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Samuel Fakayode
@iamfakimsa
Writer, music lover, foodie, coder and a football fan,. always speaking truth to power.
Joined August 2015
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Let's discuss how to recover an erroneous bank transfer.
That sudden wave of panic when you hit send and realize the money went to the wrong OPay, PalmPay, or Kuda account is an experience nobody wants to go through. It becomes infinitely worse when you manage to reach the recipient and they outright refuse to return your money. A common misconception in Nigeria is that you can simply call your bank or the fintech app, report the error, and have them yank the funds back into your account. The reality is quite different. Under Central Bank of Nigeria regulations, once the funds successfully drop into another person's account, the bank is legally powerless to reverse that transaction without the recipient giving explicit consent. If the person decides to play stubborn, the bank cannot just take it back, but that does not mean your money is gone forever. You just need to know the exact legal steps to force their hand.
Your absolute first move should never be a shouting match with the recipient. Speed is incredibly critical here. Instead of begging, you must immediately contact the customer support of the exact bank or app you used to send the money. You need to officially report an erroneous transfer and request a fund recall. Your bank will then send an official communication to the recipient's bank, whether that is Kuda, PalmPay, or OPay, instructing them to place a restriction on that account. In Nigerian banking terminology, this is known as a Post No Debit. A Post No Debit effectively freezes the specific amount or the entire account, meaning the stubborn recipient will suddenly find themselves unable to transfer, withdraw, or use any of their own money.
Once the account is restricted, the fintech platform will usually tell you that they need a legal mandate to forcefully take the money out and give it back to you. Since the person is actively refusing to return funds that do not belong to them, they have crossed the line from a simple mistake into criminal territory, often classified as unjust enrichment or theft by conversion. You will need to walk into a police station with your printed bank statements, the transaction receipt, and any chat history showing their refusal. The police will document the incident and provide you with an official police report.
The final piece of the puzzle is securing a court order. You will need to take your police report to a magistrate court and swear an affidavit to obtain an order compelling the fintech company to reverse your money. Once you serve this legally binding document to the legal department of OPay, PalmPay, or Kuda, they are fully covered by the law to bypass the recipient and credit your account. You have to weigh the cost of this process against the amount lost, as swearing an affidavit and securing the order will cost a small fee and take a bit of your time. If the amount is substantial, it is absolutely worth the effort.
People actually do recover their money following this exact route. In many scenarios, the court order is not even necessary. The moment the fintech app applies the Post No Debit, the recipient usually panics. Realizing their entire financial lifeline is frozen over funds that do not belong to them, they quickly abandon their stubbornness. They end up calling their bank to authorize the reversal just to get their account working again. It requires patience and a lot of follow up emails, but standing your ground and using the proper legal channels is the most effective way to recover your funds from an uncooperative stranger. Not calling out the person or sharing their contact on social media.
Kindly repost for others to see. You might be saving someone.
@Hybrid_Ola And, is that suppose to be an issue? Isn't she divorced?
@chinedu_su99003 @davido @davrel99 Hey, chatgpt. Hope you're good? What's the true definition of a dolt?
@dammiedammie35 @davido @davrel99 You bawo? Uncle Elon is taking good care of you now.
No dey do ojukokoro abeg.
@Light_of_the_W @davido @davrel99 @abazwhyllzz Shey you no think say you dey too greedy like this?
Even if he decided to hand you the 1k$, no be ogogoro you go take am drink?
In 2019, Damilola Savage was the most promising young lawyer in Lagos.
Sharp. Hungry. Beautiful mind.
She had one dream: to make partner at Okonkwo & Associates before 35.
What she didn’t know was that the firm had already decided her fate — before she walked through the door on her first day.
Okonkwo & Associates occupied the entire 14th floor of a glass tower on Adeola Odeku Street, Victoria Island.
Senior Partner — Chief Emeka Okonkwo, SAN.
62 years old. Silver-haired. Yale-educated. A man who had drafted legislation that shaped modern Nigeria.
And a man who did not lose.
Damilola had joined straight from Lagos Law School. First class. Best graduating student.
Chief Okonkwo had personally recruited her.
“You remind me of myself,” he told her at the hiring dinner at Nok by Alara.
She should have asked what he meant by that.
She didn’t.
For four years, she worked like the building would collapse if she left.
Nights. Weekends. Public holidays.
She billed more hours than any associate in the firm’s 30-year history.
Her name was on every major deal. Her fingerprints were on a ₦4.2 billion acquisition that made the front page of BusinessDay.
She was untouchable.
Or so she thought.
In March 2023, Chief Okonkwo called her into his corner office.
Floor-to-ceiling windows. A view of the Lagos Lagoon that made you feel like God.
“Damilola,” he said, leaning back in his leather chair.
“We’re making you partner.”
She felt her eyes burn. Held it together. Barely.
“Effective when?” she asked.
“June 1st,” he said.
She walked out of that office and cried in the bathroom for seven minutes.
The partnership agreement arrived on her desk two weeks later.
47 pages.
She was tired. She was happy. She trusted Chief Okonkwo.
She signed on page 47 without reading pages 1 through 46.
This is where the story truly begins.
The clause was on page 31.
Paragraph 14(c).
“In the event of dissolution, departure, or termination — voluntary or otherwise — the Partner hereby waives all rights to client relationships, matters originated, and revenue generated from accounts introduced to the firm during the period of association.”
In plain English?
Every client she had brought. Every deal she had built. Every relationship she had cultivated for four years.
Belonged to Okonkwo & Associates.
Not to her.
She didn’t know.
For eight months, everything was perfect.
Her name was on the letterhead.
Partner. Corporate & Commercial.
She had an office now — not a cubicle.
She had an assistant named Rotimi who brought her green tea without being asked.
She was, by every measure, winning.
Then in February 2024, she got a call.
Dangote Agro. One of her oldest clients — she’d been their outside counsel since they were a ₦200 million startup.
They were now worth ₦11 billion.
And they wanted her to lead a landmark merger.
The fee: ₦180 million.
She called Chief Okonkwo to discuss resource allocation.
He listened quietly.
Then he said: “I’ll be handling Dangote Agro personally from now on.”
Silence.
“I’m sorry?” she said.
Page 31, paragraph 14(c),” he said.
Not unkindly. Almost gently. The way a man says something he has rehearsed.
“All client relationships belong to the firm, Damilola. You agreed to that.”
She sat very still.
Outside her window, Lagos hummed and moved and did not care.
She called Dangote Agro directly that evening.
Their CFO — a woman named Amaka who Damilola had mentored — picked up.
“Amaka, they’re trying to take you off my portfolio—”
“Dami.” Amaka’s voice was careful. Apologetic. “Chief Okonkwo called our MD this morning. Apparently there are contractual issues.”
“There are no contractual issues. Those are my clients—”
“Dami.” A pause. “They showed us the agreement.”
She hung up.
Sat in her car in the parking garage for 45 minutes.
Then she called the only person she knew who could help.
@Hon_Danjo Thanks for sharing.
@Miss_Oluremi A lot of girls don't realize it untill it's too late.
🚨🗣 Kaka: “I did everything I could to save my marriage, but there's something I learned: you can't force someone to stay with you if they've already decided to leave.
“In 2015, my wife told me she didn't want to be married anymore. I clung to the idea of fighting, of showing her we could get back what we had. I read a book that proposed a 40-day challenge to win back your partner; I did it twice. Gifts, letters, unexpected surprises… but in the end, she just kept repeating, 'I don't want it anymore.'
“It was a brutal blow. As a Christian, divorce wasn't in my plans. The Bible says marriage is forever, but what do you do when the other person no longer wants to continue? I fought until the end, until I understood something key: love can't be forced. Love is a daily choice. And if someone stops choosing you, you have to learn to let go.”
Akon Rejects $1 Million Divorce Payout, Leaves His Ex-Begging for a Second Chance
Akon was supposed to walk away with half of his ex-wife’s $2M after their divorce… but he shocked EVERYONE by refusing a single dollar.
After 21 years together, she filed thinking she was leveling up… only to find Akon had just $10K, a few debts, and no assets. Since she was actually the richer one, the court ordered HER to give HIM $1M.
Akon said: “Keep it. The kids need stability.” Didn’t take a penny. Didn’t argue. Just walked away clean.
Now his ex is embarrassed, emotional, and literally begging for a second chance didn’t expect him to leave everything behind like that.
@miriamogb Buying a house comes with its own obligations if you're not financially stable.
For me, investment trumps everything.
That 100m, if invested right could earn me another 100m in a few years.
@dammiedammie35 Na this pray for us or continue praying dey always infuriate me.
I went to greet one Baba Adugbo, and he asked me for money. I opened my banking app to transfer him ₦5,000 (he didn’t know how much I intended to send), but his bank network was poor, so I told him I would send someone to give him the cash instead.
The next day, I sent my area aunt with the ₦5,000. Not long after, she called me to say he had returned the money because it was too small. I told her to keep the money and that I would send my account number so she could return it to me.
I forgot to send my account number that day, so first thing the following morning, she called again and said he had sent someone to collect the money. She wanted to know whether she should give it to him or if I still wanted my money back. I immediately sent her my account number and told her I wanted my money returned.
She then started preaching to me about how he was an elderly man and that sometimes you just have to respect elders and accept them for who they are. But I won’t tolerate that kind of rubbish, especially when it’s money I worked hard for, and from someone who hasn’t done anything for me in his life.
She later said he was shocked when she told him that she had returned the money and that I collected it back.
E no go shock ke? 🤣
@oku_yungx Very annoying.
The fact that we still have to convince people not to vote for Tinubu means we are in big trouble.
What? Wait!
Government institution is sponsoring wedding?
BREAKING: Kano state Government to begin medical screening for 3,000 Mass wedding couples sponsored by the government on Monday
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