Dear Christine Wahome, Company Secretary & Mr Sam Kimani, CEO - Jamii Bora Kenya Limited 

  1. On 17 July 2018, I acquired a credit report from Metropol Credit Reference Bureau that indicated I had defaulted on a loan from the Jamii Bora Kenya Limited.
  2. I was a member of a group of 5 members we branded NGAO. The members of the NGAO group were: Rosemary Ndunge Malonza, Florence Nthenya, Irene Mbonge, Cynthia Makau, and Nzilani Mulati. 
  3. The NGAO members of the group opened accounts with the Jamii Bora Kenya Limited. 
  4. I took a first loan that was guaranteed by the members of the NGAO group. I paid the loan as contractually required. 
  5. Since it was a requirement by the Jamii Bora Kenya Limited for group members to take loans from Jamii Bora Kenya Limited, all NGAO group member took loans from Jamii Bora Kenya Limited. 
  6. A NGAO group member Cynthia Makau wanted to travel out of the country and we decided to close our accounts. 
  7. I repaid my loan in full.
  8. All other NGAO group members repaid their loans in full. 
  9. As a group, the  NGAO group members went the Jamii Bora Kenya Limited, Koinange Street branch and closed our accounts as required by Jamii Bora Kenya Limited agents. 
  10. Cynthia Makau proceeded to travel out of the country. 
  11. When I discovered that Jamii Bora Kenya Limited had entered me to the credit reference data base I have on multiple occasions visited the Jamii Bora Kenya Limited, Koinange Street branch in an attempt to get more information about the alleged default. 
  12. Jamii Bora Kenya Limited has never corresponded with me by postal mail, email, telephone text message, or by telephone calls to communicate that I had any unpaid loan balance on my loan account. This is the reason why the entry of the loan as a defaulted loan into the credit database is fraudulent, malicious, and defamatory. 
  13. I requested for a loan statement in an email dated 4 October 2018 addressed to a Jamii Bora Kenya Limited agent Mr. Benedict Onyango. 
  14. Benedict Onyango in an email dated  5 October 2018 which was also copied to Christine Wahome <This email address is being protected from spambots. You need JavaScript enabled to view it.> and Cecilia Njuguna <This email address is being protected from spambots. You need JavaScript enabled to view it.> advised me "... to activate the account ... " so that he can be able to "... generate the account statement as your account is currently dormant." 
  15. I am not interested in reactivating my allegedly dormant account with Jamii Bora Kenya Limited. 
  16. I believe the Jamii Bora Kenya Limited does not have records and entered me as a defaulter into the credit reference database erroneously. 
  17. I request that you provide me with a verifiable statement of my account from the date the account was opened. 
  18. I request that you provide me with any correspondence Jamii Bora Kenya Limited may have sent to me demanding the payment of the alleged liability prior to your fraudulent entry of my name to the credit reference database. 
  19. I request that you provide me with a dispute resolution procedure of the Jamii Bora Kenya Limited. 
  20. I request correspondence within 14 days of your action as Company Secretary, Jamii Bora Kenya Limited to resolve or escalate the matter. 
  21. The members of the NGAO group namely Florence Nthenya, Irene Mbonge, Cynthia Makau, and Nzilani Mulati have also entered into the credit reference database a similar manner.

Rosemary Ndunge

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