GroupHeadnote and flynoteCases considered: Marcus Kampumba Achiume (S.C.Z. Judgment No. 2 of 1983) [1983] ZMSC 2 (4 January 1983);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); Download https://old.zambialii.org/zm/judgment/2020/2019-hpc-0463-first-national-bank-zambia-ltd-vs-spectrum-industries-grace-w-chipampe_0.pdf