Home Business Pastor sues Menzgold over GHS24K investment

Pastor sues Menzgold over GHS24K investment

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Rev. Joseph Appiah Odei, a pastor and client of Menzgold Ghana Limited, has sued the gold dealership company over its failure to pay him back his principal investment.

Also named as a defendant in the suit dated 5 October 2018, which was filed at the Accra High Court, is the CEO of Menzgold, Nana Appiah Mensah, popularly known as NAM1.

Rev. Odei avers in his suit that on 20 April 2018, he deposited 12 pounds of gold with a value of GHS24, 000.00 for a period of 12 months and paid a non-refundable commission of GHS1,200.00 to Menzgold Ghana Limited.

However, he has not received the 10 per cent profit promised on his investment for some months and has been unable to also retrieve the GHS24, 000 he invested.

The man of God is, therefore, seeking a ruling from the court to order the defendants to pay him the accrued dividend for the months that has not been paid to him, as well as his principal.

Additionally, he is seeking compensation from the company for breach of contract and “general damages for fraudulent misrepresentation”.

Menzgold stops paying extra values

Meanwhile, Menzgold Ghana Limited has said it has stopped the payment of extra values to its clients forthwith, due to restrictions and difficulties it is facing with its bankers, arising from the instructions and actions of certain government institutions.

The embattled company said knowing that the principal concerns of its customers is for the return of their primary value of gold traded with the company, it has agreed to pay and return to every customer the full value of gold traded, in 90 days, commencing from Tuesday, 9 October 2018.

This comes after Menzgold postponed payments of returns on investments made by clients on three different occasions.

In its latest statement, Menzgold said all payments will be made via direct transfer into the accounts of its customers to avoid the rush and overcrowding at its various branches as well as to save time and avoid causing its clients any inconvenience.

Menzgold is battling the Securities and Exchange Commission (SEC) over its operations. The company has dragged SEC and the Bank of Ghana to court to stay away from its business, but the state agencies insist Menzgold does not have the licence to conduct business in the manner they do by paying dividend to clients.

Angry clients demand 50% payment of principal in four weeks

On Wednesday 10 October, some of the aggrieved customers of Menzgold gave the gold-trading firm a four-week ultimatum to pay 50 per cent of their total principal or face their wrath.

According to the angry customers, they will not wait till the 90 days promised by Menzgold for their principal.

At a press conference in Accra, the leader of the disgruntled customers, Kenneth Nimo said the book runners of Menzgold acted irresponsibly when they dragged the Bank of Ghana (BoG) and the Securities Exchange Commission (SEC) to court on the matter.

They want managers of Menzgold to iron out their differences with the central bank and SEC.

Mr Nimo said: “We encourage every client of Menzgold to join our ranks, as a united front is the only way to ensure fruitful closure to our concerns. Menzgold has since the 12 of September relinquished on its obligation towards its customers.

“We wish to state that in spite of the many challenges of the company with regulators in the past month, we have remained calm and confident in their ability to effectively engage with regulators and bring closure to ensure the revival of their operations.

“However, Menzgold, instead of utilising this sterling opportunity provided by SEC and BoG to regularise the activities, has resulted to the law court seeking perpetual injunction against any interference in their operations. We state categorically that that smacks of irresponsibility and insensitivity to the plight of its clients who have stood by them in these hard times”.

According to the angry customers, “In addition to relinquishing its obligation to regularise its operations”, Menzgold “has also dislodged its responsibility to its clients and resulted to impulsion, ridiculous, hardly coherent directives on its powerless clients.

“They have unilaterally scrapped the payment of dividends…

“We wish to employ this medium to reiterate that clients of Menzgold will not be taken for granted; we will commit our energy to the just cause of retrieving the hard-earned investment with Menzgold.

“We encourage Menzgold to engage the two regulatory bodies in a healthy non-combative way in its own interest, as such is the surest way to [ending] the current impasse to ensure confidence in their operations.

“However, should Menzgold continue on it path to war with the said agencies, we don’t have a problem with that; however, if it does so as a corporate body, it cannot hold its clients hostage should they wish to opt out of the scheme.

“We demand that Menzgold kick into action with immediate effect to pay matured investment and terminations if its operations have been dislodged and its clients can expect no extra value. We do not subscribe to the prolong period of 90 days stated in Menzgold’s latest communication, as the company has not adhered to such guidelines in the past period.

“We are even more concerned about the time line strategy, as the company in the past few days rebranded its official vehicles, laid off staff, and is likely to vacate their offices in the coming weeks. We recognise the difficulty Menzgold faces should they attempt to pay all customers at a go.

The aggrieved Menzgold clients say they are giving the company a four-week window within which they expected the firm “to pay 50 per cent of gold traded to all customers and pay the rest of that amount until the 90 days are due.”


Source:  Classfmonline

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Nous présenterons ainsi successivement les conditions liées au soignant (I), les exigences relatives à l’environnement où est réalisée la « roqya » (II). Nous aborderons ensuite la question de la gratuité de la prestation ou de sa contrepartie financière et enfin les conditions dans laquelle elle est réalisée (III). I- Les conditions liées au soignant Souvent la « roqya » est perçue comme une pratique dispensée par un tiers. Or, il est essentiel de rappeler et de souligner un fait important : la meilleure des « roqya » est celle que nous dispensons nous-mêmes à travers le « dhikr » et la récitation du Coran. Ainsi, pour se prémunir des maux liés au mauvais œil ou à la sorcellerie, il convient régulièrement de lire le Coran et faire des invocations notamment celles du matin et du coucher, de réciter régulièrement la sourate « La vache », de renouveler son intention, de placer la certitude dans son cœur, d’effectuer ses prières etc., et surtout de demander à Allah la meilleure des protections. Toutefois, dans certaines conditions, il est nécessaire de recourir à un soignant. C’est à ce stade qu’il convient d’être vigilant. Il ne suffit pas de se rendre auprès d’une personne qui se présente avec la qualité de cheikh ou d’imam pour accepter de lui confier cette pratique. Comme pour tout procédé et encore plus lorsque cela relève de considérations religieuses, il est important de bien choisir son soignant car ce dernier est tenu de posséder des qualités bien affirmées. La maîtrise du Coran et des traditions prophétiques en la matière est une condition sine qua none, mais insuffisante. La personne doit également avoir des notions de psychologie afin de déterminer la part de sorcellerie et celle de troubles psychologiques fréquents chez les patients. La personne doit posséder une bonne hygiène de vie, notamment spirituelle puisqu’il n’est pas inutile de rappeler que le succès de la « roqya » dépend de Dieu. Ces critères sont difficilement évaluables, surtout par une personne qui est affectée par un mal-être, quelle que soit sa source. C’est pourquoi les proches doivent accompagner la personne dans la recherche d’un soignant qualifié et reconnu comme tel par des référents religieux de la localité (imam, responsables associatifs, etc.). De manière générale, le soignant doit posséder des qualités déterminées que nous pouvons synthétiser de la manière suivante. Il doit : être en capacité de lire le Coran, croire avec certitude au Coran, être empreint de piété, connaître les pièges et les caractéristiques du diable et des djinns, connaître la méthode prophétique de la « roqya », disposer de connaissances de base en psychologie, avoir la conviction que le succès de sa thérapie dépend de Dieu. A l’exception de la première exigence, il semble difficile de vérifier les autres conditions dans le cadre d’un entretien téléphonique avec une personne que nous n’avons jamais rencontrée, même si elle se présente sous le titre de « cheikh » ou d’un imam. Par conséquent, ces conditions soulignent une première limite quant au recours à la « roqya » par téléphone. Par ailleurs, à l’instar de tout médecin, le soignant doit, avant de prodiguer des conseils ou une médication, procéder à une consultation. Ainsi, un environnement adéquat est indispensable pour la réalisation d’une « roqya ». Il est enfin inconcevable qu’un médecin puisse vous affirmer par téléphone connaître votre maladie et attester pouvoir vous guérir. Vous auriez plus que des doutes sur ce prétendu médecin. II- Un environnement propice et la réalisation d’une consultation préalable à la réalisation d’une « roqya » Il est intéressant de noter que, dans son ouvrage « Comment se protéger des djinns & satan », Wahîd ‘Abdussalâm Bâli évoque l’importance du climat pour réaliser une roqya[2]. Ainsi, il expose les points suivants : « 1. Préparer le climat adéquat en faisant par exemple sortir les images et les statues de la pièce où on va soigner le malade, pour permettre aux anges d’y entrer. 2. Débarrasser le sujet de tout ce qu’il peut porter sur lui comme talismans ou amulettes et les brûler. 3. Éteindre tout ce qui peut émettre le son de la musique et des chants. 4. Vider le lieu de tout ce qui comporte une infraction à la shari‘a à savoir, par exemple, la présence d’un homme qui porte de l’or ou une femme qui ne porte pas le voile légal – al-hijab. 5. Donner au malade et à sa famille une leçon de dogme de façon à ce que leurs cœurs ne soient pas attachés à un autre qu’Allah. 6. Leur faire savoir que la façon de soigner est différente de celle des sorciers et des charlatans et que le Coran recèle guérison et miséricorde, comme l’a informé Allah le Puissant et le Majestueux. 7. Diagnostiquer son cas : pour cela poser des questions au malade pour s’assurer de la présence de tous les symptômes (…) ». Or, dans les témoignages communiqués, l’interlocuteur qui se présente comme soignant ne pose aucune question aux personnes. Il débute ainsi la « roqya » directement par une récitation du Coran. En outre, il est intéressant de souligner que dans l’un des témoignages communiqués à l’UFCM, l’interlocuteur demandait à la personne de remplir successivement des verres de lait, d’huile, d’eau etc. et de les poser par la suite sur la table de la salle à manger. Au point que la personne s’est retrouvée avec une multitude de verres posés sur la table. Le comble est que la personne ignorait ce qu’elle devait en faire lorsqu’elle a pris conscience de la tromperie. Nous constatons par conséquent qu’une « roqya » ne peut être réalisée dans un environnement quelconque. En effet, une procédure de diagnostic est essentielle. Nous pouvons à titre d’exemple faire le parallèle avec un rendez-vous chez le médecin ; ce dernier ne peut vous prescrire une ordonnance sans au préalable vous avoir ausculté et interrogé sur les différents symptômes que vous ressentez physiquement. A défaut, au lieu de guérir vous allez aggraver vos maux. Cette attitude vigilante du médecin traitant doit se retrouver lorsque nous envisageons le recours à une « roqya ». Pour illustrer ce propos, nous citerons l’exemple de l’anthropologue, spécialiste de l’islam européen, Farid El Asri, chercheur associé au Centre Jacques Berque, qui nous rapporte une situation alarmante suite à une « roqya » : « Une jeune femme en Belgique (…) est morte suite à une tentative d’exorcisme. Pendant les séances, les fkihs (imams) utilisent normalement de l’eau « coranisée ». Pour cette jeune femme, prétendument stérile, les exorcistes ont carrément plongé son visage dans l’eau et quand elle tentait d’en sortir pour respirer, les guérisseurs estimaient qu’il s’agissait du jinn qui l’habitait et ils replongeaient son visage dans l’eau. Pendant le procès, la famille de la défunte s’est présentée comme musulmane et a accusé ces pratiques d’être extérieures à l’islam quand les guérisseurs estimaient qu’ils avaient simplement fait ce qu’ils pouvaient. Le fait de recourir trop systématiquement au fkih risque également de faire passer une crise d’épilepsie, par exemple, pour une crise de possession. »[3] Nous allons aborder enfin la dernière problématique, celle relative aux honoraires du soignant. III- Les honoraires du soignant Le Prophète, bénédictions et salut sur lui, « a agréé les Compagnons qui ont été payés pour la roqya ». Il est dès lors autorisé de rémunérer un soignant en contrepartie d’une prestation. Toutefois, cette rémunération doit être raisonnable et surtout clairement définie avant le traitement. En outre, nous ne pouvons que souligner et rappeler que, si la roqya est réalisée dans un cadre sérieux, il convient de procéder à toutes les déclarations administratives. Comme pour tout contrat, vous devez exiger un document écrit et le praticien doit préciser quels sont ses engagements exacts afin d’éviter tout litige postérieur. Malheureusement, tous les témoignages transmis à l’UFCM soulignent que l’interlocuteur insiste à plusieurs reprises sur la gratuité de la prestation. Or, dans les faits, cette dernière est payante puisque le coût de la communication est surtaxé. Ainsi, l’une des victimes qui nous a contacté, s’est retrouvée avec une facture téléphonique (hors forfait) de 1800 euros. Par conséquent, nous constatons que ces « roqyas » gratuites sont fondées sur la technique dite du « call-back » qui consiste à amener une personne à rappeler un numéro surtaxé, information qui lui est bien évidemment dissimulée. Une « roqya » peut être payante à condition de respecter un cadre prédéterminé, fondé sur l’information et la transparence des honoraires. En conclusion A la lumière des développements susvisés, l’UFCM appelle d’une part à une régulation du métier de la pratique de la « roqya », d’autre part, à la vigilance de chacun à ne pas céder à la tentation d’une « roqya » qui ne serait pas réalisée dans les conditions requises et qui pourrait produire des effets inverses. Au-delà du cadre spirituel ou juridique, les divers témoignages reçus et étudiés par l’UFCM ne peuvent pas nous laisser indifférents à la question suivante : pourquoi des personnes sont-elles amenées à accepter aussi facilement une « roqya » par téléphone ? Est-ce la gratuité qui a déterminé leur choix ? Certes le mal-être produit par cette société est de plus en plus grand. Nous vivons une époque où les êtres sont de plus en plus coupés des signes de Dieu et vivent un rythme de vie effréné. Ces affaires sont révélatrices des maux les plus profonds qui touchent la communauté musulmane. Par ailleurs, comme l’ensemble des rites islamiques (hajj, halal, pompes funèbres) censés nous rappeler les limites qui déterminent la voie vers Dieu, nous constatons que leur marchandisation trahit de plus en plus leur vocation première. Suffit-il qu’un interlocuteur se présente à nous comme un « cheikh » ou un imam et qu’il nous propose une « roqya » gratuite pour l’accepter aussitôt Ne devrions-nous pas tous nous interroger sur le fait qu’il y ait des musulmanes et des musulmans aussi isolés et aussi ignorants de leur propre religion pour être trompés aussi facilement ? Sommes-nous devenus si dépendants des Hommes que nous en oublions de nous adresser directement à Dieu pour solutionner nos malaises ? Autant de questions que chacun d’entre nous a la responsabilité de se poser. En effet, aucun de nous ou de nos proches ne sont à l’abri d’une telle tromperie. Il convient enfin de rappeler que la « roqya » est un remède précis et qu’elle ne peut se faire que sous certaines conditions et surtout qu’elle demeure l’exception à la règle, qui est de toujours s’adresser directement à Dieu. Avant de recourir à une « roqya », il convient de faire une introspection sur ses propres pratiques cultuelles et de revenir.

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