CRDB Bank: What a terrible experience!

[WA-UKENYENGE]

Eh utaenda wapi? mdogo wangu alichoka nakwambia ! sasa hiyo kesi kuendesha si ingechukuwa miaka na kuiendesha ingepitiliza hata hiyo mil 2 , eh!

Hamjasema na watu!! Ongea na watu mpate kufunguka labda zipo nyingi!!

 

[Fidel80]

Kheri yangu mimi sina account CRDB wala NMB

 

[mansakankanmusa]

Mimi nimejipunzisha nanyonywa na NBC, ndo mume wangu, ataninyoaaaa interest sipati, nikiiniza kaEITIEM kangu lazima waninyoe kaakaunti kenyewe nilikafungua chuo nikawa nakula kwa uhuru bilamkukatwa, chochot kamkopo kabdi nikikapata nakakuta kama kalivyo ! looooooo baada ya kumaliza chuo zao wakaanza kuni nanihiii yaani...kazi sina na haha mkopo mgumu nimefungua genge kila nikipeleka hela wanaila, nikaamua niongee na mzee mmoja kisarawe kila nikipata pesa mwisho wa wiki kama mbili hivi laki 1 au na nusu nampelekea kwa hiyo, nimehamia shambani, mkataba na babu ukiisha kuniuzia shamba hen shamba langu kuliko benki..maanina benki hovyo

 

[Suzie]

Yaani hawa ni hopeless zaidi mimi kila nikiona post za CRDB hapa naona siku yangu mbaya kabisa, maana niliibiwa 10M zangu kimazingara wakashindwa nisaidia kabisa

 

[sirghanam]

Nilidhani ni mimi mwenyewe, Nilikimbia bank hii muda mrefu. Nilipata tatizo walilolisababisha wao. Ila ilinichukua muda tena walilitatua kama vile wananifanyia favor. Pumbavu ndio maana pamoja na kujisifu wanakuwa hawajaweza hata kutoka nje ya nchi kama bank za Kenya. HUYU MZEE UWEZO WAKE WA KUONGOZA BANK UMEFIKA MWISHO AWAACHIE WENGINE YEYE AENDELEA NA G8 kuwaaribu wachumba zetu. Pumbavuuuuuuuuuuu

 

[Incredible]

Many people are mislead when they look at CRDB PLC from outside. It is a political financial institution. It has got a number of scandals and that is why a lot of government's fraudulent transactions pass through CRDB,i.e Richmond, EPA just to mention a few.

One of the principle of good lending is that "you must lend the right amount". If a customer has got a contract of say Tshs 200 million and is applying for a facility of Tshs 200 million, do not give him Tshs 50 million. You are wasting his time and causing business loss because he will fail to allocate it in his contract. What can be done to spend Tshs 50 ml in a project of Tshs 200 ml?

A good banker will approve Tshs 200 ml but will enter into a triplicate contract between you, the contract owner, and the bank.In that contract, it will be stipulated that every payment from the contract owner should pass through your account in that bank, so that they deduct their installments. So you cannot run away with their money.

But what i know is that CRDB does not have adequate cash, they always have liquidity problems. And i pressume that the source of their illiquidity stems from their tendency of massaging their profit figures. They declare profit while their interbranch accounts are not balancing. Interbranch accounts should mirror one another, but for CRDB that is not the case. So when these accounts are not balancing it means there are so many fictitiois transactions dumped there which need to find their way to P & L a/c.

I aslo know a family whose house was mistakenly sold by CRDB after some gangstars had used counterfeit documents and claimed that house to be their collateral and got a loan from crdb by colluding with some employees in 2002. Up to this moment, that family is still strungling in courts to get their house back.

One contributor has mentioned about a maturing fixed deposit account whose funds were transferred to a suspense account. What is a suspense? It is an account where accountants post figure temporarily while looking for its origin. It does not attract any penalty because you do not know what that figure relates to. But a good software will automatically return that money into your savings account because the savings account and FDR are linked together. I am saddened by that daytime theft.

Guys i have a lot to tell about CRDB and many banks in our country but this is enough for today. May be one day i will write an article on how we are being robbed by our banks in Tanzania and BoT being a teethless watchdog

I SUBMIT

 

[Maundumula]

Nkosikazi,

Kwanza hiyo collateral 320 ni forced sale Value au market Value?

Hata kama collateral ingekuwa ni 500M my brother, ninahakika wamekwambia uwe una submit Financials zako from time to time kuona business yako inaendeleaje. Sasa kama Business inayumba wanahisi labda matumizi makubwa, cash flow imeanza kuwa sio ile kama hapo awali mlivyotarajia wana kila sababu ya kutokupa. Inawezekana pia umepewa mkopo ukaingiza pesa kwenye mradi mwingine.Ila ukumbuke pia kuwa OD ni renewable mwaka kwa mwaka, sasa pengine last time wali renew tu ili mradi lakini hawakufurahishwa na mwenendo wako inawezekana.

Otherwise wangekupa lakini wangeomba uongeze Collateral. Kwakuwa Collateral haina faida yeyote kwa benki na benki sio kazi yake kuuza viwanja vya watu wala kupelekana mahakamani. Nakushauri nenda ukaulize vizuri benki yako ni wapi ulikwama ili wakuelezee pengine hata financials zako huwa hupeleki mara kwa mara kwao ndio maana wana wasi wasi na maendeleo ya mradi wako.

 

[Dr Matola PhD]

Yaani hawa ni hopeless zaidi mimi kila nikiona post za CRDB hapa naona siku yangu mbaya kabisa, maana niliibiwa 10M zangu kimazingara wakashindwa nisaidia kabisa

Jamani hivi wenzetu hizi pesa mnatowa wapi! au mna migodi? maana Millioni 10 ukinidhurumu mimi unaweza hata kunisababishia tatizo kubwa la kisaikolojia.

 

[Maundumula]

One of the principle of good lending is that "you must lend the right amount". If a customer has got a contract of say Tshs 200 million and is applying for a facility of Tshs 200 million, do not give him Tshs 50 million.

Incredible,

Pengine hawajaona umuhimu wa huyu jamaa kuomba hilo ongezo, vinginevyo 50M ni ndogo sana wangeweza kumpa temporary OD kama amekuwa anafanya malipo kwa wakati. Sasa wewe una OD CRDB halafu una account nyingine NMB na malipo yako yote yanapita NMB hapo lazima utakuwa na matatizo.

 

[Bajabiri]

hahahahaaa....sasa hawa wanafanyaje hapa????(i mean kwenye uzi huu)

 

[Maundumula]

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.

Mkomatembo,

Yaani unataka kunambia alipoteza ile certificate yake ya FDR? siamini kama hiyo pesa ilipotea labda huyo dogo alikudanganya, ningekuwa mimi ningeleta valangati mlangoni kwa Kimei hadi wangenipa.

 

[Bajabiri]

Me kilio changu kwa crdb ni mi-ATM yao,,,,na sim zao fake za kastama kea,,,,,

 

[Bajabiri]

Mkomatembo,

Yaani unataka kunambia alipoteza ile certificate yake ya FDR? siamini kama hiyo pesa ilipotea labda huyo dogo alikudanganya, ningekuwa mimi ningeleta valangati mlangoni kwa Kimei hadi wangenipa.

we r on the same boat,,,,,,,pande za haki huwa nauvua uungwana

 

[ITEGAMATWI]

He?Sasa tukimbilie Bank gani jamani,kumbe hata hawa jamaa ni wezi pia?

 

[Mtambuzi]

Heri yangu mie Mmasai natembea na hela yangu yote kwa pochi na nyingine anaficha mama Ngina mvunguni mwa Kitanda...... Siamini mtu wala Benki, hela yangu naichungulia mchagoni kila siku....

 

[mkomatembo]

Many people are mislead when they look at CRDB PLC from outside. It is a political financial institution. It has got a number of scandals and that is why a lot of government's fraudulent transactions pass through CRDB,i.e Richmond, EPA just to mention a few.

One of the principle of good lending is that "you must lend the right amount". If a customer has got a contract of say Tshs 200 million and is applying for a facility of Tshs 200 million, do not give him Tshs 50 million. You are wasting his time and causing business loss because he will fail to allocate it in his contract. What can be done to spend Tshs 50 ml in a project of Tshs 200 ml?

A good banker will approve Tshs 200 ml but will enter into a triplicate contract between you, the contract owner, and the bank.In that contract, it will be stipulated that every payment from the contract owner should pass through your account in that bank, so that they deduct their installments. So you cannot run away with their money.

But what i know is that CRDB does not have adequate cash, they always have liquidity problems. And i pressume that the source of their illiquidity stems from their tendency of massaging their profit figures. They declare profit while their interbranch accounts are not balancing. Interbranch accounts should mirror one another, but for CRDB that is not the case. So when these accounts are not balancing it means there are so many fictitiois transactions dumped there which need to find their way to P & L a/c.

I aslo know a family whose house was mistakenly sold by CRDB after some gangstars had used counterfeit documents and claimed that house to be their collateral and got a loan from crdb by colluding with some employees in 2002. Up to this moment, that family is still strungling in courts to get their house back.

One contributor has mentioned about a maturing fixed deposit account whose funds were transferred to a suspense account. What is a suspense? It is an account where accountants post figure temporarily while looking for its origin. It does not attract any penalty because you do not know what that figure relates to. But a good software will automatically return that money into your savings account because the savings account and FDR are linked together. I am saddened by that daytime theft.

Guys i have a lot to tell about CRDB and many banks in our country but this is enough for today. May be one day i will write an article on how we are being robbed by our banks in Tanzania and BoT being a teethless watchdog

I SUBMIT

Mimi hapa pia nilishangaa, kwanini pesa iende Suspense account wakati huyu alikuwa na savings account, Bank nyingi pesa ikimature automatically inaenda kwenye savings, hii ni njia wa wizi kwa kuwa mtu asipokuja kuchukuwa pesa yake ndio inaliwa kihivo ! ni benki inayovutia kwa nje lakini ndani mh! labda ibadilike ! kwa kweli hii mil 2 siku moja italipa tu ! mnaniona wa ajabu ipo siku Mungu atalipa kweli tumemuachia Mungu tunajua huko ndio malipo yote yapo! duniani hakuna justice !

 

[mkomatembo]

Mkomatembo,

Yaani unataka kunambia alipoteza ile certificate yake ya FDR? siamini kama hiyo pesa ilipotea labda huyo dogo alikudanganya, ningekuwa mimi ningeleta valangati mlangoni kwa Kimei hadi wangenipa.

Tuna kila kitu, receipts zote nakwambia tumeenda na hivo vielelezo na yule manager pale holland alikubali ni kosa na tukajua zimeliwa na huyo mtu na jina tunalo na alifukuzwa, cha ajbu badala ya kutulipa ni mizunguko na mwisho tena yule baba akawa mkali kweli kweli ! tulifikiria kwenda kwa Kimei tukaona tutampata wapi na utaingilia mlango gani! aaaah!

 

[mhondo]

Eh utaenda wapi? mdogo wangu alichoka nakwambia ! sasa hiyo kesi kuendesha si ingechukuwa miaka na kuiendesha ingepitiliza hata hiyo mil 2 , eh!

Hakuna sehemu ya kupeleka malalamiko kama vile Wizara ya Fedha au BOT?.

 

[Maundumula]

Tuna kila kitu, receipts zote nakwambia tumeenda na hivo vielelezo na yule manager pale holland alikubali ni kosa na tukajua zimeliwa na huyo mtu na jina tunalo na alifukuzwa, cha ajbu badala ya kutulipa ni mizunguko na mwisho tena yule baba akawa mkali kweli kweli ! tulifikiria kwenda kwa Kimei tukaona tutampata wapi na utaingilia mlango gani! aaaah!

Mkomatembo,

KIla boss ana boss zaidi yake, andika E-mail kali sana unamtumia Director wao Operations una copy Director Risk , una copy Director Marketing , una copy huyo branch Manager na una copy MD-Kimei. Unachohitaji mtu wa ndani tu akupe hizi contacts zao, halafu kama hujapata pesa zako within one week unatuma reminder 1 unaanza kusikilizia. Nakwambia lazima upate pesa zako kaka. System za kibenki hazipotezi kumbukumbu, huyo anayefanya reconciliation atakurupushwa huko alipo ataanzia nyuma hata kama mwaka 1996.

Kwenye hiyo e-mail usisahau ku attach copy yako ya certificate ya FDR

Utashangaa sana bro badala ya wewe kuwa unawatafuta wao wataanza kukutafuta wewe!

 

[Tutafika]

Yaani hawa ni hopeless zaidi mimi kila nikiona post za CRDB hapa naona siku yangu mbaya kabisa, maana niliibiwa 10M zangu kimazingara wakashindwa nisaidia kabisa

Hivi mko serious kweli, haya maneno ya kuibiwa unamwachia Mungu yanatokana na nini? Mi nilikuta 70,000 imepungua siku hiyo hakuna aliefunga benki. Walileta longo longo eti nimewapa watu password na hela imetolewa ATM, nikauliza ya wapi?, ilikua lumumba wakaniuliza na wao ulifungulia account wapi?, balaa likaanzia hapo kwenye majibu ya hovyo. Mpaka Brach manager alikuja, akanishauri niende Azikiwe nilikofungulia account. Nilienda nikaeleza mkasa mzima wakachek wakaona ni ATM ya PPF tower imehusika. Nikawaambia nataka hii hela sasahivi, nao walinisukumia PPF. nilifika hapo na ilikua mida ya kufunga, nikawaambia nataka hela sio story, ilibidi nibaki humo na watumishi kufuatilia camera tuone mwizi nani.

Wee, nguvu zote ziliniishia nilipoona ni mdogo wangu ambae nilijua hajawahi hata kuiona ATM card yangu. Basi nilijifanya simjui na nikaaga eti nitarudi kesho kwa taratibu za kuandika barua ya ku-claim. Sijarudi hadi leo.

Najua mnataka kujua huko nyumbani ilikuaje, ila nachotaka kuwaambia ni kwamba futeni hizo habari za kumwachia Mungu, dai haki yenu hadi ipatikane.