REPUBLIC v. HIGH COURT, ACCRA; EX PARTE CHINTO     Mortgages—Judicial sale—Proper person to sue—Mortgagor using property to secure bank loan to defendant, a third party—Default in repayment by defendant—Options available to bank to realise security—Mortgagor retaining equity of redemption in mortgaged property—Whether mortgagor necessary party to action for judicial sale of mortgaged property—Whether order for judicial sale of mortgaged property obtained by bank in originating summons against defendant only valid—Mortgages Decree, 1972 (NRCD 96), ss. 15 and 18.