₦airaland Forum

2000-2002

More calls pls. Must buy this week

Call my Toll free line from 8am tomorrow morning. Its a free call for u.08031230314

Expecting more calls. Thanks

@onunugrace
Merci!

Pls contact me

Still waiting.

Please contact me now if you have for sale, clean, without issues, Tokunbo or Naija used Ml320. Whatsap/sms-08075993550
You can call me on Monday Morning on my business Toll Free line from 8am. U will not be charged
Toll free-0803 123 0314

tecboss: I have refused to make this comment for about 2weeks now. I didn't want to be seen as intruding or "pouring sand into someone's Garri." I am compelled to do that cos of the many complaints I see on this thread. My conscience wouldn't let me.
Few weeks back, I made arrangement to transfer fund to get about 30 laptops from our friend Linkto. B4 I did that, I decided to do a search on his ID on nairaland, Facebook, Google, etc. The outcome wasn't encouraging. The first questions that could not be answered are: 1)why is someone in USA not have a mobile number ; 2)why is someone like Linkto not active on Facebook? No pictures posted , no picture of friends and or family members; 3)why can't he be on Social media that whatsap or BBM? ; 4)why is there a sudden change from the postings of Linkto on nairaland within a year or so? His earlier posts do not suggest he was staying in the USA about 12months ago or so. I might be wrong. The whole thing does not just add up and I am worried.

I will suggest that people should do business online with persons(individuals) who have verifiable addresses in Lagos or whose families are known. You can go to their family house to pick up these stuff.

Nigerians have this notorious penchant for fraudulent acts, even when there is obviously no need for it and when they can even make it beeing honest.

I hereby use this medium to plead with Linkto to perfect most of the tools required to enhance his business. He should let interested persons know his real name, his Facebook page, his phone numbers and any other information that can be used to verify the authenticity of his person. I am convinced and confident, that he stands a better chance of earning millions of naira in revenue if he gets himself organised. Naira land is like a family, it would hurt to see some folks being hurt due to lack of due diligence.

Pls check the thread and refer to my post. I saw this coming. Nigerians have this penchant for bypassing due diligence.

I sent u mail boss

I sent u mail boss

Larry Tay: Dear Bily and Ewumi,

When I need to discuss further with the aggrieved customer officially, this will be done through my official mailbox.

Unfortunately, there are lots of scammers and hackers out there who could use my official email box to undo innocent people if I quote my official address publicly.

May be later, you may find out from the customer the genuineness of this communication. However, if you he wants the official email address used by the bank for such things like this, it is FirstContact@firstbanknigeria.com. Regards.

@Larry Tay
Bros, pls don't feel offended by some comments made by some persons on this thread. I'd always believed that Naiaraland is a fertile ground to interact and learn.

This morning, I sent an SMS to the BM , with the hope that we would meet on Monday morning. In the event that the meeting is not fruitful, I will have no option than to write formally to the bank using all the many suggestions and options available to me.

Alajiki: The enumerated steps would only worsen the case for the young boss. The bank may even sue him for defamation if he goes around mentioning names when no crime is involved. It is not a crime to reject a loan application when there had not been a written offer in the first place. Even if an offer has been given, there are conditions precedent to drawdown which the customer must meet. Though it's a very poor relationship management for a BM to refuse to pick a customer's call, it does not confer a right on the Tecboss to sue the bank.

My advice: Meet the BM in question (don't call him on phone for he may not pick your call as usual) and ask him for a formal letter declining your request while reasons for the decline are clearly highlighted in the letter. Alternatively, you can write to the bank's official customer service centre (I think the address is firstcontact@firstbanknigeria.com) ventilate your grievances with the bank specifically mentioning the branch involved. They are usually swift in their response and I am sure you would get your grievances properly addressed. Please visit the bank's official website to confirm the address I gave above.

I hope you find my advice useful.

God bless you bro.

@Alajiki
You got a wonderful idea here.However, Prior to my opening this thread and even going to BDM, Warri, I had been careful so as not to take action that could put the job of the BM on the line. The only serious move i made was a threat that I will close the account. The next day, he came with one of his marketers to my office. He really apologised for the delays and that he would promptly expedite action on the loan. But, to my chargrin, he suddenly stopped communicating. I have sent him SMS now to inform him I would be available to meet him on Monday.

layzie: @OP
I will join everyother person here to state that your case won't stand in court, FBN is not under any obligation to give depositor's money to you. also the documents you spent money on are documents you are suppose to have in the first place considering the size of your biz. However, the BM did not act like
lne by not taking his calls. That's wrong. Whatever reason he has for not granting u the loan needs to be communicated to you ASAP.
My advice: retrieve your application from him first thing monday morning and take it to another branch of the bank. Inform the BDM after its done. Thanks

@Layzie

First bank as at date is arguably the best in the country in terms of risk assets (loans) and risk asset appetite. That your bm may not be comfortable with your application and I do not blame him for that as the risk from loss far outweighs the interest he will make from the transaction.

@Layzie

My reason for seeking legal redress is not that I want to compell FBN to grant me loan by all means. The kernel of the matter here is (1) the failure of the BM to communicate me if he is not willing to avail me the loan(2)his inability to pick my calls or reply my SMS to him on several occasions. You have forgotten that even when I cannot compell FBN to give me loan, I still have right to be informed why I can't get the support or at worst be communicated with asap.
Furthermore, ur assertion that FBN is d best in terms of risk assets in country should be a topic of discussion for another day. I have no doubts in my mind that should any of the BM's cronies has a quarter of my credentials, he wouldn't wait a second to grant the loan to them. The level of corruption in banks these days is alarming that most of the decisions made are not to the best of public interest. Just like the public sector, the private sector is bedevilled with all manners of vices.

You also raised the issue of where I have good history- Good observation! If u review the thread properly, u will point it out that what I applied for in FBN is operational vehicle loan. presently, Mr Ade, BM, Unity Bank, told me that they do not run any asset financing at the moment. The next real loan, I want now is a mortgage loan of above 25million and I am still talking with some banks to pull the deal through. Unity bank has always being supportive since 2010 I started banking with them. They had always availed me loan. And I have been faithful in liquidating the loans as at when due.

Your suggestion that I should withdraw my application from that branch is a good one and I hope to be with the BM on Monday morning for a meeting on my next move.

Concludingly, it would unfair for u to say that my case would not hold water in court or that it would be thrown out. In the words of one contributor, he said "...the judge could award cost against me." We should leave the judgement for the Judges. Some years back, nobody would have given AMAECHI any chance of winning his case in court. Imagine someone who didn't contest an election being ordered to be sworn in as a governor. [sup][/sup]

goodtalk: quote author=tecboss]

@heed101: Thanks for your smart contribution. I would like to address the points u raised.
(1)- My business is profitable and in 10years, I told The BM that our verifiable turnover in nigerian banks is about 1billion naira. My unity bank statement only for past 1year is 140million, Firstbank is about 20million, keystone-20million. We have about 18 persons employed at a given time.
(2)- I beg to disagree with u that the loan money is small, being their reason for not attending to it or that they cant afford to waste their time. Till tomorrow, banks do process loans of 200k or less to their customers. So why cant they do 2.7m? I do not understand what u mean by physical verification. You should know that its the customer that bears cost of bank search and verifications. (3) my company is credit worthy. A search with Credit Bureau will show that we are not indebted to any bank presently. This is not our first loan. Our last loan of 8million taken from Unity bank last November has been prematuredly liquidated b4 the due date.(5) we are lucky to find ourselves in a viable and lucrative business. Our company deals on Mobile phones, Laptops, mobile phone and computer accessories, components etc. And we are the current leaders where we are located. (6) My brother, am not unaware that character is a criteria for accessing facility. If it Is necessary to mention it, i have an impeccable character. The fact that i am considering the option of a legal action does not in any way signify or imply that my character is questionable. Rather, its an indication of my desire to seek a legal interpretion of what my rights are. The BDM, at Airport Rd, round about , Warri, told me that my request has not been brought to his table and he equally stated that its my right, not a privillege, as a customer to acces any type of loan facility. It is obvious that the Business Manager at the branch level is the one sitting on my loan application.

Please I need more intelligent contributions. Thanks



I understand how you feel! Your best bet is not confrontation, as a former banker myself i understand that some managers see their jobs as pensionable jobs [expecially old generation bank managers] and therefore they are averce to doing loans, even if you sue them, t'he legal dept of first bank is strong to handle any gbege! Its you that will feel t'he pinch from legal charges and not them. I was in a first bank branch just a few days back and i was amazed at t'he vesatility of t'he young branch manager and his williness to do any loan in so far your account is okay and you are plain. You can send me an email at krixmas.web@gmail.com. If all you have said above is correct i assure u that he will be most willing to support your biz.

U dont need litigation, all you need is a manager willing to support you biz and sign off on your loan application! And dont forget if a loan goes bad they as branch managers suffer t'he consequences.

If you are intreasted email me and get ready to move your account to a new first bank branch.

@Good talk
You just made serious sense in ur post. Your comment on Managers seeing their job as pensionable and are naturally averse to loans is correct. I could recollect one Mr Ben, a Manager in Oceanic bank in 2006. Each time I approached him for loan, he would be telling me that his retirement is around the corner and that he wouldn't want to process any loan that would dent his career. My young age, was another factor. He felt I was too young to get a loan of 3million then. He was even surprised then that I was able to produce collateral for the said loan. Earlier, he thought he could scare me by asking me for a collateral. LoL.
I will forward you all the details of my account. Some other good Samaritan had shown concern on this thread also. I must say I am impressed by the support, comments, ideas and spirit of camaderie(if there is a word like that). I will continue to keep u updated.

EBK2: Supporting your business is a broad language and does not in anyway mean they have agreed to give you a loan. Beside, whatever they smooth-told you before opening account is in not (it is like a pre-romance sweet toast from a guy to a girl before the bubble bursts) writing nor does it constitute a contract, therefore you stand no chance of wining in court. In banking law, there is no client-banker relationship between you and the bank until you open an account, so every promise made to you by a marketer who was under pressure to generate deposit is void. In fact, a sensible judge will fine you and order you to pay FBN legal cost. Banks are beasts and poor people dont usually win with the banks unless in a well regulated jurisdication. Unfortunately, Nigerian is not one.
No doubt they have not treated you fairly but you have no redress in law, unless you want to waste your time and money with your lawyer.

I will continue to commend ur contructive opinion on my thread. However, I have some reservations with some of your contributions. Firstly, u must understand that the court is the last hope of the common man-all thing being equal. And till tomorrow, I still believe that a formal and legal correspondence with FBN could put them on the spot light and make them to bulge. That on its own is a win situation. Furthermore, all banks are not beasts as u claimed. But, some banks have inadequately trained staff or where corruption is deeply entrenched, u see all manners of behaviours amongst different strata of the work force.

emmanuel ewumi: You applied for the loan since July 2013, and also prematurely liquidated N8 million loan just 3 weeks a go. Only to complain about a N2.7 million loan that was not approved by FBN.

I am very sorry, somethings do not add up here.

@Emmanuel Ewumi
It is very common to see ur kind of arguements amongst fellows who do not have any experience in business and investment. Maybe I could do well to ask you to read any book of Robert Kiyosaki. u can find out the full meaning of OPM-other peoples MONEY.

Being able to access a well structured loan at any time is one of the best tools every business needs to excel. Ask, Dangote, Otedola, Jimoh etc. In some countries, loan is like a basic necessity, a right and not a privilege. Pls prove me wrong!

God willing by 2014, I intend to secure a 25million naira mortgage loan to build a business office which will accommodate all my business interests. I heard Diamond bank does that for their customers and am making plans to reach out to them. A business friend got 60million naira to build one in Warri last year. She is paying interest but the impact on her business is enormous. So my brother, I don't know what your opinion about me is, but , Am not here to tell u a story that will add up, according to u. But, I presume u would have understood that am bent on using loan to achieve most of my set objectives. Unfortunately my pensioneer Dad didn't leave any money for me. So I have to use other peoples money. U got it now?

EBK2: You dont have a case or a legal standing and no court will entertain your case because:
It is not your right to get a loan from a bank. You are not entitled to depositors money under the custodian of the bank (that's what a loan is).
There is no contratual agreement between you and the bank that the bank will give you a loan.
It is a lose-lose situation if you go to court with them. They have all the money in the world to get the best lawyers to defend your case and will close your account afterall and will may stain your banking record going fwd. The bank is not under any legal obligation whatsoever to maintain your bank, support your business or indeed grant you a loan irrespective of a pre-account opening smooth talks they gave you.
Also, you are not entitled to get a reimbursement for the costs you incurred so far. These are statutory records you should keep in the first place. If you get a good lawyer, he will tell you the court may even fine you for inundating it with frivolities discourage you. if you get a rogue lawyer, he will tell you that you have a case and charge you fees to start with. Bro, lick your wound, take your cost and focus on your business. Build your future in such a way that a time will come when banks will be begging you to take loans from them. That is absolutely possible!
Becaause they have not treated you fairly (please note, this is not to suggest that they acted illegally to warrant legal action), your only redress is to report them to a consumer group, CBN or any of their regulators. But in a poorly regulated environment, this is also a mere waste of time.
What i will advise you to do is to continue to parley with them and develope good relationship with your bank or perhaps, close your account and go to another bank.
Banks are in the business of giving loan and that is their source of living. If they are not busllish about giving you a loan, then there is nothing in there for them.
I hope i have helped and sorry if i have been a bit blunt but that is just what it is.

I see this contribution as a very intelligent one. But , I need to stress that I am not insisting that FBN Ughelli Main Branch or any of their branches must avail me loan. The point is that at the point they were marketing to me/asking me to open account with them, I insisted that I will only run an account if FBN would support my business. The marketer and the BM consented. And they asked that I run it at least 6months. I applied exactly 1year after the account was opened.

Even b4 applying for the loan, I asked them to access the account alongside my bank statement from other banks to be sure my turnover for one year would be enough to back up the loan request.

Now, look at it from this angle, why is the BM not responding to my calls and sms's? Why has he not cared to brief formally since 3weeks he came to my office apologising and promising that he would fast track the loan? Bro there are many questions yet unanswered.

Gates174: Did you say the BDM told you that your application hasn't been brought to his table? Then i can confidently tell you whats about to happen: that loan is gonna be given but its not gonna be official, never mind all the papers you 'll be filling... The cash is sought and loaned, when you pay back, the person (s) involved take interest...

Bro, I didnt understand this at all! Pls explain it well.

Aromas: Dis Nairaland blog not Firstbank blog! You can move closer to the next door for your complains

Bros I think u have a good point here. I will check out if Firstbank has a blog where I can explain my self. Maybe the big ogas will get to here me out. However, I feel there is need to make this public on a forum like this. From the posts here, its obvious there are other young business people in my shoes and who are patiently waiting to see where this leads to. Maybe they can take a cue from it.

staceyo: 3 weeks is too much to process a car loan,call 08038414163 to help you faster

I have contacted the number on whatsap.

sweetcheecks: You are right but please also advise him that Micro lender's interest is double or tripple that of mainstream banks becouse of their low risk factor. You might end up paying 6 to 7 times more what the mainstream banks would give you as interest. For business owners of which I am one should always have a good financial manger, an accoutant or auditor to weigh such risks. I learnt the hard way, you do not have to. Be honest with yourself, is this car something your business could do without or its part of the package considering that the festive is here you want to be seen as progressing in your community for December or it's a need your business can not do without?
Loans may advance or result in your business being liquidated you need to think carefully but eventually its your choice.

Thanks for ur smart contributions. It might interest u to know that I applied for this operational vehicle since June this year. Obviously, it was not meant for Xmas groove. A kia Rio AT, would be the least vehicle I would want to use for Xmas gbedun. LoL.
Early this year, we expanded and employed more marketing staff. They needed to be mobile for effective marketing.

Ace Ventura: Sir,

No need to waste your time & money cos they're not obligated to lend you money.

Try & find out why your request was not approved to enable you work on that for future requests.

This is Nigeria & the integrity level is very low so Banks turn down a lot of loans cos the applicants don't meet the 5 C's of credit.

Hmmmm! 5 C's of Credit. Bros do u know that most of the customers buying phones from my outlet are bankers? We simply ask them to produce a cheque for the value of what they want to buy and we oblige them.
As at today, we have about 10cheques from different bankers valued above 450,000naira. Can u see the irony of the whole thing? I can offer a bank manager credit to buy a BB Q10, but his bank can't process a loan for me. LOL.

gabuu: @tecboss. if you are in the phone/computer reseller business and you have done this much turnover, over the years that means you are a wholesaler. That explain why the bank is running away from you.
The wholesales segment of the market is dying, thanks to the Konga, dealdey, Jumia and all other online stores that are busy crashing prices as if the world is coming to and end. Companies like Redignton and Blue Arrow are all gone from the market with loses in the billions. Midcom is barely surviving because dealers are owing money left right and center and they are refusing to pay. Earlier this year, Diamond bank and IBTC extended some line of credit to some of the dealers. I am sorry to report, the cheques have started bouncing back like rubber balls. My advice, move your account to another bank or like some one said. Use your money to buy a small car and move on.

Bro! You are correct in one way.but, for my business, we are profitable . we do both wholesale and retail and till tomorrow, opportunities abound in this business.

sweetcheecks: The only other way to fight a big company like a bank is if you had a lawyer kind of insurance scheme which has been introduced in the last 18years in South Africa by legal firms, Insurances or banks where by you pay a monthly fee like you would your insurance and are guaranteed atleast R120,000 which will be about 1.87 million nairas a year allowance to allow you legall represantation to that amount a year? any further cost you pay out of your pocket as big companies could request further paper work just to frustrate and run you out your funds to ensure their victory. If none of this is in place you are really screwed cuz, you will end up working to pay both the bank lawyers and yours as if they win the case with costs, its all on you.

Good suggestion .

[quote author=Okija_juju]Erm Mr. Bros Sir..

Good Afternoon this Afternoon..

If we were sitting in a beer palour drinking Chilled Kpakpandos (Star Lager) and sucking the skin off of some nicely made Nkwobi, I would not even bother disputing the highlighted portion of your post above because there might just truly be some atom of truth in it..

#HOWEVER..

Since you have decided to involve the courts, then I'm sorry this is not reason enough for you to take a bank to court as you cannot prove the highlighted statement in a court and even if by some stroke of chance you could, its still cannot force the courts to rule in your favour or make the bank grant you the requested loan.

Now you spoke about paying a consultant to help you in the preparation of the documents requested by the banks.. Thats all well and good, but unfortunately, the cost incured in obtaining the required documentation for a loan is not reimbursible.

My advice is that you go to the highest Firstbank authority you can reach and make a complaint. I would advise you formalise the complaint and send it straight to FirstBank HQ or better yet address it to their C.E.O. Maybe also spread the matter around internet forums and also Name names. Lets people know the branch in question, the Managers Name, e.t.c and try and make your complaint clearer. It may not get you paid, but it will surely achieve the following;

1. Put the Business Manager under the spotlight,
2. Put the Bank under the spotlight,
3. Put the branch under the spotlight
4. Get your loan application processed faster.
5. Earn you an apology from the bank.


Good Luck..

_{The option of sending 'Ibi' (Hernia) to the Business Manager is still on and since its Black Friday, I can give you a 5% discount..} [/quote]@OK IJA juju.
Bro u are so on point. Presently , another bank is willing to process the car loan in 3weeks from now. I will keep d forum updated.
There is a message I want to send home here. My message will only get across to the bank if and only if a lawyer writes to the bank. I have detailed my lawyer to copy the regional office and head quarters. This is just the beginning.

databoy247: @OP i was just going through the thread and i noticed that you are based in Warri (if am not mistaken). You see, the problem is we as private business owners are still yet to realize that running a successful business in collaboration with banks can give real strain because no matter how big you think your business is, to them you are not up to the class of businessmen they do business with. Why? Your business is not worth 500million and above, or dont have huge landed properties or your business dont cough out over 2 million daily.

@

My advice is this, try getting a business account with established micro finance banks...there are credible ones like coastline, eagleflight, wetland, etc. and these banks are really underestimated. Despite having accounts with GTBank, Firstbank and Ecobank, when i need financial help i go to coastline MFB. 2.7million loan will be made available to you in 5 working days if you had approached one of these MF banks. I know the owner of Coastline MFB and there was a time she told me that there is over 100million lying dormant and waiting for young businessmen like us to borrow and invest. I know lots of people who make use of them for business purposes.

Lawsuit means spending more money. My advice, count your losses and go to a reputable MFB who will appreciate a customer like you. You will thank me for this advice. Cheers.

@data boy. You make a lot of sense. Often we use forum like this to learn. And in doing so we put our personal experience up for the interest of others.
The fact is this, I just prematuredly liquidated a loan of 8million with unity bank last 3weeks. This is not our first loan. If I may mention it, I have acquired several landed property and own 2 buildings with a collective force sale valuation of 52million
If they need a collateral, we sure have one to give them

andymofia: And you are looking for loan of N2.5mn? With over N100mn turnover? Haha bros. The weather is too hot for this kind of story.

Requesting for a loan is a business decision. The wisdom in asking for a loan is mine and I don't need u to believe that our annual turnover is above 100million. I hope the image attached is clear for ur view. Other statements would be attached if u need to clear ur doubts.

alpha conde: Sue a bank cus they refused a loan, all the court processes will just be a mere academic exercise.

@Alpha conde. Bro, I liked ur comment. Yes, I don't mind if the whole legal brouhaha ends up like a mere academic exercise. I feel I need to take this up no matter how much I spend. Most of these bankers only process loan to cronnies who would give them a percentage of the loan money or an outright kick back. The corruption in our society is becoming too alarming. The frustrating part is when you see young bankers frustrating young entrepreneurs like us. Its a sign that the end to our national crises-corruption is not near.

heed101: Bro, don't waste your money. The loan may not be granted due to many reasons and the documents requested are for confirmation.
1. Your business may not yield the required profit needed to extend you the loan
2. The amount you requested is small and they can't waste their precious time doing physical verification and inspection.
3. Also, your credit worthiness is very important. Your financial statement might have indicated that you depend solely on loan to finance your business(assumption) and it is highly risky.
4. The nature of your business as well is a key indicator.
Banks don't just give loan because preliminary investigation would be carried out and the speed of the investigation will depend solely on the amount involved.
Another thing bank look at is the Borrower character. You have not been given the loan and you are planning legal action against them, what if you are given d loan...................................... That shows you may want to default in the loan terms and start looking court injunction. Give them time or u consider another bank since you have your documents ready.

@heed101: Thanks for your smart contribution. I would like to address the points u raised.
(1)- My business is profitable and in 10years, I told The BM that our verifiable turnover in nigerian banks is about 1billion naira. My unity bank statement only for past 1year is 140million, Firstbank is about 20million, keystone-20million. We have about 18 persons employed at a given time.
(2)- I beg to disagree with u that the loan money is small, being their reason for not attending to it or that they cant afford to waste their time. Till tomorrow, banks do process loans of 200k or less to their customers. So why cant they do 2.7m? I do not understand what u mean by physical verification. You should know that its the customer that bears cost of bank search and verifications. (3) my company is credit worthy. A search with Credit Bureau will show that we are not indebted to any bank presently. This is not our first loan. Our last loan of 8million taken from Unity bank last November has been prematuredly liquidated b4 the due date.(5) we are lucky to find ourselves in a viable and lucrative business. Our company deals on Mobile phones, Laptops, mobile phone and computer accessories, components etc. And we are the current leaders where we are located. (6) My brother, am not unaware that character is a criteria for accessing facility. If it Is necessary to mention it, i have an impeccable character. The fact that i am considering the option of a legal action does not in any way signify or imply that my character is questionable. Rather, its an indication of my desire to seek a legal interpretion of what my rights are. The BDM, at Airport Rd, round about , Warri, told me that my request has not been brought to his table and he equally stated that its my right, not a privillege, as a customer to acces any type of loan facility. It is obvious that the Business Manager at the branch level is the one sitting on my loan application.

Please I need more intelligent contributions. Thanks

I pledge 5k. I have not been able to download the video. However, I am in. Let's use this to galvanise the minds of Nigerians towards using the social media to pull support against unpopular moves by our leaders.
God bless every young Nigerian!

I have a corporate account with First Bank. Last June 2013, I applied for an Operational Vehicle Loan of 2.7million naira. They said I would pay 30% equity which I consented. Thereafter, they requested for several documents: (1) 3 years financial statement (2) cash flow (3) statement of networth (4) Registered company documents and others. (5) 1 year Statement of Account
Initially, the Business Manager told me that it won't take more than 3weeks to get the loan processed. To my surprise, its taking over 5 months or so and nothing is done
And the worst part is that the Business Manager is neither picking my calls nor replying my sms's.

I further went to report to the Area Manager(Branch Development Manager-BDM). The BDM apologised to me and asked me to get back to the Business Manager. 3days after, the BM is yet to pick my calls nor reply my SMS.

I want to ask my lawyer to write them. When First Bank approached me for opening of account last year, I told them I can't run an account without any support to my business. They agreed to givee all the necessary support after running the account for 6months. Furthermore , it cost me money to provide some of the documents they requested for. I paid a chartered Accountant to prepare those documents.

I need your contributions. If I don't hear from them till on December 2,2013, I will have to commision my lawyer to write them.