Legal actions against banks, is it really necessary to carry out such actions?
Make I no come talk too much. If you never get some unpleasant situation with bank concerning money matters you would not understand the pains for this bank money and customer wahala. Me wey dey talk have a fair share of my own too but I thank God though it took months but finally I got my money reversed.
Like I found on Rickard Biden facebook post concerning this matter, make I share am make we take to educate ourselves. Enjoy as you read. Make you no forget to read some comments of experience wey others get too.
Sometimes after hearing reasons why banks are dragged to court, you'll realize either banks are seriously underrating their customers or have a good number of staff who does. Is this True? If You Want to Experience Hunger Go and Live with a Wealthy Family
A few scenarios...
[1]. Just recently, a woman had to take legal action against first bank.
Her Reason: Issued a ₦50,000 cheque to someone, the cheque wasn't honoured, but after a few days, she realized her account was debited despite refusal to honour her cheque.
She wrote the bank for an investigation and possible refund of what was taken off her bank account.
Her first letter was never honoured, she wrote another, and was only told to come after 24 hours. She went, got "the matter has been forwarded to headquarters.
After 2 months, she lost her patience. After consulting a legal firm, she hired a SAN and dragged the bank to court.
After everything, the bank agreed to settle out of court, a total of ₦5 million as claimed for damages. Quotes to Inspire Compassion and Kindness
[2]. Mr. A obtains a whooping ₦7 million from first bank.
Reason, he was debited ₦48,300. But the person that's supposed to receive the cash never got it.
Mr. A had to make a cash payment after withdrawing from the bank ATM.
He filled several forms to have his money returned.
After getting the "Come tomorrow, your cash will be returned after 48 hours, he decided to file a lawsuit, at the end, a total of ₦10 million was claimed.
The legal team got over a million for his services.
These happened in Edo state alone.
Let's stretch it to Lagos State, Rivers, Delta and Enugu state.
You'll only realize there are many customers who face similar ordeals but won't know what else to do/
And I keep wondering.
Why not settle these issues before it gets too hot?
Do you have to frustrate a customer till he takes a legal action?
What profit is there to make when you spent several millions settling issues that would've been solved without a single loss?
And then after consulting a few legal practitioners, it was revealed that most times, these bank staff often feel the customer may not have enough to afford a legal action, and might stop trying after several failed attempts.
Sometimes we just have to know and understand how these things work because we can't keep falling victim at all times. The copyright from this post na from Mr Pinner 2021.
Now see some of the comments wey go make you laugh and also learn from the experiences of others. Bank una do well o! Nigerian Pidgin Proverbs for You to Share with Friends
Ikechukwu E Amaeshi
Me that's constantly on the lookout for an opportunity to drag any of these useless banks that I'm banking with to court.
Richard Biden
Ikechukwu E Amaeshi maybe one day you'll get the opportunity.
MikyyFirst Isaiah
Me, let me be praying they try that rubbish with me again sha.
Sometimes last year I bought some electronics worth 98k around new benin. I did POS transfer and it said declined twice.
Then I went to the bank to withdraw and paid cash.
Shortly after leaving the store I was debited 196k for both declined transactions.
The guy said it will be refunded. So I left the store. After 48 hours no refund. I went back to his store. He called the POS agents who said the money didn't go through but was surprised that I was debited. In fact, the guy was now thinking I was lying to him. I went to my bank they said it must be an error that the money left my account. How come it don't enter the other account. This took over 6 days. In fact, I almost fought with the guy I bought the things from sef because he said I was disturbing him for money it was boldly printed on the printout declined.
I went to my bank zenit bank and they said I should tell the guy to file a complaint at his bank but he refused to go. He said he was very busy. This was actually where I was pissed and almost engaged him.
Then I had to take it hot with my bank. In fact, I forgot I had an account officer sef assigned to me the day I opened the account. I just went through my contacts and saw his number. Then called.
Few minutes later he said the money was actually debited but never credited into the guys account. That I should come and fill a form and he will reverse the money to my account. That was how it was reversed
If I knew since, I for carry them go court na. At least I for get 20M.
Richard Biden
MikyyFirst Isaiah hmmm.
My brother. You'll now wonder why those you met earlier were so adamant to check properly before giving an annoying response.
MikyyFirst Isaiah
Richard Biden I tell you
Cynthia Mbanu
It's an error from the service provider. Calling ur account officer was the best and shortest decision u could ve taken. And yea u did.
Oche Joseph
That's how MTN blocked my number for no reason, I went to the office they said come tomorrow, their come tomorrow continue for more than a month they said they can't do welcome back for me,
I spoke with, my bank manager wife, she's a SAN
Did you know that, after she drafted a letter to them, that if they don't unblock my line within 48 hours, we will meet in court and she's suing them for 10 million naira, that the line they blocked is my business line.
Same day, I got a call from MTN office, apologizing and the girl that called said, my line will start working in 2 hours.
I was shock,
Those people think we don't know our right.
Richard Biden
Oche Joseph it's always like that.
They like getting the horsewhip before doing the right thing
Uchenna Obiahuo
My brother the matter, tires me.
Richard Biden
Uchenna Obiahuo i weak pass you baba.
Cynthia Mbanu
Most commercial banks are very reluctant and unprofessional though.
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