₦airaland Forum

Swaggzkid:
Ntoooorrr! For una!


Sheh na una Follow vote this Clueless Change


Una never chi chum chin

You are really a kid

best2com:
wretched useless frustrated useless impotent incompetent irresponsible idiotic stupid foolish ignoramus boorish arrogant indolent miserly shiftless animalistic Mumu abnormal Man*

Haba lol

I observe and i.like.most times.

Tokotaya:
If you have a dormant bank account in Nigeria, you could be on CBN’s debtors’ list. Let me recast that, if you have a dormant account in Ecobank, you may already be a debtor, without knowing it. Your name may have been listed as having bad credit on the Credit Risk Management Bureau (CRMB)’s database with CBN. It’s not a demarketing attempt. It is purely my experience that others can learn from.

I had a current account in Ecobank around 2011. My ex-employer moved our salaries there based on a nice presentation made by the Branch Manager of the Bank at the time. However, the promises made were not met, so the salary account was moved elsewhere and we all thought it ended there.

More than three years later, I had left the company and was processing a loan with another bank. Near the completion of the deal, they called to tell me I was owing Ecobank. I was advised to sort it out with them before any progress could be made. I didn’t take any loan. The account didn’t have an overdraft facility. It was a basic current account from which you could never withdraw above your available balance at any point in time. How could I owe on the account?

I called their customer care and the lady insisted I must have taken a loan. I insisted I did not, and tried to convince her to look into the account to see what could have happened. She rudely cut the call!

I made a series of other calls and was linked to their Oke Afa, Isolo Branch where the account resided and was able to establish that it was my dormant account there that ran into negative. Ecobank made some routine charges on the account and when they depleted what was there, they made negative deduction of N119 and the negative started accumulating interest that had amounted to about N2,500 by late last year when I applied for a loan.

What manner of a bank would make deductions from a dormant account? I went to the bank and confronted them. An official explained that an account going dormant does not mean that charges could not be made on it. He said a man can be sleeping, but his bodily functions work nonetheless.

I paid off the money and obtained a letter of Non-indebtedness and took it to my new bank before they could process my loan. The great worry: what if I had not applied for a loan at another bank? How would I have known? Many decades later, may be as a pensioner, one may now apply for something and they will tell you there’s a debt of a couple of millions of naira you need to clear.

I’ve commenced the process of closing the account with Ecobank. Other dormant accounts I have are going too, even though some of the other banks are arguing that their own processes are different from Ecobank’s. They argue that typically, your dormant account holds the last balance there till you reactivate it. One said if at all any customer’s account goes into red, his bank had a standard procedure to call up the customer by phone to alert him. No one called me from Ecobank.

How much was N119 that Ecobank would go ahead to list me as having a non-performing loan instead of calling me to clear it. The totality of my experience with Ecobank has been horrible to say the least. To even collect the Letter of Non-Indebtedness was a war. It took nearly 3 weeks of constant harassment to get it ready and on the day I was to pick it up, I spent three and a half hours in their banking hall.
So folks, check up on all your current dormant accounts, especially those with Ecobank.

Eco bank.not a bank, i detest that bank.

See gobe!

Wonbia (glutton)

Ijebulogic:
It's interesting that we Africans are often criticised of being backward etc. Research has shown that some so called western "science" protected by "patents" have their roots in the same principles as we have in Africa. The problem is that our people use it for negative things while oyibos use it for societal advancement. can you believe that " hypnotism therapy" is fully accepted now as a medical option for treating trauma patients in the UK? If it was Africa, it would be labelled as jazz. hopefully our new generation will take a different view of some of this priceless knowledge for advancing our society and people. This list is all new to me but the most fascinating is the Kanako. This is "time travel" O!!! Any evidence that it works?

Kanako works, i have seen a man in.ondo state who uses it due to his Inability to work properly and he,s a farmer.

ElDeeVee:
Madgoat baba

Okay!

But why, why are some people so wicked, calous and heartless? This is cruel. R.I.P to the deceased!

dawnomike:
simply send me ur email address and I'll send u an E-book that will guide u on how to go about running a mini-importation biz for free.

I am interested in the E-book too please help bro!

walehumble@gmail.com

Thanks

It has nothing to do with background alaye, it is about choice, i did eat it and i can still eat it.

Such a nice memory this post brings. Well i used to love it and i can still eat it over and over again

Abayor7:
..

Where u keep ur brain nah?

That was the question that should be directed to you idiot. Do you use your head for anything positive at all, do you even think out of box? Not here tonplay the game of rubbishing anyone so.keep off nincompoo.

School wasted ten years of your precious life and you ended it tragically by yourself, what a pity. R I P.

If your hands are clean why fear?

Ewwwww

You make sense

They are all just tryna make money outa us. Cant believe anything from the west world.

Are your members not criminal?

kenedy175:
He should STFU already. Was it not under GEJ'S reign that he made it? If Goodluck was a thief, he's also a thief.


Dan-banza!

Why guy?

R.I.P young man, you huatle till your last minute so sorry. May God have mercy on your soul.

Lol she actually ate that in the dream. Fake ass

Nice one

Correct, black couple and we will chose

Fart the fart and free yourself, just did mine