UNSCRUPULOUS BANK CHARGES AND THE NIGERIAN FACTOR

Before now, people have explored different means of keeping their hard earned money safe. We've heard of people digging a hole in the ground, people hiding cash under their pillow and so on. There have also been legends of how some pirates keep treasures in isolated places and guard it with unfathomable spirits and curses that attack whomever dares to approach. All these means were explored by our fore fathers and they found peace of mind from it. Infact, that is the whole essence of it; peace of mind. However, with the advent of technology and civilization, the banking system was conceptualized and banks sprung up in different parts of the world. That would be the Genesis in brief.
In Nigeria, after the consolidation of the banking sector, there was a lot of competition amongst the banks and they were all out to impress the standing and prospective clients and they were launching packages to outwit one another (like the telecommunication companies are doing presently). They needed to increase their customer base to prove that they were doing fine and so they lured unsuspecting individuals with their enticing offers ranging from zero account balance, to free ATM cards and so on. All the while, the Nigerian factor was been manipulated.

Now you ask. What is the Nigerian factor?

Nigerians are probably the most intelligent people on earth and I'm proud to be born Nigerian. However I'll not fail to point out that we ahve always failed to utilize the potentials that we possess.For example, it is in Nigeria that we use our own intelligence to out-maneuver other Nigerians who are as intelligent if not more, than we us. Then the more intelligent Nigerian naturally identifies when they are been cheated but what do they do? They either idly sit on the issue and let it go or worse still, they talk about it amongst themselves without actually confronting the culprit. If you know what degree of intelligence it takes to uncover another intelligent man's moves, then you'ld probably know what I'm talking about.
The Nigerian factor goes further in a situation where a policeman pick up a citizen on the street and takes him to the police station. At the counter, they laid all sorts of allegations on him to declared him under arrest (and of course he was innocent). the Nigerian factor comes in where this citizen can see clearly right behind the man at the counter, an inscription that reads 'BAIL IS FREE' and he still manages to pay the police for his bail even though he was dubiously charged for a crime he did not commit. If you think you're wasting your time when you stand in the middle of the road and challenge a police man that infringes on your right, that's the Nigerian Factor at its best.
By now, you should know what I mean by the Nigerian Factor but if you still don't, then I give you one more instance. The Nigerian Factor is in play when you sign a piece of paper in a bank for account opening and you specifically stated that you don't want SMS notifications and yet they send it to you and charge you for it and you do nothing about it saying you don't like trouble. The Nigerian Factor is when you don't bother to write a long (if necessary) letter to the Branch Manager of your bank on issues that affect your account and state in the final paragraph that you intend to seek legal redress if necessary.
Finally, it is the Nigerian Factor, if we just raise this issue and don't get it to a logical conclusion.
To the banks, I say, the customers might not always be right, but the CUSTOMERS HAVE RIGHTS.