A troubling case involving a boda boda rider and a motorcycle financed through MOGO has raised fresh questions about transparency in motorcycle recovery processes, tracker systems, and the charges customers are sometimes required to pay before reclaiming their assets.
According to information shared with Nyakundi Report by a concerned individual who requested anonymity, the matter revolves around a rider who reportedly went missing about a month ago while operating his motorcycle at around 3 a.m.
The motorcycle had been acquired through a financing arrangement with MOGO under a logbook facility.Following the incident, a report was filed at Mlolongo Police Station and efforts were launched to trace both the rider and the motorcycle.
As relatives and friends searched for answers, they also reached out to MOGO for information regarding the motorcycle’s tracking system.
The response they allegedly received only deepened the mystery. They were informed that the tracking device installed on the motorcycle had been removed the following morning in Mlolongo.
Naturally, this raised serious concerns. If the tracker had indeed been removed, questions emerged about who removed it, under what circumstances it was removed, and whether investigators were pursuing those leads.Weeks later, the situation took another unexpected turn.
The rider reportedly received a message informing him that the motorcycle had been recovered and was being held at a MOGO yard.
While the news appeared positive at first, it soon sparked a new set of questions.
According to those familiar with the matter, the outstanding loan balance on the motorcycle stood at approximately KSh 4,500.
However, upon attempting to recover the motorcycle, the rider was allegedly informed that he needed to pay KSh 13,163.
The message reportedly sent by MOGO stated:
“While repossessing your vehicle we incurred costs totaling KSh 13,163. To recover the vehicle you must cover the incurred debt collection costs as well as clear your outstanding arrears.”
It is this demand that has left the customer and those supporting him searching for answers.
If the motorcycle had been stolen and a police report had already been filed, why was the recovery handled as a repossession case?
What exactly constituted the debt collection costs being charged? How were those charges calculated?
And if the tracker was removed shortly after the incident, what findings emerged from efforts to establish who removed it and how the motorcycle was eventually recovered?
The complainant insists that these concerns should not be interpreted as accusations against any individual or institution. Rather, they are questions arising from a situation that appears difficult to understand from the information currently available.
Motorcycle financing has become a crucial source of livelihood for thousands of Kenyans.
For many riders, a motorcycle is their primary source of income and any disruption can have devastating financial consequences.
That is why transparency becomes especially important whenever a financed motorcycle goes missing, is recovered, or attracts additional charges.
While financiers may legitimately incur costs related to tracing, storage, towing, repossession, or debt recovery, customers equally deserve a detailed breakdown explaining how such figures are arrived at.
Clear communication helps build trust and prevents speculation whenever unusual circumstances arise.
The complainant is now appealing to MOGO, the National Police Service, and relevant regulators to provide clarity on the matter.
At the centre of the case are several unanswered questions. How did the motorcycle disappear? How was it recovered? Why was the tracker allegedly removed?
And why do the recovery charges appear significantly higher than the outstanding loan balance?
Until those questions are fully addressed, the case is likely to remain a source of concern for many riders who depend on financed motorcycles to earn a living.
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