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Wizi kwenye mabenki nbc na zingine kwa kutumia master card

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by BUBE, Jul 20, 2012.

  1. B

    BUBE JF-Expert Member

    #1
    Jul 20, 2012
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    Wandugu wanajamvi. Siku za karibuni kumekuwepo wizi wa kutisha kwenye mabenki kutumia mitandao. Lakini inaonekana benki zetu hawajachukua tahadhari ya kutosha na bado haijulikani liability inakuwa ya nani endapo wizi unatokea.Mwezi Mei 2012 rafiki yangu aligundua ameibiwa kiasi cha mil2 kupitia kwenye Master card. Yeye aliripoti haraka sana, akapeleka vielelezo vyote kule makao makuu ya NBC. Iligundulika kuwa maeneo walikochoka hela ni kule Mlimani city pamoja na kwenye ATM za exim.Hata hivyo waliahidi kumpa majibu sahihi baada ya siku 45! (just imagine kama ndo ilikuwa akiba yako unasubiri muda wote huu). Juzi kati benki wamempigia simu na kumwambia inaelekea hela alizichukua mwenyewe (hawakutoa cctv evidence ju-justify conclusion yao). Sasa ndugu anahaha na mwezi huu ni mwezi wa kuwarudisha watoto shule, lazima kulipia ada. Mbaya zaidi rafiki yangu amechanganyikiwa in terms of what next. Je sheria za kifedha zinamlinda vipi mtenja wa benki endapo tukio kama hili likitokea? Pili huyo rafiki anafikiria kuwachukulia hatua za kisheria....je kuna mtu anaweza kutoa mwongozo (sio wa spika bali wa kisheria) ni jinsi gani rafiki yangu anaweza kupata haki yake?

    Kwa maoni yangu:
    Inaelekea benki zetu nyingi zimeshindwa kuthibiti wizi huu, lakini kuna uwezekano kabisa wafanyakazi wa benki ama wale wanaohusika na ATM wakawa sio waaminifu wanachukua namba za siri na kuwaliza wateja. This is not acceptaable and should be dealt by all means
     
  2. Kwetunikwetu

    Kwetunikwetu JF-Expert Member

    #2
    Jul 20, 2012
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    Nafikiri anaweza kuomba bank statement then aangalie hizo fedha zilitokaje......then afungue kesi ya madai dhidi ya benki. My experience kuna jamaa yangu aliwahi kulizwa 4,000 USD toka Barclays Uganda, alikomaa nao mpaka wakamrudishia. Sometimes hivi vijisenti ni bora kuvifungia ndani tu badala ya kuhangaika na mabenki uchwara
     
  3. U

    Uswe JF-Expert Member

    #3
    Jul 20, 2012
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    Why switch a local transaction marekani? Kama uko na account ya NBC unatumia ATM ya CRDB ni sawasawa na uko tanzania lakini kutumia line ya marekani kumpigia rafiki yako uliyenae Tanzania.

    gharama ya kuchukua pesa kwenye ATM ni sh 500 hadi 750 kutegemea na benki yako, lakini kama utatumia hizo mastercard/visacard unachajiwa 1500 hadi 4000 kwa kila transaction. . . back to my first point, why switch a local transaction abroad?

    nina-declare interest, mimi ni mfanyakazi wa umojaswitch, tuko na SLA kati ya members wote kwamba kwetu mteja comes first, inapotokea mteja analalamika kwamba hajachukua pesa (huwa inatokea) benki haiwezi kuishia kumwambia ulichukua pesa mwenyewe, benki ni lazima itoe evidence kuonyesha nani kachukua hizo pesa.

    with UmojaSwitch your money is always safe, jiunge na benki ambayo ni member wa umoja and you will always be safe.

    Mwisho, pole ila komaa nao, kila benki na reconciliation department, waambie wachunguze na wakupe uthibitisho kwamba wewe ndie umechukua hizo pesa, ni haki yako
     
  4. M

    MTK JF-Expert Member

    #4
    Jul 20, 2012
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    Well spoken, but then what is the guiding principle inayomlinda mteja katika hali kama hiyo?!, to a layman mara nyingi hatujui wapi pa kuanzia, ethics na professionalism katika mabenki siku hizi ni kitu adimu saaaaaana!! ukikikuta kibinti hivi kimesimama kwenye mchuchumio na kisimu mkononi unauliza swali kinakuangalia kama nyanya mbovu kinakujibu kikiongelea puani, unajikatia tamaa ndio hasara hivyo, ukiripoti kwa bosi unakuta anakula na binti anakutolea nje tena, uwezekano wa inside job upo pia na ni mkubwa; hasa katika vinchi vyetu hivi vinavyokabiliwa na janga la mmomonyoko mkubwa wa maadili katika kiwango cha Tsunami!!!! tupeni uhakika vinginevyo I am foreseeing a run on the banks in the foreseeable future.
     
  5. U

    Uswe JF-Expert Member

    #5
    Jul 20, 2012
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    push until something happens, hii si tu benki customer service kwenye sehemu nyingi za hii nchi zimehaibika, kuna njia nimeitumia kwenye TTCL, Tigo, Airtel, TANESCO na CRDB and it seems to work.

    if you can get name of the officer who is attending you it works even better, get all your facts, majibu yote anayokupa, ahadi zote anazokupa we document, akikuambia njoo kesho we muulize nimeongea na nani tafadhali, ukishapigwa pigwa danadana, get emails of every person you know or you can get hold of kutoka hiyo kampuni afu watumie, i have tried it kwenye hizo kampuni nimezitaja na it worked 100% sijui kama wahusika walichukua hatua yoyoote lakini at least shida yangu ilitatuliwa.

    with CRDB ilikua ni pesa yangu imerejeshwa kutoka ebay na wakawa hawarudishi, nikaenda kwenye web yao nikakusha email zoooote nilizozikuta nikaitumia email. . . i three days mambo yakawa sawa.
     
  6. Maundumula

    Maundumula JF-Expert Member

    #6
    Jul 20, 2012
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    Ndugu yangu mimi ninavyofahamu hamna mfanyakazi wa benki mwenye uwezo wa kuona Password ya mteja hata awe CEO awe IT Manager , wote hawawezi . Na kwa kawaida unakuta mtunza kadi mwengine na anayekaa na PIN mwengine ndio maana mnachukulia kadi pengine na PIN alikadhalika. Na vilevile hizo PIN zenu mnaweza kubadilisha wakati wowote na mnapopewa zile PIN Mailer mnaambiwa nendeni mkabadilishe PIN zenu lakini cha ajabu watanzania wengi huwa hawabadilishi zile PIN za awali.

    Kwenye swala kama hili kinachotakiwa ni ushahidi wa kuonesha kama mhusika alichukua pesa na ushahidi wa namna hii mara nyingi unapatikana kwa kutumia CCTV. Sasa hapa inategemea na retention ya CCTV ya benki husika wengine unakuta 90 days max lakini wengi wao unaweza kukuta 20-60 days. Na Retention hutegemea movements so inaweza kuwa ya 3 months lakini mishe mishe zikawa nyingi mwezi mmoja tu unakuta picha zimejaa inaanza kufuta za zamani.

    Sasa ugumu zaidi unakuja pale ambapo wewe mteja wa NBC halafu pesa zako zimechukuliwa Exim sasa hapo ni kasheshe maana mawasiliano baina ya benki na benki ni finyu mnoo. Linapokuja swala ambalo sio la mteja wao kwakweli benki nyingi huwa hazijihangaishi sana. Mpe pole rafiki yako lakini mpe angalizo kuwa asilimia 95% wanaochukua pesa ni watu wenye PIN zenu na wanakuwa watu wa karibu mfano dada,kaka,husband,wife,friend,roomate etc asije akaja kuoneshwa picha za CCTV akamuona shemeji yetu akaanza kung'aa macho.
     
  7. kussy

    kussy JF-Expert Member

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    Jul 20, 2012
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    kaka nami nilishawahi post humu kisa changu kinachofanana na hicho, nami nimeibiwa kwenye Account yangu ya CRDB, na hela zangu zilikuwa zimetolewa kupitia ATM za EXIM BANK, mwezi April nikaenda tawini nikaambiwa nisubiri 45 days, mpaka sasa hawajrudisha hela yangu visingizio vingii, naambiwa tena 30 days yaani keeeeeeeeeeeeeeeero!
     
  8. chash

    chash JF-Expert Member

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    Jul 20, 2012
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    Kama atm card haikupotea ni vigumu hela itoke kwenye ATM. Atakuwa aliazima ndugu au rafiki. Otherwise itakuwa inside job ya wafanyakazi wa benki na akifuatilia kwa fujo pamoja na kuwapiga barua kutoka kwa wakili kwamba irejeshwe without delay watafanya hivyo. Jamaa yako aangalia tu asije akaumbuka kwamba mkewe alifanya ka shopping kadogo.
     
  9. B

    BUBE JF-Expert Member

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    Jul 21, 2012
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    Samahani nilikwenda mashambani tangu nimetuma thread jana. Lakni ndo nimerudi sasa. Nilitaka kusema kuwa mhusika ameprint hivyo vyote, yeye amekuwa makini kwa kuwa kila mara anapodraw hela kwenye ATM anachukua na kutunza slip zile. Sasa alipokwenda NBC aliawapatia nakala za zile slip ambazo zilifuatiwa na wizi, akaambatanisha na barua ya malalamiko. Jambo la kushangaza ni kwamba NBC walipompigia simu kumweleza kuwa hawatampa, alikwenda ofisini kwao tena, Mshituko ukawa kuwa kwenye barua yake ya malalamiko hakuna zile attachments...haijulikani ni nani amezichukua!

    Otherwise unalosema ni kweli ni vema kuweka hela nyumbani vijisenti vyako kuliko kuhangaika na vibenki uchwala. Changamoto ni watoto wa kova, wakizinusa nyumbani kwako umekwenda na maji. Pia hela zinashawishi, sometimes you end up spending on unnecessary things. Otherwise kwa mfumo wetu wa Tz hakuna mtu ambaye angependa kuweka (achilia mbali kukopa fedha benki). Kimsingi mifumo ya kibenki kwa Tz inabakia kiama kwa wtz wengi. Kama mfano tu, rafiki yangu alikopa kiasi cha Tz mil 24, gharama za loan processing wakamkata Tzs .9mil. Huo mkopo analipa tz 745,000 kwa mwezi muda wa miaka minne (4). Zidisha 48monthsx745,000 unapata 35.8mil. Kwa maana nyingine kwkt miaka 4 mtu analipa almost Mil 12 kwa mkopo wa mil 24! Sasa ukija kwenye reality, unaona kuwa kwa mfumko wa bei tulio nao pengine benki za mikopo zipo sahihi....maana items (hasa za ujenzi) za kiasi cha mil 24 gharama yake kwa sasa ni zaidi ya 40milion! QuOTE=Kwetunikwetu;4278226]Nafikiri anaweza kuomba bank statement then aangalie hizo fedha zilitokaje......then afungue kesi ya madai dhidi ya benki. My experience kuna jamaa yangu aliwahi kulizwa 4,000 USD toka Barclays Uganda, alikomaa nao mpaka wakamrudishia. Sometimes hivi vijisenti ni bora kuvifungia ndani tu badala ya kuhangaika na mabenki uchwara[/QUOTE]
     
  10. B

    BUBE JF-Expert Member

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    Jul 21, 2012
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    Mkuu sijui wewe unaongea kwa ushahidi upi! Jamaa yangu mwingine, juzi kati alipoteza hela kwa ATM ya CRDB! Yeye anaishi Dar, kipindi inachoonesha amechukua hela -tena kwenye ATM iliyoko Arusha wakati yeye kipindi hicho alikuwa Mtwara! Hajawahi kumwachia mtu kadi, hana mke, anatembea nayo 24/7! Wizi huu kwenye ATM nadhani unaweza kuwa unawahusisha wafanyakazi wa kwenye baadhi ya mabenki (hasa ma IT) na waendeshaji wa ATM zenyewe. Sina hakika kama umefanya utafiti kujua endapo hela haziwezi kutolewa kwenye ATm bila kutumia kadi ya mhusika!
     
  11. B

    BUBE JF-Expert Member

    #11
    Jul 21, 2012
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    Mkuu kussy sina hakika kama tuna sheria za kumlinda mtumiaji wa ATM pale ambapo idara ya benki (wafanyakazi wasio waadilifu) wame-temper na key codes za account ya mteja! Kwa sasa baadhi ya mabenki yameanzishwa mfumo mzuri (kidogo) unapodraw hela kwenye account within 5minutes inakuletea ujumbe kukuuliza kama endapo unafahamu hiyo transaction, walau wanaweza kufatilia mapema. Kwa bahati mbaya baadhi yetu huwa tunapenda kudunduliza bila kuangalia kiasi -hasa ukiwa unalengo maalum (km kununua gari au kujenga nyumba). Sasa jamaa wanapogundua mambo kama hayo wanajichoteea kilaaaaaaaaaaiiiiiiiini! Hii ni mbaya sana, ni nani ambaye anaweza kujua account inawekwa hela bila kutolewa isipokuwa awe ni mfanyakazi wa benki husika?
     
  12. B

    BUBE JF-Expert Member

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    Nafahamu all those complications za retention za kibenki na inter-bank ATM transactions. Hebu nikupe kisa kingine, cha MAster KAdi sitataja benki ipi, but kama mnavyojua baadhi ya mabenki yanatumia MAster card, na baadhi ya maduka yana-accept hizo kulipia na vile vile baadhi ya maduka makubwa ya utaratibu wa kuwapatia bonus wafanyakazi wenye bulky sale kila mwezi, au miezi sita au mwaka! Very recently kisa hiki kimemhusisha kijana kwenye duka mojawapo. Ukitaka kuwa candidate wa kupewa bonus kama mfanyakazi wa mwezi/mwaka inakubidi uweze kukeep record na ikiwezekana contacts za wateja wako.Kilimochomtokea kijana huyo, amewahi kupewa bonus na kwa hiyo anayoorodha ya baadhi ya wateja wake wanaonunua vitu vingi. Siku ya siku kijana amepigiwa na mteja huyo kwamba anakuja kununua vitu. Muda ulipokaribia akamwambia amepata dharura lakini badala yake anamtuma kijana wake aje kununua vitu pale dukani. Huyo kijana kaja na instructions za kumwona huyo mhusika dukani, akaenda kuchukua vitu ndani, kisha jamaa akahakiki na kumwelekeza eneo la kwenda kulipia....kumbe Master card hiyo ya wizi! Imeibiwa kutoka kwa jamaa na amekwisha kui=block. Sipendi kwenda kwenye details, lakini uchunguzi ulimhusisha kijana mmoja anayefanya kazi ya IT kwenye benki mojawapo! Mimi sidhani ni haki kuendelea kudhani uhuni huu haupo. Ni muda muafaka kwa mabenki kujisafisha na kuepusha uhuni huu unaendeshwa kwenye ATM nyingi!
     
  13. B

    BUBE JF-Expert Member

    #13
    Jul 21, 2012
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    Mkuu USWe huo ni ushauri mzuri, lakini wakati mwema anafundisha utii wa sheria pasipo shurti, je sisi na hasa wafanyakazi/watoa huduma hatuwezi kutoa huduma pasipo tips (sorry that is very common in India na recently nimesikia MIsri pia...hupati huduma...au ukipata lazima ujiandae kutoa asante....wakati hiyo huduma tayari unailipia through other legal systems). MImi nadhani ni vibaya kununua HAKI! Ni vibaya kudai malipo kwa kutoa HAKI! Ni vibaya kudai malipo (ya binafsi) wakati unaTIMIZA wajibu! Ifike sehemu watz wasema mambo ya chini kwa chini yamekwisha lazima kuwa waadilifu na kutenda kwa weledi!
     
  14. Rural Swagga

    Rural Swagga JF-Expert Member

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    Ngugu Uswe nawakubali sana Umoja Switch,,,,,Fikisha salamu zangu kwa bwana Mbilinyi,,,mwenyezi Mungu amzidishie baraka na afya njema
     
  15. U

    Uswe JF-Expert Member

    #15
    Jul 21, 2012
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    anakufahamu kwa Rural Swagga? ninashukuru na hakika nitafisha salam.

    tarehe 31 July tunaanza cardless and interbank transfers kupitia ATM, mwezi wa kumi na moja tunalaunch mobile banking
     
  16. Rural Swagga

    Rural Swagga JF-Expert Member

    #16
    Jul 23, 2012
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    Hanifahamu kwa jina hilo,,,mimi ni mdau wenu mkubwa sana,,,Na ni Mteja wenu pia,,na nina hisi kwenye zile meetings na workshop za umoja huwa tunakuwa pamoja mkuu
     
  17. U

    Uswe JF-Expert Member

    #17
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    hahahaaaa basi safi,tukikutana tena, unitambulishe mkuu
     
  18. MwanaHaki

    MwanaHaki JF-Expert Member

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    Jul 23, 2012
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    Umefika wakati wa kuleta Biometric ATMs. Ubishi wote utaisha. Hata wakikukata kidole chako, hawatafanikiwa kutumia fingerprint yako!
     
  19. N

    Nteko Vano JF-Expert Member

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    Jul 24, 2012
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    Huu wizi upo jamani. Nimeshuhudia rafiki yangu alikuwa masomoni nje. Akawa amenunua credit skype. Basi baada ya muda kazaa wakakomba hela zake benk ya NBC. Akafikiri ni frauding ya kwenye mtandao ikabidi aulize benk. Alipofuatilia akakuta kwanza iliingizwa sh laki 8 kwenye akaunti yake halafu siku ya pili ikatoweka na hela yake pia akaambia ametumia hela kwenye suermaket huko nje wakati hajatumia. Alipewa bank statement akauliza hii laki 8 imeingizwa na nani? Maana kwenye statement haineshi nani kaingiza. Alianzia UDSM branch wakamzingua kwa majibu yasiyoeleweka. Akaenda makao makuu na corprate branch pale wakamwambia hapa pana tatizo, yule dada pale akataka kumsaidia lakini alipoenda kwa boss wake akachomoa. Jamaa akaambia aende samora branch ambako kuna kitengo cha mawasiliano. Pale samora alivyokuwa anaelezea akatokea mama mmoja mfanyakazi akawa anambinya yule dada kaunta. Tukaona hapa kuna mchezo ambao umefanyika. Yule dada wa kaunta akataka kutusaidia kwasababu aligundua kuna kitu pale, lakini yule mama akaja tena akamwambia yule dada hii kesi ngumu kidogo rafiki yangu aandike barua ili apewe majibu. Tukagundua kuwa huu mchezo ni wa wale wa samora mawasiliano, udsm branch na makao makuu. Kwahyo huu ni mchezo wa wafanyakazi wa benki
     
  20. rmashauri

    rmashauri JF-Expert Member

    #20
    Jul 24, 2012
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    Kwa maelezo ya wadau hapa nimegundua kuwa NBC na CRDB si salama kuweka pesa zako huko na hasa kwa watumiaji wa VisaCard na Master card. Nimeogopa.
     
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