First Gulf Bank / forcing to take quick cash loan
I have a First Gulf Bank credit card. Last October 10th I recieved a call from bank employee for quick cash loan.
But the lady(employee of the bank) did not inform me all the details about the loan and she had taken my bank details.
Again on 12th October when she called me I asked her about all the interest charges. After getting those information from her I asked her
for sometime so that I can take some time to think over it. I asked her to call me again next day.The same day I had decided not to take
the loan as I dont need as of now and I dont want to pay interest rate simply to the bank.
The next day when I was expecting the call from the bank, there was no call made. One day after I went to India as I had booked the tickets.
After 3 days I came back from India and I was not that FGB bank has credited the loan amount to my account.
Since I already had more money than the total loan amount in my standard chattered account before, I spent a part of
the loan money with my own saving amount. I was not aware there is an extra amount of money in my account which was credited by FGB bank.
After a period when I looked into my standard chattered bank statement I found 24000 dirham was credited to my account FGB bank and
I have spent 4000 dirham out of that. So I called up customer care to clarify why they have credited quick cash loan to my account without
notifying me and even after crediting the money they did not inform me. i dont want any debt on my head and I dont want to pay simply interest charges to the bank when I dont need any loan.
I asked them to take back the loan amount what they have credited. After one/two day one person called me from the bank, I informed him everything. He was so rude to me
and he said loan can not be cancelled. I asked him two questions how the bank can credit to my account without my permission and why they
did not inform me after crediting to my account. He did not answer to my questions and he was so rude to close the case saying I have to
go for the loan period and pay interest as I ahve used a part of the loan. Then the case was closed from bank side. After that I been
calling to the bank so many times and I asked them to go through the recorded voice since I have clearly asked for a confirmation call
before doing any transaction.They had done mistake from their side now they are asking me forcefully to go for the loan which I dont need,
so that they can take interest charges. This is really a partial decission from the bank side without judging customer's situations.
Kindly advise me.
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