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MAIL TIME : “I Am Interested in Buying a Land in Lagos, What Steps should be taken to protect myself from falling Victim to Land Fraudsters?”

QUESTION

  I AM INTERESTED IN BUYING IN A LAND NOW IN LAGOS, WHAT STEPS SHOULD BE TAKEN TO PROTECT MYSELF FROM FALLING VICTIM TO LAND FRAUDSTERS AND GOVERNMENT REGULATIONS?    

ANSWER

  Follow these simple steps judiciously:   1a. Visit the land personally after you have signified interest to buy the land from the Agent. Never buy a land without viewing it yourself or through your trusted representatives. It’s your land so you must know what you want to buy.   1b. If your abroad make sure it’s someone you trust that has no vested interest in that land that you should send to look at it for you on your behalf.   Try as much as possible to avoid close family members or friends that would still benefit from the transaction in some way such as someone that you would be sending money through his account continuously or someone that would be supplying blocks or could collude with the sellers to make a profit off you.   1c. Also try to make the agent  take pictures of the place or land before you visit the land so that when your back home you can compare and contrast what you have seen  through pictures and what you have seen personally or via pictures .

The Other People have bought Lands here or The Baale is the Owner of the Land so no Wahala Land Scams

"The Above Picture is an Omonile lying through his teeth trying to deceive us that he is the Baale of that Eleko Community and all the lands there were under his care. He showed us a forged Baale i.d card,Community receipts, royal stamps and a Copy of the Eleko Village  Survey Plan  and Gazette.

 

He even took us to a small palace and convinced us to pay to him. Upon strenuous investigation, we found out that he was a Vulcanizer and not even from that community! Abeg Shine your eyes ooo"

    How many of you that have either bought lands or intending to buy lands have heard this famous Omonile or Agent soundbite ‘ A LOT OF BIG PEOPLE HAVE BOUGHT LAND HERE’ or ‘ SO MANY BIG GOVERNMENT OFFICIALS HAVE THEIR LANDS HERE’ or ‘ SHELL OR MTN COOPERATIVE HAVE BOUGHT SO MANY HECTARES OF LAND HERE FOR THEIR STAFF etc   Naturally when you hear something like this, you feel very comfortable and you want to buy a land because they tell you that your proposed neighbor is a staff of chevron or probably the special adviser to the commissioner has 3 lands here or has built his house there and has perfected his papers, but there is a problem with this statement!   How come they haven’t shown you any of the so called big men that bought lands there or contacted with you with Etisalat Cooperative head that bought the so called lands for their staffs or shown you the documents that the Government Official that bought lands there has perfected?   ( All na story story to coerce you to pay for the land without due diligence)

Do You Recognize the 8 Early Warning Signs of Buying a Defective and Problematic Land?

I get a lot of emails from prospective buyers asking me how to avoid buying defective lands from Omoniles in Lagos and Ogun States that they are about to pay for and steps to take to avoid being victims of these Land Swindlers.   Unfortunately, there is no clear cut textbook template on how to prevent land fraudsters from duping you because each land transaction has its own peculiar issue that must be studied dutifully with rapt attention to avoid being scammed.   So pay attention to these 8 quick hidden signs that a prospective buyer must pay special interest to before you buy a defective or problematic land in Lagos or Ogun State.      

8 early warning signs of defective lands

  1. Watch out for that Seller who wants to sell you a land but it has no previous original documents to show u to prove how he purchased the land from the Former owner.   Such a Seller will continue to bring up excuses with regards to how he misplaced the documents and how he has nothing else to give you except photocopies of one survey plan that is barely visible.

Beware of Buying Land in this Area! Case Study #1: OKUN AJAH

Okun Ajah used to be one of my favourite areas in Lagos for Investors to buy lands because of its whispering palms and beautiful beach view.   It is surrounded by some upcoming estates, Abraham Adesanya estate and Lekki Scheme 2 as its illustrious neighbours but it has of late become a hot bed of loads of land scams of unbelievable proportions. The Omoniles there are shamelessly re-selling people's lands without any fear or remorse.   If they see that you own a land there and you haven't developed it within 1 month or more, they would immediately auction your land to the highest bidder. The number of law suits in that area is so bewildering these days that its so mind boggling to comprehend.   They forge signatures, collude with the different families to resell people's land and extort exorbitant Signing fees from potential buyers who have no idea that they are buying other people's lands.   To make matters worse, they resell every part of Okun Ajah despite the fact that they are not suppose to sell lands that are 80 meters close to the beach because it falls under the Ministry of Water Infrastructure and Tourism Ministry.   They simply don't care. Most of the lands don't even have a proper lay out and you see the omoniles just pointing to lands that do not belong to them as lands that their families own despite the fact that it has a global C of O.   The worst one is that some of these lands sit on the  proposed coastal road coming all the way from the East to lagos and these land fraudsters knowingly sell these lands to unsuspecting buyers who are not aware of this ticking time bomb.   They collude with dubious Surveyors and Agents to help them sell these bad lands and once you discover the malaise, you can never recover your money from themexcept you take them to court.  
Okun Ajah Omoniles Patroling the area to see which land they can pass off as their on to resell to unsuspecting Buyers

Okun Ajah Omoniles Patroling the area to see which land they can pass off as their on to resell to unsuspecting Buyers

 

MORE MAIL: I am Interested in Buying a Land but i have been told that the Owner of the Land isnt Around and is based Abroad. Do i still Proceed with the Transaction without meeting him?

ANSWER

  To be honest this is a very tricky question but from my experience I would say NO. Because we live in a society where land fraud is very prevalent. It’s even more difficult to proceed with a land investigation when the Owner isn’t available talk less of paying money to someone you cannot ascertain.  

Follow these steps...

But if you are still determined to still go ahead with the transaction make sure you follow these tips so you won’t be defrauded:   A. Continue to pester the agent or the seller why can't he come over to conclude a transaction? If he is receiving close to N2Million or more and his plane ticket isn’t more than N250,000, why can’t he come down to Nigeria for a day or 2 to identify himself and pick up his check?

4 Types of Deadly Land Taxes that Could Bankrupt you if your not Aware of them before you buy land

Do you know there are so many hidden Charges and taxes that you must pay when buying  a land that could bankrupt you easily if your not careful?   These taxes hide in plain sight and it is until you want to perfect your papers it will rear its ugly head. I have compiled a list of  4 Problematic fees that your not aware of and the earlier you start taking cognizance of it, the better:    

4 Problematic fees that your not aware of

  1. Everybody wants to buy a land with a C of O but do you know that every owner of a C of O must pay a yearly fee per annum to the government for occupying that land. This fee is know as a GROUND RENT and it has a certain fee that holder must pay.   For every year the person defaults in paying that GROUND RENT, the person incurs a penalty. But because of our very lax tax system, the holders of that C of O rarely pay that amount and in most situation, they are totally ignorant of the fees they are to pay.   The problem now arises when a new buyer is interested in buying that Land with a C of O. If you don't do a comprehensive check on that C of O, you will never know that your about to INHERIT SOMEONE ELSE'S DEBTS at once.   The Land registry Tax department will compute the Ground rent from inception that the C of O was obtained, compute the penalties , value it at today's inflationary rates and give it to you before you can process your Governors Consent.   That is why the cost of Governor's consent is so high in some people's case because they don't know that they are carrying the load and problems of other people's taxes as their own burden.

Governor’s Consent finally explained in a Simple manner and Why you must register a Governor’s consent

So many Academicians, Lawyers and Intellectuals have tried to define what a Governor’s Consent is and they end up confusing simple minded men like me with their Big Big Grammar, so am going to attempt to do the impossible by breaking its meaning down and how it operates under the law.   A simple formula to follow is this. The first person on a Virgin Land that has neither been occupied by another person nor under acquisition by the Government is entitled to get a Certificate of Occupancy on that land.   If that person with the C of O decides to sell his land to another person after so many years, that person must now obtain the Consent of the Governor before that transaction can be deemed legal in the eyes of the Government. If the new buyer now decides to sell the land again to a third owner in future, that Third owner must also obtain a new Consent of the Governor before that transaction can be deemed legal in the eyes of the Government and the process continues every time the property changes hands to a new buyer.   In other words, the first person on a land is the only person or group of persons entitled to obtain a Certificate of Occupancy. Every subsequent buyer of that land must get a Governor’s consent. There can only be one (1) Owner of the Certificate of Occupancy on that Land and it will not be replicated for another person once the land has been sold or transferred to another person.   The powers of the Governor to Consent to such transactions can be found in Section 22. Of the LAND USE ACT 1978 as amended which states thus:  “It shall not be lawful for the holder of a statutory right of occupancy granted by the  Governor to alienate his right of occupancy or any part thereof by assignment, mortgage, transfer of possession, sublease or otherwise howsoever without the consent of the Governor first had and obtained”   With this power, the Governor has the right to grant consent to any transaction which it thinks has not contravened any Law of the land and if the consent has been obtained fraudulently, the Governor is entitled to revoke such consent immediately.   It is very important for a purchaser of land to perfect his or her document by obtaining a Governors consent so as to have a complete rest of mind. Although its good to buy a land that already has a Global C of O or the Land has a Gazette, it still doesn’t give you the full satisfaction that you own the land without any form of fear or intrusion by the Omoniles. Your documents have not been perfected and the consent of the Governor to that transaction has not been obtained.   It’s because of this situation whereby the Omoniles know that purchasers of land do not want to spend money to get their Governors Consent that they will begin to resell people’s lands to multiple buyers because they know it’s only the purchaser that perfects his title by obtaining the Governors consent that can lay claim to that land validly in the eyes of the law.   That’s why I encourage people who buy lands to immediately start the process of obtaining Governors consent after they have bought a land and a Deed of Assignment has been drawn up. Delay has been shown to be very fatal and we should learn from the past experiences of others who have fallen victim to this situation.    

Disadvantages and Problems of Getting a Governors Consent

Obtaining a Governors Consent from the Land Bureau isn’t the easiest thing to get quickly despite the importance attached to it and urgency needed to secure a land from Omoniles.   On the Government website, it is stated that a Governors Consent can be obtained in 30 days but that has proven to be very untrue due to unscrupulous civil servants who would do everything to frustrate the process of obtaining the document without giving them huge kickbacks.   A Governors consent that should cost N200,000 naturally could end up costing N600,000 Due to kickbacks, Egunje, Bribes, P.R etc and that 30 days could translate to 6months or a Year depending on how you sort your P.R well.   All in all, a Governors Consent is a very good document to obtain and I advise you to get it so as to free yourself from Omoniles 100%. An advantage of having a Governor’s consent is that you can transfer your land to another person without going to the Omoniles or Family Baale to sign your deed and Form 1c which are compulsory requirements needed before you can process a Governors consent.   The Omoniles pray seriously for the Owner not to have a Governors consent so that they can make a lot of money running into their Thousands when ever the Owner require the signatures of the family to start the Governors consent.   It’s even very tough now for Land Buyers because a major requirement by the government now is that you must Obtain a Governors consent before you obtain a building plan approval. If it takes 6months to a year before they get their Consent. When will the person now get his approval?   Stepping aside the criticism of those in charge of processing the C of O, You should try as much as possible to get a Governors Consent for all your genuine lands so as to eliminate Omoniles completely and live a straight forward life devoid of Omonile wahala.    

The Features of Governors Consent must contain the Following

  1. The Form 1c must be signed by the Omonile traditional Family that has either a Gazette or Global C/O or in the case of an Individual that has a private C of O granted to him by the Governor
This Form 1 C is a prelude to registering a Governors Consent. It must be signed in the prescence of a Lawyer so as to guide both you and the seller unless any slightest error on the form will be queried

This Form 1 C is a prelude to registering a Governors Consent. It must be signed in the prescence of a Lawyer so as to guide both you and the seller unless any slightest error on the form will be queried

    2. A Deed of Assignment must be prepared by the Buyers lawyer who must include the parties to the transaction, the cost of the land, size of the land description of the land, the copy of the survey attached to it and signature of all the parties and witnesses to the transaction.

5 Very Expensive and Costly Land Purchase Mistakes in Lagos To Avoid

Almost every day, it seems I am sorting out one Omonile Land purchase problem gone badly. From investigating the true Owner(s) of the alleged land down to verifying the authenticity of the documents presented by the seller, taking matters into your own hands  can sometimes result in disasters financially or you the seller getting duped because you are too ignorant on how to spot Red Flags that should make you abandon that transaction.

 

To this end I have listed my 5 tips on 5 Costly Land Purchase Mistakes You are making that would lead to you getting Defrauded.

 

1.  ONCE YOU BUY THE LAND YOU MUST FENCE IT “NOW NOW” SYNDROME

 

Once the Seller of a Land begins to sing into your ears that the moment you purchase the land, you must start fencing it immediately, know that you’re probably about to buy a stolen land that belongs to someone else.

 

Why would he be so frightened to sell a land that he claims belongs to him and still push you to fence it immediately so that other land speculators or Omoniles would not encroach on it?

Omonile Lawyer Land Search Report Diary- OKUN ISE VILLAGE IBEJU LEKKI-Beware of this Area! It Belongs to the Government

Welcome to another Omonile Lawyer Land Verification Journal where we take you through all the Ups and Downs involved in carrying out a Detailed Land Search till we come to a final result for the Client.   This week we are beaming our search light on OKUN ISE VILLAGE IBEJU-LEKKI LOCAL GOVERNMENT LAGOS. We Hope it persuades you to appreciate the pains and lengths we go in confirming the validity of a property and why it should give you the confidence to contract us to carry out a proper search before you throw away your hard earned money.    

Preamble

  A Client who is based in the United Kingdom Contracted Omonile Lawyer to carry out a search on a Land he was interested in Buying that was promoted to him by one of those Real Estate Installment payment Firms on the Internet.   At first we refused to carry out the search because we hardly encourage people to buy lands without viewing it first to see whether it is a land that they are comfortable with and has the necessary amenities that they crave for before they purchase it.   But he was adamant that we should do the search on his behalf because the Real Estate Developers had fueled his interest in the property with their aggressive marketing and promises. He was told that the land was close to the proposed Free trade Zone and he was buying into the future at a reduced cost.   We got in touch with the Sellers and asked them about their title and we were told that they were processing their C of O and it was almost out. We asked them how they procured the land and we were told that they bought it from one of the Families in that community and they have the receipts to prove it.   We asked them about the Layout of the Lands they own but they said their surveyor was working on it but if Our Client Pays he would be given his Plot immediately and the Surveyor would do his survey for him instantly. We told them to take us to the land to take the coordinates but they were reluctant to do so but chose to give us the Survey plan of the Whole area that they intended to sell.   When we charted the Coordinates of the their Survey plan, it showed the Land was free from Acquisition and was a good land that could be purchased. When we now asked them to take us to the specific land that our client wanted to buy, they said they won't take us there till they see money and interest from Our Client before they can show us the land.   We were visibly upset but devised another scheme to make them take us to the land. I quickly organized a Lawyer in my office to pretend as if he was the buyer and issued them a check that was to clear in 3 days but they were to show us the land in exchange for the Check.   They now took us  to one Village called Okun Ise and  pointed to a vast portion of land as the Lands their Company Acquired that they were processing the C of O. We wanted to come down from the car to see the lands properly but they rejected our proposition and said once the Money clears we could inspect it properly.   2 Days later unknown to the Sellers, we secretly traced the Land and our surveyor went round to take coordinates of the area and pictures and below is the search Report obtained from the Land:  
The Land at Okun Ise that was being promoted by the Real Estate Company is a Land that is Presently Under Lekki Acquistion contrary to what the Agents where saying that they were processing the C of O for this Land.

The Land at Okun Ise that was being promoted by the Real Estate Company is a Land that is Presently Under Lekki Acquisition contrary to what the Agents where saying that they were processing the C of O for this Land.

  To make matters worse when we decided to explore further the whole environment and not too far from the place the Agents showed us, we saw the following sign boards hidden in one corner:

Why i would Never Endorse Instalment Payment for An Omonile Owned Land! God Forbid!!!

I always ask myself this question, "What document or title do you get after you pay part payment for a land especially an Omonile owned land that the Omonile has probably sold to 3 or 4 people?"   Before you say you don’t have money and would like to buy an Omonile land in installments because it will suit your finances, think of the following questions I have posed below and if your still convinced that you foresee no problems arising, then I wish you the very best of luck dealing with an Omonile Seller of Land and paying him your Life savings in Installments.    

General Land Instalment Payment  WAEC Questions you Should please Answer for me!