@POSTER / dannywest,
I advise you, tell your friend to take up the matter very seriously with the bank. The bank is liable for the loss, they are responsible to investigate and seek the assistance of necessary authorities to arrest the fraudsters - so dont let them push their responsibilities back to you. If their computing systems are not secure, it is their fault - not yours as a customer.

Almost similar happened to me with GTB last year - with their mastercard. Advise your friend to file a report with the EFCC and ICPC. If they dont reply their emails immediately, please give them a call. Go to their head office in person.

If Diamond cannot freeze the accounts of the fraudsters or locate them via "customers information" which they should provide to the Police, EFCC and co, and which they have in their records, then they must refund the monies. If they dont have information about the account holders who received the monies, it is still their fault.

I sent you an offline message. We can talk if you need more advise.

Before anybody begins to say banks will loose millions if N100 transaction fee is stopped, can someone please calculate how much these banks have made as untaxed profit from ATM machines? Billions upon billions.

Multiply N100 by hundred people in hundred places at a hundred time. Let us assume this happens 5-times a day and this is just for 1-bank. Do the mathematics across board.

Has the billions of N100 collected made the ATM services more efficient? No. Are the banks the real owners of the ATM machines? No. If you know how the whole deal works, the N100 is for a middle-man company owned and shared among the banks. The idea was brilliant but its a fraud. They are the ones that share the money. N100 is not for any ATM maintenance.

What ATMs are they maintaining? Are the machines new? No. If the machines are NEW, shouldn't there be a 3-year warranty / insurance cover charge? - meaning the banks should not bear any maintenance or repairs cost. Isn't this the ideal thing too do? Where is the manufacturers seal on the machines? have you seen one yet?

Are these the same machines used in Europe and America?No. They might look the same but toyota 2012 is different from toyota 1980. All of them are refurbished machines imported from Asia and Europe. The machines run a lame version of the Windows Operating system, and thats why its easy for them to make mistakes. These are the same machines deployed all over Asia as far back as 1995-2000. Our ATM engineer boys dont need any training to figure out the koko. You don't even have to work with an ATM machine to know the things are lame-fake.

The whole banking system in Nigeria is a complete fraud from head to toe. From the ATM machines to MasterCard/VisaCard/whatever, Nigeria's bank stakeholders from the CBN downwards should be imprisoned for high class fraud. When you are tasked to make decisions on behalf of a whole nation, you better put on your thinking cap. Unfortunately, the self-profiting actions of our leaders do not have any repercussions.

Where do you think these banks get the money to erect massive buildings all over the country? How much do they declare as profit for their share holders yearly? For ex: you have 5-banks on a single street, within a 1-kilometer radius, is the population of people living in / working in that area on a given 5-days a week commensurate to the #banks in the area and the number of transactions per day? coz after another 1-km, you see another 5-banks. Do the living standards of the people in the area justify the multiplicity of banks and services? Even in developed countries where things are happening, do they line up banks like a housing estate? No-wonder armed robbers went to buy calculators, they are more inspired than they fear for their lives.

Why is it that many people want to work in banks? because it is easier to steal. If our economy was better than it is, I wont be pissed, but considering our financial reputation as a nation, fraud, under any guise should be a treasonable charge.

Ive not seen it in any other country except Nigeria - banks charging customers for withdrawing from ATM machines. The banks themselves cannot put into writing what the N100 is used for. And what is the basis for the ATM charge? Ok, I bank with GTB and their ATM is out of order when I wanted to use it and so I went to the machine in front of another bank; therefore its either I dont make my withdrawal or I have to pay N100 or wait for GTB to fix their machines? We should be asking them why the machine is out of order in the first place.

Even with the N100 charges, does the bank have any responsibility to keep the ATMs running? No. Why? because they know that Nigerians wont complain about N100 and they would rather go to the ATM machine of another bank. Thats according to information from the ICPC.

Does money in accounts even yeild anything? If you leave N1K in your account for 30-days, how much does it yeild as compared to N100?

Worse than ATM machines are the illegal deductions:
With all that Ive experienced from GTB alone in 2012, honestly, banking in Nigeria is not worth the effort. My sad experience has made me more interested in the whole banking thing. I'm like: what da FKKK, I never knew things were so bad. This is the same GTB that continued deducting SMS charges from my account on a monthly basis even when the number was suspended/terminated 10-months back, even though has been no transaction on the account. Yet they claim to be sending me SMSs; meanwhile they were calling me on my new number and they couldn't do the mathematics in between after I complained. The only thing that works in Nigeria is force, so after machining up all my machineries, the returned all the deductions quietly.

Useless people!

So while ATM charges is ONE, just think of how much these banks make by illegal deductions. About 2years ago, I had to write a mail to a bank asking them for which of their services costs N11.50.

Slyr0x:

Lmaoooooooooo. . .Fareal?

Yes, for Real. If you know his phone-number / email address, please tell him I said he is a scammer. How can a customer complain on just 1(one) issue for one whole year, and yet nobody can resolve it. While this was going on, the stupid Web4Africa guy kept sending me Facebook Add requesnts and LinkedIn add requests. When did customer service include a compulsory FB/Linked In add request. He even sent me a mail saying my subscription will be cut off if I do not renew the service. I had to ask him what am I supposed to renew since he had not provided me any service for 1-whole year.

a1solution: I am using web4africa.net to host my site www.rarenewsandschools.com despite I am a newbie they have been supportive but there is a problem I have with my site which they are unable to help me out till now, there are certain content I would like to post I wud be getting the message (page not found) I av sent some content to them to help me post but they replied me with all the effort they have made to post those content to no avail and said wordpress is a third party application that they can not do much. I dont know if I move to truedigit if they are better in technical terms as these. anybody with useful info shud please help.

Please pack ya bag and leave Web4Africa. They are a useless bunch of people. The only thing he can say is: "please note that we are not responsible for third party scripts........"

Yes I know you are not responsible for 3rd party scripts, but why are all 3rd party scripts not working on your server? In fact, I had to ask him if I was the first customer to request for WordPress blog. Sitting in Ghana and duping people, useless human being.

About 3-years ago, I got scammed by Web4Africa. Some days after I made payment for a webhosting service, I opened a ticket. For the next 365-days, the single issue couldn't be resolved. I sent over 100-emails. Rather than accept something was wrong, Mr. Web4Africa blamed everybody behind WordPress, Joomla, Drupal, MYSQL, PHPMYADMIN. All I wanted was a blog.

So I took an hanky to shine my eyes and commence serious research. I gathered information about over 600-so called webhosting companies operated solely / jointly by Nigerians resident in/outside Nigeria.

From the one-man company to the sub-reseller; to the sub-sub-reseller; to the sub-sub-sub reseller; to the sub-sub-sub-sub(4th generation) reseller, everybody trying to make one profit or the other.

Now, just imagine a "sub-sub-sub-sub" reseller(4th generation) who still has the audacity to advertize resellership, and the amount quoted is more expensive than "reseller's"(1st generation) resellership cost. Im wondering, does this sub-sub-sub-sub reseller know what marketting is, or is he just a reseller-trigger happy business man.

I go to know the "rugged hosters" (hosting companies who host your websites just about anywhere) etc. I gathered server / server configuration and location infos; abused IP-addressing etc. I was amazed to find some webhosting guys who team up to buy a shared server and just end up dumping clients onto the server with neither of the three knowing how to manage server resources. In fact, these folks just know their own customers by name, every other setting everywhere is the same. And yet, they resell hosting at different prices.

I did webhosting cost comparisions as per advertized rates on a plan by plan basis with respect to inclusive features. For ex Coy-X: plan-A with 1-database, plan-B with 3-database, plan-C with 5-databases. Meanwhile Coy-X bought resellership from Coy-Y and was given 250-databases in the package.

I sent several enquiry emails - masquerading as a potential customer to see response time. The worst was a coy that responded to my enquiry 3-weeks after the original date. By then, I could have concluded business with someone else. I evaluated a couple of customer reviews I could find etc; even wrote emails to the US/Europe based data-center providers and yes, they responded - about who was a reseller under them and who wasnt. Some asked for my phone number so they could ascertain my identity before giving me the infos I requested. I provided these, made calls back and forth and I got the infos I needed. It was an eye opener.

One thing that constantly pissed me off was: why should Mr-A buy something from Mr-B and yet sell it more expensive than Mr-A is selling his, while not adding any value to it. Ofcourse, webhosting is for profit, but why not consider providing the requested service first before seeking to make millions.

I learnt about webhosting companies who are "on the run" companies: having no verifiable real addresses in Nigeria - so many in Lagos; 80% of evaluated companies were not registered with the CAC; many have no physical office; there are those that use offices of other companies for props; mostly one-man companies where the single superman does techsupport, customer service, sales, marketting, etc. So when the superman is not available, your hosting service isnt going anywhere. I gathered info about those who change servers like they change clothes; and about webhosting company owners who know nothing about webhosting themselves - who would hire a webdesigner to manage their server - meanwhile the webdesigner hosts some of his own design sites free(unknown to the real owner) and does trial and error with the server.

The funniest business practice was a certain businessman who registered three company names in Nigeria, has three webhosting company websites, has 1-office and uses one shared server for all his clients. He has 3-phone numbers as well, and would answer each of them with the same name. He sells all his products the same price regardless of which of his websites you register through. I wondered "does this guy really think that the more webhosting company websites he has out there really translate to more customers?"

I think webhosting is still to come of age in Nigeria. We should rather put the quality of service first before gunning for 6-figures in the bank account.

hello guys,

Is it just me or is something wrong with any of the following:

Themaingate: Is there really a better nigeria webhost apart from www.Havilahhost.Info ? I doubt it guys . They make use of DEDICATED SERVER USA BASED instead of the normal shared hosting used by Tuedigit and other nigeria webhosting company, there customer care is first hand , they are into smtp and mail bomber and to crown it all is the fact that they accept monthly payment ,99% uptime ,they backup your data every 24hours free of charge .THEY EVEN ACCEPT RECHARGE CARD AS MODE OF PAYMENT FOR SERVICES. i have host with web4africa and some other host but there is none better than www.Havilahhost.Info

bigx: For over 3 years Clue WebHost (www.cluewebhost.com) has provided professional webhosting services to hundreds of websites from the North, South, East and West of Nigeria.
They don't advertise, but their services have been so good that they provide shared, reseller and VPS services to hundreds of clients via strictly referrals.
They offer instant setup and online payments via local ATM cards, dedicated support via tickets, phone and email and have courteous and technically competent staff.
A trial of their services would convince you.

Is it just me or is somebody trying to do some pre-intimacy - webhosting speaking?

q1) who is the male and who is the female: Havilah or ClueWebhost coz there is surely some romance in the air,
q2) is it the same developer that designed the websites of Havilah and ClueWebHost? And this means the developer never bothered to do something different on the 2nd website than was done on the first? or perhaps the owners of Havilah and Clue never bothered to check if the job done was a copy paste from somewhere else?
q3) Dont the owners of Havilah / Cluewebhost understand the definition of web-design? How come the owners never thought of the word "originality"?
q4) somebody please ask them the next question!

hi mods,

pls send me the AC details. I would like to participate in this project.

Besides money, are clothes acceptable - brand new (natives).

cheers
NB