BAZAMBANZA vs GT BANK LTD

# BAZAMBANZA vs GT BANK LTD

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2022-10-19 - Case/document no.: RCA 00089/2020/HC/KIG - Collection: High Court

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BAZAMBANZA vs GT BANK LTD [Rwanda URUKIKO RUKURU – RCA 00089/2020/HC/KIG (Nkusi, P.J.) 19 Ukwakira 2022] Amategeko Mbonezamubano – Indishyi – indishyi zikomoka ku ikosa – Umukoresha agomba kwirengera ingaruka z’amakosa yakozwe n’abakozi be – Ubuteshuke n’ubuteganye buke bukozwe n’abakozi ba banki bugatuma hibwa amafaranga kuri konti y’umukiriya ndetse hakagira n’abakozi buwo mu kiriya bakurikiranwa bakekwaho uruhare mu kwiba ayo mafaranga ariko bakagirwa abere, ntacyabuza abakurikiranwe barengana kubisabira banki indishyi, kandi Urukiko rukazitanga. Incamake y’ikibazo: Uru rubanza rwatangiye Bazambanza arega GT Bank LTD mu Rukiko rwisumbuye rwa Nyarugenge, asaba indishyi zikomoka ku gikorwa ngo cyo ku mufungisha yakorewe na GT BANK kikamwangiriza. Avuga ko GT BANK yamureze kuri station ya Polise i Remera muri dosiye no 433/KE/RMR/GSBO/015, bamushinja kwiba amafaranga kuri konti zayo, aza guhamwa n’icyaha mu Rukiko Rwisumbuye rwa Nyarugenge mu rubanza RP0613/2015/TGI/NYGE, ngo hashingiwe ku buhamya bw’abantu bamushinje ibinyoma, ariko nyuma aza kurekurwa mu bujurire n’Urukiko Rukuru mu rubanza RPA00344/2016/HC/KIG. GT BANK LTD yaburanye ihakana ibyo iregwa, ivuga ko atariyo yamufungishije ko ubwo bubasha ari ubw’inzego zigizwe n’ubugenzacyaha n’ubushinjacyaha. Urukiko mu rubanza RC00537/2019/TGI/NYG rwemeje ko ikirego cyatanzwe na Bazambanza nta shingiro gifite, kuko Bazambanza ngo yareze banki kandi nawe yivugira ko amafaranga yibwe muri system yayo, akaba atagaragaza ikibazo ngo bari bafitanye cyari gutuma imukurikirana mu rubanza. Bazambanza ntiyishimiye imikirize y’urubanza ajuririra urukiko rukuru arusaba gusuzuma inenge zikubiye mu rubanza kuko umucamanza yirengagije ko uwatanze ikirego cy'ikurikiranacyaha ari G.T bank; ko amakosa yose yateje ikibazo yakomotse mu bakozi ba GT bank aho batanze OP zikura amafaranga kuri Konte ya Kibuye Hospital yarabereye umukozi; ko GT bank yayandikiye ikamwima ibimenyetso urukiko rukabitesha agaciro. Bazambanza asobanura ko isano iri hagati y’ikosa yakorewe n’igihombo byamuteje ari ikosa ryakomotse ku bakozi ba GT Bank batanze Electronice Fund Transfer ( (Application Form ) zigakoreshwa mu kwiba kuri konti y’ibitaro bysa Kibuye iri muri GT Bank, ngo bigaragara ko aribo batanze amakuru kuri iyo konti, akaba umwe mu bakozi batejwe igihombo kuko yabeshyewe, agafungwa, agatakaza akazi, avuga ko kuba izi Ordre de payment zaremewe na Systeme ya Bank zemeza ko ikosa ryateje igihombo ryakozwe na GT Bank cyane ko yanemeye kwishyura ibitaro amafaranga yibwe kuri konti yayo. Uhagarariye GT Bank avuga ko Ubu bujurire asanga nta shingiro bufite kubera ko Urega yirengagiza ko urwego rw’ubugenzacyaha n’ubushinjacyaha arizo nzego zikurikirana ibyaha, bigakurikiranwa mu nyungu za sosiyete yose.

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GT Bank ivuga kandi ko ibaruwa yandikiye Police igaragaza abakwiye gukurikiranwa ho icyaha cyo gukoresha inyandiko mpimbano Bazambanza atagaragaramo. Ikavuga ko inzego zakoze iperereza arizo zasanze nawe hari impamvu zo kumukurikirana. Urukiko mu rubanza RCA00089/2020/HC/KIG rwemeje ko Ubujurire bwa Bazambanza bufite ishingiro, rutegeka GT Bank kumuha indishyi. Incamake y’icyemezo: Umukoresha agomba kwirengera ingaruka z’amakosa yakozwe n’abakozi be. Bityo, Ubuteshuke n’ubuteganye buke bukozwe n’abakozi ba banki bugatuma hibwa amafaranga kuri konti y’umukiriya ndetse hakagira n’abakozi buwo mu kiriya bakurikiranwa bakekwaho uruhare mu kwiba ayo mafaranga ariko bakagirwa abere, ntacyabuza abakurikiranwe barengana kubisabira banki indishyi, kandi Urukiko rukazitanga. Ubujurire bufite ishingiro. Amategeko yashingiweho: Itegeko ryo kuwa 30/07/1888, rigenga amasezerano cyangwa imirimo nshinganwa, I ry’igitabo cya gatatu cy’urwunge rw’amategeko mbonezamubano, igitabo cya gatatu cy’urwunge rw’amategeko mbonezamubano ngingo ya 258 Nta manza zifashishijwe. Urubanza I. IMITERERE Y’URUBANZA [1] Uru rubanza rwatangiriye mu rukiko rwisumbuye rwa Nyarugenge , Bazambanza Théoneste arega GT Bank LTD ko yamureze kuri station ya Polise i Remera muri dosiye no 433/KE/RMR/GSBO/015, bamushinja kwiba amafaranga kuri konti zayo, urubanza rukaba rwarakurikiranywe ahamwa n’icyaha mu Rukiko Rwisumbuye rwa Nyarugenge mu rubanza RP0613/2015/TGI/NYGE , hashingiwe ku buhamya bw’abantu baribamufitiye umugambi mubi bagiye bamushinja ibinyoma ariko nyuma baza kurekurwa, we akaba yaraje kurekurwa mu bujurire n’Urukiko Rukuru mu rubanza RPA00344/2016/HC/KIG, akaba asaba indishyi zikomoka ku gikorwa cyo ku mufungisha yakorewe na GT BANK kikamwangiriza. GT BANK LTD ikaba yarabihakanaga ivuga ko atariyo yamufungishije isobanura ko ubwo bubasha ari ubw’inzego zigizwe n’ubugenzacyaha n’ubushinjacyaha. [2] Tariki ya 24/1/2020 Urukiko rwisumbuye rwa Nyarugenge rwaciye urubanza ruvuga ko Rwemeye kwakira ikirego rwashyikirijwe na Bazambanza Théoneste rugisuzumye rusanga nta shingiro gifite. Rumutegeka guha GT BANK Ltd igihembo cy’avoka kingana n’ibihumbi magana atanu (500.000Frw) rubishingiye ku kuba ngo Bazambanza Théoneste yarereze banki kandi nawe yivugira ko amafaranga yibwe muri system yayo, akaba atagaragaza ikibazo bari bafitanye cyari gutuma imukurikirana mu rubanza kandi itamuzi akaba yaragiye yitaba inzego zitandukanye z’Ubugenzacyaha n’Ubushinjacyaha zari zashyikirijwe icyo kibazo zikabona ko ari ngombwa ko

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zigikurikirana, kuba ayirega indishyi kandi atagaragaza ko hari umugambi yagize wo kumurega mu nzego zibishinzwe nta mpamvu, urukiko rukaba rusanga akwiye kuyiha indishyi zijyanye n’igihembo cy’avoka zingana na 500.000Frw. [3] Bazambanza ntiyishimiye imikirize y’urubanza ajuririra urukiko rukuru arusaba gusuzuma inenge zikubiye mu rubanza yajuririye zishingiye kukuba umucamanza yarirengagije nkana ko uwatanze ikirego cy'ikurikiranacyaha ari G.T bank; ko amakosa yose yateje ikibazo yakomotse mu bakozi ba GT bank aho batanze OP zikura amafaranga kuri Konte no 214/0107925/001/5118/000 ya Kibuye Hospital yarabereye umukozi; ko GT bank yayandikiye ikamwima ibimenyetso urukiko rukabitesha agaciro kandi ari ishingano z'urwego urwo ariwo rwose gusubiza uwarwandikiye kabone niyo rwamuhakanira cg rukamwemerera. [4] Mu iburanisha ryabaye kuwa 20/9/2022 mu rukiko rukuru Bazambanza yakomeje gusobanura ko ishingiro ry’ubujurire bwe avuga ko uruhare rwa GT BANK aruko abakozi bayo bemeye electronic funds transfer application batashishoje hakibwa amafaranga y’ibitaro bya KIBUYE yakoreraga bigatuma afungwa arengana aribyo byamuteje igihombo kirimo kwirukanwa, guteshwa agaciro, kurwara amaso n’ibindi [5] Bazambanza Théoneste asobanura ko yareze G.T Bank Rwanda LTD kubera amakosa yamukoreye ngo afungwe arengana agahomba ibintu bitandukanye nk’uko yabigaragaje, avuga ko ikosa ryakozwe ryaturutse kubuteshuke by’abakozi ba G.T Bank batanze ordre de payement (Electrronic Fund Transfer Application Form) zakirwa na Systeme ya Bank zitari impimbano hanyuma zigashyirwaho imikono y’impimbano, ayo makosa yose yakozwe n’abakozi ba bank batatanze izo form z’ukuri zigakoreshwa mu buriganya. Igihombo yatewe no kuba abakozi ba GT Bank batanze iyo Electronice Fund Transfer ( (Application Form ) hanyuma zigakoreshwa mu buriganya zigakoreshwa icyaha cyo kwiba kuri konti y’ibitaro bya Kibuye hagatangira gukekwa bamwe mu bakozi b’ibitaro bya Kibuye, batabanje kureba aho inkomyi yaturutse cyangwa uwateje ikibazo bikamuviramo gufungwa ndetse no gusezererwa mu kazi bitari ngombwa, agahomba akazi akishyura abunganizi, ubuzima bukangirika , akaba iciro ry’imigani n’imiryango ye igahura n’ibibazo bitateganyijwe ibi byose byahombejwe na G.T Bank yatanze izo mpapuro Electronice Fund Transfer zitari impimbano, kandi ntanubwo zavuye mu bitaro bya kibuye ngo bibazwe abakozi b’ibitaro bya Kibuye. [6] Bazambanza Théoneste asobanura ko isano iri hagati y’ikosa yakorewe n’igihombo byamuteje ari ikosa ryakomotse ku bakozi ba GT Bank batanze Electronice Fund Transfer ( (Application Form ) zigakoreshwa mu kwiba ibitaro kuri konti y’ibitaro iri muri GT Bank, bigaragara ko aribo batanze amakuru kuri iyo konti, akaba umwe mu bakozi batejwe igihombo kuko yabeshyewe, agafungwa, agatakaza akazi, iyo hatibwa kuri iyo konti y’ibitaro bya Kibuye ntaba yarafuzwe cyangwa ngo abe arega GT Bank, kuba izi Ordre de payment zaremewe na Systeme ya Bank zemeza ko ikosa ryateje igihombo ryakozwe na GT Bank, bikaba bihuye n’icyo itegeko riteganya,- Ingingo ya 258 ry’igitabo cya gatatu cy’urwunge rw’amategeko mbonezamubano, Itegeko ryo kuwa 30/07/1888, rigenga amasezerano cyangwa imirimo nshinganwa ivuga ko igikorwa cyose cy’umuntu cyangirije undi gitegeka nyiri gukora ikosa rigikomokaho kuriha ibyangiritse. Ibi byose ngo bikaba byarirengagijwe n’urukiko rwisumbuye. Bazambanza Théoneste akomeza gusobanura ko Umucamanza yirengagije ko ikirego

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cy'ikurikiranacyaha gitangwa mu izina rya rubanza kuba GT bank ariyo yatanze ikirego kugirango hakorwe iperereza nkuko yabyanditse mu ibaruwa igaragara mu dossier y'urubanza RPA00344/2016/HC/KIG aho yandikiye ubuyobozi b'inzego ziperereza igaragaza Bigirimana na Muhawenimana banasaba ko hakorwa More Investigation ibi bigaragaza ko yashakaga ko hagira n’abandi bafatwa kandi umucamanza ntiyarebye n’impamvu zatumye iriya OP yakirwa na system za BANK kuko iyo biba bidafite ubyihishe inyuma muri bank ntabwo systeme ya bank yari kwakira iriya OP ibikorwa byose byakozwe byakozwe n'abakozi ba Bank haba ugutanga amafaranga y'ibitaro bya Kibuye ntaburenganzira bahawe n'abakozi b'ibitaro haba gutanga ikirego batarebye impamvu iyo OP yatanzwe mo kuko ntiyavuye mu Bitaro bya Kibuye yarabereye umukozi akaba abona amakosa yose yarakomotse kuri GT bank, ibi byose umucamanza wa mbere yarabyirengagije. Bazambanza Théoneste asobanura ko kuvuga ngo ni ubushinjacyaha bwamureze nibyo koko kuko bubifite mu nshingano kandi bubikora mu izina rya rubanda ariwe GT bank kuko ariyo yayishyikirije ikibazo bityo ibyo bakoze bari babiherewe uburenganzira kuko bwashyikirijwe ikirego ntabwo GT bank yigeze ibabuza ku nkurikirana ,umucamanza yirengagije kandi ko kureka ikirego cy'indishyi bidakuraho ikurikiranacyaha kwitwaza ngo ntibaregeye indishyi muri ruriya rubanza ntabwo umucamanza yari kubiha agaciro kuko ntibagaragaza umukozi wa GT bank wakurikiranwe kuri ariya makosa yo kwangiriza Ibitaro bya kibuye bagatanga amafaranga yabyo hagafunga numukozi wabyo. Umucamanza wa TGI yirengagije ko kuba GT bank yariyemeje kwishyura amafaranga y'ibitaro bya Kibuye aruko yari yabakosherereje ibi bigaragazwa n'umutangabuhamya witwa Byiringiro Appollinaire mu ibazwa ye aho yagaragaje ko GT BANK yamaze gusubiza ibitaro amafaranga ibyo rero ngo akaba abishingiraho asaba GT bank indishyi kuko ntakuntu yakwishyura ibitaro amafaranga yabyo ntimwishyure ibyo yatakaje n'ibihombo bikomoka kuri icyo gikorwa ibi byose umucamanza yarabyirengagije maze amwima indishyi akaba asaba ko urukiko rwakosora izo nenge zose maze agahabwa indishyi kuko afite aho ahera azaka kuko bigaragara ko yangirijwe n'ibikorwa GT bank yakoreye Ibitaro bya Kibuye yari abereye umukozi nkuko yabigaragarije ibimenyetso. [7] Bazambanza Théoneste asobanura ko Urukiko Rwisumbuye rwa Nyarugenge rwirengagije ko urubanza narezemo GT bank rwari rushingiye ku rubanza natsinze RPA00344/2016/HC/KIG aho ubuyobozi bwa GT bank bugaragaza mu nyandiko ziri kuro cote ya C8, C10, C13 aho banditse bagaragaza ko << Kibuye Hospital didn't issue any transfer to this benefiary (Muhawenimana Deo) kuba rero bariyemereye ko ibitaro bya Kibuye bitigeze bitanga OP nuko izakoreshejwe zavuye muri GT bank zitanzwe n'abakozi bayo zikaba zarakiriwe na systeme ya Bank kandi na OP zatanzwe zikaba zitaravuye muzo GT bank yahaye ibitaro, byongeye GT bank yiyemeje no kuriha ibitaro iyi engagement ikaba igaragaza ko yarenganyijwe agafungwa. Asobanura ko kugeza ubu GT bank ariyo yagize uruhare mu kurekuza Muhawenimana Deo na Bigirimana Eric kugirango batavuga abakozi ba GT bank bafatanyije byose birangira bambeshyeye ariko ngo aza gufungurwa nkuko Uhagarariye GT bank abyiyemerera kuba hari PV de saisie ya electronic transfer application ifite no 31358 ri kuri cote ya 14,23,56,71 izi zikaba zemerwa na systeme ya bank bikaba byemeza ntaho umucamanza yari buhere amwima indishyi zuko GT bank ariyo yamuteje ibibazo kuko iyo itaza gutanga ziriya OP ntabwo aba yarafunzwe iyo ireka gutanga ikirego cy'ikurikiranacyaha ntaba yarafunzwe, kugeza ubu kuba ihakana ivuga ko ari ubushinjacyaha bikaba ari ukuyobya urukiko kuko ubushinjacyaha buhagarariye rubanda kandi ibyo bukoze bubikora mu izina ry'abaturage iyi nenge ikaba igomba gukosorwa agahabwa indishyi zose uko ngo yazisabye zingana na miliyoni ijana na mirongo ine n’ebyiri (142.000.000).

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[8] Uhagarariye GT Bank avuga ko Ubu bujurire asanga nta shingiro bufite kubera ko Urega yirengagiza ko urwego rw’ubugenzacyaha n’ubushinjacyaha arizo nzego zikurikirana ibyaha, bigakurikiranwa mu nyungu za sosiyete yose kuko bifatwa nkaho biba byakorewe sosiyete twese muri rusange. Kandi izi nzego nazo zikora iperereza ku cyaha cyakozwe zikaregera urukiko akaba arirwo rusuzuma ibimenyetso rwashyikirijwe abo rusanze bahamwa n'icyaha rukabahana abo rusanze kitabahama rukabarekura ari nako byagenze kuri Bazambanza urega GT Bank ntiyumva aho ahera avuga ko ari Bank yamufungishije kuko kandi atariyo yamukurikiranye ho ibyaha yakekwaga ho ndetse ntanagaragaze izindi responsabilités za Guaranty Trust Bank Rwanda plc mu kumukurikirana ngo abe arizo ahuza no kuyiryoza indishyi bityo ibyo avuga tugasanga nta shingiro bikwiye guhabwa. Byongeye n’amabaruwa Bank yandikiye Station ya Police ya Muhima kuwa 18/04/2015 igaragaza abakwiye gukurikiranwa ho icyaha cyo gukoresha inyandiko mpimbano kandi mw’iyo baruwa Bazambanza Theoneste ntawugaragara mo. Ndetse n’ibaruwa yo kuwa 20/04/2015 yasubizaga ibaruwa ya Police yandikiwe Bank kuwa 18/04/2015 yagaragazaga ibisobanuro byimbitse ku cyaha bikekwa ko cyakozwe, nayo ikaba ntaho igaragaza ko Bazambanza Theoneste ari mubakurikiranwa, niba rero inzego zakoze iperereza ku cyaha zarasanze nawe hari impamvu zo kumukurikirana agakurikiranwa nyuma urukiko rugasanga ari umwere, ntitwumva aho abihuriza no kuba GT Bank hari amakosa yamukoreye bityo tukumva ubujurire bwe ntashingiro bukwiye guhabwa. Urukiko rurasuzuma niba hari amakosa GT BANK yakoze akaba ariyo Bazambanza Theoneste ashingiraho ayirega indishyi n’uko izo ndishyi zabarwa. II. GUSESENGURA IBIBAZO BIGIZE URUBANZA Kureba niba GT BANK hari amakosa yakoze byatuma isabwa indishyi no kumenya ingano y’indishyi yacibwa. [9] Bazambanza avuga ko GT BANK amakosa yakoze yaturutse ku bakozi bayo bemeye za OP ko zidafite sinyatire za banyirazo abakozi bayo bemera ko amafaranga y’ibitaro asohoka batabanje kubaza abakozi ba Hopital. Ko yitabaje GT BANK ngo imuhe amashusho yafashwe na camera kugirango ayireguze bakayamwima bikaba byaramuteje akaga ko gufungwa arengana ngo kuko urukiko rukuru rwamugize umwere. [10] GT BANK mu ijwi rya Me Safari Jean Bosco ikavuga ko atariyo yamufunze ko inzego z’ubugenzacyaha n’ubushinjacyaha arizo zamufunze ko GTBANK ntaho ihurira no gufungwa kwe ko ndetse mu nyandiko zatangaga ikirego nta zina rya Bazambanza ririmo. GB BANK ivuga ko ubushinjacyaha cy urukiko batigeze basaba ayo mashusho ngo GTBANK yange kuyatanga ko batari kuyaha Bazambanza kandi ari umuburanyi. UKO URUKIKO RUBIBONA [11] Urukiko rurasanga byari ku nshuro ya kabiri ubwo abibye amafaranga kuri konti ya Kibuye HospitaL bakoresheje OP z’impimbano bari bagarutse kongera kwiba bwa kabiri andi mafaranga y’ibyo bitaro bakoresheje OP z’impimbano nkuko babigenje mbere bivuga ko ubushobozi bwakoreshejwe bafatwa ntibagere ku mugambi wabo nk’uko bawugezeho mbere ,ubu bushobozi iyo buba bwarakoreshejwe na mbere amafaranga y’ibitaro bya Kibuye ntaba yaribwe bikaza gutuma Bazambanza afungwa agahura n’ibibazo nkuko abisobanura abisabira indishyi.

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[12] Urukiko rurasanga kuba GT BANK ihagarariwe na Me... bavuga ko ataribo bafungishije cyangwa ngo babe aribo bafunze Bazambanza kuko kugirango afungwe byakozwe n’ubugenzacyaha n’ubushinjacyaha atari GT BANK yabikoze ;bakongeraho ko mubo basabye ko bakurikiranwa ntazina rya Bazambanza Theoneste ririmo , icyakora urukiko rurasanga ubuteshuke n’ubuteganye buke byakozwe na GT BANK bikozwe n’abakozi bayo aribyo byatumye Bazambanza Theoneste nawe abigenderamo byakongeraho ko GT BANK yasabye ubugenzacyaha gucukumbura cyane iperereza ntinakomeze kubutera inkunga nk’inzobere mu by’amabanki kuko iyo bikorwa ntaho Bazambanza Theoneste utari mu bacunga impapuro zikoreshwa mu mabanki (kuko atari kontabure ntabe na signataire kuri izo mpapuro) yari guhurira n’iryo perereza ngo barinde bamufunga kuko GT BANK yari kumurikira (éclairer)ubugenzacyaha bakaba barabonye ko nta ruhare yagize muri ubwo bujura. Urubanza rw’inshinjabyaha mu bujurire mu rukiko rukuru rwagaragaje ko ntaho Bazambanza yahuriraga na za OP cyane ko atari kontabure ushinzwe kubika inyandiko zikoreshwe mu ma banki (sheke, OP) kuko we yarashinzwe gukora facturation no kwishyuza aba kiliya bagana ibitaro gusa. [13] Urukiko rurasanga kandi Bazambanza agaya GT BANK ko mu gihe yabasabaga kumutabara bakamuha amashusho yafashwe na camera igihe icyaha cyakorwaga nk’icyireguzo cye igihe yakurikiranwaga n’ubushinjacyaha nta cyo bamufashije mu gihe ahubwo bagombaga no kubyibwiriza mbere y’uko abibasaba ariko ntacyo bamufashije kandi bari kubona ko uruhare rwe rutagaragara kuko bari gusanga atarigeze akandagira muri GT BANK uwo munsi. [14] Urukiko rurasanga Bazambanza yaragizwe umwere n’Urukiko Rukuru rushingiye kukuba nta kimenyetso ubushinjacyaha bwagaragaje kuko butashoboye kugaragaza aho ahurira n’ubwo bujura kuko n’ababimushinjaga bagendaga bivuguruza ku mazina kuburyo ntacyashingiweho akurikiranwa ariko ibyo byose bikaba bikomoka ku cyo yise amakosa GT BANK yamukoreye urukiko rukaba rusanga koko iyo abakozi ba GT BANK baza kuba barakoze neza nkuko bakoze ku ncuro ya kabiri bakaburizamo ubujura bwari bugiye gukorwa ntaho Bazambanza Theoneste yari guhurira n’ibya mubayeho. [15] Ingingo ya 258 ry’igitabo cya gatatu cy’urwunge rw’amategeko mbonezamubano, Itegeko ryo kuwa 30/07/1888, rigenga amasezerano cyangwa imirimo nshinganwa ivuga ko igikorwa cyose cy’umuntu cyangirije undi gitegeka nyiri gukora ikosa rigikomokaho kuriha ibyangiritse nubwo ibyo iyi ngingo yavugaga ntakirabivanaho kuko ari ihame ry’amategeko urukiko rusanga iyi ngingo yakurikizwa muri uru rubanza bityo GT BANK ikaryozwa ubuteshuke (negligence ) yakoze byatumye Bazambanza Theoneste afungwa bikamuteza igihombo avuga. Gusuzuma indishyi zasabwe [16] Bazambanza Théoneste asobanura ko asaba Gutegeka GT Bnak Rwanda LTD ibyo yangirijwe n’ibihombo yatejwe aribyo Indishyi zingana na 12 000 000FRW z’akababaro kuko CV ye yarangiritse ( Mauvaise Reputation ) ; Amafaranga yishyuye abunganizi 1250000frw muri TB Bwishyura 200 000frw, TGI Nyarugenge 500 000frws , HC Kigali 550 000frws , amafarangha y’ikurikirana rubanza no gusurwa kuri Gereza kuva 22/07/2015 kugeza 22/07/2016 angana na 1485000frw, Umushahara n’avantage yatakaje 53 859 450frw ; Indishyi zishingiye ku muryango 15 000 000frws ; Indishyi z’ubumuga bw’amaso n’izindi ndwara 57 000 000frw; amafaranga y’ikurikirana rubanza 2600 000frw akubiyemo agizwe n’Indishyi zo kumushora mu manza

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z’amaherere zihwanye na 1 000 000frw, ingwate y’amagarama y’ibigumbi 20000 muri TGI Nyarugenge, ingendo no gutanga ikirego 30 000frw, indishyi zo gusiragizwa 1 550 000frw. [17] Uhagarariye GT Bank avuga ko Urega mu kirego cye avuga ko Guaranty Trust Bank Rwanda plc ngo yamufungishije ndetse akanabisabira indishyi , nyamara aha yirengagiza ko urwego rw’ubugenzacyaha n’ubushinjacyaha arizo nzego zikurikirana ibyaha,bigakurikiranwa mu nyungu za sosiyete yose kuko bifatwa nkaho biba byakorewe sosiyete twese muri rusange nkuko binashimangirwa n’amabaruwa Bank yandikiye Station ya Police ya Muhima kuwa 18/04/2015 igaragaza abakwiye gukurikiranwa ho icyaha cyo gukoresha inyandiko mpimbano kandi mwiyo baruwa Bazambanza Theoneste ntawugaragara mo. Ndetse n’ibaruwa yo kuw 20/04/2015 yasubizaga ibaruwa ya Police yandikiwe Bank kuwa 18/04/2015 yagaragazaga ibisobanuro byimbitse ku cyaha bikekwa ko cyakozwe, nayo ikaba ntaho igaragaza ko Bazambanza Theoneste ari mubakurikiranwa, bityo tukaba tutumva aho yahera avuga ko hari ibyo Bank yamwangirije ngo anabisabire indishyi. Kuba rero yarakurikiranywe ho ibyaha nyuma akagirwa umwere n’urukiko kuri ibyo byaha, ntaho yahera avuga ko ari Bank yamufungishije kuko siyo yamukurikiranye ho ibyaha yakekwaga ho ndetse ntanagaragaza izindi responsabilite za Guaranty Trust Bank Rwanda plc mu kumukurikirana ngo abe arizo ahuza no kuyiryoza indishyi bityo ibyo avuga tugasanga ntashingiro bikwiye guhabwa. UKO URUKIKO RUBIBONA [18] Urukiko rukuru mu bika byabanje rwagaragaje aho ikirego cy’indishyi Bazambanza Theoneste yareze GT BANK gihurira n’imyitwarire yayo idahwitse ariko ibyo Bazambanza asaba agomba kubitangira ibimenyetso akaba ntabyo yagaragarije urukiko nko kubirebana n’aho yavanye miliyoni 12 kubera akababaro yatejwe n’uko CV ye yangiritse akandagazwa kuko gukurikiranwa nyuma ugahinduka umwere ubwabyo ari ibyemeza ko nta cyaha wakoze bityo ibyo kwandagazwa bikaba urukiko rwarabivanishijeho kumugira umwere bikaba bidakwiriye indishyi . [19] Kimwe n’ibindi byose Bazambanza atatangiye ibimenyetso urukiko rukaba rusanga nta ndishyi yabisabira ahubwo rukaba rumugeneye indishyi z’akababaro kubera gufungwa zingana na 2,022,285 hiyongereyeho gusubizwa amafaranga yahaye ba avoka angana 1,250, 000frw n’indishyi z’ikurikiranarubanza za 200 000frw no gusubizwa amagarama yatanze arega mu nkiko. ICYEMEZO CY’URUKIKO Urukiko rukuru, [20] Rwemeje kwakira ubujurire bwa Bazambanza Theoneste rubusuzumye rusanga bufite ishingiro. [21] Rwemeje ko urubanza RC00537/2019/TGI/NYGE rwajuririwe ruhindutse kuri byose [22] Rwemeje ko Guaranty Trust Bank itsinzwe [23] Ruyitegetse kwishyura Bazambanza Theoneste indishyi zo gushorwa mu manza ku maherere za 2,022,285 no kwishyura avoka za 1,250, 000frw.

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[24] Ruyitegetse kwishyura Bazambanza Theoneste indishyi z’ikurikirana rubanza za 200 ,000frw no gusubizwa amagarama yatanze mu manza hose.