Elizabeth Kemei T/A E. J Kemei & Company. Advocates Applicant v Africa Merchant Assurance Co. Ltd

Kshs 90,405/= plus the accrual interests pending the inter parties hearing and disposal of the application. 2. 3. c. All monies accruing and payable by the Garnishee Safaricom PLC to the Respondent/ judgement debtor in respect of all savings, fixed and current account/till in particular M-PESA Till No. 67xxx and 41xxx as operating account held by Respondent/judgment debtor with the Garnishee is hereby attached and be paid to the Applicant/decree holder's advocate through bank account No. 00xxx Diamond trust Bank ltd Machakos branch to satisfy the decree herein in the sum of Kshs 90,405/=. d. Costs of this application be provided for. Which application is based on grounds that:a. The Applicant/decree holder is owed Kshs 90,405/= by the Respondent/judgement debtor as at 7th August 2025 being the decretal sum which continues to accrue interest. b. The Respondent/judgement debtor has failed, refused and/or ignored to satisfy the Honourable Court's decree. c. The Respondent/judgement debtor holds an account with the Garnishee in particular MPESA Till Numbers 67xxx and 41xxx from which the decree can be satisfied. d. It is just, fair and expedient that the application be allowed. The application is supported by the affidavit of Rachel Rotich who deponed as follows: a. That I am an Advocate of the High Court of Kenya practicing in the firm of M/S E. Kemei & Company Advocates hence competent to swear this affidavit. b. That the Honourable Court entered judgement in this matter in our favor as against the Respondent/judgement debtor. c. That to date the outstanding decretal sum is Kshs 90,405/= plus accrued interest and which sum continues to accrue interest at Court rates. d. That to date the Respondent/judgement debtor has refused and/or ignored to satisfy the judgement/decree. e. That I am informed by my Advocate and it is also within my knowledge that the Respondent/ Judgement Debtor holds and operates a monetary account in particular Till Number 67xxx and 41xxx working account with the Garnishee which has sufficient funds to settle the decretal sum due and owing. f. That it is fair and just that the orders sought be granted to the Applicant/decree holder to facilitate satisfaction of the Decree. g. That the Respondent/Judgement Debtor nor the Garnishee shall not suffer any prejudice in the event this application is allowed. h. That the application is brought in good faith and the Honourable Court has jurisdiction to grant the orders sought. https://new.kenyalaw.org/akn/ke/judgment/kehc/2025/18409/eng@2025-12-11 2

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Decision 4. In exercising discretion under these provisions, the Court has to bear in mind the guiding principles in the case of Kenya Electricity Transmission Company Limited v Spedag Interfreight Kenya Limited & 4 others [2024] KECA 542 (KLR) the Court of Appeal held as follows: “ There are two stages in garnishee proceedings. The first stage is the ex parte stage where an order is issued attaching the debt held by the garnishee to the credit of the judgement debtor. At that stage, the garnishee is not directed to pay any money to the judgement debtor since the exact amount, if any, held by the garnishee to the credit of the judgement debtor is not known. The order made at this stage is known as a garnishee order nisi. The second stage is where the garnishee appears to show cause why he should not pay to the decree-holder the debt due from him to the judgment-debtor, or so much thereof as may be sufficient to satisfy the decree together with the costs aforesaid. It is only after the second stage that the court may direct the garnishee to settle the whole amount due under the decree if the garnishee holds to the credit of the judgement debtor a sum equal to or in excess of the decretal sum, or the sum held by the garnishee to the credit of the judgement debtor where the amount owed is less than the decretal sum. The order issued at this stage is known as garnishee order absolute.” Where the garnishee fails to appear, or appears but fails to show cause why he should not pay to the decree-holder the debt due from him to the judgment-debtor or so much thereof as may be sufficient to satisfy the decree together with the costs, a garnishee order absolute is made, and it is at that stage that the garnishee becomes liable to settle the decretal sum owed to the decree-holder by the judgement debtor. See Mulji Kanji Mehta v Karsandas Pitamber & Brothers [1958] EA 694.” 5. Given the Notice of Motion and Affidavit evidence by the Applicant there is merit to issue the following garnishee order; All monies accruing payable by the garnishee Safaricom PLC to the Respondent in respect of all savings ,fixed and current account/Till in particular M-PESA TILL NO. 67xxx and 41xxx as the operating account held by the Respondent/judgment debtor with the garnishee be attached restricting any withdrawals and or transfer of funds or dealings whatsoever and be paid to the Applicant/decree holder's advocates to satisfy the decree issued here in the sum of Kshs 90,405/= plus the accrual interests pending the inter parties hearing and disposal of the application. 6. The costs of this application to abide the outcome of the notice of motion dated 21st November 2025. 7. Mater fixed for hearing on 28/1/2026 GIVEN UNDER MY HAND AND SEAL OF THIS HONOURABLE COURT THIS 11TH DAY OF DECEMBER 2025. ......................... R. NYAKUNDI JUDGE https://new.kenyalaw.org/akn/ke/judgment/kehc/2025/18409/eng@2025-12-11 3

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