<a href="findrulings.php?searchval=KANYOKE&judgementtype=Presiding Judge"  class=judge>KANYOKE  J.A.</a>:  The facts of this case are as follows:  The plaintiffs/Respondents (herein after referred to as the Respondents) extended a short term credit facility to a company named Messers Allied Trades and Finance(ATF) which was secured by an Agreement of the property known as plot No. 64A Airport Residential Area, Accra, owned by the 2nd co-defendant/Appellant.  A.T.F defaulted on the loan and the Respondents attempted to realize the collateral whereupon the co-defendants/Appellants (herein thereafter referred to as the appellants). 