FOUNTAIN FOUR LTD
Forensic Specialist
Forensic Auditor
Recovery Experts

Recovery
Specialists

We Assist Businesses and Individuals Recover Excess Bank Charges.

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Over 15
Years Experience
Over 1250
Corporate Clients
98%
Success Rate
Analysis

Forensic Excellence

Institutional Integrity

Team

Strategic Recovery

Proven Methodology

Forensic

Fiscal Authority

Data-Driven Results

1250+
Corporate Clients
98%
Success Rate
15+
Years Experience

Our Company

Fountain Four Ltd is a financial consulting firm focused on the recovery of excess bank charges and forensic review of banking transactions. The firm assists businesses and individuals in identifying, verifying, and recovering funds lost through incorrect bank charges, misapplied interest rates, and unauthorized deductions.

With a team of experienced professionals in banking, finance, and financial analysis, Fountain Four Ltd applies a structured and data-driven approach to reviewing bank statements, recalculating charges, and ensuring compliance with applicable banking guidelines. The firm engages directly with financial institutions to facilitate the reconciliation and recovery of excess charges in a professional and efficient manner.

FRC Registered
CBN Recognized
Bankers' Committee Certified
Corporate Team

Analysis Framework

Active Audit
Transaction Verification 98%
98% Accurate
Interest Calculation Review 87% Complete
Discrepancy Detection 4,425 Found
82%
Recovery Success Rate
5,421
Files Analyzed
14
Months Reviewed
Commercial Banks • FMCG Multinationals • Oil & Gas Conglomerates • Government Agencies • Manufacturing Leaders • Oil & Gas / Energy Sectors • Manufacturing Industries • Construction Conglomerates • Import/Export Enterprises •
Oil & Gas / Energy Sectors • Manufacturing Industries • Construction Conglomerates • Import/Export Enterprises •
Core Competencies

Our Core Competence is the Recovery of Excess Bank Charges

Transaction Audit

Account Statement Review

Detailed analysis of statement of account.

Interest Rate Review

Verification of interest rates applied against agreed terms and regulatory caps.

Regulatory Deviations

Investigation into charges at variance with CBN regulations and lending policies.

Computation Errors

Identification of system errors in interest computation and underpayment of credit interest.

Foreign Exchange Transactions

Comprehensive analysis identifying wrong exchange rates on foreign transactions and value dated interest costs.

Transaction Dynamics

01

Data Acquisition

Phase 1: Documentation
  • Obtain bank statements
  • Data integrity check
Phase 2: Analysis
  • Document review
  • Identification of excess charges
02

Forensic Reviews

03

Bank Engagement

Phase 3: Investigation
  • Bank reviews
  • Reconciliation with Consultation

Transaction Closure

Phase 4: Conclusion

Following successful refunds to your accounts, we conclude the process with the agreed commission. The recovery journey ends here.

Professional Partnership

No Disruption to Your Business Operations

Our review process is designed to be non-intrusive. We work primarily with your financial records and require minimal involvement from your internal team. This allows your business to continue running smoothly while we handle the entire recovery process.

Strict Confidentiality & Data Protection

We understand the sensitivity of financial information. All client data is handled with the highest level of confidentiality and used strictly for the purpose of analysis and recovery.

Our Commitment

Why Choose Us

Deep Banking & Financial Expertise

Our team is made up of professionals with strong backgrounds in banking, finance, and financial analysis. We understand how banks structure charges, calculate interest, and apply fees across different types of facilities.

Proven Forensic Review Methodology

We apply a structured and detailed forensic review process that covers: Transaction-level analysis, Interest and fee recalculations, Bank tariff compliance checks and Historical account review.

Strong Understanding of Regulatory Framework

We work in line with guidelines issued by the Central Bank of Nigeria and other relevant regulatory bodies governing bank charges and financial practices.

Professional Engagement with Banks

We adopt a structured and professional approach when dealing with financial institutions. Our goal is to resolve issues through reconciliation and constructive engagement, not confrontation. This approach helps clients:

  • Maintain healthy banking relationships
  • Avoid unnecessary disputes
  • Achieve faster resolution and recovery

Service Benefits
& Success History

This is an income-generating, success-based exercise with no cost implication. Over 1,250 clients including government agencies and Public Liability Companies have engaged us.

Recoverable Charges

From our experience, 15-20% of most facility charges are unethical and recoverable if professionally reviewed and pursued.

Enhance Working Capital

Recovered funds provide access to capital that can be redeployed into core operations without additional borrowing.

Financial Optimization

This is a comprehensive process that delivers operational value. It strengthens treasury management and improves profitability.

Maintained Relationships

Issues are formally referred to the Bankers' Committee or CBN for arbitration. They are typically resolved amicably.

Recovery Success Rate

Based on 1,250+ completed audits

82% Success Rate
2021 2022 2023 2024 2025
1,250+
Cases Resolved
100%
Confidentiality
Clarity First

Frequently Asked Questions

Everything you need to know about our recovery exercise.

Confidential Inquiry

A Highly Confidential
Recovery Exercise

Once commissioned, we shall recover all unadvised and unethical charges passed to your accounts over the past six years. We would like to reiterate our desire to be of service to you.

All inquiries are strictly confidential. We respond within 24 business hours.

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