₦airaland Forum

Chillisauce: 3 pages, 2 months thread for 17k naira. Ok o

I can tell you are the sort of person that doesn't appreciate kindness. Spoilt perhaps?

I am happy that I did something nice for my friends...Luckily the family aren't as ungrateful as you O dabo oremi...O ko

Thank you for everyone that commented.

You have all been such a huge help

The family member knew the amount. I told them a few days after I had said that I was going to wire them it...to make sure they didn't get their hopes up too much.

I don't know why some posters are getting on my back so much! The amount I sent was N17,000 in the end and they were very grateful. As I have already said, they are not very rich at all. I don't know where you live? Abuja maybe? This family lived in very poor conditions and I knew this amount would be well received...it is a lot for me! So back off abi!
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Anyway, that is not the reason I wanted to post. I just wanted to say that...they money has been picked up!!!

I am so happy. I missed the birthday by a few days, but it doesn't matter, because it got there in the end I am very relieved.

Mrs.Chima:
Awwww. Just offer her a green card...you will see her pronto!

Good luck!

That's great. But what does she want, ME or the GREEN CARD? I want to be with someone who wants me, I do not want to be someone's ticket to the west. I don't want to be used like that.

This is the thing that troubles me the most. It is not what people will think of me...for being with a Nigerian. It is not even that I would have to pay for her to come over and be with me.

It is that she really wants to come to the west. What kind of message does that send to me?: That she will go for the first guy that will offer her a green card. What about when she gets here?: Will she decide that now she has a green card, that she doesn't want to be with me anymore?

I do have very strong feelings for her...and I always will, but I just wish she had never mentioned her desire to come to the west. I know that perhaps she was just being honest and I cannot fault her for that, but it has tarnished my perception of what she really wants. I do not want to be used and hurt like that.

Sad as it sounds, but she might have got further if she had just lied to me about wanting to flee her home country and not mentioned it at all.

damilola_luv: So now you are from Scotland?? The last thread you first said you are from USA and later changed to London. Your fake fabricated story lines are getting to you. Next thing you will be from Germany. Smdh. I am starting to believe you are some fake alternate account. MuMU

Lmao. No, no fake account here. I have stayed in both the US and UK. Currently in the UK (Scotland) I am bored of trying to convince posters that I am genuine. I know I am. If you don't believe me, then don't.

Either way, I have worked out that she has partners (at least one). She has tried to get me involved with her...yet attempted to keep knowledge of her (possibly) many boyfriends from me.
...I don't think I want to even consider getting involved with that sort of woman...kind of disappointing that she would behave like that.

Something in my gut told me something wasn't right...now I know why.

Cheers though guys. I will remain her close friend.

TrickofTech: Oh yes. I am oyinbo. She knows who I am and where I am from. Look...I have told her that I care about her, but I have thought about it. I find her very attractive. But it was never really about how she looked (to me, she is very pretty). The reason I care about her is because I spent a long time with her and her family...they were amazing to me (friendly and kind). They accepted me into their home and treated me like one of the family.

We were very close and I liked her a lot...but it was more about admiration, respect and appreciation. I have seen what it is like to live in Nigeria. She and her family clearly had a very difficult life. I am not going to lie: I live a very comfortable life where I am from. This woman got up at 5am every morning, she worked all day (for very little Naira) and then came home and cooked and cleaned for her family until she was so tired that she fell asleep (exhausted)...she did this everyday. Despite all of this...she was so kind and caring. She was so dedicated to her religion...and she clearly had so much joy in her heart.

I don't think I will ever meet someone like her again (and I mean that)...and I will never forget her. I guess I was taken aback by what an amazing person she is. She lives such a hard life, sometimes she could be blunt, bossy and a little in-tolerant...but despite all of that, she remains a beautiful person in her heart.

I don't want to tell her I like her. I just want her to know (and believe) how special she is. To me, she is 1 in a million, it doesn't matter how rich or poor she is. I would rather stay friends...and spend my time telling her how special she is, than ruin it all.

I feel hurt and sadness (and a little bit of guilt) everyday because of her situation (and I mean this). I understand that there are many Nigerians (and other people around the world) who have the same hard life...but I did not get close to many other Nigerians (and other people around the world)...I got close to her and her family...and knowing that people you care about are going through this...and there is nothing you can do about it...is very painful.

But thanks for all your comments guys. Naija is an amazing country, and I will never forget it.

Phew! I am glad I decided on this option. She is a very nice person and I will always be friends with her...but there are somethings I have found out about the way she operates. I don't know if this is just her, or a cultural thing.

She has said very recently that she wants me to come back to Nigeria, not "one day"...NOW! Keeps asking if I would marry "Yoruba"
...I begin to think: she clearly likes me.

In conversation with her on the phone while she was at work and a guy takes the phone off her...introduces himself and says that he is her boyfriend. Asked her about it casually in conversation later...she says: "no he is my partner!"
"Ahhhh Ok!!" I say...(she kept that very quiet until now!) I wonder what her "partner" would think if he knew what she has been up to!

Then I remember she had mentioned to me once that she has "many boyfriends". Clearly playing games or doesn't know what she wants. I will steer well clear of that I think. Just friends abi! Where I am from, if you like someONE you tend to focus on that ONE person. The emphasis being on ONE.

Very strange that she would think it acceptable to hit on multiple men...while being in a relationship
...for women, it is enough to earn a very bad reputation abi!

Glad I didn't get my hopes up after all!
...At least I know what kind of girl I am dealing with now. I didn't quite realize she was like that. She puts up a very good front...clearly very sly and crafty.

Ah well... lesson learnt. Oremi I think abi.

Chillisauce: GTB require current account.

UBA requires savings.

Access bank, I think it's savings. Not sure.

You can ask them to get someone with a current account then send the money to the person, while they take it from him.
Meanwhile,it's over 3 months now and you still haven't sent the money.

The birthday go do finish sef.

I will have to see if she knows (trusts) anyone with a full current account at any of the banks...I already feel a little bad because I have suggested that she try other banks...poor woman has probably been running around trying to get it already

I do have a back up plan. Believe it or not...but I am acquaintances with the manager of an Access Bank branch near to her! I won't go into details about how!...but we met at a social function when I was in Nigeria and then again in his office (after he gave me his business card).
...so my back up plan is to call him and ask if he could do me a favor. He was always very friendly...and I was very polite to him. This will sound bad...but I could play on the fact that I am 'oyinbo' and try to persuade him to just pay her out the cash without an account (please do not take this the wrong way...I just want my friend and her family to get the money...and not be disappointed).

Winneygirl: There's a requirement that a Bank knows its customers, that's why most banks will not allow a transaction of such pass through them from a Non-customer.
.
Although, every bank also has its own policy, some banks will allow the use of a savings account. Some will also allow a Guarantor on such amount.
Let me make 1 or 2 enquiries.

Thank you so much I hope the family are not too stressed out by this all!

georjay: NO NO NO

Then why have GTB Bank told my friend that "I am sorry...you have a savings account, you must have a current account for 3 months to recieve a Western Union transfer"!!!!

Why?!

Is there a bank or shop that she can just walk into...and withdraw the cash? WITHOUT BANKING AT THAT BANK AND HAVING AN ACCOUNT THERE?

georjay: U SURE SAY NA BUFFDAY MONEY U WAN SEND...ABI U DON COLLECT CONTROL NUMBER....ABI DEM WAN USE UR HEAD...WICH ONE

Do you need an account with a bank...to receive funds from Western Union?

Please help me with this someone...it is driving me mad o!!! I am trying to send my dear friend some money from abroad for her birthday. Apparently her bank (GTB) require a 3 month current account before she can transfer the money!!!

This is ridiculous!

Do the other major Nigerian Banks (Access, Skye, UBA, Ecobank, Keystone etc.) demand similar conditions for a WU transfer? What I mean is...could a Nigerian walk into one of these banks, with no existing savings OR current account...and withdraw a WU transfer in cash?

I will be very if I cannot get her it by her birthday.

Thanks.

arbitrage: You almost confused me with your last post. See:

.............
No. its not that they require you have a current account with them,they want you to have "run" a current account with them for 3months consecutively....is that not absurd?

Are you saying you can run a current account with them without having a current account with them? So I think the previous guy's comment is correct that you are required to have a current account with them to receive Western Union/MoneyGram.

It's really funny for a country that does not even sends but only receives WU/MG. The banks (I think through CBN directives) increased the requirements of WU/MG not too long ago to include having account with the bank that you want to receive WU/MG from. It was not a requirement before. I would not know if current or savings account is what they were demanding then. I guess it all stemmed from curbing money laundering, drug trafficking and terrorism sponsorship policies that made all financial transactions to be monitored. They may have extended Know Your Customer (KYC) policy to the money orders too as a way to monitor who sends and receives funds worldwide. If that be the case, they should allow Nigerians to be able to send and not just receive WU/MG only henceforth, since they are demanding all our identifications.

Do the other major Nigerian Banks (Access, Skye, UBA, Ecobank, Keystone etc.) demand similar conditions for a WU transfer? What I mean is...could a Nigerian walk into one of these banks, with no existing savings or current account...and withdraw a WU transfer in cash?

Winneygirl: This is starting to look clumsy. I'm having a headache already.
.
They can redeem WU at any bank. Send them the details. The bank staff will guide them.
No charge to the recipient.
Seriously. Stop worrying.
Let me know you've sent it.

GTB Bank require a current account for 3 months before they will allow a WU transfer is this true?

Do the other major Nigerian Banks (Access, Skye, UBA, Ecobank, Keystone etc.) demand similar conditions for a WU transfer? What I mean is...could a Nigerian walk into one of these banks, with no existing savings or current account...and withdraw a WU transfer in cash?

If they cannot...my plans have been scuppered a bit

armyofone: agent? damn very serious and migraine ish than I thought.
No need for agent.
Go to WU, send the money, text them the secret question and ans and then the number to claim the money. They go to a bank with ID/passport to redeem the money.
This one wey you dey so, na long thing and at the end, your recipient will take home 20 dollars.
be careful of the online thingy.

Sorry guys but as I have found out. Yes you can do it online (it is all fine and above board). No, it is not $20 (well not for me anyway...more like $8...with no known charge for the receiver). Yes, they do still let to send to Nigeria and Yes, you can use your debit card!

jidegirl12: You don't have to send $100 if you can't afford the extra service charge, just give the WU agent the $100 and tell them to send the change, $80 (sebi you have$3change).. That's enough !

Man you just worsen my migraine .. You're handful man

Okay, okay thank you. I get it. Like I say, I am doing it online so I am not even using an agent. The family will have to use an agent at the other end though (Nigeria)!

Next problem...the family use a GTBank branch that DOES NOT have a WU agent/service. However, there is another GTBank branch a few streets away that DOES have a WU agent/service.

Will they still be able to withdraw from the WU agent/service at the other GTBank and then deposit it in their account...even though this is not their primary GTBank branch?

If yes...then I will have to go through the exhausting process of trying to explain this to them!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! lol

jidegirl12: Not Hauwa in your case

Lol. This is painful! Now even I have a headache.

Spoken to them...attempted to explain that I was going to send it through WU...not easy given the added language barrier! I am pretty sure they still don't get it. They were chuffed with the amount though.

I am going to just attempt WU and then text them instructions step by step. I just hope their ID matches the name they have given...that they wont have to "dash"/pay extra charges to access the amount...and that their bank branch actually has a WU agent/service.

Fingers crossed!

jidegirl12: Yep it's $23 service charge.

Really? Is that to withdraw? Or send?

Perhaps it is because I am doing it online.

I just don't want them to start charging at the other end (when the family try to withdraw). But from what it says on the website...this will not happen.

armyofone: Go with 130 dollars to WU office. Tell them you are sending 100 dollars to Hauwa . They will tell you the fee/charge which is about 20 0r 22 dollars.
You understand?

Lol. Ahhh ok. Well that isn't true. I am doing online. The charge is about $8 to send to Nigeria according to the WU calculator (and I have factored this into the amount I am sending). It also says "no hidden fees, no receiver costs".

I assume that's it...all done and dusted. They can withdraw the amount with no extra charges.

jidegirl12: WU

Over $100 is $20+ charge, over $1k is $50+ charge. Depends on state/province

Any amount will go a long way.. You don't pluck money off the tree abroad. Just send it already you're driving me nuts.

Ahhhhh. You are kidding me! So they will deduct the $20 from the recipient? Or forward it to me?

armyofone: well then, 100 dollar is it.
that's like 16,000 naira.

17 actually. I bumped it up a little lol. Plus I am paying the WU charge.

I just want to get it over and done with now to be honest! lol. Still stressing over whether they will appreciate the amount. You are right...I should have told them it straight out.

I hope you guys realize that I myself will find things difficult for the next few weeks. $100 is valuable to me given my current situation and it will make things tight for a while. But I do not care as long as they appreciate it and it makes them happy.

So please think before you comment.

armyofone: if you are rich, send them between 500-1000 dollars/Pounds.
Make them really happy.
If not financially strong, 150-200 is ok

Be blessed.

That would be great...but I am not rich myself, I too am trying to find work. It is a birthday...that I am trying to make extra special. It is a gift. I wish I could afford that much, to be honest I can only really afford around $100 dollars, although I am sure they will appreciate this.

I could have sent nothing. They did not ask me for the money. I remembered that they had mentioned the birthday to me when I was out in Naija...and after arriving home, I thought it would be nice to send a little.

Winneygirl: No problem with receiving the money.
The recipient should redeem it in a bank where s/he has an account. Should also go with a Valid ID card.
It's nice of U 2 do this.

Sorry but to be absolutely clear...because I want to make this as easy as possible for them. I understand that there is a question, a special number, that they need photo id etc. But how will they actually get the money?

Are there special Western Union shops/banks in Nigeria that they will have to visit? Or are you saying that most banks have a Western Union department/agent working inside them that can issue the money?

IvyBlue: Jeez ,op just send the money already ,

Lol I am! It will just be very expensive to do it bank to bank!...they will end up charging the family if I do it this way...so they will receive much less than the initial amount! DO YOU WANT THIS? No!

I am sending it...it is just complicated (I have never sent money abroad before).

Okay...I think Western Union would probably be the preferred option...given that an international bank to bank transfer is so complicated!...and GTB are likely to charge the recipient (using the $100). I will have to convince the family to use it though.

How do people in Naija receive money from Western Union? Is it like a cash withdrawal machine? I do not really understand how it works?

Does GTB bank charge the recipient to receive funds from overseas?

ademotors166: I wonder the back and forth...... If you want to give, give.
They are poor; I am not so rich; I am Oyinbo; I don't want to be condescending; Is 8000 okay; Ok I will do it for $50; No, $100 dollar is it......; Ahh ahan $500 is too big..... blah blah blah..
Abeg you wan send the money or you no wan send am. Clear make person see road pass.

Chill I am going to give it. I have been planning to do it for sometime and I wouldn't have told them that I was going to unless I meant it...I wouldn't get their hopes up like that.

As I have said, this is a genuine post. I just wanted to get a feel for how much to give. I don't really understand how much is a lot or little in Nigeria...and that is why I asked.

I just want them to be happy...that is all I care about.

Thank you to everyone that has commented