A homebuyer, Mrs. F.B. Daisy, has petitioned the Federal Competition and Consumer Protection Commission over the alleged failure of an Abuja real estate company, Kairos-HOF Consultants Limited, to complete or hand over a three-bedroom semi-detached duplex with boys’ quarters at Karmo, Abuja, after receiving full payment of ₦45 million.
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The complaint was filed on her behalf by Chidiebere Odo, Esq., of Assurance Solicitors, Legal Practitioners, in a letter dated October 26, 2026, and addressed to the Executive Vice Chairman/Chief Executive Officer of the FCCPC. The Commission’s stamp showed that the complaint was received on October 27, 2026.
The allegations are those of the complainant and her lawyers. The company’s response was not contained in the documents provided.
The petition, titled “Formal Complaint Against Kairos-HOF Consultants Limited for Failure to Complete or Deliver a Three (3) Bedroom Semi-Detached Duplex Project After Receiving Payment; Breach of Consumer Rights, and Request for Investigation and Regulatory Enforcement,” asked the Commission to investigate the transaction and take appropriate regulatory action where necessary.
The lawyers said their client entered into an agreement with Kairos-HOF Consultants Limited on July 18, 2023, for the construction and delivery of a residential property at Plot No. SC20-A, The Hof County, Karmo, Abuja.
According to the complaint, Daisy paid ₦45 million as the full purchase price for the construction and completion of the property.
The petition stated that the parties agreed that construction would be completed within 18 months and that the client completed payment within that period.
It further stated that a final allocation letter dated March 14, 2025, was subsequently issued to her.
The lawyers, however, alleged that despite receiving the agreed payments, the company failed to complete or hand over the property.
“Despite receiving the agreed payments, the Company failed, neglected, and/or refused to complete or hand over any house to our client despite repeated promises and assurances,” the petition stated.
According to the lawyers, as of the date of the complaint, “the house remains incomplete at the DPC level,” while their client “has not received the full benefit of the transaction for which payment was made.”
The complaint further stated that Daisy made several attempts to resolve the matter amicably through a solicitor’s letter dated July 6, 2026, meetings, telephone calls and other communications, but the dispute remained unresolved.
The lawyers said the alleged failure to deliver the property had caused their client financial hardship, inconvenience, loss of use of the property and other consequential losses.
They maintained that the company ought not to retain the benefit of the payment received without performing its corresponding contractual obligations or providing an appropriate lawful remedy.
The petition also alleged that the company had shown no intention to complete the house after receiving the full purchase price.
It further claimed that the matter was not an isolated occurrence and alleged that other purchasers had also complained about similar transactions with the company.
In their legal opinion, Assurance Solicitors described their client as a victim of what they alleged amounted to advance fee fraud and obtaining by false pretence.
The lawyers further contended that the company’s alleged conduct breached provisions of the Federal Competition and Consumer Protection Act, 2018.
They cited Section 130 of the Act on quality and timely delivery of services, arguing that the Commission should investigate whether the failure to deliver the house within the agreed period constituted a breach.
They also relied on Section 123, relating to general standards for the marketing of goods and services, and Section 124 on the right to fair dealings.
The petition also cited Section 127 concerning unfair, unreasonable or unjust contract terms, asking the Commission to examine any contractual provision the company might rely upon to avoid responsibility for the alleged failure to complete the project.
The lawyers further referred to Sections 142 and 143 on the supply of services and time for execution of contracts, Section 146 on enforcement of consumer rights, and Sections 148 and 150 relating to enforcement by the Commission and compliance notices.
They asked the FCCPC to investigate whether the company failed to meet its obligations after receiving payment and whether the circumstances raised issues concerning timely delivery, fair dealing and compliance with consumer protection standards.
The lawyers also submitted that if an investigation established that false or misleading representations were made regarding the company’s capacity or intention to complete the project, further action under the relevant provisions of the Act might be warranted.
They argued that regulatory intervention could prevent further consumer harm and encourage compliance with obligations owed to purchasers and subscribers.
Among the reliefs sought, the lawyers asked the FCCPC to “register and investigate this complaint against the Company concerning its failure to complete the housing project after receiving payment.”
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