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

Dictum

So, where any dispute relates to breach of or non-compliance with certain formalities required by law for the lawful operation of banking business, the matter falls within the jurisdiction of the Federal High Court. See: Merchants Bank Ltd. v. Federal Minister of Finance (1961) All NLR 598. It is to be noted as well, where what is involved is only a dispute between a Bank and its customer in the ordinary cause of banking business, like an action by a bank to recover overdrafts granted to the customer, the Federal High Court has no jurisdiction. It is the State High Court that has jurisdiction in such a case. See: Jammal Steel Structures Ltd. v. African Continental Bank Ltd (1973) 1 All NLR (Pt.11)208; Bronik Motors Ltd & Anor v. Wema Bank Ltd (1983) 1 SCLR 296; FMBN v. NDIC (1999) 2 SCNJ 57 at 82.

— I.T. Muhammad, JSC. Adetona & Ors. v Igele (2011) – SC.237/2005

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BEFORE A COURT CAN EXERCISE JURISDICTION

Before a court can exercise jurisdiction respect of any matter, it must:- (a) be properly constituted as regards numbers and qualification of the members of the bench, and no member is disqualified for one reason or the others. (b) the subject-matter of the case is within the jurisdiction and there is no feature in the case which prevents the court from exercising its jurisdiction and (c) The case comes by clue process of law and upon fulfillment of any condition precedent to the exercise of jurisdiction.

— O.O. Adekeye, JSC. Mini Lodge v. Ngei (2009) – SC.231/2006

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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)

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TORT OF CONVERSION IS ACTIONABLE AT THE HIGH COURT

In TRADE BANK PLC v. BENILUX LIMITED (2003), 9 NWLR (pt.825) 416, this court in considering the exclusive jurisdiction of the Federal High court in matters provided under the section 230 (1) (d) of the constitution (suspension and Modification) Decree No.107 of 1993, held that although there is no relationship of customer and banker between the respondent and the appellant which fact would ordinarily have conferred jurisdiction on the High court, the respondent’s case therein, was simply a tort of conversion and therefore actionable in the High Court of a State.
(Relied on in Adetona & Ors. v Igele (2011) – SC.237/2005)

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WHERE A PARTY IS A FEDERAL GOVERNMENT AGENCY, THE FHC THAT HAS JURISDICTION

In the case of INEGBEDION V. SELO-OJEMEN & ANOR. (2013) LPELR – 19769 (SC); the Apex Court held: “The effect of Paragraphs (p), (q) and (r) of Section 251 (1) of the 1999 Constitution is to vest exclusive jurisdiction on the Federal High Court over all civil causes and matters in which the Federal Government or any of its agencies is a party. See NEPA V. EDEGBERO (2002) 103 LRCN 2280 at 2281 2282. The provision to Section 251 (1) of the 1999 Constitution does not in any way detract from the exclusive jurisdiction conferred on the Federal High Court by virtue of Section 251 (1) (p), (q) and (r). Consequently the proviso cannot apply.” Per Stanley Shenko Alagoa, J.S.C. (Pp 13 -14 para F – B).

Furthermore the Supreme Court went on to state that: “The law is unequivocally stated by the 1999 Constitution [as amended] in Section 251 (1) (p), (q), (r) and by this Court that where in a matter, one of the parties is the Federal Government or any of its Agencies, it is only the Federal High Court that has exclusive jurisdiction. A State High Court lacks jurisdiction to entertain such a matter. See: NATIONAL ELECTRIC POWER AUTHORITY V. EDEGBERO (2002) 18 NWLR (part 789) 79.” Per Ibrahim Tanko Muhammad, J.S.C (p. 15, paras A – B).

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PROCEEDING WILL BE REGARDED AS A NULLITY – JURISDICTION

Generally, proceedings before the Court of law can be regarded as a nullity where:- (a) The Court is not properly constituted as regards numbers and qualifications of the members of the bench. (b) The subject-matter of the action is not within the jurisdiction of the Court. (c) The case before the Court is not initiated by due process of law, or that there is a condition precedent to the exercise of jurisdiction. See MADUKOLU V NKEMDILIM, (1962)1 ALL N.L.R 587. — M.L. Shuaibu, JCA. Ekpo v GTB (2018) – CA/C/324/2013

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JURISDICTION OF THE COURT IS DETERMINED BY CAUSE OF ACTION

The jurisdiction of the court is determined by the cause of action of the plaintiff as endorsed on the writ of summons or from both the writ of summons and the statement of claim. Where however, an action is commenced by Originating summons then it is the reliefs sought as well as the averments in the affidavit in support of the originating process that would be examined to discern if the court has jurisdiction. These would be relied on if the facts placed before the court as contained in the statement of claim or the affidavit in the case of originating summons are clear and unambiguous to enable it determine the issue. This is because it is the plaintiff who invokes the constitutional right for a determination of his right and accordingly the exercise of the judicial powers of the Constitution vested in the courts. See: A-G., Oyo State v. NLC (2003) 8 NWLR (Pt. 821) page 1; Akande & 2 Ors. v. Busari Alagbe & Anor, (2001) FWLR (Pt. 38) page 1352, (2000) 15 NWLR (Pt.690) 353; A.-G., Federation v. Guardian Newspaper Ltd. & 5 Ors. (2001) FWLR (Pt. 32) page 93, (1999) 9 NWLR (Pt. 618) 187; Messrs N. V. Scheep & Anor. v. The MV’s Araz & Anor. (2000) FWLR (Pt 34) page 556, (2000) 15 NWLR (Pt. 691) 622; NEPA v. Atukpor (2001) FWLR (Pt. 20) page 626, (2000) 1 NWLR (Pt. 693) 96; General Sani Abacha & 3 Ors. v. Chief Gani Fawehinmi (2000) FWLR (Pt. 4) page 557, (2000) 6 NWLR (Pt. 660) 228; Okulate & 4 Ors. v. Awosanya & 2 Ors. (2000) 2 NWLR (Pt. 646) page 530-6.

— Aboki, JCA. Action Congress v INEC (2007) – CA/A/101/07

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