Caroline Nderitu’s experience with Mogo Kenya reveals the deeply disturbing tactics some lenders are using under the guise of logbook financing.
Her story is not just a personal ordeal it is a documentation of psychological torment delivered through confusing timelines, cold communication, and total disregard for her rights.
In her own words, “They took my wheels, but they did not clip my wings.” What followed was what she calls “a Kafkaesque timeline of contradiction, coercion, and collapse.”It all began on a Friday evening at 6:07 PM when she received a WhatsApp message out of nowhere. No phone call. No restructuring proposal.
The message simply stated, “You have 24 hours to pay arrears.” This was the start of a series of mixed messages that appeared more calculated to confuse than to inform. Three days later, on Monday at 11:33 AM, two civilian men physically seized her car in what she describes as an ambush.
No repossession order was shown. They made vague claims about surveillance and used fear as a tool to take what was hers.By Tuesday at 4:35 PM, Caroline received an email from Mogo demanding the full loan amount, penalties, and interest within five days.
This sudden shift from arrears to a full payoff demand left no room for negotiation or reality. Then on Wednesday at 3:33 PM, a call came in from Mogo promising she had 14 days to clear arrears completely contradicting the email.
Still, they gave no written confirmation to back up the call.On Saturday that same week at 10:20 AM, another message arrived this time stating she had 30 days to clear the arrears.
This made it the fifth different deadline within a span of days. It was confusing, erratic, and clearly manipulative.
Caroline describes this entire back-and-forth as psychological whiplash, and she is right. The lenders weren’t just handling finances—they were playing with her emotions, pushing her to the edge.
Finally, on Wednesday the 30th at 5:34 PM, she got another email. This one coldly read, “Kindly note that your unit has already been sold as per the notice to sell.”
There had been no valuation done, no auction process followed, and no receipt to confirm the repossession.
Just a final email notifying her that her car was gone.Mogo’s actions in this case show a pattern of confusion, pressure, and exploitation.
What Caroline went through cannot be described as a financial process. It was emotional extortion dressed up as logbook lending. The way timelines kept shifting without explanation, how repossession was done through fear, and how information was manipulated show a system that is broken and dangerous.
This is not an isolated case. It is a mirror of what many Kenyans are silently going through. With cases like Caroline’s now coming to light, it is no longer possible to pretend that Mogo is just another lender.
The way they operate is a calculated scheme that targets the vulnerable, breaks them down through pressure, and leaves them with nothing.
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