My name is Michael Otieno, and I live in Ruiru, Kiambu County, just a few kilometers from Nairobi. For years, I worked hard as a transport and logistics contractor, saving every shilling with one clear goal: to expand my business and finally build a permanent home for my family. By early last year, I had managed to save Ksh 4.5 million, money I kept carefully in a sacco account and partly in cash for a land deal I was about to close in Kamulu. I never imagined that within days, that money would vanish—and that what followed would completely change my life.
The trouble began quietly. I noticed small withdrawals I could not explain. At first, I thought it was bank charges or simple accounting errors. Then one morning, I went to confirm my balance, and my legs almost gave way. The account was nearly empty. Panic took over my body. I rushed to the bank branch in Thika Road Mall, shaking, demanding answers. The statements showed multiple withdrawals and transfers done over several weeks. They looked legitimate—done using my own details. But I knew one thing clearly: I had not made them.…CONTINUE READING
