Business › Re: Class Action Suit Against Gtbank For Misleading 199/$ Card Charges by papy4real: 6:46am On Mar 01, 2016 |
mployer: Well, I sympathize with you guys because most of you probably bought things you didn't really need that much, all because of the low rate. But I like being realistic, I stay with what works, not what I FEEL should work.
Saying you called GT customer care can't take you anywhere since GT didn't send you any mail with regard to the new rate you are talking about. If you are close to bankers you will understand that financial transactions are not authorized by oral instruction. You can tell your subordinate to do a transaction and he will decline requesting a mail to that effect. So, if you have a recent mail from GT stating the new rate, we can start from there.
Again, if the rate is 299, there is no rule that says you must be debited 299 at once. They can choose to debit you 199 first then 100 later. You only have a case against inconvenience of the system not legality of the system.
Lets not get too emotional about this and start throwing insults. I am just trying to make Ben Bruce #commonsense. The statement you made in bolded isn't common sense bro. FYI, no bank mails their customers of their new rates...this rates change everyday at their discretion and customer aren't aware or notified till a transaction is carried out. Gtb rate for today may not even be 299(probably higher or less) and daily mails are NOT sent to this effect. I can see then faulty nigerian system has eaten so deep into you because saying a bank can choose to debit N199 and N100 for the same transaction is totally wrong which is due to our Non-strict regulated Nigerian banking practice and definitely not the standard banking practice...a debit is carried out ONCE per transaction apart from other minor charges(if they apply). Now i know why this banks feel so comfortable to deduct different unrelated monthly charges from customers account on a regular because people like you worship them so much and see it as normal. |
Business › Re: Class Action Suit Against Gtbank For Misleading 199/$ Card Charges by papy4real: 5:09am On Mar 01, 2016 |
Phony200: The funds you were debited initially came from your account. Are you telling me that if your card was not restricted to a daily/monthly limit, you would have gone on to spend $10,000 just because the rate was showing ₦199? The ATM withdrawal comparison is the same. If you have ₦5,000 in your account and go ahead to withdraw ₦5000 and you notice your balance is still ₦5,000, then you try another 5k and it goes, then 20k and it goes through again, will you complain when you find your account in -₦30,000 when the error is rectified?
Say you go to your neighbourhood grocery store and got charged lower than your purchase amount on Monday, and then you go back on tuesday and try to check out and you notice you were debited the total of Tuesday's shopping and the difference from the computer error on Monday, would you think you have grounds for a fraud argument because according to you, since they had a maintenance issue, they have to bear the loss and you have to bear the "miraculous provision offering"? No Ma'am, I disagree.
The analogy is sound. Denial is futile. @Phony200. Read your posts and i think you work for GTB with the way you're defending them. This whole issue is common sense trust me and this clearly shows part of the reason why Nigeria cannot progress because we are our own problems. I know of an ecommerce site that had technical issues that allowed customers pay zero shipping fee online at checkout over a period of 3 days...this company and the team that made the mistake had to bear the cost because it was no fault of the customers. This is a clear example of taking RESPONSIBILITY of your mistakes. When you're a business dealing with active customers who makes use of your service(s) 24/7, you just have to be careful, pay full attention to detail and create no room for mistakes because it can cost you losses which is exactly what happened to GTB over the weekend. Why didn't they block cards instantly when they discovered the error?? And guess what? They decided to take it all on their customers because they simply feel they can do as they like without being questioned which i'm sure they can't do in the UK or any other sensible Western country. You talked about customer shopping when they knew the normal FX rate. The questions are: 1. ARE FX rates the same across all banks? Ans: NO 2. DO GTB send daily mails informing customers of their FX rates? Ans: NO 3. Did they send a mail when the anomaly was discovered informing customers to shop at their own risk? Ans: NO 4. Did CBN give banks the liberty to set their own rates and can banks set their FX at any price(199-less than black market price) Ans: YES 5. Could the weekend rate have been a deliberate attempt to attract more card user, make them spend more than usual and then charge them the usual GTB rate afterwards knowing fully well that customers would just rant and keep shut later? Ans: YES Banks simply set the rate as they want which varies daily. Therefore, don't blame customers that shopped or withdrew money within that period cos it is non of the customers business. N.B: I don't even have a GTB account but the truth just needs to be told. Its high time Nigerians show this guys that they can't keep treating us like illiterates. BE ELIGHTENED |
Travel › Re: General Australian student Visa Enquiries Part 2 by papy4real: 8:11am On Feb 19, 2016 |
okpas12: My General Skilled Migration Golden E-mail (Grant) just landed this morning for me, my wife and 2 kids.
IELTS - 7th February 2015 TRA Applied: 17th June 2015 TRA +ve: 26th August 2015 EOI: 60 Points Invite: 5th November 2015 Visa Lodge: 1st December 2015 Medicals: Finalised Status- 15th December CO Allocation(Adelaide): 15th December (asked for OPV Certificate) OPV Submitted -- 17th December Grant: 19th February 2016
Thanks to God Almighty for making this dream a reality and a very big thank you to my brother and friend @Scrollmeout and @Bellong for your support and others whose wealth of experience made the whole process a flawless one. Wishing you all a "Grant filled" month. Big Congrats bro |
Autos › Re: SOLD!!! Clean 2007 Honda Accord @ 800,000.00 (Price Reduced) by papy4real(op): 1:27pm On Feb 15, 2016 |
. |
Autos › Re: SOLD!!! Clean 2007 Honda Accord @ 800,000.00 (Price Reduced) by papy4real(op): 4:25pm On Feb 12, 2016 |
AdemolaA2: Is this still available and can it go for 700k? Any issue with the car ? No issues bro...call me lets discuss |
Autos › Re: SOLD!!! Clean 2007 Honda Accord @ 800,000.00 (Price Reduced) by papy4real(op): 5:43pm On Feb 11, 2016 |
|
Autos › Re: SOLD!!! Clean 2007 Honda Accord @ 800,000.00 (Price Reduced) by papy4real(op): 6:51pm On Feb 10, 2016 |
... |
Autos › Re: SOLD!!! Clean 2007 Honda Accord @ 800,000.00 (Price Reduced) by papy4real(op): 10:35am On Feb 10, 2016 |
. |
Autos › Re: SOLD!!! Clean 2007 Honda Accord @ 800,000.00 (Price Reduced) by papy4real(op): 5:22pm On Feb 09, 2016 |
Still available...price reduced |
Autos › Re: SOLD!!! Clean 2007 Honda Accord @ 800,000.00 (Price Reduced) by papy4real(op): 2:21pm On Feb 09, 2016 |
. |
Autos › Re: SOLD!!! Clean 2007 Honda Accord @ 800,000.00 (Price Reduced) by papy4real(op): 6:14pm On Feb 08, 2016 |
femmalyne: what is situation of d car n can 700k fly d car Good offer but i'm sorry it can't fly for that amount. You can call me if you are ready add more change  |
Autos › Re: SOLD!!! Clean 2007 Honda Accord @ 800,000.00 (Price Reduced) by papy4real(op): 7:10pm On Feb 07, 2016 |
Must go this week...keep the offers coming  |
Travel › Re: General Australian student Visa Enquiries Part 2 by papy4real: 7:04pm On Feb 07, 2016 |
bellong: Your age is on the border, if you cross it before being invited, it will reduce to 25points.
Your first step now is to get your assessment done with ACS. Once you get a positive assessment, proceed to fill an expression of interest on Border Force's website and wait till you are invited to apply for PR
That is all you need. No other procedure needed. Get through ACS first, then you are you about 70% done. |
Autos › Re: SOLD!!! Clean 2007 Honda Accord @ 800,000.00 (Price Reduced) by papy4real(op): 9:26am On Feb 07, 2016 |
. |
Autos › Re: SOLD!!! Clean 2007 Honda Accord @ 800,000.00 (Price Reduced) by papy4real(op): 9:58pm On Feb 06, 2016*. Modified: 9:26am On Feb 07, 2016 |
Elbreezy: Can this baby fly for 800k Call my number in the post above...lets discuss |
Autos › Re: SOLD!!! Clean 2007 Honda Accord @ 800,000.00 (Price Reduced) by papy4real(op): 8:58pm On Feb 06, 2016 |
More pics
|
Autos › SOLD!!! Clean 2007 Honda Accord @ 800,000.00 (Price Reduced) by papy4real(op): 8:49pm On Feb 06, 2016*. Modified: 4:34am On Feb 23, 2016 |
Clean Registered Honda Accord DC 07
Year of Production - 2007
Engine - 4 Plugs
Fuel - Petrol
Air Conditioner - Factory Fitted (Ice cold)
Audio - CD/AM/FM
All Airbags - Intact
Steering - Power
Interior - Gray Leather
Gear Transmission - Automatic
Rim - Alloy
Price - N800,000.00
Location: Lagos
Call 08172630592
|
Technology Market › Mini Sewing Machine @ The Cheapest Price by papy4real(op): 10:26am On Oct 14, 2015 |
|
Jobs/Vacancies › Re: Who Has Any Idea About Jumia Recruitment!! by papy4real: 6:43pm On Jan 26, 2015 |
|
Jobs/Vacancies › Re: Who Has Any Idea About Jumia Recruitment!! by papy4real: 5:26pm On Jan 26, 2015 |
adewumiopeyemi: it bdepend on quallificarion am a bsc graduate and i wpork in jumia in sales and inventory department......are u nt a graduate Hi bro, how can you help me to apply. I also work in an eCommerce firm and would want to switch to Jumia. Which departments are recruiting and how can i go about it? |
Jobs/Vacancies › Re: Huawei Graduate Trainee Recruitment 2014 by papy4real: 12:52am On Jun 30, 2014 |
@nmezi1 I applied sometime around April and i don't have any certification...just applied and already put my mind off it till i got the test invite. Their recruitment process is definitely not transparent cos i know some peeps that got in and started working even without writing any test or going through any serious interview process. |
Jobs/Vacancies › Re: Huawei Graduate Trainee Recruitment 2014 by papy4real: 9:44pm On Jun 28, 2014 |
Also got the test invite holding next Saturday (July 5th)...Pls can you shed more light on the test structure and kinda materials to practice with. Thanks |
Travel › Re: German Embassy And Visa by papy4real: 8:16pm On Jan 02, 2014 |
emeka55: I certified all my documents at ikeja high court. I have a customer there who just takes them to notary public and certifies them for me. It could cost up to 1000 naira. If u are applying through uni-assist, u don't have to keep certifying documents. Just certify the first set and send them (ur certificates and transcript) and even if u want to apply to 100 schools thru them, u don't have to certify anything again since they already have ur documents in their archive. All u need to send is the school's application form and motivation letter. Nipost collected abt 300-800 naira for each school package and took abt 2 weeks to deliver my documents. When u track it online, it may be saying "item in bag" don't mind dem, e fit don reach since. Thanks bro |
Travel › Re: German Embassy And Visa by papy4real: 7:33pm On Jan 02, 2014 |
emeka55: Make una no vex biko, it's just my nature to keep things till I accomplish them. Even my family never know say I don get the visa. My interview experience was good. The fair igbo man at the gate almost spoilt my day as he was nagging. Finally I entered and went straight to reception. The dark lady there was helpful as she showed me how to properly arrange my documents even though she almost lost patience. I already met the old lady at the reception while I was talking to the receptionist. Immediately the old lady saw me again, she just started shouting for no reason and I noticed she wanted to smile but she was forming strict. The interview questions were the usual: Why I chose Germany why I chose my course If my course can be studied in Nigeria What I know about Germany and my school What I intend to do after studying If I made any attempt to learn german, (I said no) Why I don't have my birth certificate: (I told her I couldn't find it and I was born before NPC was established so I couldn't have provided NPC and that was why I came with an Age Declaration) Then means of finance...etc....
Abeg I don tire to type. After everything, I told her "Have a nice day" she said "I don't need ur prayer omo naija". Just have ur documents complete and make the right photocopies before u get there. Also arrange them properly in 3 sets. When u are asked a question, be sure of what u say and don't miss words. Don't give 2 different answers to a question. Even if u are not sure of the question asked, just say something reasonable cos even the V.O sef may not know the right answer. If u keep quiet or bite ur tongue she'll know u are saying rubbish. Also pls and pls, if u don't have eye problem, don't wear glass. Don't make them question ur identity and make sure u convince them u will return after ur studies. I got my visa after a week and some days. I am a banker and even with my busy schedule, I try to stay in touch. Even if I get to Germany, I'll always find time to contribute my quota to the thread as long as I have internet cos I learned a lot here. I am grateful to everyone here, u guys are wonderful
I wish u guys goodluck. My 2 spoons.... @Emeka Thanks for the info...Pls I have 2 questions: 1. Where and how much did you certify your documents? 2. How much did Nipost charge you & how long did it take to get there? |
Jobs/Vacancies › Re: Akintola Williams Deloitte Test by papy4real: 3:34am On Dec 29, 2013 |
@proficienc. How did you apply pls?? |
Jobs/Vacancies › Re: Pwc Graduate Hire 2014 Closes November 10 2013... by papy4real: 10:02pm On Dec 20, 2013 |
Zachxolan: Abeg shey make I try reach u too, I be engineer too o and pwc don fall ma hand...zachxolan@gmail.com is the email @imag Me too na Engineer ooo...pls send me a mail at pappysho4real@gmail.com make we relate bro...Gracias |
Autos › Re: Registered 04 Acura......650k by papy4real: 7:20am On Dec 19, 2013 |
Some people can be so so funny...an 04 Acura TL is going for 450k (ridiculously cheap) and someone is still pricing 370k...even the 450k price is questionable and requires extra caution yet some peeps don't mind even getting it for free...  |
Jobs/Vacancies › Re: KPMG Graduate Aptitude Test 2013 by papy4real: 8:39am On Dec 16, 2013 |
PerfectaB: I have sent what I have to your mail box. I hope it helps Pls can u also send it to me at pappysho4real@gmail.com. Have the test tomorrow...been practising Some old GMAT questions and answers tho. Thanks |
|
|
Travel › Re: General Australian Visa Enquiries by papy4real: 4:01pm On Oct 29, 2013 |
crestline: For Engineers in the house looking for PR, I am available to assist anyone on how to prepare CDR for Engineers Australia assessment. @Crestline. Just sent you a PM |
Travel › Re: Travelling To Canada Part 4 by papy4real: 4:29pm On Sep 28, 2013 |
@Kjbobo. Just sent you a mail. Regards |