₦airaland Forum

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.

Thank you sir, i got so many listed around, u have saved me a great deal.

proxillin:
I used to think masturbation is a guy thing. But many ladies are into it.

Yes nah, havent you heard why cucumber is costly in the market?

can it be true? it must be a lie by northerners in order to blackmail jonathan and make him lose election!! Hahahahaha, Ibos are pathetic

I know prof danbatta since 2006. Worked eith him at digital bridge institute, he is a complete profedsional

This is for the ladies, guys are suing now, read below:

A man who saw his new wife for the first time without make up is reportedly SUING her for trauma, after being shocked at her appearance.

The unnamed couple had just got married in Algeria and after spending the night together, the husband woke up to find his wife bare faced.

But rather than admire her natural beauty, instead the man REFUSED to believe the woman was his wife, believing her to be a thief.

Finally realising that this was in fact the woman he loved, the man is now allegedly suing her for fraud and “psychological suffering”.

A source told Emirates 247: “He said he was deceived by her as she used to fill up her face with make up before their marriage.

“He said she looked very beautiful and attractive before marriage, but when he woke up in the morning and found that she had washed the make-up off her face, he was frightened as he thought she was a thief.”

The price of the husband’s “suffering” is £13,000.

source: http://news.yahoo.com/groom-sues-new-wife-for-fraud-after-seeing-her-075109260.html

owobokiri:
Every discerning mind knows it was all about personal greviances. Nothing else. Using Rivers state resources to fight against Rivers states interest. In every picture Amaechi has taken with buhari these days, it is noteworthy to see a humble amaechi bowing, groveling, caps in hand, shaking buhari with all the respect a corrupt soul can muster. But from the first day, it was total disrespect for Jonathan as if the office of the president doesn't matter, simply because the beneficiary happened to be a 'local guy'. . For one oil field, you quarreled with Jonathan to no end, today you have handed the whole Niger Delta oil wells to one Daurra tribalist who only needs you for ceremonial photo ups at washington and co. . Some change there. .

when patience Jonathan seized microphone from his mouth in public am sure u were deaf like most SS people then. and that was long before their issues started, can u tell the house how Jonathan handled the public disgrace his wife meted on amechi?

Few sensible people come from South south and amechi is one

Firefire:
Kini ele yin so lenu ...

you be expert wailer?

OP forgot to tell us how much per barrel crude was sold under jonathan before July 2014 when the price went down? So you think nairaland is ful of secondary school leavers abi? Dont even try exonerating jonathan, dont even try, that will be too lame of u.

Firefire:
The former president (GEJ) was reported to have already started compiling a report which included documents linking President Buhari and key assistants and colleagues in his government to major fraud connected to different affairs of the administration, when he received President Buhari’s “esprit de corps” plea for a general understanding and restraint.

so $50,000 and $170,000 is all you can tie to Buhari? A former head of state? I know people that were in primary school when GMB was president that can dash a harlot that amount. So that is your 'GREAT' discovery? Unfortunately GMB is fighting for poor people like you and most poor Ibos like you are busy fighting for GEJ and PDP that made you poor. What a pity your life must be

Most of these applies to boys not adult men

A new Nigeria, the next thing will be to quickly allow biafrans have their country on the clause that they will never be re-admitted no matter how hard they will cry after looting each other senseless in less than 10yrs from now

SeverusSnape:
Shut up you wanking zombie...anytime some one confronts you zombies with facts, you will start masturbating on Jonathan's issue. You know what I said is the truth.

So Buhari was sponsor to Bokoharam and Jonathan and PDP knew it and never arrested him because of his age abi? or because of his pretty wife? And Jonathan now even handed over to him without a fight abi? And it is you that is selling shop in alaba market that has the accurate information? Why not just enter the lagoon and do everybody a favor or better still ask for nigerians to vote for and against biafra so that u see how many people want u to be in your hopeless Biafra already

kodlins:
Jesus!! This is so pathetic

Anger management is needed for our generation

And konji management too

hinwazaka:
1. You are a former employee of his so therefore you are too involved to see clearly
2. His son accused him of having double standards on issues(this is a very big statement). The issue of his son's behaviour is inconsequential to the topic. I merely wanted to show you how close to home my assertion is.
3. I never called into question the integrity of Mr Bakare. I only questioned his lack of character on important issues. Character and integrity are two very different things. A man can be arrogant and deluded but may not be corrupt.
I hope I have been able to convince and not confuse you.

To take sides with his son isn't very logical. I wasn't his staff, I was a for-hire phone technician at the time and I can tell u how common it is to be insulted or taken for granted in my position but I never saw that with him nor any of the others I know. And last point of correction, if you want to know anybody, you ask the staffs he pays. Take care

Fleshly:
Honestly, it always gives me mental excitement whenever the name Biafra is mentioned and many people (yolubaboons) begin to go punk.
I at all times feel very elated to see that at the mere mention of my tribe's name, a dead yolubaboon is woken up.

However, what I do not seem to understand is how do these same people who claim that the Ibos' (the children blessed by God) are not worth their time and yet they cringe whenever the name (IGBO) is mentioned. Infact, the surest way to generate traffic on nairaland these days is just to open any thread that has the buzz word IGBO or BIAFRA in it.

Any objective person or even any person with an IQ that is slightly higher than that of buhari or OP will know that it is only a succesful person that will be the talk of every one else.

I just want to advice the yolubaboons (BTW; I'm only doing this out of charity as a christian), begin to plan how to develop your wastelands, because BIAFRA shall surely come. It may not be now, it may not be tomorrow, but sooner than we expected, because the way I see my people - the beautiful bride of the east going about their quest for BIAFRA is unprecedented... The Biafran rhetoric is at an all time high, every Igbo person that I know of, even those whom I know were severely opposed to the idea are beginning to buy into it, something that has been lacking for over 40 years.
Thank God for that!

You have no idea how many people u will be doing a huge favor by packing your bag and leaving finally to that Biafra of yours. If I were buhari I will pay Ibo's to leave and u will get free transportation. I have never seen any tribe or group of people as deluded as u Ibo's, pls this is a honest assessment. And lastly quote me in 20 years from now - Biafra will be the worst thing that ever ever happened to u Ibo's, I said again quote me. U people are going to learn for the first time that you Ibo's do not have a shred of the attitudes that build a nation and in fact your culture abhors it. Biafra will be the worst country in the whole of Africa. You will be the most looted country there ever was quote me

hinwazaka:
Mr Tunde Bakare's personality is known to all, even his own son blurted it out during a heated exchange between them. If not for the timely intercession of his daughter he would have disowned his son. So FYI: I have been a regular viewer of his one hour "special" since I was a kid. His show speaks volume of his loudmouthed, narcissistic nature. They could be best described as caricatures of the self brainwashing programmes of Kim Jung yeol and Chavez. The man is nothing but a disaster waiting to happen
PS: whatever you think of me I wish the same to you too

And I used to work on both his office and home PABX in the late 90s and he shows respects to even the lowliest of menial workers. So in your opinion a son can ever do something deserving of been disowned? And lastly u think Bakare is talking as u said because he wants to make money? That is your thinking right?

hinwazaka:
What a joke. You probably came up with this because of his inclusion in the team that escorted PMB to the US. Well let me clear you on some schematics you didn't see while fathoming this parody.
The relationship between PMB and the pastor ended the moment the ACN brokered the deal for the Osinbajo VP candidature. Just so you know PMB does not give a hoot about anyone but PMB likewise the pastor. Both men are Narcissistic and very selfish and it was the hand of God to ruin their chances of getting to Aso rock together. If that had happened it would have been a catastrophe because we will have seen a case of one ship, two captains. The only reason for the selfish pastor's inclusion was to go to the US with the original team known to Obama and the Democrats, to fool them into believing that all was well. But as expected the Americans saw through the charade, and briefed with already compiled reports, FIRED the APC. That is the short and long part of the story. Am afraid its not a Happily ever after story but rather will end up a TRAGEDY

You must be a disappointment to your Ibo parents, so with all the passable english u seem to speak this is what your pie brain can make of the personality of Tunde Bakare? Ibos are really daft as proven all through time

erico2k2:
guy minus the land.100 will build that house plus change sef.

ur right my bro, such an annoying country. What business does Dino have? His only business is politics imagine? Just like prince Abubakar Audu former gov of my state kogi, he has no other business except politics, the man wants to return to office after been Govnor twice in the past. Every single commercial property the man owns in Abuja were ones properties of kogi state now converted. I weep for those that will come after us

Dino does not have N1billion anybody saying something else is just entertaining himself. That house is not priced more than 400 - 500 mil in that part of Abuja

Since its Ibo on another Ibo then thank God, at least they wont shout the "they hate us" mantra this time

Blacks have no clue how to solve problems at the roots, re the authorities aware that the average police officer has more children than his salary can cater to? If you put 10 children in a one bedroom facility how do you expect the house to look like? or 2 wives in a small flat? We have no idea of the root causes of our problems, are police told how many kids they cant have? Has that ever occurred to anybody? But this is not to say there is neglect but what I mean is that there is also an equally serious reason

ellabooz:
sorry,take the message home, I don't deal with peeps like you. Accept it In good faith and near not my mention.

U speak passable English unlike most ill-educated Ibo's clamoring for their own suffering as expected of a clannish bigoted and shortsighted tribal folks. May God almighty grant you people Biafra so that you will use your mouth to spell suffering forward and backwards. Yeye people

knaa:
well THE ranking is known as the best in d world and cant be influenced in their rankings. there must be smtn uniport is doing that others dont do.
am a graduate Dr of uniport. once i was in upth attending to a prof of chemical engineering from university of johanesburg who came to uniport who came to nigeria to do a masters in an aspect of petroleum engineering in the IPS (institute of petroleum studies and) as they wanted to start up d dept in their school.
this shows some of the areas in which uniport excels as IPS is said to be of d same quality with that of france.
anyways dancing shoki for my alma mata

Point of correction sir, there are over 7 different ad well respected ranking agencies and I have never heard of this. And please there is no argument here because uniport is not even in first 8th here in nija to talk Africa pls. UI, OAU, Unilag, Ilorin, Uniben, Futa, don't even need to compete with washed-out uniport. I don't even want to mention unn, abu

ellabooz:
Wisdom is really how you handle dumb and mad people.

Am wiser than you, deal with it

''He is a foool who says I am wise,"

ellabooz:
JAMB closing date is on Monday,hope you are aware of that?

Took it in 1993 before your father fvcked your mother for the first time am sure

U left out the main reason but you can be excused because most nija guys don't even know due to low self esteem or low IQ or both. The biggest reason u probably aren't hearing outside is that WOMEN TOO LOVE SEX! Period! And what can be better than to be paid for something u love? You have no idea how many women pay for sex from guys they like, you have no idea. It might not be money but I tell you many many women are doing naughty naughty things to get laid by some hot young guy around them ESPECIALLY MARRIED WOMEN! No time to tell u factual stories just go and open your eyes and ears and talk less

ellabooz:
It's only in zoo like Nigeria that such is done ?Everything unthinkable happens here.

Before you do the wailing for us,we are already on it.
We will keep wailing ,like Israelites in Egypt, until we are set free from this zooo.
Do I need to remind you how many years Moses and his people do the wailing? 400 years . And guess what, at the appropriate time freedom came calling and the were allowed to go.

Before now anything Biafra seemed disgusting but not any more.
We don't stand a chance in this country atall.
The west are promising to drown us in lagoon and they North has stated emphatically that we would be treated like an outcast for making our choice at the poll.

What a country?
I wail in Achebe's voice "there was a country"
Finally, for the mods, I say big thanks for the ban.

Ndi Ara

I have never responded to the foools calling for Biafra but let me tell u something u might not have heard: are you aware your Biafra is something 90% of Nigerians are praying for? The only problem is that the dumb leaders we have don't even know their left from right and as such have no idea but the idea that 'Nigeria must be one', except that nija is far far far better without u Ibo's. And quote me in 20 years time - Biafra will be the most looted and poorest country in the whole world, u biafrans are going to suffer more than the tire on a V8 motor, watch and see. If I were buhari I will sign Biafra off before even appointing ministers, useless people. So u think what makes a country is only hard work? U Ibo's as usual will shoot yourself in the leg again

I have cursed all the criminals supporting Jonathan, especially the poor ones. God of David Adeboye will continue to punish them from now till the next 4 years in Jesus mighty name - amen

Built2last:
if your postulation is anything to go by.

that 2% is enough to change every sector.

Possible but herculean

jarkbauer:
About 6 months ago my wife started refusing sex. In the last 6months we have had sex only 4 times. I asked her why and she told me her libido is dead. She doesn't feel like having sex. I am at loss. Any woman with this kind of problem. To help her, I asked if she has any fantasy we could fulfill just to spice our sex life and she told me she doesn't have any sexual fantasy.she hardly think about sex. That's why ask in another thread if women usually have sexual fantasy. We are married for 2 years and have 2 kids.

She has gotten used to u, why is this difficult for black people to understand? That is what makes marriage difficult nah? And besides u might not even look attractive anymore with your pot belly and all. Separate for a while period! Suggest different bedroom or go more on trips. Don't ever ever bring up issue of sex again until she does, get a sidekick outside if u can't hold it and remain a good husband. If u go to any pastor or elder for advise then u would have just started chopping your nyash

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Hope u know u are crazy jokes apart?