This is an appeal against the judgment of the Court of Appeal Holden in Abuja, in appeal No. CA/A/184/2003 delivered on the 16th day of January, 2007 in which the Court dismissed the appeal by the appellants against the decision of the High Court of the Federal Capital Territory, Abuja in suit No.FCT/HC/CV/234/2012 delivered on the 29th day of January, 2003.

The action was commenced under the undefended list procedure in which the present respondents claimed against the appellants as follows:

'Whereas the plaintiffs claim from the defendants jointly and severally the sum of three million six hundred and fifty-five thousand naira plus 21% interest from January 2002 to date of judgment and thereafter same rate until judgment sum is finally liquidated.

The respondents filed an affidavit of eleven (11) paragraphs in support of the writ of summons which it was deposed that the amount of indebtedness arose from an outstanding friendly loan of three million naira and various other sums of money collected by the defendants/appellants. Exhibited to the affidavit in support are Exhibits A and B being a cheque for a sum of N3,000,000.00 and a letter of demand respectively.

The processes were duly served on the appellants who filed a notice of intention to defend and a 40 (forty) paragraphed affidavit of defence. On the return date the learned trial judge heard from Counsel to the parties and in a ruling delivered on the 29th day of January, 2003 held that appellants had not disclosed sufficient defence on the merit to make the Court send the suit for hearing under the General Cause List. The Court relied on Exhibit A the cheque as evidence of the transaction between the parties in giving judgment in favour of the respondents. The claim for interest was however refused by the Court.

As stated earlier in this judgment, appellants were dissatisfied with the said judgment and consequently appealed to the lower Court which appeal was dismissed resulting in the instant further appeal.

The Court below has specifically found that the appellants gave no satisfactory explanation as to why the 3rd Appellant issued the cheque, Exhibit A. A cheque is not an ordinary business card. In his book: Law and Practice of Banking, J. Milnes Holden defines a cheque as, "an unconditional order in writing addressed by one person to another, who must be a banker signed by the person giving it, requiring the banker to pay on demand a sum certain in money to or to the order of a specified person or to bearer ". See also Black's Law Dictionary 9th Edition.