UNITED BANK FOR AFRICA V. CPL IZAT MAREN

TOM SHAIBU YAKUBU, J.C.A. (Delivering the Leading Judgment): This appeal emanated from the judgment of the Lagos State High Court of Justice, holden at Ikeja Judicial Division, delivered on 22nd December, 2016. The respondent was the claimant in that Court. He had been a customer of the appellant- being the defendant at the Court below and had maintained a savings account at Oba Akran Branch of the appellant, at Ikeja since 2003. On 29th January, 2010, he went to the said branch to transact his normal banking business with the appellant. He noticed a discrepancy in his statement of account and alerted the appellant. The latter alleged that the respondent must have disclosed his Personal Identification Number (PIN), unwittingly to somebody who made transfers from his account, using his PIN. The respondent caused a petition to be written to the Commissioner of Police, Lagos State Command and reported the fraudulent dealings by an unknown person with his accounts. In the course of police…