Akin3891:


First bank staff could be this shady, sometimes ago i got an unexplained debit of 21k from my saving account,then later received a call from a lady who claimed to be my account officer and she said we had to debit your saving account because you moved some funds from your current account and left no money in it to cover cot, I was like why didn't you seek my consent before you do that, I'm sorry she said.

From that day onwards, she will call me just to ask how I'm doing and if I needed some loans, plus keeping records of my transactions even to 100 naira ,making assumptions of knowing me for many years now, someone I've never met before.

I suspected monitoring spirit, I simply move all funds out at least till the time she will keep her eyes away, Next day she called to know why, I just shrugged.

Lazyyouth4u:

It is very normal for banks to move money from funded accounts to unfunded accounts so the customer does not get hit with unnecessary huge charges on the unfunded account or bad credit (for banks in developed countries as things like these are reported to the credit agencies and will affect credit score of the customer). It is usually done in the interest of the customer (of course the bank also wants to get its fees). They may move the money and then inform the customer after. It is not shady and happens all the time sir.

She’s your account officer and it’s her job to monitor your account and market the bank’s products to you. Also, good account officers try to maintain good relationships with owners of accounts assigned to them.

Ghost01:
What the bank did, by debiting your savings account to cover for unpaid Account Maintenance Fee in your current account, is perfectly legal though. It was one of the terms you agreed to when you signed your account opening form.

FatherCHRISTMAS:

but they are separate accounts. all these banks draft ambiguous terms that are obviously against the customer but they get away with it because the system isn't what it should be
smh

richforever123:


You know, I actually admired you from affair and felt you were wise before this comment, this is a perfect example of educated trash, I already know you will say you are not here to please anyone, however I just thought to let you know

DexterousOne:


What is this guy talking about bikonu

TransAtlanticEx:
DJ cuppy is scratching discs because she isn't savvy enough to run a business na.Time wasted can never be gotten again,if she knew this(business and time value for opportunity),she wont spend a minute of her time in any stupid music video.How much does humanity pay a DJ ffs?And you say money is nothing?
If otedola hadn't continue his business,will she be free and financially buoyant enough to be fooling around in the name of DJ? If I was her father I would have cease funding her,let me see where the money she uses to be stupid will come from.
More reasons why you should marry money savvy women so as to birth smart kids who can continue the empire.
I'm sure you know late chief Joe ogbebor of OMG SYNERGY and you should know his daughter Ose Alexander Aisien,the C.O.O and his son Owen as the MD continuing after their father died last year abi?
Who wouldn't want to have this?You think Otedola is happy about his kids fooling around? Not like they are even succesful entertainers like Davido or so.mtcheew.
Well,I don't have energy to talk,if you like,marry stupid women in the name of emotionally balanced abi "good",na una know.
I will never do it till this world end!I told my gees I won't marry a woman that makes less than 500k a month them dey look me like say I dey craze.
Time shall tell

abraolas1:
hmmm...its getting interesting

Desanta:


As expected.

tracyorez:

My brother,I didn't not receive any alert yesterday.
The ops manager called that I should pls give him Monday grace since today and tomorrow is not a working day.
I won't give beyond that Monday as I need to have a rest of mind myself.
If I don't receive alert by 12 noon Monday I will go to the bank and send the mail right in the presence of the Opm and let the war begin.
I believe I have exusted all I can bear.
I will update you guys.

abraolas1:
hmmm...its getting interesting

tracyorez:

Lol. He is opposite of all you listed. He is in his 40s with big tummy,married with 4 kids.My husband is rich and In his late 30s and has all you listed.I am less than 30 so do the maths.
And moreover,my hubby told me after our wedding that if I cheat on him,he will put a bullet in my brain and I believe him cos I new he meant it when I looked into his eyes that night and he makes sure that I lack nothing.

tracyorez:
Good evening Oga's
Update:
He sent me a message this morning after several missed calls to walk into any first bank and officially write for the Ncc card to be closed.He included a serial number to give to them and said I should tell them to treat as urgent.
So on my way to my phone shop I branched their headquarters and approached the cs people since the ops manager was not on sit.i spoke to the customer service and she said I should have officially written that closure request that september instead of just discussing it with my account officer after checking her system.she also called the guy in my presence and the guy told her I have not been picking his calls. She then said since I have officially written the letter today and signed and my signature comfirmed that I should give her 2 days to complete the whole thing and that my money will surely enter my account and that she is certain the guy dint trade with my money.
I also requested for a copy of the documents I signed and she said I am meant to have only the offer letter that the one I signed was bank's copy.well,I told her I only got the visa card with no offer letter.
Now that I have officially written,I intend to give them few days to process it so that when I write to the head office and copy Cbn,I will have something tangeable to hold since I never officially requested the termination until today.
The question is : should I press further for the documents I signed or I should forget it for now?

Then, if you guys still insist I write first Bank and copy cbn,I can still do it right now as the message I already typed is still in my draft.

Lazyyouth4u:

Madam, how far? Has he paid your money? Has he sent you the loan documents and Tbill certificate for the 4.5m that expired in September? Hope he hasn’t used your money for MBA sha. If he has, then you are sitting on a very long thing. Without any of those documents, you will struggle to get your money back if he decides to disappear o.

abraolas1:
hmmm...its getting interesting

tracyorez:
Good evening Oga's
Update:
He sent me a message this morning after several missed calls to walk into any first bank and officially write for the Ncc card to be closed.He included a serial number to give to them and said I should tell them to treat as urgent.
So on my way to my phone shop I branched their headquarters and approached the cs people since the ops manager was not on sit.i spoke to the customer service and she said I should have officially written that closure request that september instead of just discussing it with my account officer after checking her system.she also called the guy in my presence and the guy told her I have not been picking his calls. She then said since I have officially written the letter today and signed and my signature comfirmed that I should give her 2 days to complete the whole thing and that my money will surely enter my account and that she is certain the guy dint trade with my money.
I also requested for a copy of the documents I signed and she said I am meant to have only the offer letter that the one I signed was bank's copy.well,I told her I only got the visa card with no offer letter.
Now that I have officially written,I intend to give them few days to process it so that when I write to the head office and copy Cbn,I will have something tangeable to hold since I never officially requested the termination until today.
The question is : should I press further for the documents I signed or I should forget it for now?

Then, if you guys still insist I write first Bank and copy cbn,I can still do it right now as the message I already typed is still in my draft.

Grupo:
Barrytone (RayRay06677),

Hope you don't have your money trapped in MBA?

emmanuelewumi:



They are on a looong thing

emmanuelewumi:



He is aware of the risks involved

Akin3891:


Hmm , I just wonder how people could be so WISE to get involves in such a scheme and still sleep peacefully at night.

If I have this guts, I would be making it so big via forex a lone ranger.... but in my current state, I can't afford to sleep with one eye open, it could kill me. I want to go to bed with nothing bothering mind.

Lazyyouth4u:

In the US, there are people that have made millions of dollars by investing in hedge funds that take positions in speculative investments including forex trading. It’s very risky but people actually make a killing from these investments (while many lose everything). If you want to be super rich, there’s no sleeping with two eyes o.

Lazyyouth4u:

You need a copy of the offer letter and loan agreement you signed to understand the transaction you entered into with the bank. It is very important! Ask him to send it to you immediately. From your posts, I am guessing the branch is in a village or far away from the city. Don’t go to them anymore. They are a family and all working together in these runs and they will keep posting you until the pot belly man can raise the funds.

Ask him to send you the offer letter and a copy of the agreement you signed first thing tomorrow morning. Read those documents and if the Tbill is not included as collateral, it means he used your money for business or MBA and you must report him to the police, EFCC, CBN and First Bank Head Office. It is a criminal offence!

Akin3891:


Things seems getting shaped, wait till Wednesday for them to have things sorted, don't send your drafted email yet. Insist on getting a copy of the contract signed to be sure if the loan you secured has anything connected with your matured tb.

Getting a copy of the signed form is to at least to have something to tender as a proof ,should you eventually need to email the head office. When next you fill such form, always take a photo before submission.

tracyorez:

I just sent him a text requesting the documents I signed .
I called the customer service lady I met at the head office cos she was working at the branch I signed off the card before it was vandalised and she said the documents will be at the branch I collected the visa debit card an that individuals don't move documents except they take it overnight to give customer to sign and return it to the bank.
But I think the Visa debit card I am holding is enough proof of the loan transaction as the 1m is still there but cant be withdrawn.
For the records.
He works at first bank office at the airport in Enugu and their head office I went to report is in okpara avenue .The head office covers the whole first bank in Enugu state.

Lazyyouth4u:

You need the documents to know what happened to your Tbill money. You also need it as evidence that you actually took a loan from them. Just in case kasala bursts. Don’t let them deceive you. Tell them to make photocopies and scan/send to you immediately. You keep talking about Visa card. How can you go to a bank or police and present visa card as evidence of a loan? What if the guy just opened an account, deposited 1m in it and gave you an ATM card?

Looks like this is the first time you are dealing with a bank and they seem to know that. That is why they are playing games with you. Please try to be more assertive when it comes to your money. Otherwise, people of the world will just chew you up and spit you out.

Akin3891:
Jeez. Bitc.oin is on fire. Anybody tapping into this free wealth creation ? Thought joining the train at 10k usd was late, now almost 17k, what a great miss.

tracyorez:

Thanks for this info
I just sent a mail to first contact and copied cbn.i requested to know why the treasury bill I bought did not drop since September.
Let me start from there.
I know the branch he was drafted to after his branch was vandalised and I will pay him a surprise visit there tomorrow.

tracyorez:

Thanks for this info
I just sent a mail to first contact and copied cbn.i requested to know why the treasury bill I bought did not drop since September.
Let me start from there.