The Honourable Attorney-General & Minister Of Justice Attorney-General’s Chambers Federal Ministry Of Justice, Abuja.

Dear Sir: 1. About two and a half years ago, Dr. Bukola Saraki requested that we merge Societe Generale with Intercontinental Bank (IB) Plc.

We conducted a due diligence exercise and noticed N30bn negative capital – so the board of IB Plc turned it down. Dr. Saraki was very unhappy.

2. When time came for the renewal of Gov. Soludo’s appointment as CBN Governor, Dr. Saraki blocked it with late President Yar’Adua and brought him Lamido Sanusi. Being my customer, Dr. Saraki confirmed this personally to me.

3. Lamido Sanusi was appointed CBN Gov. on 4th June, 2009, and on the 18th June, - after just two weeks in office – he sent CBN examiners to five banks including IB Plc. This was quite unusual, as the CBN had just completed a comprehensive examination of IB Plc as part of normal protocol. The result of this was good.

4. The new examination finished in mid-July, and we were expecting their report. Suddenly, they returned claiming that several accounts, which they had verified and agreed with us as “performing”, were now reclassified “non-performing”.

5. Despite these manipulations, IB Plc’s ratios were alright. Unusually, the CBN examiners returned on four separate visits to reclassify even more accounts as “non-performing”. These even included what we regarded as our best accounts.

6. This prompted me to ask some of the examiners what was really going on. They confided that the new Governor was bent on removing certain bank CEOs, and wanted to show that IB Plc was too exposed to bad loans. They said he formed a team in CBN reporting to him directly. Each completed examination report was turned down if it was not damning enough and they were ordered to go back until they achieved certain ratios.

7. One of the examiners showed me a report on IB Plc, which was favourable. This has been rejected by the CBN Governor, as it did not justify or warrant my removal.

8. Quite disturbed by this development, I decided to speak to Dr. Bukola Saraki, since he recommended Malam Lamido Sanusi’s appointment. He told me that the CBN Governor was unhappy with myself and Mrs. Ibru (of Oceanic Bank) because according to him, we had contributed N6bn to the Senate to block Lamido

Sanusi’s confirmation as CBN Governor. I refuted this allegation telling Dr. Saraki that my religion would never allow me to do such a thing, as no human can undo what God has ordered in Heaven.

9. I immediately booked an appointment to see Lamido Sanusi in the CBN and questioned him regarding the N6bn Senate bribery allegation. He said he had put that behind him, as “not all king makers in council will support the choice of a new Emir”. I once again reiterated my innocence, based on my religion, that the God I serve will never permit me to try to block someone else’s good fortune.

10. Later, I mentioned to Alhaji Aliko Dangote the strange repeated CBN examinations and the allegation by Lamido Sanusi. He promised to speak to him and ask him about the matter.

11. Surprisingly, Alhaji Dangote returned to say Lamido Sanusi revealed that he was told of the alleged bribe by Dr. Saraki, and that I even lobbied him to be the CBN Governor.

12. Apparently, it was Dr. Bukola Saraki inciting Sanusi against me, as a way of removing me and taking over IB Plc.

13. It has now become evident that both Dr. Saraki & Malam Sanusi used the opportunity of the worldwide financial crisis of 2008- 2009 to jump into certain banking institutions and take them over. The crisis had been acknowledged and was being well managed by Professor Chukwuma Soludo, the former CBN Governor.

The ENTIRE industry was affected, as others worldwide.

The Nigerian economy was hit by four economic catastrophe namely:

a. The oil price drop from $147 per barrel to $30. All oil importers refused to sell in a hurry at this new low price, so banks had to give them time for the price to improve.

b. The worldwide stock market collapsed and this led all foreign investors in the Nigerian stock exchange to hurriedly sell their shares. This further depreciated the Nigerian stock exchange index, also having an adverse effect on the banking industry.

c. The CBN, in response to crashing oil price, devalued the Naira by 40%. This meant importers with unsettled bills had to source more Naira to buy Dollar, and thus, put a strain on bank customers and the loan portfolio of the banks.

d. The sudden devaluation of the Naira by 40% caused a panic among overseas banks that had dollar placements with Nigerian banks. They immediately gave notice and withdrew their funds. IB Plc lost $1.2bn in this way.

Rather than the new CBN Governor to perform the role of ‘lender of last resort’, he used the crisis to take over banks for his mentor.

All these banks had prominent Nigerians waiting to buy them at “knock-down” or give-away” prices. However, the media altered the equation.

14. On the 14th of August 2009, without any discussion, Malam Sanusi issued me a letter of removal as CEO of IB Plc. He also removed all executive directors of the bank with armed police men.

15. The letter (copy attached), said that based on the examination he ordered on the 18th June, 2009, it is in the public interest for the CBN to intervene by taking over the bank.

16. Till today, no report of the examination has been made available to me, the management, or the Board of the bank. We had no opportunity to learn how the CBN came to its decision, nor were given an opportunity to respond to the examination report, as is the usual process.

17. My removal by Malam Sanusi was done in flagrant disregard of the legal provisions regarding the removal of bank directors (i.e. Section 35 of the Banks and Other Financial Institutions Act, Cap. B4 Laws of the Federation, 2004) as there was no lawful special examination ordered into the affairs of Intercontinental Bank Plc, as required by law. Since no order for special examination of the bank’s affairs was signed by Malam Sanusi, as required of him by the law of this country, his order for my removal is, improper and unlawful.

18. The current CBN examination of May 2010, now says there is a N95bn loan over-provision, which means IB Plc was deliberately marked down previously.

19. Two lorry loads of police were sent to IB Plc to remove me. It was like a bad movie, a big surprise that a person can be driven away from a business he had started and nurtured for over 21 years in one hour. And without any opportunity to contest it.

20. I was surprised that the next morning (Saturday), all the papers carried personal interviews with Malam Sanusi, in which he accused all the CEOs of various misdeeds. This showed that it was pre-planned and well-rehearsed.

21. On the evening of 19th August, I received a call that Malam Sanusi under the powers that the late President had delegated to him, had ordered the EFCC, the Police and the SSS to arrest me. I also learned that two lorry loads of personnel were en route. I hurriedly left the house, though I could not believe that all this had transpired in the last 72 hours.

22. I then recalled a professional disagreement with Malam Sanusi while he was CEO of First Bank. Back then, I had discovered that his staff members were de-marketing IB Plc and I wrote to him concerning this. .

23. My immediate conclusion was that Dr. Saraki and Malam Sanusi wanted to take over IB Plc by fraudulent means, and that if I went into their custody, it could result in my death, in order to silence any opposition to their plans.

24. Mr. Mahmoud Lai Alabi was appointed by the CBN as the new CEO of IB Plc. Mr. Alabi is an employee of Dr. Saraki as chairman of Songa Farms and several development funds in the state. On resuming, his first task was to write off Dr. Saraki’s loans to the tune of N8.115bn (Papers & letters attached). He also wrote off loans totaling N32bn to friends of Dr. Saraki and Malam Sanusi.

All this, in a bank that they were meant to be rescuing. All these written-off loans had been classified as “good” and “performing” by the CBN examiners, and had been secured with properties in Ikoyi (Lagos), Victoria Island (Lagos), and Abuja. The

CBN examination report of May 2010 complained about this massive loan or “cash gift” to Dr. Saraki. Next, he recruited former Societe Generale staff as Executive Directors and loan managers (for example, Mr. Gbenga Alade). Mr. Alabi proceeded to sack the entire senior management of IB Plc and replaced them with former Societe Generale staff. It is clear, from these actions, that I was removed to smoothen the takeover of IB Plc for Dr. Saraki.

25. As at the time the shareholders’ appointed management was ousted by Malam Lamido Sanusi, IB Plc was not owing the CBN one kobo on the discount window. Also, IB Plc had Inter-Bank takings of N73 Billion. However, as at today under the CBN’s appointed management, IB Plc is now owing the CBN N100 Billion and owing other Banks N300 Billion, making a total deficit of N400 Billion after the purported intervention by the CBN.

26. It is rather curious that:

a. All the banks are yet to receive any examination report from the CBN to show areas of deficiencies.

b. The CEO and entire senior management were removed without the Board or shareholders being informed.

c. Without any criminal charges or reports, the CEOs were arrested and locked up – to prevent them from speaking to the media.

d. It was after locking them up that the EFCC started searching for possible offences (in my case, it took 4 months of searching for any offence to pin on me).

e. Mr. Alabi, the new CEO of Intercontinental Bank Plc, is an employee of Dr. Saraki (chairman of Songa Farms in Kwara). In fact, Dr. Saraki is running IB Plc by proxy.

f. Within two months of his appointment, Mr. Alabi wrote off N7bn of Dr. Saraki’s loans – the companies are Linkers, Dicetrade, Skyview Properties, and Joy Petroleum.

g. As the appointment of each senior management of IB Plc was being terminated, Mr. Alabi was recruiting and replacing them with former Societe Generale staff, in order to complete the take-over. For instance, the Executive Director of risk management brought into IB Plc (Mr. Gbenga Alade) is a former Societe Generale staff member.

h. Dr. Saraki has now used his political power to take over IB Plc after his failed peaceful merger attempts.

i. Malam Sanusi claims to have injected N100bn, (which is less that 10% of the IB Plc’s value), and as such now owns it 100%. This is a bank with a balance sheet of N1.6 trillion; 330 branches; 2 foreign subsidiaries; 10 well-established subsidiaries; 12,000 members of staff; and paidup capital of N230 billion. Where is the justice?

j. When Malam Sanusi initially injected N100bn into IB Plc, he wrote to the Board that it was a seven-year loan (copy attached). Why is he now trying desperately to sell the bank within a year of the loan?

27. I am appealing to the Attorney General and Minister of Justice to institute an independent investigation into the “so-called” banking reform of Malam Sanusi and the fraudulent N32 billion loan write-off.

28. I am also appealing to this government which believes in the rule of law to reverse the fraudulent take-over of Intercontinental

Bank Plc and return it to its Board, management and shareholders.

29. All the allegations against the banks’ CEOs should be independently investigated by the Attorney General’s office for fairness.

30. Even with the deliberate damage being done to the banks and their stock prices on a daily basis, if we are given six to nine months, the banks will be restructured to the normal, favourable and fair positions.

signed

ERASTUS B. O. AKINGBOLA

The Honourable Attorney-General & Minister Of Justice Attorney-General’s Chambers Federal Ministry Of Justice, Abuja.

Dear Sir: 1. About two and a half years ago, Dr. Bukola Saraki requested that we merge Societe Generale with Intercontinental Bank (IB) Plc.

We conducted a due diligence exercise and noticed N30bn negative capital – so the board of IB Plc turned it down. Dr. Saraki was very unhappy.

2. When time came for the renewal of Gov. Soludo’s appointment as CBN Governor, Dr. Saraki blocked it with late President Yar’Adua and brought him Lamido Sanusi. Being my customer, Dr. Saraki confirmed this personally to me.

3. Lamido Sanusi was appointed CBN Gov. on 4th June, 2009, and on the 18th June, - after just two weeks in office – he sent CBN examiners to five banks including IB Plc. This was quite unusual, as the CBN had just completed a comprehensive examination of IB Plc as part of normal protocol. The result of this was good.

4. The new examination finished in mid-July, and we were expecting their report. Suddenly, they returned claiming that several accounts, which they had verified and agreed with us as “performing”, were now reclassified “non-performing”.

5. Despite these manipulations, IB Plc’s ratios were alright. Unusually, the CBN examiners returned on four separate visits to reclassify even more accounts as “non-performing”. These even included what we regarded as our best accounts.

6. This prompted me to ask some of the examiners what was really going on. They confided that the new Governor was bent on removing certain bank CEOs, and wanted to show that IB Plc was too exposed to bad loans. They said he formed a team in CBN reporting to him directly. Each completed examination report was turned down if it was not damning enough and they were ordered to go back until they achieved certain ratios.

7. One of the examiners showed me a report on IB Plc, which was favourable. This has been rejected by the CBN Governor, as it did not justify or warrant my removal.

8. Quite disturbed by this development, I decided to speak to Dr. Bukola Saraki, since he recommended Malam Lamido Sanusi’s appointment. He told me that the CBN Governor was unhappy with myself and Mrs. Ibru (of Oceanic Bank) because according to him, we had contributed N6bn to the Senate to block Lamido

Sanusi’s confirmation as CBN Governor. I refuted this allegation telling Dr. Saraki that my religion would never allow me to do such a thing, as no human can undo what God has ordered in Heaven.

9. I immediately booked an appointment to see Lamido Sanusi in the CBN and questioned him regarding the N6bn Senate bribery allegation. He said he had put that behind him, as “not all king makers in council will support the choice of a new Emir”. I once again reiterated my innocence, based on my religion, that the God I serve will never permit me to try to block someone else’s good fortune.

10. Later, I mentioned to Alhaji Aliko Dangote the strange repeated CBN examinations and the allegation by Lamido Sanusi. He promised to speak to him and ask him about the matter.

11. Surprisingly, Alhaji Dangote returned to say Lamido Sanusi revealed that he was told of the alleged bribe by Dr. Saraki, and that I even lobbied him to be the CBN Governor.

12. Apparently, it was Dr. Bukola Saraki inciting Sanusi against me, as a way of removing me and taking over IB Plc.

13. It has now become evident that both Dr. Saraki & Malam Sanusi used the opportunity of the worldwide financial crisis of 2008- 2009 to jump into certain banking institutions and take them over. The crisis had been acknowledged and was being well managed by Professor Chukwuma Soludo, the former CBN Governor.

The ENTIRE industry was affected, as others worldwide.

The Nigerian economy was hit by four economic catastrophe namely:

a. The oil price drop from $147 per barrel to $30. All oil importers refused to sell in a hurry at this new low price, so banks had to give them time for the price to improve.

b. The worldwide stock market collapsed and this led all foreign investors in the Nigerian stock exchange to hurriedly sell their shares. This further depreciated the Nigerian stock exchange index, also having an adverse effect on the banking industry.

c. The CBN, in response to crashing oil price, devalued the Naira by 40%. This meant importers with unsettled bills had to source more Naira to buy Dollar, and thus, put a strain on bank customers and the loan portfolio of the banks.

d. The sudden devaluation of the Naira by 40% caused a panic among overseas banks that had dollar placements with Nigerian banks. They immediately gave notice and withdrew their funds. IB Plc lost $1.2bn in this way.

Rather than the new CBN Governor to perform the role of ‘lender of last resort’, he used the crisis to take over banks for his mentor.

All these banks had prominent Nigerians waiting to buy them at “knock-down” or give-away” prices. However, the media altered the equation.

14. On the 14th of August 2009, without any discussion, Malam Sanusi issued me a letter of removal as CEO of IB Plc. He also removed all executive directors of the bank with armed police men.

15. The letter (copy attached), said that based on the examination he ordered on the 18th June, 2009, it is in the public interest for the CBN to intervene by taking over the bank.

16. Till today, no report of the examination has been made available to me, the management, or the Board of the bank. We had no opportunity to learn how the CBN came to its decision, nor were given an opportunity to respond to the examination report, as is the usual process.

17. My removal by Malam Sanusi was done in flagrant disregard of the legal provisions regarding the removal of bank directors (i.e. Section 35 of the Banks and Other Financial Institutions Act, Cap. B4 Laws of the Federation, 2004) as there was no lawful special examination ordered into the affairs of Intercontinental Bank Plc, as required by law. Since no order for special examination of the bank’s affairs was signed by Malam Sanusi, as required of him by the law of this country, his order for my removal is, improper and unlawful.

18. The current CBN examination of May 2010, now says there is a N95bn loan over-provision, which means IB Plc was deliberately marked down previously.

19. Two lorry loads of police were sent to IB Plc to remove me. It was like a bad movie, a big surprise that a person can be driven away from a business he had started and nurtured for over 21 years in one hour. And without any opportunity to contest it.

20. I was surprised that the next morning (Saturday), all the papers carried personal interviews with Malam Sanusi, in which he accused all the CEOs of various misdeeds. This showed that it was pre-planned and well-rehearsed.

21. On the evening of 19th August, I received a call that Malam Sanusi under the powers that the late President had delegated to him, had ordered the EFCC, the Police and the SSS to arrest me. I also learned that two lorry loads of personnel were en route. I hurriedly left the house, though I could not believe that all this had transpired in the last 72 hours.

22. I then recalled a professional disagreement with Malam Sanusi while he was CEO of First Bank. Back then, I had discovered that his staff members were de-marketing IB Plc and I wrote to him concerning this. .

23. My immediate conclusion was that Dr. Saraki and Malam Sanusi wanted to take over IB Plc by fraudulent means, and that if I went into their custody, it could result in my death, in order to silence any opposition to their plans.

24. Mr. Mahmoud Lai Alabi was appointed by the CBN as the new CEO of IB Plc. Mr. Alabi is an employee of Dr. Saraki as chairman of Songa Farms and several development funds in the state. On resuming, his first task was to write off Dr. Saraki’s loans to the tune of N8.115bn (Papers & letters attached). He also wrote off loans totaling N32bn to friends of Dr. Saraki and Malam Sanusi.

All this, in a bank that they were meant to be rescuing. All these written-off loans had been classified as “good” and “performing” by the CBN examiners, and had been secured with properties in Ikoyi (Lagos), Victoria Island (Lagos), and Abuja. The

CBN examination report of May 2010 complained about this massive loan or “cash gift” to Dr. Saraki. Next, he recruited former Societe Generale staff as Executive Directors and loan managers (for example, Mr. Gbenga Alade). Mr. Alabi proceeded to sack the entire senior management of IB Plc and replaced them with former Societe Generale staff. It is clear, from these actions, that I was removed to smoothen the takeover of IB Plc for Dr. Saraki.

25. As at the time the shareholders’ appointed management was ousted by Malam Lamido Sanusi, IB Plc was not owing the CBN one kobo on the discount window. Also, IB Plc had Inter-Bank takings of N73 Billion. However, as at today under the CBN’s appointed management, IB Plc is now owing the CBN N100 Billion and owing other Banks N300 Billion, making a total deficit of N400 Billion after the purported intervention by the CBN.

26. It is rather curious that:

a. All the banks are yet to receive any examination report from the CBN to show areas of deficiencies. 

b. The CEO and entire senior management were removed without the Board or shareholders being informed.

c. Without any criminal charges or reports, the CEOs were arrested and locked up – to prevent them from speaking to the media.

d. It was after locking them up that the EFCC started searching for possible offences (in my case, it took 4 months of searching for any offence to pin on me).

e. Mr. Alabi, the new CEO of Intercontinental Bank Plc, is an employee of Dr. Saraki (chairman of Songa Farms in Kwara). In fact, Dr. Saraki is running IB Plc by proxy.

f. Within two months of his appointment, Mr. Alabi wrote off N7bn of Dr. Saraki’s loans – the companies are Linkers, Dicetrade, Skyview Properties, and Joy Petroleum.

g. As the appointment of each senior management of IB Plc was being terminated, Mr. Alabi was recruiting and replacing them with former Societe Generale staff, in order to complete the take-over. For instance, the Executive Director of risk management brought into IB Plc (Mr. Gbenga Alade) is a former Societe Generale staff member.

h. Dr. Saraki has now used his political power to take over IB Plc after his failed peaceful merger attempts.

i. Malam Sanusi claims to have injected N100bn, (which is less that 10% of the IB Plc’s value), and as such now owns it 100%. This is a bank with a balance sheet of N1.6 trillion; 330 branches; 2 foreign subsidiaries; 10 well-established subsidiaries; 12,000 members of staff; and paidup capital of N230 billion. Where is the justice?

j. When Malam Sanusi initially injected N100bn into IB Plc, he wrote to the Board that it was a seven-year loan (copy attached). Why is he now trying desperately to sell the bank within a year of the loan?

27. I am appealing to the Attorney General and Minister of Justice to institute an independent investigation into the “so-called” banking reform of Malam Sanusi and the fraudulent N32 billion loan write-off.

28. I am also appealing to this government which believes in the rule of law to reverse the fraudulent take-over of Intercontinental

Bank Plc and return it to its Board, management and shareholders.

29. All the allegations against the banks’ CEOs should be independently investigated by the Attorney General’s office for fairness.

30. Even with the deliberate damage being done to the banks and their stock prices on a daily basis, if we are given six to nine months, the banks will be restructured to the normal, favourable and fair positions.

signed

ERASTUS B. O. AKINGBOLA

New videos produced by al Qaeda in Yemen show the accused underwear bomber Umar Farouk Abdulmutallab and others in his training class firing weapons at a desert camp whose targets included the Jewish star, the British Union Jack and the letters "UN."

Abdulmutallab Firing Weapons in Yemen

More PhotosThe videos, to be broadcast Monday on ABC World News with Diane Sawyer, appear to support Abdulmutallab's statements to the FBI that there are "others like me" who also trained with him in Yemen to carry out attacks against U.S. and western targets.

The tape also includes an apparent martyrdom statement in Arabic from the 23-year old Nigerian justifying his actions against "the Jews and the Christians and their agents." He says, "the enemy is in your lands with their armies, the Jews and the Christians and their agents." He reads several passages from the Koran and adds, "God said if you do not fight back, He will punish you and replace you."

Abdulmutallab was arrested on Christmas Day in Detroit after he allegedly attempted to set off a bomb on a Northwest Airlines jet. He has pleaded not guilty to criminal charges but U.S. authorities say he is now cooperating in the investigation.

Related
PHOTOS: Baby Face of Terror?WATCH: Obama Gets Tough on Intelligence GatherersMore from Brian Ross and the Investigative TeamThe videos, obtained by a Yemeni journalist working for ABC News, are the first to show Abdulmutallab with the al Qaeda group. In the video he and others use automatic weapons to fire at targets that include a Jewish star, the British Union Jack and the a symbol of the United Nations.

Some, but not all, of the faces of others at the training camp are blurred in the video released by al Qaeda of the Arabian Peninsula. Their logo is embedded in a corner of the screen.

"The other people in the video are presumably the people we are still looking for," said Richard Clarke, an ABC News consultant and former White House counter-terrorism official. The video also shows the purported al Qaeda fighters in Yemen firing at what appears to be an unmanned surveillance plane overhead.



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As ABC News first reported, the U.S. launched a series of cruise missile strikes against suspected al Qaeda camps in Yemen, beginning Dec. 18.

There is no indication of when the tape was recorded but U.S. officials believe Abdulmutallab was in Yemen between August and left in mid-December of 2009 on his suicide mission.

There was no immediate comment from Abdulmutallab's lawyer about his statements on the tape.


http://abcnews.go.com/Blotter/underwear-bomber-video-training-martyrdom-statements/story?id=10479470

New videos produced by al Qaeda in Yemen show the accused underwear bomber Umar Farouk Abdulmutallab and others in his training class firing weapons at a desert camp whose targets included the Jewish star, the British Union Jack and the letters "UN."

Abdulmutallab Firing Weapons in Yemen

More PhotosThe videos, to be broadcast Monday on ABC World News with Diane Sawyer, appear to support Abdulmutallab's statements to the FBI that there are "others like me" who also trained with him in Yemen to carry out attacks against U.S. and western targets.

The tape also includes an apparent martyrdom statement in Arabic from the 23-year old Nigerian justifying his actions against "the Jews and the Christians and their agents." He says, "the enemy is in your lands with their armies, the Jews and the Christians and their agents." He reads several passages from the Koran and adds, "God said if you do not fight back, He will punish you and replace you."

Abdulmutallab was arrested on Christmas Day in Detroit after he allegedly attempted to set off a bomb on a Northwest Airlines jet. He has pleaded not guilty to criminal charges but U.S. authorities say he is now cooperating in the investigation.


http://abcnews.go.com/Blotter/underwear-bomber-video-training-martyrdom-statements/story?id=10479470

A good song to listen to on this topic




https://www.youtube.com/watch?v=b723maOPOaU&feature=related

The last celebrity Takes2 was very funny and interesting.

Pasuma was somehow dancing fuji.

Watch the link below




https://www.youtube.com/watch?v=TguyBM8O_BY&feature=related

Our academicians in universities that suppose to champion most of our developmental projects are only interested in pay raise and also busy dishing out theories rather than practical. What a pity. everybody is selfish in Nigeria especially our so call leaders

OAM4J:

You made a mess of your application by stating that you earned 45k a month. You need to include souces of other income. Stocks etc.

45K a month is also sending a signal that you might not come back. Just find a way to include income from other sources.

Sure You can appeal. You can win.
best luck.

My stock transaction detail worth 850k between 2005-2009 was included. Also included was a letter from my stock broker stating that my present stock net value was 650k. (Before the global crisis, my stock worth was more than 1M) My Brother also stated in his letter that he has sent £1000 (250k) to me for my ticket. All this sums up to 1Min my savings account.

Can my brother appeal in uk on my behalf? also is it compulsory to sign the appealant section or my brother can sign on my behalf since he is doing the appeal.

Dear All

Please I just got a refusal on the ground that I have too much money on my account (1M). I have applied for a visiting visa to be financed by my brother in uk. I 've included my salary account, letter from employer, letter of employment, my stock transaction details net worth about 850k also the said account with 1M. My brother has also supplied all the necessary document required. But the reason for the refusal was that my salary of 45k does not justified my bank statement. I have stated in my application that I have been working for more than six years and I do not have any responsibilities and the 1M balance has been my saving from all source of income (including GBP1000 for ticket from my brother) and also saving toward my MSc in the nearest future.

I am thinking of appealing but I will appreciate your advise on this. Also can my brother do the appeal on my behave in Uk?

Guys,
Please I just got a refusal on the ground that I have too much money on my account (1M). I have applied for a visiting visa to be financed by my brother in uk. I 've included my salary account, letter from employer, letter of employment, my stock transaction details net worth about 850k also the account with 1M. My brother has also supplied all the necessary document required. But the reason for the refusal was that my salary of 45k does not justified my bank statement. I have stated in my application that I have been working for more than six years and I do not have any responsibilities hence the 1M balance has been my saving from all source of income and also saving toward my MSc in the nearest future.

I am thinking of appealing but I will appreciate your advise on this. Also can my brother do the appeal on my behave in Uk?

ChinenyeN:

Your point being. . ?

Good to know and identify with you root/source no matter what. Though sometimes is hard but very necessary.

Even Beyounce is proud to associate with Nigeria. Check this out. It is really interesting.


https://www.youtube.com/watch?v=OGSQH51bN-Y

Six months after the last presidential election in Ghana, the country’s former leader, Jerry Rawlings, has credited the success of the poll to President Umaru Musa Yar’Adua’s persistent pressure on former president John Kuffuor of Ghana to allow the electoral commission declare the authentic winner.
Rawlings in an interview published in a Weekly newspaper, THE GHANAIAN DEMOCRAT, of July 8 -15, said: “By the way, we claim to be the ‘Gateway’ but don’t be surprised if Nigeria ends up as the destination, as they claim. It is important to keep in mind that it was partly Nigeria’s intervention under President Yar’Adua’s leadership that pulled the plug on Kuffuor and Nana Addo’s intended adventure; not the Western powers, some of whom urged on the NPP’s electoral fraud and theft in 2004. But for General Sarki Muktar (Yar‘Adua’s National Security Adviser)’s timely visit, we may very well be mourning and licking our wounds by now”.
The last December’s election in the country was running into some hitches after a clear winner did not emerge between the candidate of the then ruling party, Nana Addo and the opposition party’s candidate, Prof. John Atta-Mills after the first ballot. This warranted a run-off that saw the latter emerging victorious.
THISDAY checks at the diplomatic circle revealed at the weekend that after the first ballot and there were fears that crisis was looming with the two leading parties accusing each other of electoral malpractices, Yar’Adua who feared that it would be catastrophic if Ghana’s democratic process was disrupted in any manner immediately commenced diplomatic moves to stem the tide.
A top diplomat, who was involved in the negotiations said the world may never realise the “intense but quiet diplomacy” adopted by Yar’Adua to ensure the wishes of Ghanaian electorate were respected.
The source further said: “Even though Yar’Adua was neutral, he initially had sympathy for Nana Addo, John Kufour’s candidate for the election but after the first ballot, which Addo won narrowly, Yar’Adua, who had sent Muktah as a roving special emissary, got reports that the first ballot was marred by malpractices.
“He also got reports that Kuffuor’s candidate, Addo, notwithstanding his earlier marginal lead, would find it difficult to win the run-off without manipulation by Kuffuor, who was determined to install his successor,” the source said.
Speaking on the stunt Yar’Adua pulled on Kuffuor with whom he maintains a strong personal relationship, the source said: “The President invited Kufur to Abuja where he pleaded with him to allow a free and fair process so that he would not leave the country he had governed so well in crisis.”
THISDAY further gathered that having sensed the “genuine” intermediary role of the Nigerian leader in the poll, Ghana’s opposition community jumped into the boat to urge him on.
“When the Ghanaian opposition led by Rawlings (whose former deputy, Atta-Mills was the candidate) saw the genuine intermediary role Yar’Adua was playing, they reached out to him on the eve of the election run-off when it had become almost clear that Atta-Mills would win and there were plans to rig the election for Addo since the polls were very close.
“It was at this point Yar’Adua again sent the NSA again to Kuffuor, who gave his word that he would not tamper with the polls. And he kept his word,” the source added.
In December 2008, 8.2 million Ghanaians went to the polls to elect a president and members of parliament. The four major political parties contested the elections vigorously through massive grassroots efforts and voter registration campaigns. The candidate of the National Democratic Congress, Professor John Atta-Mills, defeated former President Kuffuor’s candidate, Addo, by a razor thin margin in a run-off election. Kuffuor not only conceded defeat gracefully, he also cordially congratulated the president-elect and attended the swearing-in ceremony. Ghanaian voters also threw out of office well-known incumbent parliamentarians from the four major parties who had taken them for granted. In the end, all of the opposition parties accepted the results of the election as determined by Ghana’s Electoral Commission.


http://www.thisdayonline.com/nview.php?id=150424

naijatoday:

The supreme court never said the LCDA was illegal. The supreme court said the LAW creating the local government was LEGAL. The government has done everything to get LG status and forwarded the bill to the National Assembly. And what you fail to understand is Yar'Adua when he was Governor created LCDA which are still functioning till today. So why is he picking on Lagos state?

As a federation when you have disagreement you go to court. And the Supreme court ruled the laws creating the local government was legal and the state has meet all the requirements but, it needs approval from the National Assembly. As a result the state changed the 37 local governments to LCDA's until the National Assembly passes the bill. So what is the problem? The LCDA's do not collect money from the federal government, they get their money from internal generated revenue.

You need to read more about Law before you can conclude that Fasola is wrong. The fact still remains that the Nigeria constitution needs serious modification/amendment and the only way out is if everybody involved seat up. Issue like this is what can bring about the reform everybody is expecting. The northern state instituted sharia law based on the power of autonomy and Lagos use the same autonomy to create  Local Government. The Sharia Law was not reversed and now Federal Government wants Local government reversed. The difference btw the two is one is for religous purpose and the other is to aid development.  Nigeria is by Constitution a secular country and some state are imposing sharia. I expect the National assembly to do stand up to their responsibility and really define what is called NIGERIA. ENOUGH OF POLITICKING

If America can invade Iraq against UN opposition and spend lots of money on the war and plan to rebuild it "all because of oil", I wonder why Nigeria cannot defend her territory with all their so call military might.  All in the name of International Justice, the same UN court that America disobey to invade Iraq which is not American territory. What a shame to Big Brother of Africa

Got this interesting link for you guys. Very funny


http://uk.youtube.com/watch?v=CNoAo72_Mug&feature=related


http://uk.youtube.com/watch?v=wFEFhB-RUYY


Enjoy it

neo_welsh

I want to ask you a simple and straight forward questions.

We are called Christian.

1. What is the meaning of been called a Christian? I guess it means in Christ likeness (I may be wrong)    

2. Did Jesus pay tithe?

3. If so, to who and where is the bible verse?

4. Why did the Bible refer to us Christian as a Priest

Dear All

I hope somebody will be blessed with this simple RUTH story.

On the last day many will say Lord! Lord!! Lord!!!

I pay my tithe, I go to Church, I do all what my Pastor says.

And the Lord will reply "I DO NOT KNOW YOU"

RUTH PARABLE
Ruth went to her mail box and there was only one letter. She picked it up and looked at it before opening, but then she looked at the envelope again. There was no stamp, no postmark, only her name and
address.  She read the letter:
Dear Ruth:
I`m going to be in your neighbourhood Saturday
afternoon and I'd like to stop by for a visit.

Love Always,
Jesus

Her hands were shaking as she placed the letter on  the table. 'Why would the Lord wants to visit me? I'm nobody special.  I don't have anything to offer.' With that thought, Ruth remembered her empty kitchen cabinets. 'Oh my goodness, I really don't have anything to offer. I'll have to run down to the store and buy something  for dinner.' She reached for her purse and counted out its contents. Five dollars and forty cents.
Well, I can get some bread and cold cuts, at least.' She threw on her coat and  hurried out the door.
A loaf of French bread, a half-pound of sliced turkey, and a carton of milk, leaving Ruth with grand
total twelve cents to last her until Monday. Nonetheless, she felt good as she headed home, her
meager offerings tucked under her arm. 'Hey lady, can you help us,lady?' Ruth had been so absorbed in her dinner plans, she hadn't even noticed two figures huddled in the alleyway. A man and a woman, both of them dressed in little more than rags. 'Look lady, I ain't got a job, ya know, and my wife
and I have been living out here on the street, and, well, now it's getting cold and we're getting kinda
hungry and, well, if you could help us. Lady, we'd really appreciate it.'  Ruth looked at them both.
They were dirty, they smelled bad and frankly, she was certain that they could get some kind of work if
they really wanted to. 'Sir, I'd like to help you, but I'm a poor woman myself. All I have is a few cold cuts and some bread, and I'm having an important guest for dinner tonight and I was planning on serving that to Him.'  'Yeah, well, okay lady, I understand. Thanks anyway.'  The man put his arm around the woman's shoulders, turned and headed back into the alley. As she watched them leave, Ruth felt a familiar twinge
in her heart. 'Sir, wait!' The couple stopped and turned as she ran down the alley after them. 'Look, why  don't you take this food. I'll figure out something else to serve my guest.' She handed the man her grocery bag. 'Thank you lady. Thank you very much!'  Yes, thank you!' It was the man's wife, and Ruth could see now that she was shivering. 'You know, I've got another coat at home. Here, why don't you take this one.'
Ruth unbuttoned her jacket and slipped it over the woman's shoulders. Then smiling, she turned and walked back to the street, without her coat and with nothing to serve her guest. 'Thank you lady!
Thank you very much!' Ruth was chilled by the time she reached her front
door, and worried too. The Lord was coming to visit and she didn't
have anything to offer Him. She fumbled through her purse for the door key. But
as she did, she noticed another envelope in her mailbox. 'That's odd. The mailman doesn't usually come twice in one day.'
Dear Ruth:
It was so good to see you again.
Thank you for the lovely meal.
And thank you, too, for the beautiful coat.
Love Always,
Jesus
The air was still cold, but even without her coat,
Ruth no longer noticed.

Remain Blessed

Check out this site for more information on tithing.


https://www.youtube.com/watch?v=9ACjnv-BhL8&feature=related.

Because of Police, I will prefer my girlfriend to be in the front seat. I notice that Policemen do not disturb  much once they see female in the front seat but if it is born to born, they stop you at every check point.

If it is a journey/travel sort of, I will rather prefer the back seat.

Got this joke for you guys.

Guess you will enjoy it.


QUESTION & ANSWER
TEACHER: Why are you late?
>WEBSTER: Because of the sign.
>TEACHER: What sign?
>WEBSTER: The one that says, "School Ahead,Go Slow."
>
>*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
>TEACHER: Cindy, why are you doing your maths sums on the floor?
>CINDY: You told me to do it without using tables!
>
>*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
>TEACHER: John, how do you spell "crocodile"?
>JOHN: "K-R-O-K-O-D-A-I-L"
>TEACHER: No, that's wrong
>JOHN: Maybe it's wrong, but you ask me
>how I spell it!