CRDB Bank: What a terrible experience!

[Watu]

Huyo huyo kama kaburu fulani hivi, aisee alitusumbua njoo kesho kesho kutwa mwisho tena tukaona hatuwezi kushindana tukaachia ila INAUMA SANA!

Rudi ana mind bahasha za khaki sana yule, uone atakavyo kukaribisha cku ya pili?

 

[Suzie]

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

Tatizo lenu nyie mnaishi Tz kama watanzania, tena muwaambie madogo zenu wanaopata mikopo wanaweza wekeza na pia kuna projects nyingi tu za kupiga kipindi cha likizo. Mfano mimi mpaka nagraduate nilikuwa na account yenye 3m na kausafiri kangu. Amini sikuhongwa wala kupewa bure ila gari nilinunua kwenye kampuni iliyokuwa inamaliza project yake na kuuza samani zake

 

[Maundumula]

Huyo branch Manager anayewaambia wateja pesa zimeingia kwenye Suspense account ni mwehu kabisa!

Pesa kuingia kwenye suspense account sio dhambi, na wala sio makosa ya mteja. Inawezekana account ya mteja ilikuwa dormant au sababu nyingine zozote. Ila ninavyofahamu mimi mahala ambapo kuna control nzuri kunakuwa na mtu anayefanya kazi ya kupitia suspense account kuona kama kuna entries mpya na kuzifanyia uchunguzi halafu unapeleka huko zinapotakiwa zikae. Ni mwiko entries kukaa suspense muda mrefu na kama wana Internal auditors wazuri au watu wao wa Risk wapo makini wanatakiwa wawe wanaangalia hili kwa sababu kuna hatari ya hizo pesa kupelekwa kusikotakiwa kwa makusudi au kwa bahati mbaya.

 

[Watu]

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!

Kwa bongo that system never works!!! Labda uweke cc mbunge wako kama ni wa CDM!!!

 

[Suzie]

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.

Issue yako ni kama yangu tatizo la ya kwangu walishindwa nionyesha picha wakasema zimefutika. Na ilikuwa VISA ambayo huyo mtu alichukulia kwenye bank nyingine tofauti kama baclayz, std chartered na hapo hapo Lumumba. Sasa mimi naishi mwenyewe na kadi yangu ninayo na ni ndani ya siku kumi maana ile ya kumi na moja ndo nilienda ATM kutoa wakanambia siruhusiwi kutoa zaidi ya 1M nafikiri kilichotokea utakuwa na jibu........

 

[Maundumula]

Pesa nyingi zinazotolewa kwenye ATM ni ndugu labda dada yako amekuibia, mke wako, kaka yako, bf wako, gf wako, rafiki yako nk Tunza kadi yako na Password utaishia tu kusumbua benki wakati mkosefu wewe mwenyewe. Uliona wapi Password inaandikwa kwenye kikaratasi unaweka na kadi humo humo kwenye wallet? Halafu unapoteza Wallet leo una report benki baada ya siku 5!

 

[Bosco Ntaganda]

Hivi ajira ya kimei ni ya kudumu, ama ni mkataba? Nauliza tu

 

[mgt software]

Ukitaka mkopo CRDB weka MKE watakupa fasta lakini mali isiyohamishika ni noma utazungushwa mpaka kiatu kiangalie nyuma, hawa jamaa ni hatari wa maendeleo, wamefunga Tai na Mafisadi tu, wakina Richie EPa na Vocha Pembejeo

 

[Mawazo1109]

What matters is not the value of collateral but the ability of the business to generate adequate cash flows for repayment of finances. Sub-prime crisis which heavily affected USA financial markets was a result of financial institutions relying on value of mortgages without looking at cash flows.

The value of 320 million is just inflated number which can not be realized by way of sale.

Go and read again about the financial crisis in the US... And you should not have dismissed the guy because you don't even understand the projected cash flow pattern from the project he is talking about.

 

[Janjaweed]

I am a CRDB bank customer and a businessman. I secured a contract worth sh 280m and approached CRDB for some financing and tbey asked for a collateral. I provided my house worth 320m as collateral. They approved the overdraft nine months later when the project had ellapsed and I had suffered a lot and sold some properties to get the financing I had needed. That was last year. This year I got a contract worth 400m and applied for an in increase on the meager overdraft of 50m they had earlier approved, but it took them 4 months to reject it! Just imagine: I have a project worth 400m on hand and a property worth 320m whose tittle deed they are holding and they cant approve a small working capital so that I can finish my project, pay them and move on! And I laughed a lot when I heard Kimei saying they got financing from AfDB and they will use it to finance people even without collateral! Gimme a break, Kimei!

Kaka mbona unajitaftia shida... Crdb ina wenyewe na biashara zai, kimei is busy shagging his employees

 

[Maundumula]

Kimei ajira yake mkataba lakini renewable katika specified period.

 

[Janjaweed]

What matters is not the value of collateral but the ability of the business to generate adequate cash flows for repayment of finances. Sub-prime crisis which heavily affected USA financial markets was a result of financial institutions relying on value of mortgages without looking at cash flows.

The value of 320 million is just inflated number which can not be realized by way of sale.

Hujaaddress issue ya inkoskaaz ila umeleta utumbo wa excuse

the focus is in performance.. Hayo ya value hatasababishi 9 months delays

 

[Uswe]

nimefanya kazi benki kwa miaka mitano, believe you me, watu wa benki wana akili za kizee sana, wana urasimu usio wa lazima, infact urasimu wa kipuuzi kabisa, we fikiria telecoms zimeanza kama miaka 10 hadi 15 hivi wakati mabenki yamekuwepo kwa miaka zaidi ya 40 lakini telecoms ziko na wateja zaidi ya milioni 19 wakati wateja wa mabenki kwa ujumla wao hawafiki milioni, hii inakuonyesha akili za hawa jamaa wa mabenki zikoje, afu ukiwakuta kwenye credit committee zao utadhani wanafanya maamuzi ya maana. . . hovyo kabisa watu wa mabenki

 

[Kunta Kinte]

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

Mimi mpaka sasa hivi sijaelewa Bujibuji ana maana gani kuiweka hii hapa! au inaweza kuwa na uhusiano na huyo jamaa anamchungulia Anko Masaburu?!

 

[Mafuluto]

Mkuu hawa wasanii aka mafisadi ktk sekta ya ulimbwende vp ? Lundenga miaka yote hiyo, waachie wengine. Huyu Ben nae nilishanga kashajiingiza huko ! Duh huyo shoto ambaye anaonekana utafikiri kapigwa brashi na shoe shinners ni nani ?

 

[Mrdash1]

hata mimi lazma nifoke, na kwa nini umemuachia mungu, unamuona Mungu mwizi pia, nyie watumanaweka mahela yote hayo benki mnanenepeana, sisi tunapata shida...nimemaliza degree, hela ya mastaz sina eti imeibiwa hata mimi jikiiona naikwapua n nyoooo! Na kususpend maana yake nini? mimi si kususpend tu, naibomoa, nadig naificha..matajiri hamtutetei tunateseka, kazi ona juzi walitangaza sioni yenye haueni, labda afisa kata..yaani mnataka mtukabidhi kwa walewale sisiemu watumalize kum>^%##nina zenu! IBA! IBA..MBUNGE GONGA RUSHWA tukutane kwa mungu. nyie mnadhani wale wanofanya kazi benki matajiri kama nyie mnaoweka hela zetu

taratibu bwana mdogo, punguza misokoto

 

[Ndachuwa]

Hujaaddress issue ya inkoskaaz ila umeleta utumbo wa excuse

the focus is in performance.. Hayo ya value hatasababishi 9 months delays

You should differentiate CRDB and defunct MERIDIAN BIO Bank. CRDB has a duty to depositors, they can only lend to applicants who have viable business which is capable of repaying the principal and interest amount from her profits.

 

[Ndachuwa]

Go and read again about the financial crisis in the US... And you should not have dismissed the guy because you don't even understand the projected cash flow pattern from the project he is talking about.

If you know it better why dont you share with us? My position is that value of collateral does not reflect the ability of the business to pay principal and interest.

 

[UPOPO]

Acha ubaguzi wewe,wachaga wanaweza

 

[PauliMasao]

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.

Peleka mahakamani hao kama ni kweli, msimwachie Mungu.....ana msururu mreeeeefu!