*CAN BANKS CHALLENGE COURT CASES/ORDERS ON BEHALF OF CUSTOMERS. * DAILY LAW TIPS (Tip 302) by Onyekachi Umah, Esq., LLM. ACIArb(UK)

The answer is No. Particularly in cases of garnishee proceeding, where a bank is a garnishee, the only duty the bank owes is to show why monies kept or owed by it to a judgement debtor should not be ordered to be paid to a judgement creditor. Hence, bank has no power to argue and defend its customer (judgement debtor) or to protect monies of such customer or to contest the validity of a court order.
Note that, “Garnishee Proceedings” is a procedure where a judgement creditor (a winner in a case/successful litigant) sues a person/company holding the money/goods of a judgement debtor (a loser in a case/unsuccessful litigant) to pay/transfer such money/goods directly to the judgement creditor as away to enable a judgement creditor enforce his judgement.

My authorities are the Supreme Court decisions in the cases of GUARANTY TRUST BANK PLC V. INNOSON NIGERIA LTD (2017) LPELR-42368(SC) and also UNION BANK OF NIGERIA PLC V. BONEY MARCUS INDUSTRIES LTD (2005) 13 NWLR (PT. 943) 654 at page 666.

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Upon hearing the application of Onyekachi Umah, Esq. LLM., ACIArb(UK) on behalf of the judgment creditor in the case of MRS. FINE ALUKO V. DIAMOND BANK PLC (Suit No: FCT/HC/CV/1419/2009), the court sitting in Apo ordered contempt proceedings against the directors of the judgment debtor (Diamond Bank PlC).

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