Moonie911:
Why will she forget it, this is the reason this country is not moving forward.
Everybody is just accepting something wrong and moving on, nobody is willing to fight for their right

That's why when we see people that can talk and stand up we worship them when they are even doing the bare minimum.

My dear go to your bank and make noise, when you do it once or twice even the manager will use his own money to pay you

Comments like this is motivating me. I'm not giving up on that money. It is my money and bank cannot defraud me.

TripleAkutigi:
which bank?

First Bank

AlexBells:

If you looked at the issue and my second comment I was quite concerned but then it is what it is, forget about whatever CBN directed, bail is free, an accused is innocent until found guilty, a suspect is not suposed to be detained bla bla bla, you and I knows that these issues can take way more time to rectify, I had stated that especially if it is connected to another bank ATM sometimes the money would even be in your account but it would not be seen by you.

I'm not trying to sarcastic but the most important thing to her was her health which is quite a serious thing but even within the five days as stipulated by CBN, she could have died if her life was to be solely dependent on the money, let's look at justice from the perspective of mercy too.

Obviously there is a fundamental breach of contract, and the intent of the bank is malicious. This is so because the bank held the money for months. The essence of damages is to bring the injured party to the position he was at the beginning of the contract.
In sueing for damages the OP must be able to prove that negligence on the part of the bank resulted to some unfavorable medical condition (he that alleges must prove). If not, the court will instruct the bank to only pay the 2k with a nominal fee.
But if the OP can prove that a fundamental organ in her system failed because of her inability to receive the 2k, then AM IN.

Ikinternational:



Read what I wrote again.

I only do bank transfers if I'm doing at least 50k

OK. Thanks

Befulfilled:

First Bank

abeg sue them, get a lawyer.

Befulfilled:


I don't care about all those. I need legal groundstanding if I can win the case.

My sister you are not alone. On 26th September I made a #6k PHED prepaid payment via my Eco Bank mobile app. I was debited but not given a token. Went to PHED and they confirmed they didn't get any detail from my bank. My bank keeps saying that it is hanging and they are working on reverting it. Since then, I have gone to the bank, filled form and chatted online with their customer agents for more than 30 times on a daily basis. The message I keep getting is, "the issue is currently receiving attention". This is November and nothing has happened. I threatened them with a lawsuit today but don't know how to go about it either.

Munamu:



Obviously there is a fundamental breach of contract, and the intent of the bank is malicious. This is so because the bank held the money for months. The essence of damages is to bring the injured party to the position he was at the beginning of the contract.
In sueing for damages the OP must be able to prove that negligence on the part of the bank resulted to some unfavorable medical condition (he that alleges must prove). If not, the court will instruct the bank to only pay the 2k with a nominal fee.
But if the OP can prove that a fundamental organ in her system failed because of her inability to receive the 2k, then AM IN.

Don't get jump into the case, it is quite dicey first of all, different system was involved and one of them being inanimate (Computer) which has no emotions or conceptualisation of contract, be that CBN maintained that bank should refund in 5 days, in this case, did your client die or develop the organ failure within 5 days.

What is the disease that she was having, is it acute or chronic, can the sickness lead to such organ failure after 5 days, whatever your arguments is, should take account of the fact that according to CBN everything being equal, the bank ought to refund the money within 5 days but as can be seen in this situation everything was not even being equal,

While at that if I'm defebding the bank I would still plead guilty and demand out of court settlement, which was the first thing I adviced earlier, the said lady is a customer of the bank and if you be the judge do you think my bank would be stupid enough to aid in the killing of our own customer. My lord I don't think my client here wants to kill their own client which our esteemed customer here is erroneously making it seem like, I would be most delighted if this honourable court may grant an out of court settlements so that we can first nurse her yo health as it seem she is obviously impacted

AlexBells:

Someone sent you urgent 2K meanwhile you survived without it, a proof that the urgent 2K was not urgent afterall, go and fill the form in the bank, there is a process for it, your money would be returned to you in no time it was a technical error, the money had left your account and now hanging especially if you used an ATM not operated by your bank. Sorry about your misfortune, now that your fine, you can withdraw the 2K and go and price land in Lekki

You're very wicked for saying she should withdraw the 2k and go and price land in Lekki.

Ikinternational:



Read what I wrote again.

I only do bank transfers if I'm doing at least 50k

0 7 0 6 4 3 9 0 9 6 0 MTN.. thank u

Befulfilled:


I have filled form and on a follow up going to 3 months now without a refund. They keep posting me. I want to sue them if I can claim damages.

Seek for lawyers on Pro bono

vinceyinnovation:
Like using 2k to chop damages of 100million naira from the bank...

Girl you have finally found a way out of poverty without selling your kidney..

But how far can you push the case without costing you in return...

Aside from that can you withstand thier starched t-shirt, AC and grammar...

I don drop mic run...

frowland:


Hope you won’t use atm for it this time.

Thanks so much. I wasn't expecting that.

Befulfilled:


So what should happen to my money and the pains they've cost me?

Otu Ocha

Just negodu nu oo

Which pain dem cost you just because your ATM failed to dispense ? Did you bother going to to the bank to make a formal complaint ?
I doubt you did cos they would have given you a form to fill and your money would have been reversed within a few working days if not immediately.

If you want the truth, you don't have a case here, not to talk of winning it.
Now you can think of more genuine ways to raise funds to pay that house rent wey don dey near or whatever is the reason for this your grand scheme

Myself2:


Otu Ocha

Just negodu nu oo

Which pain dem cost you just because your ATM failed to dispense ? Did you bother going to to the bank to make a formal complaint ?
I doubt you did cos they would have given you a form to fill and your money would have been reversed within a few working days if not immediately.

If you want the truth, you don't have a case here, not to talk of winning it.
Now you can think of more genuine ways to raise funds to pay that house rent wey don dey near or whatever is the reason for this your grand scheme

You see why it is not good to read shabbily and react? If you had read further, you would have seen where I mentioned lodging a complaint and filling a form but they keep posting me 20 working days, 10 working, 15 working days till date.

Ikinternational:



Read what I wrote again.

I only do bank transfers if I'm doing at least 50k

Thanks.

I lost #300 airtime to ATM till today zenith no credit me

AlexBells:

Don't get jump into the case, it is quite dicey first of all, different system was involved and one of them being inanimate (Computer) which has no emotions or conceptualisation of contract, be that CBN maintained that bank should refund in 5 days, in this case, did your client die or develop the organ failure within 5 days.

What is the disease that she was having, is it acute or chronic, can the sickness lead to such organ failure after 5 days, whatever your arguments is, should take account of the fact that according to CBN everything being equal, the bank ought to refund the money within 5 days but as can be seen in this situation everything was not even being equal,

While at that if I'm defebding the bank I would still plead guilty and demand out of court settlement, which was the first thing I adviced earlier, the said lady is a customer of the bank and if you be the judge do you think my bank would be stupid enough to aid in the killing of our own customer. My lord I don't think my client here wants to kill their own client which our esteemed customer here is erroneously making it seem like, I would be most delighted if this honourable court may grant an out of court settlements so that we can first nurse her yo health as it seem she is obviously impacted

So much for a lawyer! Read my lines again. Computer or no computer,the fact is that there is a breach of contract. Is the bank not charging for use of ATM? The OP said she solicited for fund to treat a medical challenge which the bank refused. If she can prove that the bank's refusal caused her both emotional and medical break down, then the court will compensate her more than the nominal fee, because the breach is fundamental. Infact the CBN will be joint in the suit, since it is the regulatory bank.

Munamu:



So much for a lawyer! Read my lines again. Computer or no computer,the fact is that there is a breach of contract. Is the bank not charging for use of ATM? The OP said she solicited for fund to treat a medical challenge which the bank refused. If she can prove that the bank's refusal caused her both emotional and medical break down, then the court will compensate her more than the nominal fee, because the breach is fundamental. Infact the CBN will be joint in the suit, since it is the regulatory bank.

No you didn't get the situation, she went to withdraw from an ATM machine but she was debited without the money being dispensed, it happens atimes, it is not that the bank refused to give her the money.

She later went to bank to complain but myself from personal experience if the ATM is another bank ATM, it takes time becuase the two banks need a back and fort confirmation.

So while she can go to court, I don't see the reason, there is no contract that ATM machines MUST never malfunction.

Zero chances in nigeria

Just like many dads who get nothing for fathers day

Befulfilled:
My head is not thinking right right now cos I'm going through a lot. I was in dire need of money for hospital bill when someone sent me some money due to my cries. Using ATM to withdraw it, I was debited but not dispensed. Going to 3 months now, the bank has not refunded. That money was to save a life but bank played politics with it.

What are my chances if I sue them for damages?

Sometimes in life you just have to learn how to lose, you must be a very stingy girl

Nackzy:
Sometimes in life you just have to learn how to lose, you must be a very stingy girl

If I should lose something, it is bank I would allow to scam me? Use your head very well.

jaeyking:
Ontop 2k

You get lawyer wey go stand for u for free??
You get money to follow up the case??

Biko go sleep abeg.

Na who get money dey pursue case no start wetin u no fit finish

Na d problem with the country be this. There is a lot of unnecessary frustration in the system. This kind of Avenue to find redress is accessible in foreign countries and that's the difference with them...that's why their service is topnotcth, because everybody is on their toes.
An injustice no matter how small should be nipped in the bud early. And if u can gove any reasonable suggestion to someone that is down, u should just keep shot

It's like playing baba ijebu or bet9ja, las las one leg go cut and you loose.

Befulfilled:
My head is not thinking right right now cos I'm going through a lot. I was in dire need of money for hospital bill when someone sent me some money due to my cries. Using ATM to withdraw it, I was debited but not dispensed. Going to 3 months now, the bank has not refunded. That money was to save a life but bank played politics with it.

What are my chances if I sue them for damages?

Minus the cost of paying a Lawyer and tell me your balance out of that 2000

Befulfilled:


You see why it is not good to read shabbily and react? If you had read further, you would have seen where I mentioned lodging a complaint and filling a form but they keep posting me 20 working days, 10 working, 15 working days till date.

Shabilly bawo ?
I quoted a comment you made and in the whole body of that comment, you did not mention that you had gone to lodge a complain so if you have gone ahead to state it in a subsequent comment, you don't expect Nairalanders to start sorting your comments and see where you have added new information when all you need do as the OP is to go up to your original comment and add the new information, so I stand by my comment.
Better go and do the needful

Have you read their terms and condition?

Banks are hard to defeat most times ooo.. thread wisely!

thinkmoney:

Na d problem with the country be this. There is a lot of unnecessary frustration in the system. This kind of Avenue to find redress is accessible in foreign countries and that's the difference with them...that's why their service is topnotcth, because everybody is on their toes.
An injustice no matter how small should be nipped in the bud early. And if u can gove any reasonable suggestion to someone that is down, u should just keep shot

If you have a friend in LAW who can take up the case for her. Please try to join her with this lawyer
But until den don't mention me again

eminiman:

please i sent you private message
thanks

The mail thing is not working, you can say what you want to say here, if it's Ok by you.

U want to sue a bank for withholding 2k.....lol.....did u make a mistake? Is it 200k u want to type or 2m? It is well o....... So how much u Wan come bill them?

[quote author=Befulfilled post=107703415]My head is not thinking right right now cos I'm going through a lot. I was in dire need of money for hospital bill when someone sent me some money due to my cries. Using ATM to withdraw it, I was debited but not dispensed. Going to 3 months now, the bank has not refunded. That money was to save a life but bank played politics with it.

What are my chances if I sue them for damages? Write a mail to customer service department and copy consumer protection department cpd@cbn.gov.ng they will act fast on it though same happened to me 2 weeks ago 7k was debited.someone gave me d mail today and they assured me of getting my money.

Befulfilled:
My head is not thinking right right now cos I'm going through a lot. I was in dire need of money for hospital bill when someone sent me some money due to my cries. Using ATM to withdraw it, I was debited but not dispensed. Going to 3 months now, the bank has not refunded. That money was to save a life but bank played politics with it.

What are my chances if I sue them for damages?

I wish I could slap you for raising this topic … Do you think legal process is free or can you withstand the stress of going to court every time ? Even for 200k I can’t advise anyone to sue cos it takes time and money .