It's said,that problem shared is half solved.

I will try as much as possible to be succinct.please,spear a little of your time and read through.

It all started on 27th of January this year, when I came back from night class that very monday morning around 4:56 am,I noticed that the pivoted glass window of my room has been removed and the net carefully cut with sharp objects.On seeing that my heart skipped,my instinct told me something must have gone wrong.

Though this has never happened to me since over 2years plus I have lived in the lodge.As I opened the door,to my greatest surprise, I couldn't find my laptop,my Android phone,a phone of a friend who also plucked his phone in my room,and my MP player which I do use in blasting music in the lodge, all was taken away, I felt utterly devastated,I couldn't believe my eye at that moment.

I have to summon strength and go to school that very day,because,already I have been demoralized by that incidence and I have to be in school that day,because, I have quiz. When I dismissed from school it was already to four,I hurriedly get to mtn office to do the welcome back,they said since,I'm not with the pack,I have to go to the court and get affidavit,when I look at my time it's already after four the court has closed,it's now a thing of another day
I was so exhausted,i needed to get some rest,though hunger has taken its toll on me.on my way back I branch to ATM to collect 1k from my account so that I can get something to eat,the straw that breaks the camel's back was my lot. insufficient fund is what I saw on the screen boldly written on the ATM machine... This is unbelievable! I know I have close to 20k in my account which I was given to complete a particular payment in school,what happened?, what a terrible day! I lost appetite instantly I walked down to my lodge,I couldn't sleep that day.

Very early in the morning, I was the first person in the bank, when I met the customer care,he checked the account he ask me if I had collected loan from the bank,I said "never"-- though, accessbank do send me a message,asking if I need loan I should dail so so code, which I'm so wary of and dreaded it because,I do avoid banks and their cunny offer, He said,that my account was used to get a loan of 25k AFTER 17k dat was in my account was used in buying airtime and the 25k collected was transferred via WhatsApp transfer,it sounded strange to me,which one is whatsap transfer again?i quried in total indignation!I told him I never did,that my phone was stolen yesterday. I asked him,if there any trace information available which could be used to get the person? He said he won't disclose anything to me that I should go and get police report.


I have to moved to police station and make official statement and detail them the whole story,to cut the long story short,they ask me to bring 20k so that they can just track the phone or 7k to get court order so that they will go to the bank to seek if there is any necessary information that the bank will provide.but,I should note:that if bank didn't have any good information to track the person, that my 7k will be gone, that,they advised I paid 20k to track d phone that it will be easier.yes I knw it is better but at it is now, I that have such amount,I hardly feed,let alone of raising 20k.i have to leave police station thinking hard on what to do next,I was able to Hussle out and pay remaining fees for school thing because,its payment is already about to end.

I was still trying to know if I can get money,to start pursuing the case,and Covid19 lockdown come up, everyone had to vacate from school, though I do call the IPO that once I get the money I will come for the case,which he said it's alright anytime I'm ready I should come.


My greatest worry now is the bountiful of messages I'm receiving from accessbank both in my email and equally in my phone messages,they are issuing a whole lot of threat to me to come and pay the loan,that I would be reported to credit bureau and I will be blacklisted,that it s long overdue..that it's already 60days now.

Please,how do I go about this with them?even though I wasn't the one who collected the loan,I have it in mind to pay them but not anytime soon, because, for now school is closed and getting that amount to pay them now,I really don't see the possiblity. But,i keep asking is getting loan from the bank so easy like this,I just wonder why accessbank will just grant loan within a space of 28 hours.i blame them too.please, what do I do? because, this their threat is too much,and if they blacklist me with credit bureau what is its consequences.sorry for the long epistle.thanks for your time.

You should have blocked your line immediately
You should have blocked your atm
You should have blocked your account immediately those items where taken

You where negligent

You must pay the funds back unfortunately

Mind you, interest rates are gathering

I hope u have the contact

Try and pay off the loan to avoid more misery then I would advise you approach the police to track the receipient of the airtime. That will be a way to go

Golden1982:
it is ur bvn that access bank wants to blacklist and it is very bad anyway contact 08037111012 he is with efcc he might be able to help

Seriously? Even if you were genuine I don't think this is appropriate.

Yes,I take the blame,I suppose to have gone to the bank to report,but my head was full,my mind was in the quiz I'm to write that morning, hoping that once I'm done I will go and do welcome back that same day.it jus happened so fast.thanks.

livebyday:
You should have blocked your line immediately
You should have blocked your atm
You should have blocked your account immediately those items where taken

You where negligent

You must pay the funds back unfortunately

Mind you, interest rates are gathering

Greyworld:

Seriously? Even if you were genuine I don't think this is appropriate.

u are correct my mistake

Golden1982:
it is ur bvn that access bank wants to blacklist and it is very bad anyway contact 08037111012 he is with efcc he might be able to help

.okay.thanks

Dnonny14:
Yes,I take the blame,I suppose to have gone to the bank to report,but my head was full,my mind was in the quiz I'm to write that morning, hoping that once I'm done I will go and do welcome back that same day.it jus happened so fast.thanks.

U may not even need to go to bank, what if it happened during weekend? if something like this happen next time, just find someone that uses same bank as urs, get the Customer care number (always on the ATM cards) or find means to check d number online and report.

The needful would be done immediately.

Golden1982:
I hope u have the contact

pls wats the c0nsequence of one bvn been blacklisted ?

ur national identity card,international passport alternative bank accounts will be useless in short is a big problem

Golden1982:
ur national identity card,international passport alternative bank accounts will be useless in short is a big problem

hmm, dats a big problm , am having an issue wit the same a same acess bank, though mine is around january dis year when ever i make a bill payment via there ussd code they do reverse it despite been sucesfull and i dd nt bother going to bnk to c0mplain though now it have stopeed an its close to 2 mths n0w dey hav nt contacted me i just avoided the act cause dey started to debit me with out my concern

Golden1982:
I hope u have the contact

yes,I do.thanks.

Dnonny14:
It's said,that problem shared is half solved.

I will try as much as possible to be succinct.please,spear a little of your time and read through.

It all started on 27th of January this year, when I came back from night class that very monday morning around 4:56 am,I noticed that the pivoted glass window of my room has been removed and the net carefully cut with sharp objects.On seeing that my heart skipped,my instinct told me something must have gone wrong.

Though this has never happened to me since over 2years plus I have lived in the lodge.As I opened the door,to my greatest surprise, I couldn't find my laptop,my Android phone,a phone of a friend who also plucked his phone in my room,and my MP player which I do use in blasting music in the lodge, all was taken away, I felt utterly devastated,I couldn't believe my eye at that moment.

I have to summon strength and go to school that very day,because,already I have been demoralized by that incidence and I have to be in school that day,because, I have quiz. When I dismissed from school it was already to four,I hurriedly get to mtn office to do the welcome back,they said since,I'm not with the pack,I have to go to the court and get affidavit,when I look at my time it's already after four the court has closed,it's now a thing of another day
I was so exhausted,i needed to get some rest,though hunger has taken its toll on me.on my way back I branch to ATM to collect 1k from my account so that I can get something to eat,the straw that breaks the camel's back was my lot. insufficient fund is what I saw on the screen boldly written on the ATM machine... This is unbelievable! I know I have close to 20k in my account which I was given to complete a particular payment in school,what happened?, what a terrible day! I lost appetite instantly I walked down to my lodge,I couldn't sleep that day.

Very early in the morning, I was the first person in the bank, when I met the customer care,he checked the account he ask me if I had collected loan from the bank,I said "never"-- though, accessbank do send me a message,asking if I need loan I should dail so so code, which I'm so wary of and dreaded it because,I do avoid banks and their cunny offer, He said,that my account was used to get a loan of 25k AFTER 17k dat was in my account was used in buying airtime and the 25k collected was transferred via WhatsApp transfer,it sounded strange to me,which one is whatsap transfer again?i quried in total indignation!I told him I never did,that my phone was stolen yesterday. I asked him,if there any trace information available which could be used to get the person? He said he won't disclose anything to me that I should go and get police report.


I have to moved to police station and make official statement and detail them the whole story,to cut the long story short,they ask me to bring 20k so that they can just track the phone or 7k to get court order so that they will go to the bank to seek if there is any necessary information that the bank will provide.but,I should note:that if bank didn't have any good information to track the person, that my 7k will be gone, that,they advised I paid 20k to track d phone that it will be easier.yes I knw it is better but at it is now, I that have such amount,I hardly feed,let alone of raising 20k.i have to leave police station thinking hard on what to do next,I was able to Hussle out and pay remaining fees for school thing because,its payment is already about to end.

I was still trying to know if I can get money,to start pursuing the case,and Covid19 lockdown come up, everyone had to vacate from school, though I do call the IPO that once I get the money I will come for the case,which he said it's alright anytime I'm ready I should come.


My greatest worry now is the bountiful of messages I'm receiving from accessbank both in my email and equally in my phone messages,they are issuing a whole lot of threat to me to come and pay the loan,that I would be reported to credit bureau and I will be blacklisted,that it s long overdue..that it's already 60days now.

Please,how do I go about this with them?even though I wasn't the one who collected the loan,I have it in mind to pay them but not anytime soon, because, for now school is closed and getting that amount to pay them now,I really don't see the possiblity. But,i keep asking is getting loan from the bank so easy like this,I just wonder why accessbank will just grant loan within a space of 28 hours.i blame them too.please, what do I do? because, this their threat is too much,and if they blacklist me with credit bureau what is its consequences.sorry for the long epistle.thanks for your time.

Mr Man on ur phone let me call Yu nah!

Send them mails, explaining yourself....tell them all that happened, and if you still have your welcome back MTN sim, it'll be a proof that you lost your phone....but you sef would have blocked your account or change your password immediately your phone got stolen....it's not difficult, ussd code makes it easy... anyways, just send them mails and explain yourself, those mails will serve as proof when things get sour

Pay part payment of the loan to show good intentions

livebyday:
You should have blocked your line immediately
You should have blocked your atm
You should have blocked your account immediately those items where taken

You where negligent

You must pay the funds back unfortunately

Mind you, interest rates are gathering

This is somewhat unkind and inconsiderate! Sorry I had to say that. Did you ever consider the possibility that he didn't know he could have done any of those things? Even if he did, some people are poor with decision-making when disoriented.

Those things you mentioned aren't always as easy as you made them sound here in Nigeria. For example, what if he didn't have a second MTN line? Calling customer care from another network can be another story entirely.

I'm actually shocked that the bank can grant a loan request so easily. And how was it possible for transfers to be made without providing sensitive personal information? Which one be WhatsApp transfer again?

OP, if I were you, the foregoing are some of the questions I would ask the bank. I'd even threaten to take my story to the CBN, especially with regards to those questions.

No bank dare try this crap with me, I tell you. Otherwise, what happened in 1996 might repeat itself.

Omo, so police report and court order na money. Nigeria, I hail thee.

Don't try to track that phone, police will just eat your money, they can't track it for you...

Get a court order that will compel the bank to disclose where the whatsapp transfer went to.

As for the threat from access bank, don't fret.

U1:


This is somewhat unkind and inconsiderate! Sorry I had to say that. Did you ever consider the possibility that he didn't know he could have done any of those things? Even if he did, some people are poor with decision-making when disoriented.

Those things you mentioned aren't always as easy as you made them sound here in Nigeria. For example, what if he didn't have a second MTN line? Calling customer care from another network can be another story entirely.

I'm actually shocked that the bank can grant a loan request so easily. And how was it possible for transfers to be made without providing sensitive personal information? Which one be WhatsApp transfer again?

OP, if I were you, the foregoing are some of the questions I would ask the bank. I'd even threaten to take my story to the CBN, especially with regards to those questions.

No bank dare try this crap with me, I tell you. Otherwise, what happened in 1996 might repeat itself.

Omo, so police report and court order na money. Nigeria, I hail thee.

What happened in 1996?

Lalasticlala this guy deserve some help pls.

have you told your family about this already or you doing all this by yourself alone?
forget the police thing,
take action about the loan.
if you can pay the loan fine. pay it all and block the account and open a new one...
but tell your parents about it, they will know better

Epositive:
What happened in 1996?

Nothing at all. Something told me that someone would want to know.

U1:


Nothing at all. Something told me that someone would want to know.

You got me.

onward4life:


Mr Man on ur phone let me call Yu nah!

. Sorry,since after that incidence that number has not been going.this is my
new number 09029411991.thanks.

sherylbakky:
U may not even need to go to bank, what if it happened during weekend? if something like this happen next time, just find someone that uses same bank as urs, get the Customer care number (always on the ATM cards) or find means to check d number online and report.

The needful would be done immediately.

okay, lesson learnt.thanks.

Whois:
Pay part payment of the loan to show good intentions

a brother send 2.5k to me from there,before it land they have collected it already.

U1:


This is somewhat unkind and inconsiderate! Sorry I had to say that. Did you ever consider the possibility that he didn't know he could have done any of those things? Even if he did, some people are poor with decision-making when disoriented.

Those things you mentioned aren't always as easy as you made them sound here in Nigeria. For example, what if he didn't have a second MTN line? Calling customer care from another network can be another story entirely.

I'm actually shocked that the bank can grant a loan request so easily. And how was it possible for transfers to be made without providing sensitive personal information? Which one be WhatsApp transfer again?

OP, if I were you, the foregoing are some of the questions I would ask the bank. I'd even threaten to take my story to the CBN, especially with regards to those questions.

No bank dare try this crap with me, I tell you. Otherwise, what happened in 1996 might repeat itself.

Omo, so police report and court order na money. Nigeria, I hail thee.

. Seriously,that very morning,my mind is that let me go and write this quiz and quickly go and do welcome Back.

Collins4u1:
Don't try to track that phone, police will just eat your money, they can't track it for you...

Get a court order that will compel the bank to disclose where the whatsapp transfer went to.

As for the threat from access bank, don't fret.

that is what I'm trying to do,to get the court order,just that access bank threat is giving me a sleepless nite.

Anyone care to explain a whatsapp loan of 25k? this is why my phone is locked after 5 secs of inactivity

Orubebe01:
Lalasticlala this guy deserve some help pls.

. I really need help at this moment.i have been trying to tackle this on my own but the more I try,the more it's getting complicated.

waleyp:
have you told your family about this already or you doing all this by yourself alone?
forget the police thing,
take action about the loan.
if you can pay the loan fine. pay it all and block the account and open a new one...
but tell your parents about it, they will know better

Yes,I have relay it to my brother, which he sent #2,500, which they collect it immediately.i have open another account but it is with another bank.

I don't know if they will agree to put a stop to the account,so that the interest will stop accruing.though I will try it since the lock down is over....may they no arrest me oo

Why would they arrest you? Pay off the loan then close the account after that

Dnonny14:
Yes,I have relay it to my brother, which he sent #2,500, which they collect it immediately.i have open another account but it is with another bank.

I don't know if they will agree to put a stop to the account,so that the interest will stop accruing.though I will try it since the lock down is over....may they no arrest me oo