GroupHeadnote and flynoteCases considered: Mususu Kalenga Building Limited and Another v Richmans Money Lenders Enterprises (S.C.Z. Judgment No. 4 of 1999) [1999] ZMSC 5 (14 March 1999);Crossland Mutina & Another v Chipanda (Appeal No. 40/2016) [2018] ZMSC 367 (7 December 2018);Shreeji Investments Limited v Zambia National Commercial Bank Plc (Appeal No. 143/2009) [2015] ZMSC 4 (20 January 2015);In Re: Avondale Housing Project Limited (S.C.Z. Judgment No.31 of 1982) [1982] ZMSC 21 (14 December 1982);Mohamed v Attorney-General (S.C.Z. Judgment No. 26 of 1982) [1982] ZMSC 17 (22 September 1982);Nawa v Standard Chartered Bank Zambia PLC (SCZ 1 2011) [2011] ZMSC 4 (13 January 2011); Download https://old.zambialii.org/zm/judgment/2020//2018-hpa-039universal-mining-and-chemical-vs-gilbert-muthiya-and-36-others-30-06-2020justice-md-bowa.pdf