FRANKMWENDA

The Writing of my Place in History

Bad Debt Chronicles: Musa

Running from debt

Everybody has encountered one, or many. Those people who, giving them a debt, under any circumstance, is like throwing your money into a pit latrine. People who have no tinge of guilt keeping money that doesn’t belong to them, and continue to live their lives normally, while you skip meals or get acid burns in their stomach when you see the good life they are living on Instagram.

Debts make my skin crawl. I can’t live comfortably with someone’s debt.

But I guess people are different. Like Musa. Musa called me one fine Sunday evening and told me.

I am in an ATM, but it is not working, man. I was going out with my girl and now this has happened. Please loan me some cash and I will refund it to you first thing tomorrow morning when I’m able to access my cash.

This was quite a legit and straightforward request. And it happens to everybody – you have money but your bank can’t give it to you because of what they call technical issues. So, being the good friend I am supposed to be, and also because Musa is supposed to be a respectable man who we don’t joke with, I sent him all the money I had on M-Pesa. I would have it the following day anyway.

That was on 23rd July 2016.

I think Musa has never woken up from his debt-induced hangover

To this day, the ATM has never been repaired. The “following morning” has never come. To this day, Musa has been in this huge hangover that he has never woken up from to go the bank. I think Musa’s M-Pesa line was stolen that night. Or how would you explain that I haven’t received the money?

I am not one to ask people for my money. I assume people feel as I do when I have their money. But in this case, I have tried, because, it’s not like he didn’t have money, the problem was his ATM and ATM machines get repaired within 12 hours. It started with calls or SMS, not talking about money, of course, but things like,

“How is the family?” 
“Huko kumenyesha?” 
“Boss, kuliendaje?”

Okay, many of those. And Musa always has answers. Good answers. As I said, he is supposed to be a respectable man, and respectable men know how to talk and soothe, even Mr Nyoka from pangoni. Or Frank from going bananas.

Excuses

Every time, there is a very convincing excuse, followed by a convincing promise, just like the ATM one. Things like,

“My problem has now been sorted, let me send the money to you tomorrow, without fail.

I have been called by my bank, a loan I applied for, has been approved, and I took it just to pay you.

“I have been called by my bank, a kaloan I applied for, has been approved, and I took it just to pay you. Naenda huko saa hii.”

“Man, I have been having so many issues, I feel like God and ancestors are against me. But things are looking great. Acha nikusort Monday, baba.

“Guess what? Niko Nairobi hii conference ya Jubilee. Delegates tunalipwa vile umeskia kwa news, alafu nikutafute tukule kanyama nikikusort.” You see, Musa is one of those political bootlickers on social media and in real life… I thought they get paid for their noise and MBs.

After the Jubilee conference, two weeks later: “Man, my dad was involved in an accident and I took him to the hospital with the money I was to send you.

And so on, and so forth. So I stopped talking to him or asking him anything. Or replying his excuse messages. Sometimes I don’t pick his calls because, I can’t waste money and time on one person, donge? Until the first week of January when I randomly liked his Facebook post announcing how wonderfully his New Year had started.

Kutoa Ntero

Minutes later, Musa called me and told me, “It’s true my year has started very well, and I want to pass this feeling to you. I know I wronged you but you will be smiling as I am, in a few hours. I will even ‘toa ntero'” (Ntero, in adult Kimeru jargon, is like the bull Kibaki paid to Njuri Ncheke for his wife slapping a Meru elder, Gitobu Imanyara. It’s like a token for forgiveness).

On a side note, this “kutoa ntero” looks like the first word in debt defaulters’ vocabularies. Someone else has been telling me the same thing for eternity.

You guessed right! The few hours have never come to pass. And I forgot about that until I received this message on Facebook from my beloved Musa:

musa-facebook

[Dude, I am coming to Nairobi. We link up on Thursday I “toa ntero”…]

That Thursday came and passed, of course.

You might wonder how much this money is.. well, it’s a meagre Sh. 3500

You might wonder how much this money is.. well, it’s a meagre Sh. 3500 bila ya kutoa. Money I can easily give a friend without expecting a refund if they asked (I am not too poor). But if you give a reason like Musa gave and it becomes a battle… you are just plainly a bad person who has failed in the subject of humanity. You can’t sell friendship for Sh. 3500. Make it a million, or something better.

And that’s too little money to not get in half a year.

Let’s laugh at Musa and people like him. 

Oh, laugh at me too for wasting precious time writing about things that don’t matter (debtors don’t matter)… and I will happily tell you I paid Sh. 3,500 for this post. 🙂

Meanwhile, it is a new year resolution that I will not be giving anybody any debt. 

There will be part 2, about someone else, and if you have your story, tell me about it in comments and we will name and shame these people

I was an accountant who fell in love with writing, and eloped. Call me Social Media Accountant. The only way for me is through.

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26 Comments

  1. hahahahahahha can’t wait for the part 2

  2. Jedz

    Hahaha

  3. Hehehe…. I think iyo “Ntero” hatawai toa

  4. Hahaha.. have experienced such pple.. some even refuse to take calls when they owe you.. nkt!!!

  5. EMILY

    I stand warned. Umechanua wenzako. Nyima mtu deni urafiki udumu.

  6. I have experienced such people… Doreen forty

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