Your organization may indeed be losing very substantial amount of money to Banks through excess and unauthorized charges and interest and sometimes due to systems and human errors. You may be surprised to know that some bank charges debited into your account are not legitimate and not approved by regulatory authorities.

Banks' income have come under serious pressure given the dwindling economic fortune in the Nation and one of the ways some of them have adopted to fund their over bloated expenditure profile and appear profitable is debit their customers accounts illegally, arbitrarily, unethically and fraudulently.

At Instinct Concepts & Consulting Limited, we have fourteen (14) years’ experience in detecting and recovering excess charges and interest from Banks and would be delighted to place our experience and competence at your disposal.

Our Financial Forensics Unit will assist you with the following services:
1. Advisory services on the prevention of excess bank charges and interest.
2. Review of banking transactions with a view to detecting/discovering the amount of excess/illegal charges and interest debited to your account.
3. Recovery of excess charges and interest using our contacts with the Central Bank of Nigeria and Ethics & Privileges Sub Committee of The Bankers Committee.
4. Mediation in bank loan arrangements.
5. Litigation support.


Our recovery efforts cover the following areas among others:
1. Excess commissions relating to withdrawals
2. Excess Charges and interest relating to Overdrafts
3. Excess Charges and commissions on POS transactions
4. Excess Charges, fees and interest relating to Loans (Term Loan, IFF Facility, Consortium or syndicated loans, etc.)
5. Excess Charges and fees relating to Commercial Papers
6. Excess Charges and fees relating to Bankers Acceptances
7. Excess Charges and fees relating to Letters of Credit
Won’t you let us recover what has been wrongly taken from your account? We have done it for many; surely we can do it for you.

Kindly send us your engagement letter appointing us as your Forensic Auditor for the purpose of Bank statement audit for the period you want us to cover. This will be then be followed by a meeting during which the work scope will be agreed upon and necessary documents such as Bank statements, loan files etc will be made available for us to commence work.


You can reach us very seamlessly via:
Our Telephone No: 08100128080 or
Email: iccl.tbi@hotmail.com

In this era of low business revenue and profitability, a creative way to shore up your liquidity and reduce your cost is excess charges recovery. You will do well to engage our services and be glad you did.

Recovering from banks for more than 10 years

Speak to the professionals