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Stealing from my Momo wallet

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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.

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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.

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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.

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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

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This sanitation issue!

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Some things do not change in this country.  The rains shall fall in May, and June and even July.  That is out of our control.  It is an act of God and he decides how often and the intensity.  Who are we to question God? 

However, there is something man-made that is gradually becoming something that is also not changing and it is worrying.  A week ago the President initiated a national clean up campaign to address the issue of sanitation in the country, especially in Accra. 

Citizens enthusiastically got involved and engaged in cleaning their environment and other places but afterwards, the issue that is becoming a permanent feature resisting change, reared its ugly head again. 

The rubbish and the silt that were dug out of the drains, were heaped on the shoulders of the drains and left there.  Any little rain will render the whole effort futile because the rubbish and silt will be washed right back into the drains. 

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This is what is not changing in the country and the various assemblies must ensure that this issue is dealt with and must become a thing of the past.

There is the need to engage the citizenry across board, in connection with mindset change, as far as sanitation is concerned.  At this juncture, I must acknowledge the thoughtful initiative of the current crop of Abenfo (i.e. students both present and past) of SUTESCO of Suhum, with support of the school administration for decorating the area under the overpass on the Accra Kumasi highway, near the school, with fascinating paintings.  This is an example worthy of emulation and makes me proud as one of the Abenfo. 

An example not worthy of emulation is an eyesore currently existing behind a cemetery along the Atta Mills link as you branch left, off the main Accra-Cape Coast road at Old barrier and head towards the beach through Aplaku, Bortianor, Oshiyie, Korobite through to Tuba and beyond. 

The drain along the walls of the cemetery also lying astride the road, is choked with silt and rubbish.  This has created a problem near the end of the cemetery wall just before you enter Bortianor. 

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Water has accumulated at that point, creating potholes and also gradually creating a channel across the road, creating a nightmare for motorists using that route.  This route is the main link between parts of Kasoa and the Accra – Cape Coast road and whenever it rains and the Atala stretch of the road is blocked, that is the route most motorists from Kasoa uses.

It is also the route used by tourists going to the beaches along the sea of the towns stretching from Bortianor to Kokrobite and so it does not speak well of us, as a nation at all.

A few days ago, I had to pass through Tema Station, the place where a major clean up exercise was conducted just fews days ago and it was very shocking to see the level of wanton littering that had taken place. 

One begins to wonder if this whole exercise initiated by the President was worth it.  People just do not care and are not willing to change their attitude towards sanitation. 

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We cannot continue like this and to win this battle against insanitary conditions in our environment, the NCCE must be resourced to embark on a serious educational drive.  The MMDCEs must also be held accountable for sanitation lapses in their administrative areas, by making sanitation part of their KPIs among other innovative policies.  This is one of the surest ways to overcome this sanitation challenge confronting us. God bless.

By Laud Kissi-Mensah

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Disqualified — Part 1

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THE discussion lasted only ten minutes. Mr Philip Sampson, Eunice’s father, had asked to see him, and he was led to the sitting room for the first time. Mr Sampson indicated that he should sit down.

‘Yes, Kakraba. I know that you have been, er, friends with Eunice for some months now, and naturally, as her father, I thought it would be important to meet you, and to reach an understanding with you on, er, some basic issues. So, I hear you are a graduate in building technology. Now, tell me about what you do’.

‘Okay. I worked with the Electricity Company for two years after National Service. During that time I interacted with some lawyers and land surveyors on our project sites, so I suggested to some of them that we take some dilapidated buildings in some parts of Accra, rehabilitate them and find new owners. Soon after starting that I got a job as Project Manager with a group of development agencies who are executing projects in the Northern Region, so I have been balancing the two positions’.

‘I see. That sounds like a bold step. So is it going well, financially?’

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‘Well, sir, I absolutely enjoy what I’m doing now. Financially, I would only say that I am a work in progress. A lot of what I’m doing now involves some risk taking, as it involves trust issues with land and property owners.

I am partnering with prominent lawyers and land surveyors, so I am not taking any serious risks. So currently I am doing okay financially, but it will take me some time before I reach the level where I can say I am comfortable financially.’

‘Okay. Now tell me about your parents’.

‘My father was an Agricultural Extension Officer, so we spent some time at several locations with him. He is now enjoying his retirement. And my mother is a retired nurse. I have three elder sisters, all married’.

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‘So you live with your parents?’

‘Yes and no. My dad built his home on one acre at Pokuase, so he gave me one plot, and I have done a three-bedroom house, where I live’.

‘Okay, fine. Thanks for the answers. You see, in addition to my position socially, I spent many years in the diplomatic service, so I’m sure you will understand that I need to ensure that my kids, especially my daughters, maintain suitable relationships. For now I think it is fine that you and Eunice are friends. I’m sure you understand what I mean’.

‘Yes sir. I understand perfectly well.’

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‘Great, okay, that would be all.’

Kakraba stood up, bowed and said thank you to Mr Sampson, and walked to the garden where his girlfriend Eunice, her mother Mrs Elaine Sampson and her two elder sisters, Yvonne and Emma, were seated, busily discussing some dresses being offered for sale online.

‘So,’ Mrs Elaine asked him, ‘you and Daddy had a good discussion?’

‘Yes, Ma. We certainly did. I really appreciate Dad for the discussion. It was really good.’

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‘Great. Although he has met you here on quite a number of occasions, I think it is good that you have met for a chat.’

‘Yes indeed, Ma, and I really appreciate it. So Eunice, I will be on my way. I will call.’

Eunice led him to his car, and after driving off he exhaled and shook his head. Although he had long concluded that Eunice’s family were so snobbish that a future relationship with her would be problematic, this discussion, or was it interrogation, had virtually cancelled any likelihood.

Mr Sampson just told him, in no uncertain terms, that the Sampson family was so prominent and socially connected that a union between his daughter and him was undesirable.

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He had a good relationship with Eunice. They shared some beautiful moments together, and often went out to entertainment joints, often with her three friends Marian, Patricia and Amanda. But Kakraba was often uncomfortable with their preferences.

Eunice regularly spoke about her family’s experiences during her father’s postings in Europe and Asia, and her three friends were always discussing the latest fashion trends, always noting the importance of placing themselves among the best-dressed ladies in town.

Eunice, her mother and siblings had indicated in several ways that he did not quite fit into their social standing. They had only said a mild ‘thank you’ when he brought them a goat or sheep and a generous amount of foodstuffs from the north every month.

But Kakraba did not really take it to heart, because they were quite inexpensive up north. Moreover, he always went to the food market and arranged with the truck drivers for a big package which was picked up by his buddy Paa John and delivered to his family and a few others, including the Sampsons.

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By Ekow de Heer

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