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Illegal ATM Withdrawals: How To Seek Justice?

Good day everybody,

Please I am writing to seek advise/guidance from anybody who may have any to offer. Sometime last year, a large sum of money was withdrawn from my GTB account, yet I did not lose my ATM card at any point in time. I wote GTB and they replied me that my PIN must have been compromised or somebody I knew probably used my ATM card. In short, they passed the buck right back to me. I felt really incensed because none of these things happened, anyway they promised to get the picture of the fraudster who made the withdrawals.

In my reply to them, I anchored my case on the fact that shortly before and throughout  the fraud withdrawals the bank did not send me any phone or e-mail alert, which could have alerted me to complain earlier. Interestingly, just after my account was completely looted, the bank started sending alerts on any transactions on my account. Till date the bank has not replied my letter. Now I am contemplating a legal option but I want to know what my options are and if I stand any chances.

Please what are my options? I anchor my case on a simple premise which is: GTB failed to discharge a service of giving me alerts on my bank acount, a service for which I pay for, as a result of their negligience I  lost  a fortune ,therefore I am seeking a redress for the financial loss Do you think I have a case? if yes do you know any legal practitioner or group that can help me in this regard?

Kindly let me know if or how I should proceed to handle this.

Many thanks,

Ayo

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81 answers

If after laying complain in you bank and they refuse to show you the picture of the person from thier archive, then go to the police station. with police report, the bank will surely release it. If they still refuse, The police can issue a court order to the bank to release it. Make sure you fight for your money boro

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My friend, I would advice that you lodge a complaint with the Public Complaints Commission office nearest to you. The commission has offices in every state of the federation,so find the address of the commission in your state capital and seek redress through them. The advantage in their involvement is that they will cause whoever is to take appropriate action on your matter to do so,that is, if you are absolutely sure that your loss was not caused by your own negligence in the first place.

Ibilamam

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Hacking is the most common way of stealing in this twenty first century.

The entire world is going digital; a total deviation from the physical to a paperless economy.

Ninety percent of the major financial transactions are basically done online (credit and debit card payments, online bank transfers, e-currency account transfers, etc). As the economy is drastically changing, so are the patterns of criminality.

For the fact that majority of the people do not carry about cash any more, offline stealing is fast become unpopular, less profitable and frustrating to miscreants. As a result, 85% of criminal activities are now headed toward the internet. This has marked the beginning of cyber crimes in the world today.

Our financial institutions are aware of this and for that, they employ sophisticated security gadgets, professionals and powerful software to protect their systems and websites, making it impossible for these cyber criminals to penetrate.

The cyber criminals know about this and so focus more of their attacks on individual account owners who are busy with their daily moneymaking activities. The innocent hard working individuals on their own side pay less attention to their bank accounts, debit/credit card accounts or e-currency accounts with the false hope that they are secured. Of course the financial institutions are well secured…not you.

Bitter experiences of these days point to the fact that people work so hard on their jobs or businesses only to one day discover that their long month savings have been carted away from them just within seconds. 

A recent survey of IT managers and security firms identify Spyware as public enemy number 1.

According to their research, businesses report Spyware incidents as rising sharply in recent months. Typically associated with unprotected individual or publicly used PCs, spyware could soon qualify as the Top security headache in the corporate world.

Bearing this in mind, one really has to be very careful so as not to give chances to any miscreant from gaining access to his or her e-currency or bank account at all cost.

You need to fully protect your hard earned money from HACKERS either through ATM or others.

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ideally CBN should take a stand here. Moreover Sanusi is always touting about protecting the depositor. I suggest a special department should be opened at CBN where victims could lodge their complains and receive prompt attention and relief. ANd there should be clear penalty for banks that compromise their security. this is important because most fraud have internal support from the bank staff.

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go to your bank and complain, they will help you out

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illegal ATM withdrawal has been very rampant these days and it is up to each one to beware. Never disclose ur ATM card PIN NUMBER to anyone or use ATM machines at Non-banking designated areas. These tips will help a lot.

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Atm Withdrawal fraud is going on now at Oceanic bank

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if it's the kind of cash you can leave, leave it. you would end up spending more money taking them to the court, unless you just wanted to keep nairalanders busy!

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Got a publication on ATM card protection. Go to www.2incstore.com/atmprotect.htm

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You can avoid being defrauded by these ATM fraudsters. Go get a verve card which is chip and PIN. It is certainly more secure. But please be careful on how you expose your card details and you PIN. If you still use a magnetic stripe card please ask your bank for a change to chip and pin. If you dont really understand what i mean, go to your bank and ask questions. It is best to protect yourself than allow yourself to get hurt and then looking for redress.

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I will implore you to first of all try to use diplomacy. Lets see where that goes. This is because, GTB (and all the banks)usually issues disclaimer dissolving them of any liability associated with withdrawal through the use of ATM card after a customer might have collected the card from the bank.

If you decide to sue them, i am sure that they can ultimately afford the best defense lawyer and so the lawyer might argue that you withdrew the money yourself except of course if you can establish that you were not within 500 metre radius of where the withdrawal was allegedly made. This happened to a friend of mine 2 years ago and First Bank only said he could go and bring his lawyer for all they care. In any case may be you should try to contact the EFCC if there is anything they could do (atleast they could persuade the bank to give you up to half of the amount on certain conditions)

GOOD LUCK!

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It is all about GTB and ATM fraud Haba

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I believe you work at GTB and had not been defrauded by this means before. I am quite aware of the rudimenst you are trying to explain, and coplain is that despite all that, people still get defrauded. The anoying part is that the bank dont do anything about it. My case happened May 12th 2010 before the campeighn for change of ATM card started. they told me, they would investigate and at least get the picture of the perpatrator, and till now 26th August 2010, they havent gotten me the picture nor even made a call to tell me how far. Am trying to get over it, so dont get me upset the more by trying to defend GTB. let them just get me the picture as promised and leave the rest to me.

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The first thing your customer service officer would ask you to do at GT Bank is to change your ATM pin as soon as you receive your card.That rules out an Insider abuse.

Every GT Bank branch has a CCTV camera covering the front yard.

One other point you didn't state was when the event occurred, because GT Bank has asked their customers to return their old ATM cards as it will expire on August 31, 2010. They are to be replaced with a mastercard ATM that is more secure.

If you have the new one, then I'm afraid your card was compromised. No case there.

ENJOY!!!

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The same thing happened to me the same way. i checked my balance on-line in my office before i left office at about 6pm. on getting home at about 7.15pm, i wanted to make a withdrawal and realize my account was empty. i couldn't run to the bank at that time than to wait till next morning. On getting to the bank, they started pittying me and were so helpless. they laughed at my letter of petition. up till today, I've gotten to response since may 12Th. in no doubt, there are fraudsters among GTB bank staff and they carryout this operation while they are closing. i have resolve not to use ATM again as am advised by their bankers. i just witdraw what i need for the week every Monday.

the worst part of it is that they are not doing any investigation because they know they are not innocent of it. i will stop using GTB and i advise everyone to close their accounts with them. everyone that had been defrauded via This means had banked with GTB, why GTB?

GTB Oleeeeee!!!!!

GTB Oleeee!!!!!![/size][size=8pt]

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The ebook is now ready:

How to Protect Your Bank Account From ATM Fraudsters. Available on http://2incstore.com/atmprotect.htm.

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It is possible that bank workers can withdraw money from your account but even if it happens, it can be traced and since it is an in-house issue, you will be re-imbursed if that occurs.

Sale of any troubled banks is not liquidation. It is simply transfer of ownership. What will happen is that a new investor (s) will buy off the equity that the Fed Govt has acquired by the cash injection into the troubled banks. The move will actually be better for customers because the process will produce the best hands to manage the banks, so the era of giving out loans to cronies of the bank executives at the detriment of businesses that actually need those loans will hopefully come to an end.

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please i reside abroad and i have a savings acount with bank phb, but i really wonna know if my account is save.is it posible that bank workers could withdraw your money from ur account?,i dont have any card for the savings account,

will apreciate coments on this ,

secondly, what happens if the troubled banks are sold, i mean those of us that have account with the troubled banks, if they are sold, wil our accounts remain sam ?.

thx

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@All,

i did not read all the posts incase an answer to my question had already been provided earlier, i have an ATM debit against my account with FBN that has been pending for 6months. is it possiblle to investigate the transaction via interswitch? does anyone know a contact i can get in touch with?

thanx in advance

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pls log onto thier website and lodge a complaint via the contact e-mail address. I am sure First bank is reliable.

best of luck[font=Lucida Sans Unicode][/font]

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need to state here that i am very convinced at this point that GT BANK has gotten bad eggs in their work force.In march my broda was praying in d mosque when he recieved series of tx mess.He had been defrauded to d tune of 300,000k.After a proctracted wait,they eventually sent a third letter yesterday stating that they are not liable for the loss. Its so painful,i bliv d staffs maintaining their database are prime suspect.

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dear poster,urs is pathetic.losing such an amount.first and foremost,ensure that you fill a complaint form at gtb so they could ascertain if cash was dispensed.atimes,d cash withdrawls could be unsuccessful and you,d be debited.its a network thing that could be easily reversed.

secondly,if withdrawal was made,i,m sorry u dont have a case with the bank.like someone said earlier,atimes pple use their cards in crowded places or even enter their pin in full glare of pple standing bye.they also forget to pick their receipt which contains d card no.thats all d criminal needs to withdraw.he clones an exact replica of ur card with the card no and use d pin he sighted.u might be surprised to be in ph and cash is being withdrawn at the same time in lagos with same card no.pls ensure dat card is blocked immediately.also ensure u get a visa or verve card as approved recently by cbn if u dnt hAve one.they cant be cloned easily.if u make a case with d bank,chances of winning is 10-20% cos it,ll be termed as negligence.also be careful abt using ur card in public atm.cbn has instructed dey be dismantled.these thieves have a device dey slot in(cant remember what its called again)which captures all ur details d moment u slot in ur card.there,s nothing wrong with atm.ve had mine for yrs without a single prob.al u need is to be careful and stay informed.finally,pls dont divulge ur details to any one or organisation dat asks 4 ur pin esp.via mail or sms claiming ur card needs upgrade!

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@Pak, well it's ok bt ,like u, i also feel u did nt really ustand my position.i guess d feeling is mutual somehow, howbeit nt accurate.

No i dnt work for GTB, neither do i hv a family member dt works there, i'm a man of the research laboratory with absolutely no inclination 2wards commerce-related careers.

If u read my initial post again, i DID NOT THREATEN legal action against gtb, no. i said i was CONSIDERING it as an option, dt ws why i asked for inputs anyway.little shades of semantics cd mean a lot. I'm considering dt cos in my case d bank is saying im guilty of carelessnes, which im nt. This is 1 area where urs is different. Yes i understand d bank is passive abt it bt d bank hs nt said to u "no, we cnt do anythn abt ur lost money" i thnk the 2 are different.in my case they said dt!!(well maybe they said dt bt u hv nt told us dt)

I capitalised my words in d context of logical reasoning and personal experience and d experiences of many others dt i know. It's d same as somebody saying "ur father WILL NOT kill u, i ASSURE u", dt doesnt mean fathers never kill there children, bt within d limits of reason, considering d odds for and against, a person might issue such assurance. Wen i said dt im simply saying dt u hv a case, d bank knows, d bank hs nt outrightly said no u dnt hv a case, many people hv experienced d same thn & they hv resolved it without going to court(I hv done 1, at least), u will waste time & money & ultimately kill a mosquito wt a scud missile, so i concluded it ws nt necessary

wanna hear d truth? banks are never serious, all banks r neva in a hurry to attend to ur complaints,all banks show apathy, lassitude and passivity when relating 2 customers, in naija !!

Understand dt in my case i ws nt ard d country to give proper follow up.so urs doesnt hv to take dt long. though when i showed up it still didnt move as i expected. But some peole hv rsolved theirs in few weeks. Injustice of any kind makes my blood boil, while im angry at such a system dt deprives u of ur hard-earned money, im also realistic enough to know dt such things happen in a country like ours. Its dis thot dt takes d pressure out of u and makes u pursue ur money. I ustand dt its nt very nice while u r waiting and going round to talk to some people who thnk they r doing u a favour by being ur bank. See dis is nigeria!!thns dnt happen as fast as u thnk they shld. And to be fair to d system, inter-bank stuffs , expectedly, may take some time. In my own case, when my wife was threatening fire and brimstone, and she felt i was too understanding, i took her to d bank manager who graphically painted d difficulty of tracing such money, while also admitting their own laxity and irresponsibility.

If ur bank , for example, can push things fast, cn they go and push d other bank? Im only saying u might need to be patient cos experience hs shown dt u will win.

However if u still feel dt im holding briefs for d bank, please feel free to institute legal action o!!!!! bt , if my statistics was right as at january 2010, u wld be d first person to sue a bank over non-dispensing, and wrong debiting by a money machine. of course ther's no prob wt dt .

I was taught dt d shortest distance between any 2 points is a straight line. bt of course even a trapezoid itinerary wld lead there, after some time

So dis is my story o, nothing personal here, jst advising like a friend, pls excuse my, whatever u see it as, bt i mean absolutely well.

I share ur pain, im going thru mine quietly also, and believe me im still using gentle diplomacy with d bank now despite d fact dt d lost money ws part of wt i ws supposed 2 use during d christening of my child!! i knw if i push dem too hard and too rough and threaten court action, they will say fine lets go, and i will spend millions to look for thousands.dt doesnt mean iv ruled out legal action bt its my last resort.

opinions are like noses, everybody has one, if u feel differently, i ustand, no prob at all at all o!!!!!!!

sorry for writing a volume

i rest my case

Good luck man

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@Tundekas

Thanks for sharing about your case, quite encouraging

but the issue is, mine was an inter bank transaction i.e. used a GTB card on an oceanic quickcash ATM

and its already over 3 weeks and I've definitely been to the branch where my account was opened.

@nuero

Thanks for your response

but am quite suprised at your take on my post

You opened the thread and threatened fire(legal action) against GTB

I have just complained about a problem with the same bank, though not exactly same as yours but

still involves being deprived of ones hard earned cash, and you are advising (and infact pleading with) me not take

a legal recourse.

You were infact 'ASSURING' me and telling me i 'DONT' need court action in caps.

Are you a staff of GTB or CBN or EFCC or NIPPS or what ? How come you are bold enough to

give such assurances, something does not smell right here.

If my case goes as yours, that means I will be denied of value for my money for 11 months.

Can you imagine if perhaps I become a multi millonaire by that time, then the value of 40k will no longer

be the same to me and I would have lost the value I could have enjoyed on it now forever.

Or If God forbid, I need money so much very soon and I have to borrow 40k, will they agree

to pay the interest on my loan then ?

My major problem is even their lackasaidical attitude, just telling me 'pending' and nothing more

I work in IT and I know it takes less than a day to get responses from Interswitch as regards transaction details.

Am not angry neuro just a bit taken aback by your angle.

however am still open to advice as regards my next course of action

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@Pak

@tundekas

pak, ur case is different, ur prob ws incorrectly dispensed cash, & dt happens quite freqly.I hv had several of dt as well, and d last i hd ws at a UBA bank using my Skye bank card. i jst got a refund last month, and d incident happened last year july!! Dnt be scared though,i wsnt in d country 2 push strongly. i hd 2 do everythn by correspondence

however I ASSURE u,u will get ur money back. Pls b patient though, cos it takes some time. and u DON"T need a court action,its nt so difficult.d prob is d 2 banks hv 2 communicate, then d bank dt owns d ATM machine wld literally rewind their books to locate d undispensed money, and coupled wt admin bureaucracies, time is inevitably lost. try to be patient.

in my case,somebody actually used an ATM card to withdraw money frm my acct while my card ws still wt me,i got to knw only when i met an empty acct wen i went to make a withdrawal.

Totally different man

regards

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In this kind of senario, it doesnt take more than two weeks before the money is refunded. i had the same experience with first bank. in my own case, my account was debited wit N4.000 and no money was dispatch. i went straight to the bank manager. she told me i should have patience for a day or two that the money will return. i told her i needed the money urgently if their is anything she could do to help. she told me nothing.i went to the main branch where i opend the account.report the case.they had to send letter to the branch of first bank where my money is being deductd. believe me i waited for two weeks before it was refunded.i suggest u report the case to the branch u open the account.

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@OP

Am sorry to barge in on your thread but I have a similar case and I'll need advice on what to do because this GTB guys are really dissapointing me and making me angry.

Over two weeks ago I tried to withdraw N60, 000 from my account from an Oceanic Quickcash ATM at an airport using my GTB mastercard.

Only N20, 000 got dispensed but 60, 000 was deducted from my account. I made a complaint at GTB and thats where am really losing my cool. They have been so lackadaisical about my complaints, The ATM officer just told me she has sent the request (for over two weeks) and the response is pending, no confirmation of my partial dispense, no refund, no promise of refund, nothing just pending and am really losing it. Infact the ATM officer told me point blank that there is nothing I can do about it, I asked her what other steps she (or her bank) can take and she just said nothing

Though I hate to go through this stress for 'just 40k' but its my money for crying out loud.

I intend to escalate my pursuit of this case next week and I already have some course of action in mind

but am still open to advice from informed Nland members or people who have gone thru such an ordeal before with GTB (or any bank for that matter) on how to handle this issue

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thx a lot for ya concern tager.cheers

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After carefully read the Whole posts here,

I'm thinking of saving my money under my pillow rather than put in Banks.

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It happens in every bank. I lost N80,400 last year from my Oceanic account. They claimed it was withdrawn from a Fidelity ATM close by. I approached Fidelity and they boasted of having a picture of the thieve. After stringing me along for 2 months, they told me they can't release the picture unless my Oceanic branch writes to the Oceanic headquarters in Lagos and the Headquarters writes to their head quarters and they recieve instructions. Then they will send the photo through same channel to my branch. Why would Fidelity bank try to protect the identity of a thief? At that point, I realized what was going on.

Money is not being withdrawn by anybody. The banks have insiders who steal customers money. Unfortunately for them, they have no infrastructure in place to trace. In order not to take responsibility and have to refund customers money back, they simply accuse you or waste you time till you get tired. To make matters worse, Interswitch does not have a clue on how to secure the card system better and being a monopoly, they simply don't care.

Till today, a year has gone by and the letters have never gotten to their destination. I have also not gotten any money back. It's really sad and I weep for Nigeria to see so much being stolen from people trying to make a living and yet, CBN is nowhere to be found.

By the way, you people calling others silly for releasing PIN, just wait till it is your turn. My ATM card never left my pocket.

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I only pray you dont fall a victim. It can happen to anybody. Just be on the guide!

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In my own opinion, i think some GTB staffs knows so much about this act cos most of the ATM frauds happen thru their bank. Greater percent of you guys will simply agree with me you do receive series of fraudulent mails from these people with GTB emails addresses, so I strongly advise people to stop using ATM cards.

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Why is it common wit GTB? same thing happend to my neighbour, a student. we stay in abeokuta.someone in festac deducted N5000 from her account using a cloaned ATM card. All GTB could offer is for her to apply Another ATM MASTERCARD. she has accepted her fate. i run the gtb as well. i get all sort of fradulent email on daily basis. something has to be done.

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Why is it common wit GTB? same thing happend to my neighbour, a student. we stay in abeokuta.someone in festac deducted N5000 from her account using a cloaned ATM card. All GTB could offer is for her to apply Another ATM MASTERCARD. she has accepted her fate. i run the gtb as well. i get all sort of fradulent email on daily basis. something has to be done.

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I thank u all for d different shades ot opinions and suggestions

I hv nt been replying to individual posts cos i did nt get a reply notification frm NL, maybe its cos i changed my email ad sometime ago or cos d post was moved frm another section.

anyway thank u all.

Well, i cnt understand hw d PIN cd hv been compromised,d odds r stacked heavily against it.

At no time did the ATM card leave my possession. When i went to complain @ d bank I showed them my ATM card

The bank said it wld investigate and get back to me, I just sent them a reminder

Yes i was receiving transaction notifications well before d incident, but shortly before d fraud withdrawals they stopped, and almost immediately after d acct was emptied the resumed.

Yes i knw dtits extremely to prove that there ws no PIN compromise, yes , dts why my argument is on d negligence of d bank in sending alerts, a service for which they charge me. Dt i cnt prove dt there wnt PIN compromise does nt mean there was,there r many thns we knw r true bt which we cn neva prove.

I read extensively abt d different ways fraudsters perpetrate dis evil, and it may interest those people who support d PIN COMPROMISE THEORY dt there r many ways this thn is done. Just pray u dnt fall a victim

I thnk we will continue to use ATM anyway, every technology has its archille's heel.

Again, i wrote to get suggestions and advice, nt to try a publicity stunt, i hv nothn 2 gain frm dt rubbish

Thank you all well-meaning NLanders, im most grateful.

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Im waiting for the day somebody would take them Banks to the Court and win,that wil teach them something, here in the Uk,banks are laible if your money was stollen as far as they cant prove you did the withdrawal yourself.But in Nigeria i think most of the banks still operate in the one layer security system on bank cards, but last time I was in 9ja I noticed some banks have upgraded to the 2nd layer technology in first bank they call it Verve card I think. and it seems most people on here are confusing CHip and PIn technology with the ordinary swipe cards even though there is a chip and you use pin code,in swipe cards which are the ordinary cards there is an intaraction between your card and the bank Via interswitch but with verver car which has 2nd layer security its intaraction is just with the ATM and the card end of,so for your card to be compromised the thieves physically need to have your card in thier hand and cloned or you put your card fru a compromised ATM and also they very importantly,they dont need your pin.

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@Jeffman and countryman, thanks a lot, may i communicate wt u guys via email?

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My guy, sorry once again. D truth is dat banks generally are SCAMMERS (thieves). I hv always made it a standing principle never 2 use ATM after my ordeal wt UBA. So I moved 2 Fidelity bank, unlike previously were u open an account without asking questions, I did:

1 Do u charge online transfers? Ans; No

2 Do u charge any form of service charges? Ans; No.

3  Must I use d Atm card? Ans; No.

4 Any hidden charges? Ans; No.

So I opened the acc. Banks as a matter of law ar mandated 2 give a customer, monthly statement of acc. but they don't, so dat u don't see d ridiculous charges on ur acc. So out of curiosity I demanded 4 one, only 2 discover dat am been penalize 4 every withdraw less than 50k because I ws nt using an Atm. Each charge ws 100naira & within d period of 3months it was 1200naira. D most funny aspect was dat 4 a savings acc. d interest was 664naira(interest been once quarterly). Now I hv decided 2 move my money. Banks generally think because they hv access 2 ur acc. they can deduct at will. This is a clear case of official fraud using CBN practising license. Say no 2 bank tricks.

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I read all the advice and complaint about ATM fraud and GTB.

To be frank with you, I have two accounts with GTB, one with

UBA and another one with FirstBank. In all, GTB is not better

than any of them.

I have suffered lots of damage because of GTB and I think I

should get out all my money and say to them "Good bye". The

same thing happened to my colleagues. They make lots of noise

but they don't have strong insider security control.

If you adopt lots of internet banking facilities, you should

provide strong mechanism for stopping ambitious thieves working

in the IT dept of the bank from altering client's info. But it

seems, they don't.

It's better we shine our eyes and bank with other better banks.

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@ poster .Of course you can seek redress in the court of law. There are a couple of similar cases am currently handling now just that i am representing not the customers but the banks that had been sued, by people like yourself. So you can also do it, but note that litigation (which is your best bet )is slow and time consuming, Hope your bank is not one my clients sha.

@wazobia that is easy to establish, the court will order his network provider to print out his message history for that period

@ ojesus no amount of diplomacy wil make the bank cough out a dime if they can't see a threat in his case

@eros, Error error error shout in a bank? Haba

@RelATE yours is a simple problem of internet it will always be solved easily as long you complain on time

@Samuella you seem to know much about this stuff EXCEPT THAT HE MAY WIN THE BANK IN COURT, the judge is a human being remember

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@ poster .Of course you can seek redress in the court of law. There are a couple of similar cases am currently handling now just that i am representing not the customers but the banks that had been sued, by people like yourself. So you can also do it, but note that litigation (which is your best bet )is slow and time consuming, Hope your bank is not one my clients sha.

@wazobia that is easy to establish, the court will order his network provider to print out his message history for that period

@ ojesus no amount of diplomacy wil make the bank cough out a dime if they can't see a threat in his case

@eros, Error error error shout in a bank? Haba

@RelATE yours is a simple problem of internet it will always be solved easily as long you complain on time

@Samuella you seem to know much about this stuff EXCEPT THAT HE MAY WIN THE BANK IN COURT, the judge is a human being remember

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Why should as much as N1000 be deducted from our accounts in the name of mastercard? cant we be informed b4 anytin of such is done? Why should it even cost as much as N1k? this is INJUSTICE

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My wife is a banker and she tells me that majority of ATM frauds are inside jobs. So all these talks of compromising your PIN physically do not hold water. Even if someone knows your PIN, he would need to clone the card and you can not do this without knowing the account name and card number. The most common way to compromise your PIN is online.

The banks know that majority of these ATM fraud are perpetrated by their staffers but they will always pass the buck to you. For the poster, If you can afford it (it might take some years), I advise you to gather some evidence that can be admitted in court. You can do this if you can get an insider there to cooperate with you. Their failure to send transaction alerts to you is an indication of an inside job and is your best tool to argue for negligence in court. Alternatively, you can go to your branch and make a lot of noise, real noise that will capture the attention of other customers and their managers. One thing that the banks don't like is negative publicity and they will surely hear you out. Even this thread is enough negative publicity for GTB.

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My wife is a banker and she tells me that majority of ATM frauds are inside jobs. So all these talks of compromising your PIN physically do not hold water. Even if someone knows your PIN, he would need to clone the card and you can not do this without knowing the account name and card number. The most common way to compromise your PIN is online.

The banks know that majority of these ATM fraud are perpetrated by their staffers but they will always pass the buck to you. For the poster, If you can afford it (it might take some years), I advise you to gather some evidence that can be admitted in court. You can do this if you can get an insider there to cooperate with you. Their failure to send transaction alerts to you is an indication of an inside job and is your best tool to argue for negligence in court. Alternatively, you can go to your branch and make a lot of noise, real noise that will capture the attention of other customers and their managers. One thing that the banks don't like is negative publicity and they will surely hear you out. Even this thread is enough negative publicity for GTB.

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your case is fishy. honestly. how are you going to prove they did not send you an sms. if they did not send you an sms then it means its a gtb insider job. thats a more damning accusation and i find it hard to see gtb own up to such. the law is complex because if their system show that they sent you an alert, any judge can restfully assume that your dog intercepted the sms messages and deleted them before you could read them. and that is whether you have a dog or not. after that he's going to have a glass of whisky content with striking out yet another phony claim.

this is an all new claim bros. sorry.

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am sorry 2 hear u & really feel ur pain, diplomacy cud work out btw d 2 of u with a lot less effort & a lot less expense

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Taking them to efcc or to your Lawyer will just be a waste of time and energy because all they will tell you is that they are sorry or Ask you if you gave your Atm Card to somebody.i had this same challenge sometime ago which force me to consult some experts and carry out some research.After all have been able to  compile detailed info-manual on how to prevent your ATM FROM FRAUD interested in Getting the free Book call me 07038641600

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Ok I AM A BANKER AND HANDDLE SUCH CLAIMS.IF U HAVE NOT COMPROMISED YOUR CARD OR PIN DURING USAGE THEN U HAVE A CHANCE,BUT HOW CAN YOU PROVE THAT?SOMEONE MUST HAVE GLANCED AT YOUR PIN WHILE U WERE WITHDRAWING OR ASSISTED YOU AT ONE TIME OR THE OTHER AT THE ATMAND ALSO GOTTEN YOUR CARD DETAILS, TRUTH OF THE MATTER IS DAT 98% OF ALL ATM RELATED FRAUDS ARE DUE TO THE CARELESSNESS OF THE CARD HOLDER OR USE OF THE CARD ON UNSECURED SITES OR LOCATIONS(E.G CYBERCAFE) FOR PAYMENTS, WELL THE ONLY LAPSE I SEE YOU CAN TAKE ADVANTAGE OF IS THE FACT THAT U DIDNT RECEIVE ALERTS FOR THOSE WITHDRAWALS

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Wonderful, are their still customer's like this.

Well i once worked in a bank in Nigeria. i was opportune to address a lot of ATM case issue.

so let me first comment from the bank's internal process.

Once a customer lodges a compliant at a bank, the first thing the bank tries to do is to discredit his/her claim (normal Nigerian factor)

however, if the customer insist on his right (either by writing to a higher hierarchy within the bank or creating a scene at either the branch or Head Office of the bank)

This would automatically lead to at least the case been properly investigated- below is usually the trend

1. What bank was the ATM used (if it is the bank's ATM or other bank's)

2. If it is other bank's, the bank writes them to investigate the card used if it is actually the same as the customer's card (as all card produced have a unique PAN number, clone or gueniue)

3. If it is then established that another card was used for the transaction on the customer's account other than his original card tied to the account, the customer would be refunded as soon as it is practicable (depends on the customer).

4. However, if it is the same customer's card, then the bank would ascertain, if the fault is theirs or the customer's.

so the main issue here is do u know you right (which includes that the bank investigate to a logical conclusion even if it is to prove your negligence and not on first claim dismissal)

and if you do, how well are you willing to pursue it (this is where our Nigerian factor comes in and the bank's would definitely take advantage of it, at least they are not operating in limbo)

SO, KNOW AND INSIST ON YOUR RIGHT, IT'S STARTS BY KNOWING YOUR RIGHT

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