Stanbic Bank (U) Limited v Rebecca Kaduru (Civil Suit No. 113 of 2023)

Observed later treatment

No later-treatment classification is recorded for this judgment.

Citator coverage is limited to judgments in the Wakilii corpus and source-matched treatment records. Absence of a signal is not an assertion that the case remains good law.

Holding

The court entered default judgment against the defendant for failure to file a defense after effective service by substituted service. The plaintiff bank was awarded the full outstanding loan amount of UGX 124,486,940, interest at 18% per annum from the date of default until full payment, and costs of the suit.

Outcome

Default judgment entered in favour of the plaintiff bank for the full amount claimed plus interest and costs

Facts

On 27 March 2014, the plaintiff bank provided a loan of UGX 90,000,000 to the defendant at 18% interest per annum, repayable by monthly instalments of UGX 2,339,692. The defendant irregularly serviced the loan and subsequently defaulted on payment obligations. Despite several reminders, the defendant failed to make good her obligations, resulting in an outstanding debt of UGX 124,486,940. Summons to file a defense were issued on 13 February 2025. The defendant did not respond. The plaintiff effected substituted service through publication in the Monitor Newspaper on 12 May 2025. The defendant failed to file a defense.

Issues

1. Whether default judgment should be entered against the defendant.

Orders

• Default judgment entered against the defendant.
• Payment to the plaintiff of UGX 124,486,940 being outstanding principal loan and interest.
• Interest at 18% per annum from the date of default until payment in full.
• Costs of the suit awarded to the plaintiff.

Rules and key headnotes

Legislation cited (2)

• Civil Procedure Rules Order 9 rule 5
• Civil Procedure Rules Order 9 rule 6

The original judgment as reported. Read the original PDF before relying on any passage.