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Nairaland Forum / Nairaland / General / Business / Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? (30384 Views)
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Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by akinmusi(m): 1:56pm On Jun 24, 2021 |
tunbosun002: @OP From the PoS result code "0" zero The merchant (The Filling Station) was successfully credited with the sum of #10,000. It will take due diligence and talking to your bank or account manager to persuade merchant to acknowledge it because they might not know owing to several pos credit transactions. What your bank will do is to write the beneficiary (merchant bank) by way of saying saying you didn't receive value for the transaction. The bank of the merchant may now wish to contact them that their account was successfully credited siting date, time, RRN of the transaction and other details especially the time it was credited. All the best. 3 Likes |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by psucc(m): 1:57pm On Jun 24, 2021 |
Winneygirl:Your last lines though. The manager is the Chief Accounting Officer of the business and every other principal officers report to him, the accountant is no exemption. He has every right to request bsuch records fromthe accountant and do the needful. But in this case, he only wants to play some funny game. |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by chronique(m): 1:59pm On Jun 24, 2021 |
Lexusgs430: First bank still de owe 6k for 2 years now. The money is in lien. It came from an online payment that I did and was debited twice. I can't keep going to the bank to queue and fill form for 6k everytime. I can't withdraw it. |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by ACE1010: 1:59pm On Jun 24, 2021 |
Guy you've been scammed |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by ThothHermes: 1:59pm On Jun 24, 2021 |
tunbosun002:Manager don chop 10k |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by akinmusi(m): 2:00pm On Jun 24, 2021 |
Esthered: I feel the staff helped him. Dont take that for granted and get the staff sacked. Only the Op bank can resolve it with the help of both the Mercant and their bank. |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by pek(m): 2:02pm On Jun 24, 2021 |
@Xkoba You can make your point without quoting the whole stuff. |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by empire78: 2:03pm On Jun 24, 2021 |
I will also advise you first print your Statement of account ,go back to the fuel station give the manager the photocopy let him see whatever he says take your action |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by jaxxy(m): 2:04pm On Jun 24, 2021 |
Their accountant or pos service manger should be able to check and confirm the payment for them. I’m not sure an ordinary manger who didn’t study accounting can resolve or confirm such declined bt debited payment by himself unless he’s been put through. I have had similar experience and the accountant of the place “a lounge” confirmed and got back to me in 1 or 2days because the bank has to give them their daily pos transaction report details the next day or so. |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by pauldanielchi(m): 2:04pm On Jun 24, 2021 |
Dear, just tell the Manager that if he fails to refund the money on or before tomorrow, you will have no choice than to write to EFFC, copy his Head Office, CBN and take him to Court. Do not be afraid for u ve everything on ur side to win with even reward. Let him know that u re only pitying him that he may loss his job if he fails to reverse ur cash before tomorrow. tunbosun002: 1 Like |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by Nobody: 2:05pm On Jun 24, 2021 |
tunbosun002:Take your declined receipt to the pos bank,and showed the receipt to the bank manager.They will find out from the serial numbers written on the receipt in their computers.But I know the fuel station manager is playing you.The deal is between the manager and the fuel attendant who served you.That POS account number is linked to the owner of the filling station.The manager might have contacted his boss and the boss acknowledged a credit alert but he is trying to play you.Go to the uba bank with your declined receipt.They know how to go about it.Dont back down. I had a similar situation.I withdrew 10k from a pos point.The transaction was declined from the pos machine but I received a debit alert.The sales girl was trying to play me that the transaction didn't go true.When insisted,she had to call the owner of the pos and she was asked to pay me.That is how the pos sale's girls make the extra income.They will record it in their daily sales book as transaction approved and divert the money as if the have paid to the customer whose transaction was declined. 1 Like |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by NaughtyBrainiac: 2:05pm On Jun 24, 2021 |
You people can rush to give advice on nairaland. Instead of you to wait and let people that have incisive knowledge advise tunbosun002. You guys are just calling EFCC, ICPC, Soldier ontop simple dispute. Na una type dey use cancer medicine for ordinary headache. @ tunbosun002 , take a look at those 2 receipts, you will realise that STAN is different. That suggests that the transactions are 2 different transactions. How many debits did you see on your account statement? Was there any reversal? 5 Likes 1 Share |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by hope4nigeria(m): 2:06pm On Jun 24, 2021 |
tunbosun002:ready to loose 5k out of the money, carry police go arrest the manager |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by Ofuks(m): 2:07pm On Jun 24, 2021 |
Dear OP, The issue is with your bank and not the POS Merchant. Your account was debited for a DECLINED transaction. Luckily, you have the evidence (transaction receipt). Kindly write a complaint letter to your bank and give them 2 weeks to reverse your funds or you will institute a legal action against them, for unwarranted debit. The dispute team in your bank will re-log your claim and follow up until it is resolved. Ordinarily a declined transaction, is not set up to debit a customer account, but if a debit occurs, the banks banking application is supposed to initiate an auto-reversal. There is a dispute system where all banks interact to resolve this kind of claim. So sorry. 1 Like |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by MadamExcellency: 2:07pm On Jun 24, 2021 |
The money is with FCMB. The only way the money is with Mobile is if the attendant filled their account number as reversal destination. |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by Esthered: 2:09pm On Jun 24, 2021 |
akinmusi: I agree the staff helped, what if the staff never remitted the money at the end of the day when balancing. This can can happen when the transaction has impacted the book and they are balanced at the end of the day upon reconciliation. The thing is if the journal from merchant matches the customer's copy that is declined and was eventually successful and the transaction was settled in another way, the merchant should help the complainant by issuing a refund sir. This is what causes unresolved issues upon escalation. I like it when customers open up as it aids investigation and resolution. The petrol station ought to have an account for transfer purposes in the case of POS downtime. How will the staff remit the money at the end of the day admist his busy schedule, will he go to the bank to withdraw the money.......as a business owner, would you agree to your staff using personal account to render help knowing the inherent risks? 1 Like |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by hope4nigeria(m): 2:11pm On Jun 24, 2021 |
NaughtyBrainiac:you think na America you dey Mr wise, na Nigeria be this oh, if you nor push as it hot, you no go see that money again, you know how much transport and how much credit @Op must have spent by now trying to get that money? A bank after investigation claim the fueling station received the said amount and the manager instead of contacting the bank still proving stubborn and you say na small issue? E be like say you sef is not normal. |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by Skymason20(m): 2:12pm On Jun 24, 2021 |
Pos don't pay decline transaction!!and the money can't been in merchant account, It will reverse to ur account or u go to ur bank and fill despens erro form so ur account can be credicted before 24h or 7working days.. And that why its good to operate top banks nor kpako bank |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by Iko5000: 2:13pm On Jun 24, 2021 |
OP next time do not transfer Money to a personal account , if they do not have a Corporate account then find other means |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by Weneda(m): 2:13pm On Jun 24, 2021 |
tunbosun002:Hmm madam thesame happened to my wife but i thank God is 1k nd it was refunded by the POS agent. She try using her card but the guy said it was declined. She came back and got alert of 1k deducted from her account by the POS. She went back the next day and showed the guy the lert, he was still adamant. She went to the bank and layed a complain, the customer care checked her system it showed money was deducted. The customer care told my wife to go and collect her money from the POS. I followed her, saw the guy told him that we are coming from the bank now, he should give me the 1k. He was just ranting here nd there but after everything he gave us the 1k. We should be careful of using POS for transactions. Some of this guy's are not smiling. So madam in my humble opinion, go to the bank and print ur statement of account from that day u made that transaction, go with some older guys or ur husband (if u are married), present the statement to him, he can't deny it. |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by Adewale1603(m): 2:15pm On Jun 24, 2021 |
Wahala on top 10k, problem no dey finish for life, if they chop the said 10k, it would eventually finish, weitin no go finish for life |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by 24kmagic: 2:15pm On Jun 24, 2021 |
All these talks of reporting to EFCC are hogwash. EFCC that I reported somebody to since January, nothing came out of it. I didn't even get a mail that my petition has been received. 2 Likes |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by angelfallz(m): 2:17pm On Jun 24, 2021 |
For God sake why would you pay in money to an employee's account? Involve the police. |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by chloride6: 2:17pm On Jun 24, 2021 |
There is a NIPs transaction ID that is generated when you use POS or do transfer. Let FCMB give you that transaction ID , the issue will be clear as daylight. 2 Likes |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by MemoriesAndMe: 2:18pm On Jun 24, 2021 |
Adebaba1:A mad person? From where? |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by KINGKONG(m): 2:18pm On Jun 24, 2021 |
tunbosun002: No don't do this ..... You may end up complicating issues for yourself .... Resolve the issue amicably, if he's not cooperating then involve Police in this case with solid evidence from your bank (That they received the money) you can charge him for fraud. You fit even sue for damages for making you waste your time you should have used for something productive 1 Like |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by nurez305(m): 2:20pm On Jun 24, 2021 |
VillageBus:only one person that understand what is going on here... Even some stupid bank worker knows nothing about their work. It has happen to me with access bank, I use their app to pay for my gotv subscription and I was debited but my gotv was not up. I sent mail to multichoice and they claimed the money did not reflect in their account. I sent mail to access bank and they also claim the money is already credited ... After series of messages to both companies while they keep refering me to each other, I got fed up and let the money go. I was surprised to get a reversal from access bank after like 6months when I have even forgotten about the money. This is same money they said it was credited to mulit choice account and can not be reversed, same money was reversed after 6months. Now tell me, how are they balancing their account without showing the overage of 2k? So many useless organisation in Nigeria. The money might still be with the bank but they will said it is not with them |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by Primequeen101: 2:20pm On Jun 24, 2021 |
Dear poster, my experience in pos dispute resolution, there is no way a merchant(Mobil station) can stop pos reversals without providing approved receipt for the disputed transaction. Bank gives merchants 24 hrs to respond to the claim( that is, to provide approved scanned copy of the transaction n if otherwise funds will be automatically reversed back to the customer). In your case, I feel your bank only asked if your money settled into the merchant account and the merchant bank said yes. Go back to your bank and tell your bank that you want ur money reverse back to you and that they should mail the other bank requesting for refund. 1 Like |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by infortech(m): 2:22pm On Jun 24, 2021 |
call your customer care number at the back of your ATM card. as far as it wrote Decline no body will pay you, if you involved EFCC or police your wasting your time and Money, because they will still direct you to the bank, the bank are the once that have the right to withdrew the money back from the fuel station |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by Awoleesu(m): 2:22pm On Jun 24, 2021 |
In the turn of events, you didn't say whether the fuel attendant to whom you transferred the initial 10k was involved in all of your engagement with the station manager.... Did the attendant actually transfer the money into the station's account? I think that's where to begin. Perhaps the manager was right in telling you there was no such transaction in their books! All the same, I guess you may have learned a lesson or two... Next time, should there be complications or a tendency of such in any transaction, simply walk away! 1 Like |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by pius4luv(m): 2:23pm On Jun 24, 2021 |
I have had such experience before , i could remember i went to the market to buy some food stuff, i went to a Pos operator to withdraw some money, i withdraw 20k first , it went successfully after I've finish buying the food stuff with all the money that's with me, i went back to the lady to withdraw 2k for my transport fare not knowing that the lady withdraw another 20k from my account , the lady now told me that the transaction was declined that i should use another pos so she now withdraw the 2k for me with another pos machine so when i got home i received a debit alert of 20k from my account i was so angry i have to go back to the lady and explain to her she told me that i should be patient that she will confirm it, i went there to cause scene i didn't laugh with her and i was shouting the lady now told me that i should be calm that she will sort it out so after some minute she now call her boss to confirm the money her boss now told her that the money was debited from my account the lady now told me that i should drop my bank account that she will transfer the money back, i was so happy because i was thinking that the lady want to outsmart me she think she is smart. 1 Like |
Re: Mobil Filling Station, ₦10,000 & POS Wahala: How Can I Resolve This Issue? by angelfallz(m): 2:23pm On Jun 24, 2021 |
Lol everyone can't have the same temperament Triangles1: |
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