISED AT ANYTIME – IT SHOULD BE RAISED EARLIER

The issue of jurisdiction is fundamental and the law is trite that it can be raised by a party at any stage of courts’ proceedings, even at the level of the Supreme Ccourt. See Francis Durwode v. State 2000 15 NWLR part 691 page 467, Otukpo v. John 2000 8 NWLR part 669 page 507. It is however ideal that it be raised at the earliest stage of proceedings to avoid unnecessary waste of time, which the defendant has done in the instant case.

— A.M. Mukhtar, JSC. Adetona & Ors. v Igele (2011) – SC.237/2005

NULLITY FOR LACK OF JURISDICTION

Without doubt, where a case is heard and judgment is delivered by a court without jurisdiction, the proceedings will be a nullity. – Iguh, JSC. Oshatoba v. Olujitan (2000)

JURISDICTION OF THE COURT – GENERAL NATURE OF JURISDICTION

It is elementary to state that the jurisdiction of a court is the authority which a court possesses to decide matters brought before it or to take cognizance of matters presented in a formal way for its decision; In the case of Ogunmokun v Milad, Osun State (1999) 3 NWLR (pt. 594) 261 at 265, this court stated that – “Jurisdiction of the court is the basis, foundation and life wire of access to court in adjudication under Nigerian Civil Process. As courts are set up under the Constitution, Decrees, Acts, Laws and Edicts, they cloak the courts with the powers and jurisdiction of 28 adjudication. If the Constitution, Decrees, Acts, Laws and Edicts do not grant jurisdiction to a court or tribunal, the court and the parties cannot by agreement endow it with jurisdiction as no matter how well intentioned and properly conducted the proceedings, once it is incompetent, it is a nullity and an exercise in futility.” The jurisdiction of a court has further been defined as very fundamental and priceless commodity in the judicial process. That it is the fulcrum, centre pin or the main pillar upon which the validity of any decision of any court stands and around which other issues rotate. Thus, it cannot be assumed or implied, it cannot also be conferred by a party or by consent or acquiescence of parties. See SPDC Nig. Ltd. v Isaiah (2001) 5 SC (pt. 11)1, Attorney General of the Federation v Sode (1990) 1 NWLR (pt. 126) 500 at 541.

— I. Okoro JSC. Atiku, PDP v. INEC, Tinubu, APC (SC/CV/935/2023, 26th day of October, 2023)

SUBSTANTIVE VERSUS PROCEDURAL JURISDICTION OF THE COURT

In Adekanola v. A.P.D. Co. Ltd. (2026) 9 NWLR (Pt. 2048) 309 at 354–355, E–D per Tsammani JSC:

‘It should also be noted that, jurisdiction consists of procedural (adjectival) and substantive jurisdiction. Procedural (Adjectival) jurisdiction regulates the enforcement of substantive law. It comprises the rules by which a court hears or conducts civil or criminal proceedings. Substantive jurisdiction (or law) defines the rights and obligations of the parties in controversy. The substantive jurisdiction or law, determines the cause of action in a particular case. See Prince J.S. Atolagbe & Anor v. Alhaji Ahmadu Awuni& Ors (1997) LPELR-593 (SC), (1997) 9 NWLR (Pt. 522) 536; Central Bank of Nigeria v. Inalegwu Frankline Ochife & Ors (2025) LPELR-80220 (SC), (2025) 12 NWLR (Pt. 2000) 1 and Total Exploration & Production Nigeria Ltd v. Okwu (2024) LPELR-62623 (SC), (2024) 17 NWLR (Pt. 1967) 379. Thus, breach of substantive law or jurisdiction will have the effect of nullifying any judgment or order reached in the absence of such jurisdiction. In the case of Mobil Producing Nigeria Unlimited v. Lagos State Environmental Protection Agency & Ors (2002) LPELR-1887(SC), (2002) 18 NWLR (Pt. 798) 1 this court held thus: “……. sometimes, the distinction between substance and procedure is blurred. It is generally accepted that matters (including facts which define the rights and obligations of the parties in controversy) are matters of substance defined by substantive law, whereas matters which are mere vehicles which assist the court or Tribunal in going into matters in controversy or litigated before it are matters of procedure regulated by procedural law. Facts which constitute the cause of action are matters of substance and should be pleaded, whereas facts which relate to how a party is to invoke the jurisdiction of the court for a remedy pursuant to his cause of action is a matter of procedure outside the realms of pleadings ……”

As stated earlier in the course of this judgment matters of substantive law or jurisdiction are donated either by the Constitution or Statute. In the instant case, we are confined to the substantive jurisdiction of the trial court, which is the Federal High Court of Nigeria. It is axiomatic that the jurisdiction of the Federal High Court is defined by section 251 of the Constitution of the Federal Republic of Nigeria, 1999 (as altered).’