A spam folder bought a lender an injunction against a garnishee

The ODPC's notification emails about a KES 250,000 complaint had landed in the lender's spam folder — the company only found out about the determination when the complainant showed up demanding payment, by which point a Garnishee Order Nisi had already been served on Safaricom. Rather than treating the missed emails as the company's own administrative failure (as the complainant argued), the Court accepted spam filtering as a genuine, non-inordinate explanation for a 14-day delay, admitted the appeal out of time, and — because reputational and regulatory harm to a financial institution isn't fully cured by a later refund — froze the garnished funds pending appeal.