okoji:

Denn, puleeze. Rolling my eyes. I am an ex-banker. I know the routine. I got so many references for customers and in my eight years in the bank. There was no issue about the references.Its the norm to get references for people. Besides, im harmless.

If you actually worked 8 years in a Bank, I hope you got to a senior level where you should have understood the risks inherent in giving references to third parties....and not just a branch boy.

I am so surprised that you can claim there is no risk in references. What is the English definition of reference?

There being no issue does not mean the risk isn't there.

There are a lot of guys here who are just opening corporate current accounts for the first time and they should be shown the proper way things are done.

I have spent many years working at different levels in different banks and I can tell you for free that references are the only ghosts that can haunt you after resignation.

The truth is always the truth and does not crave acceptance. I just pray nobody remembers this post and wails.

bizhub:
@ Denn....I'm an ex-banker,I have worked with 3 different banks..business managers and marketers provide over 80% percent of the reference used in opening co-operate accounts for customers....Most owners of co-operate accounts do not know who referenced them..It still happens till date... Now you want to discourage some1 that wants to reference an awardee..I thought we are family....let's encourage those that wish to reference people they met on this platform....we don't have fraudulent people in this group

Well, you want a short term solution.... Go ahead and give references to people you can't trace...

This is part of the corruption in this country.

If your banking experience has not involved a story at thr EFCC or SFU, you can advocate for references as much as you want.

I have seen innocent bankers rot in EFCC custody for just providing references. Ordinary address verification and other KYC requirements have destroyed careers.

If this is our kind of thought process on this issue, then I am dissapointed.

If you have a relation in EFCC or the financial crimes section of the police, just ask them about my opinion.

Take a visit to ribadu Road ikoyi and visit the EFCC facility and ask about the bankers in detention.

How are you so sure we don't have fraudulent people amidst us? Because we won? Because we have all spoken nice?

Ask ladies and they will tell you the nice talking guys are usually the greatest heart breakers.... Lol

No body is fraudulent until situations meet opportunity.... And when that time comes, you won't be there to control and you won't be able to check out.

Banking policy States that all financial records must be kept for a minimum of 5 years after conclusion. For account opening, that is 5 years after account closure. When will these accounts we are opening be closed? How long is your reference relevant?

This our posts will be here for posterity (if NL is not attacked again) and our advocacy for what is wrong or right will always be there

HOW TO RESOLVE REFERENCE ISSUES.
This post is to inform us on how to resolve our reference issues in less than 72 hours.

If you have submitted 2 reference forms to your bank and you are being told there is no response from the other bank, visit your bank branch and ask to see the customer service person. She is usually the person who sends to the other banks, in stanbic, ask for the account support officer.

Request for the status of the reference as at the moment. If it is still a 'no response' status, ask for a print out of the NIBSS status page.

You see, there is a new reference clearing system that has been automated. Hard paper references are no longer sent by banks, instead it is done electronically.

The onus is on the sending bank to send on time (they delay in sending sometimes and claim they have not gotten a response whilst it has not been sent) and the receiving bank to respond on time(work load prevents timely response.)

Once you get the print outs, you can take it to the other bank and demand for a reason why they have not responded.

The truth is that you would be told by the sending bank (your bank) to either come back for the printout (if they have not sent it) or given which makes it easy to make a demand on the responding bank.

If you however have references not suitable issues, you have to get new references that's compatible with their requests.

sunylee1:


As we are trusting God to get alert by Monday or Tuesday. After the delay that is already having negative influence, which I know that God can still change for our Good; it will NOT be good at all that bank reference will now delay some.

As I said earlier, I am willing to help sign reference for Any awardee that needs GTBank or UBA reference. Here is my contact: 08098879981 NAME: Rev. Sunday

Thanks a lot sunny, pls i will call you after church or send a text first. God bless you real good.

This is my second time of posting on this trend

If you're a YouWiN! 3 awardee and you're kicking against GEJ, the thunder that will fire you is doing press up!

A YouWiN! 3 awardee from the North just reacted to the throw back below by saying GEJ is sponsoring BOKO HARAM. Imagine an awardee saying that??

Well, after he receives his YouWiN! grant, it will met away like an ice. Period

I don't like religious bigots and that's that!

@ Denn ..Kyc is very key and not ordinary oga....Kyc lands people in trouble than even reference....who told you that he can't trace them?what are you saying?won't he make physical contact with him?How will he sign the forms without seeing and interacting with them?The person offering the assistance has up to two co-operate accounts,so he knows what reference stands for and he knows the implications too....since you feel we may have fraudulent peeps on this platform that may act funny with their account.....I rest my case...enjoy

@ Denn ..Kyc is very key and not ordinary oga....Kyc lands people in trouble than even reference....who told you that he can't trace them?what are you saying?won't he make physical contact with him?How will he sign the forms without seeing and interacting with them?The person offering the assistance has up to two co-operate accounts,so he knows what reference stands for and he knows the implications too....since you feel we may have fraudulent peeps on this platform that may act funny with their account.....I rest my case...

I believe we all have different political ideologies... I will plead that we leave any thing political out of this thread...

We should focus on working togeda to move the economy of this country forward by creating jobs and becoming the future Dangotes...

Please no political comments please...

Regards

bizhub:
@ Denn ..Kyc is very key and not ordinary oga....Kyc lands people in trouble than even reference....who told you that he can't trace them?what are you saying?won't he make physical contact with him?How will he sign the forms without seeing and interacting with them?The person offering the assistance has up to two co-operate accounts,so he knows what reference stands for and he knows the implications too....since you feel we may have fraudulent peeps on this platform that may act funny with their account.....I rest my case...

Thanks bizhub for this response. I have decided to ignore him. I wonder how signing reference for someone is corruption. Anyway,everyone with their peculiar way of thinking.

Sorry if you misunderstood my request. I understand you are winners, but you may know applicants that need a little bit of "hand-holding". Please direct them to http://woculus.com/do-you-want-more-help-in-applying-for-youwin-grant/.

chukwuka12:


It seems you have not been following this thread, and this is not the 1st time you pasting this...
We are already winners, if u need help let us know...

bizay7:
Sorry if you misunderstood my request. I understand you are winners, but you may know applicants that need a little bit of "hand-holding". Please direct them to http://woculus.com/do-you-want-more-help-in-applying-for-youwin-grant/.

No wahala

Denn yea ure right about the risk inherent in signing reference for people you dont know too well but the same risk lies in signing for even your own blood brother . I think you are over flogging the risks.

A referee is not 100% liable for the misdemeanor of the refereed but the bank is (account officer )hence due diligence and a proper KYC is required. That is why not all accounts require reference but ALL accounts require KYC and compliance mandate.

Also a bank official that gives reference to a customer or prevails on a customer to reefer another is highly at risk cos he will loose his job if tins go wrong but a customer referencing another willingly is exposed to less risk . All you need to do is just be able to assist the bank, police, or law enforcement agencies with information about the person you refereed should there be an issue. No one will arrest you if you co-operate as the reference form says how well you have known the person and not how well you are sure he wont misbehave.

Pls just get enough information as per the person you are referencing and don't claim you have known the person for too long.

Denn:
I do not encourage signing references for total strangers.

A reference is a fall back for the bank in case there is a need to trace the account holder.

References don't expire. You might be called to produce the account holder in 20 years time... No kidding.

Some people might frown at my position but it is the hard truth.

I have seen the need to call up the referees in my few years of existence and believe me, it's a bitter pill.

While it is not proper to referee someone unknown to you, I do not see any legal right to start asking references to produce an account holder. The reference is not a guarantor. The onus of KYC is on the bank and not the referee, and I am sure that the courts will rule in favour of a referee in such circumstances.

No alert yet?

Urgent!!!Please, do we have any awardee using diamond bank?

hi guys, just coming from my bank (access bank) and the manager told me that some people have started receiving their alerts. But he said he called them and they told him that the money was supposed to enter last week but since it did not enter last week we should expect it this week. has anyone received an alert today? he said i cannot access my account because of reference wahala. reference submitted over 3 weeks ago and i have been going to bank every week only for them to tell me today that all the reference did not work now i am confused because i dont know anyone in this abakaliki, so what do i do now? pls advice needed

bizhub:
Urgent!!!Please, do we have any awardee using diamond bank?

You mean any awardee directed by YouWiN to open with Diamond bank? If so, here i am!

has anybody in North East received alert?

@ xdream ,Is it true that Diamond bank has started crediting?

bizhub:
@ xdream ,Is it true that Diamond bank has started crediting?

I havent received

I just called Diamond Bank head office and i was told they are expecting to hear from Youwin this week

Good evening house. I have read all the comments on account reference and in view of the risks analysed on this thread, am very sorry, I will NOT be able to sign reference for awardee again as I earlier promised. Again I am sorry. The posts on the risk on this thread made me to change my mind.

who ever can come to sapele i will stand as refereee for him/her.
i stand on my honour

konos:
hi guys, just coming from my bank (access bank) and the manager told me that some people have started receiving their alerts. But he said he called them and they told him that the money was supposed to enter last week but since it did not enter last week we should expect it this week. has anyone received an alert today? he said i cannot access my account because of reference wahala. reference submitted over 3 weeks ago and i have been going to bank every week only for them to tell me today that all the reference did not work now i am confused because i dont know anyone in this abakaliki, so what do i do now? pls advice needed

Try and meet one of the marketers and plead with them, carry your utility bill along, explain that you are an awardee, u need help since u are just about starting your business... If it doesn't work, then talk to someone in your church/mosque to help out... Sori about that... Its really difficult to get references

Please if you are yet to get references for your Youwin account,,politely approach any of your relatives,neighbours and friends that has a business account that is over 6months and plead with him or her.Think very well ,you must be able to identify @least two co-operate account owners that will be willing to assist you..To facilate the
process,,ensure that your referee has an account with thesame bank you are using. So the verification process will be internal and faster...be proactive about it..wish you the best...If the account will be domiciled in the branch and count for the branch or the account officer ,it would have been a different story

sunylee1:
Good evening house. I have read all the comments on account reference and in view of the risks analysed on this thread, am very sorry, I will NOT be able to sign reference for awardee again as I earlier promised. Again I am sorry. The posts on the risk on this thread made me to change my mind.

So sad Denn put unneccesary fear in people that were willing to help. Anyway the search continues.

xdream:
This is my second time of posting on this trend

If you're a YouWiN! 3 awardee and you're kicking against GEJ, the thunder that will fire you is doing press up!

A YouWiN! 3 awardee from the North just reacted to the throw back below by saying GEJ is sponsoring BOKO HARAM. Imagine an awardee saying that??

Well, after he receives his YouWiN! grant, it will met away like an ice. Period

I don't like religious bigots and that's that!

Pls take any political argument out of this thread. And for your info there is still freedom of speech.

The fact that you gave someone money and helped him does not mean you will not have your differences.

Lets remember that.

bizhub:
Please if you are yet to get references for your Youwin account,,politely approach any of your relatives,neighbours and friends that has a business account that is over 6months and plead with him or her.Think very well ,you must be able to identify @least two co-operate account owners that will be willing to assist you..To facilate the
process,,ensure that your referee has an account with thesame bank you are using. So the verification process will be internal and faster...be proactive about it..wish you the best...If the account will be domiciled in the branch and count for the branch or the account officer ,it would have been a different story

i concur.

okoji:

So sad Denn put unneccesary fear in people that were willing to help. Anyway the search continues.

The truth is always the truth, even if bitter.

If youwin can ask us all to come to abuja to sign agreement binding us all to certain tenets, despite our 'goodness', i wonder why reference short cuts should be encouraged.

There are many truths of which the full meaning cannot be realized until personal experience has brought it home. John Stuart Mill

Discussion is an exchange of knowledge; an argument an exchange of ignorance. Robert Quillen

mikeoh:

yes i was a benefiary of d first edition ...i got to know about it on nairaland lik this nd i applied nd won....millions...i was yet to nta school then i just wrot jamb then whil waitin for my admision....finally i got admitd while i also won d grant

can we pls talk one on one. I need some winner touch to my plans.