Friday, October 30

ZAOGA Church Elder Innocent Majoni Jailed for 13 Years in UK—But Police Say He Is Still on the Run In Zimbabwe

A Zimbabwean national who reportedly served as an elder at a Zimbabwe Assemblies of God Africa church in the United Kingdom has been sentenced to 13 years in prison for raping and sexually assaulting a vulnerable woman.

However, the convicted offender, Innocent Majoni, 47, remains at large after failing to appear at Leeds Crown Court for sentencing.

Majoni was found guilty following a trial on three counts of rape and two counts of sexual assault. He was sentenced in his absence as authorities continued efforts to locate him.

The court heard that Majoni deliberately targeted a woman whose immigration status left her vulnerable. He allegedly threatened to report her to the UK Home Office and have her deported unless she submitted to his demands.

“He Called Me Fresh Meat”

In an emotional victim impact statement read before the court, the woman described the fear, humiliation and trauma she continues to experience.

“I still do not feel safe. He forced himself on me. He threatened to go to the Home Office. I came here for safety and ended up in this situation,” she said.

“He called me ‘fresh meat’ and it made me feel dirty. Emotionally, physically and mentally it has impacted me.”

The woman said Majoni’s disappearance has left her constantly fearing for her safety and worrying that other women could also be in danger.

“If he can’t be found and brought to justice, I will never feel safe and will always worry what he is doing to other women,” she said.

“Where is he? I’m still at risk. I’m traumatised by everything.”

Immigration Status Allegedly Used as a Weapon

Recorder of Leeds Guy Kearl KC found that Majoni had exploited the woman’s vulnerable circumstances and used the threat of deportation to control and intimidate her.

The woman reportedly waited several years before reporting the offences because she feared the consequences of approaching authorities while her immigration position remained uncertain.

She only felt safe enough to report what had happened after securing her immigration status.

By the time the criminal case reached its conclusion, Majoni had disappeared.

In addition to the 13-year prison sentence, the judge imposed a lifetime restraining order, meaning any future attempt by Majoni to contact the victim would constitute a separate criminal offence.

Former Care Company Director

UK Companies House records show that Majoni was born in January 1979 and is a Zimbabwean national.

He previously served as a director of ILS24 Health Care Limited, a Leeds-based care company that has since entered liquidation.

Majoni was appointed as a director in July 2013 and resigned in January 2023, according to official company records.

He was also reported to have been a prominent member and elder at the ZAOGA Leeds Assembly.

The church has not been accused of involvement in Majoni’s offences.

Police Search Continues

Majoni’s case has shocked sections of the Zimbabwean community in Britain, particularly because of his reported position of trust within the church and care sectors.

The court praised the victim for finding the courage to come forward despite years of fear and uncertainty.

Her case highlights the difficulties faced by vulnerable migrants who may be afraid to report abuse because offenders threaten them with arrest, deportation or immigration consequences.

Majoni remains wanted, with authorities seeking to bring him into custody so that he can begin serving his 13-year sentence.

Anyone with credible information concerning his whereabouts should contact the relevant UK police authorities rather than approaching him directly.

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Mortgage Refinancing Options Homeowners Should Consider in 2026

Understanding Mortgage Refinancing

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Mortgage refinancing allows homeowners to replace their existing home loan with a new mortgage that offers updated terms, lower interest rates, or improved financial flexibility. Millions of homeowners refinance their mortgages to reduce monthly payments, shorten loan terms, or access home equity for major expenses.

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As interest rates fluctuate in 2026, refinancing continues to attract homeowners looking for long-term savings opportunities. Even a small reduction in interest rates can save borrowers thousands of dollars over the life of a loan. Refinancing can also help borrowers transition from adjustable-rate mortgages to more stable fixed-rate loan structures.

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Homeowners considering refinancing should evaluate their financial goals carefully before applying. Some borrowers focus on reducing monthly payments, while others prioritize paying off mortgages faster or consolidating debt using home equity.

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Benefits of Refinancing Your Mortgage

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One of the biggest benefits of mortgage refinancing is lower monthly payments. Reduced interest rates can significantly improve household cash flow, allowing homeowners to save more money or manage other financial obligations more comfortably.

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Refinancing may also shorten the loan repayment period. Some homeowners switch from 30-year mortgages to 15-year loans to reduce long-term interest expenses and build home equity faster.

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Cash-out refinancing is another popular option. This allows homeowners to borrow against accumulated home equity to finance renovations, education expenses, business investments, or debt consolidation.

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Factors to Consider Before Refinancing

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Although refinancing offers many advantages, homeowners should carefully compare lender fees, closing costs, and loan terms before making decisions. Refinancing costs may include appraisal fees, loan origination charges, title insurance, and legal expenses.

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Credit scores play a major role in refinancing approval and interest rates. Borrowers with stronger credit profiles generally qualify for more competitive terms and lower rates.

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Timing is also important. Homeowners planning to move within a short period may not benefit enough from refinancing savings to justify upfront costs.

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Final Thoughts

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Mortgage refinancing remains a powerful financial tool for homeowners seeking lower payments, improved loan terms, or greater financial flexibility. Careful planning and lender comparison can help borrowers maximize savings and avoid unnecessary expenses.

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By understanding refinancing options and evaluating long-term goals, homeowners can make smarter financial decisions that support long-term stability and wealth growth.

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Small Business Insurance Checklist: Coverage to Compare

Small business insurance is one of those expenses many owners do not think about until a contract, landlord, lender, or unexpected claim forces the conversation. The problem is that buying coverage in a rush can lead to gaps, duplicate policies, or limits that look affordable but do not match the real risk of the business. A better approach is to understand the major coverage types, compare quotes carefully, and ask the right questions before signing.

A good business insurance plan starts with general liability coverage. This is the policy many clients and property managers request first because it can help cover claims involving bodily injury, property damage, and certain advertising-related issues. For example, if a customer slips inside a store, or a contractor accidentally damages a client's property, general liability may help with legal defense costs and covered settlements. The exact protection depends on the policy language, limits, exclusions, and state rules.

Many businesses also need commercial property insurance. This can protect buildings, equipment, inventory, furniture, tools, signage, computers, and other business property against covered events. A home-based business should not assume a homeowners policy automatically protects business equipment or customer-related activity. If you work from home, ask the insurer how business property and business liability are handled.

A business owners policy, often called a BOP, can package general liability and property coverage into one policy. It is usually designed for smaller companies with standard risk profiles. A BOP can be convenient, but it is not always enough. Restaurants, contractors, transportation companies, medical offices, and technology providers may need extra endorsements or separate policies.

Professional liability insurance is important for businesses that give advice, provide technical services, design solutions, manage accounts, or deliver professional work where a mistake could cost the client money. This coverage is also called errors and omissions insurance. Consultants, IT providers, accountants, real estate professionals, marketing agencies, engineers, and financial professionals often review this coverage because general liability may not cover professional mistakes.

Workers compensation is another major area. If a business has employees, state law may require workers compensation coverage. It can help pay covered medical costs and lost wages when an employee is injured on the job. Even if your state rules are limited for very small businesses, clients may still require proof of coverage before allowing your team on site.

Cyber liability insurance has become more important because even small businesses store customer records, accept online payments, use email, and depend on cloud platforms. A cyber policy may help with incident response, legal costs, customer notification, data recovery, business interruption, ransomware response, and regulatory issues. Coverage varies widely, so ask what counts as a covered cyber event and whether social engineering, wire transfer fraud, and business email compromise are included.

Commercial auto insurance is necessary when vehicles are used for business. A personal auto policy may not cover business driving, especially deliveries, transporting equipment, or employee use. If employees use their own cars for company errands, ask about hired and non-owned auto coverage.