Plaintiff
Dr Clarence Kudzai Patsika
[ADDRESS REDACTED]

Defendant
CBZ Bank ZImbabwe
60 Kwame Nkrumah Avenue
Harare P.O. Box 3313

Letter of Demand and Notice of intention to sue CBZ Bank $200 millon us for Poor Service, Gross Negligence, Poor Conduct, Bad Customer Service, Denying my right to a redress, Wasting my time and Temporary theft of Funds, Misleading by giving false or deceptive information, False Advertising; failing to give important information in a clear manner

I write in my personal capacity and as a stakeholder of Zimbabwe

This is a formal notice of my intent to file a lawsuit against This is to notify you that i am beginning a process to sue CBZ Bank and i intend to make this Letter open should i not get a quick response. A Company, a business or cooperation is Guilty until proven innocent because they have an obligation to the people.

Preface
This is my first time using CBZ Bank and the service is extremely poor, The Whole of Zimbabwe will know my story because i have the platform. Its is Banks like this one that makes people loose confidence in Zimbabwe Banking System and People end up opening accounts offshore in other countries thereby depleting Zimbabwe’s Forex Source. The Blame for this Poor service eventually Comes upon the Office of the President then eventually Zanu PF.

Claim
On Friday 11 January 2018 at around between 1430hrs and 1430hrs Before opening an FCA account i Told the Bank What i wanted to use the Account for and My Source of Money, and i asked how long the Bank Takes to process a wire transfer from Google Ireland. I was told not more than 5 days, I open the Account and Gave some of my Google Payments Documents as proof of income.

On 18 January 2019 I received a wire Transfer of 3.178.26 Euros. It should have taken not more than 5 Days to be credited into my account but up until today, 28 January 2019, that is 10 Days later i haven’t received anything.

My other Funds from the same Source, (Google Ireland) sent 3 days latter than the CBZ one are already Deposited in FBC Bank and Ecobank. These Banks have proven to be by far more efficient than CBZ and ill never use CBA again and Zimbabwe will know of this

On 24 January i visited CBZ Treasury and was told to wait for 5 to 7 Days, i understood and left. On 25 January time 1342hrs i contacted the Bank through Helpline wanting to know why the money was not yet in my account, Below is my encounter with helpline. Please note i have the recordings of all calls which i made after notifying helpline

25 January , A Helpline Personell Tinotenda cut my Call then i called gain and spoke to Isabel who lied that Tinotenda had gone for lunch. Both the Cutting the Call and The Lying about lunch covering for each other are Crimes. I demand that Discplinary action be taken upon these two and they Should Compensate me for wasting my time and fooling. Isabel goes on to lie that Tinotenda is no longer there, Isabel then Puts me on Hold and Tinotenda gets Back on the line 1345hrs & says “Let me put you through to Mr Juma”. Who she says its the Person in charge of international Banking. Isabel goes on to lie “i did not go for Lunch” Lies that she was escalating the issue, yet she hung up.

Mr Juma at 1349hrs 51 seconds Says “Hanti transfer yenyu Ndeye MaEuro, Makange makapiwa here maBanking Details Edu ema Euro”
He goes on “Chicopy Chandaona Hachisi KuStater anything Along those lines” (The Copy im seeing is not saying anything on Euros
13:50hrs 14seconds Mr Juma “We cant pay mari (money) we havent recieved on our Account”
13:50hrs 40seconds “We cant track from here”
13:50hrs 43seconds “Imi munotoenda kuBank kwenyu kuNatwest” (You go to your Bank Natwest).
13:50hrs 51seconds “we do no track incoming Transfers”
1354hrs “We have not received the money”

On Above Statements Mr Juma was Lying terribly, He Tells me of the Source Bank Natwest which I never Told him and I don’t know what Natwest is. He Lies that CBZ cant track a wire Transfer. yet When i opened an Account i was given an account Number and a Swift Code COBZZWHAXXX.

And I don’t know which copy is he talking about in all this it shows Mr Juma Knows where the money is, if he has not stolen it himself and invested it or is waiting for Euro to USD rates to Drop.

He lies that The Bank has not received the money in that for the transfer to be completed the Receiving Bank has to Authorize the transaction because if i had used a non existing Bank Account the Transfer wouldn’t have completed.

I contacted Helpline with a Complain and Dispute and Dispute resolution Procedure was not followed, All i got was gross negligence lies and Misrepresentation.

For A wire Transfer that is delayed i should able to contact my Bank and Give them the Tracking Code, in this case GG101OA645 And they Should track it and Credit immediate because a Wire Transfer in not a Quench it does not require Clearance, as soon as CBZ receives the SWIFT Notice my account should be credited.

When I opened the Bank Account i Specified what i wanted to use it for and if CBZ couldn’t do it I should have been told. I intend to publicize this and let people know they cant trust CBZ to receive their funds in time, they should use Ecobank.

Demands

These demands have to be met whether a resolution has been made or the transaction has been reversed or funds credited, i have already gone through the loss. I demand a report on what happened to my money and why did it delay,

I demand Isabel and Tinotenda get Disciplined or Fired and i need Details on that I demand Mr Juma get Discplined or Fired.

I demand Immediate Crediting of My Account and the Bank should Bring the money to my House. The Bank can Convert The Money To USD or Cancel the transaction so i can use another more efficient bank with people who know what they are doing.

I demand Compensation for the work i did contacting Helpline and Transport Cost
I demand compensation for above mentioned Damages
10.12 if you had the confirmation i could Check
11.20 on receiving money we dont play any part
Damages
Opportunity Cost €3,178.26
Overtime $100us per day Delayed
Emotional Stress $700us per day Delayed
Humiliation $1000us per day Delayed
Lifestyle Deprivation €3,178.26
Helpline Mitigation Tinotenda, Lesey, Isabel, Mr Juma $300us each in their Personal Capacities
Below are Some of My Rights Breached in Brief,
Consumer Protection Bill 2014

PART III FUNDAMENTAL CONSUMER RIGHTS
8 Right to Safety
10 Right to choose
11 Right to be heard
12 Right to redress
17 Consumer’s right to choose or examine goods
(3) If the consumer has agreed to purchase goods and services solely on the basis of a description or sample, or both, provided by the supplier, the goods goods and services delivered to the consumer must in all material respects and characteristics correspond to that which an ordinary alert consumer would have been entitled to expect based on the description or on a reasonable examination of the sample, as the case may be.
(4) If a supply of goods or services is by sample, as well as by description, it is not sufficient that any of the goods correspond with the sample if the goods do not also correspond with the description.
19 Consumer’s right to be heard and obtain redress
(1) If a consumer has exercised, asserted or sought to uphold any right set out in this Act or in an agreement or transaction with a supplier, the supplier must not, in response—
(a) discriminate directly or indirectly against that consumer, compared to the supplier’s treatment of any other consumer who has not exercised, asserted or sought to uphold such a right;
(b) penalize the consumer;
(c) alter, or propose to alter, the terms or conditions of a transaction or agreement with the consumer, to the detriment of the consumer; or
(d) take any action to accelerate, enforce, suspend or terminate an agreement with the consumer.
(2) If an agreement or any provision of an agreement is, in terms of this Act, declared to be void, the supplier who is a party to that agreement must not, in response to that decision—
(a) directly or indirectly penalize another party to that agreement;
(b) alter the terms or conditions of any other transaction or agreement with another party to the impugned agreement, except to the extent necessary to correct a similarly unlawful provision; or
(c) take any action to accelerate, enforce, suspend or terminate another agreement with another party to the impugned agreement.

I demand a prompt response

Disgruntled
Dr Clarence Kudzai Patsika, Human Rights Defender, Student Lawyer, Citizen Journalist, Political Analyst, Computer Programmer, Architect, Musician, Producer, Mathematician, Engineer, Inventor, Anatomist, Geologist, Cartographer, Deejay, Veejay, Botanist, Philosopher, Philanthropist, Entrepreneur, Blogger, Comedian, Film Producer, Author and Writer.

DISCLAIMER The information in this message is confidential and is legally privileged. It is intended solely for the addressee. Access to this message by anyone else is unauthorized. Unless Authorized by Dr Clarence as of now until i decide to make it open or upon getting authorisation from Dr Clarence