URUBANZA N°R.COM A 00213/2016/CHC/HCC Urupapuro rwa 1

URUBANZA N°X.XXX A 00213/2016/CHC/HCC Urupapuro rwa 1

URUKIKO RUKURU RW’UBUCURUZI RURI I KIGALI, RUHABURANISHIRIZA KU RWEGO RW’UBUJURIRE, RUCIYE URUBANZA N°X.XXX A 00213/2016/CHC/HCC MU BURYO BUKURIKIRA NONE KU WA 30/12/2016 :

ABABURANYI

BANQUE DE KIGALI LIMITED (BK Ltd), ihagarariwe n’Umuyobozi Mukuru wayo uburanirwa na Me MUNYANEZA Rémy. UWAJURIYE.

RWANDA DISCOVERY & TRAVEL AGENCY Ltd, ibarizwa muMudugudu w’Ikana, mu Kagali k’Abasengerezi, Umurenge wa Muhima, Akarere ka Nyarugenge, Umujyi wa Kigali, ihagarariwe n’Umuyobozi Mukuru wayo yunganirwa na Me MUSABYIMANA Aphrodis. UREGWA.

IKIREGO

Kujuririra urubanza X.XXX 1738/15/TC/NYGE rwaciwe n’Urukiko rw’Ubucuruzi rwa Nyarugenge tariki ya 205/04/2016 (Kuba Bank of Kigali imaze kuvana amadolari USD 70,454.61 kuri konti 00000-0000000-00 USD ya Rwanda Discovery & Travel Agency Ltd mu buryo bw’uburiganya; Indishyi zinyuranye.)

I. IMITERERE Y’URUBANZA MU NCA MAKE

[1] RWANDA DISCORVERY AND TRAVEL AGENCY Ltd yareze BK Ltd kuba yarayikuriye amadorali ahwanye na 70,454.61 USD kuri konti, ikaba isaba ko ayo madorali adafatwa nk’umwenda ndetse igasaba ko BK Ltd itegekwa kuyishyura indishyi zitandukanye.

[2] RWANDA DISCOVERY & TRAVEL AGENCY Ltd yasobanuye ikirego cyayo ivuga ko BK Ltd itarubahirije amasezerano bagiranye kubera y’uko yavanye kuri konti yayo amadolari angana na USD 70,454.51 ikoze “chargeback” nyamara idateganyijwe mu masezerano bagiranye muri 2013.

[3] BK Ltd yireguye ivuga ko ibyo RWANDA DISCOVERY & TRAVEL AGENCY Ltd ivuga nta shingiro bifite kubera ko vsa chargeback iteganyijwe mu masezerano. Yavuze RWANDA DISCOVERY & TRAVEL AGENCY Ltd yagiranye amasezerano nayo kugira ngo ihabwe imashini yakira ubwishyu bunyujijwe mu ikarita y’ikoranabuhanga (Point of Sale), hifashishijwe ubwo buryo abaguzi cyangwa abakenera servisi bishyura bakoresheje ikarita (Credit Card) iyo rero hari umuguzi wishyuye muri ubwo buryo, Banki (Acquirer) yatanze iyo mashini (Point of Sale) yishyura amafaranga y’ubwo buguzi cyangwa bw’iyo servisi kuri konti y’umucuruzi watanze iyo servisi.

[4] Yavuze ko iyo imaze gushyira ayo mafaranga kuri konti y’umucuruzi, isaba Banki (Issuing Bank) yahaye ikarita umuguzi, kuyisubiza ayo mafaranga ariko ko hari igihe ikarita ikoreshwa nyirayo atabitangiye uburenganzira, iyo bigenze bityo nyirikarita amenyesha banki (Issuing Bank) yamuhaye ikarita ko yakoreshejwe nta buranganzira abitangiye, Banki ya nyirikarita isubiza nyirikarita amafaranga nayo igasaba Banki (Acquirer) y’umucuruzi kuyisubiza ayo mafaranga, Banki y’umucuruzi itanga ayo mafaranga maze igasigara yishyuza umucuruzi. Ivuga ko xxx xxx byagenze mu kibazo yagiranye na RWANDA DISCOVERY & TRAVEL AGENCY Ltd kuko BK Ltd yasubije amafaranga y’aba clients bakoresherejwe amakarita na RWANDA DISCOVERY & TRAVEL AGENCY Ltd batabitangiye uburenganzira, BK Ltd yasabye RWANDA DISCOVERY & TRAVEL AGENCY Ltd kugaragaza xxx abaclients batangiye uburenganzira kugira ngo amakarita yabo akoreshwe, RWANDA DISCOVERY & TRAVEL AGENCY Ltd ntiyabasha kubitanga, bisobanuye ko RWANDA DISCOVERY & TRAVEL AGENCY Ltd yakoresheje amakarita ba nyirayo batabitangiye uburenganzira. Yavuze ko yo gusubiza ayo mafaranga, yagombaga kuyisubiza iyakuye kuri konti ya RWANDA DISCOVERY & TRAVEL AGENCY Ltd ariko ikibazo xxx xxx yasanze kuri konti nta madorali ariho kuko yari yarabikujwe, akaba ariyo mpamvu konti ya RWANDA DISCOVERY & TRAVEL AGENCY Ltd yagiye muri négatif (munsi ya zero).

[5] Urukiko rw'Ubucuruzi rwa Nyarugenge rwaciye urubanza rwemeza ko hashingiwe ku masezerano RWANDA DISCOVERY & TRAVEL AGENCY Ltd yagiranye na BK Ltd ku wa 29/10/2013 nta chargeback iteganyijwe, BK Ltd ntaho ishingira ikuraho amafaranga kuri konti ya RWANDA DISCOVERY & TRAVEL AGENCY Ltd, bityo ikaba rero chargebacks zose zakozwe kuri konti ya RWANDA DISCOVERY & TRAVEL AGENCY Ltd zikaba zigomba xxxxxxxx xxxxxxx kiko zakozwe binyuranyije n’amategeko. Rwemeje xxxxx xx BK Ltd igomba kwishyura RWANDA DISCOVERY & TRAVEL AGENCY Ltd Frw 500.000 y’ikurikiranarubanza na Frw 500.000 y’igihembo cy’Avoka.

[6] BK Ltd yajuririye urwo rubanza ku mpamvu zikurikira:

- Kuba Urukiko rwa mbere rwaremeje ko BK Ltd ntaho yashingiye ikura amadorali kuri konti ya RWANDA DISCOVERY & TRAVEL AGENCY Ltd, bityo rwemeza ko byakozwe mu buryo bunyuranyije n'amategeko; nyamara Urukiko rukaba rwarirengagije amasezerano yabaye hagati y'impande zombi, ndetse Urukiko rukaba rutarigeze rusaba RWANDA DISCOVERY & TRAVEL AGENCY Ltd ikimenyetso cy'ayo madorali nk’uko byasabwe na BK Ltd.

[7] Isobanura iyo mpamvu y’ubujurire ivuga ko Urukiko rwirengagije ibimenyetso n'ibisobanuro yaruhaye, bigaragaza ko RWANDA DISCOVERY & TRAVEL AGENCY Ltd yakuraga amafaranga ku ba clients batasabye service, uburyo byakorwagamo hifashishwaga ikoranabuhanga, aha ikimenyetso kibigaragaza ko bibaho n'urubanza RP 0180/15/TB/KCY xxx uwaregwaga icyo cyaha yabyemeye akanasobanura uburyo bikorwamo. Irasaba ndetse uru Rukiko ko rwashingira ku mabwiriza agenga imyishyurire inyuze mu ikoranabuhanga rya VISA.

- Kuba Urukiko rwaremeje ko BK Ltd yishyura RWANDA DISCOVERY AND TRAVEL AGENCY Ltd amafaranga y'ikurikiranarubanza n'igihembo cy'Avoka ahwanye na miliyoni imwe (Frw 1.000.000) nyamara nta shingiro bifite kuko ibyo yakoze byose yabikoze mu buryo bukurikije amategeko, bityo RWANDA DISCOVERY AND TRAVEL AGENCY Ltd akaba ariyo yishoye mu manza z'amaherere.

[8] BK Ltd irasaba Urukiko gutegeka RWANDA DISCOVERY AND TRAVEL AGENCY Ltd kuyishyura indishyi zo gushorwa mu manza z'amaherere zihwanye na miliyoni ebyiri (Frw 2.000.000).

[9] BK Ltd irasaba Urukiko gutegeka RWANDA DISCOVERY AND TRAVEL AGENCY Ltd kuyishyura amafaranga y'ikurikiranarubanza n'igihembo cy'avoka ahwanye na milyoni eshatu (Frw 3.000.000).

[10] RWANDA DISCOVERY & TRAVEL AGENCY Ltd yireguye mu buryo bukurikira;

[11] Ku bijyanye n’impamvu ya mbere y’ubujurire, ivuga ko nta shingiro ifite kuko Urukiko rwagendeye ku masezerano yabaye hagati y'impande zombi nk’uko bigaragara ku rupapuro rwa 3, igika cya 8 cy'urubanza rujuririrwa xxx Umucamanza yavuze ko nta CHARGE BACK iteganyijwe muri ayo masezerano. Ivuga xxxxx xx ntabwo ariyo yari gusabwa ikimenyetso cy'ayo madorali BK Ltd ivuga kuko atariyo byarebaga.

[12] Ivuga ko RWANDA DISCOVERY AND TRAVEL AGENCY Ltd ari ikigo cy’ubucuruzi kigurisha ama tike (tickets) y’indege zitandukanye maze kwishyurana hagati y’ikigo gitanze iyo tike n’uyihawe bigakorwa hifashishijwe akamashini ka Visa ariko bita “Visa payment machine” ku badashobora kwishyura amafaranga mu ntoki; ariko ko kubera ko imyishyuranire yose ikoresheje ako kamashini ka Visa isaba ko haba xxxx Xxxxx ikorana n’ikigo gishinzwe Visa ku isi cyitwa Visa Inc. (incorporated) ikaba ariyo inyuzwamo amafaranga yishyuwe n’abahawe amatike y’indege; Banki rero ikorana na Visa Inc ikaba ari BK Ltd xxx xxxx inyuzwamo ayo mafaranga yishyurwa. Ivuga ko xxx xxxx urwo rwego amafaranga yose yishyurwaga ku matike yatanzwe na RWANDA DISCOVERY AND TRAVEL AGENCY Ltd yanyuzwaga xxxx XX Ltd maze iyi nayo ikayohereza kuri Konti y’ikigo cyishyuwe. Ivuga ko konti 00000-0000000-00 USD iri muri XX xxxxx yishyurirwagaho amafaranga yose y’amatike RWANDA DISCOVERY AND TRAVEL AGENCY Ltd yabaga yagurishije kuva ku wa 04/11/2013, xxx xxxx nyir’iyo konti yashyiragaho akanakuraho amafaranga nta mbogamizi.

[13] Ivuga ko ku wa 08/07/2015, yaje gutungurwa no kubona kuri ya konti yayo BK Ltd yaravanyeho amadolari angana na 70,454.61 USD ngo xxxxx xxx aya VISA CHARGEBACK, idateganyijwe mu masezerano ikigo cyagiranye na BK Ltd, bituma Umuyobozi wayo yandikira BK Ltd ayibaza impamvu bakura amafaranga kuri konti yabo mu buryo butazwi ariko ntiyagira icyo imusubiza ahubwo ikaba yarababwiye ko kuri telefoni ko ngo habaye uburiganya kuri za Visa cards z’abaguze amatike y’indege na RWANDA DISCOVERY AND TRAVEL AGENCY Ltd, ngo akaba ariyo mpamvu amafaranga yari yarishyuwe ku matike Banki yayasubije abari bishyuye, bivuga ngo abaguze amatike bahawe amatike banasubizwa n’amafaranga bari batanze kuri ayo matike.

[14] RWANDA DISCOVERY AND TRAVEL AGENCY Ltd ivuga ko ibonamo uburiganya muri bene iyo mikorere kuko nta “CHARGEBACK” iteganyijwe mu masezerano bagiranye, kandi nta mu kiliya wigeze ayigezaho ikibazo cyavuzwe na BK Ltdi, nta n’ikimenyetso kigaragaza ibyo BK Ltd ivuga, na none kandi ibyakozwe na BK Ltd bikaba bitarigeze bimenyeshwa RWANDA DISCOVERY AND TRAVEL AGENCY Ltd nk’uko amasezerano bagiranye ibiteganya.

[15] Ku bijyanye n’impamvu ya kabiri, RWANDA DISCOVERY & TRAVEL AGENCY Ltd yiregura ivuga ko no ku bijyanye n’indishyi Urukiko rwashingiye ku masezerano impande zombi zaragiranye kuko BK Ltd yakuyeho amadolari kuri konti ya RWANDA DISCOVERY & TRAVEL AGENCY Ltd kandi bidateganyijwe mu masezerano, bityo ikaba igomba kuryozwa indishyi.

[16] Ku bijyanye n’igihembo cy’Avoka ndetse n'ikurikiranarubanza BK Ltd isaba mu bujurire, yiregura ivuga ko bidashoboka kuko BK Ltd idashobora kwitwaza amakosa yayo ngo iyasabireho indishyi hakurikijwe ihame ry’amategeko ‘’Nemo auditur propriam turpitudinem allegans’’.

[17] RWANDA DISCOVERY & TRAVEL AGENCY yatanze ubujurire bwururiye ku bundi ivuga ko imaze kubona ko BK Ltd ikomeje kuyihangayikisha iyitera guhangayika kubera kutagira icyo ishobora gukora kijyanye n'ubucuruzi bwayo yakoraga kuko yafunze konti yayo ndetse n'imashini yakoreshaga yafunzwe na BK Ltd, akazi karahagaze kandi BK Ltd yayigambaniye ku yandi ma banki, iyishyirisha muri CRB, ku buryo ubu ikaba iri mu masosiyete ya ba bihemu, idashobora kubona inguzanyo muri banki iyo ariyo yose, ibyo byose rero ikaba ibisabira indishyi zingana na Frw 6.000.000 cyane ko yari yasabye Frw 5.000.000 mu rwego rubanza ariko Umucamanza akaba atarazitanze ku mpamvu itamenye.

[18] Irasaba na none kandi Frw 2.000.000 z'igihembo cy’Avoka na Frw 1.000.000 z'ikurikiranarubanza zo xxxx XX Ltd ikomeje kuyishora mu nkiko bituma yiyambaza umu avoka wakurikiranye uru rubanza ndetse akanaruburana.

[19+ Ibibazo bisuzumwa muri uru rubanza n’ibikurikira:

- Kumenya xxxx XX Ltd yakuyeho amadolari kuri konti ya RWANDA DISCOVERY & TRAVEL AGENCY Ltd mu buryo bunyuranyije n’amategeko, bityo ikaba igomba kuyasubiza.

- Kumenya xxxx XX Ltd yagombaga gucibwa indishyi z’ikurikiranrubanza n’igihembo cy’Avoka.

- Kumenya xxxx XX Ltd igomba indishyi zo gushorwa mu manza z'amaherere zihwanye na miliyoni ebyiri (Frw 2.000.000) n’’amafaranga y'ikurikiranarubanza n'igihembo cy'Avoka ahwanye na milyoni eshatu (Frw 3.000.000).

- Kumenya niba RWANDA DISCOVERY & TRAVEL AGENCY Ltd igomba guhabwa indishyi zingana na Frw 6.000.000 zo xxxx XX Ltd ikomeje kuyihangayikisha no guhabwa Frw 2.000.000z'igihembo cy/Avoka na Frw 1.000.000 z'ikurikiranarubanza.

II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA

A- Kumenya xxxx XX Ltd yakuyeho amadolari kuri konti ya RWANDA DISCOVERY & TRAVEL AGENCY Ltd mu buryo bunyuranyije n’amategeko, bityo ikaba igomba kuyasubiza.

[20] Urukiko rw'Ubucuruzi rwa Nyarugenge rwaciye urubanza rwemeza ko hashingiwe ku masezerano RWANDA DISCOVERY & TRAVEL AGENCY Ltd yagiranye na BK Ltd ku wa 29/10/2013 nta chargeback iteganyijwe, BK Ltd ntaho ishingira ikuraho amafaranga kuri konti ya RWANDA DISCOVERY & TRAVEL AGENCY Ltd, bityo ikaba rero chargebacks zose zakozwe kuri konti ya RWANDA DISCOVERY & TRAVEL AGENCY Ltd zikaba zigomba xxxxxxxx xxxxxxx kuko zakozwe binyuranyije n’amategeko.

[21] BK Ltd yajuririye icyo cyemezo ivuga ko kuba Urukiko rwa mbere rwaremeje ko ntaho yashingiye ikura amadorali kuri konti ya RWANDA DISCOVERY & TRAVEL AGENCY Ltd,rukaba rwarirengagije amasezerano yabaye hagati y'impande zombi, ndetse Urukiko rukaba rutarigeze rusaba RWANDA DISCOVERY & TRAVEL AGENCY Ltd ikimenyetso cy'ayo madorali nkuko byasabwe na BK Ltd.

[22] Isobanura iyo mpamvu y’ubujurire ivuga ko Urukiko rwirengagije ibimenyetso n'ibisobanuro yaruhaye, bigaragaza koRWANDA DISCOVERY & TRAVEL AGENCY Ltd yakuraga amafaranga ku ba clients batasabye service, uburyo byakorwagamo hifashishwaga ikoranabuhanga, aha ikimenyetso kibigaragaza ko bibaho n'urubanza RP 0180/15/TB/KCY xxx uwaregwaga icyo cyaha yabyemeye akanasobanura uburyo bikorwamo.

[23] BK Ltd irasaba uru Rukiko ko gushingira ku mabwiriza agenga imyishyurire inyuze mu ikoranabuhanga rya VISA.

[24] Ku bijyanye n’impamvu ya mbere y’ubujurire, RWANDA DISCOVERY & TRAVEL AGENCY Ltd ivuga ko nta shingiro ifite kuko Urukiko rwagendeye ku masezerano yabaye hagati y'impande zombi nk’uko bigaragara ku rupapuro rwa 3, igika cya 8 cy'urubanza rujuririrwa xxx Umucamanza yavuze ko nta chargeback ziteganyijwe muri ayo masezerano. Ivuga xxxxx xx ntabwo ariyo yari gusabwa ikimenyetso cy'ayo madorali BK Ltd ivuga kuko atariyo byarebaga.

[25+ Isobanura iyo mpamvu y’ubujurire ivuga ko RWANDA DISCOVERY AND TRAVEL AGENCY Ltd ari ikigo cy’ubucuruzi kigurisha ama tike (tickets) y’indege zitandukanye maze kwishyurana hagati y’ikigo gitanze iyo tike n’uyihawe bigakorwa hifashishijwe akamashini ka Visa ariko bita “Visa payment machine” ku badashobora kwishyura amafaranga mu ntoki; ariko ko kubera ko imyishyuranire yose ikoresheje ako kamashini ka Visa isaba ko haba xxxx Xxxxx ikorana n’ikigo gishinzwe Visa ku isi cyitwa Visa Inc. (incorporated) ikaba ariyo inyuzwamo amafaranga yishyuwe n’abahawe amatike y’indege; Banki rero ikorana na Visa Inc ikaba ari BK Ltd xxx xxxx inyuzwamo ayo mafaranga yishyurwa. Ivuga ko xxx xxxx urwo rwego amafaranga yose yishyurwaga ku matike yatanzwe na RWANDA DISCOVERY AND TRAVEL AGENCY Ltd yanyuzwaga xxxx XX Ltd maze iyi nayo ikayohereza kuri Konti y’ikigo cyishyuwe. Ivuga ko konti 00000-0000000-00 USD iri muri XX xxxxx yishyurirwagaho amafaranga yose y’amatike RWANDA

DISCOVERY AND TRAVEL AGENCY Ltd yabaga yagurishije kuva ku wa 04/11/2013, xxx xxxx nyir’iyo konti yashyiragaho akanakuraho amafaranga nta mbogamizi.

[26] Ivuga ko ku wa 08/07/2015, yaje gutungurwa no kubona kuri ya konti yayo BK Ltd yaravanyeho amadolari angana na 70,454.61 USD ngo xxxxx xxx aya VISA CHARGEBACK, idateganyijwe mu masezerano ikigo cyagiranye na BK Ltd, bituma Umuyobozi wayo yandikira BK Ltd ayibaza impamvu bakura amafaranga kuri konti yabo mu buryo butazwi ariko ntiyagira icyo imusubiza ahubwo ikaba yarababwiye ko kuri telefoni ko ngo habaye uburiganya kuri za Visa cards z’abaguze amatike y’indege na RWANDA DISCOVERY AND TRAVEL AGENCY Ltd, ngo akaba ariyo mpamvu amafaranga yari yarishyuwe ku matike Banki yayasubije abari bishyuye, bivuga ngo abaguze amatike bahawe amatike banasubizwa n’amafaranga bari batanze kuri ayo matike.

[27] RWANDA DISCOVERY AND TRAVEL AGENCY Ltd ivuga ko ibonamo uburiganya muri bene iyo mikorere kuko nta “chargeback” iteganyijwe mu masezerano bagiranye, kandi nta mu kiliya wigeze ayigezaho ikibazo cyavuzwe na BK Ltdi, nta n’ikimenyetso kigaragaza ibyo BK Ltd ivuga, na none kandi ibyakozwe na BK Ltd bikaba bitarigeze bimenyeshwa RWANDA DISCOVERY AND TRAVEL AGENCY Ltd nk’uko amasezerano bagiranye ibiteganya

[28] Ku bijyanye n’icyo kibazo, Urukiko rusanze ko xxxx XX Ltd ijuriririra ivuga Urukiko rwarirengagije amasezerano yabaye hagati y'impande zombi ndetse rukaba rutarigeze rusaba RWANDA DISCOVERY & TRAVEL AGENCY Ltd ikimenyetso cy'ayo madorali nk’uko yabisabye, ibyo bikaba nta shingiro bifite kubera ko Urukiko rwasobanuye neza mu gika cya 8 cy’urubanza rujuririrwa ko nta chargeback iteganyijwe mu masezerano impande zombi zagiranye ku wa 29/10/2013, bityo BK Ltd mu gukuraho amafaranga ya chargeback kuri konti ya RWANDA DISCOVERY & TRAVEL AGENCY Ltd ikaba yarakoze ibinyuranyije n’amasezerano. Rusanze xxxxx xx xxxx XX Ltd ivuga ko nta bimenyetso Urukiko rubanza rwagaragarijwe na RWANDA DISCOVERY & TRAVEL AGENCY Ltd, ibyo bikaba nta shingiro bifite kubera y’uko muri dosiye y’urubanza rujuririrwa hagaragaramo kuri Cote 33 kugeza kuri Cote 240 ibimenyetso by’amatike y’indege yaguzwe hakoreshejwe urubuga rwa interineti.

[29] Rusanze nyamara ko nubwo BK Ltd mu gukuraho chargeback kuri konti ya RWANDA DISCOVERY & TRAVEL AGENCY Ltd yirengagije amasezerano bagiranye, RWANDA DISCOVERY & TRAVEL AGENCY Ltd mu kugurisha amatike yifashije urubuga rwa interineti ituma idasaba abo ivuga ko baguze ayo matike gusinya bagaragaza ko bemeye ko amafaranga akurwa kuri konti yabo hakoreshejwe visa cards xxxx xx’uko biteganywa n’ingingo ya 6, igika cya 2 y’amasezerano yagiranye na BK Ltd ivuga ko RWANDA DISCOVERY & TRAVEL AGENCY Ltd igomba gusuzuma niba ticket (agapapuro gasohoka kuri mashini ya Visa nyuma y’uko karita yinjiyemo kugira ngo yishyure amafaranga y’icyaguzwe)1, ibyo bikaba bivugwa mu magambo y’icyongereza akurikira: “In the payment the Merchant shall: ...check wheter the ticket is signed by the customer.”

1 Inyemezabwishyu.

[30] Rusanze ko kuba RWANDA DISCOVERY Ltd itarasabye abaguze amatike y’indege hakoreshejwe visa cards gusinya ariko akavuga mu myiburanire yayo ko bitari gukunda kubera ko baguze hakoreshejwe intereniti, akaba yarishe amasezerano kuko niba ingingo ya 6 yayo iyisaba gusuzuma niba uwaguze yasinye tike, bikaba bivuga ko hatagomba gukoreshwa uburyo bwo kugura bituma tike idasinywa n’uwaguze kuko ikigaragaza ko uwaguze ariwe wemeye ko amafaranga akurwa kuri konti ye xxx xxx asinye kuri iyo tike isohoka nyuma y’uko visa card ye ikoreshwa mu kwishyura icyaguzwe.

[31] Rusanze rero ko impande zombi zirengagije amasezerano bagiranye ku wa 29/10/2013 kubera ko ku ruhande rumwe, RWANDA DISCOVERY & TRAVEL AGENCY Ltd yagurishije amatike y’indege ikoresheje urubuga rwa interineti bituma idasaba abaguze ayo matike gusinya kuri tike (inyemezabwishyu) ya visa cards zakoreshejwe mu kwishyura ayo matike kugira ngo hagaragazwe koko ko aribo baguze ayo matike baguze ayo matike bakoresheje visa cards yabo; ku rundi ruhande BK Ltd nayo yishe amasezerano kubera ko yafashe icyemezo cyo gukuraho amafaranga y’ayo matike y’indege RWANDA DISCOVERY & TRAVEL AGENCY Ltd yagurishije hakoreshejwe interineti yitwaza ko abanyira visa cards zakoreshejwe bahakanye ko bigeze bagura amatike y’indege bakoresheje visa cards zabo, nyamara gukuraho ayo mafaranga cyangwa se chargeback bidateganyijwe mu masezerano yagiranye na RWANDA DISCOVERY & TRAVEL AGENCY Ltd cyane cyane ko itigeze ishyikiriza Urukiko amazina na historique ya konti z’abakiliya bayo bayisabye kuri telefone gusubizwa amafaranga y’amatike y’indege yaba yarakuwe kuri visa cards zabo mu buryo bunyuranyije n’amategeko nk’uko Urukiko rwayitegetse mu cyemezo cyafashwe ku wa 29/07/2016.

[32] Bityo, rukaba rusanga ko impande zombi zakoze amakosa yo kutubahiriza igice cy’amasezerano, zikaba rero zigomba kwirengera ayo makosa hakurikijwe igice cy’amasezerano xxxxx nk’uko biteganywa n’ingingo ya 81, igka cya 2, y’Itegeko rigenga amasezerano ivuga ko Kwica igice cy’amasezerano bitanga uburenganzira ku ndishyi z’akababaro zishingiye gusa ku xxxx xx’ inshingano zisigaye zo gukora igisabwa.

[33] Rusanze ko RWANDA DISCOVERY & TRAVEL AGENCY Ltd yasabye Urukiko mu kirego cyayo yatanze ku rwego rwa mbere gusubizwa USD 70,454.61 BK Ltd yakuwe kuri konti ye 00040- 0478647-15 USD mu buryo bunyuranyije n’amategeko. Rusanze ko Urukiko rw’Ubucuruzi rwa Nyarugenge rwemeje ko BK Ltd yakoze amakosa koko yo gukuraho ayo mafaranga (chargeback) kuri konti ya RWANDA DISCOVERY & TRAVEL AGENCY Ltd, maze xxxxxxx xxxxxxx chargeback zakozwe kuri konti zifite agaciro ka USD 70,454.61. Rusanze ariko ko Urukiko rubanza rutasesenguye neza urubanza kubera y’uko bigaragara ko RWANDA DISCOVERY & TRAVEL AGENCY Ltd nayo yishe amasezerano nk’uko byasobanuwe haruguru. Kubera iyo mpamvu, rukaba rusanga ko chargebacks zakozwe kuri konti yavuzwe haruguru ya RWANDA DISCOVERY & TRAVEL AGENCY Ltd zigomba xxxxxxxx xxxxxxx ari izifite agaciro ka USD 70,454.61 : 2 zihwanye na USD 35,227.3 kuko buri ruhande rugomba kwirengera amakosa yo kutubahiriza amasezerano yagize.

URUBANZA N°X.XXX A 00213/2016/CHC/HCC Urupapuro rwa 8

B- Kumenya xxxx XX Ltd yagombaga gucibwa indishyi z’ikurikiranrubanza n’igihembo cy’Avoka.

[34] BK Ltd yajuririye ivuga ko Urukiko rubanza rwemeje ko igomba kwishyura RWANDA DISCOVERY AND TRAVEL AGENCY Ltd amafaranga y'ikurikiranarubanza n'igihembo cy'Avoka ahwanye na miliyoni imwe (Frw 1.000.000) nyamara nta shingiro bifite kuko ibyo yakoze byose yabikoze mu buryo bukurikije amategeko, bityo RWANDA DISCOVERY AND TRAVEL AGENCY LTD akaba ariyo yishoye mu manza z'amaherere.

*35+ RWANDA DISCOVERY & TRAVEL AGENCY Ltd yiregura ivuga ko ku bijyanye n’indishyi Urukiko rwashingiye ku masezerano impande zombi zaragiranye kuko BK Ltd yakuyeho amadolari kuri konti ya RWANDA DISCOVERY & TRAVEL AGENCY Ltd kandi bidateganyijwe mu masezerano, bityo ikaba igomba kuryozwa indishyi.

*36+ Urukiko rusanze ko kubera y’uko RWANDA DISCOVERY & TRAVEL AGENCY Ltd nayo yakoze amakosa yo kutubahiriza amasezerano bigatuma ikurwaho amafaranga kuri konti yayo mu buryo budakurikije amasezerano, ikaba rero itaragmba kugenerwa indishyi kuko ariyo yishoye muri icyo kibazo.

C- Kumenya xxxx XX Ltd igomba guhabwa indishyi zo gushorwa mu manza z'amaherere zihwanye na miliyoni ebyiri (Frw 2.000.000) n’’amafaranga y'ikurikiranarubanza n'igihembo cy'Avoka ahwanye na milyoni eshatu (Frw 3.000.000).

[37] BK Ltd irasaba Urukiko gutegeka RWANDA DISCOVERY AND TRAVEL AGENCY Ltd kuyishyura indishyi zo gushorwa mu manza z'amaherere zihwanye na miliyoni ebyiri (Frw 2.000.000).

*38+ RWANDA DISCOVERY & TRAVEL AGENCY Ltd yiregura ivuga ko ku bijyanye n’igihembo cy’Avoka ndetse n'ikurikiranarubanza BK Ltd isaba mu bujurire, bidashoboka kuko BK Ltd idashobora kwitwaza amakosa yayo ngo iyasabireho indishyi hakurikijwe ihame ry’amategeko ‘’Nemo auditur propriam turpitudinem allegans’’.

*39+ Ku bijyanye n’icyo kibazo, Urukiko rusanze ko nta ndishyi zo gushorwa mu manza, nta mafaranga y’ikurikiranarubanza ndetse n’igihembo cy’Avoka BK Ltd yahabwa kubera ko nayo ari nyirabayazana y’uru rubanza mu gukuraho amafaranga kuri konti ya RWANDA DISCOVERY & TRAVEL AGENCY Ltd kandi binyuranyije n’amasezerano bagiranye.

D- Kumenya niba RWANDA DISCOVERY & TRAVEL AGENCY Ltd igomba guhabwa indishyi zingana na Frw 6.000.000 zo xxxx XX Ltd ikomeje kuyihangayikisha no guhabwa Frw 2.000.000 z'igihembo cy’Avoka.

[40] RWANDA DISCOVERY & TRAVEL AGENCY yatanze ubujurire bwururiye ku bundi ivuga ko imaze kubona ko BK Ltd ikomeje kuyihangayikisha iyitera guhangayika kubera kutagira icyo

URUBANZA N°X.XXX A 00213/2016/CHC/HCC Urupapuro rwa 9

ishobora gukora kijyanye n'ubucuruzi bwayo yakoraga kuko yafunze konti yayo ndetse n'imashini yakoreshaga yafunzwe na BK Ltd, akazi karahagaze kandi BK Ltd yayigambaniye ku yandi ma banki, iyishyirisha muri CRB, ku buryo ubu ikaba iri mu masosiyete ya ba bihemu, idashobora kubona inguzanyo muri banki iyo ariyo yose, ibyo byose rero ikaba ibisabira indishyi zingana na Frw 6.000.000 cyane ko yari yasabye Frw 5.000.000 mu rwego rubanza ariko Umucamanza akaba atarazitanze ku mpamvu itamenye.

[41] Irasaba na none kandi Frw 2.000.000 z'igihembo cy’Avoka na Frw 1.000.000 z'ikurikiranarubanza zo xxxx XX Ltd ikomeje kuyishora mu nkiko bituma yiyambaza umu avoka wakurikiranye uru rubanza ndetse akanaruburana.

[42] Ku bijyanye n’icyo kibazo, Urukiko rusanze ko nta ndishyi ndetse nta mafaranga y’ikurikiranarubanza n’igihembo cy’Avoka RWANDA DISCOVERY & TRAVEL AGENCY Ltd yahabwa kubera ko nayo yagize uruhare mu kibazo cyatumye iregera Urukiko.

III. ICYEMEZO CY’URUKIKO RUKURU RW’UBUCURUZI

[43] RWEMEYE kwakira ubujurire bwa BANQUE DE KIGALI Ltd, RWEMEJE ko bufite ishingiro kuri bimwe.

[44] RWEMEYE kwakira ubujurire bwururiye ku bundi bwa RWANDA DISCOVERY & TRAVEL AGENCY Ltd, RWEMEJE ko nta shingiro bufite.

[45] RWEMEJE ko urubanza X.XXX 1738/15/TC/NYGE rwaciwe n’Urukiko rw’Ubucuruzi rwa Nyarugenge tariki ya 05/04/2016 ruhindutse ku bijyanye n’uko chargeback zakozwe na BANQUE DE KIGALI Ltd kuri konti 00000-0000000-00 USD ya RWANDA DISCOVERY & TRAVEL AGENCY Ltd ziteshejwe agaciro ari iz’ifite agaciro ka USD 35,227.3 ndetse no ku bijyanye n’uko nta ndishyi z’ikurikiranarubanza n’igihembo cy’Avoka BANQUE DE KIGALI Ltd igomba kwishyura RWANDA DISCOVERY & TRAVEL AGENCY Ltd.

[46] RUVUZE ko rwatinze gusomwa kubera ko Umucamanza yakoze iperereza ndetse nyuma y’xxx agire akazi kenshi cyane gatuma adashobora kwandika urubanza.

NI UKO RUKIJIJWE KANDI RUSOMEWE MU RUHAME NONE KUWA 30/12/2016.

BYUKUSENGE Xxxxxx XXXXXXXXX X. Xxxxxx

Umwanditsi Umucamanza

Sé/ Sé/