蒙巴薩寡婦在上訴法院與鑽石信託銀行爭奪價值 150 萬美元的房產拍賣

蒙巴薩大亨的遺孀Noor Ali Islam Jeizan向上訴法院提出上訴，要求阻止鑽石信託銀行因一筆有爭議的1.74億先令貸款而出售她的財產。 Islam 聲稱該貸款已全部償還，並需額外償還 1,700 萬先令，而銀行則辯稱，Islam 和她已故的丈夫同意出售公司資產，且貸款尚未償還。爭議源於向 Anwar Mohamed Bayusuf Limited 發放的一筆貸款，Islam 聲稱該貸款中存在虛構帳戶，從而導致金額存在爭議。

Mombasa Widow's Appeal to Block Property Auction in Sh174 Million Dispute with Diamond Trust Bank

蒙巴薩寡婦在與鑽石信託銀行發生價值 1.74 億先令的糾紛中呼籲阻止財產拍賣

In a contentious legal battle that has escalated to the Court of Appeal, Noor Ali Islam Jeizan, the widow of Mombasa tycoon Bayusuf Mohammed, is vehemently opposing Diamond Trust Bank's (DTB) attempts to sell her property in order to recover Sh174 million in alleged unpaid loans.

在一場已升級至上訴法院的有爭議的法律訴訟中，蒙巴薩大亨巴尤蘇夫·穆罕默德(Bayusuf Mohammed) 的遺孀努爾·阿里·伊斯蘭·傑贊(Noor Ali Islam Jeizan) 強烈反對鑽石信託銀行(DTB) 試圖出售其財產，以追回據稱未付的1.74 億先令。

Islam vehemently contends that the loan taken by her late husband was fully repaid, with an excess of Sh17 million that the bank should have refunded. Despite her plea to halt the auction, High Court Judge Kizito Magare dismissed her request.

伊斯蘭強烈辯稱，她已故丈夫的貸款已全部償還，銀行應退還多於 1700 萬先令的金額。儘管她請求停止拍賣，但高等法院法官基齊托·馬加雷駁回了她的請求。

Aggrieved by the decision, Islam has appealed to the Court of Appeal, arguing that her children and elderly mother will be left homeless if DTB proceeds with the sale of the disputed property. "The property scheduled for auction is a residential house where my children live together with my elderly mother. Unless the orders sought are granted, my children and elderly mother will be left destitute of a home," she pleaded in her appeal.

伊斯蘭教對這一決定感到不滿，已向上訴法院提出上訴，稱如果 DTB 繼續出售有爭議的財產，她的孩子和年邁的母親將無家可歸。 「計劃拍賣的房產是一棟住宅，我的孩子們和我年邁的母親住在一起。除非所尋求的命令獲得批准，否則我的孩子和年邁的母親將失去家園，」她在上訴中懇求道。

The dispute centers around a company owned by Islam and her late husband, Anwar Mohamed, called Anwar Mohamed Bayusuf Limited. DTB has already sold off a yard and trucks belonging to the company, claiming non-payment of the loan. The loan agreement stipulated that the company was obligated to pay at least 26 percent per annum as interest on the borrowed amount. Additionally, the bank has targeted the house inherited by Islam, placing it up for auction last year.

爭議圍繞著伊斯蘭教及其已故丈夫安瓦爾·穆罕默德 (Anwar Mohamed) 擁有的一家名為安瓦爾·穆罕默德·巴尤蘇夫有限公司 (Anwar Mohamed Bayusuf Limited) 的公司展開。 DTB 已經出售了該公司的一個堆場和卡車，並聲稱未償還貸款。貸款協議規定，公司有義務每年支付至少 26% 的借款利息。此外，該銀行還瞄準了伊斯蘭繼承的房屋，並於去年將其拍賣。

At the heart of the conflict between Islam and DTB lies the contested sum of Sh174 million. Their respective accounts of the matter differ starkly. Islam alleges that DTB fabricated fictitious accounts, resulting in the inflated amount. She asserts that the loan taken by Bayusuf Limited was repaid in full on June 30, 2011, with an excess of Sh17 million. This followed the auction of an earlier property used as collateral for the company's loan.

伊斯蘭教和 DTB 之間衝突的核心在於 1.74 億先令的爭議金額。他們各自對此事的描述截然不同。 Islam 指控 DTB 捏造虛假帳戶，導致金額虛增。她聲稱，Bayusuf Limited 獲得的貸款已於 2011 年 6 月 30 日全額償還，超過 1,700 萬先令。在此之前，拍賣了用作該公司貸款抵押品的早期財產。

Islam claims that the bank is withholding crucial documents that would corroborate her claim that Bayusuf has no outstanding debt to DTB. In contrast, DTB maintains that a consent agreement reached between the parties on July 17, 2021, obliged the bank to release all relevant documents, including details of the disputed accounts. The bank argues that its case against Islam is supported by an independent report from the Interest Rates Advisory Centre (IRAC), which confirms Bayusuf's indebtedness. DTB dismisses Islam's request for additional documents as a "fishing expedition."

Islam 聲稱，該銀行扣留了一些重要文件，這些文件將證實她的說法，即 Bayusuf 沒有欠 DTB 的未償債務。相較之下，DTB 堅稱，雙方於 2021 年 7 月 17 日達成的同意協議要求銀行公佈所有相關文件，包括有爭議帳戶的詳細資訊。該銀行辯稱，其針對伊斯蘭教的指控得到了利率諮詢中心（IRAC）的獨立報告的支持，該報告證實了Bayusuf的債務。 DTB 駁回了 Isl​​​​am 提供額外文件的要求，稱其為“釣魚”。

The saga between Islam and DTB began with a loan extended to Bayusuf Limited. The dispute has since escalated from civil proceedings to criminal investigations, with Islam demanding full disclosure of the accounts. Correspondence between her attorneys and the Central Bank of Kenya (CBK) reveals that the regulator encountered difficulties in obtaining comprehensive information from the bank regarding the circumstances that led to Bayusuf accumulating such a substantial debt.

Islam 和 DTB 之間的傳奇故事始於向 Bayusuf Limited 提供的一筆貸款。此後，爭端已從民事訴訟升級為刑事調查，伊斯蘭教要求全面披露帳目。她的律師與肯亞中央銀行（CBK）之間的通信顯示，監管機構在從銀行獲取有關導致Bayusuf積累如此巨額債務的情況的全面信息時遇到了困難。

As the Court of Appeal prepares to hear Islam's appeal, the outcome of this protracted legal battle remains uncertain. The legal drama has garnered significant attention, raising questions about the nature of banking relationships, the rights of borrowers, and the efficacy of the Kenyan financial regulatory system.

當上訴法院準備審理伊斯蘭教的上訴時，這場曠日持久的法律鬥爭的結果仍然不確定。這部法律劇引起了廣泛關注，引發了人們對銀行關係的本質、借款人的權利以及肯亞金融監管體系的有效性的質疑。