Union National Bank UAE / Account Blocking and Refusal to Issue Liability Certificate
I resigned from my former company in January and was paid my gratuity by check which was deposited to UNB on March 3. This is a standing agreement between my company and UNB due to the personal loan that I have with the bank. I was told by their officer prior to the deposit that they will have to block my account until I submit a new Salary Transfer Letter from my new company. I did this on March 3 through their Najda branch and was confirmed received by my branch in Garhoud. They have continued to block my account until now. I sent them an email asking when they will unblock my account and how will I get my next pay. An officer by the name of Mohd Ali called me last month explaining that I need to provide them a guarantor for my outstanding balance and that this person should issue a security check, salary certificate and copy of passport with UAE visa before they unblock my account. I requested them to issue me a Liability Certificate so I can ask another bank to buy out the loan. I have moved to Abu Dhabi since March 2 and it has been very inconvenient for me to do my banking transactions with them. First of all, my branch is in Dubai and all transactions had to go through my branch before it gets approved. Second, their online banking system is not very helpful. A certificate request cannot be done online and you always have to go to a branch personally to fill up a form. It is an antiquated system that does not help their customers especially those in the working class. Third, UNB is saying that my new company is not listed with their bank.
They have refused to unblock my account and also refused to provide me with a Liability Statement that I can present to a new bank which has my new company in their listing. Why do I need a Guarantor if another bank is willing to buy out my loan from them? As far I understand, this is not within the Central Bank regulations. Mohamed Ali also threatened to blacklist me in the Central Bank.