₦airaland Forum

peacenaija:
Dear Nairalanders,

Trust we all keeping safe.

I really need clarification from bankers and experienced persons in the house. A friend of my lost her father recently and they have started receiving their father’s entitlement which was paid into the account domiciled with a Nigerian bank operated by the deceased.

However, my friend’s mum lost their dad’s ATM, so they reported to the bank with the death certificate and requested for a new ATM or the money moved to another account but the bank is now asking for a letter of Administration and they will take 10% of the money left in the deceased account.

My grouse is not the letter of administration but the 10% they are asking on another person’s entitlement. Is there any law backing this? How can we go about it because the money is a substantial amount?

I'd appreciate your advice and clarifications. Thanks

This is a scam, what you need to do is to go for the letter of administration then approach the bank afterwards to process an estate account on behalf of the deceased.
The account will be operated by the court appointed trustee(s) as stated in the letter of administration.
Upon presentation, the bank is required to initiate a process of opening an estate account and transferring the oustanding balance from the deceased's account to the new account.
Charges that may be taken are purely administrative and usually less than 10k probably to cover for legal search done on the documents supplied.

Hit me up for further clarifications.

J111333:
This is personal so please be courteous with your comments.

I have a married female cousin who takes church serious more than her life, well I don't wanna waste your time with that part of the story.

I have tried to help her husband and her financially for a long time now and I'm afraid I've turned from helper to head of household, not funny. I jokingly told them to hang their boots after they had their fourth child but as I'm typing this, baby five just landed.

Their first son just got admitted into Unilag and guess who they called to help. I've severally decided to stop helping but thoughts of those lovely kids of theirs have always affected my decisions.

I told the newly college admitted boy to open a bank account so that I can channel my help properly but her mum said he wasn't 18 yet so she would be the one running the account until then.

A little background story.

My cousin is a graduate but helps her husband in an imaginary business of his which I have put in like N10m if not more yet nothing to show for it. I later switched to helping my cousin get a job, she ended up getting duped of the money meant to pursue the job Nigerianly.

She was/is my favourite cousin growing up and she was more than a nanny to my sister and I when we were little.

How can I put an end to this madness without feeling guilty about the kids? Mind you, I love their kids very much.

Have you at any point in time discussed these reservations with your cousin and the husband? If no, then you need to make her understand the implications of churning babies without plan and recourse to economic realities. You may also talk about the health implications. Try involve other family members to drive home your point.
As for your financial commitments to them, it's not advisable to stop, try cut your sister and the husband off while directly focusing on the children. It may not be easy but you need to show some tough love.

johnmba:
Fellow NL . Am bringing this issue to seek advice.

I come from a family of 7, we are all graduates except the first son who is into business. The second son is very very rich,he works with a big multinational company.

When we were growing up he hardly play with us the younger ones but he was close to the first son. But he totally changed after he got married 15years ago. Though our parents did not initially support his marriage because of the girls background (her father died and the mum went back to her house with the daughter) and her character too. My brother got angry and said nobody should visit him or ask him for money. He used to help us in school.

Later my parents accepted and gave their support but since then my brothers attitude towards us really changed. Each time I visit him , he does not give me money in the presence of the wife. Also he usually give me money to go and eat outside because she hardly cook.

The way he talks to the first son is degrading and he hardly pick our calls. The first son business is not moving at all but he does not care though he has given him money and car some years back and they don't talk to each other again. On several occasions people have told the third son why his brother refused to help his family. They said he helps people alot in the multinational company and he is a very nice guy.

Please what do we do? I don't want this separation to continue till death.. Our children are watching and I want us to relate as brothers and sisters.

Nb.
Nobody is calling him to ask for money. Am an engineer but works in a hospital. All we want is that brotherly love. Since I finished school I have not asked him for money likewise some of my siblings.

How do we bring him back

I think it's more than what you wrote up here...a crisis or badly managed dispute apparently led to this present resentment.
Get people he respects alot involved, you may also involve your parents.
You need to act fast also before it becomes irredeemable.

It's well!

bankole200:
I am self employed but seems I don't like what I am doing again.I have experienced over six failed engagements. I am 40 years old. Living now becomes a nightmare. I am lonely most times, depressed.

Trust me, depression is a thing of the mind, it has nothing to do with age, status or standing...
Why don't you like your work again and how can it be remedied?
As for the failed engagements, have you tried x-raying what led to them and the lessons to be learnt? 1000 failed courtship is way better than one failed marriage.
Life is for the living bro so try take time to reflect on where you are now and project on where you want to be. Occupy yourself, surround yourself with positive energy and seek help when neccessary.

It's well!

Oooops:
Hello Guys,

Kindly assist. I have an 18months old child (1year 6months) but he is yet to talk.

He only makes sounds and gesticulates. He also hum when baby sings are being played or atleast tries to blab along but that’s all.

He has not said any real thing like daddy or mummy or anything at all.

I have met children who are not up to 1yr or even 1yr and some months already talking. This is getting me worried. Should I be worried

Parents pls I need your opinion on what I should do.

Mods kindly assist for broader suggestions. Beginning to get desperate.

OP,
No cause for alarm, your child is okay from what you highlighted. Each child is unique and the only thing we can do is to care for them and nurture them in their uniqueness.
Obviously, your child loves nursery ryhmes so load him with lots of it also gesticulate and use baby lingos while talking to him.
You may also watch the language you use at home, children often get confused when we speak more than one language frequently at home.
Conclusively, bond more with him, he'll surprise you soon...

Ayamovic2018:
My husband is a marketer. Dsa, he walks around looking for who to open account with a killing target. We have tried all possible best to get a better job, spent so much on getting a federal or state job ....all not working.. I'm a new mum not working currently..no family to help instead they look up to getting from us.... My heart bleed seeing my man looking burnt and always tired... Please and please nairalanders help the poor guy. All he need is a more comfortable job .we stays in Ibadan ready to relocate.... Please and please help me oooooooooo

What's his qualification? Newly licensed banks are recruiting but with focus on the lagos market.

It's well!

o ga o, who we offend gan..this is sad.

eyoniggar:
OLUWA OOO IFELEKE of all cules, u came outta the what? I cant blv you are still on this forum oo. How you dey my brother? I don miss all of una ooo. Good match there bro. But make we still go ANFIELD Like sey na we concede three oo.

Eyo Baba I hail!
I am good bro, indeed it's been ages and I sure miss those days when we still had more time...
I am mostly on ghost mode now, just enjoying the flow from time to time...how you dey?
It was a wonderful game filled with some nerve wrecking moments but EV has my full respect for a tactical masterpiece. We couldn't have fared better with Arthur or trying to fight them with high pressing. We soaked up and hit them when it mattered.
The lads including Suarez brought their A game, you could see the hunger and determination to win even Busi didn't unnecessarily hold on to balls.
I think the ghost of Roma still haunts them so the return leg will be taken seriously like the first.
We might be prepping for a final with Ajax...God willing!

tesppidd:
lol

It's 3 hours to go.

Dunno why but I never anticipated even the finals in 2011 and 2015 as much as this semi.

No be small thing...
I have been refreshing this thread since morning just to get moral support but it's like almost all of us need it.
It's indeed a final before the final and we all know the quality of our opposition and the level of our own weakness.
We need Busi to play the game of his life tonight and Coutinho to replicate the neymar role in the famous remotanda against PSG.
A slip, we are doomed.

tesppidd:
We need to approach this game like the trophy would be presented at the final whistle.

I have never anticipated any game in my life more than this.


Been thinking about this game for 14 days and 14 nights!

Now I think i gotta get some beer to take me till 8pm.

Brother I have been thinking about it since after the draws, more worried when I realised we are playing at home first.
I couldn't cope with the anxiety anymore hence my coming out of ghost mode here.

eyoniggar:
Guys, new and old cules! Make una calm down. The Barca that I have foreseen this season is a treble winning TEAM. I repeat treble winning team. Though I foresee Messi being injured today, so please any cule in here who wants our true progress, pray against unfortunate injury on our magician. You guys will be surprised today with the number of goals that would be picked from the back of liverpools net.

Once we dust off todays game, the UCL would be ours, I repeat, would be ours.

Thanks for this old mate!
I have been on ghost mode for soo long here but this piece brought me out.
This match is really putting us on a nervy edge but I pray we bring our A game especially in the first 15mins.
The midfield and Countinho will decide it and I pray they step out and step up!
As for Messi, all will be well!
Forca Barca!

Fayose wanted some form of personal gratification which some of the banks didn't want to give, he took them up and started digging into their books for default. He asked for evidence of tax remittance even going as far back as 10 years. He eventually sealed them up and one of the banks that didn't default took the government to court. They got a favourable judgement two weeks ago.
As for Fayemi, he is just trying to score cheap political point with it, he never contributed anything, didn't even give some of the banks audience prior to the judicial resolution.

This is too much, kilode!

It was as if the whole world including Africa turned a blind eye and deaf ear to Rwanda when the whole thing happened. We were busy focusing on the nation's cup and the world cup later while ignoring the calamity going on. To think it happened majorly within 100 days!
Everyone who could help but failed will forever carry the guilt.
No to War!

There are no limit to words when one is handling children..
I usually add the prefix " My friend" to every word or line I use with my kids till the day my first child proudly announced in school that her daddy doesn't beat her but only squeeze his face and yell "My Friend"!

Constitutionally, the CDS is superior to the COAS in rank, power and influence but series of politicisation, ethnic bias and nepotism has bastardized the military hence various arguments for and against...
The president or the C in C directly or indirectly determines who yields more power/influence.
That's the present reality we face in this country.

Somebody needs to tell this man that he also contributed immensely to the sorry state of this nation.
He doesn't have the moral right to condemn anyone!

Waow!
What a night, what a match, what a team, what a coach.

This worse than the Bayern drubbing!
what has this coach done to us?

alawi5k:
www.vanguardngr.com/2016/11/presidency-reacts-to-senates-rejection-of-burharis-plan-to-borrow-30bn/

Why present a proposal whose details is still under collation?
The Senate, for once is right to reject this padded misadventure.
May God save this nation.

BreExit wins...interesting times ahead, all should brace up.

OP,
I see you've gotten loads of wonderful advice here so I won't bore you.
Please don't go back!
I left my parents when I was 21 and fresh out of the polytechnic, got a job in a far away town and lived off God's mercy and human benevolence. I admit it wasn't easy at all especially at the beginning but I stuck to it and today, many years down the line I can say God has really blessed me with milestones(academically, career-wise, family and loads more).
So, let your family know you are set in your way and allay there concern by creating time for them on your own terms.
As for cooking, look for inexpensive ways of eating good food...For me, I patronised mama put a lot till my level changed from single to married.

That said, all the best!

A very silly directive from the government...
Why don't we address our very weak/porous labour laws for starters?

You don't just joke with people's life/careers by making cheap political statements.

The fate that befell Osun didn't just happen, it actually started mid way into Aregbe's first term as a governor, some of us who were privy to this then raised it but people didn't pay much attention to it.
I remember addressing this with a friend who was a top man in Aregbe's cabinet then and he just laughed it off.
...I saw him few days back and asked again, he looked at me and shook his head...
It will take nothing short of a miracle to take Osun out of this mess.
I hope other states are learning and most importantly, I hope Nigerians are seeing the real deal...

The problem with this government is ill-preparedness, the president only wanted to rule without actually having a genuine blue print required to turn the nation's fortune around for good. He blames past administration forgetting it was there mistakes that propelled him to power.
I think it's high time the president realized that propaganda can only win election, it can't rule a nation successfully. Nobody wants him to perform an overnight miracle, we know the rot will take a while to fix we only want to see concrete steps taken to that effect.

Back to the topic,
I don't think the president needs to be told before he convokes an emergency economic committee to tackle this problem. By now, we should have teams working on how to stabilize the free fall of the naira on one hand and another working on how to cushion the effect of the drop in oil price on our monolithic economy.
Looking at the people the president surrounds himself with, one tends to be afraid for the nation...

The government of the day is suffering from misplaced priorities and we the people aren't helping matters...
Some are supporting it blindly while others are disparaging based on personal sentiments/affinity.
May God save this nation from an impending doom.

190theclown:
Its indeed been a while (Years now) how are you and hows your family

Bro we bless God, am good, family's fine.

Well, Reno is right, APC should stop this blame game already and focus on how to re-jig the economy. Majority of the people shouting now also contributed to the mess we are presently in now.
What the president needs now is to recover our looted funds without making an issue out of it and re-invest accordingly, Nigeria cannot continue to run on this blame game ride...

190theclown:
How far

My e-friend and troublesome partner of yesteryears....
It's been a while bro, hwdy?

190theclown:

190 !??

Firefire:
First the spending was reduced to $300 Maximum spend per day and $10,000 p.a, now beginning January 1st... nothing at all.

I struggled to pay my hotel bill last week in Zurich, requesting the hotel to please charge me maximum of 296 CHF per day continuously, otherwise they cant make bulk withdrawal when am leaving.

What a monetary policy, what a government of confusion.

Cc: Lalasticlala good morning.

Omo Iya,
The CBN said it's trying to save the naira from further bashings at the international market hence the restriction.
Deposit banks(commercial banks) are struggling to make payment for services rendered by the numerous international merchants at a rate not too favourable to them. The sharp disparity in the official and parallel rate of dollar is also not helping matters.
Our banks are heavily indebted to mastercard, visa et al and the CBN does not have any reasonable clue as to bail out so the total restriction is their way of saying no more accumulation of debts!
May God help Nigeria in the year to come...

ARSENAL
Oh my!