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In recent years, the volume and frequency of fraudulent practices in Nigerian banks have been on the increase. According to the Nigeria Deposit Insurance Corporation (NDIC), the level of reported fraud in Nigerian banks rose from N804M in 1998 to a significant and alarming rate in 2013.
The growing scope and scale of fraud in the Nigerian banking industry is not surprising, given the rising profile of the country as a corrupt and fraudulent nation. For instance, a recent survey by Transparency International, a German‐based international organization that interviews business people worldwide, listed Nigeria as the 10th most corrupt country in the world as at 2005. Recent investigation shows that Nigeria is ranked 39th out of 175 other corrupt nations.
This corruption is not far found from the Banking Sector, banks are the major source of corruption in Nigeria.
Skye bank as we all know is a new bank founded around 2006, the origin of Skye is dated back to 1989 when (5) five incompetent and chicanery banks were merged after they (EIB International Bank Plc, Bond Bank Limited, Reliance Bank Limited, Co-operative Bank Plc and Prudent Bank) were issued a Compulsory Liquidation Order from the court under grounds of;
1. The number of members/customers has fallen below the minimum prescribed by statute.
2. The company is unable to pay its debts as they fall due.
3. The company is involved in several fraud case investigation.
The integration of this 5 FAILED FRAUDULENT banks, is the result of the current ATM fraud and schemes used in stealing from customers in Skye bank of recent.
Early this year, Akwa Ibom State Government forced all civil servants in the state to open an account with (SKYE BANK) which their salaries would be paid into, this has also been another scheme to assist Skye Bank to rob the citizens of Akwa Ibom State and Nigeria as a whole.
The fraudulent cases occurring in Skype Bank keep piling up, we take our time to compile reported cases;
On May 28th, 2015, a transaction was performed on the account of one Mrs. Nancy got an alert of N12,000 while she was home and with her ATM, she complained to the bank days after. At getting to Skye Bank in Nwaniba, Uyo-Akwa Ibom State she spoke with a customer service Mr. Julian Echeta who then told her that the case is a fraud case and that “THE BANK CANNOT INVESTIGATE, OR WILL NOT INVESTIGATE FRAUD CASES” those were the words of Mr.Julian Echeta of Skye Bank Nwaniba, Uyo-Akwa Ibom State.
That is when Mrs. Nancy contacted CNNYAW and asked us to help appeal to Skye Bank to return her money, she also lamented it wasn’t the first time and that some of her colleagues have been going through the same problem.
In addition were also able to locate articles online posted by PunchNG
May 16th 2015
Francis Agadaga still remembers events of that fateful evening. He could have been a widower by now. On September 12, 2014, he rushed to an Automated Teller Machine point in his neighborhood at Igando, a Lagos suburb, to pick some cash with which to take his ailing wife, Sandra, to the hospital. It was a tough period for the family. The N7, 850 left in his bank account would go a long way in dousing the situation if he could get access to the fund. After inserting his card into one of the ATMs and requesting to withdraw N7, 000, what followed almost left the father of two in tears?
“It was on a Sunday afternoon and we had just returned from church when my wife started feeling feverish,” he began. “Her temperature became so high that we needed to quickly rush her to a hospital. I didn’t have any money on me at the time and so I hurried to the nearest ATM point to withdraw the little money I had in the account.
“However, to my utmost shock, I got a debit alert but did not get any money from the machine. I was so confused and tensed because I had never experienced such before and the kind of situation on ground then was a matter of life and death,” he said.
After waiting for a while to see if the cash would pop out of the machine, Agadaga left the place heartbroken and more tensed than he ever was. It took the kindness of few neighbours and friends to raise the money needed to save his wife’s life at a private clinic she was rushed to for treatment.
“It was my neighbours and friends who helped to raise N8, 000 with which I took her to the hospital where she was given injections and drugs. The next day, I went to my bank to complain and bank officials promised to reverse the debit after I had filled a form.
“I went back there after about a week later to find out why the money had not been reversed as promised. I was told their system had some technical problems, which they were trying to fix. I decided to give them some more time for the problem to be rectified. But after going there several times and being told the same thing, I left everything to God.
“Since that period till now, my N7, 000 has not been refunded. If not for my neighbours and friends who helped with some cash that day, maybe my wife could have died from that sickness,” the disgruntled young father told Saturday PUNCH.
Like Agadaga, Ejiro Dumuje, is still waiting for her money to be reverted back to her account four months after she was wrongly debited by an ATM in Abeokuta, the Ogun State capital. Dumuje had visited the ancient city to purchase bales of Adire fabric to resell in Edo and Delta states where she shuttles frequently when she suddenly ran out of cash. She headed for the nearest ATM point to collect some money. After paying her initial request of N40, 000, the young lady decided to pick additional N5, 000 from the machine. That was where things went wrong. A debit alert was sent to her phone but the machine never paid that money. Four months on, Dumuje is still waiting after several complaints at her bank.
“I have been to my bank more than three times to complain and ask why my money has not been refunded,” she said. “The people at the customer care just try to calm me by assuring that the case was still under investigation and that a refund would be effected as soon as possible. This is the fourth month and I have not seen my money. I am tired of going to complain. If they like, they can pay and if not, I leave them to God,” the visibly enraged lady said.
Bayo Odesina was in his office in Lagos in December 2013 when he got a debit alert of N250, 000 on his phone. It was an alert for an online transaction carried out through his MasterCard in Flushing, New York, United States of America. Agitated by the development, Odesina phoned his account officer to complain about the development and followed it up by contacting his lawyers to write the bank.
The financial institution replied and asked for a three-month period to properly investigate the matter. After three months, the bank sent a letter to Odesina’s home, accusing him of negligence and carelessness for the act. According to the bank, he had compromised the Personal Identification Number of his ATM card, thereby allowing fraudsters access to it in the process. Meanwile, it was only a few days after Odesina had approached his bank to block his ATM card after it went missing. The bank simply absolved itself of any blame in the act.
Odesina’s lawyers wrote the bank again, threatening to take the matter to court if their client’s money was not refunded. In response, the bank requested for more time, apparently trying to frustrate the matter. One year passed and nothing changed. Odesina, a media practitioner, wrote the bank’s corporate affairs unit, this time, introducing himself as a journalist and highlighting how much damage a publication of the matter could do to the bank’s image. That same day, he was contacted by the head of the corporate affairs unit, who strongly assured him that his money would be refunded in a few days time after talking him out of publishing the matter in the newspaper where he worked. Three days later, an alert did come on his phone. His money had been refunded after about 13 months of intense struggle.
“Their plan was to make me forget about the money,” Odesina told Saturday PUNCH earlier in the week. “They kept using all sorts of delay tactics just to frustrate me so I could give up on the money. If it were N5, 000, maybe I would have forgotten about it, but N250, 000 is not something I could just let go like that because it was a lot of money.
“My only saving grace was that I am a journalist. The bank already accused me of being careless with my ATM PIN. They also said that I had released vital information of the card to fraudsters who then went ahead to make online purchases with it in the US. The card in question had got missing and I made a request for it to be blocked, so how could that same card be used to make any transaction if not through the help of an insider in the bank who knew how to bypass certain security systems put in place?
“When I realised that the bank was not going to pay my money back, I contacted the people at the corporate affairs unit and made them understand what damage a news of the entire drama could do to the image of their bank. That same day they called me and pleaded with me to give them a few days and that they would pay me back my money. Three days later, I got an alert of N250, 000 on my phone. That was one year and one month after the initial incident. Imagine if that was all I had in the bank or I had not pursued the matter vigorously, I could have lost that much to the bank. I have since closed down my account with the bank,” he said.
A young factory worker in Akure, Ondo State, Yemi Onanuga, was stunned recently when N11, 300 was deducted from his account by his bank for an insurance scheme the financial institution claimed he subscribed to earlier. The money was part of funds he had been saving for months to establish a salon.
“I was shocked when I received the debit notification because I never subscribed to any insurance scheme at any period. It took several months of complaint and repeated visits to the bank before my money was paid back into my account. It was a terrible experience that really affected me in several ways,” Onanuga told Saturday PUNCH.
Illegal deductions as these are now a common feature despite series of complaints from many bank customers across the country. While some have been lucky to have their funds returned into their accounts, others continue to lament in vain. For them, it is a refund that might never come.
Three weeks ago, Amarachi Ejindu went to an ATM at the Akowonjo area of Lagos to withdraw some money. Though, her money was reversed back after receiving a debit alert initially for the transaction, the N65 ATM charge was not. It took a while before Ejindu noticed this and when she did, no reasonable explanation came to her mind. Why should she be charged for a transaction that was never completed or even occurred, she wondered. Why was the N65 not refunded along with the amount reversed? Who does that money go to? What does the CBN say about this? The questions kept running on her mind.
“I was really concerned about this that I had to call my bank’s customer care on the phone,” Ejindu opened. “It is a small amount but then I imagined why I should be charged for a transaction that never took place. It sounded like a rip off to me. I called the customer care people and they could not give a satisfactory explanation for this. They told me to make a formal complaint and that the matter would be looked into. I did that but they have yet to refund that money. Indeed, N65 could look like a small amount but think about how many customers would have experienced the same problem in a day and then see how much the banks could be making off people without their knowledge,” she said.
In Ilorin, the Kwara State capital, Abdullahi Lawal, an undergraduate, did not also get his N65 back after a cash reversal on his account two months ago. It was on a Friday evening and the 23-year-old had visited a cash point in the city to pick some amount to transport him to Ibadan in Oyo State where a cousin was getting married that weekend. During the transaction, Lawal was debited N4, 000 which was soon reversed back into his account. Like Ejindu, he noticed that what came back to him was N65 less. There was nobody he could complain to, so he forgot about the matter and moved on.
“When I noticed that N65 was still missing from my account after the reversal, I decided to let go as it was a small amount and moreover, there was nobody I was going to complain to that day. If it were a bigger amount, of course I would have gone to the bank to complain. I have forgotten about it because I am not sure the bank will refund the money,” Lawal said.
Apart from the N65 ATM charge, customers are also made to pay for multiple Short Message Service alerts for a single transaction on their bank accounts, losing more of their funds in the process. Many of these charges are not even communicated to the unsuspecting customers by the financial institutions.
A social economist, Kabiru Tiamiyu, told Saturday PUNCH that with all kinds of deductions being carried out in the name of charges by Nigerian banks, it is almost impossible for customers, especially those running savings accounts to get back the exact amount they kept in the banks.
According to Tiamiyu, one of the easiest ways banks milk unsuspecting customers is through SMS. He said banks still charge N4 per SMS sent to a customer when even bulk SMS providers in the country offer the service for less than N1.00. Rip-off of this kind, he said must be resisted by customers.
Following a directive by the Central Bank of Nigeria, bank customers began paying N65 for cash withdrawals made on other banks’ ATMs from September 1, 2014. The re-introduction of the charges came almost two years after the CBN and the Deposit Money Banks cancelled the N100 ATM charge in December 2012. According to the apex bank, the charge would become effective on the fourth ATM withdrawal in a month, thus making the first three withdrawals on other banks’ machines within the month free.
But financial experts think that the N65 deduction should only apply to valid withdrawals. According to Godfrey Obiefule, an investment banker, returned cheque debits, bank-generated charges and loan liquidation are transactions that ought not to attract Commission on Turnover. He posited that reversals or mistakes made by banks should not attract charges to the depositors.
In 2013, the CBN disclosed that it recovered over N9bn excess charges deducted from customers’ accounts by commercial banks across the country within a one year period. The controller of the Abeokuta branch of the apex bank at the time, Mr. Olumuyiwa Joawo, made the revelation during a consumer sensitisation workshop organised by the financial body in the Ogun State capital.
Head, Security and Risks Management, Credit Dynamics, Kingsley Ochefu, wants customers to be more vigilant in their dealings with financial institutions and always complain whenever they notice any discrepancies on their accounts.
“Banks should let their customers know their service charges for accounts.
Deputy Chairman, Committee of E-banking Industry Heads in Nigeria, Mr. Dele Adeyinka, told Saturday PUNCH that the N65 ATM charge is shared by several parties regardless of whether the transaction succeeds or not.
“The N65 in question is shared by several parties. Out of the amount, N10 goes to the issuer of the card while N55 goes to the bank that owns the machine.
“The truth is that whether a dispense error occurs or not, there has been a communication link, the switch has been touched and the owner of the ATM incurred some cost to set up the machine. That communication has to be paid for because there are implicating charges for the process involved.
“For a customer such could be a failed transaction but in the real sense a communication link between the ATM and your bank had occurred, switch had been touched and these services attract charges whether or not the request was eventually completed. A service has been offered technically.
“But this is the fault of nobody. It is simply as a result of infrastructural failure in our society. Banking transactions rely on a lot of infrastructure to thrive especially stable power supply. This is part of the reasons why the situation persists,” he said.
On the issue of charging customers for multiple SMS on a particular transaction, Adeyinka said it was wrong for banks to do such as it was not the fault of the customers. According to him, customers who experience such should make formal complaints at their banks or petition the CBN who would surely look into it.
CBN spokesman, Mr. Ibrahim Muazu, told Saturday PUNCH that whoever feels cheated by their bank should write the regulatory financial institution and their grievances would be looked into immediately if the case is valid. Like Adeyinka, he explained why the N65 ATM charge does not return back to a customer’s account even when a transaction is not completed. He disclosed that as long as a communication link has had been established between the two banks involved, charges are definitely going to apply.
We also have several post from Inside-a-banking-hall-360x229

How banks rob customers and here’s an article similar to what we have here


This are also some pictures from an incident that occurred a while ago

sky1 sky2 sky3 sky4

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Letter from Africa: Can Nigeria avoid repeating past mistakes?



In our series of letters from African journalists, novelist and writer Adaobi Tricia Nwaubani writes that many of the hopes Nigerians had at independence have been dashed.

Of all the stories I have heard of the day when Nigeria gained independence from Britain on 1 October 1960, the most memorable is the one told by my friend’s father, Onye Kamanu, who had spent the preceding night at Tafawa Balewa Square in the then capital, Lagos.

Sitting on the surrounding walls and bare ground were thousands of Nigerians, who, like him, could hardly wait to usher in the day that their country would finally be free from colonial rule.
‘Joy and pride’

With tears in his eyes, Mr Kamanu recalled the occasion, describing the deafening bellow of triumph that went up from the teeming crowd when the British Union Jack finally went down and the green-white-green Nigerian flag was hoisted.

Nigeria’s then Prime Minister Tafawa Balewa captured the mood of the entire nation during his Independence Day speech.

“This is a wonderful day and it is all the more wonderful because we have awaited it with increasing impatience. Words cannot adequately express my joy and pride at being the Nigerian citizen privileged to accept from Her Royal Highness these constitutional instruments which are the symbols of Nigeria’s independence,” he said.

“It is a unique privilege which I shall remember forever, and it gives me strength and courage as I dedicate my life to the service of our country,” he added.

Shortly after witnessing the historic event, Mr Kamanu received a scholarship to study at an American university. Throughout the journey by sea, he was fed little else but macaroni and cheese, hence his subsequent lifelong abhorrence of the meal.
‘Full splendour’

Once in the US, he boasted to his classmates about the future of Nigeria, Africa’s most populous state.

“Nigeria is going to be a world power in the next few years,” he said. “Oh, you just wait and see.”

Mr Kamanu was certain that, with the coloniser gone and with the advent of self-rule, Nigeria would soon bound forth like a racehorse released from its stall.

That same year, a total of 17 African states celebrated their independence from the UK, France and Belgium.

I understand that a cartoon at the time depicted the map of Africa as a growing giant bursting out of its chains.

Nigeria: Key facts

*1960: Independence from Britain
*1966: Prime Minister Tafawa Balewa (above, right) killed in a coup
*1967: Civil war breaks out over secessionist attempt in south-east
*1999: Military government hands over power after elections
*2009: Militant Islamist group Boko Haram launches insurgency in north-east
*2015: Muhammadu Buhari wins presidential election; first opposition candidate to do so

Clearly, Mr Kamanu was not the only one with high hopes. Others also expected that a continent, blessed with natural resources and hard-working people, would arise in her full splendour and shine.

About 40 years after independence, Mr Kamanu travelled from Nigeria to attend his college reunion in the US. His classmates remembered how loudly he had boasted.

“I thought you said Nigeria was going to be a world power?” they asked, giggling and nudging one another. “So, Onye, what happened?”

A lot happened.

Within six years of his emotional speech, Mr Balewa was assassinated in a coup.

About a year later, Nigeria plunged into a civil war after member of the Igbo ethnic group tried to secede and form the breakaway state of Biafra in the south-east.

Three years of war eventually ended and three decades of coups and dictatorships followed.

Human rights abuses and pillaging of the nation’s vast resources by those in power carried on with little restraint.

Nigeria finally found her way back on to her feet with the return to democracy in 1999.

The giant of Africa leaped several steps forward in March 2015 when the government of Goodluck Jonathan was voted out, the will of the people prevailing, for the first time, over the power of an incumbent.

That historic election of President Muhammadu Buhari led many Nigerians to be as optimistic as Mr Kamanu was in 1960 about the country’s future.

But barely two years later, some of the forces that derailed Nigeria then are once again flashing their sharp talons.

Particularly alarming are the ethnic agitations sounding from almost all parts of the country, especially from the south-east where clashes between the military and the separatist group, the Independent Peoples of Biafra (Ipob), have led to the loss of life and property.

In the media and in daily conversation, Nigerians continue to express their fears about how much more ferocious the crisis could become if not handled with immense care.

This is one déjà vu that Nigeria cannot afford. The giant of Africa has marched too far to be suddenly crippled by the same old mistakes.

As my country celebrates her 57th year of independence, my prayer is that the Nigerian government will handle these agitations with compassion and great wisdom.

Surely none of us wants to look back at this era of hope and struggle to answer the question: “What happened?”

© 2017, Sunday Emmanuel. All rights reserved.

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Cameroon bans pro-independence rallies in Anglophone area



Cameroon has banned public meetings and travel in a mainly English-speaking region ahead of a protest to demand independence for the area.

The South-West region’s border with Nigeria has also been shut to block “infiltration” by people threatening Cameroon’s unity, officials said.

Pro-independence marches have been planned for Sunday, the 56th anniversary of Cameroon’s unification.

English speakers accuse the Francophone majority of discrimination.

They say they are often excluded from top civil service jobs, and that the French language and legal system have been imposed on them.

The government denies the allegations and insists that it treats all citizens equally.

The divisions in the central African state date back to the post-colonial settlement.

Cameroon was colonised by Germany and then split into British and French areas after World War One.

Following a referendum, British-run Southern Cameroons joined the French-speaking Republic of Cameroon in 1961.

It is now divided into the South-West and North-West regions.

Demands for independence have grown in the two regions in recent years and tension has been escalating ahead of Sunday’s planned protests, reports the BBC’s Randy Joe Sa’ah from the capital, Yaoundé.

The South-West region’s governor, Bernard Okalia Bilai, has called protest organisers “dogs”, and has warned them that they will be met by troops if they take to the streets on Sunday, our correspondent adds.

At least six protesters were killed and dozens arrested during protests earlier this year. Access to the internet in the Anglophone regions was also blocked from January to April.

Announcing the new security measures, Mr Bilai said there would be a ban on gatherings of more than four people, and travel between towns, from 20:00 GMT on Friday until 08:00 GMT on Monday.

The region’s border with Nigeria would also be closed during this time “following persistent threats of destabilisation” by individuals based outside Cameroon, he added.

In a statement on Thursday, the UN said Secretary-General António Guterres was concerned about tensions ahead of Sunday’s protests.

He urged Cameroon’s government to address the grievances of its Anglophone population, and to take steps to promote national reconciliation, it said.

“The Secretary-General supports upholding the unity and territorial integrity of Cameroon and urges all parties to refrain from acts that could lead to an escalation of tension and violence,” the statement added


© 2017, Sunday Emmanuel. All rights reserved.

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When does cultural borrowing turn into cultural appropriation?



Blankets from Lesotho are at the centre of controversy in the fashion world, with some arguing that powerful people are appropriating them for their own benefit. BBC Africa’s Mayeni Jones reports from Cape Town.

At a home in a quiet suburb of Cape Town city, fashion designer Thabo Makhetha shows me her latest collection.

Originally from Lesotho, she uses traditional blankets from the small landlocked country to make modern garments, including trendy capes, coats, trousers and skirts.

The blankets are known as Basotho blankets, after the people of Lesotho.

Made from thick wool, their intricate and colourful patterns each tell a different story of the Basotho people’s history. They wear them as shawls at special events and give them as gifts.

Ms Makhetha was inspired to use these blankets and turn them into modern creations six years ago, after she decided to design a coat for herself to wear at the Durban July, the main horse-racing event in South Africa.

Her attire was very well received. She got so many compliments that she decided to create her own fashion line.

The popularity of the coat also made her question why the traditional African fabric was often absent from day-to-day modern life.

“I started to ask myself, why is it that when we leave home and we move into the cities we tend to leave our culture behind?” Ms Makhetha told me.

Louis Vuitton controversy

She decided to make clothes that would allow people to wear the Basotho blanket in the corporate world, and at formal functions and family events.

Ms Makhetha is not the only one to have seen the fashion potential in the Basotho blankets.

In 2012, French luxury fashion brand Louis Vuitton released a menswear design for its autumn/winter collection featuring large scarves inspired by the Basotho patterns.

And this year, the brand released a menswear collection called “Basotho Plaid”. The line includes shirts with Basotho-style prints. A men’s silk shirt is priced at more than $2,400 (£1,790).

However, the designs caused an outcry, with many criticising them as mere copies. Nevertheless, the collection rapidly sold out in South Africa.

Ms Makhetha told me it would have been better had Louis Vuitton collaborated with the Basotho people when developing its collections.

“We’ve seen this happen a lot of times where big fashion brands take cultural items and turn them into fashion pieces without really talking to the people whose culture they’re using, or incorporating them in it, and I think that needs to change.”

Many of those who are opposed to cultural appropriation say the main problem is that the originators of the designs often do not get credit or financial remuneration for their creations.

However, others point out that many artefacts we think of as being African may have in fact originated from other parts of the world.

‘Homage to an ancient kingdom’

Dutch wax fabrics worn across West and Central Africa originally come from the Netherlands and were initially intended for the Indonesian market.

University of Cape Town academic Adam Haupt says that as language and culture are hybrids, often built with many different influences, it becomes impossible to categorically claim that something is “originally” African or European.

In his view, it is much more useful to look at the issue from the perspective of global power relations, especially “between people who colonised the global South and people who are economically and politically dispossessed and marginalised”.

According to this view, companies like Louis Vuitton, or British artists like Damien Hirst, who was criticised earlier this year for exhibiting a golden sculpted head which bore a striking resemblance to a 14th Century bust from the ancient Ife kingdom in Nigeria, reflect the history of cultural looting.

“It’s easy to say let’s just get over the past,” says Cape Town artist and photographer, Thania Peterson, “but we can’t because the past, and how we feel. is so deeply ingrained in us… So when we see Damien Hirst, a British artist, using African art in his work, what he represents to us is a nation and an empire that has only taken.”

But, in a statement by his spokesperson, Hirst said he was very clear about his sources and was in fact paying homage to the Kingdom of Ife.

Many artists and designers argue that in a globalised world, being inspired by a different culture does not necessarily equate to exploiting it.

‘Taking control’

Thai fashion designer Chu Suwannapha has lived in South Africa for 15 years. His bright designs, using a variety of African fabrics. have earned him the nickname “King of prints”.

He says he is constantly inspired by the boldness and beauty of African culture, but that he is always respectful in the way he uses his sources of inspiration.

“Louis Vuitton made a shirt, they only used the Basotho blankets as inspiration. I don’t think their intentions were bad. Those prints are Louis Vuitton’s creation, they were inspired by the Basotho blankets but they created something different,” he adds.

Some commentators suggest that the solution to protecting artworks may lie in trade-marking them.

But intellectual property expert Caroline Ncube warns this may not be easy.

“The law, as we know it, is conceptualised from a certain viewpoint. It’s a global North viewpoint. It’s about individual ownership of things and that doesn’t normally fit with the culture that’s being appropriated.

“The culture that is most frequently appropriated is traditional indigenous culture, and that doesn’t fit into the neat boxes of intellectual property law. The law doesn’t actually allow us to own cultural heritage,” Ms Ncube says.

Ms Makhetha says that Africans have to take control of how their culture is perceived and used.

“A lot of people, especially in Africa, do not appreciate our own culture. We need to bring the awareness that our culture is valuable. We can modify it. We can add things to it and we can tell the world our own story because people want to hear our story. The world wants to hear our story,” she adds.

© 2017, Sunday Emmanuel. All rights reserved.

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“Beautiful Ones (Acoustic)” from Beautiful Ones (Acoustic) – Single by Hurts. Released: 2017. Track 1 of 1. Genre: Pop.