₦airaland Forum

Jeez

I really feel sorry for bankers especially those in Lagos! Thats why most of them dont make it a career after putting in some years because they cant bear with the emotional and psychological stress that comes with it.

What i dont understand is that before the recapitalization in 2005, Banking and Bankers never used to have it this bad and it used to be a normal job for people to aspire to. What changed over night?

Is it greed? Over ambition? Hypocrisy? False image projection? or Nigeria's money is so much now that it cant be counted within the stipulated working time?

What i dont even understand is that prior to the use of latest technological innovations to aid bankers, thins used to be very easy for them especialy with the manual use of intelligence to achieve things in the banks. Has Technology complicated things for them?

Forget the so called money that they say they are earning. Money that has certain clauses and conditions attached to them that makes it almost impossible for the banker to thoroughly enjoy his hard day's work, what really is the problem? Because at this rate, i predict that 75% of the bankers working in all the banks now in 2009 will by 2012 be reduced to 20% because they cant cope with these emotional stress!

Or is it the traffic that is the root cause? i am trying to wonder whether the bankers in jigawa or ebonyi face this kind of stress like lagos bankers encounter daily?

If your stories are true, then i'll advice you to contact the nearest Tort Lawyer closest to you because it has all the recipes of a fantastic law suit written all over it and my guy, you i dont see anything that would make them not settle you heavily. Everything is there;

Discrimination

Loss of profit and emotional distress

Unfair dismissal

In fact its too much and no need to pre empt the outcome, just act fast!

But please make sure your story is 100% true or unless it could backfire!

Cheers!

@chaircover

I got your personal message regarding the deleting of some posts and your anger why i did so. Naturally as a moderator, i'll do my best to be just and fair and step in when i see things are going out of hand.

I admit i made a mistake when i said you cannot get properties in Akobo for less than a million. What i realised after you and the other guy corrected me was that, i mistakenly confused Jericho for Akobo and i got it mixed up because i lived in jericho for a while in Ibadan and all i was thinking was how expensive Jericho is compared to what you were stating. I was wrong and you were right and i apologize for my gaff there!

As per the other issues, while i appreciate the freedom of speech as a veritable tool to express your feelings and if you have been quite conversant with my posts, i will never back down from a fight when you are advocating plausible arguments. I didnt feel i had a need to delete all the posts or comments until i found out that it was getting too heated and very unlike the properties forum. I personally would not encourage verbal assaults like what we witness on romantic threads but rather constructive criticisms to buttress a point.

Liftdone herself knows that i would not hesitate to criticize her if she makes a false statement and i dont support any agent whatsoever but protect the purchasers. If your criticisms were channelled in a more constructive attitude and not try to degenerate it to a girlie squabble, i would have permitted it like so many other comments that criticize agents to get the fact. The reason for this is because once you open the door for unwarranted loose talk, so many nairalanders that have no concrete business on nairaland properties will start posting rubbish just to attract attention and cause emotional strain to the parties involved.

Every participant on nairaland properties has been extremely civil in their approach and manner both from the point of view of the agents and the purchasers and i would love to maintain that decorum and have a place of pride in my heart that this forum is the most peaceful and civilized one.

I have no objections to your comments if they are well placed but if it has the semblance of a dog fight, i will not hesitate to delete it again.

So you are free to air your views without censorship but keeping in mind that the rules of this forum applies in respect of civility.

Cheers!

This thread is being derailed with too much negativity flying around which isnt the hallmark of nairaland properties. While i encourage constructive criticism to allow for proper understanding of an issue, i will not let it degenerate into a fist fight to prove a point.

All condescending posts including mine has been deleted and i hope we start afresh with a peaceful atmosphere as our watch word!

Cheers!

@Ashington

I think i get your rebuttals and to an extent, it is a well structured agrument to buttress your point. The only major flaws in it was that until i brought out these posers,your details about the properties in question where sketchy and led me to raise alot of posers.

Agents have to realise that majority of the intending purchasers are probably based abroad and most of them in Nigeria are not that conversant with property issues hence the need to satisfy their curiousity thoroughly and be genuine in your posts. Every available information needed to aid the buyer is a most and when they become scared or unsure, they panic and seek for true interpretations of the intended post to sell properties.

Like i said earlier on, my duty is 100% devoted to the purchaser to guide hem to make a wise and honest decision to make them sleep peacefully at night and not to support the agent marketing it.

While i understand quite clearly everything you said, i do wish to point out that your "red herring" pun is misplaced in this situation because it is a well known fact that the purchasers lawyer drafts the deed of assignment. Like i stated earlier, since you are selling a large expanse of land which you have done the survey layout and your seeking for subscribers, the best you can offer is a contract of sale to streamline it. What if i decide to pay for 5 months and default, would i still be entitled to get a deed of assignment from you? Rather it is the contract of sale that stipulates everything necessary for the purchaser to do which is being drafted by your own lawyers and the purchasers lawyer verifies the authencity and hidden clauses.

In respect to the deed of assignment, how many purchasers engage lawyers in verifying deed of assignments after it has been drawn by your lawyers? Nairaland is full of stories regarding mortgage properties where the purchaser just paid money after it has been advertised to them without duely going through the documents to verify them and they end up crying foul at the end. If you are telling me that your lawyers are just and fair in drafting the deed of assignment and they tell all the purchasers to get their lawyers to verify the deed before they sign them and place a caveat that the purchaser has waived his right to counsel if he has signed it without any lawyer verifying it, then you are very correct but i doubt if thats the system you practice but it can be improved on.

What if after your lawyer has drafted a boiler plate deed of assignment and it aplies to every subscriber who has paid and when you give it to a lawyer like me and i discover one or 2 clauses that might not be favourable to my client, do you and your lawyers re arrange the deed of assignment to suit that particular subscriber and redraft it all over again? Do you send out a dummy specimen contract to the subscriber's lawyer to vet before signing? What if i find out some clauses are very repugnant to the sale in favour of the purchaser and no concrete re-negotiation takes place, do you refund the money paid to the subscriber fully or you deduct his funds because he has already committed at first and he will be punished for not signing the deed of assignment at all cost?

Such indiscretion would only lead to an expensive lawsuit against your company or individuals involved which is not what you need right now hence these little advises and issues i am bringing up to save the purchaser the headache and anxiety of buying lands that could lead to problems in future.

Finally after your rebutal, i will like you to state expressly in lay man's terms how much it is going to cost including all the hidden fees such as the survey and legal fees (If any) and lets have a grand total of what it will cost so that when the subscriber is coming to your office to investigate or is prepared to subscribe, at least he knows how much it is going to cost.

Cheers!

In the long run you will realise it is a very very worthy investment.

Rental Properties in Nigeria never depreciate in price and will always go up.

Take for instance, your N180,000 per year x 2= N360,000

After the 2 years is up, you raise it to N200,000 x 2 years which is N400,000

and it goes on and on and on. It takes time but it is a life worth investment and after some time you sell the property probably double the price and you have recouped your initial capital plus interest. Its a win win situation with properties!

If your buying property from a traditional family or omonile as they are called, its almost impossible to stop them. But there is a way i do it. After negotiating for the land on your behalf and they tell me their price and we come to a conclusion, we factor the price the omoniles are demanding and add it to the purchase price and commit them to sign as witness to the deed of assignment. That commitment irrevocably places a burden on them and their assignees to leave you alone when you are erecting structures and if you intend to sell that property to another person i future. Usually it could be in another form of agreement called a deed of ratification to be signed and honored by them that they ratified this sale in exchange for so so so amount of Naira and your home and dry.

It s a tough process which requires skill and knowledge of the modus operandi of the omoniles of that community but once it is in a paper form, they are finally hooked and commited. It is a problem that occurs in most communities that are being controled by omoniles and you cant find such in civilized areas.

Cheers!

The reason your lawyer prepares the deed of assignment is because he inserts clauses that protects your interest in future at against the sellers lawyer. What if the plots they sold to your end up being under government acquistion and there is a problem? Who indemnifies you? Who stands as a witness to the transaction? Who verifies that the property exists and how the title has been traced?

Theses are salient issues and moe that your lawyer takes into consideration before drafting a deed of assignment in your favour.

@ Ashington

I have been recieving series of mails from prospective purchasers in respect of your properties for sale and asking me whether it is a good buy and if i should endorse it.

As you are quite aware, i dont sell properties and i will rather leave that business in the hands of experts before i endorse after i have done a thorough search on the property and its documents to acertain its validity but certain information regarding your above posts has come my immediate notice especially from people who are conversant with obadore beach and those that have visited the place with you as a tour guide.

A lot of questions have been raised and i think it is fair for me to voice my own concern and ask you some questions which i would most respectfully hope you oblige and if the answers aren't straigt forward, i will be forced to remove this thread pending further confirmation of its validity.

1. You stated earlier thus:

The land at Obadore Beach we are selling is free from Committed Government Acquisition or Omo Nile stress. It has been published in the Governor's Gazette, which means that once you have purchase your plot(s) of land from us we will issue you with a deed of Assignment which will include details of the purchase and a survey plan of the plot(s) land that has been acquired amongst others. It is with this document (and other forms directly obtained from Lands Bureau @ Alausa) you can apply to the Lagos State Government for the Governor's Consent (Irrevocable title of ownership of a plot(s) of Land = Freehold title) to perfect your title over the piece of land purchased.

1. You said the land has been gazetted and the proof of that property is documented but one of the intending purchasers has raised an alarm that the person who took him there as directed by you one Dr Asiwaju expressly told him that some parts of the lands for sale are documented and some are not documented yet. This is a grave source of worry because it leads to misrepresentation from the facts you potrayed above that it is all documented. How do you know which is which? Besides knowing fully well that that area is being designated as the free trade zone area, most of the lands ought to be under government acquistion. If it is free as you stated, what are the proofs you have to support your claim?

2. Your above quote, states once a purchaser buys the land, he will be issued a survey plan and deed of assignment but what you forgot to add is that you intend to charge them separately for the deed of assignment and survey plan?

This is quite wrong sir and another misleading fact. If you have stated that a separate fee for the survey and deed of assignment will be attached, then the purchaser will have a clearer view of what the total purchase price is.

Also i really dont know whether that place is being developed by a real estate developer or being sold privately for it to be called an estate because certain things ought to be there to give it the look and feel of an estate. Naturally if all the plots there are being owned by one person, it is just sensible enough to have a general survey plan and issue them one probably at a fee or allow them to get their own surveyor themselves to map it out, but you ought to specify that in your post that this is the cost for doing the survey.

Also, it should be noted that the deed of assignment is usually drafted by the purchasers lawyer and not the sellers lawyer. Charging the purchaser for another fee together with the survey plan looks very dodgy to me. What you can validly say you can draft is a contract of sale of the property especially since it has mortgage clauses in it so as to protect both the seller and the buyer and in most situations, that contract of sale price is inserted in the original purchase price but not going all out to charge again for the deed of assignment and the survey plan. In my own opinion that is exhortion as long as it is not a real estate developer selling acres of land and providing certain amenities. But as a private seller, the rules ought to be strictly observed to ensure fairness and uprightness.

Finally the last complaint i heard was pushing the purchaser to obtain regularization for N200,000. Please realise that your just selling a land and since it is direct land, you are just entitled to furnish the purchaser with his purchase reciept, survey plan and sign the deed of assignment presentedto you. The rest is left to the purchaser to choose if he wants to get his C/O leading to the governors consent or not. You are in no position to tell him what price it costs to regularize his documents or make him scared that his papers or documents are not intact. Due to the prevailing complexities of obtaining a C/O now, you could probably incur liabilities for either shortchanging the purchaser to believe it could be done for N200,000 or adding extra liability .

I hope these questions are being answered by tomorrow 5pm Nigerian time so as to make intending purchasers feel at ease. If not, i will be forced to advise purchases to be wary of this transaction and subsequently delete it.

Kindest Regards!

felele:
Is this land in an estate? If it is, it's most likely free of Omo-onile palaver. By estate, I mean a proper estate with a perimeter fence, proper layout and possibly some infrastructure, not just cleared bush.

If you can answer the following questions, I'll post my email address here for more details:

1. What type of title does the land have? Is it a C of O or an excision?

2. If it is an excision, can you post the exact name of the village and the date of the gazette?

3. If it is a C of O, can you make a scanned copy available for verification, or even the C of O number?

4. Does it have a perimeter fence, and is it a planned estate?

5. If so, does it have an Approved Layout, which approval was given by LASPHYDDA?

6. Again, if 4 is a yes, what infrastructure, if any, do you plan to deliver with the estate?


If the answer to question 1 is no, there is no need to answer any further questions. I will not be interested, because I know it will definitely be "omo-onile" land, and I can't deal with that baggage.

While i am not holding forte in whatever way for Mr. Ashington whatso ever, i readily believe that this information you require though valid and extremely necesary will not be given freely due to certain conflicts of interests i am aware of as .

Since i readily believe or assume Mr. Ashington is a thirdparty to the realestate developer in question, he will not readily be in a position to answer all these posers thrown at him. For example, the issue of the gazette will never be made public until a valid search at alausa is done.

Also the C/O you inquire might be a cloned document that other people can download and use for fraudulent purposes which i as a moderator will never allow to be posted because i know the implication of it and the liability nairaland will incur for its negligence in preventing such a mishap.

Also in respect of the excision village, it will be foolish of him to tell the whole world about which village has been excised when at the end of the day it hasnt been fully gazetted or a lawsuit is still pending or worse still a third party agent will immediately cash into the goodwwill and begin to infilterate that place to spoil business.

In short all your requests are private requests that i think can be answered by Mr. Ashington through a bronchure if any or by engaging a lawyer to do a search. It is very easy to paste all these information you require but they could all be false information if you still do not do your own search!

Cheers!

Honestly this is the result of not involving a lawyer in any pre-sale of property issue. Everyday i get mails from people asking what to do in these situations and i continue to shout and scream that no land is free until a lawyer does his investigation before he gives you a go ahead to buy it.

Just the way i would have to engage a professional computer consultant to help me repair my computers or install a software, is the same way you have to engage professionals in landed property. This medicine after death syndrome is getting really annoying for me!

Whats more annoying is that i presume i am a nairaland property lawyer acting on behalf of you purchasers but you guys like to cut corners in respect of minimal legal search fees i charge you, but you do what pleases you and when the wahala starts, you guys start running helter skelter.

FYI, there is no landed property in the lagos or ogun state jurisdiction that should be treated with kids gloves. Most of the mortgage properties for sale especially on nairaland have one k-leg or the other if you dont do a valid search on them and have your lawyer draft a contract of sale with the developers and if they already have a contract of sale prepared down, its the lawyers duty to protect the purchaser and advise you whether you should buy it or not.

Never be fooled by the 10% down payment spread within 12months if you dont do a proper search on the property. That is why you must employ a lawyer to handle your property transaction sale for you because the seller knows that he can't mess with a lawyer and if he dupes everyone with false mortgage plans or documents, he will treat that particular sale done by a lawyer with utmost caution or sincerity because he knows we would figure him out!


As to your problem, ask the agent to take you to see the real estate developers in question and ask for your own contract of sale agreement. If they tell you there is none, then know that you are on your own and at their mercy because you have nothing to show that you investigated the property thoroughly and negotiated the terms of sale and their own responsibilities to you.

Cheers!

These are grave allegations and i need you to Explain further so that we can be of help to sort things out!

Who did you buy the land from? Is it through nairaland you met the agent?

Another person you should inquiry more information from about golden heritage is H$LBroker on nairaland. I think he is the sole marketer of that estate on nairaland.

Definately one of the best property posts i have seen in a long time. I will definately bump this post up to the top.

I know people might be interested in your fantastic offer but in relation to the documents and legal parameters surrounding these lands, you have to convince me it is free from defect before i super endorse it.

I will be watching it with a very very close eye!

Once again, wonderful post and happy land shopping!

battleaxe:
@lawyer
From your response, it almost looks like you need to get a governor's consent even if you have a C of O. I thought that the governor's consent is a document required for subsequent property transactions after a C of O had originally being issued on a land/house. As such, if i get a C of O on a land, develop it and don't sell it, there is no need to get a governor's consent. It will only come into place when i decide to sell and the buyer then has to secure a governor's consent subsequent to my earlier C of O granted. Please correct me if I'm wrong.
In that light then, I would think that a governor's consent would not necessarily always superceed a C of O , or what do you think?

A governors consent is the ultimate legal title you can have to get 100% legal backing for any property and it supercedes the C/O any day and time.

For example if there is a court dispute in respect of a particular land between You and I. If you have the governors consent for that land and i have a C/O of that same land, your governor's consent supercedes any title i have to that land because the governor personally has aceeded to you being the true and rightful owner to that land.

In short a C/O is a prelude to getting the Governors consent but has a much greater value over someone that just bought a land with only a deed of assignment and survey plan in case a dispute crops up with you two in respect of that land.

Even if your property has a governors consent on that land and you decide to sell to me using the governors consent as a veritable bargaining chip to value the worth of your house, if i buy it from you, i will still have to apply for the governors consent in my own name for it to reflect. The only good thing is that i wont have to go through the process of obtaining a certificate of occupancy again since you have already done it before to get the governors consent.

Posted by: moneytalk
Insert Quote
@Lawyer,

Good job keep it up do you have the same informations for Ogun state on how to obtain there C/O or is it the same because most of some area fall into Ogun State and if its the same can some one use Lagos state C/O to stand for Ogun State Property need the information asap.

I am sorry, i dont have the exact quotes for the calculations of the C/O in Ogun but i can always find out and post it here for you. In fact it is a major necessity for me to get it as soon as possible because all these areas Isheri North, Mowe, Ofada, Ibafo, Sagamu Papalanto etc where massive mortagage landed facilities for low income earners and the middle class are springing up needs to be thoroughly explored so these developers dont end up cheating unsuspecting buyers.

I will put that in my diary to work on that.

Thanks once more!

hi babsgun:

In respect to the letter of administration question, i will refrain from answering that question here because that is a probate matter and this is a property forum, so either you get a probate lawyer to help you out or you take it as a private issue with me outside this forum.

In response to your second question, yes there is a pending case between the landlord association and the lagos state government over the development levy matter and naturally, there should be a stay on all actions till the determination of the suit but the lagos state government is coming through the back door to collect the money through its forceful demands and payments for various things i.e taxes, c/o verification, governors consent etc and if you protest, you might not get any of these things done and they could get nasty at Alausa atimes.

The best solution is when the court rules on it and it becomes public then you can do away with it finally but be rest assured that the egg heads at Alausa will find another thing for you to pay. So it is a hopeless situation for now

Hi Astar2008

My email and phone number is listed under my signature.

Cheers!

AjanleKoko:
Okay.
Seeing as I got so many rave reviews (and an unofficial inquest, and many death threats) into my first (or is it second) post on this thread, I shall continue to shamelessly post my fiction,

Today, I got up really late (like past 8 or something) cos I was at a dinner last night at some fancy spinning restaurant wey dem dey call Xalet de Montjuic or something like that. No be naija e dey oo, before una start to find am for google earth

The restaurant na serious underground, like 3 flights down. It's circular, is built on a hill or mountain, overlooks a stunning view of the city which I no go mention im name. The really cool thing about this place be say every hour the floor actually spins 360 degrees. No be lai o.

Not much else to say about the place, cos all that happened yesterday.

So I went to Day 2 of the conference I'm attending, determined to be a bit more serious.
Rather than roaming around like I did on Monday, I actually sit in for some of the sessions, armed with a thick cup of coffee to block any attempts at crashing, cos I kind of snore loudly, and I no wan traumatize these oyinbos. The sessions no too bad sha. We had vendors stroking us about how they have the next great direction for the mobile industry. Obviously oyinbos don finish with 3.xG/HSPxA, and are now talking about 4G/LTE and how they are going to cut all the wires in existence, until no land line exists no more. Like that like that sha, all day, panel discussion after presentation, after panel discussion after presentation, etc, etc,

I thought it was really boring but decided to stick it out. Plus my director dey around, 2 seats away from me. What better motivation, muchachos?

Anyways, by 1730, we were done, and I was on my way back to my hotel. Mackie is beginning to get to me, so I decided to starve tonight. That is, until I notice a chinese joint across the road, na im I go buy wack. Omo, no be every chinese be like Jade Garden for Isaac John o(that na my personal favourite). This one was terrible.

Well, that was pretty much my day, but the bright spot was actually the various rakies wey I dey read from this site. Gave me lotta laughs.

Oops, I don do am again. Let me quickly write the real version of my day


Today started just like any other day at Mile 12. I was slapped awake by the 'under bridge' chairman, kicked the crap out of by the area boys and bus conductors, and planked solidly by the other kayas. Worse, I didn't see more than 2 pepper to carry, so no wackies tonight. God help me oooo,

That one no too flow. make I try the secondary school dropout version,

Today was just like yesterday. As I no get moni to pay my waec, I just siddon for house all day.
I just took a break from pushing mails to all my mugus to send you this.

Omo I give up jare.

Peace.

Your just a very silly child. Look around you! Can you see unserious people posting crap here. Your mingling with the future leaders of this nation and how we go about our daily jobs either good or bad and how we can help each other suceed and your here posting fairy tales slum dog millionaire lifestyles that even Microsoft CEOs dont engage in.

Pls dont derail this thread. Its one of the threads where serious minded people on nairaland with careers discuss important issues devoid of teenage comments that circulates in your romance or jokes threads!

Mr Man govern your self accordingly!

I am a terrible urhobo person to the core. I dont understand a dime of urhobo and i have never lived or visited delta state. My middle name is Akpomedaiye and i dont even know the meaning of it and i hardly use it except my family members scream it loud into my ears. I would love to know a t more about urhobo but then again, where can i start?

@babsgun

d law,
i want you to clearify in your earlier writings, you said the govt can pull down a hse, even wit c of o, u said gov's consent stands better . is it that the consent supercede the c of o.

Yes the governors consent supercedes the C/O anyday anytime. The governors consent gives you a legal right above any other person on the planet while the C/O gives you an equitable right above all other persons excluding the one with a governors consent. The C/O only shows that government is aware that you own the land and your still applying to get the governors consent.

A C/O gives you a mega right above someone that just has a deed of assignment and survey plan.

Government can only pull a land that is under its control regardless of that c/o. Most people buy lands without conducting a search whether the land is free especially within the lekki area and the truth be told, more than half of those places are under government acquisition, so the c/o the person obtained is not valid and will never fly for a governors consent. Most of them are cloned or manufactured C/O's by unscrupulous alausa agents and once they take your money, your left at the mercy of Fashola. That is why i always scream for people to do the property searches before buying such a land.

Today you hear agents advertising cheap lands from N500,000 to N5million within the Lekki Pennisular calling on all and sundry to buy but on a cursory look at the land registry and surveyor general's office, most of them are under government acquistion because of the proposed free trade zone plan and when the constructon and plans from the government are in place, most of these houses will be demolished or forcefully seized by government or the owners will be forced to pay double for the land to escape liability.

It is penny wise pound foolish to just take a land on its face value and price without doing the search. I hear it all the time that people are not ready to spend money for the search and would rather purchase it and face the consequences later. In fact the smart ones end up buying the land for cheap and sell it to the highest bidder when they get information that the land is under government acquisition and the unsuspecting person ends up purchasing a very big problem.

In fact if you go to alausa, they will tell you that you should do a proper search for that c/o before you even obtain the certified true copy because there are so many fake C/o's parading around. That search could either save you millions and headache than for you to be carried away with just a beautiful price tag and opportunity to mix in lekki.

Bottom line Buyers Beware (CAVEAT EMPTOR)

2, what are the procedure and calculation of getting letter of admin.

Letter of admin? I have no idea about getting a letter of admin. What is it for? please enlighten me or clarify issues!

3, i dont know if you are aware of the dev. levy charges, the lekki issue.the outcome of the court case (i thinks last 2yrs or so), the landlords vs the govt.
expecting to hear frm u soon. thanks

Yes i am very aware of the court cases within the lekki Pennisular and the ones govt is going to take over and the ones government has granted excision rights to and the ones governemt plans to resettle. So what do you want to know?

Posted by: battleaxe

@ lawyer

Correct me if i'm wrong but i was of the opinion that the assessment figure is not part of the payments made. It is usually just an assessment with which to calculate the stamp duty, registration fees etc. ( In this Ikotun example, the 240k isn't part of the fees paid?)

Also, could you please explain the process for ratification on government land?

Your right the assesment fees are just a reflection of where the area is and how they calculate it and not for the whole amount to be spent.

From the little illustration concerning the figures, you can see the dummy example on how to calculate the c/o fees. Its is usually 2% of or 3% of etc of the total price within that area.

Also your question regarding ratification is a big issue which you must understand very well. When the time is ripe, i will post a full article on it but it deals mostly with the issue of omoniles and it is a big problem for the purchaser.


Cheers!

A girl from OSU (Ola bisi Onabanjo University) won Miss Virginity

That is a bloody lie!

OSU KE? The capital of Fornication in all Naija University Schools?

Please

Maybe they meant she was from Oklahoma State University (OSU) definately not our home grown OSU

Okija_juju:
If Adam did not eat that fruit, this is what would have happened;

1. Man would still be walking around butt naked in the bushes today like the folks in Papau New Guinea.
2. Man would not have had things like cars, electricity, airplanes, designer clothes, sunglasses, e.t.c.
3. God would have prolly grown tired on Man and created a higher specie than us who would have eaten the fruit and locked us (man) in a zoo.
4. Jesus would have been so bored in heaven that he would have come to die not for our sins this time, but for our righteousness.
5. "Pastor" would not have been an occupation.
6. We would still be herbivores
7. Eve would have been the smarter being hence making it "a womans world."
8. Man would have died of hypothermia from cold or Heat stroke from the sun.


_{I really dont know, I'm just saying, thats all. . . .}

Haaaaaaaaaaaaaaaaa! Your such a funny guy!

Funny enough, you might have a point though!

lol

So you want to purchase that land or property and its within your budget but you are afraid of dealing with the agents, property developers, mortgagors or omoniles in respect of getting:

1. A  good deal financially within the budget?

2. Whether the land or property is free from government wahala or omonile wahala?

3. Whether the documents presented to you such as the survey plan or deed of assignment or better still the C/o are fake or government certified?

4. Whether the omoniles will still disturb you after you pay and you want to start building?

Well your problems are solved because i will handle it for you 100%. From Alausa down to the final signature transferring property to you. All you need to do is sit down, pick the land or property of your choice after negotiating with the agent or, probably visit it yourself to ascertain its location and desirability and leave the rest for me.

Things i will do immediately for you include:

1. If the documents are not corresponding with those in Alausa or the law, i will advise you promptly to abandon it.

2. If the property is Over Priced, i will either re-negotiate it to a reasonable standard Industry price or advise you to look else where. (Land boku for Lagos & Ogun)

3. If the omonile’s are being too worrisome, i will either handle them accordingly or advise you to abandon it.

4. I will track the current owners to heaven to ascertain who truely owns the property and whether they have the capacity and legal right to sell.

In short i will help you purchase your property with ease and most especially stand 100% against any legal wahala that might arise in future either from an adverse claimant who wants to claim possession against your property and lay claim to it or any corresponding document showing otherwise.

If the property has even the slightest defect whatsoever after doing a search, i will abandon the whole thing and you don’t have to pay a dime to me because case closed. You move on.

Generally these are the ways i conduct my Searches and Research on any Property before i give you a go ahead to pay:

FOR LAND AND PROPERTIES

1. Personal Investigation and Inspection of the Land or Property Physically and Value its worth. (Free)

2. Engage in Price Negotiations and Agency Commission Negotiations (Free)

3. Search the land Registry to see if any of the documents correlate e.g the C/o (Pay the required government Search fees)

4. Search the Courts to see if there is any outstanding litigation or Injunction on that property (Pay the required Court fees)

5. Obtain Certified True copies of the Documents From Alausa to show whether it truely exists or not ( Pay the required Certified true copies fees stamped and delievered)

6. Search at the Surveyor General's Office for the red copy of the Survey plan if it actually exists there (Pay the fees for charting and search)

7. Check at Alausa / Surveyor Generals office whether the property is under government acquisition or not and pay for charting fees

8. Vetting of the Contract of sale (This Contract for sale is an agreement stating that the buyer is interested in the property pending the final result of the investigations of the Property and i will go through it line by line to know whether it favours you or not) 

9. Meeting the Traditional Family (OMO NILE) to determine the history of the property, Knowing the requisite community Development fees and drafting a ratification agreement i necessary. (free but the omoniles are usually settled to make you enjoy that place quietly)

10. Drafting the deed of assignment and stamping it for assessment (Negotiable)


FOR MORTGAGES ( MOWE/IBAFO/ OFADA/LEKKI):


1.Getting the information from the Real Estate Developers Directly whether the Traditional Family that sold the lands to them is free from defect or encumberance

2. Getting the information from the Real Estate Developer whether the land has a Global C/O and if not, what documents do they have to show that there is a pending application before the Land Registry that they intend to get a Global C/O 

3. Investigate whether the land is free from Government Acquisition or not and whether it has been gazetted or not.

4. Obtain information about the amenities Promised such as water, borehole, roads, security and light and any other aforesaid promises made

5. Check whether your mortgage payment would be steady or not and if there are plans to increase your mortgage payment along the way.

6. Check the sale of Contract Form and see if it corresponds with what they have preached and marketed to you and vet the deed of assignment and survey plan before you sign.

All jobs and searches will be done before a fee is paid except  Statutory fees that should be paid to the government or omonile’s in advance! In short i get paid after a job is done stage by stage and not before.

So relax, liaise and negotiate with your favourite agent and when your done, give me a shout out to take it up from there!

Final warning: Never ever Rush a property sale even though the Agents are on your neck. Its your life and children’s life your toying with if not done properly and patiently!

If you have any questions, comments or queries you can mail me at barrister_matto@yahoo.com or call 08077943514 or 07036681104

Cheers!

Go to Law school first. Save your money and after NYSC, You will be well schooled about the Naija Environment.

As a foreign law grad, you will be required to spend approximatly 18 months in law school before you graduate and the new rule i think is that you can only be admitted to do your NYSC in naija as a law graduate through the permission of the law school (Maybe it has changed)

So face your law ambitions and save your money and by the time your done, your £10,000 ought to have increased to an extent and you will know what you intend to invest in.

Dont be in a rush! Law School and Business are a very very bad mix!

@james

While i consider you to be one of the respectable members of nairaland properties, one of your arguments seems flawed:

A classical case;i have the latest sony camera that video's and can do wonderful things,it is a ten mega-pixel camera.i have taken pictures and you guys will do well to remember my promise that no Estuary sales will come without pictures.
When i try uploading the pictures to the nairaland property page,know what i get greeted with?file size too large.i then minimized the pics,same story.after trying for some time i decided to consult a guy who is regarded as a genius in this things;because of my explanation on phone he brought along his team.no joke.they did all they know and concocted some,same stories.they even proceeded to uploading the minimized pictures at a snail pace of one after the other,no way.what they said finally?Seun have to do something"cos"according to them the fault is not mine and theirs. i, who is not a novice clearly knew that.that it is from Seun's headquarters.
Let's assume i got it all wrong una wey sabi make una borrow me sense cos Seun and him page wey don go crazy nearly give me heart attack!
How come i sent these same pictures from my box to many persons,and they went?

If you say posting pictures on Nl is difficult and its due to seun's fault for not making it easy to post pictures due to the software used to create the site, then it is almost analogous to the argument that those in the auto section have a long standing rule for you to paste pictures of cars before you sell them on Nl.

How come it is easy for the auto dealers and almost near impossible for property agents despite the fact that you both use the same website and its applications?

Its much deeper than that and i know it is because of the third party agent thingy going on amongst all agents but it never hurts to try.

In fact a major clean up of the property section would soon come up and stringent rules will be applied because my job is to protect the interest of the purchaser more since they would probably be the ones at the recieving end if a deal goes bad.

So if they are clamouring for pictures, then the burden of proof lies in the hands of the agents to give a valid and sensible reason not to enforce that rule in the nearest future and the nearest future could be next week!

Cheers!

Quote from: lawyer on Yesterday at 06:03:31 PM
Which commitee wants to toast me to tap my brain, lol!


LOL. Sorry to dissappoint you but this is not about that at all. This is a selfless service, the rewards would be hopefully seeing a better Nigeria and being involved in the work and fight towards progress. Hence, if you are only considering joining for "toasting" or kola nut or "peppersuyaing" then maybe you might like to reconsider. If you are in it to join hands and get proactive in moving the nation forward then we could use your contribution.

ehen!

Despite all my underground work for una abi? Na the yab i get be this abi?

Ok!

Bhola over to you! Me i don wash my hand comot!

Which commitee wants to toast me to tap my brain, lol!

Make i no even talk about my day today

I know say na yab una go yab me finish but i go try

I had a meeting with a client and as soon as he came, he said he cannot talk until we go for dinner, we went to one joint and thats how drinking galore started about 2pm till 5 pm discussing everything imaginable and i think i got the better of him by winning the deal after all but at the expense of 4 bottles of harp.

Am back in the office and i dont even know what i am even typing and so stumped and high right now, all b'cos of kudi, lol

I hope i get home safely today because i can feel my eyes going into lala mode now!

Court registry is the only sanctioned form of marriage that the Country recognizes. The other ones are customary/Traditional weddings and you will be subject to customary law adjudication incase of any dispute between you 2 but a religious wedding is only ceremon an extent and places a lot of burden on you trying to prove certain things and obtain certain advantages.

So my advise is head to the registry, finalise it and if you have problems about the lifestyle and mode the marriage should take shape in, then you get a pre-nuptial agreement to clarify issues and not to scare or intimidate the other spouse.

Cheers!