A decision by Kenya’s appeal court last week has brought home a sad fact: some banks, especially those dealing with home loans, treat customers as though the law doesn’t exist, charge them as they like, and fail to keep proper records.

The case concerns Scholarstica Muturi, a stock exchange agent who took a loan with Kenya’s House Finance Co Ltd in about 1998. She asked for 3-million Kenyan shillings and offered two properties she owned as security.

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