Alpha International Investment Ltd v Senyonga Steven (Civil Suit No. 111 of 2001) [2002] UGCommC 11 (3 July 2002)

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\msmallFrac0\mdispDef1\mlMargin0\mrMargin0\mdefJc1\mwrapIndent1440\mintLim0\mnaryLim1}{\info{\title THE REPUBLIC OF UGANDA }{\author Administrator}{\operator skivumbi}{\creatim\yr2010\mo3\dy12\hr10\min53}{\revtim\yr2010\mo5\dy31\hr11\min25}{\version6} {\edmins14}{\nofpages6}{\nofwords1892}{\nofchars8879}{\nofcharsws10750}{\vern32859}}{\*\xmlnstbl {\xmlns1 http://schemas.microsoft.com/office/word/2003/wordml}}\paperw12240\paperh15840\margl1440\margr1440\margt1440\margb1440\gutter0\ltrsect \widowctrl\ftnbj\aenddoc\trackmoves1\trackformatting1\donotembedsysfont0\relyonvml0\donotembedlingdata1\grfdocevents0\validatexml0\showplaceholdtext0\ignoremixedcontent0\saveinvalidxml0\showxmlerrors0\noxlattoyen \expshrtn\noultrlspc\dntblnsbdb\nospaceforul\formshade\horzdoc\dgmargin\dghspace180\dgvspace180\dghorigin1440\dgvorigin1440\dghshow1\dgvshow1 \jexpand\viewkind1\viewscale100\pgbrdrhead\pgbrdrfoot\splytwnine\ftnlytwnine\htmautsp\nolnhtadjtbl\useltbaln\alntblind\lytcalctblwd\lyttblrtgr\lnbrkrule\nobrkwrptbl\snaptogridincell\allowfieldendsel\wrppunct \asianbrkrule\rsidroot14236708\newtblstyruls\nogrowautofit \fet0{\*\wgrffmtfilter 2450}\ilfomacatclnup0\ltrpar \sectd \ltrsect\linex0\endnhere\sectlinegrid360\sectdefaultcl\sectrsid9634260\sftnbj {\*\pnseclvl1\pnucrm\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl2\pnucltr\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl3\pndec\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl4\pnlcltr\pnstart1\pnindent720\pnhang {\pntxta )}}{\*\pnseclvl5\pndec\pnstart1\pnindent720\pnhang {\pntxtb (} {\pntxta )}}{\*\pnseclvl6\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl7\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl8\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl9 \pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}\pard\plain \ltrpar\s15\qc \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid15798222 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid14236708\charrsid15798222 THE REPUBLIC OF UGANDA \line IN THE HIGH COURT OF UGANDA AT }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid15798222\charrsid15798222 KAMPALA \line (COMMERCIAL DIVISION) \par CIVIL SUIT NO. 111 OF 2001 \par ALPHA INTERNATIONAL INVESTMENT LTD:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid14236708\charrsid15798222 :::::::::::::}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid15798222 :::::::}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid14236708\charrsid15798222 :::::::::::::: } {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid14236708\charrsid15798222 PLAIN1IFF \line VERSUS \line SENYONGA }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid14236708\charrsid15798222 STEVEN ::::::::::::::::::::::}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid15798222 ::::::::::::::::::::::::::::::::::::::}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid14236708\charrsid15798222 ::::::: }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid15798222 DEFENDANT \par }\pard \ltrpar\s15\ql \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid15798222 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid14236708\charrsid15798222 BEFORE: }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ul\insrsid14236708\charrsid15798222 THE HON. LADY JUSTICE M. S. ARACH }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\ul\insrsid14236708\charrsid15798222 \emdash }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ul\insrsid15798222\charrsid15798222 AMOKO

\par }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ul\insrsid14236708\charrsid15798222 RULING:}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid15798222\charrsid15798222 \par }\pard \ltrpar\s15\qj \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid15798222 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 The Plaintiff is a money lender, and the Defendant is a businessman. On the 12th April 1999, the Plaintiff extended to the Defendant, a loan of Shs.3m. The loan attracted interest of 24% p.a; and it was payable within one month. The Defendant deposited his motor vehicle Registered No. 366 UCR as security. He failed to repay the loan within the agreed time, and on May 14th, 1999, he wrote to the Plaintiff an d informed the Plaintiff about the difficulties he had encountered in his business. He requested for a one month extension, or in the alternative, he authorized the Plaintiff to find a buyer for the motor vehicle, so that the proceeds could be used to sett le the loan. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15798222 \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 The Plaintiff says it sold the vehicle in December 1999 for Shs.2.5m. The Plaintiff alleges that the money realized did not cover the full indebtedness, that there is still an outstanding balance of Shs.3}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15798222\charrsid15798222 , 980,000}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15798222 which it claims by this suit. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 When the suit came up for hearing on the 18/4/2002, Mr. Othieno Brian raised a preliminary obj}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15798222 ection to the suit as follows: \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 Finally, that the suit is barred by section 20 of the Money Lenders Act, (Cap 264) which limits the time for recovery of money b y a money lender to 12 months from the date on which the cause of action arose. The money in question was to be paid on 12/5/99}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15798222 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 This suit was filed on 24/7/2001, more than 12 months from the date on which the cause of action arose. The suit was therefore filed out of time, and should be rejected under 0 7 rule 11 (d) of the CPR With costs. \line Secondly, Mr. Othieno\rquote s contended that the transaction is void and unenforceable, because the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15798222\charrsid15798222 lawyer,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 who drew the agreement, annexed to the original plaint as \lquote A\rquote Mr. Hodge Semakula had no practicing certificate when he drew it. Such a document is a nullity, according to decided cases like }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid15798222 Professor Huq}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid14236708\charrsid15798222 \emdash Vs- Islamic University }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 Under section 7 of the Money Lenders Act, if there is no note or memorandum in writing containing all the terms of the contract, t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15798222 hat a contract is enforceable. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 The same section also provides that no security in such a contract shall also be enforceable. It was Mr. Othieno\rquote s prayer therefore, that if the Court finds that the objections raised are valid, and especially that the money lending transaction is void, then the Court should go a step further by ordering the return }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900 of the security to his client. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 Mr. Kabega opposed the preliminary objection strongly; and prayed that it should be dismissed with costs. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900 \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 Starting with the second point of objection, Mr. Kabega submitted that, even if the note from the Registrar showed that Mr. Semakula had no practicing certificate when he drew the loan agreement, agreement is not the only document relied on by the Plaintiff to support its case. There are other documents such as the loan application letter and form plus the letter from the Defendant. The documents are sufficient under section 7 of the Money Lenders Act, even if the Court were to hold that the lo an agreement is invalid. Mr. Kabega also contended that the vehicle was sold in compliance with the wishes of the Defendant as well as S.7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900 (1) of the Money Lenders Act. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 Regarding the first ground of objection, Mr. Kabega that after the Defendant had given the Plaintiff permission to sell the vehicle, the Plaintiff did not get a buyer until March 30th }{ \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900\charrsid15798222 2000 that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 is when the time began to run against the Pl}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5331856 aintiff. The suit is therefore }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 not time barred.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900 \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 Mr. Othieno reiterated his earlier position in his reply. He contended that the time began to run on the 12/5/99 when the loan was }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900\charrsid15798222 payable}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 and not 30/3/2000 when the security was sold. In any case, the Defendant was not a party to that sale. On the annextures to the plaint, Mr. Othieno submitted that they do not amount to a memorandum or note required by section 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900 (2) of the Money Lenders Act. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 I have carefully considered the points of objection and the reply by }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900\charrsid15798222 Mr.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 Kabega. I have also read the law and the aut}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900 horities cited by Mr. Othieno. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 Regarding the first point of objection, I agree with Mr. Othieno that this suit was filed \line out of time. Section 20 of the Mo}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900 ney Lenders Act provides that: \par }\pard \ltrpar\s15\qj \li720\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\ipgp1\pararsid14817900 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900 \'93}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14236708\charrsid15798222 20 (1) No proceedings shall lie for the rec}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14817900 overy by a money lender of any }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14236708\charrsid15798222 money lent by him after the commencement of th is Act or of any interest in respect thereof, or for the enforcement of any agreement made or security taken after the commencement of this Act in respect of any loan made by him, unless the proceedings are commenced before the expiration of twelve months from the date on which the cause of action occurred\'94 }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14817900 \par }\pard \ltrpar\s15\qj \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid15798222 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 It is not in dispute that the Defendant applied for and was granted the loan by the Plaintiff on the 12/4/1999. The Defendant does not also deny that he was to pay the loan within one }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900\charrsid15798222 month that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 is by 12/5/1999. This is shown in Annexture \lquote A\rquote to the Amended plaint. Annexture \lquote B\rquote to the amended plaint is a letter dated May 1999 from the Defendant to the Plaintiff apologizing for being unable to repay the loan within the agreed time due to some constraints in his business. The letter also requests for \'93another }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid14817900\charrsid15798222 period}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid14236708\charrsid15798222 of one month\'94 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 within which to pay. It goes on to give the Plaintiff another option to find a buyer for the car so that the money realiz}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900 ed is used to settle the debt. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 It is clear from the foreg oing, therefore, that the cause of action accrued in May 1999, after the Defendant had failed to pay. The cause of action did not accrue in March 2000 after the sale of the vehicle. The suit was filed on 1/3/2001. This was more than the 12 months provided under section 20 of the Money Lenders Act. There has been no argument that the proviso to S.20 applying to his case. I }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900 am also of the opinion that }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 the proviso does not apply to the facts of the case before me. The first point of objection therefore succeeds and I would dismiss }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900 this suit on that point alone. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 Regarding the second objection, again it is not disputed that the lawyer who drew the loan agreement had no practicing certificate at that time. The letter from the Attorney General Chief Registrar date d 4/6/2001 is to the effect that Mr. Hodge Semakula was licenced to practice law for the year ending 1999 on the 20th May, 1999. The loan agreement was drawn on 14/4/1999 before he renewed his practicing certificate. Such a document is a nullity, accordin g }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900 to decided cases such as Prof. H}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 ingh \emdash Vs- Islamic University cited by Mr. Othieno. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900

\par }\pard \ltrpar\s15\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid14817900 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 S. 7 of the Money Lenders Act provides no money lenders contract shall be enforceable \line if there is no note or memorandum in writing containing all the terms of the contract, \line and in particular }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900 \emdash \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 - the da}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900 te on which the loan was made. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 - the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900 principal and \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 - }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900 the interest charged. \par \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 Mr. Othieno submitted that in the absence of a valid loan agreement, there was no note or memorandum as required by S.7. Mr. Kabega on the other hand maintained that the Plaintiff is not relying on the loan agreement alone, but on the other documents annexed to the amended plaint which, in his view, are sufficient for the purposes of S.7 of the Act. He singled out in particular, Annexture \lquote A\rquote \emdash the loan application letter and the Loan Application. Form. Section 7 of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900 the Act provides: \par \'937}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14817900 (1}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14236708\charrsid15798222 ). No contract for the repayment by a borrower of money lent to him or to any agent on his behalf by a money lender or for the repayment by him of interest on mon ey so lent, and no security given by the borrower or by any such agent as aforesaid in respect of any such contract shall be enforceable }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\ul\insrsid14236708\charrsid15798222 unless }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14236708\charrsid15798222 a note or memorandum }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\ul\insrsid14236708\charrsid15798222 in writing of the contra}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\ul\insrsid14817900 ct is made and signed personally}{ \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\ul\insrsid14236708\charrsid15798222 by the }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\ul\insrsid14817900\charrsid15798222 borrower}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\ul\insrsid14236708\charrsid15798222 }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14236708\charrsid15798222 within 7 days of the making of the contract; and no such contract or }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\ul\insrsid14236708\charrsid15798222 security shall be enforceable if it is proved that the note or memorandum aforesaid was not signed by the }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14236708\charrsid15798222 borrower before the money was lent or before the security }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14817900 was given, as the case may be. \par \par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14236708\charrsid15798222 2. The note or memorandum aforesaid shall contain }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\ul\insrsid14817900 all t}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\ul\insrsid14236708\charrsid15798222 he terms of the }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\ul\insrsid14817900\charrsid15798222 contract}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\ul\insrsid14236708\charrsid15798222 }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14236708\charrsid15798222 and in particular, shall show the date on which the loan is made, the amount of the principal of the loan, and either the interest charged on the loan expressed in terms of a rate per centum per annum, or the rate per centum per annum }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14817900\charrsid15798222 presented}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14236708\charrsid15798222 by the interest charged as calculated in accordance with the provisions of the schedule to this Act\'94 }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14817900 \par \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 I have perused the two annextures carefully. The first part Annexture \lquote A\rquote is a letter dated 12/4/99 from th}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14817900 e Defendant. It is as follows: \par \par }\pard \ltrpar\s15\qj \li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\ipgp1\pararsid13263759 {\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14236708\charrsid15798222 \'93}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14817900 RE: APPLICATION FOR A LOAN \par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14236708\charrsid15798222 I would like to obtain a loan from your establishment }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14817900 of Ug. Shs.3,000,000- (three mil}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14236708\charrsid15798222 lion only, for a period of one month. I will be willing to give my motor vehicle VW Go/f }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14817900 GTI as security for this loan. \par \par The R}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14236708\charrsid15798222 eg. No. of the car is 366 UCR. I will also furnish you with other relevant documents that may be required for }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid13263759 the facilitation of this loan. \par \par That you \par Sirs, \par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14236708\charrsid15798222 Yrs faithfully }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid13263759 \par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14236708\charrsid15798222 Stephen Senyonga. }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid13263759 \par }\pard \ltrpar\s15\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid13263759 {\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid13263759 \par }\pard \ltrpar\s15\ql \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid13263759 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 The second part of annexture \lquote A\rquote is a LOAN APPLICATION FORM of the Plaintiff. It \line contains the: \line - Name. \line - Business address and location. \line - Residential address. \line - Residential Telephone. \line - }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid14236708\charrsid15798222 Amount required }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 \emdash Shs.3m. \line - Purpose of loan. \line - Repayment period. \line - Security. \line - Signature of Applicant. \line - Date \emdash 12/4/99. \line - Offic}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13263759 ial comments. \line - Approval etc. \par }\pard \ltrpar\s15\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid13263759 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13263759 \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 This form was filed and signed by the Defendant; and it was approved and signed by the Plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13263759 \rquote s Director with the comments: \par }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid14236708\charrsid15798222 \'93After inspection we have agreed to give Shs. 3m for 4 weeks with no grace period.\'94 }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid13263759 \par \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 Even in the absence of the loan agreement, which I have declared invalid, I find that the two documents referred to in Annexture \lquote A\rquote are delequate as notes or memorandum for purposes of S.7 of the Act. They were signed by the Defendant, who is the borrower before he took out the loan. They contain the principal amount and the rest of the terms of the contract. For this reason, I disallow the second leg of objection. The question of returning the security to Mr. }{ \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13263759\charrsid15798222 Senyonga}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 does not therefore arise. There is a memorandum in support of the loan signed by the Defendant, the security deposited by Mr. Senyonga is therefore enforceable; and cannot be returned. \line In the result, this suit stands dismissed with costs to the Defendant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13263759 as it is time barred. \par \par }\pard \ltrpar\s15\ql \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid13263759 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 M. S. Arach \emdash Amoko \line }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid14236708\charrsid15798222 JUDGE \line }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13263759 4/7/2002 \par \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid14236708\charrsid15798222 Ruling delivered in the presence of: }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 \line 1. Mr. Miriam Magalla for Mr. Kabega for the Plaintiff. \line 2. Mr. Othieno Brian for the Defendant. \line 3. Defen}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13263759 dant. \line 4. Okuni \emdash Court clerk. \par \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14236708\charrsid15798222 M. S. 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