@Bwenyenye. Same story here. My balance was deducted in full by the previous employer only to later be told that I has a balance and had already been charged penalties worth Kshs 90K!!! I went over and paid the principal amount plus interest and they waived the penalties. Got a clearance cert like PAP.

The scariest thing for me is to have my name with the new credit reference bureaus. If this happens to you, you can forget about getting a loan form anyone in Kenya. Like the rest I say watu walipe madeni.

i hadnt paid mine for a while because i dint have source of income, but when i started i paid half the bill in lumpsome and in their own wisdom they still charged me a fine!!!! i had just paid what would have taken 2 years to recoup through their monthly deductions at once but they still punished me. I am now avoiding their charges by paying a little every month and plan to clear the balance by December this year

Maybe you make annual lumpsum payments IN ADVANCE. If a monthly payment is due, and you do not settle it, they will add Ksh 5000 penalty for that month. Every July, they also add Ksh 1000 (I don't know why).

If you pay the balance and interests in one lumpsum payment, they will waive all the penalties.

Watu walipe HELB.

I cleared mine in Feb and I think HELB are more efficient than you give credit to them.

I got a certificate and am now HELB FREE.

They charge 1000/= ledger fees per year.... that's peanut to me given all the infrastructure in place to manage the accounts.

I think this is a good move.
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