In absolute desperation I am turning to my BI family for some serious help, we have people from all aspects of the government and private sector here, so I am hoping someone can advise, help or something. I know I joke around a lot but this is serious and I really am desperate and at the end of my rope otherwise I really would not be putting out this much information.

Warning, this will be long!

This is the situation:

A few months ago (end of April) I signed and sent in a new salary deduction to the MOE for my mortgage, it was stamped signed and returned to my bank. The first deduction would be from May's paycheck (the money was taken out)

At the end of June, I went into my branch on another matter and was asked how come they hadn't received their money. They did some investigating and found out that it had never been sent from treasury. The first week in July, they called me and asked me to try find out where it was.That's when the trouble started!

Working with the human resources officer at the Education office here we were able to find out that someone in Education had entered the wrong info into the computer and my deduction had been sent to a different account at a totally different bank (one I have never had any account or dealings with).

After several days and multitudes of phone calls to Education, the treasury and this other bank, we finally managed to track the payment down (this was July 9th) we tried to make arrangements for the funds to be sent to the Andros branch of this bank so that I could go and collect it and hand carry it to my bank. Nassau was in agreement, however the Andros branch manager wasn't. So on July 11 th we were told that the money would go back to treasury.

By now I am starting to get phone calls telling me I am in arrears (I have no problem with that) I explain the situation and everyone is understanding so I think everything will be OK. My bank is asking for something in writing from MOE to explain the situation. However, I cannot get anyone to admit to a mistake or to put it in writing.

As of today, Education is saying they have not received the funds back from treasury and I have just received a call from my bank telling me that I am now 34 days in arrears and am being charged over $50 a day fees plus interest and late fees on the payment due in June. The real problem is, that they will not have received the payment for July either because that too is somewhere between education, the other bank and treasury, so as of Tuesday the fees etc will double. I have 2 months mortgage payment somewhere in this country being held hostage and cannot find them or get them back and am being threatened with losing my house, plus all of these fees which I cannot pay all because of someones ineptitude and of course to add to it all I am stuck here on a family island.

I really need help people, any ideas? Please!

Why didn't the Andros branch speak to the other branch and have them wire the monies directly to them! The money is/was sitting up in a suspense account at the other bank/branch!

Only thing that can be done now is for the Treasury to send a cheque directly to your bank or for you to personally come and collect it!

Oh the woes of the govt and the RG (deduction) system!

The person who made the error should pay your late fees!

Why didn't the Andros branch speak to the other branch and have them wire the monies directly yo them! The money is/was sitting up in a suspense account at the other bank/branch!
Only thing that can be done now is for the Treasury to send a cheque directly to your bank or for you to personally come and collect it!
Oh the woes of the govt and the RG (deduction) system!
The person who made the error should pay your late fees!
Apparently the Andros branch manager refused to take the responsibility because they didn't know me personally!

Right now, all I want is for someone to return my money so that I can pay my mortgage.

But I agree that the person should pay the fees, but someone has to own up to making the mistake first!

Why didn't the Andros branch speak to the other branch and have them wire the monies directly yo them! The money is/was sitting up in a suspense account at the other bank/branch!
Only thing that can be done now is for the Treasury to send a cheque directly to your bank or for you to personally come and collect it!
Oh the woes of the govt and the RG (deduction) system!
The person who made the error should pay your late fees!Personally i don,t trust deductions. i can,t understand some of these banks they know that you money or is it a diffrent bank. i mean some people has the same name but if they confirm you that it is you they should have work it out.but they just want to make extra money of you.

This seems serious and it happened to me when I started to work for the Bahamas Government in 1997… my car loan that was sent the bank every month was not been received by the bank... I did not know until on early morning a tow truck showed up and took my truck…. Well all hell brooked loose at my job…

I was able to take all of my pay stubs to the bank and the bank did what they had to do...

Later it was revealed that my salary deductions were in correctly posted to the wrong account…

Well to make me happy, the bank had my vehicle a tune up at their expense… and that was it… maybe you should really talk to your bank... it could be an error…

AND just recently, another loan account that I have another bank was not showing deductions from my savings account and I went to see why… well, turns out my loan was been services from another person’s account…

So it could be a bank problem but your bank has to trace it down.

It is serious and you should work on it at all levels... Take nothing for granted.

Apparently the Andros branch manager refused to take the responsibility because they didn't know me personally!
Right now, all I want is for someone to return my money so that I can pay my mortgage.
But I agree that the person should pay the fees, but someone has to own up to making the mistake first!
Agreed....when I worked at a local Bahamian bank famous for giving the "small man" loans these kind of mix ups happened frequently - it is up to education or whatever dept and the bank to be on top of things. Once the bank processes and it is unrecognized, most of them just lump them in one account until someone comes a calling!

The manager should be reported...if the mtg is on your books he should be trying hardest to get the monies so that he doesn't have a delinquent account! These ppl so lazy and slack until it een fuuny!

In absolute desperation I am turning to my BI family for some serious help, we have people from all aspects of the government and private sector here, so I am hoping someone can advise, help or something. I know I joke around a lot but this is serious and I really am desperate and at the end of my rope otherwise I really would not be putting out this much information.

Warning, this will be long!

This is the situation:

A few months ago (end of April) I signed and sent in a new salary deduction to the MOE for my mortgage, it was stamped signed and returned to my bank. The first deduction would be from May's paycheck (the money was taken out)

At the end of June, I went into my branch on another matter and was asked how come they hadn't received their money. They did some investigating and found out that it had never been sent from treasury. The first week in July, they called me and asked me to try find out where it was.That's when the trouble started!

Working with the human resources officer at the Education office here we were able to find out that someone in Education had entered the wrong info into the computer and my deduction had been sent to a different account at a totally different bank (one I have never had any account or dealings with).

After several days and multitudes of phone calls to Education, the treasury and this other bank, we finally managed to track the payment down (this was July 9th) we tried to make arrangements for the funds to be sent to the Andros branch of this bank so that I could go and collect it and hand carry it to my bank. Nassau was in agreement, however the Andros branch manager wasn't. So on July 11 th we were told that the money would go back to treasury.

By now I am starting to get phone calls telling me I am in arrears (I have no problem with that) I explain the situation and everyone is understanding so I think everything will be OK. My bank is asking for something in writing from MOE to explain the situation. However, I cannot get anyone to admit to a mistake or to put it in writing.

As of today, Education is saying they have not received the funds back from treasury and I have just received a call from my bank telling me that I am now 34 days in arrears and am being charged over $50 a day fees plus interest and late fees on the payment due in June. The real problem is, that they will not have received the payment for July either because that too is somewhere between education, the other bank and treasury, so as of Tuesday the fees etc will double. I have 2 months mortgage payment somewhere in this country being held hostage and cannot find them or get them back and am being threatened with losing my house, plus all of these fees which I cannot pay all because of someones ineptitude and of course to add to it all I am stuck here on a family island.

I really need help people, any ideas? Please!
All of this sounds real scary Ann.
I really hopes it get resolve soon.

Personally i don,t trust deductions. i can,t understand some of these banks they know that you money or is it a diffrent bank. i mean some people has the same name but if they confirm you that it is you they should have work it out.but they just want to make extra money of you.
sangee it is two completely different banks! I have an account with one (I really don't want to call names out in the open) but some azzpole at MOE sent the money to a different account number at this other bank where I have never, ever had any dealings. (The name isn't even similar either)

sangee it is two completely different banks! I have an account with one (I really don't want to call names out in the open) but some azzpole at MOE sent the money to a different account number at this other bank where I have never, ever had any dealings. (The name isn't even similar either)
And then too perhaps these ppl in the paymaster office could be doing ish!

I would put everythng in writing...reporting everyone!

Agreed....when I worked at a local Bahamian bank famous for giving the "small man" loans these kind of mix ups happened frequently - it is up to education or whatever dept and the bank to be on top of things. Once the bank processes and it is unrecognized, most of them just lump them in one account until someone comes a calling!
The manager should be reported...if the mtg is on your books he should be trying hardest to get the monies so that he doesn't have a delinquent account! These ppl so lazy and slack until it een fuuny!
If it was two branches of my bank it would have been so easy to sort out but the problem comes with the fact that I bank with the Andros branch of Bank S and the money was sent to a Nassau branch of Bank R. The Nassau branch of bank R was more than happy to send the money to their Andros branch for me to collect but the Manager of Bank R in Andros wouldn't accept it because I had no account there and they didn't know me. (I have never banked with Bank R in my life)

AA if the person that made up your contract is the same person that put the info into the system they are difinitely accountable for the error.

If this is in the education department then speak with the director or the supervisor, show them your original contract and tell them that the info on your contract is totally different from the info sent to the bank.

If the director can't help you go above they head until the issue is resolve and someone is held accountable mainly the person that assisted you with writing up the agreement because thats the person that should be accountable.

If it was two branches of my bank it would have been so easy to sort out but the problem comes with the fact that I bank with the Andros branch of Bank S and the money was sent to a Nassau branch of Bank R. The Nassau branch of bank R was more than happy to send the money to their Andros branch for me to collect but the Manager of Bank R in Andros wouldn't accept it because I had no account there and they didn't know me. (I have never banked with Bank R in my life)
Das pure BS...banks on the family Islands so it all the time! You just show ID and collect the onies that were sent for u!

Someone's playing games with you big time!

In absolute desperation I am turning to my BI family for some serious help, we have people from all aspects of the government and private sector here, so I am hoping someone can advise, help or something. I know I joke around a lot but this is serious and I really am desperate and at the end of my rope otherwise I really would not be putting out this much information.
Warning, this will be long!
This is the situation:
A few months ago (end of April) I signed and sent in a new salary deduction to the MOE for my mortgage, it was stamped signed and returned to my bank. The first deduction would be from May's paycheck (the money was taken out)
At the end of June, I went into my branch on another matter and was asked how come they hadn't received their money. They did some investigating and found out that it had never been sent from treasury. The first week in July, they called me and asked me to try find out where it was.That's when the trouble started!
Working with the human resources officer at the Education office here we were able to find out that someone in Education had entered the wrong info into the computer and my deduction had been sent to a different account at a totally different bank (one I have never had any account or dealings with).
After several days and multitudes of phone calls to Education, the treasury and this other bank, we finally managed to track the payment down (this was July 9th) we tried to make arrangements for the funds to be sent to the Andros branch of this bank so that I could go and collect it and hand carry it to my bank. Nassau was in agreement, however the Andros branch manager wasn't. So on July 11 th we were told that the money would go back to treasury.
By now I am starting to get phone calls telling me I am in arrears (I have no problem with that) I explain the situation and everyone is understanding so I think everything will be OK. My bank is asking for something in writing from MOE to explain the situation. However, I cannot get anyone to admit to a mistake or to put it in writing.
As of today, Education is saying they have not received the funds back from treasury and I have just received a call from my bank telling me that I am now 34 days in arrears and am being charged over $50 a day fees plus interest and late fees on the payment due in June. The real problem is, that they will not have received the payment for July either because that too is somewhere between education, the other bank and treasury, so as of Tuesday the fees etc will double. I have 2 months mortgage payment somewhere in this country being held hostage and cannot find them or get them back and am being threatened with losing my house, plus all of these fees which I cannot pay all because of someones ineptitude and of course to add to it all I am stuck here on a family island.
I really need help people, any ideas? Please!


First thing i would do is try and borrow three month mortgage form family or friends or your church, thats if you don't have it your self, to bring your mortgage account current. Second, i would stop your employer from deducting any more funds from your account.Start paying your mortgage and other bills by cash or debit cards. Third seek legal advice on your current delima.(SUE THE SUCKING PIGS). My opoinin on all public employees are they don't give a sheit about the public.
I do hope you get sorted out asap.

It probably would have been easier to work with the banks. If the money is still at the bank (due to delay in sending it back) you may try a few things:

- Get the manager at Bank R in Nassau to speak to the manager in Andros about the situation, branch manager to branch manager. If the one in Andros still acts the fool, ask the Nassau branch manager to call whoever is higher up to authorize it.

- Ask Nassau branch to mail a cheque to you.

- Ask Nassau branch to open an account in your name (hopefully you can send documents back and forth by fax), deposit the money into that account, and you can withdraw it at the Andros branch.

- If the Andros branch insists on getting a letter, ask the Nassau branch to prepare a letter saying that they received $xxxx in error, and would appreciate the cooperation of the Andros branch in correcting it.


If the money DID go back to the treasury, do you have to wait for them to send it to the MOE? If not, you should ask them to mail you a cheque. It may be faster than all of the transferring. If it turns out that the money went back to the MOE, get them to wire it to the correct bank. In the mean time, you should try getting someone at the MOE to write a letter stating that there was an error somewhere in the deduction and transfer process by no fault of yours and everyone is working to rectify the situation. They don't necessarily have to take the blame. You just need them to qualify your statement to the bank that something has gone wrong and things are not under your control at this time. The MOE may be more willing to provide a letter that does not cast the blame on them, but clears your name at the same time.

While you wait for all of this to clear up, you should definitely pay whatever you can to the bank. It's good to show that you are doing your best and making an attempt to pay debts. Make sure that you stop the pay deductions immediately to make it easier for you to pay, bit by bit.

Firstly, you will need to determine the root cause of the problem. Look at your actual salary slip and verify the bank code for the salary deduction. If it was incorrectly submitted by the MOE to the Public Treasury, then MOE erred. Now if the information appears correctly but wound up at the incorrect bank, then the Public Treasury is at fault.

Secondly, meet with your account manager and show your original salary slip to confirm the deductions, this would assist him in obtaining authorization to write off the late fees especially since you were not at fault. If the bank insists on the late fee payment then submit a letter to the party at fault requesting that they pay the outstanding charges due to their negligence. If you are faced with paying up front then write a letter seeking reimbursement and provide documentary proof of payment.

Bankers communicate with each other and can rely on the other bank for its due diligence. Hence, your banker can trace the funds, which are probably resting in a suspense account at the other bank. He can explain the situaion and then follow up the discussion in writing. At the click of a button the funds can be transferred by wire from one bank to the next.

Time is money, so you need to seek a speedy resolution.

Hope I was able to help...all the best!