Uganda Case Law

Sarah Mazzi Wamala and Jonathan Baddokwaya v White House Holdings Limited

Sarah Mazzi Wamala and Jonathan Baddokwaya v White House Holdings Limited (Miscellaneous Application No. 2642 of 2024) [2025] UGCommC 155 (14 April 2025)

Court

Commercial Court of Uganda

Case number

Miscellaneous Application No. 2642 of 2024

Judge

Tumusiime Rubagumya, J

The court found that the affidavit in support of the application, though sworn by only the 2nd applicant without written authority from the 1st applicant, was competent because both applicants were involved in the transaction and the evidence would not differ. The court emphasized substantive justice over technicalities. On the merits, the applicants raised bona fide triable issues regarding whether the loan sum was disbursed and received, the legality and excessiveness of the interest rate, and the validity of the guarantees. Contradictions in the amounts and dates of the loans, as well as d…

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• Summary Procedure
• Leave To Defend
• Loan Agreements
• Guarantees
• Interest Rates
• Triable Issues

Osikol (Suing through Kabagambe, his Lawful Attorney) v Mutebi

Osikol (Suing through Kabagambe, his Lawful Attorney) v Mutebi (Civil Suit 640 of 2022) [2024] UGCommC 362 (28 October 2024)

Court

Commercial Court of Uganda

Case number

Civil Suit 640 of 2022

Judge

Anna B. Mugenyi, J

The High Court held that the plaintiff’s agent bound the defendant in a loan agreement, found UGX 70 million unpaid, and awarded damages, costs, and reduced interest.

• Loan Agreements
• Agency Relationships
• Breach Of Contract
• Interest Rates
• Damages
• Cause Of Action

Create Consult Limited v Adraiga

Create Consult Limited v Adraiga (Civil Suit 20 of 2021) [2024] UGHC 806 (29 August 2024)

Court

High Court of Uganda

Case number

Civil Suit 20 of 2021

Judge

Acellam, J

The High Court of Uganda held that a 4% daily default penalty in a money-lending agreement was illegal and unenforceable, but awarded the lender a recalculated balance, simple default interest, damages, costs, and interest.

• Money Lending Contracts
• Penalty Clauses
• Interest Rates
• Contract Enforceability
• Money-lending
• Penalty-clauses

Cairo International Bank Limited v Luyimbazi

Cairo International Bank Limited v Luyimbazi (Civil Suit 555 of 2018) [2024] UGCommC 298 (19 April 2024)

Court

Commercial Court of Uganda

Case number

Civil Suit 555 of 2018

Judge

Cornelia Kakooza Sabiiti, J

The High Court held that the defendant breached a cheque discounting arrangement and owed the bank Ug.shs. 90,780,076, plus damages, interest, and costs.

• Cheque Discounting Facility
• Breach Of Contract
• Bank Customer Relationship
• Fraud And Misrepresentation
• Interest Rates
• Negligence In Banking

Kiiza v Kashaija and 3 Others

Kiiza v Kashaija and 3 Others (Civil Suit No. 894 of 2019) [2022] UGCommC 82 (22 September 2022)

Court

Commercial Court of Uganda

Case number

Civil Suit No. 894 of 2019

Judge

Boniface Wamala, J

High Court held the loan agreements were lawful friendly loans, reduced default interest from 6% to 24% per annum, and ordered release of a title deed.

• Loan Agreements
• Guarantees
• Interest Rates
• Money Lending Regulation
• Contract Enforcement
• Loan-agreement

Pinnacle Finance Ltd v Kaddu (HCCS 94 of 2015)

Pinnacle Finance Ltd v Kaddu (HCCS 94 of 2015) [2018] UGCommC 70 (4 December 2018)

Court

Commercial Court of Uganda

Case number

HCCS 94 of 2015

The court found that the payout vouchers, credit application forms, and the conduct of the parties established a contractual relationship. The Defendant was a signatory to the relevant documents and admitted to borrowing at least UGX 1,200,000/=. His denial of the agreement and failure to call corroborating witnesses undermined his defense. The Plaintiff’s evidence of advances and partial repayments remained unchallenged. The interest rate of 10% per month was deemed unconscionable, and the outstanding sum was recalculated at 2.5% per month. The Defendant was found in breach of contract and l…

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• Loan Agreements
• Contract Breach
• Interest Rates
• Security For Loans
• General Damages

Hamwe Investiments Ltd v Babigumira

Hamwe Investiments Ltd v Babigumira (Civil Suit No. 24 of 2012) [2015] UGCommC 48 (18 February 2015)

Court

Commercial Court of Uganda

Case number

Civil Suit No. 24 of 2012

Judge

Adonyo, J

The court found that the plaintiff failed to prove, on a balance of probabilities, the specific indebtedness of the defendant in the sum claimed due to a lack of clear records and contradictory evidence regarding the transactions. The interest rates stipulated in the loan agreement (1% per month for five months and 5% per month thereafter) were found to be excessive and unconscionable under Section 12 of the Money Lenders Act, which caps interest at 24% per annum. The plaintiff's failure to keep proper books of account as required by law further undermined its claim. The court held that, in s…

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• Money Lending
• Loan Agreements
• Interest Rates
• Unconscionable Contracts

Kabuye & Anor v Bowerman

Kabuye & Anor v Bowerman (Civil Suit No.535 of 2007) [2014] UGHCLD 118 (21 August 2014)

Court

HC: Land Division (Uganda)

Case number

Civil Suit No.535 of 2007

Judge

Luswata, J

The court found the plaintiffs breached a loan agreement secured by land, but reduced the contractual 5% monthly interest as unconscionable and awarded revised interest, damages, and costs.

• Loan Agreements
• Equitable Mortgage
• Interest Rates
• Breach Of Contract
• Land Security
• Damages

Citi Bank (U) Ltd v Collin Semakula (HCT-00-CC-CS 676 of 2005)

Citi Bank (U) Ltd v Collin Semakula (HCT-00-CC-CS 676 of 2005) [2007] UGCommC 42 (27 April 2007)

Court

Commercial Court of Uganda

Case number

HCT-00-CC-CS 676 of 2005

The High Court’s Commercial Court entered judgment for Citi Bank Uganda Limited for unpaid staff loans, awarding the proven balance, interest, and costs after the defendant filed no defence.

• Staff Loans
• Employment Termination
• Loan Recovery
• Interest Rates
• Banking-law
• Employment-law

Tindyebwa Stephen v Alpha International Investments Ltd - (HCT-00-CC-MA 789 of 2005)

Tindyebwa Stephen v Alpha International Investments Ltd - (HCT-00-CC-MA 789 of 2005) [2006] UGCommC 7 (12 March 2006)

Court

Commercial Court of Uganda

Case number

HCT-00-CC-MA 789 of 2005

The High Court stayed a commercial suit under section 6 of the Civil Procedure Act because an earlier suit between the same parties was already pending.

• Stay Of Proceedings
• Summary Procedure
• Money Lending
• Interest Rates
• Stay-of-proceedings
• Civil-procedure