through Skye Bank cheques and Ecobank cheque. The defendant dropped her certificate of occupancy as collateral which she would collect after paying back the money. They also had an agreement that if the money was not repaid within the agreed time, the nominal complainant can go ahead and take possession of the property. The defendant also promised to buy back the property as soon as she gets the money. This was their agreement.” P.W.3 testified further that he wrote a letter of investigation to Skye Bank to confirm the payment of 30million Naira from the petitioner’s account to the defendant. Exhibit 8 is the bank’s response. He said in the course of investigation, the petitioner brought the certificate of occupancy given to him by the defendant to their office. He said their investigation revealed there were two certificates of occupancy in respect of the same property. He said they forwarded the certificates from the petitioner and the one from British Lead School to the Federal Ministry of Lands, Housing and Urban Development for verification. They marked the two certificates as Annexture A and B respectively. Annexture A was the certificate submitted by Lead British International School, Gwarimpa while Annexture B is the certificate of occupancy submitted by the petitioner. The Ministry responded vide Exhibit 1 wherein it was stated clearly that Annexture A was authentic while Annexture B is a cloned copy. The defendant was thereafter arrested and confronted with the two certificates. He said the defendant confirmed to them at the EFCC that the certificate marked Annexture A is the one she gave to Lead British School and was aware of the sale of the land by Dyna Ladejj to the school. P.W.3 testified further that when he discovered the disparity in the description of the property in Exhibits 3 and 4, he personally sought 6