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Nimeibiwa na Bank naomba msaada

Discussion in 'Jukwaa la Sheria (The Law Forum)' started by Katabazi, Jul 9, 2009.

  1. K

    Katabazi JF-Expert Member

    #1
    Jul 9, 2009
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    Salaam wadau wanasheria,
    Naomba msaada nifanye nini.
    Niliibiwa leaf ya bank. Kwa bahati yangu mwizi hakujua signature yangu vizuri aka forge vibaya vibaya lakini akaweka signature ya pili kana kwamba tunaitumia akaunti hiyo watu 2.
    Akaipeleka kwenye benki yake na kui deposit huko nao wakaileta kwenye benki yangu.
    Nasema benki ndio wameiba kwa sababu kwanza pesa iliyokuwamo kwenye akaunti yangu ilikuwa ni kidogo kuliko pesa aliyojiandikia. Pili sahihi zilizotumika zote si za kwangu. Lakini Benki wakatoa pesa zangu zote na ziada na akaunti yangu ikabaki na debit(ikidaiwa). Nimewapelekea malalamiko yango lakini wananiambia ni mpaka uchunguzi ufanyike nitapata jibu baada ya mwezi. Je kuna mtu anayejua sheria inasemaje kwa suala kama hili?
    Asanteni.
    Katabazi
     
  2. Nemesis

    Nemesis JF-Expert Member

    #2
    Jul 9, 2009
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    pole sana mkuu nenda ofisi ya wakili (advocate) upate ushauri.
     
  3. Homo Habilis

    Homo Habilis Senior Member

    #3
    Jul 9, 2009
    Joined: Jul 2, 2009
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    pole sana ndg yangu,iyo bank imekufanyia mchezo mchafu katika hali ya kawaida hakuna kitu kama hicho yaani hata wasitie mashaka japo kiduchu.! itakuwa hao Teller wamecheza faulo na huyo mwizi a siganature account siku zote inajieleza kama ni ya mtu mmoja,waawili au kampuni anu namna gani lazima details zionekane,mi ninahisi hali itakuwa mbaya hapo mbeleni na hii yote vijana wameingia kwa wingi sana kwenye taasisi za kibenki halafu wanataka kupata maisha mazuri mapema sana hivyo hii michezo itaendelea kila kukicha kama hatua sahihi hazitachukuliwa mapema. Suala lako linatatulika lakini inabidi uwapush sana hao jamaa wa Benki manake utandaji wao ni taratibu na mashaka matupu.
     
  4. Mnhenwa Ndege

    Mnhenwa Ndege JF-Expert Member

    #4
    Jul 9, 2009
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    Kwa scenario kama hiyo, kesi inakupendelea wewe. Ila ni hivi ulipogundua kuwa cheki imeibiwa iliripoti benki, ni jukumu lako kama mteja wa benki kulinda vyombo vya fedha kama cheti ipasavyo ( yani pia kwa upande wako kuna lapse). Kwa upande wa Benki yao walikuwa wazembe, iweje wakupe overdraft bila ruhusa yako kwa kawaida kama pesa haitoshi wangeirudisha cheki tu. Au pengine kuna informal arrangement kama hiyo huwa mara nyengine una issue cheki ikiwa pesa hazitoshi kisha wanakupigia simu ukamilishe ilikujenga heshima yako ya kifedha?

    Benki wanaweza kujenga hoja zifuatazo;
    1. ulipoteza cheki kisha hukutoa taarifa.
    2. Pengine ulicheza mwenyewe ukapanga na mtu utoe fedha kwenye akaunti ambayo fedha hazitoshi uangalie nini kitakachotokea kisha ulalamike.
    3. Pengine ni wafanyikazi wako wa karibu wamecheza mchezo huwo au ndugu zako.
    4. Pengine huwa kuna informal arrangement ya Temparary overdraft benki hiyo wanakupa pindi pale unapopungukiwa wakati inward cheques zako zimekuja, the uka-take advantage ya situation.

    Hoja zako nazo.
    1. Iweje walipe wakati hela hazitoshi kwenye akaunti yako.
    2. A forged signature cannot effect a payment and the bank should be held liable for its action. (this is your very most strong point).
    3. Kwanini hawakuirudisha cheki wakati hela hazitoshi? ( "refer to drawer").
    4. Mbona ni rahisi kumshika mwizi maana alifungua akaunti yake katika benki aliyo-deposit hiyo cheki feki. Na lazima alipofungua akaunti alitoa picha na kitambulisho pamoja referees wawili. lazima kuna details zake kwenye benki ya conman huyo.

    All in all in my perspective wewe kesi utashinda, just confidently go to a lawyer. Kisha kitu chengine muhimu; usiongee na benki yako kwa mdogo waandikie barua uwaeleze management kuhusu tatizo kisha uwatake wakujibu kwa maandishi msimamo wao. Hapo watakuogopa wanaweza kuchukua hatua zakukulipa nje ya mahakama maana uzembe mwingi ni wa kwao.
     
    Last edited: Jul 9, 2009
  5. E

    Exaud Minja Member

    #5
    Jul 9, 2009
    Joined: Mar 13, 2009
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    Pole sana ndugu yangu. Ni rahisi sana kumjua mwizi kama alidipoziti hiyo hela kwasababu all records bank yanazo, labda kama ni wenyewe bank yamekuchezea halafu wanaficha. Watu wameweka mihela ulaya na tukapata details zote hapa bongo si ndio hakuna siri kabisa.

    Kwanza ni bank gani hiyo tuiogope kama ukoma. Bank ziko nyingi siku hizi tusichezewe na bank zinazofanya uzembe wa wizi wakizamani kabisa.

    Ila bank ziwe makini sana kuna watu wamefungua akaunti kwa ajili ya kuiba tu na wanapofanikisha hawaitumii tena hiyo akaunti yenye jina la uongo na details zote za uongo isipokuwa picha tu ambayo siyo rahisi kum identify.

    Ila overdraft payment isingeweza kufanyika bila mwenye akaunti kutafutwa ni kosa kubwa kwa bank na mfanyakazi wa bank aliyesaini na kupitisha baada ya kuangalia kwenye mtandao anawajibika moja kwa moja.
     
  6. K

    Katabazi JF-Expert Member

    #6
    Jul 9, 2009
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    Nawashukuru sana,
    Katabazi.
     
  7. Mazingira

    Mazingira JF-Expert Member

    #7
    Jul 9, 2009
    Joined: May 31, 2009
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    Pole Katabazi. Naona watalaamu wamekupa ushauri mzuri. Kuna mdau kauliza ni benki gani hiyo ili tuwe nayo macho? Maana benki inapokosa integrity inabidi kuitilia shaka kuweka pesa zetu huko.
     
  8. Kyakya

    Kyakya JF-Expert Member

    #8
    Jul 10, 2009
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    Kweli kabisa ni vizuri ukaitaja hiyo bank ni ipi ili tukakaa nayo macho wazi
     
  9. C

    ChiefmTz JF-Expert Member

    #9
    Jul 10, 2009
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    Huo ni wizi. Tafadhali tutajie jina la Benki
     
  10. MwanaHaki

    MwanaHaki JF-Expert Member

    #10
    Jul 12, 2009
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    Hii ina kila dalili ya "inside job", kwa hiyo, nakuongezea pointi nyingine za utetezi:

    1) Kwa kawaida, wewe kama una desturi ya kufanya transactions zako kwenye home branch, tellers huwa wanakukumbuka, kwa kuwa wanakuwa wanakuona hapo mara kwa mara.

    2) Kwa kuwa aliyekwenda hapo kuchukua fedha... kama alienda... ni mtu mwingine, basi, tellers walipaswa kumtambua kwamba si wewe

    3) Lakini kwa kuwa umesema mtu huyo alideposit kwenye benki yake, na wewe peke yako ndiye signatory wa hiyo akaunti, Benki yako ilipaswa kukataa kutambua hiyo cheki, kwa kuwa ililetwa hapo kinyume na taratibu... kama ni single signatory, iweje cheki ije kwa gia ya dual signatory na iwe honoured?

    Ni faulo hiyo!
     
  11. Barubaru

    Barubaru JF-Expert Member

    #11
    Jul 31, 2009
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    Kwa jinsi nilivyoelewa mimi ni kuwa wee upo Bank X na jamaa aliipeleka kudeposite kwenye Bank Y.

    Sasa kwa mantiki hio lazima kuwe na mawasiliano ya ndani baina ya Bank X na Bank Y.Na bank X ni lazima kwanza wakubali kuwa wewe ni mteja wao na status ya account yako.

    Hakika hoja hizo ni za maana sana katika kudai haki yako.
     
  12. Barubaru

    Barubaru JF-Expert Member

    #12
    Jul 31, 2009
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    Kwa jinsi nilivyoelewa mimi ni kuwa wee upo Bank X na jamaa aliipeleka kudeposite kwenye Bank Y.

    Sasa kwa mantiki hio lazima kuwe na mawasiliano ya ndani baina ya Bank X na Bank Y.Na bank X ni lazima kwanza wakubali kuwa wewe ni mteja wao na status ya account yako.

    Hakika hoja hizo ni za maana sana katika kudai haki yako.
     
  13. Mwana wa Mungu

    Mwana wa Mungu JF-Expert Member

    #13
    Aug 2, 2009
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    kesi yako ndogo tu. chukua mwanasheria yoyote atakusaidia, kama hauna, tuwasiliane nitakupeleka kwa mwanasheria anayejua vizuri sheria za bank. ila kumbuka, kitabu chako cha cheque huwa unalazimika kukitunza, mtu mwingine asije akakuzunguka. ndo sababu za usumbufu kama huo. you have the duty kutunza cheque book mzee. kama ulizembea, utasumbuka lakini niliposoma kwa haraka hii issue yako, naona utatoka na hela yako. pole.
     
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