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PoliticsRe: Court Nullifies INEC Membership Timeline by TechToyin(m): 7:42pm On May 21
fergie001:
Yes @ the bolded.

@Truths9ja.....
What if according the party they are defecting to, their timeline for buying and submitting form has closed
PoliticsRe: Governor Seyi Makinde Officially Declares For 2027 Presidency (video) by TechToyin(m): 3:07pm On May 14
Opposition votes continues to splits
PoliticsRe: NDC Website Crashes After Obi & Kwankwaso Joined The Party by TechToyin(m): 9:55pm On May 03
Let's make Nigeria great again

PoliticsOfficial Declaration To Run For President – 2027 On the platform of the NDC by TechToyin(op): 9:24pm On May 03
OFFICIAL DECLARATION TO RUN FOR PRESIDENT – 2027

My fellow Nigerians,

Today, I stand before you with a deep sense of responsibility, humility, and unwavering hope for the future of our great nation. After careful reflection, wide consultation, and a clear understanding of the challenges and opportunities before us, I hereby formally declare my intention to run for the office of President of the Federal Republic of Nigeria in the 2027 general elections under the platform of the Nigeria Democratic Congress (NDC).

Nigeria stands at a defining moment in its history. Our people are resilient, hardworking, and full of potential, yet too many continue to face hardship, insecurity, unemployment, and limited access to quality education, healthcare, and digital opportunity. This must change—and it will change.

I am stepping forward not just as a candidate, but as a servant-leader committed to building a nation where every citizen has the opportunity to thrive. A nation where our youths are empowered, our economy is strengthened, and our governance reflects transparency, accountability, and service.

My vision is clear:
A New Nigeria is Possible.

We will pursue bold, forward-looking policies that prioritize:

- Security and Unity across all regions
- Economic Growth that creates jobs, supports innovation, and empowers local industries
- Internet as Public Infrastructure — affordable, reliable, and accessible digital connectivity as a basic right for every Nigerian
- Quality Education that prepares our children for the future
- Accessible and Affordable Healthcare for all
- Accountable Leadership rooted in transparency and service

We will put Nigeria first in every decision—prioritizing our people, our industries, and our future. We will reduce overdependence on imports by investing in local production, strengthening our manufacturing base, and positioning Nigeria as a competitive exporting nation.

This journey is not about one person—it is about all of us. It is about restoring belief in leadership and building a country we can all be proud of.

I am also prepared to engage in a free, fair, and credible primary process, and I welcome the opportunity to stand alongside and be challenged by fellow aspirants, including Peter Obi and others, in the spirit of democracy, ideas, and national progress.

To the youth of this nation, this is your moment.
To the workers, the entrepreneurs, the students, the families—this is our shared mission.

Together, we can turn our challenges into opportunities and our hopes into reality.

Let us rise together.
Let us build together.
Let us win together.

God bless you, and God bless the Federal Republic of Nigeria.

Oluwatoyin Ishola
Presidential Aspirant, 2027
Nigeria Democratic Congress (NDC)

Christianity EtcRe: What Do You Want From God Today? by TechToyin(m): 9:57am On May 03
kpakpandoN:
Some people are so comfortable with their problems that they reject every form of help that comes their way. For example, one would have thought that Jesus would have immediately commanded the man who had been sick for 38 years in John 5:1-14 to rise from his sickbed. However, the first thing Jesus asked him was, “Do you want to be made whole?” Jesus didn’t assume that the man wanted to be healed; He first asked him if he wanted to be healed before healing him.

And Jesus stood, and commanded him to be brought unto him: and when he was come near, he asked him, Saying, What wilt thou that I shall do unto thee? And he said, Lord, that I may receive my sight.
Luke 18:40-41

In the Scripture above, Jesus heard a blind man crying out to Him for help. When He asked that the man be brought before Him, He didn’t assume that he needed healing, even though he was obviously blind. He proceeded to ask him, “What do you want me to do for you?”

There was once a woman who was sick, and we prayed earnestly for her to get well. When she didn’t get any better, we were surprised because we know that our God is the Great Physician. Therefore, we turned to Him and asked, “Father, what’s wrong? Is there anything we should be doing that we are not?” Then, He replied, “You are praying for healing for this woman, but have you asked her if she wants to be healed?” I thought to myself, “Of course, every sick fellow wants to be well,” but the Lord insisted that I ask her if she truly wanted to be healed. I did, and she responded, “No!” Surprised, I asked her why, and she replied, “When I was well, my husband always returned late from work. He would go from his workplace to a club. Since I became sick, he comes straight home to me as soon as he leaves his workplace. So, I don’t want to be well!”

Beloved, God has set before you life and death, blessing and curses, prosperity and poverty, freedom and bondage; however, He will not force His gift of healing, life, or salvation on anyone. If you are dealing with sickness, poverty, or any other negative situation in your life, cry out to God today if you indeed want a miracle from Him. He will heed your cry and meet you at the point of your needs.
Written by Pastor E.A. Adeboye.
Money for breakfast and rent.
Then a job
Jobs/VacanciesI Need Jobs In Maiduguri by TechToyin(op): 8:45pm On May 01
I need jobs in maiduguri
PoliticsRe: Tinubu, APC Consider Osinbajo–musa Ticket Amid Declining Popularity by TechToyin(op): 6:37pm On Apr 26
seunjungle1:
This economic hardship is really affecting this guy.
You can help me out
PoliticsTinubu, APC Consider Osinbajo–musa Ticket Amid Declining Popularity by TechToyin(op): 10:00am On Apr 26
Emerging reports from within the ruling All Progressives Congress (APC) suggest that President Bola Ahmed Tinubu and key party stakeholders are weighing a potential political realignment ahead of the 2027 general elections, including the consideration of a Yemi Osinbajo–Christopher Musa presidential ticket.

This development comes against the backdrop of growing concerns within the party over declining public approval ratings, driven largely by economic pressures, inflation, and widespread dissatisfaction with the pace of reforms.

Strategic Repositioning Within APC
Insiders familiar with ongoing consultations indicate that the APC is exploring options to rejuvenate its political appeal and consolidate its support base. Former Vice President Yemi Osinbajo is reportedly being considered for a leading role due to his technocratic reputation, perceived integrity, and relatively broad acceptability across regional and religious lines.

General Christopher Musa, has also emerged in discussions as a potential vice-presidential candidate. Analysts suggest that his inclusion could appeal to voters prioritizing national security, particularly amid persistent insurgency and internal security challenges.

Internal Debate and Party Dynamics
While no official statement has been issued by the presidency or APC leadership, party sources describe ongoing internal debates over whether a shift in ticket composition is necessary or politically advantageous.
Some factions within the party argue that maintaining continuity with Tinubu’s leadership is essential to sustaining policy direction, while others advocate for a fresh ticket that could reset public perception ahead of the next election cycle.

“There is a recognition that the party must respond to the current mood of the electorate,” a senior APC member, speaking on condition of anonymity, said. “Names like Osinbajo are coming up because of their track record and public goodwill.”

Opposition Reaction and Public Sentiment
Opposition parties have dismissed the reports as a sign of instability within the ruling party, arguing that leadership changes alone will not address underlying governance issues.

Political analysts, however, view the speculation as part of a broader recalibration process typical of Nigerian party politics ahead of election cycles. Public sentiment remains mixed, with some citizens expressing openness to alternative leadership within the APC, while others remain skeptical about any internal reshuffling.

PoliticsNafiu Gombe Withdraws Court Cases, Demands Treasurer Role And Vice President by TechToyin(op): 8:01pm On Apr 03
In a surprising turn of events, Hon. Nafiu Bala Gombe has formally withdrawn all pending court cases linked to the leadership dispute within the African Democratic Congress (ADC), insiders reveal. Sources close to the party say the move signals a deliberate pivot from prolonged legal battles to strategic political reconciliation.


According to close sources, Gombe is now pushing for active participation in the party’s leadership, specifically seeking the position of Treasurer and advocating for the inclusion of a Vice Presidential candidate in future party arrangements. Party insiders suggest this is part of a broader effort to strengthen internal democracy and ensure balanced representation across the party’s leadership.
“This is a decisive step toward unity. Gombe wants to contribute constructively while ensuring the party remains competitive and cohesive,” a source familiar with the discussions told reporters.


Gombe has reportedly called for a high-level roundtable discussion involving party executives, youth and elder representatives, and other stakeholders. The aim, sources say, is to address internal grievances, rebuild trust, and develop a shared vision for ADC’s future, particularly as the party prepares for upcoming national political engagements.
“The focus now is on dialogue, not litigation,” said one insider. “Gombe’s withdrawal of court cases clears the path for genuine negotiation and strategic planning.”


The ADC had been embroiled in a leadership conflict between Gombe and factions loyal to Senator David Mark, which previously drew the attention of the Independent National Electoral Commission (INEC) and the courts. INEC had maintained a neutral stance, freezing all party activities related to the dispute pending a final judicial resolution.

By stepping back from the courts, Gombe has effectively de-escalated tensions and created space for a political solution, sources close to the party leadership confirm.
Implications for the Party
Political analysts note that Gombe’s move could:
Reduce legal distractions for the party
Open avenues for inclusive leadership reform
Position ADC more strategically for the 2027 elections
“This is not just a withdrawal; it’s a political recalibration,” a senior party official remarked. “By demanding the Treasurer role and VP inclusion, Gombe is signaling he wants influence without division.”


With court cases withdrawn and dialogue prioritized, the ADC appears to be entering a new phase of internal cohesion, aiming to reconcile factions and present a stronger, united front on the national stage.
Party watchers say the coming roundtable meetings could set the tone for a more inclusive and strategic leadership structure, potentially reshaping the party’s fortunes ahead of the 2027 general elections.

Jobs/VacanciesDid Anyone Go For The WEMA Bank BIT SALES Interview by TechToyin(op): 11:52pm On Mar 16
Did anyone go for the WEMA bank BIT SALES interview ?

Or is there a Whatsapp group I can join
PoliticsRe: Appeal Court bars INEC from validating PDP's Ibadan National Convention by TechToyin(m): 12:02pm On Mar 09
fergie001:
The Appeal Court sitting in Abuja has upheld the Federal High Court judgement stopping the PDP National Convention held in Ibadan. The Appeal Court consolidated all nine appeals emanating from the National Convention.


SOURCE
What does the law define as if internal party affairs


Ugwu v. Ararume (2007) 12 NWLR (Pt. 1048) 365
The Supreme Court ruled against the
People's Democratic Party for wrongfully substituting a candidate.
“A political party must obey its constitution and the Electoral Act.”


Lado v. CPC (2011) 18 NWLR (Pt. 1279) 689
The Court ruled that courts can intervene when party rules or statutes are violated.
“Where a political party fails to follow its own constitution, the court will not fold its arms.”


Section 84(14)
This section gives locus standi to challenge party processes.
“An aspirant who complains that any of the provisions of this Act and the guidelines of a political party have not been complied with in the selection or nomination of a candidate may apply to the Federal High Court, State High Court or FCT High Court for redress.”

Section 84(13)
One of the most cited provisions in Nigerian political litigation:
“Where a political party fails to comply with the provisions of this Act in the conduct of its primaries, its candidate for election shall not be included in the election for the particular position.”


Section 82(1)
“Every political party shall give the Commission at least 21 days notice of any convention, congress, conference or meeting convened for the purpose of electing members of its executive committees or other governing bodies.”


With this I feel the court is right
Jobs/VacanciesRe: Wema Bank Sales In Training Aptitude Test. by TechToyin(op): 4:51pm On Mar 05
Ambitiousssss:
Did you get the mail for the second assessment?
Yes I did
PoliticsRe: Forged certificate not a disqualifying factor in new Electoral Act - Jibrin by TechToyin(m): 9:43am On Mar 04
fergie001:
The CFRN is the Supreme document of the country but these forgers are looking for ways to punish counsels who raise same issues.

It is time to try same in Court now and not complain later.

Who is deceiving who?
So when you win elections, you don't know immunity as a Governor or Deputy Governor, President or Vice President debars criminal prosecution? Does criminal codes work for someone who has immunity? Can you even go to Court to challenge a Governor who forged certificates?
Only the tribunal gives you that avenue because it is a special court.
You are more intelligent than this, stop it.

Nobody can file a forgery case.
The Electoral Act 2022 passed by the Gbajabiamila house insists that only those who contest in the Primary can sue for certificate forgery..... Meaning if I forge my certificate without you participating in the same Primary with me, you can't sue. Nobody else can.
The only other avenue to sue is the election tribunal.
What this means now is that once I run alone in the Primary with forged certificate, nobody in the world can sue.

You can't even go to a Court because Section 308 empirically says those with immunity cannot be prosecuted under any law, (even if it were murder).
What about In PDP & 2 Ors. v. Biobarakuma Degi-Eremienyo & 3 Ors (2020), the Supreme Court disqualified and nullified the election of both the gubernatorial candidate (David Lyon) and his deputy (Biobarakuma Degi-Eremienyo) on the ground that the deputy did not qualify for the election. This case established that forged credentials can invalidate an entire ticket, not just the individual candidate.
PoliticsConditions For A Consensus Primary Under The Electoral Act 2026 by TechToyin(op): 12:25pm On Mar 01
The Electoral Act 2026 (as amended) recognises consensus as one of the lawful methods through which political parties may nominate candidates for elective offices. Under the Act, parties are limited to either direct primaries or consensus, making consensus a legally regulated internal nomination mechanism rather than an informal political arrangement.

A consensus primary occurs where a political party agrees on a single aspirant without conducting a voting process. However, the law does not permit an imposed candidate. The arrangement must reflect a genuine and voluntary agreement among all aspirants seeking the same office.

The first mandatory condition is that every aspirant must consent to the consensus decision. If even one aspirant refuses to agree, the party cannot proceed by consensus and must instead conduct a direct primary in accordance with the Act.

Secondly, aspirants who step down must formally withdraw from the contest. This withdrawal is expected to be documented in writing to demonstrate that the decision was voluntary and not the result of coercion or undue influence.

Another condition is compliance with internal party rules. The party’s constitution and guidelines must expressly provide for consensus as a mode of nomination, and the process must follow those internal procedures strictly.

The Act also requires political parties to maintain an updated and verifiable membership register. Such records must be submitted to the Independent National Electoral Commission (INEC) within the statutory timeframe before the primary is conducted.

INEC must be notified in advance of the primary and may monitor the process to ensure compliance with the law. Where the Commission determines that due process was not followed, the nomination may become vulnerable to legal challenge.

In summary, a valid consensus primary under the Electoral Act 2026 requires voluntary agreement of all aspirants, written withdrawal by others, strict adherence to party rules, proper documentation, and compliance with INEC’s regulatory oversight. Any deviation from these conditions may render the nomination defective in law.

Jobs/VacanciesRe: Wema Bank Sales In Training Aptitude Test. by TechToyin(op): 9:11am On Feb 28
H
Ambitiousssss:
Did you write the test? How was it
I wrote it. I'm hoping for the best. Did you write it too
Jobs/VacanciesWema Bank Sales In Training Aptitude Test. by TechToyin(op): 2:58pm On Feb 26
Please I need guidance on how to prepare for Wema bank sales in training aptitude test.
PoliticsRe: INEC Declares APC’s Maikalangu Winner Of AMAC Chairmanship Election by TechToyin(m): 8:51am On Feb 22
Notatribalist:
If this election was not riged in favour of APC,may you life be sweet as sugar. But if it was rigged in favour of apc,and you knew it and still put up this nonsense,may you and your generation know no peace.
Take note: My curse will only work if you know deep down that Apc rigged .
And theseame to you, if you knew deep down that ADC never stood a chance
PoliticsRe: INEC Declares APC’s Maikalangu Winner Of AMAC Chairmanship Election by TechToyin(m): 8:02am On Feb 22
Let me guess: " APC rigged". So anyone voting for ADC is wasting his time because APC will rig....

Always full of excuses
PoliticsRe: INEC Declares APC’s Maikalangu Winner Of AMAC Chairmanship Election by TechToyin(m): 7:57am On Feb 22
If you can't win a local government how would you win a country
ProgrammingRe: Nairaland Full-Stack AI Coding Challenge by TechToyin(m): 11:34am On Feb 14
ArcFresky:
You big pass NL money...you no need am.
Me I need it
PropertiesRe: I Need A Land In Lagos, Abuja Or Kaduna That Sells From 50k To 100k Per Plot by TechToyin(op): 11:17am On Feb 13
mascot87:
It's better to use your money chop than looking for land at those location at that price
But please Why do you say so sir
PropertiesI Need A Land In Lagos, Abuja Or Kaduna That Sells From 50k To 100k Per Plot by TechToyin(op): 11:14am On Feb 13
I need a land in Lagos, Abuja or Kaduna that sells from 50k to 100k per plot
PoliticsPlease How Can One Apply For Tinubu Social Media Advocacy Vanguard (data Boys)? by TechToyin(op): 9:34am On Feb 04
Please How Can One Apply for Tinubu Social Media Advocacy Vanguard (Data Boys)?

Good day house,

I’m seeking information on how to apply for the Tinubu Social Media Advocacy Vanguard, popularly known as the Data Boys.

I’ll appreciate it if anyone with first-hand or reliable information can help answer the following:

Application process – How does one apply? Is there an official link, form, or contact person?

Requirements – What are the criteria needed to qualify (social media accounts, experience, age, etc.)?

Nature of the work – What exactly is expected from members?

Pay/allowance – Is it paid, and if yes, what is the payment structure or range?

Any advice for someone interested in joining.
Thanks in advance to everyone that contributes. God bless 🙏🏽
PoliticsWhere Nigeria’s Youth Development Went Wrong — And The Real Path To Success For by TechToyin(op): 8:04pm On Feb 02
Good day my people.
This post is not to insult anyone, neither is it motivational talk. It’s just a plain explanation of why things changed and what a Nigerian graduate must do to survive in today’s reality.

WHEN JOBS USED TO BE “AVAILABLE”

There was a time (1960s – early 1980s) when:

Government was the biggest employer
Few universities existed
Graduates were scarce
Degrees were directly linked to manpower needs

If you finished school, the system absorbed you — civil service, teaching, public works, health, oil sector, etc.

That system is dead.

WHAT WENT WRONG?

1. No manpower planning anymore
Nigeria kept opening universities but didn’t build industries.
We train people for jobs that don’t exist.

2. Too much certificate, too little skill

Our system rewards:

Passing exams
Memorizing notes

But ignores:

Practical skills
Workplace readiness
Problem-solving

So graduates come out “qualified” but not useful.

3. Death of technical education
Polytechnics and technical colleges were neglected.

Everyone was pushed to university.
Meanwhile, Nigeria needs:

Technicians
Builders
Installers
Skilled operators

But society looks down on those jobs.

4. Weak economy, no industries

Nigeria imports almost everything.
No strong manufacturing.
No serious tech or research ecosystem.
No industry = no jobs, simple.

5. Population explosion without productivity
Millions graduate yearly, but:

Investment is low
Productivity is low

Result:
Too many job seekers chasing too few openings.

6. Youth programs are political, not developmental

Most youth empowerment programs are:

Short-term
Poorly monitored
Looted

They help people survive, not build careers.

WHY TODAY’S GRADUATE IS STRUGGLING

Degree is no longer special
Competition is global
Automation killed entry-level jobs
Private sector is weak

The old promise:

“Go to school and get a job”
Does not exist again.

[THE REAL PATHWAY TO SUCCESS FOR A NIGERIAN GRADUATE

This is the part people don’t like to hear.

1. Skill > Certificate
Your degree is just an entry ticket.
You must add:
A real skill
Something you can do with your hands or brain
Something people can pay for
If you can’t produce value, nobody will employ you.

2. Think global, live local
Nigeria is a bad place to earn, but a cheap place to live.
Smart graduates:
Work remotely
Freelance
Do research
Earn in dollars/pounds
Spend in naira

3. Stop job hunting, start problem solving
Employers now ask:
“What can you do?”
Not:
“Where did you graduate from?”
Build:
Portfolio
Projects
Evidence of work


4. Use NYSC wisely
NYSC is not for parade ground and CDS only.
Use it to:
Learn
Network
Enter NGOs, labs, schools, tech hubs
Many people waste that year.


5. Look into research, grants, fellowships
Many Nigerians ignore this path.
There are:
Research assistant roles
Funded MSc/PhD
NGO research jobs
International fellowships
Less competition, more structure.

6. Entrepreneurship is not hustling
Business only works if:
You have skill
You solve a real problem
You can sustain it
Not:
“Let me just start something.”

HARD TRUTH
Nigeria didn’t fail because youths are lazy.
Nigeria failed because:
Education is not tied to the economy
Youth development is politicized

The economy cannot absorb its graduates
So today, no graduate is entitled to a job.
Survival now depends on:
Skill, strategy, and positioning — not hope.
If you’re a graduate and you’re confused, you’re not stupid — the system is broken.
Let’s discuss.
EducationStudents’ Disrespect For Teachers: A Symptom Of A Broken Education System by TechToyin(op): 3:51pm On Jan 26
Students no longer respect teachers because teaching is seen as a profession of last resort but that’s not the whole truth

Lately, there’s been a lot of talk about students no longer respecting teachers, and one popular explanation is that teaching has become a “profession of last resort.” While there is some truth in that, I think the issue is deeper and more structural than we like to admit.

Yes, teaching has been badly devalued in Nigeria. Poor salaries, delayed payments, lack of career progression, and little social prestige have turned what was once a respected profession into something many people only consider when other options fail. Students see this reality clearly. Respect is learned socially, and when society treats teachers as disposable, students naturally mirror that attitude.

But that is only one side of the story.
Another major factor is economic status. In today’s Nigeria, money has become the primary measure of success and intelligence. Students watch teachers struggle financially while politicians, influencers, and even internet fraudsters live large. Over time, this creates a mindset where authority is tied to wealth, not knowledge or character.

There is also the problem of weak institutional support. In the past, school authorities backed teachers firmly. Today, many teachers are left exposed. Parents harass teachers, school owners prioritize fees over discipline, and government policies offer little protection. Once students realize a teacher has no backing, respect disappears quickly.

Cultural changes also play a role. Social media has normalized informality, sarcasm, and constant questioning of authority. Without strong value-based education, students carry this same attitude into the classroom.

That said, we must be honest: some teachers also contribute to the problem. When untrained, unmotivated, or unprofessional individuals enter the classroom, it reinforces the idea that teaching is not a serious career. This weakens the moral authority of the profession as a whole.

In summary, students do not disrespect teachers simply because teaching is a “last resort” job. The real causes are societal neglect, economic realities, weak school systems, cultural shifts, and declining professional standards in some cases.

Until Nigeria genuinely values teachers through proper pay, protection, and prestige students will continue to behave based on what they observe, not what they are told.
ProgrammingRe: Vibe Engineering Progress Report 2026 by TechToyin(m): 4:48am On Jan 25
I use Gemini 2.5 on Google ai, opus on claude 3 and gpt 4 on chatgpt
FoodThe Hidden Danger Of Falling Food Prices In Nigeria by TechToyin(op): 12:41pm On Jan 23
Many people are happy that food prices are coming down. On the surface, it looks like good news. But there is a serious danger most people are not talking about.

Cheaper food is good for consumers, but not always good for farmers
While buyers enjoy relief, many farmers are selling at a loss.

Cost of farming is still very high
Fertilizer, diesel, transport, labour, and insecurity are still expensive. Prices fell, costs did not.

Farmers are losing capital
Most Nigerian farmers use money from the last harvest to fund the next season. Losses now mean no money later.

Many farmers may not plant next season
When farmers cannot afford seeds, fertilizer, or labour, they reduce production or quit entirely.

This leads to future food shortages
Less planting today means less food tomorrow, which will push prices up again.

Nigeria has no strong price support system
There are no effective minimum price guarantees or working buffer stock programs to protect farmers.

Poor storage forces distress sales
Because farmers can’t store food, they rush to sell during harvest when prices are lowest.

Middlemen and traders also suffer losses
Oversupply and weak demand affect the entire value chain, not just farmers.

Price instability scares investors away
Serious investors avoid agriculture when prices swing wildly from profit to loss.

Low prices today can mean hunger tomorrow
If farmers collapse, Nigeria will depend more on imports and face worse food inflation later.

Bottom line:
The problem is not high prices or low prices. The real problem is unstable prices.
If Nigeria does not protect farmers now, today’s cheap food will become tomorrow’s food crisis.
BusinessNo Refund Policy Statement Is Illegal In Nigeria by TechToyin(op): 3:22pm On Jan 21
No Refund Policy Statement Is Illegal in Nigeria

Good day house,

I see many businesses in Nigeria boldly writing “NO REFUND AFTER PAYMENT” on receipts, tickets, flyers, websites, and even shop walls. A lot of people believe once they pay, that’s the end of the matter. That belief is wrong in law.

Under Nigerian law, a blanket no refund policy is illegal, null, and unenforceable, no matter how loudly it is advertised.

What the Law Says (Very Clear)

Nigeria has a specific law that protects consumers:

Federal Competition and Consumer Protection Act (FCCPA), 2018

This Act applies across Nigeria and overrides any private business policy.

Key Sections:

Section 120 FCCPA
Gives consumers the right to cancel advance bookings or reservations and receive a refund, subject only to a reasonable charge.
A business cannot say “no refund at all.”

Section 122 FCCPA
Where goods or services are defective, unsafe, substandard, or not as described, the consumer is entitled to a full refund.

Section 127 FCCPA
Prohibits unfair, unreasonable, or unjust contract terms.
A one-sided “no refund” clause is unfair by law.

Section 129 FCCPA
Any agreement or notice that waives or removes a consumer’s statutory rights is void.

In simple terms:

You cannot contract out of the law.


What Nigerian Courts Have Said

This matter is no longer theoretical. Nigerian courts have ruled clearly on it.

Patrick Chukwuma v. Peace Mass Transit Ltd (Enugu High Court, 2022)

Facts:

Passenger paid for a bus ticket.

Transport company failed to convey him.

Company refused refund, relying on “NO REFUND” printed on ticket.


Judgment: The court held that the “no refund” policy was illegal, null, and void.

Justice C.O. Ajah stated in substance:

A business policy cannot override statutory consumer rights provided under the FCCPA.



The court:

Ordered refund of the money

Awarded ₦500,000 damages against Peace Mass Transit


This case is now a major authority in Nigeria.


Edem Ewa Ekeng & Anor v. Wakanow.com Ltd (Lagos Magistrates’ Court)

Facts:

Customers paid for travel services.

Services were not properly delivered.

Company refused refund based on its policy.


Court’s decision:

“No refund” policy declared invalid

Refund and damages awarded to consumers


Constitutional Backing

While the FCCPA is the main law, consumer protection also aligns with:

Section 16(1)(b) of the 1999 Constitution (as amended)

Which mandates the State to ensure that:

“The economic system is operated in such a manner as to permit the maximum welfare and happiness of every citizen.”



Allowing businesses to collect money without accountability directly offends this principle.


Important Clarification

This does NOT mean:

Businesses must refund in every situation

Consumers can abuse refund rights


What it means is:

Refunds cannot be totally prohibited

Charges must be reasonable

Where service fails or goods are defective, refund is mandatory
Bottom Line

If any business in Nigeria tells you:

“We don’t do refunds. It’s our policy.”



The correct legal response is:

Your policy is illegal under Nigerian law.



No signboard, receipt, ticket, or website notice can override the Federal Competition and Consumer Protection Act, 2018.

Consumers can report such businesses to:

FCCPC

Magistrate Court

State High Court


And courts have shown they are ready to award refunds and damages.

Let’s stop normalising illegality because it has been “done for years.”

Law is law.

Opinions? Experiences? Corrections welcome.

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