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Due Diligence: How to Handle Property Disputes in Lagos by Dennis Isong

Whether you’re a first-time buyer, a seasoned investor, or someone who inherited a family property, the nightmare of a property dispute can feel like a dark cloud hanging over your head.

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Lagos, the bustling heart of Nigeria, is a city of dreams, opportunities, and, unfortunately, property disputes.

If you’ve ever found yourself caught in the web of a property dispute in Lagos, you know how emotionally draining and financially crippling it can be.

The city’s real estate market is booming, but with that growth comes a surge in conflicts over land, buildings, and ownership rights.

Whether you’re a first-time buyer, a seasoned investor, or someone who inherited a family property, the nightmare of a property dispute can feel like a dark cloud hanging over your head.

But here’s the thing: with the right knowledge and approach, you can navigate these murky waters and come out on top. Let’s talk about how.

The Emotional Toll of Property Disputes

Imagine this: You’ve saved for years, maybe even decades, to buy a piece of land or a house in Lagos.

You’ve dreamed of building a home for your family or starting a business on that property. Then, out of nowhere, someone claims the land is theirs. Or perhaps you inherited a property from your parents, only to discover that distant relatives or even strangers are contesting your ownership.

The frustration, anger, and helplessness can be overwhelming.

  Property disputes are not just about money or assets; they’re about your dreams, your security, and your peace of mind. In Lagos, where land is gold and space is limited, these disputes are all too common.

But why?

The answer lies in the complex nature of land ownership, poor documentation, and sometimes, outright fraud.  

Why Property Disputes Happen in Lagos  

1. Multiple Sales of the Same Property: This is one of the most common issues. Unscrupulous sellers or agents sell the same piece of land to multiple buyers. By the time you realize what’s happened, you’re already in a legal battle.

  2. Inheritance Conflicts: Family disputes over inherited property are rampant. Siblings, cousins, and even distant relatives may lay claim to a property, leading to prolonged court cases.

  3. Boundary Disputes: Lagos is densely populated, and boundaries between properties are often unclear. Disputes arise when neighbors encroach on each other’s land, intentionally or unintentionally.

  4. Fraudulent Documents: Fake land titles, forged signatures, and doctored documents are tools used by fraudsters to swindle unsuspecting buyers.  

5. Government Acquisition: Sometimes, the government acquires land for public use, but the information doesn’t reach the rightful owners, leading to confusion and disputes.  

How to Protect Yourself: Due Diligence is Key  

The best way to avoid property disputes is to do your due diligence before buying or inheriting any property. Due diligence is not just a fancy term; it’s your shield against fraud and conflict.

Here’s how to do it:  

1. Verify the Seller’s Identity: Ensure the person selling the property is the rightful owner. Ask for valid identification and cross-check with the land registry.  

2. Check the Land Title:

In Lagos, the most secure form of land ownership is a Certificate of Occupancy (C of O) issued by the government. If the property doesn’t have one, tread carefully. You can also check for a Governor’s Consent, which is required for the transfer of ownership.  

3. Conduct a Search at the Land Registry:

This is crucial. A search will reveal the true owner of the property, any existing encumbrances, or pending litigation. Don’t skip this step, no matter how trustworthy the seller seems.  

4. Inspect the Property Physically:

Visit the property and inspect it thoroughly. Look for signs of occupation, boundary marks, and any red flags. Talk to neighbors; they often have valuable information about the property’s history.  .

5. Hire a Lawyer: A real estate lawyer can guide you through the process, review documents, and ensure everything is in order. Yes, it’s an extra cost, but it’s worth every penny to avoid future headaches.  

What to Do If You’re Already in a Dispute If you’re already caught in a property dispute, don’t panic. While the process can be stressful, there are steps you can take to resolve the issue:  

1. Gather Your Documents: Collect all relevant documents, including your deed of assignment, receipts, and any correspondence with the seller or other parties. These will serve as evidence in your favor.

  2. Engage a Competent Lawyer: A good lawyer is your best ally in a property dispute. They can help you understand your rights, file the necessary legal actions, and represent you in court if needed.  

3. Explore Alternative Dispute Resolution (ADR): Court cases can drag on for years, draining your time and resources. Consider mediation or arbitration as a faster and less expensive way to resolve the dispute.  

4. Stay Calm and Patient: Property disputes can be emotionally charged, but losing your temper won’t help.

Stay focused, follow your lawyer’s advice, and be patient. Justice may take time, but it’s worth fighting for.

  Real-Life Stories: Lessons from the Trenches   Let me share a story that hits close to home.

A friend of mine, let’s call her Ada, bought a piece of land in Lekki, one of Lagos’ most sought-after areas. She did everything right—or so she thought.

She verified the seller’s identity, checked the documents, and even paid for a survey plan. But a year later, while preparing to start construction, she was served with a court notice. Someone else was claiming ownership of the same land.  

Ada was devastated. She had invested her life savings into that property. After months of legal battles, it turned out that the original seller had sold the land to multiple buyers. Ada eventually won the case, but it cost her time, money, and sleepless nights. Her story is a stark reminder of why due diligence is non-negotiable.  

The Human Side of Property Disputes  

Behind every property dispute is a human story—a family torn apart, a dream deferred, or a life savings lost. It’s easy to get caught up in the legalities and forget the emotional toll these conflicts take.

I’ve seen families stop speaking to each other over inherited property. I’ve met people who lost everything because they trusted the wrong person. And I’ve also seen the relief and joy of those who fought for their rights and won.

  If you’re going through a property dispute, know that you’re not alone. Many have walked this path before you, and many will come after. What matters is how you handle it. Will you let it break you, or will you rise above it?  

Lagos is a city of endless possibilities, but it’s also a city where you need to be vigilant. Property disputes can happen to anyone, but with due diligence, you can minimize the risks.

If you’re buying property, take your time, do your research, and seek professional help. If you’re already in a dispute, don’t lose hope.

Fight for what’s rightfully yours, but do it wisely.   Remember, your property is more than just an asset; it’s a part of your story, your legacy, and your future.

Protect it with everything you’ve got. And if you ever feel overwhelmed, take a deep breath and remind yourself why you started this journey in the first place. Your dreams are worth fighting for.  

So, the next time you hear about a property dispute in Lagos, don’t just see it as a news headline.

See it as a cautionary tale, a call to action, and a reminder that in this city, due diligence isn’t just an option—it’s a necessity.

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Business

BPE to list 2 DisCos, 1 GenCo on NGX

Gbeleyi, however, declined to reveal the identities of the companies set to be listed, stressing that such information was bound by corporate confidentiality.

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•Director-General of BPE, Ayodeji Gbeleyi

The Bureau of Public Enterprises (BPE) says it has concluded plans to list two electricity Distribution Companies (DisCos) and one Generation Company on the Nigerian Exchange (NGX) through an Initial Public Offering.

The Director-General of BPE, Ayodeji Gbeleyi, disclosed this in a statement, explained that the move is part of the federal government’s broader strategy to deepen private sector participation in the power sector and attract long-term investment that would boost efficiency and service delivery.

He said that the federal government has 40% shares in the DisCOs which were recently transferred to the Ministry of Finance Incorporated (MOFI).

The DisCos are Abuja, Benin, Eko, Enugu, Ibadan, Ikeja, Jos, Kaduna, Kano, Port Harcourt, and Yola electricity distribution companies.

They have been recently burdened by huge debts owed to the federal government.

Gbeleyi, however, declined to reveal the identities of the companies set to be listed, stressing that such information was bound by corporate confidentiality

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Aviation Fraud: NCAA Calls for EFCC Intervention

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The Nigerian Civil Aviation Authority (NCAA) has urged the Economic and Financial Crimes Commission (EFCC) to escalate its fight against fraud and economic crimes plaguing the aviation industry.

NCAA Director General, Captain Chris Najomo, made the appeal during a courtesy visit to EFCC Chairman, Mr. Ola Olukoyede, at the commission’s Abuja headquarters on Tuesday, according to a statement released on the EFCC’s official X handle.

Najomo highlighted how fraudulent activities are severely undermining safety oversight and operational transparency within the sector. He specifically pointed to high-value transactions like aircraft purchases, leasing arrangements, foreign maintenance contracts, and safety infrastructure procurement as areas particularly vulnerable to abuse.

“Non-remittance weakens the NCAA’s ability to fund safety oversight and operational efficiency, and may require EFCC’s intervention to investigate cases where deliberate withholding, diversion, or misappropriation of these funds is suspected,” Najomo stated.

He further alleged that some aviation operators deliberately under-report revenues, manipulate ticketing systems, or divert funds, actions that cripple the NCAA’s regulatory capacity.

Najomo also raised concerns about illegal charter operations disguised as private flights, which involve unregulated financial flows, emphasizing the critical need for the EFCC’s financial intelligence expertise to uncover such practices.

To address these challenges, Najomo proposed collaborative initiatives, including training NCAA personnel to identify financial red flags, organizing joint sensitization workshops, and establishing robust intelligence-sharing mechanisms to enhance regulatory oversight.

Responding, EFCC Chairman Ola Olukoyede welcomed the partnership and announced that senior EFCC officers would collaborate with the NCAA to finalize a Memorandum of Understanding (MoU).

The agreement will focus on joint investigations, intelligence exchange, and compliance monitoring. “With the kind of work you do, when people see us beside you, they will take you seriously. Aviation is an area where we have seen money laundering, particularly through chartered services.

That is why we have been reaching out to you, and we will continue until we achieve the desired results,” Olukoyede affirmed.

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Business

CBN approves Union Bank, Titan merger

The bank has assured customers that there will be no disruption to existing services, account details will remain unchanged, and customers will continue to access a full suite of products and services seamlessly.

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The Central Bank of Nigeria has approved the merger of Union Bank of Nigeria with Titan Trust Bank Limited,.

This is disclosed in a statement from the bank’s Chief Brand and Marketing Officer, Olufunmilayo Aluko.

Under the terms of the merger, Union Bank has fully absorbed Titan Trust Bank’s operations and assets.

The new institution will continue to operate under the Union Bank brand, while Titan Trust Bank ceases to exist as a separate entity.

With an expanded footprint of over 293 service centres and 937 ATMs nationwide, supported by strengthened digital channels, Union Bank is poised to deliver enhanced value across retail, SME and corporate segments.

Union Bank’s Managing Director and Chief Executive Officer, Yetunde Oni, described the development as “a pivotal moment in our 108-year journey and a launchpad for delivering greater value to our customers.

By blending stability with innovation, we are better positioned to meet the evolving needs of Nigerians and to be their most trusted financial partner.”

The Chairman of the Board of Directors, Bayo Adeleke, added: “This is a new era of growth, collaboration, and shared prosperity. By bringing together the strengths of both institutions, we are committed to creating lasting value for our customers, shareholders, and communities while advancing Nigeria’s financial inclusion agenda.”

The bank has assured customers that there will be no disruption to existing services, account details will remain unchanged, and customers will continue to access a full suite of products and services seamlessly, with an accelerated push towards enhanced digital solutions.

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