A senior officer of the Nigeria Immigration Service, Adeyemi Badru recounted how some staffers of the First Bank of Nigeria feasted on his challenging condition to defraud him. He disclosed this in a detailed chat with REPORTERS AT LARGE, excerpt:
“Sometimes in January 2012, while I was posted to the Osun State Command of the Nigeria Immigration Service, my wife became seriously sick, requiring expensive medical attention, so I approached the First Bank of Nigeria Ltd. for a loan at her Inisha branch, Osun State.
“At the First Bank Inisha branch, Osun State, I met with the Business Manager, Kehinde David Oludare, and one Awolola Olalekan Ayodeji who explained to me that I would need to have an account with the bank, fill a loan request form and ask my employers to write a letter to the 1st Defendant acknowledging that I am their employee and would make deposits into my account domiciled with the First Bank of Nigeria Ltd for purposes of liquidating the loan.
“Premised on the information I received from the Business Manager, Kehinde David Oludare and Awolola Olalekan Ayodeji, I immediately informed them that I already had a savings account with the First Bank and with No. 3019158452 and they said that was okay.
“I also informed the Osun State Command of Nigeria Immigration Service (my employers), of my intention to take a loan and the requirement of First Bank of Nigeria Ltd. that my employer write a letter to her. And so my employers then issued a letter dated 19th January, 2012 to First Bank of Nigeria Ltd affirming that I am their staff and that I will continue to pay into my account No. 3019158452 with 1st First Bank of Nigeria Ltd for purposes of liquidating the loan.
“The said account with No. 3019158452 was the account I originally operated with First Bank of Nigeria Ltd., and which I understood could be used for the loan.
“So, on the 1st day of February 2012, I returned to First Bank of Nigeria Ltd Inisha Branch, and as directed by the Business Manager, Kehinde David Oludare and Awolola Olalekan Ayodeji, I presented the letter from my employer to the bank through them and filled a loan request form in my handwriting, formally expressing my intention to take a loan from First Bank of Nigeria Ltd.
“I filled the loan request form, after discussions with Kehinde David Oludare and Awolola Olalekan Ayodeji who informed me that repayment of the loan would not be tied to my salary but would be paid across the counter into my current account to be opened and deducted by First Bank for 36 months, with monthly payments of the sum of #38,100:00 monthly.
“And it was with that understanding that I indicated on the loan request form that the instrument of repayment would be the monthly issuance of personal cheques drawn on First Bank.
“After I had filled and submitted the loan request form, First Bank of Nigeria Ltd then opened a current account for me on the 14th of February 2014 with No. 2019729985 which account was opened solely for purposes of the loan, and I was then informed that I could not use my old account with No. 3019158452 which I had supplied for the loan, but had to use the newly created current account with No. 2019729985.
“A loan account with No 3896210006132 was also created for the loan disbursed as per my request of 1st of February, 2012.
“I was then asked to pay in the cash sum of #70,000.00 (Seventy Thousand Naira) only to First Bank of Nigeria Ltd., as loan processing fee, which I did on the 17th of February, 2012. I was not issued any receipt for this.
“But I was however shocked to see that the Business Manager by name Kehinde David Oludare and Awolola Olalekan Ayodeji had falsely claimed on the payment entry / particular made on my account as per the transaction that the said sum of N70, 000. 00 (Seventy Thousand Naira) which I paid myself into my current account number 2019729985 on the 17th of February 2012 that it’s my February 2012 salary, whereas they are fully aware that my salary was not domiciled with them but with the United Bank for Africa (UBA), and I cannot pay myself my salary since am a Federal Government’s staff.
“The sum of #1,000,000.00 (One Million Naira) was then disbursed to me on the 28th of February, 2012 through the loan account with No. 3896210006132 and deposited into my current account with No. 2019729985.
“So, after the disbursement of the loan I applied for on the 28th of February, 2012, the Business Manager of First Bank of Nigeria Ltd Inisha Branch by name Kehinde David Oludare then asked me to come to the Bank on the 29th of February, 2012 and issued me with a loan offer letter dated February 29, 2012, which among other terms and conditions guiding the loan facility also stated that the monthly repayment sum I will pay for the loan will be #43,760.00 and not #38,190.00 as previously discussed.
“The Business Manager by name Kehinde David Oludare acting for First Bank of Nigeria Ltd had unilaterally increased the monthly repayment sum to be paid by me from N38, 190. 00 approved by the First Bank through its BDM Osogbo Area Office as in the Loan Set up Form to the sum of N43, 760. 00.
“The Business Manager acting for First Bank of Nigeria Ltd then asked me to sign the said loan offer letter. And, having filled out the loan request form and having concluded all discussions on the loan and the loan having been disbursed to me, I had no choice but to go on ahead to sign the loan offer letter.
“And according to the offer letter, the loan facility had a tenor of 36 months, that is 3 years (February 2012 to February 2015) and on the loan request form, the proposed means of payment was a personal cheque drawn on my First Bank Current Account No. 2019729985 and not on my salary account which was with UBA Plc. as clearly stated on the loan request form.
“The guarantor for the loan is my mother Miss Kareem Folashade Oyeronke.
“And after the loan was disbursed to me, I commenced repayment of the loan in April 2012 with payment of the sum of #40,000.00 (Forty Thousand Naira) into my current account No. 2019729985. And as part of my obligation towards the service of the loan, between April and September 12, 2012, I paid varied sums into my account No. 2019729985 which was immediately recovered by First Bank of Nigeria Ltd. as loan recovery for loan account No. 3896210006132.
“On the 5th April, 2012, the 10th of July, 2012, the 31st of July, 2012, the 16th of August, 2012, the 12th of September, 2012, I paid several deposits into my current account No. 2019729985 of which the sums of #37,426.41, @2,191.44, #19,289.97, #15,000.00 and #79,353.11 respectively were recovered by First Bank of Nigeria Ltd. as loan recovery for loan account No.3896210006132.
“The cumulative amount of all the sums recovered by First Bank of Nigeria Ltd above is N153, 260. 93 which sum was paid by me and recovered by the 1st Defendant on the 10th of April, 2012, the 10th of July, 2012, the 1st of August, 2012, the 17th of August, 2012 and the 13th of September, 2012.
“But unknown to me, on the 28th day of September 2012, seven months after the disbursement of the loan, and two weeks after I made a cash deposit of #80, 000 (Eighty Thousand Naira) on the 12th day of September 2012, for the liquidation of the loan on loan account No. 3896210006132, which the 1st Defendant recovered on the 13th of September, 2012, the Business Manager of First Bank of Nigeria Ltd by name Kehinde David Oludare and Awolola Olalekan Ayodeji fraudulently created another loan account No. 3896210013660 in my name and disbursed into it another loan credit of N1,000,000.00 (One Million Naira) linked to my current account No. 2019729985, without my knowledge or prior approval.
“This new loan of N1, 000, 000. 00 was never disbursed to me or withdrawn by me.
“And from the 5th of April, 2012 to 31st March, 2014, I innocently continued to pay in funds into my current account No. 2019729985 for the purpose of liquidating loan account 3896210006132 believing it was being credited into the loan account which was opened on the 28th February, 2012 and disbursed on 28th February 2012 to me.
“In addition to the sum of #153, 260. 93 recovered from my account as shown above, I made further deposits into my current account no 2029729985, and First Bank of Nigeria Ltd further recovered the following under-listed sums from my account on the following dates:
1.) N76, 863. 49 on the 2nd of October 2012
2.) N19, 602. 17 on the 5th of October, 2012
3.) N80. 65 on the 30th of October, 2012
4.) N5, 286. 63 on the 30th of October, 2012
5.) N33, 946. 22 on the 28th of November, 2012
6.) N1, 384. 40 on the 29th of November, 2012
7.) N41, 736. 55 on the 31st of December, 2012
8.) N19 ,357. 19 on the 13th of February, 2013
9.) N93, 976. 78 on the 31st of March, 2013
10.) N43, 978. 24 on the 3rd of June, 2013
11.) N39, 808. 76 on the 27th of August, 2013
12.) N39, 974. 59 on the 17th of October, 2013
13.) N29, 850. 35 on the 28th of December, 2013 and
14.) N29, 850.19 on the 31st of March, 2014, respectively, which sums were recovered as loan recovery by First Bank of Nigeria Ltd.
“The cumulative amount of all the sums I paid in the paragraph above is N475, 785.14 and when added to the sum of N153,260.93 in earlier paragraphs above, the total sum so far recovered by the 1st Defendant from my direct deposits into my current account no 2029729985 for loan recovery for the loan account number 3896210006132 which I took is N629, 046. 14 (Six Hundred and Twenty-Nine Thousand, forty-six naira, fourteen kobo).
“However, in 2013, in a letter dated 12th August, 2013, despite the fact that I had paid in funds in February, March and August 2013, which had been recovered by First Bank of Nigeria Ltd for the loan I took, First Bank of Nigeria Ltd through its agent the Business Manager of Inisha Branch of First Bank of Nigeria Ltd., wrote a letter to my employers (Nigeria Immigration Service) stating that I took a loan from the 1st Defendant and falsely added that I had refused to pay the loan since inception and had taken away my salary account from the 1st Defendant to frustrate repayment. In the said letter, the 1st Defendant asked that my salary account be restored to First Bank of Nigeria Ltd.
“That completely unaware of this letter of First Bank of Nigeria Ltd to my employer, and unaware of the 2nd loan taken in my name, on or around the 16th of March, 2014, I went to the Business Manager of First Bank Inisha Branch by name Kehinde David Oludare of my own volition and informed him that I intended to fully liquidate the loan I took on loan account 3896210006132 and tied to current account No. 2019729985 and we both discussed modalities on how that would be done and I left peacefully. Mr Kehinde David Oludare did not inform me that they had taken out a 2nd loan in my name.
“And notwithstanding my deposits as enumerated above, which First Bank of Nigeria Ltd. withdrew as loan recovery and notwithstanding the discussions with the Business Manager to liquidate the loan, between 30th of May 2014 and August 2014, First Bank of Nigeria Ltd. went on to withdraw funds from my mother’s accounts Nos. 2012131367 and 2013181950 purportedly for the purpose of loan recovery for the illegally opened unsolicited loan account No. 3896210013660 which loan my mother did not guarantee and without her knowledge.
“That on the 30th of May, 2014, the sum of N40, 000 was withdrawn from my mother’s account No. 2012131367 for purposes of loan recovery of unsolicited loan account number 3896210013660.
“On the 5th of June, 2014, the 9th of June, 2014, the 18th of June, 2014, the 30th of June, 2014, the 16th of July, 2014 and the 4th of August, 2014 the sum of N50, 756. 89, N43, 000. 00, N124, 775. 02, N26, 858. 15, N100. 00 and N49, 959. 78 were all recovered from my mother’s second account No. 2013181950 as loan recovery for the unsolicited loan account 3896210013660.
“The total sum recovered from my mother’s accounts for loan recovery on the illegally opened unsolicited loan account 3896210013660 is N376,571.00. (Three Hundred and Seventy-Six Thousand, Five Hundred and Seventy-One Naira).
“My mother never guaranteed any loan on the loan account No. 3896210013660, and neither did I take out any loan on loan account No.3896210013660.
“The said funds are withdrawn from my mother’s account Nos. 2012131367 and 2013181950 were not even reflected as loan recovery for loan account 3896210006132 which I took, thus it did not reduce my loan balance for 3896210006132 nor was it reflected on my current account No. 2019729985.
“Upon my mother noticing these strange deductions from her account, she complained to First Bank of Nigeria Ltd, and upon her complaint to First Bank the Business Manager by name Kehinde David Oludare and Awolola Olalekan Ayodeji (my Account Officer) turned up at her place of work to accost her, reporting her to her boss (the school principal), stating that I had taken a loan which she had guaranteed and that I was refusing to repay it and exposing other information concerning me to my mother’s boss/employer and threatening and embarrassing my mother at her place of work.
“The duo of Kehinde David Oludare and Awolola Olalekan Ayodeji who was acting for the First Bank of Nigeria Ltd violated my right of privacy when they disclosed details of my loan arrangement with the principal of my mother’s school and thereby breached the provisions of the Code of Banking Practice as well as the Code of Conduct in the Nigerian Banking Industry (Professional Code of Ethics and Business Conduct) 2014, (Produced by the General Assembly of Bank Chief Executives under the auspices of The Chartered Institute of Bankers of Nigeria).
“After Kehinde David Oludare and Awolola Olalekan Ayodeji’s visit to my mother’s school, First Bank of Nigeria Ltd then wrote to my mother a letter dated July 2, 2014, stating that I had not been paying monthly instalments as my balance on the loan was N955, 982. 40 and threatening to execute a personal guarantee against her for the loan if she does not prevail on me to pay the loan.
“And upon becoming aware of Kehinde David Oludare (Business Manager) & Awolola Olalekan Ayodeji (Account Officer)’s visit to my mother’s place of work and of their disclosure of my banking details to my mother’s school principal and of the contents of the letter written to my mother, I was perplexed and deeply saddened as I have always made efforts to pay funds into my current account No. 2019729985, for purposes of liquidating the loan on 3896210006132 and for months where I could not pay in at all or pay the full sum, I always compensated by paying double the sum the next month.
“A perusal of my current account bank statement will show that I have been making deposits into my current account No. 2019729985 for purposes of loan recovery on 3896210006132 and same had been recovered by First Bank of Nigeria Ltd during this time they alleged that I have not been making deposits.
“That unknown to me, First Bank of Nigeria Ltd was not recovering the deposits I made into my current account 2019729985 for liquidating loan account 3896210006132 but were illegally and fraudulently diverting all the said funds I deposited into my current account to liquidate the unsolicited loan on 3896210013660 which loan I did not request for and without my knowledge or prior approval.
“I did not know about the new loan account number 3896210013660 created in my name or these diversions because I was not receiving any alerts on the accounts.
“And from July 2, 2014, when First Bank of Nigeria Ltd wrote to my mother, I began to notice a strange trend which made me suspicious of First Bank of Nigeria Ltd’s sincerity.
“I noticed that whenever I asked for my current account 2019729985 statement, my Loan Schedule of Loan Account 3896210006132 and Loan Account Statement of Loan Account No. 3896210006132 from First Bank of Nigeria Ltd to know the correct state of my indebtedness since I was making plans to repay the loan, I was always rebuffed by the Business Manager by name Kehinde David Oludare and Awolola Olalekan Ayodeji and other staffs of First Bank of Nigeria Ltd who informed me that a lien had been placed on my account and so I could not get my account statement. A lien was placed on my current account number 2019729985 without any Court order directing such.
“And when this happened about 5 times, I got frustrated and so had to hire the services of a lawyer, M.O. Agboola & Co, Legal Practitioner and Consultant who by letter dated 10th of October, 2014 written on my behalf to First Bank of Nigeria Ltd’s Oshogbo Area Office complaining about the refusal of their staffs to issue me a copy of my current account statement as well as loan account statement upon request. But there was no response from First Bank of Nigeria Ltd to the letter from my Solicitors, and instead, the duo of Business Manager, Kehinde David Oludare and Awolola Olalekan Ayodeji resorted to intimidating, threatening and harassing my mother.
“I made several efforts to orally discuss the issue with First Bank staffs even at the Regional office in Challenge Area of Ibadan as well as the Kehinde David Oludare and Awolola Olalekan Ayodeji, all to no avail.
“And sometime in August 2014, I went into the University of Ibadan branch of First Bank of Nigeria Ltd and demanded a statement of my current account No. 2019729985 and loan account No. 386921006132. I was turned down. I continued to demand that I was entitled to my account statement and was not going to leave the bank until I got it and eventually I was led to see the Manager of the branch.
“I spoke with the University of Ibadan Branch Manager of First Bank of Nigeria Ltd and insisted that I must have my account statement. The said branch manager then printed a copy of my current account no 2019729985 statement for me and it was then I discovered to my utter dismay and chagrin that the Business Manager by name Kehinde David Oludare and Awolola Olalekan Ayodeji had opened a 2nd loan account with No. 3896210013660 in my name, without my knowledge or approval and had deposited therein another sum of N1, 000, 000. 00 (One Million Naira) which sum was then withdrawn!
“I was not informed of this fresh deposit of N1,000, 000. 00 to my name through any means whatsoever, neither was the same disbursed to me.
“And upon making this discovery, I was very upset and contacted the Business Manager by name Kehinde David Oludare and Awolola Olalekan Ayodeji, demanding an explanation, but no reasonable explanation was given to me.
“And when I did not get an explanation from the Business Manager and my Account Officer, I wrote to the Managing Director of First Bank of Nigeria Ltd in a letter dated 27th October 2014 to complain of suspected fraudulent activities on my loan account.
“I equally petitioned the Central Bank of Nigeria via its Consumer Protection Department through the Osogbo branch controller’s office and directly to the Director’s office in Abuja which letters were received on the 25th and 28th October 2014 respectively, complaining about the creation of an illegal loan account attached to my current account without my knowledge or approval by First Bank of Nigeria Ltd, as well as the making of deductions from my mother’s account to fund the new loan I knew nothing about and its non-reflection on my current account No. 2019729985 and loan account No. 3896210006132.
“And I also lodged a complaint against the duo of the Business Manager, Kehinde David Oludare and Awolola Olalekan Ayodeji to the Osun State Commissioner of Police.
“And acting upon my complaints/petition, the Osun State Police Command arrested the Business Manager by name Kehinde David Oludare and Awolola Olalekan Ayodeji who were employees of First Bank of Nigeria Ltd and questioned them thoroughly.
“And while the duo of Kehinde David Oludare and Awolola Olalekan Ayodeji were being questioned by the Police, the 2 (two) of them stated that they took the 2nd loan in my name to help me offset the first loan and they admitted that what they did was wrong.
“Kehinde David Oludare and Awolola Olalekan Ayodeji committed this wrong in the course of carrying out the business activities of First Bank of Nigeria Ltd.
“The terms of the agreement entered into between me and First Bank of Nigeria Ltd never provided for the taking of a new loan on my behalf to offset an old (earlier)loan.
“And so, through Legal Aid Council of Nigeria, I also petitioned the Assistant Inspector General of Police of the Nigeria Police Force, Zone XI Command who directed the Zonal Investigation Bureau of his command to also investigate the actions of Kehinde David Oludare and Awolola Olalekan Ayodeji in disbursing a fraudulent loan account number 3896210013660, and at the end of its investigations, passed on the file to the Osun State Directorate of Public Prosecution who has now issued a legal advice on the matter and recommended the prosecution of Kehinde David Oludare and Awolola Olalekan Ayodeji for the offenses of Fraudulent False Accounting, Keeping Fraudulent Book of Accounts and Stealing.
“The Osun State Directorate of Public Prosecution has now charged the 2 employees of First Bank of Nigeria Ltd by name Kehinde David Oludare and Awolola Olalekan Ayodeji to court before the Osun State High Court of Justice sitting in Okuku Judicial Division, in the case no HKK/1c/2018 between The State Vs Kehinde David Oludare & 1or, for the offences of keeping fraudulent accounts or falsifying books of accounts, and fraudulent false accounting contrary to section 435(b) of the Criminal Code Law Cap. 35 Laws of Osun State 2002, and stealing contrary to section 390 (9) of the Criminal Code Law Cap 34 Laws of Osun State, 2002.
“And at the commencement of the criminal trial of Kehinde David Oludare and Awolola Olalekan Ayodeji before His Lordship Hon. Justice S. O. Falola, Kehinde David Oludare failed and deliberately refused to honour the Court’s summon for him to appear for his arraignment, and after the prosecution had satisfied the Court with the proof of service of court’s summon on him, the Honorable Court issued a Bench Warrant against Kehinde David Oludare.
“And after the Honorable Court had issued a bench warrant against Kehinde David Oludare, I led policemen as a pointer to Bodija area of Ibadan in the Oyo State of Nigeria where the Order of the Honorable Court was executed on Kehinde David Oludare and he was arrested on the order of the Honorable Court and brought back to Osun State High Court for the continuation of his criminal trial.
“Furthermore, after the execution of bench warrant on Kehinde David Oludare (the Business Manager of First Bank of Nigeria Ltd Inisha Branch), he was further arraigned by the DPP of Osun State before a Magistrate Court for another offence of Contempt of Court in a case between The State Vs Kehinde David Oludare in charge number MOS/555C/2019 on the 23rd of August 2019 at the Osogbo Magistrate.
“The Magistrate Court hearing the Contempt Case charge number MOS/555C/2019 Between The State Vs Kehinde David Oludare granted him bail, but when he couldn’t meet his bail condition he was ordered by the Court to be remanded at Ilesha Prison till he was able to perfect his bail condition.
“However, despite all Contempt Case DPP has slammed on the Business Manager by name Kehinde David Oludare, and in spite of the fact that he had been remanded by the Court in Ilesha Prison, at the resumption of his Criminal trial at the High Court of Justice of Osun State on 5-Count Charges of Fraud, his Counsel Barrister Femi Fafowora of OLUFEMI FAFOWORA & Co Chambers Ilesha shocked the Court when he presented a medical report procured from one Dr. Oyeyinka (08033888237) of St. Marello Catholic Hospital, Old Lagos Road, Opere Village, Ibadan wherein Kehinde David Oludare had falsely claimed that he was kidnapped for two weeks.
“And after Olufemi Fafowora Esq had presented the said Medical Report from St. Marello Catholic Hospital to the Court, and the court had ruled that there was no kidnap, while I was still in the Courtroom as the State Witness in the matter I began to notice strange movement of persons around me, and to my surprise while I was still standing with the State Counsel prosecuting the case of The State against Kehinde David Oludare and Awolola Olalekan Ayodeji, Barrister Femi Fafowora led policemen to arrest me in the Court’s premises falsely accusing me of kidnapping him when it was the Court that has remanded him in Ilesha Prison, and thanks to the timely intervention of the State Prosecutor by name Barrister Abiodun Badiora who insisted that the Court is a sacred place and should not be desecrated.
“However, since the policemen brought by Counsel to Kehinde David Oludare could not succeed in arresting me on the 30th September 2019 in the Court Premises, they left me with an invitation letter requesting me to report myself to the Deputy Commissioner of Police CIID Zone 11 Headquarters, Osogbo.
“So because of the false claims of Kehinde David Oludare against me before the police, and an attendant letter of police invitation extended to me, I appeared before the D2 Section of ZCIID Zone 11 Police Headquarters Osogbo on the 9th of October 2019 where I was detained, and my statement of account taken by the investigating police team, and I was thoroughly quizzed by the police officers in the D2 Section of ZCIID Zone 11 Police Headquarters Osogbo, before I was subsequently admitted to bail on self recognizance.
“On the 8th of September, 2014 on one of the many occasions while I was on my way from the office of the Business Manager of First Bank of Nigeria Ltd by name Kehinde David Oludare where I went to ask for my current/loan account statements and was refused, I was involved in a motorbike accident which resulted in me suffering severe injuries on the left leg and I had to be admitted at Life Preserver Hospital, Osogbo, Osun State.
“That while I was facing this difficulty from First Bank of Nigeria Ltd and it’s agents, and while First Bank of Nigeria Ltd was massively withdrawing funds from my mother’s account, Kehinde David Oludare (Business Manager of First Bank Inisha Branch) acting on behalf of First Bank of Nigeria Ltd issued another letter dated the 2nd of August, 2014 to my employer (Nigeria Immigration Service) stating yet again that I took a loan from the 1st Defendant and falsely declaring therein again that I had refused to pay the loan since inception and had taken away my salary from First Bank of Nigeria Ltd. In the said letter, First Bank of Nigeria Ltd once again asked that my salary account be restored to them.
“The allegations by First Bank of Nigeria Ltd contained in the letters to my employer are false in its entirety as I had been making deposits into my current account for liquidation of the loan which sums were recovered by them, and my salary account was at no time domiciled in the 1st bank then, neither did I ever try to transfer any of my accounts out of the 1st bank.
“The letter from 1st Bank dated 12th August 2013 and 4th August 2014 containing these libellous misrepresentations of facts against me were published to several persons to wit, the Comptroller General of Immigration, the staff of my office to whom the letter was submitted for onward submission and all the staff of the salary department to whom the directive to transfer my salary account name.
“First Bank of Nigeria Ltd. published the said letter knowing the contents to be false and was reckless as to their truth or falsity.
“That as a result of the publication in the said letter, my colleagues began to view me as a fraudulent fellow who was trying to hoodwink and swindle a bank to avoid paying for a loan I took.
“And as a result of the said publication, my integrity and reputation were seriously damaged and debased as I have suffered a great loss of regard among my colleagues and several staff of the Nigeria Immigration Service who know me to be a Christian evangelist and who had always held me in high esteem.
“That upon receiving the letter from First Bank of Nigeria Ltd, my employers immediately stopped my salary and ordered that my salary account be immediately transferred from my PayPoint to First Bank of Nigeria Ltd, even without hearing my side of the story.
“And relying solely on the letters from First Bank of Nigeria, on the 20th day of October 2014, my salary was immediately transferred from FCMB Plc. where it was domiciled to First Bank of Nigeria Ltd.
“My salary account was transferred by my employers without my approval, consent or knowledge to First Bank of Nigeria Ltd at the instigation of Kehinde David Oludare and First Bank of Nigeria Ltd.
“And completely unaware of the transfer of my salary account, I waited for my November, 2014 salary to be paid into my FCMB Plc. Account No. 266555016 but to no avail.
“And when I did not receive any payment notification of my November salary from the FCMB Plc., I made enquiries from the salary section of my office and it was then I was informed that as a result of a petition written against me by Kehinde David Oludare and First Bank of Nigeria Ltd, my salary account had been transferred to First Bank of Nigeria Ltd and my salary will henceforth be paid to an account with First Bank of Nigeria Ltd.
“And since my salary account was transferred from FCMB Plc. to First Bank of Nigeria Ltd, my salary has been paid into my Current Account No. 2019729985 with the First Bank of Nigeria Ltd every month and First Bank of Nigeria Ltd placed a lien on my account without court order and deducted my entire monthly salary as soon as it was paid into the said current account allegedly to service the 2nd loan which I never took.
“For the month of April, 2015, my monthly salary was paid together with my housing allowance in the sum of N300, 642. 49 and out of this sum, the 1st Defendant withdrew the sum of N96, 558. 44 still for the liquidation of the unsolicited loan.
“First Bank of Nigeria Ltd also withdrew the sum of N59, 693. 00 from my monthly salary for May 2015, N33, 865. 49 for June 2015, N46, 140. 83 for July 2015, N46, 554. 48 for August 2015, N46, 557. 99 for September 2015, N46, 554. 48 for October 2015, N46, 637. 64 for November 2015 and N72, 087. 34 for December 2015.
“First Bank has deducted the sum of N1, 139. 981. 25 from my current account No. 2019729985 since payment of my salary was transferred to her from the months of November 2014 to December 2015.
“The deductions of my monthly salary by First Bank of Nigeria Ltd from my current account No. 2019729985 since November 2014 till date has been as follows;
1.) Salary for the period of November 2014 totaling N121, 619. 96.
2.) Salary for the period of December 2014 totaling N141, 619. 96
3.) Salary for the period of January 2015 totaling N107, 149. 49
4.) Salary for the period of February 2015 totaling N107, 149. 49
5.) Salary for the period of March 2015 totaling N107, 149. 49
6.) The sum of N96, 558. 44 deducted from his salary for the month of April 2015.
7.) Salary for the period of May 2015 totalling N107, 149. 49
8.) The sum of N46, 967. 12 deducted from his salary for the month of June 2015.
9.) The sum of N46, 140. 83 deducted from his salary for the month of July 2015.
10.) The sum of N46, 554. 48 deducted from his salary for the month of August 2015.
11.) The sum of N46, 557. 48 deducted from his salary for the month of September 2015.
12.) The sum of N46, 554. 48 deducted from his salary for the month of October 2015.
13.) The sum of N46, 637. 64 deducted from his salary for the month of November 2015.
14.) The sum of N72, 087. 34 deducted from his salary for the month of December 2015.
“And these deductions of my entire salary has been going on despite the fact that the loan agreement I took out with First Bank of Nigeria Ltd stipulates a monthly deduction of the sum of N43, 760. 00 throughout a 36 months period and not my entire monthly salary. Consequently, I was left without any salary for 6 months.
“The total sum the First Bank of Nigeria Ltd has so far collected from me through various channels over time to offset the N1, 000, 000. 00 (One Million Naira) loan taken on the 28th of February 2012 is the sum of N2, 145, 598. 25, and the said sum of N2, 145, 598. 25 was collected as follows;
“(1.) Between the 5th of April, 2012 and the 31st of March, 2014, I personally paid various sums of which the cumulative sum of N629, 046. 00 was deducted by the First Bank of Nigeria Ltd from my current account no 2019729985, as loan recovery for the loan.
“(2.) Since my salary account was transferred to First Bank of Nigeria Ltd, First Bank of Nigeria Ltd has consistently deducted all my monthly salaries in the sum of N1, 139, 981. 25 deducted so far for the months of November, 2014 to April, 2015 and a sum of #398, 091. 91 for the months of November, 2014 to December, 2015.
“(3.) The sum of N376, 571. 00 deducted from my mother’s accounts.
“The 1st Defendant has recovered sums well over the loan amount I borrowed.
“And the actions of First Bank of Nigeria Ltdhe Defendants have brought me into severe hardship as I have been living a life of penury, finding it hard to even feed as First Bank of Nigeria Ltd continuously seized all my salaries and allowances paid through her since November, 2014 despite the clear wordings of the loan agreement executed between me and the 1st Defendant which stipulates a monthly deduction of the sum of N43, 760. 00 per month.
“That as a result of the fact that I no longer have any income, I wrote to the Legal Aid Council of Nigeria who began to provide legal service for me as Solicitors for sometime since August 2014 on probono basis.
“And in a letter dated the 12th day of December, 2014, my Solicitors, the Legal Aid Council, Osun State wrote to First Bank of Nigeria Ltd complaining about the actions of her staffs in handling my loan and calling for an investigation into the activities of the staffs.
“The 1st Defendant did not respond to the letter.
“And in a letter dated the 12th day of December, 2014, my Solicitors, the Legal Aid Council, Osun State wrote to my employers presenting the true state of my loan arrangement with First Bank of Nigeria Ltd and asked for a review/reversal of the decision directing the payment of my salaries to First Bank of Nigeria Ltd instead of FCMB Plc. which is the bank my salary is domiciled.
“Several letters have been written to my employer on the issue urging them to intervene, but they (the Nigeria Immigration Service) insist that until they receive a directive from First Bank of Nigeria Ltd my salary account will not be restored to FCMB from where it was domiciled.
“That my Solicitors, Legal Aid Council of Nigeria also wrote a letter dated 21st April, 2015 to the First Bank of Nigeria Ltd demanding among others an apology, presentation of the true state of affairs of my loan arrangement to my employer, that I never tried to transfer my account from the 1st bank, and as well as a proper computation of my loan balance if any, in the light of the deductions made from my mother’s accounts and my salary account.
“The money unlawfully deducted from my mother’s account opened her to a serious financial distress.
“That as a result of the letters written by First Bank of Nigeria Ltd against me to my employers distorting and misrepresenting facts, my promotion has been stopped and the embargo on my promotion still subsist, and as a result, serious legal crisis broke out between me and my employers the Nigeria Immigration Service, The Comptroller-General of Nigeria Immigration Service and the Civil Defence, Fire, Immigration and Correctional Services Board, in Suits No: NICN/ABJ/197/2015 & NICN/ABJ/484/2020 at the National Industrial Court of Nigeria Abuja Judicial Division.
“The matter between me and my employers in Suit No: NICN/ABJ/197/2015 before the National Industrial Court of Nigeria was resolved by the Court in my favour on the 11th day of April 2019.”
