Faith Koyo v Zamaradi Capital And Credit Group Limited Ta Juu Cash

Complaint upheld; compensation ordered; enforcement notice issued. ODPC, 15 December 2023.

Record ID

ke-odpc-2023-0045

Case reference

ODPC Complaint No. 1799 of 2023

Jurisdiction

Kenya

Regulator

ODPC

Type

determination

Complainant

Faith Koyo

Date decided

15 December 2023

Respondent type

private

Sector

general

Violations

unlawful data disclosure, unlawful debt collection, failure to respond to erasure request, unlawful processing

Provisions cited

s.25 DPA 2019, s.30 DPA 2019, s.56 DPA 2019, s.58 DPA 2019, s.65 DPA 2019

Outcome

complaint upheld; compensation ordered; enforcement notice issued

Compensation

KES 200,000 (≈ USD 1,430 at the decision date)

Status

final

Source

Official document ↗

Source integrity

SHA-256 5646a0e0e7dcdf71…

Record verified

30 July 2026

The facts

The complainant was continuously contacted by Zamaradi Capital and Credit Group Limited, trading as Juu Cash, to repay a loan taken by a third party, although she was never the third party's guarantor. The respondent adduced no evidence in response to the complaint, and the ODPC found it liable for unlawfully processing her personal data.

Orders and outcome

The respondent was ordered to compensate the complainant Kshs. 200,000 for the unlawful processing and an enforcement notice was issued against it. Dated December 2023.

DEBT-COLLECTION · DISCLOSURE · GENERAL · RIGHT-TO-ERASURE · UNLAWFUL-PROCESSING · UPHELD

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