If you have ever been scammed, here’s how to get your money back

In 2016, a friend/colleague of mine got scammed of good money and although she had paid into a bank account and had the phone number of the person she did business with, she was unable to retrieve her cash.

She tried everything and an office full of over a hundred people did not have the right information that would have helped retrieve the stolen money.

All that has changed, today there is something you can do if anyone is stupid enough to scam you and think they can get away with stealing your hard-earned cash. No food for lazy man in 2020.

If you get scammed in 2020, just follow the instructions below and you will get your cashback. This is a true story of a Nigerian man and how he got his money back. He got scammed of almost N400,000 via POS at a mall in Lagos Nigeria.

Hear the testimony:

I didn't keep quiet; I told a lot of people about the update. I wasn't ashamed; I even posted on my timeline on Facebook. I wasn't looking for pity but to notify people about the new fraud in town and also seek for advice. I knew 90% of people won't even care as they will even laugh but that 10% of people that cared gave me a solution and truly it worked.

One of the guys I told gave me the option that started the solution and that option was to write a letter to Central Bank of Nigeria, Lagos office

I immediately sent a mail to my bank, telling them about the debit that occurred on my account and it wasn't from me. The bank replied telling me they will investigate, I had to put a lot of pressure on them because these bank people can be very funny, they will tell you they are working on it but that's a lie

I wrote a petition/Complain to the "Banking Supervision Department" and "Customer Protection Department" of Central bank of Nigeria, Lagos Branch. The office is on the 11th floor of the building. Most of the workers don't know, some told me it was on the 8th floor, some said the 5th floor. I had to walk that building up and down more than 6 times that day before I could get the right office because the access cards for the floors are different and I have to come down to take new access card for the different floor

Ps. Make sure a copy with you is acknowledged, also provide your Email address and Phone number on the letter as they will reach you through the platform provided and tell you to negotiate with your bank and if there is no progress after 30 working days then write them again via the e-mail they used in communicating with you. I would have provided a screenshot of the mail they sent but I am trying as much as possible not to mention the bank. I never knew many Organisations in Nigeria work if I had not gone through it.

I was actually told at CBN that it will take time but I will surely get my money back that the CBN mandated banks to known your Customer (KYC) so since the money was transferred to Access bank then Access bank need to produce their customer

I wrote an official letter also to my branch bank Manager, informing him about the fraud on the account and telling him how it has really affected me. I also made sure that a copy of the letter was acknowledged.

I knew it wasn't going to be an easy fight as the bank would want to put the blame on me but I was ready for them.

I was always sending them mail, calls via the telephones at any bank branch. I gave them heat and after 30 working days I sent another mail to CBN telling them the bank is frustrating me and they are yet to refund my money and I didn't want to go to court because the matter was before the APEX bank. I didn't receive any reply from them

I went to a branch and also shouted and told them I want to see the branch manager which I saw her and also made my complaint and she decided to also send a mail to the fraud unit.

Sorry to say, I received a call from the fraud unit after I wrote a petition to CBN and CBN queried them telling me how my money was transferred and giving me the account number and bank the money was transferred to, they also gave me the address of the person that owns the account but I refused to follow up as I told them that wasn't my work that they should do it.

Lastly, I called them from the bank and told them that was the last time I was going to talk to them in the issue that I will get a lawyer, told the Lady that picked the call to tell the management about my development, I actually got a lawyer but before the lawyer could write, I received my money back on Thursday hot afternoon via an alert.

So if you get scammed or got scammed, follow the process above and get your money back.

Have you ever gotten scammed? Did you try to get your money back?

Follow me for more news on Nigerian lifestyle news stories.