Boda-boda Riders Protected as Court Stops Dirty Repossessions Based On Vague Hire Purchase Agreements The High Court has delivered the ruling many motorbike owners have been praying for. In 15 Minutes Logistics Ltd v Deckson Moruri (2025), a boda rider lost his motorbike to repossession, only for the lender to turn around and demand extra penalties, arrears, repossession fees, storage fees, and all sorts of invented charges. But the lender’s own hire-purchase agreement had NO clear purchase price, NO payment timeline, NO record of actual payments, and NO proof of default. The Court said the truth plainly: you cannot seize someone’s bike and still claim money when your own contract is a grey, confusing mess. This judgment reinforces a deep jurisprudential point that hire-purchase companies have been dodging for years. If you're financing a motorbike, you must comply with the law: the contract must be complete, transparent, and provable. You must issue proper notices. You must show the payment schedule and actual arrears. You must justify repossession. You cannot hide behind vague clauses or “daily penalties” designed to trap riders in an endless cycle of debt. When a company cannot clearly demonstrate what was owed, how much was paid and why repossession was lawful, the court will not enforce anything. The lender’s claim collapses. This decision is now a lifeline for thousands of riders who fear unfair repossessions. The message is crystal clear: you cannot lose your motorbike simply because a financing company kept poor records or invented penalties. And lenders can no longer repossess and still chase riders for imaginary balances. For every boda-boda, delivery rider or small business owner under a hire-purchase contract, this ruling says: the law is watching, the courts are awake, and your rights actually matter.