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Stealing from my Momo wallet
I have always prided myself as a smart Alec. I have tried to be ahead of evildoers, scammers and other fraudsters. As a result, I have never used an ATM card for bank transactions. Not that I ever had so much to be afraid of losing. There is an Ewe proverb which translates to mean that even if you don’t have anything of value, you still have to lock your door.
I got my first MTN Sim Card in 2002 after having used a tiGO one when that company started as Mobitel. The number began with 0244 because that was what the NCA had granted the company at the time it began operations. I still have that number which I registered a money transfer regime with, after pressure from people who would want to transact money transfer business with me.
Then about six years ago, I visited a cousin who was a Medical Officer in Cape Coast to spend a couple of days. On the morning of the second day an SMS pop-up showed on the screen of my phone from a strange number purporting to have credited my MoMo account with over a thousand cedis. What intrigued me was that the balance as indicated from this “transfer” actually showed that if I subtracted the purported addition I would still be left with the amount already in the account.
Suddenly a call came through from someone claiming to have inadvertently credited my account with a thousand that was meant for someone else and that I should go through a certain process to revert the money to him. He claimed he was calling from Winneba. I told him that because it came from a certain number I was only going to resend his text to him so he could have his money. I did not understand the method he wanted to show me and I told him I was not conversant with what he wanted me to do. I told him I was going to Pedu to get it transferred back to him and he agreed.
I quickly drove to Pedu, told a vendor that cash was accidentally dropped into my account and that he should reverse the transaction for me. He took my word and started the process, then realised that the amount in my wallet was not up to a thousand so he could not continue. I did not understand until he scrutinised what was on my phone. “Money transfers don’t come as text message from numbers, Sir. They come with Mobile Money,” he quipped and said it was a scam. The bloke at Winneba called to check if I had done the transfer. Before I could say he was a fool, he hung up.
Before the end of that day I had eight calls from people claiming to be at Kasoa and had moved various sums into my MoMo wallet and asking me to check my account balance in case there was no notification on the screen of my phone. I wondered why my number was a target. How did they get my phone number in the first place? When I tried to find out, I was told these scammers dial numbers randomly, but it turned out that their main targets were numbers beginning with 0244 because that was the initial prefix from MTN so the users were likely to be the elderly who were not technology savvy to suspect they could be victims of a scam.
Their modus operandi has changed over the years. The moment a substantial amount of money hits my phone, a message would pop up asking me to enter my PIN code to complete a “Cash Out” transaction. The latest was just a couple of days ago and the destination was to GCB Bank. I called a friend at one of the branches of the bank just to ask a few questions. The bank was likely to be a victim as well.
I have spoken to the numerous friends who work at MTN. Their response was that under no circumstance should I ever enter my PIN code if I did not authorise any transaction because the fraudsters cannot do that on my behalf. But these scammers never let up. They would call and if they realised that you detected they were fraudsters, another person would call, claiming to be a staff of MTN, to inform you that the previous caller was a fraudster and that you must follow certain steps to protect your account being scammed. In my case, this particular scenario only plays out when I am driving. And it has happened more than 20 times in just a couple of months.
Only last week, I chanced upon a young man who is a mobile money vendor. I poured out my encounters with these scammers and wondered how they could detect a cash lodgement into my account because the latest one requested my PIN code for the transfer of an odd 1,472 cedis. How did the scammer ask for the transfer of that amount? The young man told me these fraudsters have accomplices in the Telcos, in my case, the MTN. The accomplices follow all transactions of clients and relay the information to the scammers and when people fall victim, the proceeds are shared among them.
According to this guy, the scammers are mostly semi-literate or school dropouts who do not have the technological capacity to run the system of the Telcos to follow people’s financial transactions, unless there is someone from the inside. I believed him because the English these scammers speak makes me wonder if the Telcos conduct proper interviews if these blokes were really their staff. Videos abound on social media on the activities of these fraudsters, yet their activities continue unabated.
I am on tiGO-Cash and V-Cash as well, but I have had not a single issue with scammers on their platforms. It’s only MTN. They might be the market leader so they easily attract the hoodlums, but do they have any system in place to monitor the conversations between their staff in the sensitive money area with their clients or partners in crime? If, indeed, there are moles in the Telcos there must be a way to flush them out.
The mobile money is great service for the ordinary folks like me and my relatives in the countryside and everything must be done to protect us from societal deviants and criminals.
If the activities of these criminals were not lucrative they would have folded up by now. Customers need to be protected because not all of us understand what these transactions on these devices entail. The regulators must find a way to ensure that clients of these mobile money regimes are protected. They should not only concern themselves with revenue they get from the operators. They should not allow stealing from our MoMo wallet.
Writer’s e-mail address:
akofa45@yahoo.com
By Dr. Akofa Segbefia
Attention-Deficit or Hyperactivity Disorder (ADHD) is often mistaken for laziness or indiscipline. In consulting rooms across Accra and in reports from school teachers, the pattern repeats: children who are bright but forgetful, parents who feel helpless, teachers who see incompleteness.
Research is clear-Barkley (2015) and others describe ADHD as a difference in the brain’s regulation of alertness, impulse and working memory, not a lack of effort.
The family’s role begins with structure. Regular sleep, predictable meal and homework times, and a simple visual list (uniform → books → water → corridor) provide the external scaffolding of these children need. Praise what is completed—“You opened the book and wrote the first sentence”-instead of rebuking what is missing.
Schools can help by seating the child front-row and centre, giving short written plus verbal instructions, allowing brief movement breaks, using quiet nonverbal cues and, where possible, grading effort and method as well as neatness. These adjustments reduce conflict and raise submission rates without lowering standards.
Couples and caregivers should share roles: one grounds, one pivots, and both protect rest. Shame-“bad parenting, bad child”-needs replacing with fact: different wiring, needs scaffolding.
Outcomes improve not by promises of perfection but by daily routines, clear limits and warmed connection. One homework slot kept, one instruction chunked, one calm repair after blurting-these small wins shift the family climate and let the child be seen beyond the label.
Resource
• CPAC (award-winning Mental Health and Counselling Facility): 0559850604 / 0551428486
Source: REV. COUNSELLOR PRINCE OFFEI’s insights on special needs support, relationships, and mental health in Ghana. He is a leading mental health professional, lecturer, ADR Expert/Arbitrator, renowned author, and marriage counsellor at COUNSELLOR PRINCE & ASSOCIATES CONSULT (CPAC COUNSELLOR TRAINING INSTITUTE) – 0551428486 /0559850604.
WEBSITES:
https://princeoffei22.wixsite.com/author
https://princeoffei22.wixsite.com/website
After two weeks of hectic activity up north, I drove to the Tamale airport, parked the car at the Civil Aviation car park as usual, paid the usual parking fee and boarded the plane for Accra.
Over the last two weeks, I had shuffled between three sites where work was close to completion.
One was a seed warehouse, where farmers would come and pick up good quality maize, sorghum and other planting material.
The other was a health facility for new mothers, where they were given basic training on good nutrition and small scale business.
And the third was a set of big boreholes for three farming communities.
The projects usually ran on schedule, but a good deal of time was spent building rapport with the local people, to ensure that they would be well patronised and maintained.
It was great to be working in a situation where one’s work was well appreciated. But it certainly involved a lot of work, and proactivity. And I made sure that I recorded updates online before going to bed in the evening.
When the plane took off, my mind shifted to issues in Accra, the big city. The young guys at my office had done some good work. They had secured five or six houses on a row in a good part of the city, and were close to securing the last.
When we got this property, unusually, Abena greeted them casually, and appeared to be comfortable in the guy’s company.
I was quite disappointed to hear that, because until the last few weeks, it seemed as if Abena and I were heading in a good direction. Apart from the affection I had for her, I liked her family. I decided to take it easy, and allow things to fall in whatever direction.
Normally I would take a taxi to her house from the airport, and pick her up to my place. This time I went to my sisters’ joint, where they sat by me while I enjoyed a drink and a good meal.
“So Little Brother,” Sister Beesiwa said, “what is it we are hearing about our wife-to-be?”
“When did you conclude that she was your wife-to-be? And what have you heard? I’ve only heard a couple of whispers. Ebo and Nana Kwame called to say that they have seen her in the company of—”
“Well said Little Brother,” Sister Baaba said. “By the way, Nana Kwame called an hour ago to ask if you had arrived because he could not reach you. Someone had told him that Jennifer had boasted to someone that she had connected Abena to a wealthy guy who would take care of her.”
I was beginning to understand. For some time, Abena had been asking me what work I was doing up north, and after I had explained it to her, she kept asking. So I think Jennifer fed her with false stories about me in order to get her to move to the Ampadu guy. Jennifer must have been well compensated for her efforts.
“In that case,” Sister Beesiwa said, “you should be glad that Abena is out of your way. She is easily swayed. Anyone who would make a relationship decision based on a friend’s instigation lacks good sense. I hope the guy is as wealthy as they say?”
“Who gets wealthy running a supermarket chain in Ghana?” Sister Baaba said. “Our supermarkets sell mostly imported products. Look at the foreign exchange rate. And remember that Ghanaians buy second-hand shoes and clothes. Supermarkets are not good business here. Perhaps they are showing off that they are wealthy, but in reality they are not doing so well.”
“Amen to that,” I said. “I’m beginning to understand. For some time, Abena had been asking me what work I was doing up north, and after I had explained it to her, she kept asking. So I think Jennifer fed her with false stories about me in order to get her to move to the Ampadu guy. Jennifer must have been well compensated for her efforts.”
She said that David Forson was only an agricultural extension worker in the north who did not have the resources to take care of a beautiful girl like her. And apart from being wealthy, the guy comes from an influential family, so Abena had done much better leaving a miserable civil servant like you for him.
“Amen to that,” I said. “I’m beginning to understand. For some time, Abena had been asking me what work I was doing up north, and after I had explained it to her, she kept asking. We would be able to sell all five houses to one big corporate customer, and we had already spoken to a property dealer who was trying to find a buyer in order to get a good commission.
That was going to be my biggest break. I had asked the boys to look for a large tract of land on the outskirts of the city where we could develop our own set of buildings, blocks of storey houses and upscale apartments. Things were going according to plan, and I was quietly excited. However, things were not going so well regarding my relationship with Abena.
My buddies Ebo and Nana Kwame had called to say that they met Abena and her friend Jennifer enjoying lunch with a guy, and Ebo believed that Jennifer was ‘promoting’ an affair between Jennifer and the guy. They were of the view that the promotion seemed to be going in the guy’s favour, because only an agricultural extension worker in the north who did not have the resources to take care of a beautiful girl like her.
And apart from being wealthy, the guy comes from an influential family, so Abena had done much better leaving a miserable civil servant like you for him.
“As I’ve already said, I will stop by her place, but I will mind my own business from now. Hey, let’s talk family. How are our parents? And my brothers-in-law? And my nephews and nieces? Why don’t we meet on Sunday? I’m going to drop my bags at my place, and go to see Mama and Dad.”
