Social media has been buzzing with a picture of a writing on the walls of an alleged loan defaulter. The writings also allege that QUICK CREDIT, a popular loans company, is the person behind the writings. Let me say here that I have not done any independent check to confirm if Quick Credit is behind the writings on the walls of the person and this article is not in any way intended to take-on the said company but rather provide general advice to the public at large. This “quick credit” defaulter and other issues concerning how companies treat customers who default in paying loans has inspired my decision to take up this topic and share a few tips to both individuals and companies alike.   This Article will throw some light on the rights of a defaulter as well as the right of the creditor and what the two parties can safely do to ensure they do not fall at the wrong side of the law.   To set the tone, let me share the story of a client whose name I cannot mention. This client took a

  I read with dismay a circular dated 13 th April, 2023, authored and circulated by the Ministry of Health to directorates, institutions and affiliate bodies under the Ministry. The Ministry’s directive is simply to remind these institutions that it has seen some Senior Staff in the Health Sector engaging in active partisan political activities. And that the Ministry is warning those Senior Staff to abreast themselves of the under listed guidelines and sanctions attached thereon, which guidelines and sanctions were culled from the Human Resource Management Policy and Manual for the Ghana Public Services particularly at pages 104 to 105: i.                    A Public Servant shall not openly participate in partisan political activities, seek political office whilst still in the public service or use Government facilities, equipment or resources to assist any candidate seeking elected political office. ii.                  A Public Servant shall not act in a manner or assume a posi