CHINWE EUGENIA IYIZOBA, J.C.A.(Delivering the Leading Judgment): This is one among the several appeals filed by the 1st Appellant from Suit No.ID/241/2007. The 1st, 2nd and 3rd Appellants are customers of the 1st Respondent and had obtained credit facilities from it but the relationship has turned sour. After the Appellants applied for further facilities which was refused by the Respondent, by an internal memorandum of the 1st Respondent dated 28th November, 2002, a query was issued to a certain Mrs. M. Adisa to explain why disciplinary action would not be taken against her for recommending that fresh application of the 1st Appellant as the prime mover of the 2nd appellant for credit facility be granted, when the said 1st Appellant had under a different name: Abdul Rauf Ademola Adedokun, applied for loan under the name of the 3rd Appellant which loan was not repaid and was written off. Upon becoming aware of this internal memorandum, the Appellants sued the 1st Respondent for libel cl…