As part of my constitutional prevention of corruption duty as a citizen of Ghana, I would like other citizens and public office holders to be aware of their responsibilities pertaining to banking matters by drawing on my personal experiences
My account had been credited on 19th July 2018 with a transferred payment. I immediately made a verbal objection to the Branch Manager where I had gone to make the withdrawal in view of my earlier standing instructions to my Branch Manager not to accept any payments or transfers into my account without first clearing with me personally owing to an earlier incident when a similar payment was transferred to the credit of my account without notice or authorization from me in 2015.
I had no standing agreement with any Government or private agency to pay any money into my account except my monthly SSNIT allowance.
I had also not given any further instructions to my Branch Manager to accept any transfers of any sums of money into my account without first notifying me of the transaction.
In my letter
I concluded by stating that: “I am accordingly notifying you of this fact and demanding that you take steps to find out what the whole transaction is about and why the transfer was made without my knowledge and accepted by you into my account without any notice to me.”
Upon receipt of my letter of 4th August
It turned out that without giving me a payment advice notice to alert me of the fulfillment of an order of the High Court in respect of the Judgment and Orders of the High Court in my favour dated 4th September 2014, one of the agencies affected by the court orders had unilaterally transferred that sum of money into my current account. In consequence of my letter and the Bank’s reaction thereto, officers of both the Bank and the transferring agency looked me up to clarify the matter and the agency provided me with the re-computation pursuant to the order of the Court to enable me to verify the details. The agreed amount will now, hopefully, be paid to me in due course.
As punishment for accepting the automated transfer into my current account without notifying me or without my consent, I instructed the paying agency to pay the agreed sum into my savings account at a different Bank. I took similar steps in countermanding the transfer of money into my current account when in the year 2015 as narrated elsewhere (in my contribution to the recent double salary scandals) the same Bank holding my current account accepted a transfer of money into my account without notice to me or my consent.
Many fellow citizens are not aware that the Banks holding their various accounts on their behalf are under a penal statutory obligation to report to the appropriate agency lodgments and withdrawals of money exceeding certain
I know as a matter of fact two former Ministers of State, one from the Upper West Region and the other from the Upper East Region, who took steps to correct the erroneous transfers of double salaries into their current accounts. This demonstrates that patriotic citizens will immediately take steps to correct erroneous transfers of public monies into their accounts instead of keeping them for years and later resorting to making excuses when they are fished out of their suspicious illegal activities.
I am sharing my most recent experience in this matter with the public as part of my constitutional prevention of corruption duty as a citizen of Ghana to let other citizens know that the responsibility is upon citizens to instruct their bankers to return suspicious payments of public funds into their accounts. This buys one time to investigate the transaction and to decide whether it is genuine for one to accept it. Running the account with the suspicious payments of public funds for months and years and turning around to make excuses gives the account holder zero credibility. When the political elite
It is the proactive duty of citizens to save the public purse from looting by keeping an eye on one’s own bank accounts. Public Officers, which include all public office holders, are bound by the Public Property Protection Act, 1977 (SMCD 140) and have a higher obligation to refund such public monies timeously to the public purse. Section 179A of Criminal and Other Offences Act, 1960 (Act 29) that deals with abuse of public office for private gain, which is a corruption-related
MARTIN A. B. K. AMIDU