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SAFLII Note: Certain personal/private details of parties or witnesses have been redacted from this document
in compliance with the law and SAFLII Policy
REPUBLIC OF SOUTH AFRICA
IN THE HIGH COURT OF SOUTH AFRICA
GAUTENG LOCAL DIVISION, JOHANNESBURG
CASE NO : 2022- 003646
(1) REPORTABLE: NO
(2) OF INTEREST TO OTHER JUDGES: NO
(3) REVISED:
In the matter between:
ABSA BANK (PTY) LTD Plaintiff
And
SETOIL (PTY) LTD First Defendant
(REG. NO. 2004/020592/07)
CASTRO: EDUARDO PEREGRINO Second Defendant
(ID NO: 5 […])
DLAMINI: NONCEDO Third Defendant
(ID NO: 8 […])
MAKHONGELA: HAPPY STEVEN Fourth Defendant
(ID NO. 7 […])
NTOMBELA: ZONKE CHARITY Fifth Defendant
(ID NO. 7 […])
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THAELE: LERATO CONFIDENCE Sixth Defendant
(ID NO. 8 […])
JUDGMENT
DREYER AJ :
[1] On or about 9 June 2022 the Plaintiff instituted action against the Defendants
whereby seeking judgment for:
1.1 Payment of the amount of R 2 147 348.94;
1.2 Interest on the said amount at the rate of 7.75% per annum, capitalized
monthly from 31 May 2022 to date of payment, both days inclusive; and 1.3 Costs on the attorney client scale.
[2] The Third to Sixth Defendants served their Plea on or about 19 February
2024.
[3] On or about 1 March 2024 the Plaintiff launched an application for summary
judgment against the Third to Sixth Defendants.
[4] The Fifth Defendant served an Opposing Affidavit on or about 14 May 2024.
The Third, Fourth and Sixth Defendants did not deliver any Opposing Affidavit.
[5] The defences raised in the Plea by the Third to Sixth Defendants are the
following:
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5.1 The Plaintiff did not comply with clause 11 of Annexures “A9” and
“A10” annexed to the Particulars of Claim, and the Plaintiff therefor e issued
Summons prematurely.
5.2 The Third to Sixth Defendants were pressured into signing as surety.
[6] These defences are also raised by the Fifth Defendant in her Opposing
Affidavit.
[7] Annexures “A9” and “A10” to the Particulars of Claim is a
Suretyship/Guarantee Agreement (“the suretyship”).
[8] The suretyship was signed by the Third to Sixth Defendants on the following
dates:
8.1 Third Defendant – 14 August 2017;
8.2 Fourth Defendant – 15 November 2018;
8.3 Fifth Defendant – 15 June 2015; and
7.4 Sixth Defendant – 15 June 2015.
[9] Clause 11 of the suretyship provides, inter alia , the following:
“11.1 If I/we fail to pay any amount that I/we need to pay to the bank at the
date at which this amount becomes payable, the bank may:
11.1.1 give me/us a written notice of this failure to pay and may propose that
I/we refer this suretyship to a debt counsellor, alternative dispute resolution agent, consumer court or ombud with jurisdiction. The aim of this referral is that the bank and I/we resolve any dispute under this suretyship and develop and agree on a plan to bring any outstanding payments up to date;”
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[10] Only the suretyship of the Fifth and Sixth Defendants contains clause 11. The
suretyship of the Third and Fourth Defendants does not contain a similar clause and
therefore the Third and Fourth Defendants cannot rely on clause 11 as a defence.
[11] The Third and Sixth Defendants seems to rely on duress as a defence.
[12] A party relying on duress must allege and prove the following elements :
12.1 a threat of considerable evil;
12.2 that the fear was reasonable;
12.3 that the threat was of an imminent or inevitable evil and induced fear;
12.4 that the threat was unlawful or contra bonos mores ;
12.5 that the contract was concluded because of the duress.
(See Arend and Another v Astra Furnishers (Pty) Ltd 1974 (1) SA 298 (C) at
p. 306 and BOE Bank Bpk v Van Zyl 2002 (5) SA 165 (C) at par. 36)
[13] In terms of Rule 32(3)(b) of the Uniform Rules of Court the defendant may
satisfy the court by affidavit that the defendant has a bona fide defence to the action;
such affidavit shall disclose fully the nature and grounds of the defence and the
material facts relied upon therefor.
[14] The test as to what is required from a defendant in summary judgment
proceedings is: has the defendant disclosed a bona fide (i.e. an apparently genuinely
advanced, as distinct from sham) defence? (See Tumileng Trading CC v National
Security and Fire (Pty) Ltd 2020 (6) SA 624 (WCC) at par. 13 and 24)
[15] The Court enquires into the following:
15.1 whether the plaintiff has a valid claim;
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15.2 whether the defendant has fully disclosed the nature and grounds of
his / her defence and the material facts relied upon which it is founded;
15.3 whether the ostensible defence that has been pleaded is bona fide or
not (See Tumileng Trading CC above at par. 40).
[16] On a reading of clause 11 it is evident that the wording is discretionary and
not peremptory. In terms of clause 11 the Plaintiff may give written notice of the failure to pay to the surety, but the Plaintiff is not obliged to do so. Had clause 11 provided that the Plaintiff shall give written notice of the failure to pay to the surety, the Plaintiff would have been obliged to do so.
[17] The elements of duress as set out in paragraphs 12.1 to 12.5 above is not
alleged by the Third to Sixth Defendants in their Plea.
[18] The Opposing Affidavit of the Fifth Defendant also does not contain any of the
said elements of duress, nor does it set out the material facts relied upon so as to
establish a defence of duress.
[19] In the circumstances it cannot be said that the Third to Sixth Defendants
disclosed a bona fide defence.
[20] The Plaintiff seeks costs on the attorney and client scale. At the hearing of the
matter Counsel for the Plaintiff was requested to refer the Court to the specific clause in the suretyship which provides for costs to be awarded on the attorney and client scale. Counsel conceded that the suretyship does not provide for attorney and client costs. Counsel therefore requested costs to be party and party costs on scale B.
[21] I therefore make the following order:
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1. Summary judgment is granted against the Third to Sixth Defendants
jointly and severally for payment of the amount of R2 147 348.94, the one
paying the other to be absolved.
2. Interest on the amount of R2 147 348.94 at the rate of 7.75% per
annum, capitalized monthly from 31 May 2022 to date of payment, both days inclusive .
3. Costs of suit on the party and party scale, scale B.
E DREYER
ACTING JUDGE OF THE HIGH COURT
GAUTENG LOCAL DIVISION, JOHANNESBURG
This judgment was handed down electronically by circulation to the parties’ legal representatives by email and by being uploaded to CaseLines. The date for hand down is deemed to be 10 June 2025.
Appearances:
Appearance for Plaintiff : Adv. JJ Durandt
Instructed by: Jay Mothobi Incorporated
Appearance for Defendant: Adv. CS Baloyi
Instructed by: Ndzondo Kunene Mosea Inc.
Date of hearing: 4 June 2025
Date of Judgment: 10 June 2025