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If there is an existing written agreement for the loan between you and the person, then follow the procedure provided in the agreement before going to court.

If there’s no agreement then write a demand letter to the person clearly stating the loaned sum and date within which you want the loaned sum to be paid. In summary take the following steps:

1. Send a reminder to the person

2. Request for a meeting and discuss new terms of payment with the person.

3. If there is an existing written agreement for the loan, then follow the procedure provided in the agreement before you go to court.

4. If all the above fail, then you can proceed to institute an action in court for the debt recovery.

5. Depending on the amount on the amount you borrowed to the person, you can either go to the magistrate court or high court. If it the action is instituted in the high court and you have a document to prove that you borrowed the person money then the process could be commenced via the undefended list. The undefended list is designed to permit fast dispensation of justice. However, If you don’t have any document to show that you borrowed the person money then the court case will be instituted via a writ of summons because the matter contentious and both parties need to argue and plead. If successful the court may grant an order for the recovery of the loaned sum and award you damages and cost for the court case.