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Standard Chartered / 10,000 aed &free pre-approval&

1 United Arab Emirates Review updated:

My wife and I were interested in buying a house in Dubai.

In order to have a better understanding of what the bank was willing to lend us we made a request for a "free" pre-aproval. The letters below describe the back ground. I would urge any potential house buyers to be aware of "free pre-aprovals" as this one letter cost us 10, 000AED (£2000).

Dear Siraj,

Your letter below says that you will be getting back to us “at the earliest”. As you know we have been pursuing this issue since July of last year – I believe there has been more than enough time for your bank to gain an understanding of our case.

The documents you have forwarded me do not include our signatures on all pages – therefore the item relating to “non-refund” does not pertain to us as we have not signed this section of the agreement.

The wording also states that any monies paid would be non-refundable. However – at the time of signing these documents no payment had been made to Standard Chartered.

Each of these minor technical points is regardless of the fact that as we have repeatedly made clear in our previous letter we were informed of the following by your company:

AED 10000 is a part of total PF and we will take this money once you finalize the property and put it for valuation and at the time of final approval.

As is clearly noted in the detailed letter below we did not make any request for you to value to value the property or go any further than the effect your bank has charged 10, 000 AED for no additional services rendered. We were misled into thinking that there were no financial consequences in signing this document. The fact that the critical page is unsigned by us makes this lack of clarity evident.

I would like a clear resolution to this matter within 14 days before I take the steps of contacting the following organizations for their advice:

[protected] UAE Consumer Protection Department (CPD)

[protected] UAE Central Bank Control & Inspection

[protected] Dubai Courts

Common sense would suggest that we were misled in this affair and I urge your bank to resolve the issue in a fair and reasonable manner as quickly as possible.



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  • Re
      30th of Mar, 2009
    0 Votes

    Everyone is talking about money problems here...but this is a bit different come these money transfer companies can transfer money from a man to a whore for pleasures. May be i'm wrong but i came to know that a man(living in Jeddah, KSA) sent more than 3000 riyals from ksa(Jeddah) to eight different prostitutes who work on net living in different country. In ksa rules and regulation about all these things are really strict and then how come this one man sent money to different countries ( including South Africa, Phillipines and America) for his pleasure and to fullfill his porn desires. Oh by the way he sent all this money to those whores through Western Union Money Transfer ( bank and on net) and through Al Ahlionline Bank ( on net) and he is still doing till now. Ok i agree to this that company didn't know about it and was doing its work, its duty...but this cannot be easly ignored that a man is sending money to eight different girls(prostitutes) living in different countries. This man has also spent money on internet porn chatting site named and he paid his bills the way everyone other man pays(throught telephone bills), but there was no complains about that he has paid bills on porn chatting site. (living in Jeddah, KSA). I complained to a similar site about all this but there was no response. Please take some actions. This is not legal. This is illegal.

  • Si
      9th of Mar, 2010
    0 Votes

    Standard Chartered Bank
    My A/c no 10-7584016-01
    My Atm card no 4033 9749 0058 2734
    Credit card no 4937 4904 0694 2972
    I requisite you My credit card and ATM card cancel or not so Meany times sent mail and phone No answer from your side, Please Cancel

    me all ready cancel my visa, now leaving in INDIA three month before i ask cancel all cards but no answer your side
    My E mail or 91-9497589663

    Three month so meny mail sent attach cancel passport copy al so attach I am cancel in visa 6month finish

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