Hundreds of thousands of Kenyans have benefited from HELB. Earlier on it used to be called *boom*, then *Chacha* and now with Mr Ben C Cheboi as the CEO i suppose it would be Cheboi. Anyway,its long since i queued at 18-19th floor of anniversary towers though i had bad experiences over there as a student and the only happy encounter was when i went to collect my certificate on a red carpeted/air conditioned office somewhere in 19th floor.

This is rather emotional subject BUT thousands and thousands of Kenyans have not paid back. Either because they are un-employed or because they do not want to. The typical *mta do nini?* altitude. Because how do you explain a MP who has not repaid their loans...it was in the news some years back. But repayment of money is not a moral issue because time and again HELB has send reminders to past loanees and even the recent penalty of 5k per month makes the loanees particularly the un-employed a frustrated lot.

However, that said it is pointless to threaten to sue someone if they do not pay in 30 days. The tricky bit is that for some people... or even... for most people, their physical address is unknown, in IDP camps, jobless and struggling to get the next meal.

If people say "mta do nini?", HELB should pursue the guarantors.

I overpaid my CHACHA and got a pleasant surprise from HELB this month when they refunded me back my extra money.

They are not as bad as most comrades say they are!!!