africa.lawBeta
SearchAsk AICollectionsJudgesCompareMemo
africa.law

Free access to African legal information. Legislation, case law, and regulatory documents from across the continent.

Resources

  • Legislation
  • Gazettes
  • Jurisdictions

Developers

  • API Documentation
  • Bulk Downloads
  • Data Sources
  • GitHub

Company

  • About
  • Contact
  • Terms of Use
  • Privacy Policy

Jurisdictions

  • Ghana
  • Kenya
  • Nigeria
  • South Africa
  • Tanzania
  • Uganda

© 2026 africa.law by Bhala. Open legal information for Africa.

Aggregating legal information from official government publications and public legal databases across the continent.

Back to search
Case Law[2025] ZAGPPHC 219South Africa

First Rand Bank Limited t/a First National Bank v V and N Agencies CC and Another (39869/21) [2025] ZAGPPHC 219 (10 March 2025)

High Court of South Africa (Gauteng Division, Pretoria)
10 March 2025
OTHER J, Defendant J, Schyff J

Headnotes

judgment. The plaintiff issued a simple summons. The cause of action is a written acknowledgment of liability executed by the first and second defendants on 21 June 2021. The defendants filed a notice of intention to defend, whereafter the plaintiff filed a declaration. The plaintiff’s case is based on the written acknowledgment of liability. [2] The defendants deny concluding and signing an acknowledgment of liability agreement. They acknowledge that a credit facility was afforded to them by the plaintiff and claim that the plaintiff had not assessed the first defendant’s financial situation and affordability prior to affording the first defendant a credit facility. [3] Counsel for the plaintiff submitted that the court should disregard what it coined a bare denial. If regard is had to the facta probanda contained in the summons, it is difficult to grasp how the defendants should have phrased their plea other than denying that they signed any acknowledgment of liability. [4] It is trite that the onus of proving the existence of a contract, the acknowledgment of liability agreement, rests on the person who alleges that the contract exists.[1] By denying that the acknowledgment of liability agreement was concluded or signed by the second defendant, the defendants raise a justiciable issue and avert summary judgment being granted against it.

Judgment

begin wrapper begin container begin header begin slogan-floater end slogan-floater - About SAFLII About SAFLII - Databases Databases - Search Search - Terms of Use Terms of Use - RSS Feeds RSS Feeds end header begin main begin center # South Africa: North Gauteng High Court, Pretoria South Africa: North Gauteng High Court, Pretoria You are here: SAFLII >> Databases >> South Africa: North Gauteng High Court, Pretoria >> 2025 >> [2025] ZAGPPHC 219 | Noteup | LawCite sino index ## First Rand Bank Limited t/a First National Bank v V and N Agencies CC and Another (39869/21) [2025] ZAGPPHC 219 (10 March 2025) First Rand Bank Limited t/a First National Bank v V and N Agencies CC and Another (39869/21) [2025] ZAGPPHC 219 (10 March 2025) Download original files PDF format RTF format make_database: source=/home/saflii//raw/ZAGPPHC/Data/2025_219.html sino date 10 March 2025 REPUBLIC OF SOUTH AFRICA IN THE HIGH COURT OF SOUTH AFRICA GAUTENG DIVISION, PRETORIA CASE NO.: 39869/21 (1)    REPORTABLE: NO (2)    OF INTEREST TO OTHER JUDGES: NO (3)    REVISED: NO Date: 10 March 2025 E van der Schyff In the matter between: FIRST RAND BANK LIMITED t/a FIRST NATIONAL BANK                                      Plaintiff and V & N AGENCIES CC                                                                                    First Defendant MUKESH NARSING THACOR                                                                Second Defendant JUDGMENT Van der Schyff J Introduction [1] This is an application for summary judgment. The plaintiff issued a simple summons. The cause of action is a written acknowledgment of liability executed by the first and second defendants on 21 June 2021. The defendants filed a notice of intention to defend, whereafter the plaintiff filed a declaration. The plaintiff’s case is based on the written acknowledgment of liability. [2] The defendants deny concluding and signing an acknowledgment of liability agreement. They acknowledge that a credit facility was afforded to them by the plaintiff and claim that the plaintiff had not assessed the first defendant’s financial situation and affordability prior to affording the first defendant a credit facility. [3] Counsel for the plaintiff submitted that the court should disregard what it coined a bare denial. If regard is had to the facta probanda contained in the summons, it is difficult to grasp how the defendants should have phrased their plea other than denying that they signed any acknowledgment of liability. [4] It is trite that the onus of proving the existence of a contract, the acknowledgment of liability agreement, rests on the person who alleges that the contract exists. [1] By denying that the acknowledgment of liability agreement was concluded or signed by the second defendant, the defendants raise a justiciable issue and avert summary judgment being granted against it. ORDER In the result, the following order is granted: 1. The application for summary judgment is dismissed with costs on scale B. E van der Schyff Judge of the High Court Delivered:  This judgment is handed down electronically by uploading it to the electronic file of this matter on CaseLines. For the plaintiff: Adv. R van Dyk Instructed by: Schȕler Heerschop Pienaar Xaba Inc. For the defendants: Adv. K. Randall Instructed by: ZAF Khan Date of the hearing: 4 March 2025 Date of judgment: 10 March 2025 [1] [1] Union Spinning Mills (Pty) Ltd v Paltex Dye House (Pty) Ltd and Another 2002 (4) SA 408 (SCA) at para [6]. sino noindex make_database footer start

Similar Cases

First Rand Bank Limited v Baloyi and Others (096078/2023) [2025] ZAGPPHC 810 (31 July 2025)
[2025] ZAGPPHC 810High Court of South Africa (Gauteng Division, Pretoria)100% similar
First Rand Bank Limited v Engelbrecht and Another (010183/2022) [2025] ZAGPPHC 250 (2 March 2025)
[2025] ZAGPPHC 250High Court of South Africa (Gauteng Division, Pretoria)100% similar
First Rand Bank Limited v Cilliers and Another (24/040313) [2025] ZAGPPHC 598 (3 June 2025)
[2025] ZAGPPHC 598High Court of South Africa (Gauteng Division, Pretoria)100% similar
First Rand Bank Limited v Bila and Another (24283/2017) [2024] ZAGPPHC 1393 (19 December 2024)
[2024] ZAGPPHC 1393High Court of South Africa (Gauteng Division, Pretoria)100% similar
First Rand Bank Ltd v Ndamase and Another (024968/24) [2024] ZAGPPHC 1133 (12 November 2024)
[2024] ZAGPPHC 1133High Court of South Africa (Gauteng Division, Pretoria)99% similar

Discussion