…categorically turned him down.

He was a friendly, listening and caring partner only as long as the chase was on.

Later on through changes made to our contract after the fall-out, I realized he had all intentions not to honor our agreement in case I declined his advances.


It didn’t take long after Equity Bank breached our agreement for Adopt A Light to be left with a massive bill to pick up.

Before the matter spilled into the courts, Equity Bank hired Neptune Credit, an unlicenced debt collector whose approach to debt collection was unprofessional and not what one would expect from a bank of Equity’s stature.

This was also unlawful as banks need or seek court orders before contracting the services of a debt collector.

Or if they appoint one, the collector must start with the courts before taking any action.

The story of how Neptune Credit harassed me and my children is captured under OB 38 of 15/4/2009 at Parklands police station.

But as is pretty much the norm in Kenya, the case was closed before it started.

Mwangi only went to court for alleged debt after I won the highly compromised award (after lots of applications to deny me justice ) to try and stop the award.

In spite of an IRAC report on the interest overcharge and the irregular debits, Mwangi adamantly refused to reverse the same.

Even his managers realised his motives were personal and not professional because it is standard for banks to reverse proven irregular debits.

This prompted me to go back and demand that the Bank pays in full what it owed my business and I have every intention of pursuing damages for destroying my company and the ensuing psychological distress.


It took a lot of soul searching for me to share my experience after reaching my tipping point.

It is true that Mwangi is a brilliant and talented banker, looking at what he’s achieved with the Equity brand.

However, he was highly unprofessional with me.

At the time, I informed Chairman Peter Munga ( as well as other senior managers) of the happenings but he couldn’t defend me as his hands were tied.

Wherever Munga is right now, he knows the truth and I hope one day he’ll stand up for me. But even if he doesn’t, I know someone will eventually vindicate me.

Make no mistake, this is not easy for me but I stand by my every word.


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