Category: Consumer Protection
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Can an Estate Residents’ Association or its Security Service Provider Be Liable for a Burglary in the Estate? A Review of the High Court’s Decision in Obioha v. The Registered Trustees of Osborne Estate Property Owners & Residents Association, Lagos & Anor (Judgment delivered on 4 May 2026 by Hon. Justice K.A. Ajose (Mrs))
Introduction The increasing popularity of gated estates in Nigeria is largely driven by the prospect of enhanced security for residents and their properties. Many residents accordingly rely heavily on their residents’ associations, and on the security personnel that those associations engage to maintain effective access control and safeguard lives and valuables within such estates. Recent…
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Can a Bank Place a Restriction on a Customer’s Bank Account Based on a Law Enforcement Agency’s Directive and without Securing a Court Order? A Review of the Court of Appeal’s Decision in FBN Plc & Anor v DKN Investment Ltd. & Anor (2025) LPELR-80878(CA)
Introduction: It has become a notorious practice among banks in Nigeria to place Post-No-Debit (PND) orders on their customers’ accounts upon receiving directives from law enforcement agencies, such as the Nigeria Police Force, the Economic and Financial Crimes Commission (EFCC), or the Independent Corrupt Practices and Other Related Offences Commission (ICPC). These directives are often…
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A Data Privacy Breach is Now Enforceable as a Constitutional Right: An Analysis of the High Court of Lagos State’s Judgment in Bonje v Guaranty Trust Bank Plc, Suit No: LD/18950MFHR/2024 (Unreported)
Introduction Following the gains made by the Nigeria Data Protection Regulation 2019 towards creating an enforceable legal framework for the protection of data privacy rights in Nigeria, the Nigerian Legislature enacted the Nigeria Data Protection Act 2023. The Nigeria Data Protection Act 2023 (subsequently referred to as the “NDPA 2023” or “the Act”) strengthens privacy…
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ENFORCEMENT OF CONSUMER RIGHTS IN NIGERIA: KEY LESSONS FROM THE SUPREME COURT’S DECISION IN ANENE V. MTN(NIG.) COMMUNICATIONS PLC [2025] 16 NWLR (PT. 2010) 1
Introduction For many years, Nigerian consumers have endured persistent, often frustrating experiences with some telecommunications service providers. Among the most common complaints are unauthorised airtime deductions, unsolicited value-added services, and unfair billing practices that steadily erode consumers’ confidence in the telecom sector. In a significant reaffirmation of consumer protection principles, the Supreme Court of Nigeria…