First National Bank sued Avtjoglou on a written acknowledgment of debt for R310 000, signed by him, and sought provisional sentence. The document provided for instalment payments and an acceleration clause on default. Avtjoglou made no payments. In opposing provisional sentence, he did not deny signing the document or his non-payment, but attacked the document’s liquidity and relied on an alleged variation agreement excusing performance. The court of first instance granted provisional sentence, and an appeal to the court a quo failed. Avtjoglou then appealed to the Supreme Court of Appeal with leave.