Bawumia Does Not Know Uniform Transaction Code

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Akadu Mensema 12 years ago

Your arguments are vague! The fact that someone is a banker does not mean that they specialize in commercial and financial law!

Your arguments are vague! The fact that someone is a banker does not mean that they specialize in commercial and financial law!
Yes we can 12 years ago

I don't think you are called by this name,you steal everything including names oh NDC be a little bit matured what are you afraid of?Koku Anyidoho is Margaret Jackson and another one Nana Akua Tweneboah-Kodua what is really w ...
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I don't think you are called by this name,you steal everything including names oh NDC be a little bit matured what are you afraid of?Koku Anyidoho is Margaret Jackson and another one Nana Akua Tweneboah-Kodua what is really wrong with you?you are afraid of your own shadow.
CARDINAL 12 years ago

"The code also seeks to avoid confusion on the figures and words written on cheques. Sometimes the figure of the amount written on a cheque may not match the words. For instance somebody may issue a cheque and may write 100 G ...
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"The code also seeks to avoid confusion on the figures and words written on cheques. Sometimes the figure of the amount written on a cheque may not match the words. For instance somebody may issue a cheque and may write 100 GHC in figures but in words may state just 10 GHC.

When such a thing occurs the Uniform Commercial Code enjoins that the words on the cheque must supersede the figures. This is something basic that every teller will tell you. But according to the Banking Gospel of Bawumia, when such a situations occurs, the cheque has to be nullified. Dr Bawumia stated emphatically that the cheque must be thrown away."
Is that the Ghanaian law? No wonder those people working at the Banks can easily steal. I don't know of aqny Bank in USA that will entartain such check. If you go personally to a Bank in USA to cash such a check with 100 dollars in Figures but ten dollars in words, the teller will tell you to fill another form correctly with words matching figures.

If your check come to the Bank through any medium of mail, such a check will be rejected, Dr Bawumiah was right.

Check is regarded as legal instrument and figures and words have to conform for it to become legal tender.

KOKU ANYIDOHO, aka, Margaret Jackson aka Nana AkuaKoduah.
princewilly@ymail.com 12 years ago

For instance if i am a Tilapia thief and i write cheque of 100 GHC in figures but in words may state just 10 GHC do my check have to be nullified?
Remember i am a pen thief from Akad's Gomoa University.

For instance if i am a Tilapia thief and i write cheque of 100 GHC in figures but in words may state just 10 GHC do my check have to be nullified?
Remember i am a pen thief from Akad's Gomoa University.
CARDINAL 12 years ago

PrinceWilly, as a pen thief and per this stupidy strict adherence of book theory, if I am working at the bank in Ghana, the law allows me to give you just GHC 10. A glib Bank employee can add Thousand in words infront of the ...
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PrinceWilly, as a pen thief and per this stupidy strict adherence of book theory, if I am working at the bank in Ghana, the law allows me to give you just GHC 10. A glib Bank employee can add Thousand in words infront of the Ten you have already written to make it look like ten thousand and if you have such an amount or more in your account, he or she can raid your account and withdraw the balance of 9,990.

Ghanaians just follow theory too much without using common sense.

PrinceWilly, try that in Las Vegas and see if any Bank will honour such a check. It will be rejected or you will be asked to make corrections.
princewilly@ymail.com 12 years ago

MY GIRL FRIEND SAID YOU TOLD HER THAT HER ASS IS BIG AS A GRILL.
SHE IS AFRAID TO TAKE COINS FROM YOU BECAUSE YOUR KALABASI{SAUSAGE] IS TOO BIG FOR HER GRILL.SHE WILL PREFER TO HAVE CHECKS FROM YOU SO THAT SHE CAN BUY TILAPI ...
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MY GIRL FRIEND SAID YOU TOLD HER THAT HER ASS IS BIG AS A GRILL.
SHE IS AFRAID TO TAKE COINS FROM YOU BECAUSE YOUR KALABASI{SAUSAGE] IS TOO BIG FOR HER GRILL.SHE WILL PREFER TO HAVE CHECKS FROM YOU SO THAT SHE CAN BUY TILAPIA.AMA SERWAAH WANTS 69 NOT 419.
KWASI OWUSU 12 years ago

Cardinal, can you please stop ridiculing yourself with this obtuse statement that when there is a conflict between words and figures on a check, the latter survives?

Dr. Bawumia is a total disgrace to his profession.

T ...
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Cardinal, can you please stop ridiculing yourself with this obtuse statement that when there is a conflict between words and figures on a check, the latter survives?

Dr. Bawumia is a total disgrace to his profession.

Think before you write.
Anonymous Coward 12 years ago

So discrepancies on a cheque issued can now be likened to so-called 'administrative errors' on EC pink sheets. No wonder after 50 + years of independence the country is still in the wilderness. Buului

So discrepancies on a cheque issued can now be likened to so-called 'administrative errors' on EC pink sheets. No wonder after 50 + years of independence the country is still in the wilderness. Buului
KWASI OWUSU 12 years ago

Anonymous Coward, Need I say more? Your name defines you.

Tsatsu's question was specific to the issue and Bawumia butchered it to the shock of all. The dishonesty being displayed by Bawumia is shocking. He is not only a di ...
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Anonymous Coward, Need I say more? Your name defines you.

Tsatsu's question was specific to the issue and Bawumia butchered it to the shock of all. The dishonesty being displayed by Bawumia is shocking. He is not only a disgrace to his profession but his family.

Why should you lie on such well-established principle just because he thinks he is so "smart" and wants to be VEEP by all means possible damn the consequences to his name and profession.

You are also a disgrace to your family for supporting such dishonesty.

Buuluuuuuuuuuuuuuuuuuuuu
Anonymous Coward 12 years ago

The least said about this 'thing' called kwasi owusu the better. You're fucking far less like a man than an ape. Onye aye egunaa onu.

The least said about this 'thing' called kwasi owusu the better. You're fucking far less like a man than an ape. Onye aye egunaa onu.

KWASI OWUSU 12 years ago

Anonymous Coward, Coward is your surname. That explains why you are hiding behind your computer to sell your ignorance to the world. Did I say you are selling your stupidity to the world? Oh yes!

Only a coward and wailing ...
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Anonymous Coward, Coward is your surname. That explains why you are hiding behind your computer to sell your ignorance to the world. Did I say you are selling your stupidity to the world? Oh yes!

Only a coward and wailing fool like you will stick his ignorant self out to defend the indefensible. How stupid and kwasea can you be. You are a wailing disgrace to your good mother on this memorable day when all intelligent human beings are celebrating them - mothers. But not you!

Next time you open your mouth, think about your good mother who carried your ignorant self for NINE MONTHS. Do you think she carried you just to come to this world to be a disgrace to her and all the good things she stood or stands for?

Kwaseato.
Anonymous Coward 12 years ago

It's very unfortunate there's no vaccine to prevent stupidity. Anyway, I will not be surprise to hear you've committed suicide as it is clear you are demonstrating all the signs and symptoms. I will also not be surprise if yo ...
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It's very unfortunate there's no vaccine to prevent stupidity. Anyway, I will not be surprise to hear you've committed suicide as it is clear you are demonstrating all the signs and symptoms. I will also not be surprise if you have chromosome 21 aberrations. The last time I checked, you were still classified as half human. Aboa be ba.
Anonymous Coward 12 years ago

surprised

surprised
KWASI OWUSU 12 years ago

You see how stupid you are? Who is telling you you can't make little, little mistakes in life? In life we all make mistakes but the honesty and candor display thereafter should be the yardstick to judging you. What an idot an ...
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You see how stupid you are? Who is telling you you can't make little, little mistakes in life? In life we all make mistakes but the honesty and candor display thereafter should be the yardstick to judging you. What an idot and a fool and an odwan funu and a buuluuuuuuuuuuuuuuuuuuu

You are toooooooooo stupid for your own good.

Woy3 Momone paaaaaaaaaaaaa
Anonymous Coward 12 years ago

Onye sormi onu. Anamu tom)bo.

Onye sormi onu. Anamu tom)bo.
KWASI OWUSU 12 years ago

Gyimi tabaaaaaaaaaaaaaaa

Next time think hard before you insult anybody.

Odwan funu@

Gyimi tabaaaaaaaaaaaaaaa

Next time think hard before you insult anybody.

Odwan funu@
KWASI OWUSU 12 years ago

Odwan funu m333333333333333!

Did you learn any lesson from the tutorial I just gave you? If you don't even understand such basic banking principles as being discussed here, who told you you could come here and display igno ...
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Odwan funu m333333333333333!

Did you learn any lesson from the tutorial I just gave you? If you don't even understand such basic banking principles as being discussed here, who told you you could come here and display ignorance and stupidity here? Twat like you!

I pity the woman who carried you for nine months. And come to think of it, today is such a memorable day for her.

Next time you open your stupid mouth think twice. Ooops! did I say you are capable of exercising your brains? Ma bad.

What an idiot. You are idiot times Bawumia pink sheets and duplicates pink sheets and triplicate pink sheets and quadruplicate pink sheets.

Odwan funu like you.

Buuluuuuuuuuuuuuuuuuuuuuuuuuuuu
JOHNSON ADDO 12 years ago

KWASI OWUSU WHY HAVE YOU WASTED YOUR TIME TO RESPOND TO THIS MAN WHO CALLS HIMSELF ANONYMOUS COWARD. THERE ARE SO,E PEOPLE YOU SHOULD NOT ENGAGE IN ANY SERIOUS DEBATE. THIS COWARD NEVER COMPLETED SCHOOL

KWASI OWUSU WHY HAVE YOU WASTED YOUR TIME TO RESPOND TO THIS MAN WHO CALLS HIMSELF ANONYMOUS COWARD. THERE ARE SO,E PEOPLE YOU SHOULD NOT ENGAGE IN ANY SERIOUS DEBATE. THIS COWARD NEVER COMPLETED SCHOOL
KWASI OWUSU 12 years ago

Johnson, thank you. I just wanted to send him a clear message. He is going to think before insulting anybody ever again.

I am sorry.

Johnson, thank you. I just wanted to send him a clear message. He is going to think before insulting anybody ever again.

I am sorry.
CARDINAL 12 years ago

Kwasi Owusu or whatever you call yourself, I said if that is the law in Ghana, then it is a bad law and it allows the Bank employees to steal clients money. Such a check with two different figures in words and figure will not ...
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Kwasi Owusu or whatever you call yourself, I said if that is the law in Ghana, then it is a bad law and it allows the Bank employees to steal clients money. Such a check with two different figures in words and figure will not be entertained anywhere in a reputable Bank because it leaves many avenues for Bank Employees to steal.

Let's say you want just ten cedia from your Bank account and you write Ten in words but on the figure you write 1000 though you intended to write 10.10.

Now according to your uniform code nonsense, since words supercede figures, the teller gives you ten Ghana cedis and accepts the cheque as it is. Do you know what the teller or anybody handling that cheque can do to your account? Lets say you have 15,000 Ghana cedis in your account. A thief Bank Employer can add another ZERO to make the figure look like 10,000 and write thousand infront of the TEN you have already written on your cheque and go ahead and take 9990 cedis to make up for the figure 10,000.

If that is the law in Ghana, it is really a stupid law enacted to allow Bank employees to cheat their illiterate Ghanaian clents and you wonder why many Ghanaians don't trust the Bank and keep their money under the bed?

What a dumb fellow.

CARDINAL 12 years ago

Sorry, I meant 10.00 not 10.10

Sorry, I meant 10.00 not 10.10
KWASI OWUSU 12 years ago

Do you write before you think, Cardinal? Take your time in dealing with this public issues else you come off as an unintelligent human being.

We have forgiven you this time

Do you write before you think, Cardinal? Take your time in dealing with this public issues else you come off as an unintelligent human being.

We have forgiven you this time
KWASI OWUSU 12 years ago

Cardinal, I am not going to call you "dumb" because I know you are "buulu". The reason is simple: The law says what I told you earlier on. There is nothing you can do. For your information, any teller who contravenes that sta ...
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Cardinal, I am not going to call you "dumb" because I know you are "buulu". The reason is simple: The law says what I told you earlier on. There is nothing you can do. For your information, any teller who contravenes that stated principle does so to his own peril. He or she would be found out and punished.

So Mr. Buuluuuuuuuuuuu, what is your stupid point?

Dumb and idiot.
CARDINAL 12 years ago

Idiot, it is not a law but a code. Do you illiterate fool understand the difference between a code and a law? Fools like you become more Catholic than the Pope.

It is only in Ghana where you dumb illiterates adhere to theo ...
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Idiot, it is not a law but a code. Do you illiterate fool understand the difference between a code and a law? Fools like you become more Catholic than the Pope.

It is only in Ghana where you dumb illiterates adhere to theories instead of practicals that a cheque with two different figures on the face of it will be honoured. No Bank in Europe or USA where I live will accept such a cheque, PERIOD. You will be made to make amendments or fill another cheque with words and figures conforming.

It is codes not a law, GYIMI GYIMII. I bet you don't even know the difference.
KWASI OWUSU 12 years ago

What is the difference between a "code" and a "law"? There is practically no difference. The difference lies in the names. They are both enforceable in Ghana. Instead of calling it law, the legislature called it "code".

Du ...
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What is the difference between a "code" and a "law"? There is practically no difference. The difference lies in the names. They are both enforceable in Ghana. Instead of calling it law, the legislature called it "code".

Dummy!

Please not that we are not talking about two different figures as you want us to believe. We are talking about a conflict between words and figures as they appear on a cheque.

Go back and rewrite you response so that they may become good for public consumption.

Dummy
CARDINAL 12 years ago

"What is the difference between a "code" and a "law"? There is practically no difference. The difference lies in the names. They are both enforceable in Ghana"

The essential difference between Code and Law, is that Co ...
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"What is the difference between a "code" and a "law"? There is practically no difference. The difference lies in the names. They are both enforceable in Ghana"

The essential difference between Code and Law, is that Code is one type of Law. Further, the law is always valid and enforceable, whereas Code might not always be.

YOU ILLITERATE MORON, that is the difference. When an administrative rule or code comes in conflict with anestablished law or what is in a constitution, the law prevails. Another difference is that, the Accra Metropolitan Assembly can pass codes that is enforceable only in the city of Accra and nowhere else. Example, the city of Accra can pass a code that Nobody should leave a trash infront of their houses, that is lawful in Accra and people who fraught this code can be prosecuted at city courts but that code(law) cannot be enforceable in any other city in Ghana.In essence, code rules can be enacted to bind people in certain areas whereas when we say this is the law of Ghana, it binds everybody in Ghana.

"Please [not] that we are not talking about two different figures as you want us to believe."

I guess you stupid dunderhead wants to write NOTE not NOT.Fool, we are really talking about two different figures

1. TEN =10

2.HUNDRED=100

So if you write Ten in words and write hundred in figures, we are talking about two different figures.OFUI KWASI OWUSU, why write an article under Nana Akua Tweneboah-Koduah name, FAGGOT

DUMB DULLARD.
CARDINAL 12 years ago

"Cardinal, can you please stop ridiculing yourself with this obtuse statement that when there is a conflict between words and figures on a check, the latter survives?"

KWASI OWUSU, stop lying, I never said that in my comme ...
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"Cardinal, can you please stop ridiculing yourself with this obtuse statement that when there is a conflict between words and figures on a check, the latter survives?"

KWASI OWUSU, stop lying, I never said that in my comment. I said if the words and figures are different, the cheque will be rejected, at least in USA where I live amd Western Europe if not all the developed countries because such a stupid rule leaves loopholes for Bank employees to steal customers money.
Amma 12 years ago

In any case isn't the point of words as well as figures there to remove any doubt of what the intended amount is? What is the point of having both if in time of conflict one will supersede the other. In the case of this elect ...
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In any case isn't the point of words as well as figures there to remove any doubt of what the intended amount is? What is the point of having both if in time of conflict one will supersede the other. In the case of this election, it is the figures that were used in result declaration hence the code argument is not relevant. Over-voting clearly occurred inspite of the figures written in words. Cardinal, the scenario that you painted, is exactly what the Presiding Officer engaged in -subtle theft.
gq 12 years ago

Amma, I am sure you don't even understand what you are saying. It is not what Bawumia says but the universally accepted banking code called "Uniform Transaction Code" that is what is adhered to all over the world.

Educate ...
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Amma, I am sure you don't even understand what you are saying. It is not what Bawumia says but the universally accepted banking code called "Uniform Transaction Code" that is what is adhered to all over the world.

Educate yourself and not follow blindly
CARDINAL 12 years ago

No, that is not followed in the world. Nowhere in USA can you get any check accepted if you have the figure wrong from the written words. The check will be rejected. Now you can understand why people in Ghana don't like putti ...
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No, that is not followed in the world. Nowhere in USA can you get any check accepted if you have the figure wrong from the written words. The check will be rejected. Now you can understand why people in Ghana don't like putting their money at the Bank.

gq 12 years ago

CARDINAL please educate yourself. Uniform Transaction Code falls under the general Uniform Commercial Code that has been in operation since the turn of the 20th century. The rules and regulations are used everywhere and falls ...
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CARDINAL please educate yourself. Uniform Transaction Code falls under the general Uniform Commercial Code that has been in operation since the turn of the 20th century. The rules and regulations are used everywhere and falls under the purview of the U.S Attorney General's Dept. ie administrator of the laws of the land.
JOHNSON ADDO 12 years ago

ANOTHER FOOL WHO ASSUMES A NOBLE TITLE. HE WRITES A LOT OF NONSENSE SUCH THAT I DONT READ ANY ARTICLE CARRYING HIS NOBLE TITLE (NOT NAME)

ANOTHER FOOL WHO ASSUMES A NOBLE TITLE. HE WRITES A LOT OF NONSENSE SUCH THAT I DONT READ ANY ARTICLE CARRYING HIS NOBLE TITLE (NOT NAME)
Kwame Yeboah 12 years ago

Stop blinding us writing in caps, it shows your lack of education and etiquette. I guess you too is proud of your slave name Johnson, aren't you.

Stop blinding us writing in caps, it shows your lack of education and etiquette. I guess you too is proud of your slave name Johnson, aren't you.
KWASI OWUSU 12 years ago

Stop talking about matters you don't know. The same rule applies in the USA AND BRITAIN.

Just read the following to educate yourself kakra:

If there is a conflict between the printed part and a typewritten part, the ty ...
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Stop talking about matters you don't know. The same rule applies in the USA AND BRITAIN.

Just read the following to educate yourself kakra:

If there is a conflict between the printed part and a typewritten part, the typewritten part would prevail. If there is a conflict between an amount or quantity expressed both in words and figures, as on a check, the amount or quantity expressed in words prevails.
LEVI 12 years ago

Tsatsu once issued a cheque on behalf of GNPC. The cheque supposed to be 1,000 Cedis, but in actual fact, he wrote Ten thousand in words and 1,000 in figures. The bank consulted Tsatsu and he instructed the bank to apply Unif ...
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Tsatsu once issued a cheque on behalf of GNPC. The cheque supposed to be 1,000 Cedis, but in actual fact, he wrote Ten thousand in words and 1,000 in figures. The bank consulted Tsatsu and he instructed the bank to apply Uniform Transactional Code. The bank then paid ten thousand instead of 1,000. In fact, this explains why Gnpc is still in crisis! Remember, law does not supersede common sense. For indeed, irrational laws are there to be challenged. Indeed, yours is glib thinking!
tegare 12 years ago

thanks sir, Levi. the purpose of this article is to disinform. the uniform transaction thing is not applied by law. it just gives guidelines to harmonise transactions. besides several items keep being taken out and others add ...
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thanks sir, Levi. the purpose of this article is to disinform. the uniform transaction thing is not applied by law. it just gives guidelines to harmonise transactions. besides several items keep being taken out and others added form time to time. currently, in 2013, it does not include cheques with issues raised above, which has fallen into cheque fraud category.
gq 12 years ago

What Levi says will not happen period!!!
What is sad is Bawumia does not know of such a code when he is a banker of repute. A BRILLIANT young FOOL this Bawumia.

What Levi says will not happen period!!!
What is sad is Bawumia does not know of such a code when he is a banker of repute. A BRILLIANT young FOOL this Bawumia.
LEVI 12 years ago

Who says the Uniform Commercial Code has legal jurisdiction? It does not have legal binding, and even if it does, it is not up to Bawumia to intepret the law. In fact, Tsatsu should have known better; it was unfair for a lawy ...
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Who says the Uniform Commercial Code has legal jurisdiction? It does not have legal binding, and even if it does, it is not up to Bawumia to intepret the law. In fact, Tsatsu should have known better; it was unfair for a lawyer of Tsatsu's repute to query Bawumia on such code.
gq 12 years ago

Can you tell me why it falls under the purview of the U.S Attorney General's Dept. ie administrator of the laws of the land.

Can you tell me why it falls under the purview of the U.S Attorney General's Dept. ie administrator of the laws of the land.
Yaw Amofa 12 years ago

Are you trying to say all Akans are NPP? Such idiotic deductions really infuriates me. Because someone has Akan name doesn't necessarily mean they can't. be NDC members. 3y3 a monnwene s3 nipa, na mo y3 mmoa dodo! Agyimifo) m ...
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Are you trying to say all Akans are NPP? Such idiotic deductions really infuriates me. Because someone has Akan name doesn't necessarily mean they can't. be NDC members. 3y3 a monnwene s3 nipa, na mo y3 mmoa dodo! Agyimifo) mma.
tiger shark 12 years ago

Should I be a banker I will reject such a cheque if prsented by an NPP thug.No wonder Bawumia is the only ghanaian who did not know that the
election results were broadcasted

Should I be a banker I will reject such a cheque if prsented by an NPP thug.No wonder Bawumia is the only ghanaian who did not know that the
election results were broadcasted
De Waliata 12 years ago

I agree with Akadu. International Bankers deal in paper trails(transfers), equities, etc. Again, a check should be 'certain' in an amount; if both columns don't match it is returned for a re-issue. Commerce & Accounting 101

I agree with Akadu. International Bankers deal in paper trails(transfers), equities, etc. Again, a check should be 'certain' in an amount; if both columns don't match it is returned for a re-issue. Commerce & Accounting 101
KWASI OWUSU 12 years ago

De Waliata, that is not what the UCC tells us! Go back and collect your fees from your teacher in Commerce & Accounting 101!

Why are we destroying ourselves because of partisan politics? When are we going to stand up for p ...
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De Waliata, that is not what the UCC tells us! Go back and collect your fees from your teacher in Commerce & Accounting 101!

Why are we destroying ourselves because of partisan politics? When are we going to stand up for principles instead of blindly following DISHONEST AND INTELLECTUALLY BANKRUPT LEADERS LIKE DR. BAWUMIA?

Think about that.
Photosy. 12 years ago

Uniform Commercial Code
MAIN PAGEABOUTSEARCH
UNIFORM COMMERCIAL CODE

U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS
..PART 1. GENERAL PROVISIONS AND DEFINITIONS

§ 3-114. CONTRADICTORY TERMS OF INSTRUMENT.

If an inst ...
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Uniform Commercial Code
MAIN PAGEABOUTSEARCH
UNIFORM COMMERCIAL CODE

U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS
..PART 1. GENERAL PROVISIONS AND DEFINITIONS

§ 3-114. CONTRADICTORY TERMS OF INSTRUMENT.

If an instrument contains contradictory terms, typewritten terms prevail over printed terms, handwritten terms prevail over both, and words prevail over numbers.
KWASI OWUSU 12 years ago

Bingo.

Hope Dr. Bawumia is reading you. What a dishonesty man and he wants to be the vice president of our country. You see why we are in trouble as a nation?

Bingo.

Hope Dr. Bawumia is reading you. What a dishonesty man and he wants to be the vice president of our country. You see why we are in trouble as a nation?
princewilly@ymail.com 12 years ago

HISTORY IS HIS STORY NOT HER STORY.
IF I AM A PEN THIEF,I CAN CHANGE THE HISTORY OF THE CHECK.

HISTORY IS HIS STORY NOT HER STORY.
IF I AM A PEN THIEF,I CAN CHANGE THE HISTORY OF THE CHECK.
KWASI OWUSU 12 years ago

Akadu, why are you always defending the indefensible?

The problem with the Dr Bawumias of Ghana is that they are so dishonest. No wonder we are in this mess as a nation.

Did you say you are a doctor? It shows

Akadu, why are you always defending the indefensible?

The problem with the Dr Bawumias of Ghana is that they are so dishonest. No wonder we are in this mess as a nation.

Did you say you are a doctor? It shows
Repugnant. 12 years ago

According to Bawumia the law is the law when it favors, but will resort to commonsense and incredulous attitude to circumvent the truth. We have been making heroes of sincere dupes!

According to Bawumia the law is the law when it favors, but will resort to commonsense and incredulous attitude to circumvent the truth. We have been making heroes of sincere dupes!
Kojo London 12 years ago

Can 10 be the same as 100.Dr said the cheque should be returned and correction made.That I think is right.remember theory and practical are not the same.Dr is right. The said cheque must sent back for correction to be made.

Can 10 be the same as 100.Dr said the cheque should be returned and correction made.That I think is right.remember theory and practical are not the same.Dr is right. The said cheque must sent back for correction to be made.
CARDINAL 12 years ago

I know no Bank in USA will accept such a cheque, that is for sure. Such a cheque will be rejected.

Now I understand why Ghanaians don't patronize the Banks especially the less educated ones because such nonsense leaves lo ...
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I know no Bank in USA will accept such a cheque, that is for sure. Such a cheque will be rejected.

Now I understand why Ghanaians don't patronize the Banks especially the less educated ones because such nonsense leaves loopholes for people accounts to be invaded by Bank employees.

Kojo, you live in London, can you write Hundred pounds in words and write a figure of 10.00 and present it to the Bank and get hundred pounds handed to you? The teller will not accept that until you add another zero to look like this 100.00 to conform with the words.

As you said, Theory and practicals are not the same. Well said.
JOHNSON ADDO 12 years ago

PLEASE DONT MISQUOTE BAWUMIAH. HE DID NOT SAY THAT THE CHEQUE MUST BE SENT BACK TO THE ONE WHO ISSUED IT. HE SIMPLY SAID THAT THE CHEQUE IS UNACCEPTABLE. THESE ARE TWO DIFFERENT ISSUES. WHY HAVE YOU ALL CLOSED YOUR EARS AND E ...
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PLEASE DONT MISQUOTE BAWUMIAH. HE DID NOT SAY THAT THE CHEQUE MUST BE SENT BACK TO THE ONE WHO ISSUED IT. HE SIMPLY SAID THAT THE CHEQUE IS UNACCEPTABLE. THESE ARE TWO DIFFERENT ISSUES. WHY HAVE YOU ALL CLOSED YOUR EARS AND EYES?
Uncle Mends, Takoradi 12 years ago

He said "The check must be annulled". Annul means to void. The banker should return the check for correction but can't annul or VOID it.

He said "The check must be annulled". Annul means to void. The banker should return the check for correction but can't annul or VOID it.
Okofo 12 years ago

Please don't be blinded by partisan politics and disgrace yourself as Dr Bawumia has done to his character and profession. For your information Law Relating to Banking is one of the core subjects of Chartered Institute of Ban ...
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Please don't be blinded by partisan politics and disgrace yourself as Dr Bawumia has done to his character and profession. For your information Law Relating to Banking is one of the core subjects of Chartered Institute of Banker which Bawumia is an Associate member. Its therefore a disgrace for him to tell the whole world that he does not no anything about the requirement of the Uniform Transaction Code. Please don't follow him to soil your reputation.
Nana 12 years ago

Nana Ekua- if your student write different words for different numbers will you mark him right. U need to start schooj again

Nana Ekua- if your student write different words for different numbers will you mark him right. U need to start schooj again
JAMES 12 years ago

You are a stupid foolish idiot! A clown bigot like you imposter! If as a banker as he claimed he is,and he did not know jsut that,then there is something seriously wrong with him.I am happy for his future emplyees would see t ...
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You are a stupid foolish idiot! A clown bigot like you imposter! If as a banker as he claimed he is,and he did not know jsut that,then there is something seriously wrong with him.I am happy for his future emplyees would see the foolish daft idiot that he is.Akurag Oparry,reason you bigot! Wise up!
Aplasnke 12 years ago

Mr. AKurang-Parry there are some fundamental concepts that a professional should know about his field. It is disingenuous for you as a historian and college associate professor to say that 'DR' of Banking and economist should ...
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Mr. AKurang-Parry there are some fundamental concepts that a professional should know about his field. It is disingenuous for you as a historian and college associate professor to say that 'DR' of Banking and economist should not know those fundamental stuff.
Be real!!!
JOHNSON ADDO 12 years ago

SHAME ON YOU AND YOUR QUESTION

SHAME ON YOU AND YOUR QUESTION
Herbo 12 years ago

Nana Akua, what if the amount in words was greater than the amount in figures. Which bank did you say you worked for? No wonder the cocoa board lost so much due to people like Nana Akua Tweneboah-Koduah. If she is still at th ...
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Nana Akua, what if the amount in words was greater than the amount in figures. Which bank did you say you worked for? No wonder the cocoa board lost so much due to people like Nana Akua Tweneboah-Koduah. If she is still at the till, I suggest her employers take a second look at her.
KOFI BRUCE 12 years ago

Akadu,
Its about time you bring respect to yourself and your so-called PhD. Just stop your silly comments on the web and get lost. You are a shame to the academia. No PhD holder worth his/her sort will be roaming on the web ...
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Akadu,
Its about time you bring respect to yourself and your so-called PhD. Just stop your silly comments on the web and get lost. You are a shame to the academia. No PhD holder worth his/her sort will be roaming on the web posting stupid, uncultured, tribal comments. You are a shame to womanhood and your parents. Happy mother's Day!
Gadhafi verona Italy 12 years ago

You are very stupid,u are rather unculture not nana akua

You are very stupid,u are rather unculture not nana akua
Sewornu Quame 12 years ago

Ah this Nana's boy called Bawumia who always needs a calculator just to calculate just nine and twelve digit numbers. It is only block headed people like Owusu Afriyie, Kwaku Baaku, Egbert Faible Jnr, Fredua and co it is thos ...
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Ah this Nana's boy called Bawumia who always needs a calculator just to calculate just nine and twelve digit numbers. It is only block headed people like Owusu Afriyie, Kwaku Baaku, Egbert Faible Jnr, Fredua and co it is those who live in that dream land will call Bawumia a renowned economist a banker of international repute. With this few wods i concur with nakuakoduah@yahoo.com
This may be due to the fact that Dr Bawumia may have dazzled his NPP colleagues on several fronts and not all of us.
VINCEY,NJ 12 years ago

Bawumia dazzles the NPP. Because with exception of few others in the party, the rest are blockheads. case in point . The kookoase lawyer secretary Gen of the party. He is such a dunderhead and destroying the party's few credi ...
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Bawumia dazzles the NPP. Because with exception of few others in the party, the rest are blockheads. case in point . The kookoase lawyer secretary Gen of the party. He is such a dunderhead and destroying the party's few credibility that is left. Banks don't annulled check/cheque due to disparity in figure and words. Its amended.
AbasZ 12 years ago

Kwasea. Go and learn how to spell your own name -kwame. If Bawumia doesnt know, you what do you know? You BASTARD PIKIN.

Kwasea. Go and learn how to spell your own name -kwame. If Bawumia doesnt know, you what do you know? You BASTARD PIKIN.
AbasZ 12 years ago

Kwasea. Go and learn how to spell your own name -kwame. If Bawumia doesnt know, you what do you know? You BASTARD PIKIN.

Kwasea. Go and learn how to spell your own name -kwame. If Bawumia doesnt know, you what do you know? You BASTARD PIKIN.
Me 12 years ago

This writer is just finding fault with Bawumia. What hs this got to do with the price of an egg?
Whether you NDCFolks like it or not Bawumia is who he is and you cannot change that with your nonsense.

This writer is just finding fault with Bawumia. What hs this got to do with the price of an egg?
Whether you NDCFolks like it or not Bawumia is who he is and you cannot change that with your nonsense.
koby 12 years ago

JESUS CHRIST DID NOT ANSWER ALL QUESTIONS FROM HIS ENEMIES,WHICH IS NOT

JESUS CHRIST DID NOT ANSWER ALL QUESTIONS FROM HIS ENEMIES,WHICH IS NOT
Ghanaba 12 years ago

What may be right in the banking sector in Ghana, must not be right in the electoral world. Bawumia knows how to avoid Tsikata's traps. The witness stand is not a banking forum. In most parts of the developed world, a cheque ...
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What may be right in the banking sector in Ghana, must not be right in the electoral world. Bawumia knows how to avoid Tsikata's traps. The witness stand is not a banking forum. In most parts of the developed world, a cheque must be annulled if any type of discrepancy occurs.
Bandit 12 years ago

what is HE Bawumia afraid of??? If traps, which one precisely???....pink shit...pinksheets??? Yeah, Bawumia bloated something over there, and he has course to avoid 'TRAPS'.

what is HE Bawumia afraid of??? If traps, which one precisely???....pink shit...pinksheets??? Yeah, Bawumia bloated something over there, and he has course to avoid 'TRAPS'.
princewilly@ymail.com 12 years ago

There are 4 people on an airplane: the pilot, the smartest man in the world, a preacher, and a teenager. About halfway through the flight the engines cut out so they’re going to have to exit the plane. The problem: there we ...
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There are 4 people on an airplane: the pilot, the smartest man in the world, a preacher, and a teenager. About halfway through the flight the engines cut out so they’re going to have to exit the plane. The problem: there were only 3 parachutes. They are arguing about who is going to get a parachute.

The pilot yells: “I’m married and have 4 kids! My family needs me!” So he grabs a ‘chute, puts it on, and jumps out of the plane.

The ‘smartest man in the world yells: “I’m the smartest man in the world needs me!”, puts on a ‘chute and jumps out of the plane.

The preacher turns to the teenager and says: “Well son. I’ ve lived a long life; I know where I’m going when I die. You take the last parachute.” “Sir, there are 2 parachutes left”, the kid says.

The preacher scratches his head and asks: “How could there be 2 parachutes left?” “Well”, the teen says, “the smartest man in the world just jumped out with my backpack"
Frimpong, USA 12 years ago

princewilly you always put smiles on my face, thank you.

princewilly you always put smiles on my face, thank you.
Kwa.... 12 years ago

Prince, you always find jokes to suit each article. Keep it up buddy you are amazing......!

Prince, you always find jokes to suit each article. Keep it up buddy you are amazing......!
JOHNSON ADDO 12 years ago

NO I DONT AGREE. PRINCE BORES ME TO DEATH. HE TAKES THE RELEVANT ISSUES INTO LIMBO AS IF HE WANTS TO TEASE HIMSELF. I SIMPLY IGNORE HIS DISTRACTIONS

NO I DONT AGREE. PRINCE BORES ME TO DEATH. HE TAKES THE RELEVANT ISSUES INTO LIMBO AS IF HE WANTS TO TEASE HIMSELF. I SIMPLY IGNORE HIS DISTRACTIONS
NYANSAYENA 12 years ago

The ground Master of Law, Professor Tsatsu Tsikata is Educating all of us Law and Mathematics in Supreme Court but NPP and Dr. Bawumia arrogantly don't want to accept it. Tsatsu No size.

The ground Master of Law, Professor Tsatsu Tsikata is Educating all of us Law and Mathematics in Supreme Court but NPP and Dr. Bawumia arrogantly don't want to accept it. Tsatsu No size.
your point is baseless 12 years ago

go and fuck yourself

go and fuck yourself
Photosy. 12 years ago

UNIFORM COMMERCIAL CODE

U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS
..PART 1. GENERAL PROVISIONS AND DEFINITIONS

§ 3-114. CONTRADICTORY TERMS OF INSTRUMENT.

If an instrument contains contradictory terms, typewritte ...
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UNIFORM COMMERCIAL CODE

U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS
..PART 1. GENERAL PROVISIONS AND DEFINITIONS

§ 3-114. CONTRADICTORY TERMS OF INSTRUMENT.

If an instrument contains contradictory terms, typewritten terms prevail over printed terms, handwritten terms prevail over both, and words prevail over numbers.
Looksharp 12 years ago

SHAME... IS 24 EQUALS TO 14. YOU JUST ENVY DR. BAWUMIA

SHAME... IS 24 EQUALS TO 14. YOU JUST ENVY DR. BAWUMIA
KOMKOM 12 years ago

I dare say that no bank will honour a cheque that has difference in the amount in words and figures. What is this nana akua talking about. Especially when the bearer is not bthe account holder

I dare say that no bank will honour a cheque that has difference in the amount in words and figures. What is this nana akua talking about. Especially when the bearer is not bthe account holder
BOY KOFI 12 years ago

The mountain of Bawumia's evidence has become valley of lies.Where did we hear Bawumia showing the number of votes Prez Mahama stole from Nana Addo?Where did we see EC stealing votes for Prez Mahama?The truth is Prez Mahama b ...
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The mountain of Bawumia's evidence has become valley of lies.Where did we hear Bawumia showing the number of votes Prez Mahama stole from Nana Addo?Where did we see EC stealing votes for Prez Mahama?The truth is Prez Mahama beat Nana Addo fairly without doing any wrong.All these allegations and petitions are designed to fool NPP supporters who have refused to think well.Bawumia is in the game fighting for his own interest.I will not be surprised to see Bawumia contesting for the 2016 NPP flagbearership.That's the law of the jungle.Thank you.
Plumber 12 years ago

I am a Ghanaian in Nigeria. As soon as Bawumia gave this answer I put the same question to a cashier at ECOBANK Nigeri ltd. ie What happens when there is a discrepancy between the words on a cheque and the figures? According ...
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I am a Ghanaian in Nigeria. As soon as Bawumia gave this answer I put the same question to a cashier at ECOBANK Nigeri ltd. ie What happens when there is a discrepancy between the words on a cheque and the figures? According to the cashier, the amount in words is taken as the correct entry, so the issuer has to rewrite that amount in figures and sign against the correction on the same cheque if he doesn't have another checque leaflect. I pointed out this in a comment I made on Ghanaweb, long before this article. Tsatsu is a good researcher. Bawumia has come across as a person given to answering questions without deep thought, without pausing to reflect where his answer might lead him. As soon Tsatsu posed the question I sensed danger for Bawumia, but he recklessly obliged an answer. All Bawumia needed to say was that the two situations are different, pink sheets are not Bank checques. He thought he could get away with it. but I know Tsatsu has amassed a lot of meat and would raise the issue in his submission, and it is at this point that Bawumia would realise how carelessness in court can affect a witness.
Kofi Asaase Asa--- Mantukwa 12 years ago

Nana Akua Tweneboah-Koduah, please don't get a heart attack for the answer from Dr. Bawumia. He knows better than you do!

In the bible when Jesus was asked by the pharisees about stoning to death an adultrous woman, Jesus ...
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Nana Akua Tweneboah-Koduah, please don't get a heart attack for the answer from Dr. Bawumia. He knows better than you do!

In the bible when Jesus was asked by the pharisees about stoning to death an adultrous woman, Jesus knew that what the pharisees were saying was in the Bible, the Old Testament, Jesus replied:

"e who has no sin should first throw stone at the woman"

Dr. Bawumia was simple saying that if there is such inconsistency, it was an error, and at best the cheque should be annuled, dis-honoured. should not be cashed! Period.

Please, don';t get a heart attack and get a pre-matured death because of answers from wise men and politicians.

Nana Akua Tweneboah-Koduah, Ohemaa.
scarecrow 12 years ago

Bawumia is a banker who dosen't understand mathmatics.

Bawumia is a banker who dosen't understand mathmatics.
Whatever 12 years ago

I'm a banker. That day when I heard Bawumia gave that answer, I felt so embarrassed. I knew that if other bank workers were watching, they would laughed at him. Choosing words over the figures is something a student of bankin ...
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I'm a banker. That day when I heard Bawumia gave that answer, I felt so embarrassed. I knew that if other bank workers were watching, they would laughed at him. Choosing words over the figures is something a student of banking is taught at the basic level but the former deputy BOG governor doesn't know this
CARDINAL 12 years ago

If that is what Ghanaians do, then no wonder only about 15% Ghanaians use the Bank because such a law leaves more loopholes for theft. Nowhere in the developed Western country can you get such a cheque honored as enumerated i ...
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If that is what Ghanaians do, then no wonder only about 15% Ghanaians use the Bank because such a law leaves more loopholes for theft. Nowhere in the developed Western country can you get such a cheque honored as enumerated in this article. Though theory might state that, in real world, such a cheque will be rejected.

I know for a fact that, you cannot write ten dollars in words and write 100 dollars in figures and take it to any bank here without the Bank rejecting it. You will be asked to fill a new form that has figures and words conforming.

If the chegue comes through mail of any medium, it will be rejected and sent back.

A pen thief and per this stupidy strict adherence of book theory, if I am working at the bank in Ghana, the law allows me to give you just GHC 10. A glib Bank employee can add Thousand in words infront of the Ten you have already written to make it look like ten thousand and if you have such an amount or more in your account, he or she can raid your account and withdraw the balance of 9,990.

Ghanaians just follow theory too much without using common sense.

PrinceWilly, try that in Las Vegas and see if any Bank will honour such a check. It will be rejected or you will be asked to make corrections.
Whatever 12 years ago

The Rule or Code are meant for purposes of legal clarification in case someone introduce litigation into a dispute over a cheque. That does not mean in practice, a bank won't exhaust other preliminary options like requesting ...
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The Rule or Code are meant for purposes of legal clarification in case someone introduce litigation into a dispute over a cheque. That does not mean in practice, a bank won't exhaust other preliminary options like requesting a rewrite of cheque before invoking that law. The reason why in Bawumia's case the law has been invoked by default is that he's mounting a challenge over legal issues inside supreme court of all places. By that recourse alone, he has by default, invoked the strict application of all laws applicable to his challenge
CARDINAL 12 years ago

Whatever, I think the question Tsatsu asked Br Bawuniah was, if somebody present a cheque to a Bank with a figure different from the written words, what will happen and Dr Bawuniah said such a cheque will not be honoured or ...
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Whatever, I think the question Tsatsu asked Br Bawuniah was, if somebody present a cheque to a Bank with a figure different from the written words, what will happen and Dr Bawuniah said such a cheque will not be honoured or accepted but not to explaina code. I did not watch live video of this cross examination but read the texts so I might be wrong.

In reality, no bank will accept such a cheque but reading what the Ndc supporters have said about this issue, it seems such a chewue will be accepted in Ghana.

According to this writer, Dr Bawumiah was wrong for the answer given but Dr Bawumiah was not asked to explain a code but what will happen when such a cheque is presented to a Bank.

"When such a thing occurs the Uniform Commercial Code enjoins that the words on the cheque must supersede the figures. This is something basic that every teller will tell you. But according to the Banking Gospel of Bawumia, when such a situations occurs, the cheque has to be nullified."

Practically, Dr Bawuniah was right. No Bank will cash such a cheques.
Whatever 12 years ago

You have to separate the law from practice. In law, any time figures and words on a cheque conflicts, the words overrides the figures. In practice however, the cheque could be rewritten properly at the behest of the bank befo ...
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You have to separate the law from practice. In law, any time figures and words on a cheque conflicts, the words overrides the figures. In practice however, the cheque could be rewritten properly at the behest of the bank before being honoured. A cheque cannot be annulled or voided because it's only a drafted written instructions. That is why cheques are rejected or honoured. When a bank is faced with a cheque carrying conflicting words and figure and the bank elect to honour the cheque by relying on the words, that bank has acted within the law and any suit against it will fail. I don't blame Bawumia because he conceded not being aware of the existent of that law.
CARDINAL 12 years ago

Have you heard of voided cheque? What do you mean by a cheque cannot be voided? Have you ever had a Bank accoutrements? And do you know what a voided cheque is? Don't say a cheque cannot be voided.

Voided cheque might not ...
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Have you heard of voided cheque? What do you mean by a cheque cannot be voided? Have you ever had a Bank accoutrements? And do you know what a voided cheque is? Don't say a cheque cannot be voided.

Voided cheque might not be the term to use in instances like this but dishonoured cheque or rejected but don't say a cheque cannot be voided.

Go and research and come back with your usual excuses. When you want to enter into a contract with a Bank for them to automatically pay on your behalf certain amount of money every month, you give them a voided cheque. You give a blank cheque, draw two lines on the cheque and writes VOID in between the lines and that is called voided cheque. A Banker as you call yourself should know this. What kind of a Banker are you?
CARDINAL 12 years ago

No reputable Bank in the world will accept a cheque with two different amounts one in figures and other in words. Your idea that a Bank will win any lawsuit for honouring such a cheque is a misnomer.

There is no law that ...
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No reputable Bank in the world will accept a cheque with two different amounts one in figures and other in words. Your idea that a Bank will win any lawsuit for honouring such a cheque is a misnomer.

There is no law that stipulates that a Bank should use the words on a cheque to cash it instead of figures. What you call law rather is CODE and that is why the word code was used instead of law. Go and find the difference between codes and laws. Codes when it comes into conflict with law takes a backseat. Any Bank that honours a cheque with two different figures on the face on it cannot use the codes to defend itself. It is called codes not laws for a reason and that is your assignment for tomorrow, MR BANKER.
tegare 12 years ago

my dear whatever u are 100% wrong. the so called uniform whatever code is not a legal code, its use is not obliged by law. it refers to specific commercial trnsactions which are usually listed under the code. this cheque ex ...
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my dear whatever u are 100% wrong. the so called uniform whatever code is not a legal code, its use is not obliged by law. it refers to specific commercial trnsactions which are usually listed under the code. this cheque example no longer applies under the code. its bee regarded as cheque fraud now. election fraud doess not fall under the code. UTC is not law.its just a convenient commercial understanding.
Whatever 12 years ago

Every banker is taught to rely on words instead of figures because that is the law and also because wording has a lot of purposefulness than figure writing. A lot of case laws on it exist. I suggest you attend a banking class ...
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Every banker is taught to rely on words instead of figures because that is the law and also because wording has a lot of purposefulness than figure writing. A lot of case laws on it exist. I suggest you attend a banking class because that would inform you a lot about cheques and it's derivative case laws.
tegare 12 years ago

guys, theres a big difference between whats written and whats practised. i dont remember using a cheque over past 6 years or so, but guys u make that mistake on a cheque, it will not be cashed by any bank. JUST TRY IT. by the ...
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guys, theres a big difference between whats written and whats practised. i dont remember using a cheque over past 6 years or so, but guys u make that mistake on a cheque, it will not be cashed by any bank. JUST TRY IT. by the way who uses cheques thesd days.
princewilly@ymail.com 12 years ago

A husband and wife had been having a difficult time financially for quite awhile. The wife, who was of course very attractive and who had a healthy sexual appetite, was getting a little restless sitting home all the time. She ...
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A husband and wife had been having a difficult time financially for quite awhile. The wife, who was of course very attractive and who had a healthy sexual appetite, was getting a little restless sitting home all the time. She asked her husband, who was very trusting and not jealous in the least, if he would mind if she had sex with men for money. She assured him that she would only have sex with them in her car at a secluded area of the park down the street. After much discussion, the husband relented, knowing how tight they were, and they both agreed that she should charge her customers $100 for a 30-minute session. The very first time with a customer, she was extremely aroused at the thought of having sex with the handsome stranger sitting next to her in the car. The man quickly pulled out his 10-inch erection. She grew quite flustered, thinking, "It is so much bigger than my husband's!" But then she realized she had not discussed the price. The customer said, "I only have $80?" The wife said, "Can you wait a minute? i will be right back!" She ran all the way home, arriving out of breath. Her husband asked, "What€™s the matter, honey?" She said, trying to catch her breath, "Can I borrow $20?
Be serious 12 years ago

Everyone is prone to mistakes.If you live in a glasshouse don't throw stones.

Everyone is prone to mistakes.If you live in a glasshouse don't throw stones.
James B. Otafregya 12 years ago

If you live in UK and her colonies, it is CHECQUE. If you live in US it is CHECK.

If you live in UK and her colonies, it is CHECQUE. If you live in US it is CHECK.
Uncle Mends, Takoradi 12 years ago

Thanks for correcting this ignorant gentleman.

Thanks for correcting this ignorant gentleman.
tegare 12 years ago

.......but then why is tsatsu trying to prove that that there were errors with the election and results....

.......but then why is tsatsu trying to prove that that there were errors with the election and results....
Spiky 12 years ago

The code may say that the figures prevail but commonsense tells me to reject such a cheque, and ask for a fresh cheque to be issued. The reason: Avoid controversy that can arise later. The precautionary note, read between the ...
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The code may say that the figures prevail but commonsense tells me to reject such a cheque, and ask for a fresh cheque to be issued. The reason: Avoid controversy that can arise later. The precautionary note, read between the lines of the UCC, 3.114, is that you do so at your own risk. Bawumia is not just a text-book banker; he is a smart banker who can think beyond the text book.

Surely, it makes sense, for instance, to forfeit you right to go at the robot when an idiot who should stop fails to do so and hits the red light. You either save your life and the lives of others, including the idiot, or the time you will spend in court. And just like Bawumia, in the case of the cheque, you would be wiser forfeiting your right to go.
Jorotara 12 years ago

It is so basic a rule to be ignorant of.

It is so basic a rule to be ignorant of.
HABa 12 years ago

even mahama has a job a thief like him

even mahama has a job a thief like him

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Bawumia Does Not Know Uniform Transaction Code

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