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Court Slams Access Bank With N7m Fine Over Rights Violation

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Access Bank rights violation

Federal High Court awards N7 million in damages over Access Bank rights violation after freezing a customer’s account without a valid court order

Access Bank rights violation has cost the bank N7 million in damages after the Federal High Court in Lagos found it guilty of infringing on the fundamental rights of a customer, Mrs Oluwasesan Ifeoluwa Bridget.

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Also read: Access Bank, employee face N825.9 million fraud charges

In a judgment delivered on Monday, Justice Ayokunle Faji ruled that Access Bank acted unlawfully by placing a Post No Debit (PND) restriction on Bridget’s account without securing a valid court order at the time of action.

The account, belonging to Bridget, was frozen on 1 July 2023—two weeks before the alleged order dated 16 July 2023 from a Magistrate Court in Masaka, Nasarawa State.

The judge emphasised that the bank’s failure to tender a Certified True Copy (CTC) of the order meant no legal basis existed for the restriction.

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Even if such an order were produced, it was addressed to “Access Bank Ltd” and “Manager Access Bank”—non-juristic entities, rather than the legal entity, Access Bank Plc.

“The bank, having a legal department, ought to have known that the order was improperly drawn and unenforceable,” the court held.

Bridget, who holds account number 0054695391 with the bank, discovered her funds were inaccessible without any formal notification. Repeated visits to Access Bank branches yielded no solution, with officials merely citing “internal issues.”

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Her situation worsened in September 2023 when she survived an assassination attempt. The attack left her with fractured legs and spinal injuries, confining her to a wheelchair for over eight months.

The bank, having a legal department, ought to have known that the order was improperly drawn and unenforceable.

She was unable to pay for her medical care due to the frozen account, plunging her into extreme hardship.

After regaining partial mobility in September 2024, Bridget’s legal counsel sent a formal demand to Access Bank on 7 October 2024, urging immediate reversal of the restriction. The bank ignored the request.

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In court, Access Bank argued the PND was supported by a police-obtained court order and claimed the matter was a typical customer dispute, not a human rights issue.

The bank stated that the Inspector General of Police had obtained an order against “Access Bank Ltd” and “Manager Access Bank”.

Counsel for the applicant, Farid Giwa, countered that the named parties in the court order did not exist legally, and the document was not certified. He stressed that the PND was imposed even before the order was allegedly obtained.

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Justice Faji upheld Giwa’s arguments, ruling that Access Bank’s conduct violated Bridget’s constitutional right to own property, as protected under Section 44(1) of the 1999 Constitution.

The judge awarded N7 million in damages for the bank’s unlawful action, describing its conduct as unconstitutional, unjustified, and lacking in due diligence.

Also read: NGX Market Capitalisation Milestone Hits N74 Trillion On Strong Investor Demand

The case is now regarded as a landmark ruling in protecting customers from Access Bank rights violation and could set a precedent for similar disputes within Nigeria’s financial sector.

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Carrick Admits Man United Have Fallen Below Expectations

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Carrick

Michael Carrick admits Man United have fallen below expectations after a poor run of results, urging players to restore the club’s identity

Manchester United manager Michael Carrick has admitted that the club have fallen below expectations following a disappointing run of results, insisting that his players must rediscover the values and identity that have defined the Premier League side.

Also read: NSCDC arrests 22-year-old over cable vandalism in Gombe

Speaking at a press conference on Friday, October 23, 2026, ahead of Sunday’s meeting with Bournemouth at Old Trafford, Carrick described the team’s recent performances as unacceptable and called for a collective effort to restore confidence.

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The manager was particularly critical of Wednesday’s 4-1 Champions League defeat by Como, which he said had been painful to witness.

“Recently we haven’t had a good time, I think that’s pretty obvious,” Carrick said, according to BBC Sport.

“Wednesday was a bad night, and it hurt me to see us play like that. It was unacceptable.”

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United’s struggles have intensified scrutiny of Carrick, with the team enduring a run of seven games without a victory.

Reports of tensions and criticism within the squad have added to the pressure ahead of the Bournemouth fixture.

The former United midfielder said his priority was to ensure the team performed in a way that reflected the club’s traditions and gave supporters reason to be proud.

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“My responsibility is to get a team on the pitch that represents this football club, and the supporters, and they can be proud of in the identity we show,” he said.

“We have gone away from that recently. We all must recognise that.”

Carrick stressed that Manchester United’s history should serve as a reminder of the standards expected from players and staff, particularly during difficult periods.

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He highlighted resilience, humility and hard work as essential qualities, warning that the club could not afford to abandon those principles amid its current struggles.

“The foundation and values of this football club have been etched for many years. I totally understand and get every single one of them,” he said.

“There’s a resilience about this football club that runs very deep. I’ve seen it with my own eyes, I’ve felt it, I know some of the individuals closely who have been a big part of that history.”

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Carrick also rejected any suggestion that the club’s reputation should entitle its players to special treatment.

“Entitlement cannot be at this football club,” he said.

“It was based on being humble, having humility, and hard work. We can never lose that, and I won’t let us lose that.”

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Carrick also declined to rule out leaving captain Bruno Fernandes out of the starting line-up against Bournemouth when asked whether he had considered dropping the Portuguese midfielder.

Fernandes has reportedly criticised Carrick’s tactics following the defeat in Italy, adding another dimension to the scrutiny surrounding the team.

However, Carrick said decisions would be guided by what he believed was best for the club rather than individual considerations.

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“The most important thing for me is the team, the squad and dynamics in the squad,” he said.

“It’s about the football club. I’ll always do what is best for the football club.”

His comments suggest that team selection will be based on collective performance and squad dynamics as United seek to arrest their poor run.

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Manchester United will host Bournemouth on Sunday as Carrick attempts to guide the team back to winning ways and ease mounting pressure.

The manager’s immediate challenge is to translate his call for renewed commitment into an improved performance on the pitch.

Also read: NSCDC arrests 22-year-old over cable vandalism in Gombe

With supporters demanding better results, the Bournemouth encounter presents United with an opportunity to demonstrate greater resilience and begin rebuilding confidence within the squad.

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