thirty:
Have you experienced this embarrassing situation before where you confidently walk into a bank to cash a cheque only to be told by the cashier that there is no money in the account? This has happened to a lot of people and that type of cheque is known as a dud cheque.

A dud cheque is a worthless cheque that cannot be paid because the person who issued the cheque does not have sufficient money or has no money at all in his bank account...

Once you receive a dud cheque, make sure that the bank makes the proper entries in its register and also on the returned cheque so that you can use it as evidence, if need be.

It is a criminal offence to issue a dud cheque; an individual who is found guilty of this will be sentenced to 2 years imprisonment while a corporate body will be fined a minimum of N5 million. Anybody who issues a dud cheque can be prosecuted and sent to prison. It is a financial crime that is handled by the Economic and Financial Crimes Commission (EFCC).

There is no statute of limitation for criminal offences and since issuance of dud cheques is a criminal offence, there is no statute of limitation to bring an action against the person.

Issuance of dud cheques is an act of fraud that breeds lack of trust among business partners and affects smooth business relations. It should be discouraged as much as possible.

Lots of people go ahead to issue cheques even when they know that they do not have sufficient money in their accounts. Unfortunately, people who receive dud cheques are not aware that the issuer of the cheque can be prosecuted so they do nothing about it.

In some other cases, people issue dud cheques unintentionally because they are probably expecting some money in their account or they have been debited for a transaction they were not prepared for. That is why it is encouraged that investigations are carried out to know the exact reason behind the worthless cheque.

If you have been issued a dud cheque, you have basically two options. You can choose to report the matter to EFCC so that they can institute criminal proceedings in court against the person. Some people are however not interested in dragging the person to court because of the stress and time that will be spent; they would rather just get their money and be done with it.

You also have a second option of amicable settlement or mediation between yourself and the person who issued the dud cheque to resolve the matter. You can bring a civil action against the person who issued the cheque so that you can get full value of the cheque.

It is advisable to get a lawyer who will provide suitable advice on the best line of action to take but it is important to act quickly.

What can one do when you've instructed the bearer of the cheque not to use it, because there is no money in the account.. But the bearer still stubbornly uses it. So as to put one in trouble

Everyone here have given you good advice.. I pray you have the balls to be a man and use it.

My advise.

Your wife might still be sleeping with her ex...

She doesn't love you anymore because you've refused to be a man and stand your ground on matters. Standing your ground is even the Right thing to do. If it means trashing the marriage be ready for it and show it to her that you're not afraid to leave her.

If you really love her be a man and stand your ground.. That is the only way to earn her respect and love ( that is if she has any love left in her for you)

Lastly, going to the us is good. I'll suggest you dont take her. And in the same vein she'll be free to still meet up with her ex... For this reason, if you go to US, forget her and start a new life. If the kid is yours use tricks to take him/her from your wife....

Do these things... Don't be a weak man.

edlion57:
Can he perform it from there to aso rock

Lagos ..Lagos..... OK na

How

omojoshy:
Death will come WHEN and HOW it's destined to come.

May God protect and safe us from untimely death as we approach the EMBER months and beyond.

'Like' if you say Amen.

There's nothing like destiny to come.....the only place where destiny counts is when you tow a path that has been predefined.

But the choice to weather or not to tread on that path is yours to make

Ask4Info:
Salary Translates To Your Life Worth. If you think what you are earning now you are worth more than it then take that bold step and ask your employer politely for a raise. If it is given to you, you know you got what is acrue to you. If not, your conscience will be clear you know your worth but have been denied of it by your employer.



Do you know one career path that you can NEVER EVER[ be out of job for maximum of what month? A job that gives you Confidence and the Network you never imagined you will ever have yet most people dread that career path because they don't know the secret? Wellthe best career one must get through at on point or the other in life is SALES.


Every industry no matter how small or big need to make sales to stay in business and they always require a sales person.

Perfect. Am also in into selling in my network marketing business... Now monthly my income is between 245k - 298 k. And the good part of it is no one can sack me cos am my own boss in it.. And I don't have a shop.

I thank God I joined.....
My email address is...coolniyi99@ Yahoo.com for anyone who wants to know more

Depending on your certificate for a job will make you a Slave for many years in the endless rat race.

Owning your own business will set you free.

The problem with 95% of graduates is they lack a clear thinking faculty. Partying and movies occupy their minds 80% of the time.

You don't need money to own a business. First you need an idea. Then money will come.

I migrated to android...and, o boy ! Sweet sweet sweet.....it doesn't consume data as you say

If you live in Lagos. I could offer you a leveraging Business.... That's what I do to feed my family. And my wife doesn't work. I stopped selling recharge Card by the roadside about 4 years ago. Left it to start this leveraging business. I make at least 215k a month... I have people who earn higher. My e-mail .. coolniyi99@yahoo.com

Wow....I know it......my friend used it too... It works ooo

Too much make-up.. It makes them look older

BUHARIISCURSED:

You are cursed

Ole

Guy you need a colon detox.....it will clear out in less than a week... Toxins in your colon is the cause....

I had something similar too and it was so embarrassing that I don't pull of my shirt in public.

Now after colon detox it all left in a week... Use a colon and blood detox

mordtonia:
I sympathise with the good people of Ekiti over the mental state of their Governor which seems to be getting worse with time.

Exactly

It's called chemitrails ....they are sprayed in the air by foreign airplanes....
The school of thought are

1) they are sprayed to alter weather. A.k.a, weather engineering. Weather engineering can cause an increase or decrease in rainfall. And you already know the implications of that.

2) they are spraying chemical dusts that can cause sickness or diseases

3) they are spraying chemicals that will deliberately destroy the ozone layer.... This will increase the intensity of the sun.. Thus causing illnesses.

Abra4real:
Okay, let me chip in at this point. Among all those replies above me, I haven't seen any that answered it very well. Note that I'm not replying to fight or argue (fact check, if you quote me, I won't reply, except when necessary e.g. answering a thought-provoking question), I'm actually replying to adhere to what the Bible tells me.

Jude 3 says, Beloved when I gave all diligence to write unto you of the common salvation, it was needful for me to write unto you, and exhort you that ye should earnest contend for the faith which was once delivered unto the saints.

First, someone mentioned that God hates divorce. Here's the verse to back that up: Malachi 2 vs 14-16:

14 Yet ye say, Wherefore? Because the LORD hath been witness between thee and the wife of thy youth, against whom thou hast dealt treacherously: yet yet she is thy companion, and the wife of thine covenant.

15 And did not make one? Yet had he the residue of the spirit. And wherefore one? That he might seek a godly seed. Therefore take heed to your spirit, and let none deal treacherously against the wife of his youth.

16 For the LORD, the God of Israel, saith that he hateth putting away [of your wife, which is divorce]: for one covereth violence with his garment, saith the LORD of hosts: therefore take heed to your spirit, that ye deal not treacherously.

Did you notice the part that says God hates putting away? For God to say that, there must be something at stake. Because clearly, in Matthew 5 vs 22, But I say unto you, That whosoever is angry with his brother without a cause shall be in danger of the judgement...

Even hating your fellow human isn't allowed. But you should also notice that God didn't say I hate the person. He simply hates putting away.

About having multiple wifes, hear it from the horses' mouth, in Matthew 19 vs 9, And I say unto you, Whosoever shall put away his wife, except it be for fornication, and shall marry another, COMMITTED ADULTERY: and whoso marrieth her which is put away doth commit adultery.


Now, I read some comments that said what if a whole village got saved and were extremely polygamous? Well, you have to know that the God we serve, the Alpha and the Omega does not change (Malachi 3 vs 6, For I am the LORD, I change not...) and even if the whole world says they don't want to change, he won't change his words.

Many people think we just go to church, sing, carry Bible on Sundays, wear suit and tie, and say "God bless you" on our way to church. For your information, it's more than that. If you can't live with that simple fact, then I'm afraid you're not yet serious.

In the Biblical sense, a first wife is only recognized. Think about this for a moment. When someone is getting married, the vow says, Till Death Do You Part. What do you think that means?

Only after a partner dies does the other partner has the freedom... TO MARRY ANOTHER PERSON... TO HAVE SEX WITH ANOTHER PERSON. Chikena.

So, if death hasn't done them apart, forget about it.

Now, somebody says what if they were married the same day. You mean, simultaneously? As in, each wife stands at the altar and were consenting to the marriage? That's obvious now. The first woman that takes the vow is the real wife.


Some people still don't give a hoot about what I wrote, but they are the first that will carry the news when the likes of Pastor Kumuyi, of all people, makes a mistake (God forbid!)

They'll go, "Ah! Come and see! The holy-holy preacher has done something. He was caught redhanded."

Now the man decides to remarry because death has parted the union he has with his former wife and these same people groaned, "Ah-an! What is it with this pastor sef? Na only him waka come?"

People ehn!

Matthew 19 vs 9, And I say unto you, Whosoever shall put away his wife, except it be for fornication, and shall marry another, COMMITTED ADULTERY: and whoso marrieth her which is put away doth commit adultery


Understand this, this verse talks about when a man leaves his first wife completely then marries another. He commits adultery.
But if he still chooses to stay with the first even though he marries another he hasn't committed adultery

TippyTop:
Where are zombies to scream that Bubu has always ignored Fayose.

Bubu whom they said ignored Fayose has in the past tried to bribe Ekiti law makers to impeach Fayose.
When it failed same Ekiti law makers were bundled into waiting DSS vehicles and carted away. Same Bubu that ignored Fayose recently banned Fayose from travelling outside Nigeria.

Buhari have tried everything to bring Fayose under his control but can't.

This impunity against the Oshokomale won't be ignored by PDP trust me, Buhari is fast turning his APC administration to full time dictatorship.

Buhari back again to kill democracy like he did in 1983, apart from Fayose the dullard is going after Ekweremadu and NASS, reformed democrat my azzzzzz.

Lies

989900:
#creepy

Smiles.... Yes....but it CAN be scientifically explained

I knew that. The vegetation just simply covered up the water.. The river didn't really dry up

Hmmm....Nigeria health care services, I guess