Immani Blog

From Immani — Kenya's dispute resolution infrastructure.

Someone hasn't refunded my money months later — what are my options?

September 23, 2026
Key Takeaway

If someone owes you money and won't refund it, you have options. Immani lets you file a dispute against their phone number for KSh 100.

Someone hasn't refunded my money months later — what are my options? — Immani lets you file a dispute against their phone number for KSh 100. You're not alone in this situation. Many people in Kenya struggle to get their money back from someone who owes it to them. The usual advice is to go to court or get a lawyer, but that can take months and cost a lot of money. For many everyday disputes, there's a faster option. Here's how Immani works in this specific context:

  1. You file a dispute against the person's phone number, describing what happened.
  2. Both you and the other person are notified immediately.
  3. There's a short private window to respond and engage directly.
  4. If there's no response, the dispute becomes visible to anyone who looks up that phone number within Immani.
  5. The dispute only closes when both sides confirm they have engaged and reached an understanding. Immani and Immani Legal AI are not law firms and do not provide legal advice. This post is general information, not legal advice for your specific situation. For complex cases, consult a qualified advocate.

Disclaimer

This article is for general informational purposes only and does not constitute legal advice. Immani and Immani Legal AI are not law firms and do not provide legal representation. The information provided may not reflect the most current legal developments. For legal advice specific to your situation, consult a qualified advocate licensed to practice in Kenya.

Ready to file a dispute?

File directly against the other person's phone number. No login required. KSh 100 to file.

Immani is not a law firm and does not provide legal advice. For complex cases or cases involving significant amounts, consider consulting a qualified advocate.

See how it works   File a dispute now

Frequently Asked Questions

How much does it cost to file a dispute on Immani?

Filing a dispute on Immani costs KSh 100.

What happens if the other person doesn't respond to the dispute?

If the other person doesn't respond, the dispute becomes visible to anyone who looks up their phone number within Immani.

Can I use Immani if I don't have a contract or agreement?

Yes, you can use Immani even if you don't have a contract or agreement.

How long does it take to resolve a dispute on Immani?

The time it takes to resolve a dispute on Immani varies depending on the complexity of the issue and the responsiveness of the parties involved.

Is Immani a law firm?

No, Immani is not a law firm and does not provide legal advice.

Can I get free legal information about my situation?

Yes. Immani Legal AI gives you answers based on Kenyan law — the Constitution, statutes, and case law. You can also draft legal documents, compare your case with precedents, and look up legal terms in plain language. It is free to use. Try Immani Legal AI →

communitydisputemoney refund