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CRDB Bank: What a terrible experience!

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by nkosikazi, Jun 6, 2012.

  1. nkosikazi

    nkosikazi JF-Expert Member

    #1
    Jun 6, 2012
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    I am a CRDB bank customer and a businessman.

    I secured a contract worth sh 280m and approached CRDB for some financing and they asked for a collateral. I provided my house worth 320m as collateral. They approved the overdraft nine months later when the project had ellapsed and I had suffered a lot and sold some properties to get the financing I had needed. That was last year.

    This year I got a contract worth 400m and applied for an in increase on the meager overdraft of 50m they had earlier approved, but it took them 4 months to reject it!

    Just imagine: I have a project worth 400m on hand and a property worth 320m whose tittle deed they are holding and they can't approve a small working capital so that I can finish my project, pay them and move on!

    And I laughed a lot when I heard Kimei saying they got financing from AfDB and they will use it to finance people even without collateral! Gimme a break, Kimei!
     
  2. Ndachuwa

    Ndachuwa JF-Expert Member

    #2
    Jun 6, 2012
    Joined: Mar 8, 2006
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    What matters is not the value of collateral but the ability of the business to generate adequate cash flows for repayment of finances. Sub-prime crisis which heavily affected USA financial markets was a result of financial institutions relying on value of mortgages without looking at cash flows.

    The value of 320 million is just inflated number which can not be realized by way of sale.
     
  3. ZionTZ

    ZionTZ JF-Expert Member

    #3
    Jun 6, 2012
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    This is realy hopeless bank....apart from that they are thieves....
     
  4. mkomatembo

    mkomatembo JF-Expert Member

    #4
    Jun 6, 2012
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    Wewe umeona leo? mdogo wangu aliweka fixed term deposit miaka ya 2000 mwanzoni, akasafiri, hakurudi kwa wakati, nashangaa ilipomature pesa yake badala ya kuiweka katika account yake after maturity, wakaiweka kwenye suspense sielewi kwanini, baada ya muda mdogo wangu anaenda kuulizia pesa yake IMELIWA NA MPAKA LEO NINAVOKWAMBIA TUMEHANGAIKA SANA TENA SANA ! PESA HAIJARUDI AMEAMUA KUMUACHIA MUNGU. NA NINA IMANI ATAMLIPIA KWA NJIA YEYOTE ILE. Ni pale Holland House, tumeenda kwa manager mpaka tumechoka! tena mwisho akawa anafoka , imagine ilikuwa mil 2 ya miaka 1999.
     
  5. Z

    Zamazamani JF-Expert Member

    #5
    Jun 6, 2012
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    Sidhubutu wala sioti kudhubutu ku-deal na hao watu!...unless nichubue niwe MUHINDI au nibadilishe status niwe FISADI!
     
  6. Wingu

    Wingu JF-Expert Member

    #6
    Jun 6, 2012
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    Waizi hawa hamna kitu zaidi ya kujifanya wanatoa huduma nzuri kumbe uzushi mtupu angekuwa ni mwanasiasa wangekuhudumia fasta
     
  7. BabaDesi

    BabaDesi JF-Expert Member

    #7
    Jun 6, 2012
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    ..Mkomatembo, labda kuna kitu sijaelewa. kwa nini mmeamua kumuachia Mungu awatolee adhabu? Ina maana hakuna mahali popote ama namna yoyote mnayoweza kutumia sheria kupata haki yenu? kwa nini muachie hela yenu iende kwa Vibaka waliovaa sare kirahisi hivyo???
     
  8. CHAI CHUNGU

    CHAI CHUNGU JF-Expert Member

    #8
    Jun 6, 2012
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    Mmenifungua macho lol!
    Nilitaka kufungua account ya co hapo,sasa nageukia upande mwingine.JF ni zaidi ya habari duuuuh.
     
  9. Bujibuji

    Bujibuji JF-Expert Member

    #9
    Jun 6, 2012
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    [​IMG]
     
  10. MJIMPYA

    MJIMPYA JF-Expert Member

    #10
    Jun 6, 2012
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    Sometimes I wonder when I see Kimei and other bank CEOs boasting of huge profit. These banks are ruining customers, they dont take any risk, no innovations, zero customer care and professionalism, they just sit and keep hiking their fees and rates. But trust me, time will come unfair margins will shrink and customers will walk away to other banks.

    CRDB and other banks, you are very unfair to ur fellow TZ, ur contributing to the poverty of this national. Indeed our cries will not leave you safe unless you change your conduct, from junior officials to CEO, plse take heed of our lamentation.
     
  11. n

    nakuona Member

    #11
    Jun 6, 2012
    Joined: May 4, 2012
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    Mdau sisi huku Arusha tulishawakimbia...nasema sisi maana nilikuwa na wenzangu wapatao kama 20 hivi wote tulifunga akaunti zetu mkuu.

    Japo issues zetu zilikuwa tofauti lakini kubwa ilikuwa ni huduma mbovu za CRDB BANK- mfano hela inatumwa kutoka Ulaya inaingia baada ya siku 20 na ukiuliza nikama mtu anayeomba,unaambiwa njoo kesho,ukija kesho njoo kesho..Utazalisha saa ngapi?

    Hii benki ni bomu lingine ambalo litakuja lipuka. Inasikitisha sana!
     
  12. Watu

    Watu JF-Expert Member

    #12
    Jun 6, 2012
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    You seem not to know the rules sir!!!
     
  13. AK-47

    AK-47 JF-Expert Member

    #13
    Jun 6, 2012
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    Na mie nipo mbioni kuwakimbia hawa CRDB miyayusho kweli
     
  14. Watu

    Watu JF-Expert Member

    #14
    Jun 6, 2012
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    Manager wa holland ndie yule mweupe mweupe? mdondoshe kabahasha ka khaki pale table kwake ... next day mambo yenu yatakuwa safi!!!!
     
  15. mansakankanmusa

    mansakankanmusa JF-Expert Member

    #15
    Jun 6, 2012
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    jamani hakuna benki nzuri ! kama ambavyo watu hawana huruma na wabongo wenzxao, kule south waliwapiga! wakatugonga wabongo kwa sababu wanateseka wakati wao wanahaki, nyie mnataka pakuwekea pesa wakati sisi pesa hatuna..Fikiria benk inaitwa ben mkap, itakuwa si wezi hiyo
     
  16. chuki

    chuki JF-Expert Member

    #16
    Jun 6, 2012
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    Chezea WACHAGA wewe!
    na bado wanata watoe Rais, MTAKOMA,na bado.
     
  17. mkomatembo

    mkomatembo JF-Expert Member

    #17
    Jun 6, 2012
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    Huyo huyo kama kaburu fulani hivi, aisee alitusumbua njoo kesho kesho kutwa mwisho tena tukaona hatuwezi kushindana tukaachia ila INAUMA SANA!
     
  18. mkomatembo

    mkomatembo JF-Expert Member

    #18
    Jun 6, 2012
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    Eh utaenda wapi? mdogo wangu alichoka nakwambia ! sasa hiyo kesi kuendesha si ingechukuwa miaka na kuiendesha ingepitiliza hata hiyo mil 2 , eh!
     
  19. Jotojiwe

    Jotojiwe JF-Expert Member

    #19
    Jun 6, 2012
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    Mbona hawa crdb nasikia ndio wanaotoa kamshahara kazur zaid kuliko vijibenk vingine alafu wana tabia chafu hvyo au ndio ki magamba magamba zaidi!
     
  20. Mzalendo Mkuu

    Mzalendo Mkuu JF-Expert Member

    #20
    Jun 6, 2012
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    Hii ndiyo Bongo bro. Simply means brain!
     
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