Socialite Azziad Nasenya Accuses Sacco of Shortchanging Her in Sh25 Million Kileleshwa Apartment Auction Scandal

Nairobi — Digital sensation and socialite Azziad Nasenya has taken the fight of her life to the Commercial Court, accusing a powerful Nairobi-based Sacco of orchestrating a scheme to unlawfully auction off her luxurious Kileleshwa apartment valued at Sh25 million, despite her claims of having cleared all arrears.

In a case that has sent shockwaves through the influencer and financial sectors, the 25-year-old actress and content creator alleges that Qona Deposit Taking Sacco is attempting to grab her property through what she describes as a “malicious and fraudulent auction plot.”

According to court filings, Azziad joined the Sacco in 2023 and was granted a mortgage facility of Sh20.3 million in April 2024 to purchase the high-end apartment.

She immediately began making monthly repayments and had already paid close to Sh900,000 before financial difficulties temporarily slowed her payments.

But what began as a minor delay quickly spiraled into a nightmare.

By September 2025, Azziad owed Sh1.5 million in arrears — a debt she says was fully cleared when the Sacco deducted Sh2.45 million directly from her savings account on September 19, 2025.

Barely five days later, however, she was blindsided by an auction notice published on September 24, 2025, declaring that her apartment would be sold on October 8, 2025, over an alleged debt of Sh21.88 million — a figure she calls “grossly inflated and fabricated.”

“I legally acquired the property and cleared my arrears. The institution is now unlawfully attempting to recall the entire loan and sell my home,” Azziad said in her sworn affidavit.

Azziad’s legal team accuses the Sacco of deliberately undervaluing the property and misleading potential buyers by describing it as a three-bedroom unit instead of its actual four-bedroom configuration, effectively lowering its market value and making it easier to dispose of.

She also claims that the statutory notices required under the Land Act were never properly served, rendering the entire auction process illegal.

Her lawyers argue that the Sacco’s conduct amounts to breach of contract, bad faith, and abuse of power, given that the loan account was not in default at the time the auction notice was issued.

The influencer, who still resides in the apartment, is seeking a permanent injunction barring the Sacco and the auctioneer from selling or interfering with her property, alongside damages for emotional distress and reputational harm.

The dispute has ignited a fierce debate online, with many Kenyans questioning how a young woman celebrated for her success and financial discipline could suddenly find herself in such a dire situation.

Others see it as yet another example of predatory lending and impunity within Kenya’s cooperative movement, where small depositors often find themselves at the mercy of powerful financial boards.

Legal experts say the case will test the strength of borrower protection laws under the Land Act and the Banking (Credit Reference Bureau) Regulations, particularly on whether a Sacco can proceed with a forced sale after clearing of arrears.

The matter is now before the Commercial and Tax Division of the High Court, with the judge expected to issue interim orders on whether to suspend the auction pending full determination.

As the case unfolds, Azziad — once hailed as the face of Kenya’s digital economy — finds herself at the center of a high-stakes financial scandal that could redefine how mortgage disputes involving Saccos are handled in the country.

If the court rules in her favor, it could expose what one lawyer described as “systemic exploitation hiding behind the cooperative movement.” But if she loses, it will mark a painful lesson in the fine print of Kenya’s murky mortgage market.