papadenzel: If you read the op properly, you'll realize that in the bank the poster operates accounts, they don't have moneygram but western union. So his choice for picking @ any bank that does @ any cost. Make your investigations properly and you'll see that it is the norm for these tellers doing int'l transfers to do such manipulations.

Pukkah:

You were rightly educated by the banks you visited about the procedure to follow in order to cash the money that was sent to you via MoneyGram but you persisted to look for a short-cut. According to your story, you did this because you were in a hurry.

I really can't place what your problem is - ignorance or fraudulent tendencies? Why did you ignore all the advice that the various banks gave you (ETB, Spring, GTBank, Ecobank, and UBA). Why were you avoiding the bank where you have an account? Are you even sure you have a bank account? If you do, what is the name of your bank and how come you did not go to one of their branches?

On getting to UBA, you wrote that the guy also told you that you needed to have an account but you obviously insisted and agreed that he should go on to help you regardless of the charges. Are you sure you are the real owner of the money? If you were, you would not be ready to part with 10% (out of the little amount) because you could easily have walked into the bank where you have an account. My suspicion is that you were running away from something. You probably came across the money transfer details (belonging to another person) and proceeded to convert it. In doing this, the bank worker colluded with you and charged 10%.

In conclusion, you story is ludicrous and portrays you in a rather bad light (either in terms of not listening to advice/obstinacy, ignorance, or lack of integrity).

So really, the title of your post is misleading. What even concerns the Police in the disjointed story?

Sgtkoselupa: The policy to have an account before you can cash any transfer in your favour via Western Union or Moneygram was breached by that banker for peculiarly gains. No thanks to our country specific fraud level which made this anti people policy to be introduced. Many Nigerians that are expecting remittances do not have
account, and this is creating anoda money milking opportunity for criminal bank employees. Nigerians, haba!

papa giddy: Most likely the source of the money is fraud or yahoo yahoo for him to allow the banker to deduct 10%. FOR WHAT!!! most banker too encourage yahoo yahoo by selling out reference form or guarantor's form at 10% off the total value.this guy is not telling the whole truth!!! bankers at the customer service table have already signed reference form obtained from unsuspected current account holder in large quantity.That is why u dont
just sign any thing in bank especially when u are opening an accont

chucky234: I am not sure of you post this in regard to the OP story or another one because y[b]our post is completely riducously[/b],the new rules sales you can cash money from Western Union or Money Gram only at any of branch of the bank you maintain an account with or look for a person who maintain an account with the bank to stand surety for you to cash the money and that the OP did explained in his story.

My only problem with the OP is that the 10% is not too much to refers to him as a thief because you paying for a favoured rendered which you agreed to,there is nothing wrong with the banker taking 10% for helping cash money you needed urgently as you stated in your story.

onatisi:

my man can i ask u a question pls are u saying that every nigerian living inside nigeria and has someone who want to remit him or her money must first open a bank account by force?[/b]what happen to the old woman that has a son who sends her some money and she needs the money urgently and has no account only to be told she needs to have an account b4 collecting her money?do u want her to turn bank or to seek help from bank official or anyone that may help?and if she does .does that action make her a yahoo yahoo too?what u guys are saying is as if u are saying the system is perfect those that formulated this policy themselves know that it will cause some problem for a few honest citizens so dont try to say that because u dont have an account [b]and doesnt want to have one u are a criminal,the poster doesnt want an account and had to get his money by all means.

Pukkah:

You're still evading my question. What led to the requirement to have an account before collecting money transfers in Nigeria? Do you know it?

Of course I know it's peculiar to Nigeria but that is not the issue here or the purpose of this thread.

bilms:

It all happened this morning,i got a money gram to cash sent from the UK for an urgent assignment. For the urgency of this cash,i didn't want to go to my bank because it is far away, so i decided to branch the nearest bank ETB,when i got there,i was made to understand they don't cash money gram. the next bank close to it was spring bank,i went in and asked if they cash money gram and they said yes,but i was asked if i have an account with the bank which i answered no,for his reason,they made me realize they can't cash the money unless i have an account with them. This automatically make me realized i can't help but go to my bank.

Straight to Oceanic bank now Ecobank,they told me they don't cash money gram too,i quickly head to my other bank GTB and they said they don't cash it too. At this point, i was so depressed,considering all this hustle.
How on earth won't you be cashing money gram i questioned and i was calmed and told to go to UBA bank.

Upon reaching the UBA,i meet the guy at the Moneygram counter and i told him i want to cash money gram,he asked if i have an account with them and i replied no,he then said it would be some how cashing without account. I asked why must i have an account to cash money gram in a bank,it is suppose to be a money transfer which can be cashed anywhere,he said yes,but it is some times difficult. He said i should go to my bank or i would pay him something to do it,i said my bank don't cash moneygram and i was directed from there to come here.

He told me to sit while he get a teller,he got it and gave me to fill, telling me the difficulty of cashing it and charges i would pay. This is apart from the money gram charges which had already been paid to the bank. Upon cashing the fund, he didn't hand it over to me,he said i should tell how much he would remove from it, i said i don't no, as you can see, its a very small money aimed to be used for something very urgent,he insisted i tell him how much he would take, i don't know what to say. He said,it is the because of the amount involved,if not, he would be the one to charge me himself and if i can't pay,he wouldn't cash it.

At the end, you would be surprise on how much he deducted..... 10%. What a shame.

onatisi:

thank you my brother pls tell tht man that is saying that because u dont want to have an accunt before cashing a money transfer that action makes u a criminal.what happens to the old woman who doesnt know and the money sent is even barely enough does that means that she too must go the rigours of opening an accunt.i believe there are better ways of catching yahoo boys than this and let it be know all yahoo boys have bankers s collaborators they dont just walk into any bank they go to banks that they know someone working in there to help them beat the system

Abimbola29: I A̶̲̥̅♏ also a victim of such

bilms: Back to the major issue.

From the first post, i made it clear how urgent the fund was

It all happened this morning,i got a money gram to cash sent from the UK for an urgent assignment. For the urgency of this cash,

Because of the urgency
i didn't want to go to my bank because it is far away,, for this reason,i decided to branch the nearest bank ETB,

At ETB
when i got there,i was made to understand they don't cash money gram.

I went to the next bank closeby

the next bank close to it was spring bank,i went in and asked if they cash money gram and they said yes,but i was asked if i have an account with the bank which i answered no,for his reason,they made me realize they can't cash the money unless i have an account with them. It was at Spring Bank (the second bank i went) that i realized i have to go to my bank.

This automatically make me realized i can't help but go to my bank.

TO MY BANK OCEANIC NOW ECOBANK

Straight to Oceanic bank now Ecobank,they told me they don't cash money gram too,..Someone up there said Ecobank do cash Moneygram and that he cashed some months ago,you may be right, but how was i to insist that a bank Cash Money Gram when the staffs said they don't? It is my bank for over 5 years and they said they don't, what can i do?

After Ecobank (My Bank 1)

i quickly head to my other bank GTB (bank 2) and they said they don't cash it too...this is the 4th bank i have been to,2 not my bank and the other 2 my bank where i had account,but both said they don't cash moneygram. I made it clear on the post that i was angry and asked why the bank won't be cashing moneygram,At this point, i was so depressed,considering all this hustle.
How on earth won't you be cashing money gram i questioned and i was calmed and told to go to UBA bank.
...It was one of the staffs that calmed me down and actually gave me the UBA bank as a place where i can cash the fund.

How on earth didn't you guys read this before saying i didn't want to go to my bank? i was trying to go thru the back door? i wanted to bit the rules etc? was it that you didn't read it or u intentionally ignored it?...

I accept critical assessment of the post and reasonable question about it,but not such that i was seeing when all you were asking is already part of the first post.

Upon reaching the UBA,i meet the guy at the Moneygram counter and i told him i want to cash money gram,he asked if i have an account with them and i replied no,he then said it would be some how cashing without account. I asked why must i have an account to cash money gram in a bank,it is suppose to be a money transfer which can be cashed anywhere,he said yes,but it is some times difficult.

He said i should go to my bank or i would pay him something to do it,i said my bank don't cash moneygram and i was directed from there to come here.
..This was my discussion with him,he knew i had been to my bank and could n't cash it because i was actually directed from there to come to UBA.. Remember, i have been previously been to 4 banks without success and i made it clear that the money was needed urgently. I knew that leaving UBA would mean i won't cash it and the fund was needed urgently for an assignment.

Some one did ask a very reasonable question which i noted and appreciated,he asked why i didn't insist,but i was in hurry because any delay would mean loosing what the money was meant to be used for,and the money if gotten later would no longer be valued. Another person asked why i patted with 10% since it was meant for an urgent assignment,i also appreciate this question,in fact,this was the kind of question i was expecting before they started all that panapana..As you know,the money is needed urgently,taken 10% from it mean having 90%,business wise,if you pay 90% of the supposed fee would guarantee you what you needed,i do not think it is wise of me to allow such situation prevent the usage of the money. In fact i would have not taken it if i was to be the sole person involved,but i know doing that would mean something that would hurt others who needed what the money was needed for. I had to employ the scope of the scale of preference, chose the most important and urgently needed item.

Thanks you all

Ricoluv: POSTER,.MY OPINION IS THIS,.THAT YOU ARE A PERSON OF LOW INTERGRITY, POSSIBLY A FRAUDATER COS IF INDEED THIS WIRED MONEY WAS YOUR'S, THE SAME WAY YOU COMPLAINED TO THE BANKS OVER ATM DISPENSE ERRORS,WOULD HAVE BEEN THE SAME WAY U SHOULD HAVE COMPLAINED TO THE MANAGER OF THIS BRANCH WHERE YOU CASHED THIS TRANFER.
FROM MY EXPERIENCE AS A BANKER, I KNOW THAT INDEED, SOME BANKERS ARE OF QUESTIONABLE CHARACTER AND SUCH PEOPLE USUALLY PREY ON CONMEN LIKE YOU WHO DIVERT OTHER PEOPLES' TRANSFERS.
SO AM VERY SURE YOU HAVENT BEEN TOTALLY OPEN OVER WHAT TRANSPIRED BETWEEN YOU AND THE CASHIER..I'M ALSO VERY SURE HE SAW THROUGH YOU AND HAVING SENCED THAT THIS TRANSACTION WAS A "JOB" HE THEN DECIDED TO CASH IN.
ANYWAY, YOUR'S IS A CASE OF "CUNNING MAN DIE, CUNNING MAN BURY AM"...NEXT TIME YOU WANT TO THROW MUD PLS MAKE SURE YOUR OWN HANDS ARE CLEAN,.MMMSSHHEEWW!!

::Andrew:::
so you allowed the farouker to farouk you in day time.
You became a faroukee because you allowed yourself to
be farouked by the farouker.

Pukkah:

You're still evading my question. What led to the requirement to have an account before collecting money transfers in Nigeria? Do you know it?
It is called KYC- Know your customer. You can imagine how easy it is to obtain valid identifications with fake details, even thumb prints cannot be verified. What about the many fake I.D's all over? The only way nigerian banks can do these remittances safely is with their customers whom it assumed due deligence was carried out before an account was opened for.
Of course I know it's peculiar to Nigeria but that is not the issue here or the purpose of this thread.