₦airaland Forum

Kolabajo:
mehn 4month is freaken long for family people oo

Longer than how long you may stay jobless if you refuse to attend?

Seagodess:
I have nothing to say, the boy eyes have seen shege banza..

Including kowe

Hidentity:
You are complaining of a rocking horse and you helped someone sit for the exam? Isn't that an irony? You even talked about it like it was normal.

He who comes to equity.
Imagine pot calling kettle black.
When it favours them, "na God o."
But when it favours someone else, it's corruption.

Adeiyanu3:
NDLEA don change questions... they gave us\\ handicap. 0:19

FATALITY!


SCORES
NDLEA 1
APPLICANTS 0

Dainy1:
I just change the last number.
Is that not how is suppose to appear?

better follow what the guy above told u
and get on with the test

the server seems to be much stable today

TSoul:
Lol, no wonder you guys said it's simple but it's tricky. The answer is not A but E. That summarizes all the functions of NDLEA. They have no business with foods and packaged water

Guy, you need a brand new head
you should be arrested for misleading the public
They asked u abt NAFDAC not NDLEA check the question again

Saao:
Anytime I see something like this, it scares me even when nothing is confirm. I pray she will be found alive. The country is so scary especially for ladies.

You ought to be scared because if all was well,
a girl of her age always knows her way home.
May God keep and return her safely to her loved ones

StarFist:
I love fish

Marry am na

ufotty2001:
I want to tell you a secret that I do when am having sex with girls.. you may see this like something stupid but I can assure you that it work's perfectly.
When you have inserted your penis into her Vir.gina and u have started having sex "try to force yourself to Urinate inside her Virgi.na as u are sexing her" urine will not come out because ur sperm has blocked urinary tract but keep forcing yourself while u are knacking immediately your penis gain oxygen u will not cum early that is what i do... It works for me.. I can stay 2hrs on top woman without Cummin g..
Do this and thank me later

Things dey happen o
I was feeling Hot while going through this post but I'm highly disgusted right now.
I no go ever fucck again

Not wishing BAT death but Ohaneze should not forget that death is also a force on its own.
Every human should always remember death when making any authoritative statements.

1daful

Temidayo9:
Is it because its foreign business in Nigeria? Your fuel station deliberately refused to sell at normal approved price you never called senate, but because of DSTV and GOtv you now remember senate?

Try to do away with this useless whataboutery mentality and air your opinion regarding the issue that has been raised. You're always free to create topics or raise issues as to why nigerians behave the way you claim.

Na who get time for friend dey enter zone.
If I meet you today and I no lash you today or the next one week, I will simply conclude you are not for me. Very short story.
I gat no time to waste with any mumu girl wey go stress me when other fine ones dey for que dey wait

MasterJayJay:
He returned from rest to rest again.
What a babablu bulabu statement.

Age na your mate?
Even me wey never old dey AMAIZED by the way my body go just dey ache sometimes talk more of someone 80+

proeast:
How much does a third hand 1985 wagons cost?

This is just a failure of leadership, failure of followers and a people that are still prone to primitive lifestyles.

Even if Kinshasa has failed them, the community can even buy ambulance for themselves using old wagons!

Africa and Blackman is just a disgrace!!!

You don't know what absolute poverty means

Yoighaman:
You have all the details of the transaction, please visit the nearest UBA branch to formally lodge a complaint, the issue will be investigated and if found to be true, a lien can be placed on the customer's account. Hopefully, he hasn't withdrawn the funds and gone incommunicado.

Ok sir. Thank you very much

Bintabisiriyu2:
you need to pay up the 200k,

please give me your boss number i need to chat something with him.

i know some ruthless police officers that would handle your case, just 10k and within 2 days you will produce that money by force.

You're just on the loose, keep cruising

nedekid:
Oga, calm down.
When you quote that poster that spoke of a sucessful transaction reversing. I can bet he meant HE transfered to someone and it showed success on HIS app, then reversed. The issue, did the BENEFICIARY receive a credit of the money and it the reversed out of his account?
Download your statement. Check for the transaction. Is there a credit of the money in your account? Is there also a removal of the same amount from your account ie reversal?
If yes, then you have a case against the bank, if no, then you do not have a case. The fellow simply scammed you and the bank bears no responsibility.
Anyone that tells you otherwise eg your kid sister is only being emotional. In short consoling you. (assuming the story is as you told it).
I am sure you have approached the bank and they ignored you.
Better still go to the police and report the bank so they can investigate, you may also table it before a lawyer, a honest one that will be truthful, not just collect your money. Get the lawyer to write a letter to the bank and see their response.
Bros, 2ice I have dealt with banks, 1st time I got compensated. 2nd time my money was stolen, I got my money back with compensation for expenses ran.
Legal wise, i know how court works, I recently fought a case for 8 years and got judgement in my favor for monetary compensation.

My kid sister was only being emotional about what exactly? You mean she never did the transfer but claimed she did it or she wanted to scam me too? If you're telling me that the UBA mobile App indicating that the transaction was successful and generating a receipt for the transaction is not enough to indicate that I will be credited then I will understand and that will be the highest level of deception by UBA because I don't see any reason why the app interface should indicate that the transaction was successful and even went on to generate a receipt for it when they're not sure they had debited the money from their customer's account to have it credited to the beneficiary's account. Telling me that the money was never transferred or my sister was being emotional is what I don't understand.
Note that after the culprit transferred the money and I checked with my mobile app and couldn't see the money, I immediately transferred 1,000 from my OPAY account to the same account to see if that will drop immediately or if it will trigger both alerts to come but still, I didn't get a credit alert for the 1,000 I transferred and I still checked my app but it didn't reflect. It was 2-3 hours later before I got the credit alert for the 1,000. Why didn't OPAY reverse the money to me since they couldn't send it to my first bank immediately?
I will go by your advice to follow up the matter legally but don't try to tell me it is totally impossible for a transfer which has been indicated to be successful to be reversed to the sender by some s****d banks because that was exactly what happened.
Last month, I did a USSD transfer of 20,000 twice from my mum's microfinance bank to my account and she was debited twice but later got credited twice after 10 minutes while I was waiting for the money to be credited to my account but I wasn't that surprised because I already knew that microfinance bank network is not reliable and that was also a USSD transaction but I never knew they had that in common with UBA.
Call me a fool for not insisting on getting credited and see the money reflect in my account before releasing the goods and I won't argue with you but trying to justify UBA bank in this matter is something I will never accept. Thank you

Bintabisiriyu2:
see all the English you typed and full here like a wise person but you still couldn't apply common sense in business

You need a brand new head

favour32:
Don't blame UBA but blame yourself.
You allow someone that did business transaction to go when you know the person fully even if,
you don't get credit alert.

I have been using UBA app.for a along time.
Only once,out of several times, did it reverse successful transaction.
But personally,UBA app has 98% success rate.

Oh, so UBA actually once reversed a successful transaction to you?

nedekid:
Oga, truth be told, you were scammed, and it has no business to do with Uba. The earlier you accept you made a mistake, the easier you move one.
You gave someone your account number, he transfered, you confirmed the transfer by looking at his phone screen.
Did you open your Uba app to confirm a credit reflection in you account balance? Did you receive a text message confirming a bank transfer?
Rather you said money was reversed. For it to be reversed after hitting your account, that means it reflected inside your account the went back out.
In that case you should see incoming credit and the outgoing deduction of the money on your bank statement. If you have that then go to your bank for refund. But you know what can bet, it never happend that way.
I suggest you be carefully calling out Uba falsely. You could put yourself or your employer in a lot of trouble.

It's either you didn't comprehend my post or you just want to comment. Oya see a UBA bank customer above confirming the fact that a successful transfer was once reversed to him. My kid sister who also banks with UBA has had this same experience twice or more so don't try to tell me that this matter has nothing to do with UBA

ahiboilandgas:
simple write a petition to the bank with his accounts details , transaction receipts,phone number and name ! This accounts will be flagged for fraud with him bvn blacklist he will surely pay up . To must work to recover the Funds

Yes, someone suggested the petition but he said it has to be through the police who will now obtain a court order and take it to the bank and ask that the account be put under investigation. I'm just considering the financial involvement before embarking on this.
Thank you very much

MarketDispatch:
Next time, no customer should carry any goods if the transfer amount does not show in your bank account. Reason: you can always deliver the goods to the customer afterwards when you see the money in your account.

2. The customer knows your fixed location and can always come back to carry the goods but you don't know the customer's location and customer can disappear.

You are absolutely right. I put too much trust on our banking system that's why I fell victim.
Let's all start behaving very archaic and primitive since our institutions can't live up to the standards they propose.
If it was a fake alert, I would admit that I was outsmarted, If it was an edited receipt I would admit same. UBA just gave that opportunity to the culprit to defraud me by returning his money back to him after he genuinely transferred and I saw him download the pdf file of the receipt before I snapped it from his screen.

danvon:
It seems like you are cursing UBA for being a good bank.

They did a transaction - it didn't go well, hence they reversed the money so their customer doesn't lose his money.

That's what a good bank should do.

Try to read and understand before you comment. Which transaction didn't go well?
I said the transfer was successful but they later reversed the money to the customer

Magnoliaa:
I disagree with this suggestion.

'Cause this place nor go contain us, walai. 😅


Omo. E dey very very hard to find a neutral person for this politics section.

There's no one I can easily think of.

Me nko?

chicoMX:
UBA is a very stupid bank in terms of transfer. What you shared here happens at least 2-3 times every week (if you use their app everyday).

You see? But some people think I don't know what I'm talking about. The customer I have this encounter with could be in to fraud but my mind keeps telling me that he didn't actually come for that on this particular day. Because he exchanged number with my boss even when we haven't carried out the transaction. The name he gave to my boss to save his contact corresponds with the name on the whatsapp business profile that his number is linked to. It also correspond with the name on the ATM card which he attempted to use for the payment before the POS machine couldn't read his card and finally, it also correspond with the name on the receipt of the transaction so I call this kind of criminals "opportunistic criminals."
He was also the first to to call me informing me that the money was reversed to his account that he was going to try to resend it.
It's like someone with a bolder criminal mindset advised him not to resend the money after he called me.

intruder15:
This is what happens when you are eager to sell market to please your boss. You should have insisted on card transaction via the POS.

The money isn't gone. I believe the screenshot you took had the user details. Send a mail to UBA CFC center and state the issue. Your proof is the debit and reversal the person got.

An average Nigerian is a thief looking for who to steal from. Make them freeze the person account. Rubbish.

I contacted UBA CFC and they asked me to engage them via DM. I engage them and narrated the issue to them and even send them the receipt of the transaction but instead, they told me to contact the sender. I told them that it was a stranger and that his number was no longer reachable but they haven't replied to that yet.
Also, I wasn't trying to impress, my boss was around when the transaction took place and I had been using my account to receive money from customer for him throughout the naira crises when POS were failing and banking services were very poor because he's not a digital person. In fact, none of his account is even enabled to use ussd transaction so he's aware that I have been useful to him in that regard most especially during the naira crisis.
Note: he hasn't asked me to pay him back or even frown at me over this issue. I just feel that guilt that my account was involved and the goods worth almost 200k just lost in this manner. Perhaps if we didn't opt to try the transfer option, the customer would simply left and those items will remain the way they were. But God knows best, this isn't the first time I have used my account to receive money for him. I even opened an OPAY account which is linked to phone number to receive alerts for all transactions

bet9ja:
Don't give up yet, You can locate him on social media using is phone number/account number. Involve all his family and friends and watch how he will send your money with speed.

Get his full name from the receipt that he shared. Check Linkedin, Facebook, Histogram and other social media, You will surely get a loop hole to catch him.

Ok sir. Already checked his Facebook and whatsapp page but couldn't find a corresponding name or picture. I won't give up as you said, I will try all possible means to see that he is nailed.
Btw, my boss just told me to calm down that he needs a little time to follow up the matter.

overdrive:
The funds never left his account in the first place.he simply hoodwinked you to believe so. Go through that screen shot again and compare with another uba completed transfer transaction.

I imagined this scenario too but that is not what happened. I actually remember some time in February when my mum asked my kid sister to transfer 10k to my account to buy something and my kid sister did the transaction twice and it showed successful and she was debited but after a while, the money was reversed to her account then she informed me about it and we had to source the money elsewhere. I also remember when I used USSD code to transfer 20k from my mum's microfinance bank account and it showed successful but the money was reversed to her account too.
UBA, FCMB, Access Bank and microfinance banks are all into this shiit

MasterJayJay:
There is nothing wrong with the transaction. All banks do reversal if the transaction doesn't deliver to the recipient.

Your carelessness caused it..You didn't get any alert neither did your balance reflect it.

Banks cannot reverse money that has already reflected in your account, unless in special cases like wrong account number being credited. This even takes longer.

So what then is the essence of the mobile banking as a whole if a successful transfer which a transaction receipt has already been generated for can be reversed to the sender. Why show successful and having the receipt generated if for any reason there is no guarantee that the sender's bank has debited the money from their customer's account and sure of crediting the money to the recipient's account?
Let's stop being archaic and primitive, this is the 21st century ffs. UBA has no right to refund a money which their customer consciously paid for goods to their customer after showing that the money has successfully been transferred to the recipient.
This is not a failed or pending transaction, this is also not a mobile wallet issue or a forged receipt or fake credit alert. I'm talking about a successful mobile app transfer with a receipt and a transaction reference.

Berrityga:
You can also take the information to any uba branch and have his account frozen. But first you need a police report.

Ok, I think I will try out this option too to see if it's feasible. I just don't want him to go scott free.
But I'm still surprised why a successful transfer which the receipt has been generated will be reversed to the sender after some time. I have been mentioning CBN on twitter to draw their attention to this fraudulent act by UBA.
If it was a pending or failed transaction, it would have been understandable but in this case, the transaction was successful and the receipt was generated.
If not that our society abets crime, it shouldn't be such a hectic task to unmask all this petty criminals. It will just be a matter of taking his name, the receipt of the transaction and phone number to the bank then his address, photo and other details will be revealed immediately. But no, our society hates transparency because 70-80% of the population are only able to make ends meet and live extravagantly through one crooked means or the other.

Enskynelson:
I disagree still. When we keep giving excuse for scammers to go Scot free, we are indirectly encouraging them. I understand all you said. But we need not give up like that because that will give him the confidence to try this next time on someone else.
The fee may not be as much as they have estimated. Try and find out yourself.

I agree with the bolded statement but already asked how much it would take to actualize this and I was told just the tracking fee was around 20k then to raise a petition that can be acted upon in the shortest possible time is around 40-50k that's almost 70k. If the culprit is finally apprehended, the police will still demand some monetary appreciation for doing their job. All this makes it look like someone is busy chasing a wild goose