₦airaland Forum

Never ever borrowed money and give details to non regulated financial institutions

syntekelite:
Most likely someone working with those apps that borrow people money.. op shld tell us if he has borrowed money from one b4.majority of them are scammers who launder money for whoever..

wow, how did you get this info?

Credobee:
The name on the sim card is
JOSHUA OMOJA

Sharp guy, u don get free content for your blog like this so..

MATEX30:
So many strategic ways Fraudsters operate these days, let's be careful faa

https://sportafriq.com/bvn-fraud-how-a-fraudster-try-to-hack-into-my-bank-account/

Never applied for a loan ever.

Depressed101:
to answer your question. You might have probably submitted those information unsuspectingly to all those loan forms shared on whatsapp..

My brother, I have no idea. I am assuming he was opening or had opened another quickteller account for me

addexx:
How did you get quickteller otp if you gave wrong info

Now this is scaring, how does one know if such has happened to you then?

jake247:
Getting bvn is not a big deal, I have more than 1m bvn db with date of birth and phone number,, but thanks God i dont play local, that one na old format, , you can use some one bvn and get a loan from loans app, and it will process successful after some basic configuration. ,, you can even open an account with person bvn and collect fraud money, all na foamat nah.

I still don't get it. I don't do all these loans stuff, I non de bet... My BVN is almost always submitted to only financial institutions.

Indispensable85:
I play with them all the time. I've not received any calls from them for a long time now. I usually enjoy the conversation. I remember the last one having collected from me all the fake details I gave him, asked me how much was in the account and I told him I had 3million in it as it was just one of my numerous account. The guy screamed with joy and told me thank you, thinking he has met a mugu. Minutes later he call to complain that his system is showing error. I told him to continue to try it that it may have been network problem. He called back again and said are you sure the information you gave me were correct, I started laughing and he said you're a bad guy. He was laughing on the other side of the phone and dropped the call.

How these guys get some vital information of customers is what I still can't fathom.

I have thought of this also and cannot understand how, I have already sent a message to interswitch, operators of quickteller to see if the guy can be tracked, because if he was trying to pay it to another account then the name should be possible to track.
I just checked my quickteller account and it does not show up in the history or as a pending transaction. My guess is that he opened a quick teller account and used my number. That is what I can get my head around
I know that the first digits are able to tell you if it is a mastercard or Visa, but to know the exact bank was a new one for me.

angelfallz:
I also wondered how he got a quickteller notification if the info he was giving out was fake.

chatinent:
I am wondering how you got a Quickteller OTP if all you gave him were fake.

Ok ok, let's assume he processed it using your BVN.


Very easy.
It could be gotten via a phished site...or some bank officials sold it out. A liaison with a fraudulent banker can empty your accounts. Many fraudsters work with bankers. Not new.


Let me simplify this for you.

If you use online payments regularly, only entering your first four letters could tell if it's Visa, Mastercard, etc...

Using USSD too could unveil a bank name, and holder's name. (I am sure you know that).

On Bank Apps too, it is easy.

There is an app too that does that. It is in dark web and we shouldn't talk about it.




You have to be careful sha.

But that's an old format.

New fraudsters tweak your Quick Teller account that it sends you a mail. When you log in, an OTP is sent to you that you wouldn't even suspect it is from another user since you are also responding to the mails...and boom...your account balance is gone.

Some pro hackers who work will fraudsters also do hack into your balance directly, and shift logs to another vulnerable person! But it is rare to find these sorts! Why? Poor fraudsters cannot avoid them. Lol.

How do I know all these?

I was a darkweb geek during the days of Wapka.


Moving forward...

• you may need to use a two-way authentication on your accounts! It is very important. Both on your social media and Google accounts.

• Always view the links you click. I see many shared messages on WhatsApp ending with YouthEmpowerment using a URL Shortener urging people to share to their friends for a prize. Lol. Big scam.

• whenever a link claiming to represent sth sends a message, search on Google. It should have a Wikipedia page, go there and view their website link. If it is not the same, it is fraud.

• in Nigeria, only recognised education websites use the .edu.ng and government sites use the .gov.ng . If a site claiming to be of the government says otherwise, it's scam.

• if you ever get confused about a message being scam or not, just post it here on Nairaland and tag me, I will answer.

• be careful of apps you download away from Google Play or Appstore, some can steal your details. Download only recognised official apps on those stores. Not all apps are genuine there tho. Always read reviews (read the critical reviews.. because their team members must always join in posting positive reviews).

You are welcome.

Why is scam so prevalent in the country? This is my own experience

https://www.nairaland.com/6779196/bvn-fraud-encounter-fraudsters

No sir. I think this issue is beyond nairaland, some people have this scam as their full time job, Monday to Friday, 8am to 4pm.

XiaoLi:
Have you shared your personal information any where on NL or is your phone number on your NL account? Becareful, that call may be from lazyyut . He is also a well known scammer, that is the reason he will keep digging on people's profile or trying to attack you so that you will be forced to reveal your personal information.

Like my experience with BVN fraudsters this morning
https://www.nairaland.com/6779196/bvn-fraud-encounter-fraudsters

emmanuelewumi:
Experience is the best teacher, let us have the experience in order to become more informed and knowledgeable

I doubt he got the detail from the bank, if he did, he would know at least one bank I use rather than trying to get that info from me.

ahnie:
Op I think they liase with people working at the bank.

Today, the 30th of September, 2021.

I saw a missed call on my phone from 08145677895, not sure who it was, I decided to call back. When I called, the person at the other end asked who it was, and I replied that I got a missed call from the number and was calling back. He requested to know what my number ends with, and I told him, after which he called out my full name which I confirmed to be correct and he said he would call me back.

He called back and said he was calling from BVN centre, I just knew the fraud masters were at work, but usually I always play along. So, I was very polite as he was.

He called out my BVN, it was correct, he called out my full name. He then said that the date of birth on my BVN was conflicting with that on my account and that he was calling to rectify it. He called out two numbers, one of them was correct and the other was wrong by one year, he asked which one was the correct one. I choose the wrong one to be the correct one. He said, ok he will effect the change.

He then asked what banks do I have accounts so that he can also make the changes there, I told him I had many accounts, he wanted to know which one I used presently, I then proceeded to give him 3 random banks that I do not have accounts with.

He further went ahead to tell me that as of now, all my accounts have been blocked which is why he wants to help me correct the error. I told him, I was grateful. He said he had done that but I need to activate my ATM. He then asked if I had my ATM card was with me, I said no, just one with me.

He said I should read out the expiring date, I gave him a random figure. He called it out for me to confirm, which I did. He then asked me to also read out the activation serial number just above the expiring date (that is the main ATM number), I was like this one don see mugu this morning. I just took out one of my expired ATM card and read out the number to him.

He then said there is another 3 digit activation number at the back of the card, I gave him a random number for that one. He then said the system has generated a new ATM pin for me which I should now be using when I go to the ATM machine. The new number was 8191, I told him okay, I like the number.
He went further to say, but if I want him to configure it to be the old number I can let him know so that he can change it (he wanted me to tell him my pin), I told him this one was fine. He devise another excuse to ask for the number, I decided to give him another random number. He repeated it many times for me to confirm, I have a good memory, each time the number was consistent.

Here was the final part, he said I would get an activation number in a few minutes that I should read it out to him. Not long after, I got a Quickteller activation number which I was supposed to read out to him. I read out the number but changed one digit. He once again repeated the number for me to confirm, on all occasions, I confirmed the number, I could imagine him smiling at the other end hoping to make whatever transfer he wanted to do, when the thing failed, he asked me to read it out again, I did but it was giving me same error.

I told him the bank of the ATM I read to him was Standard Chartered even though the ATM card was an old sterling bank account that had expired, but somehow he asked how come the bank was showing sterling bank, I just told him it was sterling. After the failed transaction, the guy ended the call. I assume he will be busy trying to see what he can do with all the fake info I gave him.

The whole call lasted 9 mins 27 secs
A few questions though,
1. HOw on earth did they get my BVN and know my full details including date of birth?
2. How did he know that the ATM card was from Sterling and not Standard chartered as I told him it was?

Anyone, this is the fraudsters number 08145677895

Thanks will check it out.

netotse:
You can start here

who can refer me to a starter guide for emoncms? The hardware required, integration with home assistant on raspberry pi etc

Is Union Bank not the elephant bank that start in 190x? That bank is one of our national heritage, how can one baby bank like access swallow a supposedly big bank like Union, na wa someone should salvage the bank abeg.

Mpeace:
I am suspecting Union bank purchase. Recall the major investor in Union bank had expressed an interest to divest, and Access bank happened to be one of those thought to have made an interest in taking over Union bank. Zenith bank was also named.
In any case, its normal and common for companies including banks to takeup and repay Eurobonds although they do often name their reason for such. Access did not name what they intend doing with theirs.

This particular issue is something I struggle to accept.
My own perking order would have been South, North, East and reluctantly West.
But as many people here seem to have good things to say about WEST, "ayam" getting confused.
The only west panel I have is a 5W for DC lighting

GeorgeD1:
i see a lot has been said already on this.
1) the two arrays will charge your battery bank simultaneously. there's absolutely nothing wrong in installing your panels
facing west as long as they're not the only set of panels you have.
personally, i have west facing panels and to my surprise they seem to outperform my south facing panels which is still a
phenomenon i'm trying to understand till date.
2) you don't have to worry about one array going to sleep or whatever. your cc takes care of that
3) i'm not a fan of balancers (never installed one) and i rather think they're overrated. if you do your basic wiring properly
you won't need one as your batteries will always be in sync.

FFK said worse things than this, but where is he now?
Make una go siddon.

China would wish they have this our kind of exchange rate.

Okay, roof type plays a role.

alstacs:
... And it is overhead from about 11 to 12. If your roof isn't steep to the west, you will enjoy nature from from about 10/11 till sunset

Does the roof type play a role here?

mcTrinity:
This is soooo wrongly wrong boss... The wrongness of this statement cannot be overemphasized!!! Lolzzz
On a lighter note...

For 4 years plus, my PV Array setup is split into two: East and West. Even with fridge, TV, fan ON, battery can still float around 6:10pm, depending on sun intensity of course. You can NEVER have that with South or North Orientation, irrespective of sun intensity

That Sunset charging is usually very advantageous...

I mostly split Arrays for clients into South and West; or East and West... Other times, I just allow everything on the south. But if I must split, West MUST be a consideration. In fact, I split because of that West Orientation; that sunset charging helps the battery a long way through the night. Only few times have I used South and North due to constraints

So, if you're going for single PV Array stream on one Orientation, definitely South is priority... If you're splitting, West Orientation is inevitable; i.e South & West.
Cheers

Edit: I see Oshomo12 and Dam5reey already reacted to that... Cheers

West Where the sun finally sets towards evening?

Oshomo12:
This is very wrong! Any time from 11am till 6pm, west is a very sweet spot to install panels. Give it a trial, u will SEE.

This sounds like a good domain name. I doubt it will be available

BounceHQ:
Hi guys, feels good to join the domain convo here. How is domaining going. BounceHQ in the building.

Personally I like segmentation that do not have a single point of failure. So your picture 2 is similar to what I have, one in use during the day, the other at night. Similar to someone having 2 generators.
What's the watt meter for? DC or AC loads?
The charge controller already has a meter if what you are trying to measure is the power generated.

isangjohnson:
[quote author=ojesymsym
Thanks for your advice.

Are those diagrams in order and which setup from the two is the best for southern weather?

In diagram one, could the two pv arrays charge the battery bank simultaneously?

Is HA02 installation really necessary for tubular batteries?

Where could MNDC115 or 300 be installed in that diagram?

If you must try this model, you should be thinking of North and South, West does not even come into the equation at all at any time of the year.
It is better not to install solar at all than to have your panels facing West

isangjohnson:
NB: Batteries are tubular.

Pv Array 1 will face south while Pv Array 2 will face west in diagram one and two.

The second diagram are to be installed separately.

In the first diagram, I intend to connect the output of the two CCs in parallel to the battery bank to work in sync.

QUESTION: 1. In the first diagram, can Pv Array1 and 2 charge the battery bank simultaneously?
2. At what point will I allow one array to sleep?
3. Is installation of HA02 really necessary since monthly equalisation of these tubular batteries are mandatory?

Your advice is highly appreciated all

How does this work?

otomatic:
I got my vgif redemption the same day. I applied in the morning at about past 9am and got the alert 10pm in the evening of same day. And, it was a substantial amount cos we needed to purchase a student hostel.
I have actually sent several referrals their way.
My boss, who I referred, also had a same day redemption when he needed money for a commodity storage transaction .

All those hailing this very good initiative because they want to spite the North will be the first to cry in due time when the real implementation starts.

A quick glance shows that when clearing agents clear goods, VAT will be charged by Lagos. What sounds interesting is that after clearing those goods, VAT may also eventually be charged at the destination location of the goods.

Interesting times ahead really. I think this is a watershed moment in our nation's history, and Wike will be remembered for leading the revolution.

Be weary of adding a permanent extra charger to your battery without planning for it properly, otherwise you can kill your battery especially when the different chargers are not talking to each other and working independently.

MontyNG:
Oh nice. OK. So for example, the hybrid is 100A but you have enough panels to supply say 130A.
Am I right?

Could another potential solution be that you add a parallel hybrid Inverter (if it has that feature)

lol.... oga wertin happen to sheraton?

wanaj0:
Since you already know the strategy, just collect the money and manage it for me with guaranteed return.

For the period of the agreement, you will be lodged at Bonny camp so that there will be no distraction.

Rugged inverter. I have this as a spare inverter and it is even presently being used as a stabilizer so as not to stay idle.

contactmusa:
Used Inverter for sale

2KVA /12V

Price 50k ( negotiable)

Na real fatigue... where did you find this quote?

Donbrig:
"Those who wants to reap the benefit of this great nation must bear the[b] fatigue [/b]of supporting it"

Sometimes I wonder if one cannot start a side business by staking some money to import from AMD with the hope that those who do not want to tie their money may be willing to pay an extra 200k (depending on car type) to the middle man when the car finally arrives.
Just thinking aloud.

Ibk2020:
I will gladly pay if the owner is no more interested