The bank freezed your mom's account probably because it is not a standard savings account.
Also the transaction wasn't a mistake. If it was it is the bank that will even called you.
That is a/an stolen/illegal money.

talk2hb1:
This is An EFCC case, can you go and report in the nearest office

It Is Now On Media Efcc Will Follow Up The Matter.

Hmmm

NNPC did similar scam during their recruitment, They sent double~triple alerts as transport reimbursement to candidates account. later one shady staff sent his account number for refund

Something must kill a man.

Thefxchanger:


Mrs righteous, point of correction... they aren’t criminals ...

I can spend money deposited into my acct and claim I was expecting money for business transactions from business partners...

If the bank can prove the source of the money not to be from my business partners, then all they will make me do is return the pet I have spent and not criminalize me ...

Even without knowledge of legal processes, it’s common sense

Lol. First, you have to have been receiving that amount of money before for your claim to be credible. Secondly, the law usually doesn't even favour the common man in the first place. So you acting as if you are in a Utopia is funny. Thirdly, by the time you are in jail if the people you took the money from are dangerous people, they will make sure your loved ones have no rest. Talk is cheap.

AbujaCitiBlog:
It is stolen money. They spread the money into several accounts. Next time she calls, tell her you are going to media houses to expose them for stealing from government. Which government parastatal or agency or ministry sent the money? Ask her to tell her office address so that you come there and meet her there. She will back out immediately.

Yeah she may back out. But the OP might just be the next victim of Unknown Gunmen lol.

[quote author=Whizzdom post=101516947]

But dem don freeze the remaining #2mil now. How person wan hire lawyer? My mom was thinking we should return the money little by little. We have spent #220,000 from it.[/] seek LEGAL counsel from someone you know. Then plan for the necessary action.

44chux:


You are so so on point!
Just to add,
If it was govt money or an honest mistake, the bank would have received a complaint officially, in which case the bloke they met would have seen the comment on the account.
So they either submitted court papers to freeze the account or it was frozen illegally ( man know man).
Best to report to EFCC. Na them go collect the money last last. Or they can bargain with the lady for 50:50 sharing lol. I can bet she would prefer not to raise dust.

Lol.... The problem with sharing is that if there happen to be a fraud case. The first account holder will be going to jail. The second receiver might just say she sold something to them and was paid.

Whizzdom:
On Sunday, last two weeks my mom got a bank alert notification, someone sent her 3 million naira, she wasn't expecting money from anyone.

She was shocked, she called I and my younger sister. We couldn't believe it, so we waited for three days to see if the bank will reverse the money, they didn't, so I and my sister took our mom's ATM card to withdraw and test if the money was genuine.

We bought three phones from it. That's when we believed it was real. Then I transferred #50,000 to my bank and transferred #50k into my mom's other account which we used for foodstuffs.

On the fifth day the bank froze the remaining balance of the huge money sent. But no bank official or staff called my mom. That week passed, on the 3rd day of the second week, one lady called my mom by phone in the afternoon, she said her name is Sarah from so so bank.

My mom is not literate so they spoken in pidgin, she told my mom that she knows that my mom received a #3mil last two weeks and she has spent out of it. That the money was government money. Sarah told my mom to go to any nearest ........bank and write a mandate letter authorizing the bank to unfreeze the remaining #2mil in her acct and the bank will give us the beneficiary account which she will send the money back to. And we should return the money we spent out of it immediately.

When we got to my mom's bank, we went to customer agent area, instead of writing the mandate letter, we told the agent everything that happened leaving nothing untouched. the agent said we should give him the number of the staff that called us, when he called the Sarah with his phone, Sarah gave him another name, instead of introducing herself as Sarah, she said her name is Evelyn. She now told the agent to hold my mom down till she (Evelyn) gets to that bank to arrest my mom or whatever.

The agent said on what basis would he hold my mom down. The agent checked the description when the money was sent and he couldn't understand the description. He was saying how could this be government money. He told my mom to try and return the money spent and he told us to go.

The description on the transfer when it came in on Sunday was: "National Procurement of Scanners" #3million.

Is this truly a government money?

Nairalanders what are your opinions? Because my mom is scared, Sarah or Evelyn bullied her on the phone with jail time.

I don't know what to do.

Guy you no get mind. If you no get mind you no fit get money o.

Whizzdom:
On Sunday, last two weeks my mom got a bank alert notification, someone sent her 3 million naira, she wasn't expecting money from anyone.

She was shocked, she called I and my younger sister. We couldn't believe it, so we waited for three days to see if the bank will reverse the money, they didn't, so I and my sister took our mom's ATM card to withdraw and test if the money was genuine.

We bought three phones from it. That's when we believed it was real. Then I transferred #50,000 to my bank and transferred #50k into my mom's other account which we used for foodstuffs.

On the fifth day the bank froze the remaining balance of the huge money sent. But no bank official or staff called my mom. That week passed, on the 3rd day of the second week, one lady called my mom by phone in the afternoon, she said her name is Sarah from so so bank.

My mom is not literate so they spoken in pidgin, she told my mom that she knows that my mom received a #3mil last two weeks and she has spent out of it. That the money was government money. Sarah told my mom to go to any nearest ........bank and write a mandate letter authorizing the bank to unfreeze the remaining #2mil in her acct and the bank will give us the beneficiary account which she will send the money back to. And we should return the money we spent out of it immediately.

When we got to my mom's bank, we went to customer agent area, instead of writing the mandate letter, we told the agent everything that happened leaving nothing untouched. the agent said we should give him the number of the staff that called us, when he called the Sarah with his phone, Sarah gave him another name, instead of introducing herself as Sarah, she said her name is Evelyn. She now told the agent to hold my mom down till she (Evelyn) gets to that bank to arrest my mom or whatever.

The agent said on what basis would he hold my mom down. The agent checked the description when the money was sent and he couldn't understand the description. He was saying how could this be government money. He told my mom to try and return the money spent and he told us to go.

The description on the transfer when it came in on Sunday was: "National Procurement of Scanners" #3million.

Is this truly a government money?

Nairalanders what are your opinions? Because my mom is scared, Sarah or Evelyn bullied her on the phone with jail time.

I don't know what to do.

buy 3phone first means that you guys are unreasonable

The question is, What if the person calling you is trying to use your mum account to Launder the 3million? See if the so called person say it is government money and you have agreed to return it, I will suggest you insist to return the money directly to the government that owns the Money because if not handled Legally, in the nearest future your mum might be in trouble for aiding Money Laundering.. The right thing to do is this, Make a Police report and get a Lawyer before any refund... Let it be Legal with signed agreement and witness..

GoodLuck

Golan007:


They are what?

Anywhere in the world it is a criminal offence.

What criminal offence

Xhuntra:
Go and pay that money into TSA else you will have urself to be blamed

Empty threat

Brother the best thing you can do is to report the issue to the nearest EFCC office tomorrow morning �.....they will guide you to another step .....They are hackers , just be proactive tomorrow else you guys might be enter fraud issue that you have never involve ...That money is not Government money , they have hacked someone's account and transferred the money to your mum and they also have insider from the bank that gave them your mum's number and frozen the account ......so the best option is to report to EFCC first

Report the issue to Efcc instead, the amount spent isn't that much, or better still just lockup, nothing will happen to the acc, and the money will remain, I have one amount in my acc that is in my ledger balance, the person claim I scammed but couldn't prove, still bank froze the money but my acc is still very functional, going to two years now, money still hang for ledger balance

Refund the amount you guys spent and write a letter to the bank instructing them to return the money back to the account it was sent from. Do this and you have no case to answer in the future.

Una get mind wait for 3days . Me go withdraw am immidietly ole ni everybody

Use Truecaller to find out the identity of "sarah"


Why didn't your customer agent know the reason for freezing your account



Just tell them you will refund the one you have spent later

Most likely thing is this. Your mum's account is used as a middleman account for a scam with the help of an insider (banker)

Write a refund order to your bank instructing them to return the money to the account that sent it.... Case closed nobody will hold you for anything

Thefxchanger:


Mrs righteous, point of correction... they aren’t criminals ...

I can spend money deposited into my acct and claim I was expecting money for business transactions from business partners...

If the bank can prove the source of the money not to be from my business partners, then all they will make me do is return the pet I have spent and not criminalize me ...

Even without knowledge of legal processes, it’s common sense

Hmmh.I love the name Mrs Righteous and i thank you,I just might add it to my cv as i do try to be as righteous as my human form would allow.

If you “claim” you were expecting money when you weren’t that in itself is fraudulent ,your conscience should rule and not wait for the bank to prove the source.

If you keep any money wrongly credited to your account this could lead to you being charged with retaining wrongful credit' under the Theft Act 1968. You would be guilty of an offence if a wrongful credit is made to your account and You know the credit has been made incorrectly and don't take steps immediately to cancel the credit and start to spend it instead.

I put it to you that if the bank had not frozen that account and the dodgy phonemail had not come they will spend that money one time.This is now coming to light only because they have been found out and afraid.

We all cry the government is corrupt and Nigeria is not doing well but we in the grass root contribute as well.

In the end Honesty is always the best policy.This is just my opinion and you will have others that share yours.

Signed A Lady Lawyer without common sense.

Your mum's account was used to launder money ,most times these money are either illegal funds or even stolen govt money.

If it was erroneously moved by the govt or by Bank error, they simply reverse the transaction, but this isn't the case , that is why they want you to do a transfer mandate yourself.

So how it works.

They have someone in the Bank who provides the conduit accounts,and they have your details , they first spot an elderly person who is close by and use the person account to commit the act.

babyfaceafrica:
how are you different from Buhari and politicians....?

I stay my own in d midst of being broke and I got an alert... That's survival fund na ... Moreover, I intended paying back Buh they didn't call again, no account # to credit

Is not criminal and there is a way the person will meet with the bank to collect the money involving the court; except they too does not get the money genuinely

seankafor:
Na myfault say you do mistake transfer money to my account?
What if I have been praying and fasting for it?

Oga you and your mum should use the remaining money and get a lawyer standby.
It's their fuckups and nothing concerns you..

No be everybody be gentle man to return money mistakenly sent to his account

You have criminal intents. You wouldn't have touched that money. It's because of some you that this country is not growing. Return what you have spent back to the account.

talk2comrado:
Write a refund order to your bank instructing them to return the money to the account that sent it.... Case closed nobody will hold you for anything

That can work in theory but remember the money is now 220k short.

Thefxchanger:


Mrs righteous, point of correction... they aren’t criminals ...

I can spend money deposited into my acct and claim I was expecting money for business transactions from business partners...

If the bank can prove the source of the money not to be from my business partners, then all they will make me do is return the pet I have spent and not criminalize me ...

Even without knowledge of legal processes, it’s common sense

What you stated is plausible only if the account is a company account that has huge cash flow.

You can't make this claim with a personal account, which is why it's very dangerous to do business with a personal account in Nigeria.

You need to understand the system you live in!

Good day,
The best is for you to request for the ministry from which the money was sent from.

And seek refunds into Government account through the CBN only. Please, don't do it to individuals, EFCC may take you up on that

Or better return it into same account it came from.

The make agreement to return the money at your convenience or the depositor should take possession of items you used the money to buy.

The money isn't yours anyway

This is not a government money.
CBN makes payment through Remita and most of payments from CBN carry a description FGN.
Secondly, contract payments from CBN is net deduction of VAT, in other words VAT was not deducted from the 3million reason there was no fractions on the amount.

studentofTruth:


What you stated is plausible only if the account is a company account that has huge cash flow.

You can't make this claim with a personal account, which is why it's very dangerous to do business with a personal account in Nigeria.

You need to understand the system you live in!

I have personal accts with such inflow and outflow cos I run other businesses with my personal acct which can’t be run with my company Acct cos of different names of business...

Whatever the case might be, anyone can be expecting a million naira anytime ... cld be pension or some type of benefits or from family and associates ...

Whizzdom:
On Sunday, last two weeks my mom got a bank alert notification, someone sent her 3 million naira, she wasn't expecting money from anyone.

She was shocked, she called I and my younger sister. We couldn't believe it, so we waited for three days to see if the bank will reverse the money, they didn't, so I and my sister took our mom's ATM card to withdraw and test if the money was genuine.

We bought three phones from it. That's when we believed it was real. Then I transferred #50,000 to my bank and transferred #50k into my mom's other account which we used for foodstuffs.

On the fifth day the bank froze the remaining balance of the huge money sent. But no bank official or staff called my mom. That week passed, on the 3rd day of the second week, one lady called my mom by phone in the afternoon, she said her name is Sarah from so so bank.

My mom is not literate so they spoken in pidgin, she told my mom that she knows that my mom received a #3mil last two weeks and she has spent out of it. That the money was government money. Sarah told my mom to go to any nearest ........bank and write a mandate letter authorizing the bank to unfreeze the remaining #2mil in her acct and the bank will give us the beneficiary account which she will send the money back to. And we should return the money we spent out of it immediately.

When we got to my mom's bank, we went to customer agent area, instead of writing the mandate letter, we told the agent everything that happened leaving nothing untouched. the agent said we should give him the number of the staff that called us, when he called the Sarah with his phone, Sarah gave him another name, instead of introducing herself as Sarah, she said her name is Evelyn. She now told the agent to hold my mom down till she (Evelyn) gets to that bank to arrest my mom or whatever.

The agent said on what basis would he hold my mom down. The agent checked the description when the money was sent and he couldn't understand the description. He was saying how could this be government money. He told my mom to try and return the money spent and he told us to go.

The description on the transfer when it came in on Sunday was: "National Procurement of Scanners" #3million.

Is this truly a government money?

Nairalanders what are your opinions? Because my mom is scared, Sarah or Evelyn bullied her on the phone with jail time.

I don't know what to do.

Wow! This is serious.

I believe there are two things are involved. Either it was racket money that was mistakenly sent to your mum's account, or it is actually government money. Either way, my question is how did the person get your mum's number?

This procedure is strange anyway. The normal procedure is for your mum to be tracked via her phone number and whisked away or a PND will be placed on the account with an Order to arrest the account holder/operator on sight.

The fact that you were actually in the bank and this did not happen gives me the impression that it might be racket money.

But this does not exculpate you, as spending funds erroneously sent to your bank account amounts to fraudulent conversion and you all could get into serious trouble for conspiracy to convert and fraudulent conversion itself.

Remember that Ilorin taxi driver that got 2 years imprisonment last year or so? He is a clear example of what I am talking about.

My simple advice is this. Return whatever you have spent from it and hold your position. Since you have reported to your bank, wait and see what happens in the coming months. If nothing happens, get a forfeiture order that the funds be forfeited to you since nobody can tell the origin of the funds. This will make the funds yours legally.

A client got into trouble last year under similar circumstances. Some cartel of hackers hacked into a state government account and moved some hundreds of millions. My client got 500k and went on a shopping spray. About 6 months later, men in black came to pick and whisked him away to one of these Northern state.

The family sold almost everything they had before the guy got freedom. The security agency at first insisted he was part of the cartel and they drilled the shit out of him to named his gang members.

So just be kiaful. Don't invite trouble with your hands. Enough said already.

Shalom.