In this article, we'd be seeing a step-by-step guide on how you can recover your money after getting scammed. Things are getting better in Nigeria, and I strongly believe not all Nigerians are thieves. If you've ever gotten scammed, this post is for you. It doesn't matter if you paid for a good/service and never got the value or you invested in a platform that never gave you returns.
Before we start, I want you to take note of some things:
• If a business idea looks too good to be true, then it's not true. Avoid paying someone to give you predictions that will help you win a match. If he is 100% sure of the games, he won't be on Facebook bombing the groups to get you to put your money.
• When doing business with someone you don't trust, go for an escrow. Some escrows might charge you a little fee, but you won't have to cry about losing your money. If the person is a foreigner, you can opt for PayPal or other payment gateways that will allow you to file for a chargeback if the deal doesn't go successful. And also, kindly avoid filing chargebacks for successful transactions, remember the law of karma.
• When buying things online, try reading up reviews of the platform before making your payments. If it's on eCommerce sites like Konga and Jumia, endeavour to read up other customers' reviews to avoid 'what you ordered vs what you got'.
• Try your best when possible, to pay with bank transfers to enable you to hold evidence of payment in case issues arise in the later run. When you pay with cash, don't dispose of the tellers, I repeat, don't dispose of the tellers until you receive the good/service you paid for.
In this post, we'd be sharing an easy tip on how to retrieve your money after you have been scammed.
Don't forget to drop us a comment and share with your friends after reading.Yes, you knew the guy was a scammer, but his Facebook bio contained a Bible verse, so you had to trust him, well, you can still get back your money. Just follow the steps below, and pray fervently too, remember this is Nigeria:
• Screenshot all the previous chats across all instant-messaging apps that you used in communicating with the person.
• Write out the person's full name (as stated in his account), plus the social media profile.
• If you transferred the money via mobile money or USSD, visit your app and copy out the 'TRANSACTION ID NUMBER'. It should be available in your bank statement, If you used a bank teller, also present it to the bank.
• Got to any branch of the scammer's bank and ask to see the CUSTOMER SERVICE in charge of FRAUD.
• Submit your complaints to him/her (if possible, print out all your chats with the person, it'll help during the investigation).
• While you're in the bank, draft and send a mail to the scammer's bank (also copy it to the CBN FRAUD DESK, [email protected]).
• Now you've done your own part, the suspect's account will now be placed on hold, and his BVN blocked while the investigations will be carried out. With this, s/he won't be able to carry out any transactions pending when s/he comes to clear his or her name from the bank.
• The bank will at this point involve the police and the suspect if proven guilty, will be made to sign a waiver allowing the bank to refund your money.
What more? Don't forget to pay your tithe when you eventually get the money back. Also, your friends will like to see this post, you can share it with them too.
Before you leave, also check out our next post on all you need to know about identifying and escaping from a scam website.
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