Uganda Case Law

Standard Chartered Bank Uganda Limited v Lutwama

Standard Chartered Bank Uganda Limited v Lutwama (Civil Suit 772 of 2022) [2024] UGCommC 358 (11 November 2024)

Court

Commercial Court of Uganda

Case number

Civil Suit 772 of 2022

Judge

Anna B. Mugenyi, J

The court found that the defendant obtained an unsecured salary loan from the plaintiff and defaulted on repayment after his employment contract ended. The loan agreement and supporting documents established that the loan was unsecured and the salary was not collateral, but rather a measure of creditworthiness. The defendant's loss of employment did not relieve him of the obligation to repay the loan. The insurance policy only covered death, permanent disability, or retrenchment, none of which applied to the defendant's circumstances. The defendant admitted to defaulting and did not dispute t…

Source excerpt

• Loan Default
• Unsecured Debt
• Salary Loan Facility
• Insurance Exclusion
• Contractual Obligation

Standard Chartered Bank (U) Limited v Kanzira

Standard Chartered Bank (U) Limited v Kanzira (Civil Suit 626 of 2022) [2023] UGCommC 245 (6 June 2023)

Court

Commercial Court of Uganda

Case number

Civil Suit 626 of 2022

Judge

Anna B. Mugenyi, J

The High Court held the defendant liable for an unpaid bank loan, rejecting his insurance-based defense for lack of proof that the policy covered his situation.

• Loan Default
• Personal Loans
• Insurance Exclusion
• Contractual Liability
• Loan-default
• Banking-law