You lent money to a friend with no contract – how do you get it back? — Immani lets you file a dispute against your friend's phone number for KSh 100.

Lending money to friends or family without a contract is a common practice in Kenya, but it can lead to problems when the money isn't repaid. Many people assume that because it's a loan from a friend, there's no need to formalize the agreement. However, this can leave you without any recourse if the friend doesn't pay back the loan.

In Kenya, the usual advice for resolving disputes over unpaid loans is to take the matter to court. However, this can be a lengthy and costly process. The Small Claims Court in Kenya has a maximum limit of KSh 100,000 for disputes, but even then, the process can take months to complete.

Immani offers a faster and more affordable way to resolve disputes over unpaid loans. By filing a dispute against your friend's phone number, you can initiate a process that encourages both parties to engage and reach an understanding.

Here's how Immani works in this specific context:

1. You file a dispute against your friend's phone number, describing the loan and the amount owed.
2. Your friend receives a notification and has a short private window to respond and engage directly.
3. If there's no response, the dispute becomes visible to anyone who looks up that phone number within Immani, which tends to prompt a reply.
4. The dispute only closes when both sides confirm they have engaged and reached an understanding.

What happens next is a real conversation between you and your friend, facilitated by Immani's platform. This can lead to a resolution that works for both parties, without the need for a lawyer or a lengthy court process.

A one-line trustworthiness disclaimer: Immani is not a law firm and does not provide legal advice. This post is general information, not advice for your specific situation.

You can learn more about how Immani works and the filing process on our website: https://immanihub.com/how-it-works.