Good day friends ,

I own a Thrift firm
We Are into daily savings (Ajo) and thrift collection; a contributory savings and mutual arrangement which helps to collect and save money for low income earners, petty traders, hawkers, disabled etc, who are still unbanked and inactive in the formal banking system.

A Sterling Bank staff whom I have never seen before then came to my office for loan recovery in February this year. While she was ranting and creating scene in front of my customers , She said that my brother fraudulently assisted my mum to get a loan from there bank and has not paid the loan in full

I told her that the loan which I don't know anything about doesn't have my name or the name of my company in it and that she should leave and stop creating panic among my customers

After she left, people started coming for there money in hundreds. It wasn't easy but I was able to manage the situation

Two weeks ago, she came back again, this time with the men of the NPF. They assaulted my brother in my head office and detained him for 4 days.

She didn't even say that it was a loan, she told people around that we defrauded the bank.

Ever since that last visit, we lost everything we built over the years. We had bank rush, threats from customers and the resignation of workers because of fear of misinformed customers.

It's just as if my world has come to an end. I'm very confused and on stand still at this point

What do you think I should do at this point please

If u have evidence of her visit at ur business premises.....including evidence of how u have lost business and money due her actions...u can go head and sue her....

Borrowers

You've weathered the storms. That you can remain in your two feet and in the same environment will put shame on your disloyal workers, fake friends and customers.

The damage has been done and can't be undone. It's time to stop crying about the past and get back to the drawing board as an entrepreneur.

Let's begin the rebuilding process ( Rebound )

To do this,you need a new team, put an advert for 2-3 new workers from distant location that do not know about the incidence.


Make calculations on paper the time around. The calculation should be in two forms :

Number of customers sought

Amount needed in cash sum that will make you see your business as back on its feet.

Give each of your marketers target and let them know your past and why they can't approach to traders in your current location.


Break your target customer amounts into realistic milestones. I.e you need just thrity customers. Each of your female marketer should bring in ten. Each week, they must bring two or three. Which is decent


Keep a new record that can be publicized without showing the exact amount of money but figured that can prove of your organization's financial health, table it before the remaining 10% and speak with them to constantly speak to few others that had doubts in you, for them to consider rejoining when they feel more confident. That you know their confidence level has dropped.


You also dress well,.be neat and wear new clothes and take out the address details of the 90% that left and begin to revisit them along with spreadsheets that shows the healthy status of your firm's finances. Tell them that you know that their confidence in you has dropped.to low levels but that over the next six months, you want them to reconsider continuing business with you.

Do new things. I.e wear new clothes. Go and buy brand new clothes and shoes. This changes the perspectives of the assumptions others have about you. Get printed round neck shirts with your brand name at it's back for your marketers and begin your rebuilding

THE GREATEST TRICK OF ALL IS IF YOU DINT HAVE A CAR USE OF OUT THE FUNDS LEFT AND BUY AN AFFORDABLE ONE. THIS ONE WILL CONFISE THEIR THOUGHTS ABOUT YOU COMPLETELY. THE WORKD HAS CHANGED PEOPLE DO NOT WANT TO ASSOCIATE WITH ANYONE THEY ASSUME IS SUFFERING. CHANGE THEIR VIEW OF YOU...

You've cried enough, it's time to get back to the drawing board and begin the rebound process. Asyou begin your restratehizing remember to break all your plans into daily scalable actions and to set timelines for your goals


See you on the other side of your success

Please go to Twitter to bring the advocacy to people with all available evidences. Did you have a recording of the recovery officer's visit and other other solid proofs? Tag everyone that matter. The bank has brought down the brand you worked so hard to build. You have nothing to loose again than letting the world know of their destructive capabilities and avoid their loan services in the future

You would have prevail on your brother to make payment.

Wodu89:
You've weathered the storms. That you can remain in your two feet and in the same environment will put shame on your disloyal workers, fake friends and customers.

The damage has been done and can't be undone. It's time to stop crying about the past and get back to the drawing board as an entrepreneur.

Let's begin the rebuilding process ( Rebound )

To do this,you need a new team, put an advert for 2-3 new workers from distant location that do not know about the incidence.


Make calculations on paper the time around. The calculation should be in two forms :

Number of customers sought

Amount needed in cash sum that will make you see your business as back on its feet.

Give each of your marketers target and let them know your past and why they can't approach to traders in your current location.


Break your target customer amounts into realistic milestones. I.e you need just thrity customers. Each of your female marketer should bring in ten. Each week, they must bring two or three. Which is decent


Keep a new record that can be publicized without showing the exact amount of money but figured that can prove of your organization's financial health, table it before the remaining 10% and speak with them to constantly speak to few others that had doubts in you, for them to consider rejoining when they feel more confident. That you know their confidence level has dropped.


You also dress well,.be neat and wear new clothes and take out the address details of the 90% that left and begin to revisit them along with spreadsheets that shows the healthy status of your firm's finances. Tell them that you know that their confidence in you has dropped.to low levels but that over the next six months, you want them to reconsider continuing business with you.

Do new things. I.e wear new clothes. Go and buy brand new clothes and shoes. This changes the perspectives of the assumptions others have about you. Get printed round neck shirts with your brand name at it's back for your marketers and begin your rebuilding

THE GREATEST TRICK OF ALL IS IF YOU DINT HAVE A CAR USE OF OUT THE FUNDS LEFT AND BUY AN AFFORDABLE ONE. THIS ONE WILL CONFISE THEIR THOUGHTS ABOUT YOU COMPLETELY. THE WORKD HAS CHANGED PEOPLE DO NOT WANT TO ASSOCIATE WITH ANYONE THEY ASSUME IS SUFFERING. CHANGE THEIR VIEW OF YOU...

You've cried enough, it's time to get back to the drawing board and begin the rebound process. Asyou begin your restratehizing remember to break all your plans into daily scalable actions and to set timelines for your goals


See you on the other side of your success

Thanks a lot bro
Your number is not on Whatsap

concho:

Thanks a lot bro
Your number is not on Whatsap

Smiles. It isn't

Wodu89:



Smiles. It isn't

I will call

concho:
Good day friends ,

I own a Thrift firm
We Are into daily savings (Ajo) and thrift collection; a contributory savings and mutual arrangement which helps to collect and save money for low income earners, petty traders, hawkers, disabled etc, who are still unbanked and inactive in the formal banking system.

A Sterling Bank staff whom I have never seen before then came to my office for loan recovery in February this year. While she was ranting and creating scene in front of my customers , She said that my brother fraudulently assisted my mum to get a loan from there bank and has not paid the loan in full

I told her that the loan which I don't know anything about doesn't have my name or the name of my company in it and that she should leave and stop creating panic among my customers

After she left, people started coming for there money in hundreds. It wasn't easy but I was able to manage the situation

Two weeks ago, she came back again, this time with the men of the NPF. They assaulted my brother in my head office and detained him for 4 days.

She didn't even say that it was a loan, she told people around that we defrauded the bank.

Ever since that last visit, we lost everything we built over the years. We had bank rush, threats from customers and the resignation of workers because of fear of misinformed customers.

It's just as if my world has come to an end. I'm very confused and on stand still at this point

What do you think I should do at this point please

the guy that did something similar to this to my is walking with clutches today. If I was a girl she will be dancing with. Her grand farher and mother

Why do Nigerians underestimate the power of justice? If you're not guilty of what you were accused of, seek the advice of a lawyer and take the necessary legal actions against the person/institution.

It will be worth it, nobody here will help you.

This country wahala just too much, problem everywhere. God help us.

This is how evil people cripple others peoples business.

.

advanceDNA:
If u have evidence of her visit at ur business premises.....including evidence of how u have lost business and money due her actions...u can go head and sue her....

Exactly

Your brother who is working for you,took a loan using your company address.the bank comes calling rather than you to tell your brother to leave with the bank people till he sort himself out while distancing you and your company from what ever your brother did.you kept your brother then in your mind it is the bank staff at fault.my brother a mans downfall always starts from inside his own house and you can quote me on that.your brother and mother destroyed your business not the the banks staff.

concho:
Good day friends ,

I own a Thrift firm
We Are into daily savings (Ajo) and thrift collection; a contributory savings and mutual arrangement which helps to collect and save money for low income earners, petty traders, hawkers, disabled etc, who are still unbanked and inactive in the formal banking system.

A Sterling Bank staff whom I have never seen before then came to my office for loan recovery in February this year. While she was ranting and creating scene in front of my customers , She said that my brother fraudulently assisted my mum to get a loan from there bank and has not paid the loan in full

I told her that the loan which I don't know anything about doesn't have my name or the name of my company in it and that she should leave and stop creating panic among my customers

After she left, people started coming for there money in hundreds. It wasn't easy but I was able to manage the situation

Two weeks ago, she came back again, this time with the men of the NPF. They assaulted my brother in my head office and detained him for 4 days.

She didn't even say that it was a loan, she told people around that we defrauded the bank.

Ever since that last visit, we lost everything we built over the years. We had bank rush, threats from customers and the resignation of workers because of fear of misinformed customers.

It's just as if my world has come to an end. I'm very confused and on stand still at this point

What do you think I should do at this point please

LaRosa01:
Your brother who is working for you,took a loan using your company address.the bank comes calling rather than you to tell your brother to leave with the bank people till he sort himself out while distancing you and your company from what ever your brother did.you kept your brother then in your mind it is the bank staff at fault.my brother a mans downfall always starts from inside his own house and you can quote me on that.your brother and mother destroyed your business not the the banks staff.

He didn't use my address or business address

advanceDNA:
If u have evidence of her visit at ur business premises.....including evidence of how u have lost business and money due her actions...u can go head and sue her....

Eye witnesses

somebody is lying to you,for the bank to come to your place,either your address was used in opening the account or you where used as reference.

concho:
He didn't use my address or business address

LaRosa01:
somebody is lying to you,for the bank to come to your place,either your address was used in opening the account or you where used as reference.

I will print out loan details and mention you

LaRosa01:
somebody is lying to you,for the bank to come to your place,either your address was used in opening the account or you where used as reference.

what if my business name and address has nothing to do with the loan ?

my brother business name or address doesn't matter once you have been linked to the loan in anyway,and you and I know,that you know more than you are telling on this matter.if you go court,na you go pay the bank lawyer fees and pray they dont come after you.

concho:
what if my business name and address has nothing to do with the loan ?

LaRosa01:
my brother business name or address doesn't matter once you have been linked to the loan in anyway,and you and I know,that you know more than you are telling on this matter.if you go court,na you go pay the bank lawyer fees and pray they dont come after you.

I'm boldly telling you that I don't have anything to do with this loan. She even admitted it in her first visit.

She apologised and left.

Then this disastrous visit again

concho:
Eye witnesses

Yeah....two or 3 eye witness will pass as evidence since the issue happened in a public place of business

Baloranking:
Why do Nigerians underestimate the power of justice? If you're not guilty of what you were accused of, seek the advice of a lawyer and take the necessary legal actions against the person/institution.

It will be worth it, nobody here will help you.

Scared of taking bank to court, they might frustrate the process

concho:
I'm boldly telling you that I don't have anything to do with this loan. She even admitted it in her first visit.

She apologised and left.

Then this disastrous visit again

Of all places to find you, it's ur business address. Did babalawo tell them ur office address ni. This your brother self nawa. He don wreck u oo. Wetin he use the money do?

concho:
Scared of taking bank to court, they might frustrate the process

U cant even sue the bank in this case...the behaviour of the lady is obviously not sanctioned by the bank....but u can use social media to drag the lady and mention the bank


U fit try gistlover.....

advanceDNA:


U cant even sue the bank in this case...the behaviour of the lady is obviously not sanctioned by the bank....but u can use social media to drag the lady and mention the bank


U fit try gistlover.....

1) I can't sue a bank that arrested and detained someone for 4 days over a loan he didn't take

2) I can't arrest a bank that created panic and made me lose my customers over a loan I know nothing about? Despite my warning the first time they came

For real ?

concho:

1) I can't sue a bank that arrested and detained someone for 4 days over a loan he didn't take

2) I can't arrest a bank that created panic and made me lose my customers over a loan I know nothing about? Despite my warning the first time they came

For real ?

Dont get me wrong...i am not saying u dont have the liberty to sue the bank...heck! U can even sue a president, governor or dangote.... what i am saying is u case wont stand against the bank...

Did she show u documents from the bank that the bank instructed her to arrest you or injure ur brother...?? Her action is just an overzealous attempt at recoveing the loan she approved to ur brother, to avoid having a bad loan record on her name/career

No bank will authorize use of brute force because of small class loans.....the worst is to take over any collateral if available, or write it off as bad loans and sanction the staff

advanceDNA:



Dont get me wrong...i am not saying u dont have the liberty to sue the bank...heck! U can even sue a president, governor or dangote.... what i am saying is u case wont stand against the bank...

Did she show u documents from the bank that the bank instructed her to arrest you or injure ur brother...?? Her action is just an overzealous attempt at recoveing the loan she approved to ur brother, to avoid having a bad loan record on her name/career

No bank will authorize use of brute force because of small class loans.....the worst is to take over any collateral if available, or write it off as bad loans and sanction the staff

Now I get your point.

That takes us to vicarious liability

Your apprentice destroys someone’s cloth while attempting to sew cloth in ur absence , who pays for the cloth ?

Your driver pulls down a 50 million mansion while going on an errands with ur car , who pays??

When a police officer assault you , you sue both him, the dpo, the Police commissioner and NPF in general .

They all pay the damage together

concho:
Now I get your point.

That takes us to vicarious liability

Your apprentice destroys someone’s cloth while attempting to sew cloth in ur absence , who pays for the cloth ?

Your driver pulls down a 50 million mansion while going on an errands with ur car , who pays??

When a police officer assault you , you sue both him, the dpo, the Police commissioner and NPF in general .

They all pay the damage together

Lol....going by your tailor analogy...so what relationship or business do u have with the bank that the bank staff destroyed or caused u loss.??

So if ur driver kills someone with ur car na u police go lock up for prison??

Have u ever seen nigerian police force suffer for police brutality.. the worst is sack letter for the police officer....??

I have even heard cases where staff defrauded Customers of the bank, yet the bank was never liable to pay especially when the customer operated outside the banks policy........but anyways.. can ahead and sue the bank shaaaa..... we are just dialoguing naaniii

Wodu89:
You've weathered the storms. That you can remain in your two feet and in the same environment will put shame on your disloyal workers, fake friends and customers.

The damage has been done and can't be undone. It's time to stop crying about the past and get back to the drawing board as an entrepreneur.

Let's begin the rebuilding process ( Rebound )

To do this,you need a new team, put an advert for 2-3 new workers from distant location that do not know about the incidence.


Make calculations on paper the time around. The calculation should be in two forms :

Number of customers sought

Amount needed in cash sum that will make you see your business as back on its feet.

Give each of your marketers target and let them know your past and why they can't approach to traders in your current location.


Break your target customer amounts into realistic milestones. I.e you need just thrity customers. Each of your female marketer should bring in ten. Each week, they must bring two or three. Which is decent


Keep a new record that can be publicized without showing the exact amount of money but figured that can prove of your organization's financial health, table it before the remaining 10% and speak with them to constantly speak to few others that had doubts in you, for them to consider rejoining when they feel more confident. That you know their confidence level has dropped.


You also dress well,.be neat and wear new clothes and take out the address details of the 90% that left and begin to revisit them along with spreadsheets that shows the healthy status of your firm's finances. Tell them that you know that their confidence in you has dropped.to low levels but that over the next six months, you want them to reconsider continuing business with you.

Do new things. I.e wear new clothes. Go and buy brand new clothes and shoes. This changes the perspectives of the assumptions others have about you. Get printed round neck shirts with your brand name at it's back for your marketers and begin your rebuilding

THE GREATEST TRICK OF ALL IS IF YOU DINT HAVE A CAR USE OF OUT THE FUNDS LEFT AND BUY AN AFFORDABLE ONE. THIS ONE WILL CONFISE THEIR THOUGHTS ABOUT YOU COMPLETELY. THE WORKD HAS CHANGED PEOPLE DO NOT WANT TO ASSOCIATE WITH ANYONE THEY ASSUME IS SUFFERING. CHANGE THEIR VIEW OF YOU...

You've cried enough, it's time to get back to the drawing board and begin the rebound process. Asyou begin your restratehizing remember to break all your plans into daily scalable actions and to set timelines for your goals


See you on the other side of your success

Let me add this..
Keep the address of those clients who left...when they return.....do not take em back
Let them know u no longer want them as clients as they lost faith in you.. you also don't have faith in them..
Shalom brother.

concho:
He didn't use my address or business address

If he did not use your address how then did they know where to locate him?

It is your brother and your mother that you should hold responsible, they destroyed your business!