Idan naje Cire kuɗi sai suka Maƙale a POS ko ATM ko ONLINE zan iya zuwa kotu neman diyya ?
Marubuci: Shehu Rahinat Na’Allah
Kamar yadda muka sani, duk wanda kaga yaje Banki ko POS ko ATM MACHINE cirar Kuɗi to buƙatar kuɗin ne ta taso masa, amma kuma lokuta da dama sai a samu matsala ga kuɗin ya nuna ya fita amma kuma kai basu baka ba, irin wannan matsalar tana faruwa ne ta hanyar amfani da ATM, ko POS ko kuma Online Transaction, alhali kai kuma kana da buƙatar kuɗin ka a lokacin, za kaje banki amma su yita yimaka jan rai da wulaƙanta ka, barin ma idan Allah yasa baka iya Yaren turanci ba, ko kuma koda ka iya to kai baka iya hayaniya ba, to a haka za su yita jijjigaka son ran su, a ƙarshe saidai ka hakura har sai lokacin da suka ga damar dawo maka da kuɗin, So, Insha’Allah wannan yazo ƙarshe domin kuwa In baka sani ba, yau ka sani, kana da damar kai ƙarar bankin a gaban kotu, kuma Insha’Allah zaka samu Alkhairi sosai idan kayi haka.
A Shekarar 2020 Babban bankin ƙasa wato CBN ya bada Umarni kamar haka:
1• Failed “On-Us” ATM transactions:
Wannan yana nufin idan kaje cirar Kuɗi a bankin ka, Misali kana amfani da Union Bank, sai kaje ATM MACHINE na Union Bank zaka cire kuɗi, sai suka yi debiting ɗin ka amma kuma basu baka kuɗin ba to lallai ne su dawo maka da kudin ka nan take, idan kuma har an samu matsalar Network ya zama ba za’a iya dawo maka da kudin nan take ba, to abinda CBN yace shine kar a sake kuɗin ka su haura awa Ashirin da huɗu (24 hours) ba tare da an dawo maka dasu ba.
2• Refunds for failed “Not-on-Us” ATM transactions:
Wannan kuma yana nufin idan kaje cire kuɗi ta hanyar amfani da ATM MACHINE Amma ba na bankin ka ba, Misali, kana amfani da GTBank sai kaje Union Bank zaka cire kuɗi, to idan kudin naka ya maƙale CBN yace lallai a dawo maka da kudin ka cikin awa arba’in da takwas (48 hours, Wato kwana biyu Kenan)
3• Resolution of disputed/failed PoS or Web transactions:
Wannan shi kuma yana nufin idan har kaje cirar Kuɗi ta hanyar amfani da POS, ko kuma kayi transaction ɗin ka Online amma sai kuɗin ya maƙale to lallai ne bankin su dawo maka da kuɗin ka cikin awa Saba’in da biyu (72 hours)
Idan har suka saba ɗaya daga cikin waɗannan dokoki guda uku, to sun aikata laifi don haka zaka iya kaisu ƙara kotu, kamar yadda:
1• Mrs. Idongesit Utibe Nwoko takai ƙarar Polaris Bank akan kuɗin ta dubu sittin (₦60,000.00) sun maƙale amma bankin yaƙi ya dawo mata dasu cikin lokaci kamar yadda doka tace, a ƙarshe kotu ta sanya Bankin Polaris Saida ya biya ta Tarar kuɗi Naira Dubu Ɗari Biyar (₦500,000.00)
2• Shima Omogiade Mega Gideon haka ta faru dashi, yaje ya cire dubu Ashirin da bakwai (₦27,000) amma suka maƙale da yaje kotu, kotu tace lallai ne bankin ya biya shi diyyar kuɗi Naira dubu ɗari da Hamsin (₦150,000.00)
3• A ƙarshe, shima Moses Jwan ya Kai ƙarar Ecobank akan irin wannan matsalar don haka kotu ta tilasta ma bankin cewa dole sai ya biya shi diyyar kuɗi Naira dubu ɗari biyar (₦500,000.00) sakamakon maƙalewar da kuɗin sa dubu goma (₦10,000) sukayi a bankin kuma ba’a dawo mashi dasu akan lokaci ba.
Don haka, duk lokacin da ka samu irin wannan matsalar to ka riƙa lissafi kana ganin lokacin ya cika basu dawo maka da kudin ka ba, to ka nemi lauya kawai kuje kotu, don kuwa kune da Nasara Insha’Allah.
Kamar yadda muka sani, duk wanda kaga yaje Banki ko POS ko ATM MACHINE cirar Kuɗi to buƙatar kuɗin ne ta taso masa, amma kuma lokuta da dama sai a samu matsala ga kuɗin ya nuna ya fita amma kuma kai basu baka ba, irin wannan matsalar tana faruwa ne ta hanyar amfani da ATM, ko POS ko kuma Online Transaction, alhali kai kuma kana da buƙatar kuɗin ka a lokacin, za kaje banki amma su yita yimaka jan rai da wulaƙanta ka, barin ma idan Allah yasa baka iya Yaren turanci ba, ko kuma koda ka iya to kai baka iya hayaniya ba, to a haka za su yita jijjigaka son ran su, a ƙarshe saidai ka hakura har sai lokacin da suka ga damar dawo maka da kuɗin, So, Insha’Allah wannan yazo ƙarshe domin kuwa In baka sani ba, yau ka sani, kana da damar kai ƙarar bankin a gaban kotu, kuma Insha’Allah zaka samu Alkhairi sosai idan kayi haka.
A Shekarar 2020 Babban bankin ƙasa wato CBN ya bada Umarni kamar haka:
1• Failed “On-Us” ATM transactions:
Wannan yana nufin idan kaje cirar Kuɗi a bankin ka, Misali kana amfani da Union Bank, sai kaje ATM MACHINE na Union Bank zaka cire kuɗi, sai suka yi debiting ɗin ka amma kuma basu baka kuɗin ba to lallai ne su dawo maka da kudin ka nan take, idan kuma har an samu matsalar Network ya zama ba za’a iya dawo maka da kudin nan take ba, to abinda CBN yace shine kar a sake kuɗin ka su haura awa Ashirin da huɗu (24 hours) ba tare da an dawo maka dasu ba.
2• Refunds for failed “Not-on-Us” ATM transactions:
Wannan kuma yana nufin idan kaje cire kuɗi ta hanyar amfani da ATM MACHINE Amma ba na bankin ka ba, Misali, kana amfani da GTBank sai kaje Union Bank zaka cire kuɗi, to idan kudin naka ya maƙale CBN yace lallai a dawo maka da kudin ka cikin awa arba’in da takwas (48 hours, Wato kwana biyu Kenan)
3• Resolution of disputed/failed PoS or Web transactions:
Wannan shi kuma yana nufin idan har kaje cirar Kuɗi ta hanyar amfani da POS, ko kuma kayi transaction ɗin ka Online amma sai kuɗin ya maƙale to lallai ne bankin su dawo maka da kuɗin ka cikin awa Saba’in da biyu (72 hours)
Idan har suka saba ɗaya daga cikin waɗannan dokoki guda uku, to sun aikata laifi don haka zaka iya kaisu ƙara kotu, kamar yadda:
1• Mrs. Idongesit Utibe Nwoko takai ƙarar Polaris Bank akan kuɗin ta dubu sittin (₦60,000.00) sun maƙale amma bankin yaƙi ya dawo mata dasu cikin lokaci kamar yadda doka tace, a ƙarshe kotu ta sanya Bankin Polaris Saida ya biya ta Tarar kuɗi Naira Dubu Ɗari Biyar (₦500,000.00)
2• Shima Omogiade Mega Gideon haka ta faru dashi, yaje ya cire dubu Ashirin da bakwai (₦27,000) amma suka maƙale da yaje kotu, kotu tace lallai ne bankin ya biya shi diyyar kuɗi Naira dubu ɗari da Hamsin (₦150,000.00)
3• A ƙarshe, shima Moses Jwan ya Kai ƙarar Ecobank akan irin wannan matsalar don haka kotu ta tilasta ma bankin cewa dole sai ya biya shi diyyar kuɗi Naira dubu ɗari biyar (₦500,000.00) sakamakon maƙalewar da kuɗin sa dubu goma (₦10,000) sukayi a bankin kuma ba’a dawo mashi dasu akan lokaci ba.
Don haka, duk lokacin da ka samu irin wannan matsalar to ka riƙa lissafi kana ganin lokacin ya cika basu dawo maka da kudin ka ba, to ka nemi lauya kawai kuje kotu, don kuwa kune da Nasara Insha’Allah.
