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True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" - Business (3) - Nairaland

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Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by julietm123: 4:35pm On Sep 14
You want the bank to close down abi? Do you know how many of such case abound? Abeg leave matter. Everyone should be careful both old and young. This is a lesson but tommorow now you will still find people falling for such fraud.
itiswellandwell:
Hmmmmm. Diamond bank could have on their own helped mama and forget the shitty mouth making investigator.

Check my signature for ongoing promo of our full capacity powerbank

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Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by ElPadrino33: 5:34pm On Sep 14
BrotherJesu:


I didn't comment for you to reply. It is you that will die young. In fact you'll die tonight. Bastard

you obviously gon die young with dis ur lack of respect for eldas
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by ElPadrino33: 5:36pm On Sep 14
It is you that will die young. In fact, you'll die tonight. Bastard
BrotherJesu:




you obviously gon die you with dis ur lack of respect for eldas
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by ElPadrino33: 5:37pm On Sep 14
Thanks
DesireBenjamin:


Listen to d rubbish ure spewing! Mtcheeew Pray u get to the mamas age. Nonesense and arrogance.
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by millomaniac: 6:05pm On Sep 14
ugonnachimezie54:
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Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by onegig(m): 6:09pm On Sep 14
Sterope:
They are not liable to begin with. I doubt if the manager is authorized to cushion the effect of her ignorance and also I think it is foolish to encourage banks to give money either in part of in whole. It is business not a charity and they have to do that for a very long lousy of people. It is an unfortunate case, they can only wish her the best.


They aren't liable on paper but the bank is a fully liable if this was tabled in a law court. You look at the environment you work in and prevent most of these things by not allowing such access to people in such categories. For goodness sake what does a pensioner who can't make use of gadgets need mobile and Internet banking for? They can't read nor write and the bank goes on sweeping application of new products without the consent of their customers.

All these useless banks with their dumb thinking. A bank enabled a mobile platform on my account that I never asked for and I had to go all the way to block it. Just imagine how easy it is to prey on such old people when all they have as security is just a useless OTP code and last 4 digits of theit atm card . Something they have no idea of and how it can be used against them. Someone who can't read nor write.

I wish we had class action lawsuits in Nigeria. Would be fun to sue all these dum.b people and corporations we have in the country who can't see an inch above their noses.

We ask why old people have apathy to new technologies. This is one of it. Tell me why another pensioner would put their money in the bank when they can be screwed over by lapse in security by the banks. So what's the essence of BVN registration when you can't trace funds transfer from one account to the other?


Truly.....this country is a joke.
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by julietm123: 6:47pm On Sep 14
So you believe that thrash? No bank can activate mobile banking without the permission of the client. She may have ignorantly accepted mobile banking.
Gamesmart:


Okay. If that is truly the case, then you have a very strong point there and there is ground for lawsuits.
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by gezzyvinci(m): 6:58pm On Sep 14
soberdrunk:
I knew the bank will come up with a very well orchestrated denial story and wont accept liability in any way, if Diamondbank is a responsible bank that cares about customers, the right thing to do is give mama at least half of the money while they investigate and try to recover the money. What if that money is the only hope for that old woman, do you expect her to die of hunger while they keep speaking big big grammar? angry

Ps-All you professors in Liability assessment mentioning me, if the old woman was hypertensive and died of stroke right there in the bank premises and the news got out like "Diamondbank customer dies in bank after account was emptied" we will know how denying liability will help their growth angry

U r not ok
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by Sterope(f): 7:00pm On Sep 14
Unless there are other facts NOT mentioned but which speak to the bank's negligence, the bank is not legally liable.

There was no mention of her literacy level nor do we know if the mobile app was enabled without her consent. Either way, I am not going to presume for her. Also, I do not know the relationship between the activation of mobile application and the bank's security..so no I am not going to comment on that.

It is presumed that bank customers will not share their personal details including their BVNs with a third party. This mistake is not applicable to old people alone, I see young ones making the same mistakes. IMO, it would be against public policy to even make such laws that would make banks liable because their customers shared personal details with a third party out of ignorance. I don't see that happening. It is one of many cons of the internet age. I see the same scenario everywhere even outside the continent.

The woman can always report to the police, EFCC etc. I doubt if the bank is obliged to help her trace her money. BVN is a product of the government not the bank, so I won't be quick to question the bank where bvn is concerned.


onegig:


They aren't liable on paper but the bank is a fully liable if this was tabled in a law court. You look at the environment you work in and prevent most of these things by not allowing such access to people in such categories. For goodness sake what does a pensioner who can't make use of gadgets need mobile and Internet banking for? They can't read nor write and the bank goes on sweeping application of new products without the consent of their customers.

All these useless banks with their dumb thinking. A bank enabled a mobile platform on my account that I never asked for and I had to go all the way to block it. Just imagine how easy it is to prey on such old people when all they have as security is just a useless OTP code and last 4 digits of theit atm card . Something they have no idea of and how it can be used against them. Someone who can't read nor write.

I wish we had class action lawsuits in Nigeria. Would be fun to sue all these dum.b people and corporations we have in the country who can't see an inch above their noses.

We ask why old people have apathy to new technologies. This is one of it. Tell me why another pensioner would put their money in the bank when they can be screwed over by lapse in security by the banks. So what's the essence of BVN registration when you can't trace funds transfer from one account to the other?


Truly.....this country is a joke.
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by Mac2016(m): 7:05pm On Sep 14
EFCC and police time for action pls. For the being time, diamond bank should grant grandma small change abeg!
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by Aguiyiolo: 7:06pm On Sep 14
My Take Here Is That Mama Was Negligent By Releasing Her Account Details To An Unknown Person On Phone. Having Said That, I Think Daimond Bank Can Go A Step Further By Reporting This Matter With All Available Information To The Nigerian Financial Intellgence Unit(NFIU) Of CBN For Further Handling. The Details Of Fidelity Bank Csm And His Referees Can Be Obtained Even 15years The Relationship Had Been Exited.
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by poseidon12: 7:23pm On Sep 14
AerialMapper:
While i agree that the bank is not liable especially considering the woman gave out personal details, banks in general can do more to help customers. What is the point of the KYC noise that all make if they cannot help her track down the owner of the bank account the funds went into. All these useless banks know how to do is make you fill rubbish forms, then they go through the motion of nonsense verifications of home address before opening the account. If they follow the money and as long as they have one account the money went into, the culprits can be found!

Most of the banks don't even verify home address. That is one of the reasons I like StanbicIbtc. They would visit your address to verify before they open an account.
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by onegig(m): 7:33pm On Sep 14
Sterope:
Unless there are other facts NOT mentioned but which speak to the bank's negligence, the bank is not legally liable.

There was no mention of her literacy level nor do we know if the mobile app was enabled without her consent. Either way, I am not going to presume for her. Also, I do not know the relationship between the activation of mobile application and the bank's security..so no I am not going to comment on that.

It is presumed that bank customers will not share their personal details including their BVNs with a third party. This mistake is not applicable to old people alone, I see young ones making the same mistakes. IMO, it would be against public policy to even make such laws that would make banks liable because their customers shared personal details with a third party out of ignorance. I don't see that happening. It is one of many cons of the internet age. I see the same scenario everywhere even outside the continent.

The woman can always report to the police, EFCC etc. I doubt if the bank is obliged to help her trace her money. BVN is a product of the government not the bank, so I won't be quick to question the bank where bvn is concerned.



It's certain the money was moved using mobile money. Most mobile money transfers require the last 4 digits of your BVN or ATM card which is public knowledge and goes against the rules guiding use of Passcodes or PINs. I am an IT person and it's a sacred rule that passwords or whatever should never be written or printed down somewhere. Funny enough your BVN or last 4 digits is freely accessible by not only bank employees but the average Joe on the street.

The banks are very culpable. Most of these services are automatically added to your account without customers consents. Take for example the GTB mobile USSD. All accounts were auto linked without prior authorization of the customers. I am stating this as a fact. Is the bank not liable if such medium were used to swindle one of it's customers when they had no idea such existed in the first place?

Have you seen the receipts of a POS transaction?. For fu..cks sake. Most banks use the last 4 digits of your ATM to confirm transactions and funny enough all pos receipts that both the customers and the seller get have the first 6 and last 4 digits clearly printed. If you want pictorial evidence I would give it to you.

All someone needs to do is get my phone and use duplicate copies of receipts and they would be transferring money out of my account. I never for once agreed to such setup. So tell me , are these banks liable and on top of that very silly or not? Is that not reckless and jeopardizing the security of your customers? Is that not willful negligence? The customers were not in on it and definitely did not sign off on such so the banks should come explain how a medium I didn't sign up for was used to take money out of my account.

You can't defend this so please don't even try.


As stated I wish we had a very viable justice system. I wouldn't need to work another minute of my life by suing such reckless behaviour.
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by IRALIFE(f): 7:58pm On Sep 14
Though the bank should not be blamed, it is pertinent to note according to the story that the bank manager gave the fraudster a heads up when she called the number. She should have collected the number and handed it to their investigation team. It was clear at that point that the money was withdrawn fraudulently. They may have been able to track him before he absconded.
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by veron007: 8:14pm On Sep 14
soberdrunk:
I knew the bank will come up with a very well orchestrated denial story and wont accept liability in any way, if Diamondbank is a responsible bank that cares about customers, the right thing to do is give mama at least half of the money while they investigate and try to recover the money. What if that money is the only hope for that old woman, do you expect her to die of hunger while they keep speaking big big grammar? angry

Ps-All you professors in Liability assessment mentioning me, if the old woman was hypertensive and died of stroke right there in the bank premises and the news got out like "Diamondbank customer dies in bank after account was emptied" we will know how denying liability will help their growth angry

Bros you big big mum oooo. Where will the bank get money to give mana. From another person 's account? Her kids should come and take care of their mother. How can she be living alone?
Who installed a mobile app for her in the first place.
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by kyaagbanairaland(m): 9:14pm On Sep 14
omogin:
Diamond bank na bank? Put your money there at your peril
I have been with Diamond bank for over 7years now and I have not had any reason to regret banking with them. Yes, Diamond bank na bank.
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by Afritop(m): 9:48pm On Sep 14
I dont blame central bank, not diamond bank. But why should mama give out BVN Details
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by omogin(f): 10:05pm On Sep 14
kyaagbanairaland:
I have been with Diamond bank for over 7years now and I have not had any reason to regret banking with them. Yes, Diamond bank na bank.
Ok o, may your love never go sour
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by khalids: 11:36pm On Sep 14
Why are people just talking trash......

Nigeria has a high number of illiterate and elderly people who do not understand how all this technology works as it relates to banking....

Most of them where happy going directly to the banks to get their money....but no we had to force all these cashless means of banking on them...worst part is no one enlightens them on these things....and when they fall prey to all these young scammers, we begin to blame them....


Its a shame , when a society cannot protects its elderly and weaker members of society.....For me I think the banks need to do more in protecting their customers...because without them there is no business....

Our security agencies also need to do more in apprehending these fraudsters....considering all the data you need to drop before opening an account...how are these scammers just able to disappear with out trace....

1 Like 1 Share

Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by Sterope(f): 2:16am On Sep 15
Well, they may be liable if the banking system operates as you have written..
onegig:


It's certain the money was moved using mobile money. Most mobile money transfers require the last 4 digits of your BVN or ATM card which is public knowledge and goes against the rules guiding use of Passcodes or PINs. I am an IT person and it's a sacred rule that passwords or whatever should never be written or printed down somewhere. Funny enough your BVN or last 4 digits is freely accessible by not only bank employees but the average Joe on the street.

The banks are very culpable. Most of these services are automatically added to your account without customers consents. Take for example the GTB mobile USSD. All accounts were auto linked without prior authorization of the customers. I am stating this as a fact. Is the bank not liable if such medium were used to swindle one of it's customers when they had no idea such existed in the first place?

Have you seen the receipts of a POS transaction?. For fu..cks sake. Most banks use the last 4 digits of your ATM to confirm transactions and funny enough all pos receipts that both the customers and the seller get have the first 6 and last 4 digits clearly printed. If you want pictorial evidence I would give it to you.

All someone needs to do is get my phone and use duplicate copies of receipts and they would be transferring money out of my account. I never for once agreed to such setup. So tell me , are these banks liable and on top of that very silly or not? Is that not reckless and jeopardizing the security of your customers? Is that not willful negligence? The customers were not in on it and definitely did not sign off on such so the banks should come explain how a medium I didn't sign up for was used to take money out of my account.

You can't defend this so please don't even try.


As stated I wish we had a very viable justice system. I wouldn't need to work another minute of my life by suing such reckless behaviour.
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by JAYUK: 2:19am On Sep 15
Free Internet, lots of free opinion,imagine there was a law on negative comments,people will peruse their write ups before posting them.
Mama was highly gullible,am so sorry for her loss.
The story version from Diamond Bank showed the case was duly escalated by the bank manager, Fidelity bank confirmed the fraudster have cleaned out the account. The account would have been blocked and a tracer placed on it to arrest the account holder if he visits any of Fidelity Bank branches.
Recall that for every credit there must be a debit, banks do not have where they keep free money for such situations.
Am sure Diamond Bank plc would have done everything possible to assist mama in the recovery.
We need to learn to assimilate information before coming out to thrash Organizations.

Diamond Bank remains my bank forever.
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by boladez(m): 6:51am On Sep 15
Angelb4:
1) How long from mama's first visit to the DB manager to the 2nd visit?

2) Did the DB Manager get back to her as promised?

3) How come no one stays with the mama who could help her manage her a/c and finances?

It's very easy to lay blames, but the mama's children have their own fault. Go pick your mother if you are so rich enough. Leave the bank manager alone.

Your position is so tainted with interest and not objective.

Should the mama be going to DB everyday to show she truly has been fleeced?

Where is your own mum and do you have someone who manages her account?...you are obviously still young and don't have aged parents !!! Don't worry when you get older you will know why the pig mother has a long nose


On the bank matter,

Unfortunately the banks rely on the negligence part of the customers to avoid and run away from the duty of care. Bank will rather watch and push the burden to customers while such customers have been fleeced under the banks watch (whether the customer is negligent or not)

When you open a bank account and these clown banks ask for bvn, data capture, utility bilk, address verification, referees, valid I'd etc etc ....are the documents just for the fireproof cabinets

If they know the money moved from account a to b why not draw on all the account documents in account b to get the true fraudstar?

What would it cost to refund the 500k to old mama I stead of declaring billions in profit? Why can't our banks behave life foreign banks who refund Once there is proof of fraud., but shut down all the channels upon which the fraud was perpetuated.

How many people castigating mama here has not been negligent at one time or the other. The system should be secure but also provide for a way of recovering such thefts or losses. Bank to bank should be able to resolve this. Fighting crime should be proactive and on all fronts. Refund the customer and get the criminal. I expect the justice system to be mature enough to have an e crimes division with accelerated hearings but no.....everybody benefiting from a run down system will never allow it to work

Its a shame we are in a country where

Banks and service providers are irresponsible

Govt security agencies are inept

Our people are selfish and flippant

What a shame!!
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by Femistico(m): 7:07am On Sep 15
But since the DB manager can link the fraudster to fidelity bank, I blive they can get all his personal details from there including address nd full name, why cnt they trace him home or let the security agents do that... It's a pity sha.. Imagine this old woman
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by amicable09(f): 7:24am On Sep 15
ElPadrino33:
Abeg make the woman go rest, she should be wiser next time. Age or ignorance shouldn't be an excuse
Both you and the 14 'people' who liked your post are super crazy!

Why am I speaking English sef?

Una dey crase!
You better find one dustbin corner go sit down.
Mtshew

4 Likes 3 Shares

Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by amicable09(f): 7:37am On Sep 15
Femistico:
But since the DB manager can link the fraudster to fidelity bank, I blive they can get all his personal details from there including address nd full name, why cnt they trace him home or let the security agents do that... It's a pity sha.. Imagine this old woman
Femi, this submission of yours sounds nice but it's not that easy. The fraudster isn't a DB customer to start with. The money was wired to ANOTHER bank.

Banks owe their costumers duty of confidentiality. Just because the money has been traced to Fidelity doesn't mean at the drop of a hat, Fidelity should give out the KYC form to Diamond bank. Due process must be followed, they'll need to carry out their own investigations first.

Fraud is very sensitive. I've seen refunds happen many times because Fraud desk is unsure of the nature of a transaction and the narration is unclear.

My only problem with this case is that it lingered for too long with no remarkable progress/result. It can be resolved. The bank should work towards it.
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by ElPadrino33: 10:04am On Sep 15
That's why it's our opinion and not yours, respect it. There's no need to call anyone crazy.
amicable09:

Both you and the 14 'people' who liked your post are super crazy!

Why am I speaking English sef?

Una dey crase!
You better find one dustbin corner go sit down.
Mtshew
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by BrotherJesu(m): 11:47am On Sep 15
ElPadrino33:
It is you that will die young. In fact, you'll die tonight. Bastard






so e pain u ahahahahahahah
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by AerialMapper: 1:12pm On Sep 15
BanevsJoker:

Do you really believe the fraudster will pass the money though their own accounts? Do kidnappers make ransom demands from phone numbers registered in their own names? Do armed robbers operate with vehicles registered in their own names or do they used snatched vehicles, which they abandon afterwards? The bank can only be held liable if the victim did not divulge sensitive information to anyone. If you have ever given a relative or friend your debit card to withdraw for you, you are also guilty of divulging sensitive information and should pray your money doesn't start disappearing. Do you think the person will forget your PIN after the withdrawal? What if you forget to change the PIN afterwards? You hold the bank responsible right? Congratulations.

Ever heard of the phrase "Follow the money"? As long as it was an electronic transfer, it needs to be converted into a product or service or even physical cash at one point. He can bounce it from one account to another but eventually it needs to be cashed! Every single account that the money enters is a potential suspect until the culprit is found. I agree that it is a daunting task but diligent investigation can catch him/her.
Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by amicable09(f): 1:12pm On Sep 15
ElPadrino33:
That's why it's our opinion and not yours, respect it. There's no need to call anyone crazy.
Did I read where you wrote 'respect' in your post?

Guy, take my advice, I'm not charging you a dime for it:

GET THE PICTURE OF AN ELDERLY WOMAN FROM WHEREVER YOU CAN SOURCE FOR IT - YOUR VILLAGE, YOUR NEIGHBOURHOOD, INCLUDING GOOGLE, ENLARGE IT AND PASTE ON YOUR WALL!

Do it and you'll earn respect because it will be oozing out of you.

Thanks.

1 Like

Re: True Story Of Pensioner Who Was "Chased Away By Diamond Bank Manager" by ElPadrino33: 3:15pm On Sep 15
Thanks
amicable09:

Did I read where you wrote 'respect' in your post?

Guy, take my advice, I'm not charging you a dime for it:

GET THE PICTURE OF AN ELDERLY WOMAN FROM WHEREVER YOU CAN SOURCE FOR IT - YOUR VILLAGE, YOUR NEIGHBOURHOOD, INCLUDING GOOGLE, ENLARGE IT AND PASTE ON YOUR WALL!

Do it and you'll earn respect because it will be oozing out of you.

Thanks.

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