₦airaland Forum

wonlasewonimi:
In UK mate, as braket said they don't have to justify the closure. Most of the time, they will give you notification except when there is clear evidence of fraud

This is why I am an advocate of multiple accounts.

BTW, my favorite bank Starling won the best UK bank based on survey conducted by Which. Running away from erico2k2 now.

Please no wake erico2k2 up this early morning oh...

LagosismyHome:
And your link said exactly this

A bank does not have to explain why it is closing a customer's account, although in most cases banks follow good practice and give a reason.

Is that the summary or the link ?

If you feel your account was closed unjustly there’s a form there for you to fill and the banks ombudsman will help you..

LagosismyHome:
Exactly my point in bold .... you cant really speak of what you have no experience off

Nothing done without a reason for sure, but whether they disclose it to you is another matter. Only an inside truly knows what criteria they use in closing some accounts . Some could even be accidentally closed if it done by a program which can have bugs once in à while

One of my projects was an IT migration and during a process, several customer accounts were closed accidentally, some were caught and immediately reversed but not all. In that case those that were closed accidentally without reversing will just wake up to see their account are closed.

Yes I can ... read this if your account was closed and know the appropriate actions go take ...
https://bankomb.org.nz/guides-and-cases/quick-guides/bank-accounts/closing-accounts/#:~:text=Two%20of%20the%20most%20common,continually%20going%20into%20unarranged%20overdraft

There’s no smoke without fire

LagosismyHome:
Says who...

mine was closed with no reason. I definitely have never done anything fraudulent neither was it even an account used frequently so it was hardly used to receive or send fraud money ....

its always easy to think it doesnt happen until it happens to you

Nothing is done without a reason.
Police won’t arrest you without telling you why...
Immigration won’t stop you at airport without a reason.
My accounts or any of my extended family haven’t been closed before so I’ll beg to disagree

wonlasewonimi:
Banks are generally crazy in this country, they can decide to close your account without giving a valid reason. Most of the time they rely on automated alerts which could trigger the closure.
This is how they coined computer says No.

You mean in Nigeria ?.
Only people i know that have their account closed were people who used the account to receive or send fraud money. .......
Your account cannot be closed for no reason without any explanation to the fact.....

Are Uk banks racist?

Jazzman95:
Hello all,
My account was closed with no notice by Royal bank of Scotland and they are saying it can take up to 60days to get my funds out.

1. Has anyone experienced something like this before and would it really take 60days?

2. What could have prompted this? And what other banks are safer to use, please ?

My brother!!!
He that comes for justice must come with clean hands ...
Tell us the full story, bank won’t just wake up suddenly to start closing people’s account for no reason ...
usually they block your account if you’ve made unusual expenses and until you verify that it’s you making that purchase or transaction they’ll unblock it.
However if you’ve deliberately used your account to perpetrate fraudulent activities, then Alas your account would be closed and the said proceeds of fraud forfeited...

If you’ve truly spoken with the bank, they’ll tell you why your account was closed. I’m sure you know why

eddyonechoice:
Good evening Everyone.

Please I am in a bit of an unfortunate situation and will need help from anybody.
My international passport got lost upon my arrival into the UK and its been hell for me ever since. I have tried looking for it to no avail.
I have made efforts to get a replacement from the Nigeria High Commission UK but thats been a story on its own.
Please if anybody can help me with any contact in Nigeria High commission so I can get an appointment ( I have paid for replacement of lost passport and I'm told to wait 3 weeks to get a date)
I don't have 3 weeks to wait, I haven't been able to get my BRP card because of this and even open an account and other things.

Please no insults. The pain and guilt I'm having is enough, I'm depressed already.

Kindly help a sister. My Job is at stake too.

Thank you.

Sorry to hear about the sad situation... I’m assuming you’ve reported this to the nearest police station so as to get a case reference number and a receipt so you can use it as additional evidence when you contact Home office for you BRP card. W

Humans are so difficult to please ... People were complaining just few months ago that the lockdown was too much. That scientists should find a vaccine and now there’s a vaccine people are still complains that the vaccine is this and that.... ..

Isn’t that funny?..
Even if God carry that vaccine come down from heaven some people will still be asking him how sure is he that the vaccine is not from the devil...

If I talk now una go accuse me of smoking Ijebu Egbo...

RalphJean:
You alone ohhh...
You have 2 friends.
Both of them overstayed.
Both of them got married.
One listened to her lawyer and she somehow ‘escaped’
The other is now trying to do what the first one did.

As a friend to both of them, all you need to now do is to connect the one to the other and let the other tell the one how she did it, and escaped.

Check your database, you probably know a third friend who overstayed for 12 years and is now married to a British citizen.

Oboy too much wisdom go kill you one day oh
change ur name to SOLOMON becuz you too wise

Monmarri:
Many thanks for your time. I appreciate. Thank you.

Some do get married and home office will not find out. I have a friend who told me she came to the UK and stated 3years as overstayer, got married and she keep applying to home office and she was getting refused. Later her lawyer adviced her to go back to home country and apply for spousa visa, which she did and she got the visa last year, She is now in the UK. Some can be lucky to get married.

I agree with you but the problem with her story is that her passport is in Nigeria. So what documents did she use at the marriage registry?.
Documents for proof of identity in registry is ur passport to show your nationality...

That story get K-leg jor....
let me go look for something smoke jor

Lexusgs430:
LAREDO..........

U be mayor of London,Essex and Kent.. no joint you no Sabi

Lexusgs430:
Fire brigade approach would never fix it........ They need to think long term strategies, work toward them and be seen to implement them..........

Not all their usual audio policies......

Today I discovered the suya joint behind Signet.. That’s suya go well oh ... Have you been there before ?

deept:
People, can you please create another thread on whether Nigeria is worthless or not. You will not convinced the other person on your thoughts.

A things worth is based on the value to place on it. For thishrguy Nigeria is worthless, for some of us it still has some worth and hopefully things change. We only appeal to those with the opinion that the country is worthless to please help us not continue to bring Nigeria down for those of us who still hope not to even drag her down the more by posting these narratives on socialedia we don't know who is reading and the more damage it might cause.

In other news cold is catching in the Aberdeen, what do you guys do to keep warm? Childcare is expensive.

For the guy looking for Nigeria food, go and marry. Quickly signs out and deactivates account before our strong women come after me.

Bro’s I’m married with kids, but my wife is not my cook... I can cook but I’m too busy hence the need to buy Naija food....

As for childcare matter we all dey inside same boat

erico2k2:
If i talk now nah my shyte go smell pass dem go say I B OLD school and in reality many of dem senior me here, Green P worthless I rest my case!

Who go wake u up ?. Go back to sleep Biko before u go raise hell

Wahalla for me wey no get passport... I beg make I shift

Mamatukwas:
I know someone but she’s in Bristol and can deliver. Even me I’ve just sent my Christmas list to her. Better South South Cook.

Wow south south are the best
Bristol is far ?
Before that food gets to Essex, I’d have died from starvation...lol

Please Who lives around east London or Essex and does cooking services?. Ur services is required..
Please indicate( better soup oh no be all those yeye stew soup) not egusi+stew or afang+stew

LagosismyHome:
At 20 years why not focus on education.... once you can graduate well or focus on education, you be surprised on how there are some scholarships opportunities that can open doors. Even if it not UK but USA or other countries

Dont be in a hurry, life has its stages. Early 20s should be time for education in my opinion. If you have the money for UK university for Undergrad which is super expensive then go for it. ...... check the student thread as it rich with information regarding schools...If you dont then focus on schooling in nigeria and graduating well... your mum shouldnt really depend on you if you mean financial, that too much pressure to put on a 20 year. But maybe that not what you mean

Just like the lady advice above, it’s either you get yourself some education or get some skills (handwork/trade).... You are ambitious but this is not the right way to go about it....
if at 20yrs old your mum depends on you then you should be thinking of other things than travelling overseas. Unless you get a scholarship or a sponsor, it is really expensive.....

umarwy:
This is the conclusions I always arrive at when ever I get stuck in discussing Nigerian problems and issues.

The government, and the masses are all meat cooked in the same pot.

We need Orientation, and reset of morals and mindset.

Because as it stands now, if all the current politicians are replaced with all new youth. Same things happening now will keep happening.

It’s very unfortunate..... We need Devine akpako from heaven to help clear our head/ reorientate us.....
If u are not ready for aggression, violence and intimidation then you can’t live in that country....

erico2k2:
Im not one that belong to the school of sitting on a fence, in this.as a matter of fact I have bought land B4 from a community a very troubled o be at that, ask of Oghara people where Ibori is from then you will understand. This was how it was said it was the kings, No to bore you with details they have to give me a 200x200 to replace my 100x100. as I have started a hostel foundation and got materials to the site. Look land business is a dirty business if you ain't ready to get down and dirty don't go into it. There is not a Gentleman in it

But sir Erico, is it really worth it?.
I’m sure you are aware a lot of people get killed, poisoned because they were busy fighting for land...
Sometimes it’s good to take 2 steps backwards to move forward...

Please what’s a good recommendation for life insurance ?

Lexusgs430:
If it's the same company I am thinking about..... I raised my concerns on the thread, created on nairaland some months ago.......

Does one of the directors, claim to be a lawyer?......

I presume you paid via bitcoin too.......... You simply have been had...... Use this experience as paying school fees, into the never never school of scamotology..........

The scammers have 5G'ed you......

My chest

Aphrodite007:
Hahaha!!

Since 2010? Wow that’s a long time sha.

Ye they sold the plots I bought to multiple persons and decided to give me somewhere else but I refused and we’ve been in court.... I’m thinking of taking up there offer now with certain conditions so I can move on....... I’m too young to be having these headache make I no come die before my Elders

deept:
there is someone owing me money too o. how much for your services? we will share the money 50-50. No win no fee

Me too go need your services oh. ... land wey I reluctantly buy since 2010 dey court since .... me sef done tire leave am.... but now I get hope say help is at hand

TrumpsWall:
Prepared all my evidence say las las go reach court as I no wan make this money go!

I sent the company and agency an initial email without the end client. This prompted meetings lol and has now been resolved.

Thanks for everyone who responded . Make I go spend am for somewhere sunny

Congrats man, I’m glad you got your reward for your hard work. Welldone

Chukwuka16:
I thank you all for the posts and counter posts - all insults are indeed welcome.

The essence of my post was/is to stimulate a discussion/engagement around the issue of investing in Nigeria and not returning to Nigeria - there's a wide difference between both.

As you continue to ruminate over investing in business opportunities in Nigeria, please be reminded that Nigeria's growth and development will largely depend on the growth of cottage industries. While the government in Nigeria has indeed continued to display lack of capacity to initiate enabling policies that can stimulate growth especially in security, electricity and road construction, we can't ignore other noble strides by this government (revised finance act, ease of company registration and tax clearance certificate filings).

Don't be afraid to lose money in investing back in Nigeria - learn from such process and be very prepared next time. I have lost money and gained money. That's business. I learn, plan and invest while hedging my risks - I adopt diversified portfolio investment methods. I create jobs and feed families - that's value addition back in Nigeria. That FDI is important because other businesses also benefit from me - accounting, auditing, lawyers etc.

Elon Musk today sends astronauts to the ISS but we fail to recognise that he had failed multiple times prior to that. We learn from failures and do better in our next attempt. This is no motivation but truth.

As I conclude, I'm reminded of this provocative statement - why tiptoe through life only to arrive safely at death.

There’s a saying “If dog bite you once that dog dey craze, but if you allow that same dog bite you again, na u dey craze”......

We all know how hard we work in this country (Uk/Europe/US) before we can get enough funds to think of investing back home in Nigeria.
Before you can even think of investing in Nigeria as a migrant, you must have settled all your bills in here the UK..
So if say for instance someone on minimum wage manage to save 5M Naira to invest in Nigeria and next thing you hear government want demolish or land sellers done change the agreements, would you still be advising people to invest again in the same failed endeavour?..

DisGuy:
True

Just as chukwuka alluded to in one of his previous rant topic

lol hahaha...

dustydee:
I was looking at it from the exchange rate angle. The naira could appreciate significantly in the future.

I like your positivity, however the Naira would never be equivalent to £/€/$... Even if Nigeria diversifies her economy and becomes a major exporting country, we’ll still not get exchange rate of #300 to 1$...

LagosismyHome:
N1MILLION in 2010 was about $5.5k, today it is $2k.

Something to Think deeply about .... while promoting nigeria investment.

This hasn't even factored in stress, wahala , instability ... we are just talking value of money .
So even if I doubled that 1 millon money to 2 million, it just back to my initial investment in terms of foreign currency as we are based abroad. Now how many investment in naija return 100% back

You are absolutely correct don’t let anybody tell you otherwise.
Why are Nigerian government officials investing in real estate/ properties/ offshore investment overseas and not in Nigeria?. and at the same time they are asking people to invest in Nigeria....

My elders say “no be everything way eyes see mouth dey talk”

erico2k2:
Bro say no more if anyone like vex but I stand to be corrected, its those in these categories that castigate people going to Invest in Nigeria
1 The lack the business environmental knowledge in Nigeria
2 never done any sort of business before, straight from Uni to the Uk or any abroad
3 have no money
4 have no papers
5 pretenders
6 kids
etc

This ur statement is a sly form of BULLYING as per typical Nigerian man...
Wether people on this forum are kids, have no money or have no paper how does that put food on ur table ?...
Why not stick to the point of discussion rather than trying to boost your ego.

Las Las you are a migrant, I’m a migrant most people on this platform are migrants so no migrant is more migrant than any other migrant....

My brother take this life easy oh

Chukwuka16:
Nation building as a process entails engagement especially in the form of debates and intellectual exchanges.

Assuming that having prejudiced opinions on issues that centre on national development is freedom of speech is simply mendacious at the least.

What has promoted democracy across the nations and continued to sustain good governance has been the preservation of platforms that necessitate for continuous engagement. Think Westminster.

Personal opinions around issues like euthanasia or sexuality which have no direct relationship with historical development and growth can be respected without even having the need for justification, however to stimulate and precipitate radical transformation in Nigeria, we must be able to demand from citizens reasons for their decisions on germane issues.

It is not enough to come on this platform and state that investments in Nigeria is a risk considering that such statements have the tendency to influence borderline potential investors. You have got to come with reasons and be ready to engage constructively with others who may hold contrary views.

It is only in such engagements that enlightenment can be achieved and learning can take place. Our kids are watching and would ask us serious questions tomorrow. Their ability to be critical thinkers would be better shaped by how much of such they can learn from us.

Lastly, there is a pathetic story I saw on SM recently. Mcedopikin a popular comedian in Benin posted that during the last #EndSARS riots, no bookshop was looted. That speaks to how knowledge acquisition has been pushed to the rear among youths. A lesson from this is that we must ensure that our support for respecting personal opinions isn't on the basis of insufficient knowledge.

This is not an attack but a debate!

You have you points which you’ve gathered from ur experiences and information available to you, however they still remain your opinion. It doest make them right or better said it’s not a general opinion. If Nigeria was so full of potential or so forthcoming, why haven’t you returned back?...
Tell me where I history have you seen people looting libraries ? In the 2012 London riots was the British library or any other library you know looted? In the just so recent BLM movements/ protest did you see any part of the world were library was looted ? Looting or no looting libraries is not a Nigerian problem. The essence of looting and vandalism is to make a statement to either a government or particular body.

Lastly the people saying investing in Nigeria is extremely risky must have done so themselves and have arrived at the conclusion....

It’s not an attack it’s a debate

Some of una for this forum go soon carry cane flog person one day ...... U complaining about lack of free speech and human rights in Nigeria and yet you guys won’t allow people state their opinion on a faceless platform without condemning/ undermining them.... lol..
Investing in Nigeria is not for everybody, let people do as they wish ....FFS stop trying to force your one sided opinion on people