Mukeya v Credit Bank PLC (Cause E583 of 2023) [2024] KEELRC 587 (KLR)

9. This notice prompted the Claimant to lodge an Application under Certificate of Urgency, seeking protection of the Court, through orders of temporary injunction. 10. The Application, dated 24th July 2023, is the subject matter of this Ruling. His prayers are: a. The Respondent is restrained from altering the preferential rate of interest, into a commercial rate. b. The Respondent is restrained from selling or taking other adverse actions against the Claimant’s property [security] Kajiado / Kitengela/39259 and Kajiado/ KaputeiNorth /50036/. c. The Respondent is restrained from harassing or victimising the Claimant, in particular, from listing the Claimant with Credit Reference Bureau with respect to the loan facility. d. The Respondent to zero rate the loan facilities pending hearing and determination of the Claim. e. The Respondent is restrained from giving feedback to Claimant’s potential Employers, who might seek reference from Respondent. 11. The Application is based on the grounds stated in the face of the Notice of Motion, and on Afidavit of the Claimant, sworn on 24th July 2023. 12. It is opposed through the Replying Afidavit of Wainaina Francis Ngaruiya, Respondent’s Head of Legal, Human Resources and Industrial Relations, sworn on 4th August 2023. 13. It is opposed further through the Grounds of Opposition filed by the Respondent, dated 4th August 2023. 14. The Respondent restates at length in these Grounds, the contents of the Statement of Response, underscoring that termination was founded on valid ground, and fairly executed. 15. It is explained that the Respondent has not issued the Claimant a statutory notice under the Land Act 2012; it only issued a demand calling on the Claimant to regularize his loan account. 16. The Respondent has the right to realize any securities it holds, in accordance with the security agreements and the Land Act 2012, in event there is default. The Respondent cannot be legally restrained, from exercising its right of sale. Where there is default, the Respondent has the right to list the Claimant with the Credit Reference Bureau. The Claimant authorized the Respondent to share his information with potential Employers, and with the Credit Reference Bureau, if need be. 17. The interest rate had not changed at the time of filing of the Application. The loan policy provided the Claimant with a moratorium of 6 months from the date of termination. He had adequate time to pay ofi the loan, before the interest rate could be altered. 18. Parties agreed to have the Application considered and determined, based on their Afidavits and Submissions, the latter which were confirmed to have been filed and exchanged at the last mention, on 7th December 2023. The Court Finds: 19. The only document the Claimant relies on, in support of his Application for the wide-ranging orders of temporary injunction, is the demand letter issued by the Respondent, dated 13th July 2023. https://new.kenyalaw.org/akn/ke/judgment/keelrc/2024/587/eng@2024-03-15 2

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20. The demand letter does not mention conversion of the preferential interest rate, into a commercial one; it does not mention sale of the Claimant’s Kajiado properties in recovery of loan arrears; and, there is no mention of the Respondent’s intention to list the Claimant with the Credit Reference Bureau. 21. The other two orders are similarly sought in an evidential vacuum. There is no evidence that the Respondent has engaged any of the Claimant’s potential Employers in any form of communication, regarding the Claimant’s employment record. He has not named any potential Employer he was in contact with, who was likely to refrain from recruiting him, on account of adverse reference from the Respondent. The prayer on zero rating of the loan facilities, was not articulated by the Claimant. What does he mean by zero rating? Where is zero rating in his loan agreement? 22. Temporary injunctions are meant to preserve the status quo, pending hearing and determination of the main Claim. They must be shown, to be related to the final orders. It must be shown that if the temporary orders are not issued, the substratum of the dispute will be adversely afiected, in a fundamental way. The Court is not persuaded that the Claimant has established linkage, between the provisional measures sought, and the final orders. 23. The final orders sought, are: declaration that termination was unfair and unlawful; reinstatement; severance pay; damages; certificate of service; costs; and interest. How is reference to the Credit Reference Bureau or zero rating, for instance, related to these substantive prayers? The Claimant appears to have disparate causes of action against the Respondent, which he has attempted to compress in his Notice of Motion, making it in the end very dificult, to establish a prima facie case, warranting orders of temporary injunction. It is ordered: a. The Application filed by the Claimant, dated 24th July 2023 is declined. b. No order on the costs. DATED, SIGNED AND RELEASED TO THE PARTIES ELECTRONICALLY AT NAIROBI, UNDER PRACTICE DIRECTION 6[2] OF THE ELECTRONIC CASE MANAGEMENT PRACTICE DIRECTIONS, 2020, THIS 15TH DAY OF MARCH 2024. JAMES RIKA JUDGE https://new.kenyalaw.org/akn/ke/judgment/keelrc/2024/587/eng@2024-03-15 3

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