TransAtlanticEx:
What is happening to dollar today?
Why are abokis not buying since Friday?
What's going on?
Did the CBN say something?

DexterousOne:


Did you say democracy does not work?

My goodness

Just wow....

And just so you know
China is NOT a developed country
But that is another talk


Some of the comments I read here are just amazing

tracyorez:
Good day my big oga's in the house.please I need advice from you guys.
I invested in tbills in 3 different occasions. 4.5m, 800k and 920k. I needed to open a phone and accessories shop so I approached my bank in January to cancel my tbills of 4.5m which was to expire Sept. this year but the guy I approached adviced me to apply for loan of like 1.5 but I refused and instead went for just 1m loan.with my tbills cert.of 4.5m.The problem now is other tbills expired before September and they all dropped into my account except the 4.5m so I paid back the 1m into the acc. he opened for me and asked him that I needed my 4.5m to reflect in my account as it did not drop like others.
My brothers and sisters,this guy keeps giving me different excuses till now. Should I go strait to his manager or still wait?.
He was even begging me to continue using the loan even if my money appears since the interest is low but I told him I needed my money to reflect first.

tracyorez:
Good day my big oga's in the house.please I need advice from you guys.
I invested in tbills in 3 different occasions. 4.5m, 800k and 920k. I needed to open a phone and accessories shop so I approached my bank in January to cancel my tbills of 4.5m which was to expire Sept. this year but the guy I approached adviced me to apply for loan of like 1.5 but I refused and instead went for just 1m loan.with my tbills cert.of 4.5m.The problem now is other tbills expired before September and they all dropped into my account except the 4.5m so I paid back the 1m into the acc. he opened for me and asked him that I needed my 4.5m to reflect in my account as it did not drop like others.
My brothers and sisters,this guy keeps giving me different excuses till now. Should I go strait to his manager or still wait?.
He was even begging me to continue using the loan even if my money appears since the interest is low but I told him I needed my money to reflect first.

tracyorez:
Good day my big oga's in the house.please I need advice from you guys.
I invested in tbills in 3 different occasions. 4.5m, 800k and 920k. I needed to open a phone and accessories shop so I approached my bank in January to cancel my tbills of 4.5m which was to expire Sept. this year but the guy I approached adviced me to apply for loan of like 1.5 but I refused and instead went for just 1m loan.with my tbills cert.of 4.5m.The problem now is other tbills expired before September and they all dropped into my account except the 4.5m so I paid back the 1m into the acc. he opened for me and asked him that I needed my 4.5m to reflect in my account as it did not drop like others.
My brothers and sisters,this guy keeps giving me different excuses till now. Should I go strait to his manager or still wait?.
He was even begging me to continue using the loan even if my money appears since the interest is low but I told him I needed my money to reflect first.

OgogoroFreak:
You need to expose him. Go to the banks Twitter page and post on their wall so everyone can see it. Also, quote CBN.

I think the guy has invested your money elsewhere, using your money to make profit. He's supposed to pay back with interest.

tracyorez:
Good day my big oga's in the house.please I need advice from you guys.
I invested in tbills in 3 different occasions. 4.5m, 800k and 920k. I needed to open a phone and accessories shop so I approached my bank in January to cancel my tbills of 4.5m which was to expire Sept. this year but the guy I approached adviced me to apply for loan of like 1.5 but I refused and instead went for just 1m loan.with my tbills cert.of 4.5m.The problem now is other tbills expired before September and they all dropped into my account except the 4.5m so I paid back the 1m into the acc. he opened for me and asked him that I needed my 4.5m to reflect in my account as it did not drop like others.
My brothers and sisters,this guy keeps giving me different excuses till now. Should I go strait to his manager or still wait?.
He was even begging me to continue using the loan even if my money appears since the interest is low but I told him I needed my money to reflect first.

tracyorez:

Are you serious? and he is actually my account officer.pls what's first bank's Twitter handle biko and he has done this to me before in June when 7 years sukuk bond was on.i got the info here and contacted him.i approached him and invested 800k,he gave me forms to fill but I dint get any notification in my email until after 3 months and my 800k reflected back into my account without any interest.i questioned him and he said he will mail head office and find out,till today,nothing.
I called him today and he kept saying pls madam,it's my wife,I am having serious marital issues and it has been distracting me pls give me till evening to get back to you bla bla bla......
What I requested since october.I will open a Twitter account tomorrow unfailingly.

Lazyyouth4u:

You pledged the face value of the 4.5m Tbill to the bank when you took the loan. It cannot reflect in your account na until you have repaid the entire loan with interests and all fees. Go and read the loan documents again. I hope you signed one sha.

The guy was probably begging you because of his KPIs. Guy man dey try meet targets. It’s not easy for those guys.

emmanuelewumi:



What is the name of the bank? What are the terms of the loan as stated in the offer letter?

tracyorez:

I have paid back the loan since mid September with interest and even extra 2k ontop.
He was the one that told me it will take less than a week for my money to reflect and told me he would like me to be using the loan without tbills collataral,that he will vouch for me but I declined that my money will be enough for me.

emmanuelewumi:



Please report him to his superiors.

Lazyyouth4u:

If you have fully repaid the loans, then there’s no reason why they should be holding on to the 4.5m. You should go and speak with his manager. If the bank is the one still holding on to the money, they should pay you interest for the additional months (September till whenever it hits your account). Make sure to mention this to them.

tracyorez:

First bank.
2 percent interest every month as long as I leave
one 6th of the total money withdrawn in the account every 25th of the month.i was given a visa card with the money in it and I never defaulted for once and they even debited me 5k for insurance which I did not ask to be returned.the one million has been in the account untouched since mid sept.i even added about 2k ontop for them.
I only signed the documents which he kept.i don't have any with me.

Lazyyouth4u:

But what is the loan tenor? It’s possible that the loan is still running in their system. Maybe it’s a one year loan. You need to know the terms of this loan. It’s very strange that the guy didn’t give you a copy sha.

tracyorez:

He did not give me any copy.
The loan is meant to run for 3 years but I clearly told him I won't need it beyond September and he said I can cancel it then.
It's a visa card that will expire the year 2023.

Lazyyouth4u:

Well, you may have to formally cancel it in writing to get back your money. The prepayment/cancellation process is stated in the loan documents. Ask the guy (or his manager) for a copy of your loan documents or better still just tell them you want to cancel the loan and get your money ASAP. If you can’t get a hold of them, then call their head office or customer care folks. You can also go to the office you signed the loan documents in to speak with them.

tracyorez:

He called me to come and official write for it to be cancelled 2 weeks ago at a branch that was very far from me,I then told him to write on my behalf and sign with my initials which he called me back to tell me it was done that it was just a matter of days.
This is 2 weeks ago.
I even tried withrawing from the loan account October ending and discovered that it has already been blocked with the complete money in it.
They blocked it and still held mine.this is just plain wickedness.

tracyorez:

He called me to come and official write for it to be cancelled 2 weeks ago at a branch that was very far from me,I then told him to write on my behalf and sign with my initials which he called me back to tell me it was done that it was just a matter of days.
This is 2 weeks ago.
I even tried withrawing from the loan account October ending and discovered that it has already been blocked with the complete money in it.
They blocked it and still held mine.this is just plain wickedness.

ojesymsym:
Is it possible for a bank worker to sign on a customer's behalf? Not sure of that.
Send email to firstcontact... Google their email and ask why your tb has not been paid to you. Do that this night, it takes about 2 days for them to respond so the earlier the better. I suggest you talk about your TB and not the loan as I want to believe the 2 transactions are separate from each other, if they are not let them be the ones to tell you how they are related.

Desanta:


Send a mail to their head quarters and copy CBN. You will get you money with 2 working days.

The guy is trading with your money.

tracyorez:

I have googled cbn and first contact email.i will send a mail tonight.
I am really disappointed in that guy.i trusted him and made all my transactions go through him and tipped him alot as my account officer.
I trusted him to the extend that I will call and ask him to transfer money to someone and he will do without me coming to the bank to sign.
Well,life itself is a lesson and I have learnt more.

ojesymsym:
Jeez... U handed your account to an account officer to such an extent. Hmmmm. I am sure he must have sent you an indemnity form at one stage of this friendship.

Account officers are not supposed to be your friend, always keep the relationship official. God forbid you die or he even kee u das how he will transfer the money to his account.

ojesymsym:
Jeez... U handed your account to an account officer to such an extent. Hmmmm. I am sure he must have sent you an indemnity form at one stage of this friendship.

Account officers are not supposed to be your friend, always keep the relationship official. God forbid you die or he even kee u das how he will transfer the money to his account.

tracyorez:

I have googled cbn and first contact email.i will send a mail tonight.
I am really disappointed in that guy.i trusted him and made all my transactions go through him and tipped him alot as my account officer.
I trusted him to the extend that I will call and ask him to transfer money to someone and he will do without me coming to the bank to sign.
Well,life itself is a lesson and I have learnt more.

tracyorez:

I have googled cbn and first contact email.i will send a mail tonight.
I am really disappointed in that guy.i trusted him and made all my transactions go through him and tipped him alot as my account officer.
I trusted him to the extend that I will call and ask him to transfer money to someone and he will do without me coming to the bank to sign.
Well,life itself is a lesson and I have learnt more.

tracyorez:

I have learnt my lessons though I have never seen him outside the banking hall and I have never filled any form except the loan form but this attitude says it all. he cannot be trusted one bit.

tracyorez:

First bank.
2 percent interest every month as long as I leave
one 6th of the total money withdrawn in the account every 25th of the month.i was given a visa card with the money in it and I never defaulted for once and they even debited me 5k for insurance which I did not ask to be returned.the one million has been in the account untouched since mid sept.i even added about 2k ontop for them.
I only signed the documents which he kept.i don't have any with me.

tracyorez:

He did not give me any copy.
The loan is meant to run for 3 years but I clearly told him I won't need it beyond September and he said I can cancel it then.
It's a visa card that will expire the year 2023.
I signed and he called me to come and collect the visa card that came with the money in it and he activated it via ATM