Rakbank / The National Bank of Ras Al Khaimah - harassment

I, hand on heart, thought I was the only one but evidently I am not.

Hadaf Al Khaleej Debt Collections LLC [Tahseel] External Legal Agency - [email protected]; [email protected] and [email protected];

Took out a very small loan and after returning to the UK I tried to contact the bank to pay it back with no response! but then I get an email almost a year later. Perfect, I can now clear my debt and be free! This low life was on the phone to me threatening me! im at work. we agreed on how I will be paying it. At the same time another low life emails my HR manager (I have just found this job and I believe they picked it up from Linked in). Email reads:

We are acting on behalf of our client Emirates Islamic Bank who has instructed/authorized us to recover from (X) the entire settlement of his dues.

We seek your assistance in recovering the outstanding amount lawfully due and request you to kindly verify with the details provided by us above and reply back to us with confirmation if the above mentioned person is working for your good establishment. We request you for maintaining of confidentiality, as we do not intend to harm your firm’s or any employee’s reputation.

If the above details are correct, please provide us with his new contact numbers (mobile, home and office numbers) and personal email address, which could be of help to us in reaching him.

We look forward to receiving your positive response and cooperation in this regard.

Note: If you are not the concern person for doing the verification please provide the right person’s email address.

Thanking you in anticipation.

Thanks and Regards,

Aarif Mulla

Team Leader,

Hadaf Al Khaleej Debt Collections L.L.C., United Arab Emirates.

Mobile: +971 [protected], Direct Number: +[protected], Office: +[protected], Fax : +[protected].

They forwarded it to me. Weren't very happy and month later I lost my job! Now I have been out of a job for 6 months after due to the mental and emotional stress they caused. Thank God I have a job now and paying the money back. I am in the process to raise attention to Interpol and the UAE government to consider regulations over their Debt collecting companies. This has been an absolute joke!
I am ok but imagine someone lost his/her job or unable to work. has a family/children to take care off and needs a little more time to pay it all back. yes you shouldn't have taken the loan out in the first place, but the harassment has no place anywhere in the world!

I am working with a Lawyer to get this resolved. Please feel free to comment or reply to me to push this forward. I will pay my loan and get my compensation so really not losing much!

Lets do this guys! People, that aren't willing to think before they earn a living the "halal" way deserve noting less! SOZ

Good evening
Hiii sir,
Regrading [protected] my card number, my problems for rak bank I get credit card loan 2013, 80000 still date I am paying until 2015 after that do to my company salary delay iam not paying countesses even tho I pay wht I have iam asking rak bank when I was vacation long leave already I pay 2 month there was 3 month pending then one of antoney from legal department dubai he call my home that time my mother was there his talking my mother completely unexpected way my mother was crying do to this call iam asking rak bank who calling rak bank legal departmental they are talking kind of thinks as his say ur randi mens hindhi? broker also talking xxxx banks like that never see special rak bank
2013 to 2017 still my amount not done because rak bank double interesting, even nobody can pay until his expiry in uae iam asking rak bank its care ct if any clarification please ur bank calling my home record

Thanks

I hope I get some one solve's to me

Narayana tukkadi
[protected]

Hiii this narayana I get credit card loan 2013 but im paying some of my payment. I loses do to my company deley salary es legal department they safar me morethen my life do to deley work my company send long vacation. Eventho I pay 3 months with my friends 3 months deley they call me home they talk with my mother completely unexpected way. Really never see kind of bank how I can solve this bank I can sleep properly if I am India I can put agenest bank do they del with my mother please help me how to solve this bank thanks
narayana
[protected]

The bank employees are very unprofessional, giving false information! is it normal to process a personal loan more that 2 months after you submitted all the required documents and keep saying t's approved? the sale agent/ the team leader is not even helping and keep ignoring my calls and messages!

I've been a customer of rak bank for the past 10 years religiously doing the payments and making sure all payments are done timely. now that I have some extra money wanted to close the card and loan that I have with rak bank. I called asked the outstanding amounts to pay and did the payment promptly. since that day every day i'm trying to call and request for a closure and i'm told to pay 100 aed sometime, 20 aed sometime, 160 aed sometime. this is continuing since the past 10 days. every day I go to the rak atm and do the payment and request for a closure and to my surprise I am told a new amount to pay (can you pay this amount now?). everyday I get told this is the outstanding for now and you pay this and request for a closure, once I do this payment they give me a fake ref number for card closure which later I know does not have any meaning.
The customer care people are only playing around with customers and taking them for a ride.
I'm so frustrated and very upset with the bank. I was under the impression that rak bank was a good bank but I am wrong.

I have am also facing same problem with rak bank, after we are attending calls and explaining our status. we are searching for the job most days without food even. also for the loan payment even though we have paid the full insurance premium for the same. they are also calling and sending people to home in india too and some of the collection team is speaking in bad words in hindi to me. we are in the problem and running away still they are harassing too much, different people are calling from different mobile number and land line number.

Attn: the manager
Rak bank
U. a. e.

Sir,

I abdul majeed najeeb having a credit card no.[protected]
(titanium master card) which I took in 2009 when I had a job, I would remit the money every month.in march 2011 I lost my job, immediately I reported the bank
And gave a copy of termination letter in king fizal branch, sharjah, but still I managed to pay the money by borrowing from my friends and relatives for few months. I even sold my daughter’s gold bangle to pay the bank.

After 8 months I got a job in abu dhabi with less salary than before. I had to repay my friends and relatives who helped me when I was jobless. I live here with my wife and two childrens, both are going to school. I had to manage all the expenses and at the same time repay the debts also.

In the mean time I was being called from the bank saying I have to pay this much
And all that, they kept on harassing me very often. the tension I am undergoing is unexpressable.

I don’t say that, I won’t pay. I will pay the bank, but I want the bank to help me by reducing the amount. if the interest, over limit fee, late fee will be waived off, I can pay the remaining total amount by 4 - 5 installments.

I request the bank to mail me a settlement letter so that I can settle this at the earliest and become free from the debts.

Your favorable action in this matter will be highly appreciated.

Thanking you

With regards,

Abdul majeed najeeb
Abu dhabi
U. a. e.

Mob : 0097150 / 4912639

Email : [email protected]

Does anyone know of any contact at rak bank who has some small amount of common sense as I received the below email today from them, I have not run away I was made redundant and could not make full payment of the minimum due, despite several emails to them they never answered me, then I get an email from some bilkish offering to help come to an amicable solution, now these donkeys claim they have put a gcc wide work ban on me, police case and travel ban, how the hell can I pay them back if I cannot work, are these clowns actually regulated by the uae central bank or do they simply do what they want.

See below email received today, if there is anyone out there who can assist me please come forward [email protected]

Dear prakash,

The customer’s current os as at today is aed 70561.33 and the principal amount aed 62, 035.17.

As june month was last month to stop all case legal activity as I informed you. since we already done consequences against customer & only 1 gcc law consequence is left.

Criminal case has already been filed and gcc ban is already active for travel also employment ban is in the process in order to stop being employed in gcc.

And also central bank black listing is in the process for international travel ban. if customer could manage at least the principle amount prior to 17th of this month we can immediately cancelled all the actions in process and can be removed the legal case has been filed.

Appreciate your urgent response to proceed without fail

Hallo guys, guess what happened to me? I have 0 out standing on my card and have a loan paid on time every month and I normally pay aed 500 extra. one nice day I thought of calling the bank and finding out how much would it cost me to close the loan entirely, the agent miss understood me imagine how an agent can go from "I want to pay" to "I do not want to pay" whatstupid! so one thing led to another, I lodged a complaint went on with my life. another happy day I changed my phone and wanted to register my mobile app, to my surprise the app said the card is invalid, I called customer care and to my surprise the card is blocked :o lol what stupid #! I have a loan of x amount and they blocked a card with no out standing! how dumb are they. so basically whats happened is that the dumb collections agent blocked my card thinking am gonna run of without paying their loan hahahaha. seriously, steer clear of rak even for regular baking requirements.

Make complane on consumer court against rak bank recovery dept and also post on each and every social sites for awareness, that do not apply any product with rak bank they are cheater and really don't know how to talk to there royal clients. if by chance you forget to pay only one time your credit card amount they screw your happiness.

Rak bank are no better than thieves who couldn't give a monkeys if someone is thrown in jail, whats disappointing here in this so called forgiving society of the uae is that the higher powers just close their ears and eyes and do nothing to stop this happening, innocent people who lose their jobs are thrown in jail, the uae would rater you starve as long as you pay your bak loan off! and they call this a civilised country.

As an expat who has resided in dubai for over 5 years, I thought I was settled here! suddenly and without warning made redundant, sadly thinking I was settled here for the rest of my life I like many other here had the usual credit card from the bank and a loan, I did the right thing and emailed the banks to inform them of my loss of employment thinking they would understand and reduce my payments giving me time to find another job,

How wrong could one be! they are vultures with the worst being rak bank who immediately sent my file to a debt collection agency, this company have constantly harassed me sometimes calling 30 times a day demanding full payment, I have explained a million times this is not possible and have continued to make small payments in an attempt to stop them saying I have paid nothing! next I get a text message telling me they are opening a police case against me! this company who I am quite happy to name tahseel - hadaf al khaleej debt collection is using hundreds of different number and even mobile phones so you don't know who is calling, I am pretty sure even the uae has laws against this kind of harassment. they are all indian callers and are so rude, it makes you end up slamming the phone down and blocking their calls, its high time the emirates woke up to debt and treated it not as a crime but in most cases an inadvertent situation arising thru loss of employment, then instead of allowing innocent people who have sadly lost their jobs be punished by prison, try like the rest of the civilised world and assist them not punish them, does the islamic religion condemn debt? does it say throw people in prison for losing their jobs? does it say ruin a family and cause severe hardship by punishing people for being made redundant? the answer to all this questions is no! I truly hope in my heart of hearts that the leaders of this beautiful country wake up and join the 21st century, do away with cheques that can be presented any time a bank feels like it and cause distress and suffering! assist those unfortunate enough to lose their jobs and regulate these so called debt collection agencies who are in breach of the harassment laws.

Please address this matter and stop allowing innocent people to lose their families, freedom, and will to live

No words... just we are id*ts that we are using their card...

Could someone help u, we need advise on what to do. police arrested my husband in airport the moment he arrived there last thursday night. until now he is still detained. because rak bank and adcb filed a legal action against him, by not paying his loan on the said due date. he didn't intend to run away his debts. because he is outside uae for a month for a business trip, that's why he didn't manage to pay loans on time. they keep on calling and threatened him that they will sue him. and my husband said, I will pay once I go back dubai on february. but then, still banks filed legal action. I don't know what to do now since its weekend and all is closed, my brother in law will go tomorrow to the said banks to talk to them and ask if they can cancel the police or jail thing. and give us installment options and continue paying. im so scared about the situation of my husband. maybe the banks also ask my husband's working company to terminate him from work. oh god. :' (I really need advise

My husband have the same issue in rak bank. he is out of uae for a month because of business trip. he didn't manage to pay for his loans in rak bank and adcb. he is receiving calls from rak bank, threatening him that they will do legal action against him. when he came back to dubai to fix and pay his loan installments, they hold him in airport and detained him. how he will resolve this if the bank already did police actions against him. they dont have considerations and they cannot wait for money. they didn't think that he is on travel, that's why he is late on payments. we don't know what to do now. can somebody advise us what to do please? i'm so scared, i'm worried about my husband in jail. I have to deal with the bank tomorrow, sunday. coz all is close by friday and saturday, and we can't do anything but to wait. i'm thinking about what will happen
To his work while he is in jail now. here's my email address: [email protected] please help us and tell me what should I do

Do know what to say I will never deal with local bank in life.
I had a loan in [protected] aed and I was paying for additional insurance made that time by the bank to insure the payment in case of job loss, in 2009 I was terminated with balance around 17000 aed I applied for insurance coverage, the bank gone through prolong process during which I was keeping the payments and additional charges for insurance and until the balance become 11900 aed the insurance cover the rest... after 5 yrs the bank call me again to pay the 11900aed which was paid by insurance, I ignored them but they used the security check against me and I was stopped in the airport and I had to pay 13100 aed to let me go and im still now figuring out how to fight back this bank will not let go away with this, please share your thoughts if you have an idea
[email protected]

Hi all
Even I got a cal from rak bank people located in delhi named as yadav and gupta.
They are calling and askin me to pay the pending amount.
They even asked the rak bank dubai collection name faisal to cal and even he was not professional in call.
Can any one advise what should I do as these guys are callin me and tellin that they will file a case against me and call the police.
Please advise

I would like to get my greivence, that I took a car prado thru rak bank last year, I have been paid installments on time which will come dms 2990/-month. due to some financial crisis, I have missed 4 installments, and rak bank has caught my car, after they inform me to deposit two installments which I paid and visit the collection center in al quasis to take my car, then they again ask me to pay the overdues again, then I agreed to pay other 2 months installments, I visited again, then they asking me to pay 3 more future upcoming installments, I agreed to that also, after I visited, again they are demanding to pay 5 upcoming installments and a guaranteer with his cheque, now the total demanding amount is dms 25, 000/-

I went again with a guarantee (my staff) + dms 25000/-, now he is saying, he need the signature to be attested from court and he need other person as a guarantee. since I am the company owner and my company is in hmfzc, so I have shown moa, company register certificate, share certificate, trade licence, here all proof that iam the owner … what else they need? they are harassing me. their intention is not to give my car, the want to take the car to appoint some of them as auctioner, there are lot of complaints same like this incident which I am going thru, they are putting me in circles ….

We have our security cheque with them and they returned after pay the installment, the surprise and amazing thing is that we cannot talk to anybody to finish in a solution, the customer is like a beggar and no higher authorities to look after, we still dont know what will they ask again? since this collection point euro arab marketing nera grand hotel squeeze the customers and dont allow to hear any of our concerns, just demanding like anything. no body is controlling the team and customer have no choice

Where should we go? since the customer is ready to pay the up coming installments and keep guarantor also, what else they need? we need a solution to finish this matter.

Please help us and advise...

Thanking you,
Mrs rajesh-

Extortion
On 18th april 2014 I received a call from one mr rakesh chawdary tel no : [protected], claiming to be acp crime branch delhi. he said that they have received a warrant from interpol against me. when I asked him who had filed a complaint? he told me to contact one advocate gupta on tel no: [protected]. I immediately contacted this advocate gupta and he told me that he has filed a case against me on behalf of rak bank dubai in delhi court and if I do not pay the outstanding loan amount he will proceed with the case and have me arrested and put on the next flight to dubai. I told him that I was sick and under medication in mumbai, but he threatened me with dire consequences and put on conference with rak bank recovery staff one mr faisal iqbal, who was utter abusive and rude on the phone. when I told him that I want to settle the outstanding amount which was only dhs 53, 000/- he told me that I need to pay dhs 1, 19, 000/- and need to pay immediately. when I told him that I need time to mobilize such a big amount he told me to place the security cheque for rs 20, 000000/- (20 lacs) with one world wide money transfer - mr piyush jain immediately. I told him that I was out and will be able to provide this cheque only when I return home in the evening. but he was very arrogant and told me that if I do not provide this cheques of current date then he will ask advocate gupta to proceed with the extradition proceedings and have me arrested. being from a good family, I was freightened and agreed to immediately provide the cheques to mr piyush jain on the same day by 5 pm. I provided three cheques dated 18th april, 22nd april and 25th april respectively to complete the above amounts to mr piyush jain's man at 5 pm as promised. adv gupta told me that once the cheques are cleared he will immediately arrange for the police release in dubai and withdraw the case against me filed in delhi court. I some how manage to clear the 2 cheques by selling of my wife jewellery and sold my crv honda car for distress price to clear the last cheque. now it is almost 15 days that I have not got the release for my car in dubai and the buyer who purchased my car is chasing me for the release. I have been writing to mr faisal iqbal of rak bank daily for the release but he has been abusive and non co-operating on the same. the buyer of my car is threatening me with returning back my car and claiming return of the amount he paid. he has taken a security cheque from my brother in law at the time of purchasing the car and had told me that incase if I do not get the release of the car done he will deposit the cheque of my brother in law. as far as the bounced cheque is concern the law in dubai is very harsh and if the buyer deposits the cheque of dhs 61, 000/- in the bank and get dishonoured then my brother in law might come into trouble... now I have been trying to call adv gupta and rakesh chawdary, but their mobiles are switched off. I believe that these two persons are conman and are chasing, freightening and abusing people who owes money to rak bank and are not able to pay regular instalments. I caution everyone who are in similar situation like mine to be careful and not budge or presurised by these crooks as I did...

My story was quite long. please see below the email exchange with this cheating bank:

Hey stop all these cheating and bloody business. you bloody buggers do not even deserve any respect and does not left any face value.

Go and check all your voice recording and email trail below where I have mentioned several times that I left uae one year back. if I am in uae then why should I transfer money from singapore.
I will raise this to my corporate so they should be aware before go for any service from this #ing bank.

Also, check all previous complaints emails where I have tried to pre-close loan account several times. # #ing explanation and #ing service.
— reply separator — nov 6, 2013 4:03:14 pm —

Dear mr. sunil,

Thank you for your query.

With reference to the below email regarding the reversal of late payment fee, please be informed that as per the process entry and exit stamp page is required in order to process the request for the reversal of late payment fee.

Since you are confirming that you are currently out of uae, we regret to inform you that we are unable to place the request for the reversal of late payment fee.

However, we have addressed you query to the concerned unit in order to get in touch with you.

Assuring you of our best services at all times

Rameena khalid
Online banking team
Rakbank contact centre
Connect with us: twitter.com/rakbanklive | facebook.com/rakbank | rakbank. ae | rakbankdeals. ae

— reply separator — nov 6, 2013 2:04:59 pm —

Hi rameena,

Why are looking for entry stamp in 2013?

I have left uae aug-2012. I still could not understand what does this entry and exit stamp will help to initiate the reversal request?

Sunil
— reply separator — nov 6, 2013 11:32:48 am —

Dear mr. sunil,

Thank you for your query.

With reference to the below email regarding the reversal of late payment fee, please be informed that we have received the stamp but we are unable to find the entry stamp in 2013.

As per the process in order to initiate request for the reversal of late payment fee, both entry and exit stamp required.

Therefore, we request you to please confirm if you are currently in uae.

Assuring you of our best services at all times

Rameena khalid
Online banking team
Rakbank contact centre
Connect with us: twitter.com/rakbanklive | facebook.com/rakbank | rakbank. ae | rakbankdeals. ae

— reply separator — nov 6, 2013 9:56:46 am —
From id: sunilmalik23

Hi,

I have sent the same through email.

— reply separator — nov 5, 2013 4:40:30 pm —

Dear mr. sunil,

Thank you for your query.

With reference to the below email regarding the late payment fee reversal request, please be informed that we have received the passport copy from your end but entry and exit stamp is not clear.

Therefore, request you to please provide the clear documents in order to place the request.

Assuring you of our best services at all times.

Rameena khalid
Online banking team
Rakbank contact centre
Connect with us: twitter.com/rakbanklive | facebook.com/rakbank | rakbank. ae | rakbankdeals. ae

— reply separator — nov 5, 2013 3:29:52 pm —

Dear mr. sunil,

Thank you for your query.

We regret to inform you that your request for the reversal of late payment fee is not processed as you were out of uae the copy of passport and visa with the entry and exit stamp page also required.

Therefore, request you to email the passport copy to email address: c[email protected] ae, attn: rameena/ jimmy. kindly mention your user id when you are sending documents.

Please note that the above request is subject to the bank's approval.

Assuring you of our best services at all times

Rameena khalid
Online banking team
Rakbank contact centre
Connect with us: twitter.com/rakbanklive | facebook.com/rakbank | rakbank. ae | rakbankdeals. ae

— reply separator — nov 4, 2013 4:44:45 pm —

Dear mr. sunil,

Thank you for your query.

Please be informed that your request for the reversal of late payment fee has been forwarded to the concerned department with reference number: csr - 57738-rr. this process will take 3-4 working days. the request is processed subject to bank’s approval.

Assuring you of our best services at all times

Rameena khalid
Online banking team
Rakbank contact centre
Connect with us: twitter.com/rakbanklive | facebook.com/rakbank | rakbank. ae | rakbankdeals. ae

— reply separator — oct 30, 2013 10:27:04 am —

Hi rameena,

Please take the reversal request now.

Sunil

— reply separator — oct 30, 2013 3:07:37 am —

Dear mr. sunil,

With reference to the below email regarding the reversal of late payment fee, please be informed that as per the system you have made the payment today but same will be reflected in the system by end of day.

Therefore, request you to please confirm by tomorrow and request for the reversal. the request will be subject to the bank’s approval.

Assuring you of our best services at all times

Rameena khalid
Online banking team
Rakbank contact centre
Connect with us: twitter.com/rakbanklive | facebook.com/rakbank | rakbank. ae | rakbankdeals. ae

— reply separator — oct 29, 2013 4:37:18 pm —

Hi rameena,

As per our last conversation, please can you take the reversal request now?

Sunil

— reply separator — oct 29, 2013 12:59:36 pm —

Dear mr. sunil,

Thank you for your query.

As discussed in the telephone conversation, kindly arrange to make the payment and confirm in order to initiate request for the reversal of late payment fee. the request will be subject to the bank’s approval.

Assuring you of our best services at all times

Rameena khalid
Online banking team
Rakbank contact centre
Connect with us: twitter.com/rakbanklive | facebook.com/rakbank | rakbank. ae | rakbankdeals. ae

— reply separator — oct 23, 2013 12:28:09 pm —

Dear mr. sunil,

Thank you for your query regarding the credit card loan. we have addressed your query to the concerned team and are awaiting a suitable response.

Assuring you of our best services at all times

Rameena khalid
Online banking team
Rakbank contact centre
Connect with us: twitter.com/rakbanklive | facebook.com/rakbank | rakbank. ae | rakbankdeals. ae

— reply separator — oct 22, 2013 4:18:59 pm —

Hi jimmy,

Please let me know who is handling this matter. is it you or rameena as I am getting different answers.

I got call from collection department and they are explaining me the late payment charges which I have already got in my last conversation from another lady.

I want the dispute of late payment needs to be addressed as I have done the transferred well advanced in the months of septerber. so, the issue must be handled through depute department rather collection department.

I have sent relevant document supporting to my late payment reversal.

I am not going to pay only 5175.19 for nov emi.

— reply separator — oct 22, 2013 2:36:26 pm —

Dear mr. sunil,

Thank you for your query.

With reference to the below query regarding loan on card payment, we would like to inform you that we have addressed your query to the concerned team. shortly you will be contacted for the same.

Assuring you of our best services at all times.

Jimmy dasor
Online banking team
Rakbank contact centre
Connect with us: twitter.com/rakbanklive | facebook.com/rakbank | rakbank. ae | rakbankdeals. ae

— reply separator — oct 20, 2013 4:04:20 pm —

Thanks for the confirmation!

I am disturbed by the face that even though I made payment I have been asked to pay overdue. anyway, I have reviewed all my payment history and came with the conclusion:
(1) there was one day delay payment in sep emi. I believe you are referring the overdue amount because of that. please note this delay payment has been happened because of rak bank as I have transferred emi well advance for the month on sep. I have sent supporting document for the same which you confirmed now.
(2) I was surprised by the fact that there was two times deduction (5299.17) in the month sep and reversed one deduction after I raised complaint. if the delay was happened in sep then why the overdue has not been recovered in sep?

I have taken final stand to stop all these. as per my record there was one last emi pending in nov. as you people have deducted extra 160.98 so I will transfer only 5336.17-160.98=5175.19.

If you think that rak is still owing some due from me then pass the case to your legal department. I will action accordingly.

Please note I am stopped getting email from sep2012 as I have moved to singapore. see below my contacts going forward:

Sunil kanti malik

— reply separator — oct 20, 2013 2:35:33 pm —

Dear mr. sunil,

With reference to the below email regarding the reversal of late payment fee, please be informed that we have received the documents for the reversal of charges but as per the system your credit card loan is overdue.

Therefore, you are kindly requested to make the payment in order to cover the overdue and request for the reversal. the request will be subject to the bank’s approval.

Kindly contact [protected] for payment enquiry.

Assuring you of our best services at all times

Rameena khalid
Online banking team
Rakbank contact centre
Connect with us: twitter.com/rakbanklive | facebook.com/rakbank | rakbank. ae | rakbankdeals. ae

— reply separator — oct 19, 2013 2:48:31 pm —

Dear mr. sunil,

With reference to the below enquiry regarding the credit card loan, please be informed that we have tried to contact you on but could not reach you.

In reference to the reversal request for the late payment fee, we will be able to take the request for the reversal of late payment fee, if you can provide the proof of transfer towards your credit card loan payment which was made on 31/08/2013. once we received the supporting documents, we shall place a reversal request which is processed subject to bank’s approval.

Therefore, request you to please send the supporting documents to email id: [email protected] ae attn: rameena/ jimmy mentioning your user id.

Please be informed that the outstanding as per 12/09/2013 was not fully paid by the due date, hence you will be charged with late payment fee on your october statement.

Thanking you and assuring you of our best services at all times,

Rameena khalid
Online banking team
Rakbank contact centre
Connect with us: twitter.com/rakbanklive | facebook.com/rakbank | rakbank. ae | rakbankdeals. ae

— reply separator — oct 10, 2013 12:29:13 pm —

Hi,

I have reverified my account details and found that there was only one day in month sep abt the emi payment. I have communicated the same with executive at the same time as my transaction was pending with rakbank side only. I have raised tt from singapore on 31-aug and confirmed with dbs that it was transferred on 3-sep to rak. but the same amount was reflected in my rak account 8-sep which is one day delay of my emi deduction. so, it was just cheating to make me defaulter. also, on top of that I have noticed and raised the concerned that amount deducted twice in sep. as I mentioned earlier email that I want the break-up of my late payment fee. also, send ur graviance cell number. just to let you know that I am taking this matter as serious note and come with legal step if I will not get satisfactory answer. hope this clear now. stop cheating people. it conveys bad messages.

— reply separator — oct 9, 2013 9:08:55 pm —

Dear mr. sunil,

Thank you for your query.

As per our telephonic conversation regarding late payment fee, we would like to inform you that we have forwarded your query to the concerned department. we will update you once we receive the update from the concerned department.

We do regret for any inconvenience caused to you and will immediately follow up for the same.

Assuring you of our best services at all times.

Jimmy dasor
Online banking team
Rakbank contact centre
Connect with us: twitter.com/rakbanklive | facebook.com/rakbank | rakbank. ae | rakbankdeals. ae

— reply separator — oct 9, 2013 12:21:45 pm —

Fyi: I left uae 1year back.
I am currently in singapore. my contact number is +65 [protected].

I want written explanation of the late charges. also, let me know how much charges you are still expecting me.

Sunil

— reply separator — oct 9, 2013 10:20:34 am —

Dear mr. sunil,

Thank you for your query.

With reference to the below query regarding loan on card payment, we would like to inform you that we have tried to contact you on your registered mobile number but unable to reach you.

Therefore, you are kindly requested to confirm us your contact details and suitable timings in order to arrange a call back service for you.

We do regret for any inconvenience caused.

Assuring you of our best services at all times.

Jimmy dasor
Online banking team
Rakbank contact centre
Connect with us: twitter.com/rakbanklive | facebook.com/rakbank | rakbank. ae | rakbankdeals. ae

— reply separator — oct 9, 2013 9:58:24 am —

Hey,

Stop giving # excuse. I could not see any delay payment in august. send me the breakup of late payment breakup?

Also let me know the amount pending to close this loan. I have done really blunder that I have considered this bank to take loan in the first place.

Sunil

— reply separator — oct 9, 2013 4:51:21 am —

Dear mr. sunil,

With reference to the below query regarding loan on card payment, we would like to inform you that you have not made the full payment as per your statement dated 12/08/2013 on or before the due to the same late payment and finance charges have been applied and an amount of aed 5, 497.15 has been debited from your account.

Assuring you of our best services at all times.

Jimmy dasor
Online banking team
Rakbank contact centre
Connect with us: twitter.com/rakbanklive | facebook.com/rakbank | rakbank. ae | rakbankdeals. ae

— reply separator — oct 8, 2013 4:41:07 pm —

Dear mr. sunil,

Thank you for your query.

With reference to the below query regarding loan installment deduction, we would like to inform you that we have addressed your query to the concerned department. we will update you once we receive the confirmation from the concerned department.

Assuring you of our best services at all times.

Jimmy dasor
Online banking team
Rakbank contact centre
Connect with us: twitter.com/rakbanklive | facebook.com/rakbank | rakbank. ae | rakbankdeals. ae

— reply separator — oct 8, 2013 10:48:06 am —

Hi,

My monthly loan emi was 5336.17. this month deduction was 5497.15.

Why is this discrepancy?

Sunil

Rak bank is highly unprofessional organisation. never ever think of taking credit card from them. this is fraud company and cheating people. they have charge late fee and interest, total aed 370 becuase I could not pay aed 55/- out of aed 10455/-. I paid 10400/- and since I did not had aed 55 change. I thought it will come in next month.

Was looking for a link that could guide me to this particular blog rak bank is actually crap bank selling nothing but lies... I had been a ex - employee of this bank and sorry but had to make a lot of false promises to alot of people I mean every bank does cheat to earn profits but this bank is a superlative in cheating it s customers. I also had a credit card from these guys not at all a user friendly card as well and the worst scenario is when I had approached their al qusais branch (al twar) to close my credit card was treated really badly by two customer service officers namely theresa who treated me very badly and rudely and there is no token system (which is found in all the banks in the uae) who treated me very badly and rudely rak bank is the worst bank ever please refrain from dealing with this particular bank rak bank is the worst bank ever please refrain from dealing with this particular bank

I have a credit card from rak bank and have tried to maintain a regular payment since I got the card in 2009.in fact, I did not miss any payment until I ran into some financial problems in the beginning of the year and had to default on my payment over the past two months. this month the due is almost 5000/- and the guy harassing me (30 calls yesterday) keeps saying that unless I pay he is going to have my job cancelled. I kept asking for a monthly payments plan to pay off the amount (which dubai bank processed with great ease in one day), but he gave a convoluted story about how long and complicated the process is.
It seems that the focus is getting the money out of you and not giving you the option of suspending the card and monthly payment scheme, because that way the bank will lose out on charging you the excessive interest rate. I agree with most of the people here that the staff are told to not work out a solution for their customers, but get the due amount to keep earning the interest for the bank.
If a client is willing to pay monthly installment and work towards settling the outstanding, the bank should work with the client and help/assist as much as possible especially as credit cards have the highest interest rates and the bank has made their money almost 100% by the time a cardholder has used the card for three years.
Rak bank collections are a bunch of uneducated idiots and they will soon find out that karma is a #!

I had a credit card of rak bank and regularly I was paying my installment untill oct 2012 even after lossing my job in may 2012. my visa was cancelled in september 2012 untill than I never had any offer but finally I got an offer letter and the compnay was not in a situation to transfer my visa immediatley and asked me to go back to india and informed that they will send me a visa but unfortunatley the company had put my position on hold and I am trying hard to get a job in abroad and india, I also tried hard to clear the dues but the kind of interest charges they have I could not not come out of it and lastly when I did not have money I stopped paying the amount when I came to india. now recovery agents calling from +[protected] are threatening me and harassing like a mad dog mentioning your name has been blacklisted in interpol and you will go to jail in india, your passport recovery warrant has been issued from immigration of india and you can not got any where in the world etc. etc lot abusive things. they traced out my outgoing call made from my etisalat mobile [protected]) used while in dubai and calling all my friends and relatives and informing them that I have been issued an arrest warrant. now I am completely shocked that how can etisalat share my personnel information without my concent which is breaches of trust. as I am unable to pay 27, 770 aed they are asking as I am job less at this moment. I want this issue to be sorted out amicably and asking rak bank to extend the time of payment and amount so that I can arrange money and pay. still they are listing anything.

All these years my relationship with rak bank as a customer I had not any default payments but now when I arrive at a situation this is how the uae bank's will treat their customers without doing any followups and directly harrassing people like this do uae law's support such banks. tomorrow on agreed terms we can settle the money but how they are going to pay for the humilation they are creating to us by calling our friends and relatives and ruining our names for nothing, without them taking any steps. there is no intention of cheating as I have lived in dubai for 11years and been paying all debts untill than. we expacts come there and survive only on our job's but at situation when we losse our job there should be some consideration on us or banks should default make us pay issurance so we can come out such situation in future.

I am ready for negotiation if they can give me some time and reduced full and final settlement offer. pls suggest and help me as I am so frustrated with this pls help me to come out of it.

Please advice.

Regards,

Suresh babu.

I have been on default for more than 5 yars with rakbank credit card last month im in a hospetal last month of I not the amount of aed 700 then I received a call the is nuber [protected] started calling me and relling me indecent words such sa b*ch, stupid man, idiot and the f* word and then he called me that he will make sure that I wil be put in jail and will be thrown inside the jail like a pig and get raped there and started to say i'm a very indecent girl with very bad attitude and other things which made me cry and worried. how could he say those words? I don't know she and he doesn't even know me she told me to shut up and he doesn't need my explanation I well pay soon...11-jan

dear Sir/ Madam

My name is yasin Jahabar our company last couple of years one of your customer in your bank I am working one of reputation group of company couple of years couple of time came with draw the money same branch also today one of your cashier name is Mr. kapila he is from Indian I think so today Thursday you know too much rush in your branch gold souk rak bank more than 150 people are staying stand by queue everybody keep same law why one of your staff illustrate two are three people are not standing by queue directly give to him than cashier also take him with draw the money and deposit money also rest of customer also not open the mouth everybody keep quite everybody having work my no is coming one of the gentleman ahead with me that time system was some problem cashier is telling you have to wait ok I ask cashier big problem very big problem he say like this than he treat with me standing by queue properly I say I am standing properly I am not working with him how to talk customer his behavior is not good very bad talk rough and tough I am not labor I am working one of reputation company accountant he don’t have any mannerism did I say anything wrong nothing else this incident happened [protected].30 pm) I give the suggestion with you sir please implement system bring token I am not only suffer so many people are same dialogue please bring the token system easy for everybody.
Awaiting your earliest good positive reply

Thanks &n regards,

Yaseen jahabar
[email protected]

Sir / madam,
I am dr rj
Holder of rak bank current account 02_300_.
I am new to uae, located at sharjah.
After reaching here I had opened an account with adcb bank, they processed my account fast and within 3 days of request I recieved my debit card with cheque book.
However my company is dealing with rak bank for depositing our salary with your bank.
So I was asked to cancel the account with adcb bank by our own hr dept (mrs. s) and asked to open account with rak bank.
The official from rak bank, mr. r_th came here, took the signed form, my pasport copy, salary certificate copy etc about 45 days back.
But after many days I was issued a debit card and your bank booklets without a cheque book.
I am a person new to uae, a doctor by profession and is staying a guest house provided by the company.
Already I have overstayed in the guest house, our company expects me to find a personal stay elsewhere as others too are coming and there are not enough rooms.
I had contacted the customer care on 6th dec, and mentioned to mr j_n that I have not got the cheque book.
I had contacted mr. r_th, our company officials too.
Seeing no help from anywhere in this issue, I contacted again in your customer care with mr. s_n and registered an official complaint on 13th, they said the issue will bw sorted in 2 days. my complaint registered number is 7884762.
There were some telephonic calls from your customercare, but no actions from your side..
The humiliation that I had to face and the difficulties caused to me cannot be paid back by money or by doing something now..
I think your official who made me take this account had to take some more responsibility, rather than be just getting the cuts for me taking the credit card. most of the time, you official dont pick up calls or wont even call back..
Is this the way you deal with your customers especially new customer?
I am still waiting for some concrete action from your side.

Thanking you,
[email protected]

I had similar problem, still am receiving continous calls for the payment of personal loan and credit as this donkeys doesnt know about the situvation. my full final settlement was on hold by the same rak bank and asking me to pay the minimum payment. I told them that my money is already credit that can be utilized for the minimum payments but what they are saying is it is going to debited fully only for the loan purpose rest all I need to clear with in no time. actually I got a new job so changed my current profile from my old to new job and also im ready to continue my monthly payments for loan as same as I done for last couple of months also iam ready to provide any kind of certificate from my new company saying that my salary transfer should be paid monthly to rak bank but still they are not understanding and keep on calling me and disturbing for the further payment. I dont know whats wrong with this collection department I thing they need to understand that we are not beggars and willing to pay full amount as it is to the bank. we are taking the loan by the request of their loan department sale man crying infront of us to achieve his target after that all the head aches are comming to us in the end no body will be taking care in a sensible way... really I hated rak bank >! never ever jump in to fire > very poor customer service {[ if we visited the bank customer center they dont know anything only they know how to chat in black berry or iphone or any other smart phone... uae >what is this? who is taking care of all this rubish...! very painfully a customer

I am also a rakbank customer, I am also upset by the way they move things at rakbank. I just opened my account 5 months ago and I already had lots of problems with them. they are like thieves who are waiting for us to blink so that they can steal. they infiltrate our account with schemes like insurance, credit shield over the period and if we are not crystal cautious of our account and its statement they will rip you. I wish now I had dug a pit and stored my money there rather than trust rakbank. due to my dealing wih rakbank I have unnecessarily lost thousands of dirhams. I contacted their customer care, which gives us all the confidence that the issue is forwarded to our complaints department, only find out that a few days back their reps call and say its declined. they are very rude too. I had to deal with jai, who is a senior complaints officer. he was very rude and wasnt even considering me as their customer. he was like its declined and shut the f*k away. I am closing my account.

I mahmoud hanna the holder of rakbank titanium card number [protected] and I don’t have any permanent job since june 2011. now only option to

Clear some amount towards my outstanding is to sell my sons car which may be sell for dhs.15, 000. as you are aware that I used to pay my minimum

Installment till february 2012. my current job I am not paid for couple of months and I ask your advice on this matter in order to close this subject.

Thanks & regards,

This is an automatically generated delivery status notification.

Delivery to the following recipients failed.

[email protected] ae — forwarded message attachment — From: [email protected]
To: [email protected] ae
Subject: fw: delivery status notification (failure)
Date: wed, 20 jun 2012 08:28:32 0400 — Dear marina

I mahmoud hanna the holder of rakbank titanium card number [protected] and I don’t have any permanent job since june 2011. now only option to

Clear some amount towards my outstanding is to sell my sons car which may be sell for dhs.15, 000. as you are aware that I used to pay my minimum

Installment till february 2012. my current job I am not paid for couple of months and I ask your advice on this matter in order to close this subject.

Thanks & regards,

note; I try to send you email but you did not recieve

Contact me [email protected]

We too have applied for the credit card and it has been over two weeks and the lady at oud mehta branch [protected] (on the visiting card) does not even answer the customer properly, hope the authorities will look seriously to such complaints. I have been a loyal customer to the bank for the past 9 years. pujha

I am working in al ansari exchange, we are dealing with customers as well but not that way rak bank employees dealing us. infact rak bank guys losing their valuable customers. today I received a call from the bank to pay my credit card amount as I missed last month. the guy was threat me that he will take legal action against me and he will call my hr department and he will fire me, he shout at me alot; I just listen to him till he finished his pressure cuz he must be pressurize from his seniors. when he finished his call I gone to my boss and told him everything about his call. so its simple guys; make a big heart and show them your good attitude and let them learn something from you. my suggestion is avoid credit cards specially, it has more hidden charges. its just hell.

I also got some bitter experience from theis bank. I have used dhs 3200 in credit card and then I lost job so I could not pay for 6 months. then again I came on visit to uae that time the balance was more than 5500. but I talked to legad department khalid and he said pay 2500 and your account is closed. I payed and was cool.
Again now I am getting calls from them that I have to pay again 2000. and the way they deal is so hurting and upsetting.
Frankly speaking I had relation with fgb abd they cleared things as they agreed.
But this bank is so cheating and is not worth keeping any trust. they dont have any value for their commitments.

You dont worry they cant tou h if you are outside ua e only thing they have some recovery agent who may trouble you

Haha ahmed cant believe you posted that... people will eventually stop buying their products and they will go bust... simple... just go somwhere else...

Hi... I had the worst ever experience 2 weeks ago when I got pulled over by the police. he asked me why I had not paid my car loan and I told him I had and I had no more payments owing to rak bank. he told me that he has to arrest me and take my car. I was so shocked and could not believe what was happening... lucky for me that I got a nice office and a friend drove past and stopped and she could speak arabic... the police officer took me to jebel ali police station where my car was taken and I had to remain until my friend could go and get all the necessary documents from the bank and my house... this whole thing started at 7:15 and did not finish until 5... my poor friend had to go to 3 different rak banks the first the loan dept said I do not understand what has happened she has nothing to pay... then my freind went to 2 other rak banks then was sent to a brank in al qasis then had to go to dubai court then cid... and then she came back to me... this whole process was time consuming, scary and un necessary... I had to pay 6000 to the bank and it was their mistake.. if I did not pay I would have to have gone to court... now I need my car for work so had to pay. I have made several complaints to the bank emails and phone calls and no one has gotten back to me... rak bank is the worst bank to deal with and I am disgusted with what happned to me... this would not happen in another country...

Since september 2010 me and my husband have been requesting for card settlement from rak bank and have no response. recently I have started following up rak bank and the collects officer agreed for a x amt for settelment and when yesterday I went personally to meet he told me a y amount that we need to pay.
I have been explaining him that my husband does have a job and I wish to pay on his behalf, but I think they don't underastand the word that 'I want to pay'. I undersatnd that each one is here to earn, but one also needs to understand that if the person who is taken the card is not able to pay there is someone who is willing to pay on his behalf and should be appreciated and helped.

Can anyone see a pattern emerging here - the same illustrious mr mohammad who was so completely unacceptable to ms tonibelpriones has just been on the phone to me. my fault, and it is just that, was that I missed one months instalment which I should have paid on the 2nd of sept (today is the 26th sept) and when he called last week, I told him that I would pay but for one reason or the other, couldn't - I have been a client of theirs for over 2 years and make regular payments on a monthly basis - this complete clown of a man starts screaming down the phone at me, trying to be insulting - I maintained my composure and told him to calm down as otherwise he will give himself a heart attack... he kept on screaming. what is the objective of this? to scare people into paying? do they not realise that all that's happening is that their bank is getting a bad reputation by so many people writing complaints? -

to the rak bank management: gentlemen, if this is a policy decision to have total and utterly uneducated idiots representing your bank, I would suggest that you kindly re-think your decision because honestly speaking, they are only making a bad situation worse.in the 16years that I have been living in the uae, I have never encountered such flagrant rudeness, disregard for a customer nor unprofessional conduct. thank you.

Hi, I have faced similar situation by rak bank, I lost my job and currently out of uae yet still I am making payment for last 5 months, however now I have reached a stage where I cannot continue to make this payment. I explained them that despite outside uae I am making payments as I want to but now cannot pay the minimum amount so please give me a easy installment option and I will continue to pay. initially one manager said make this payment and I will give you an option and when I made that payment he changes his statement and said now payment the next payment and call me once I did that again he said you continue make the payment like this and your payments will be cleared. I took money from a friend for that payment as the agent promised to help once this is clear. now they are threating for a legle case, although I am out side uae so they cant take me to jail. I need your advice how I can proceed, I want to pay despite I am outside however just want them to cooperate and give me a easy installment option to help me pay regularly on which they are not agreeing and this leave me no option except not to pay as I dont have funds to pay. but same time I dont want any case against me. do you guys think they will put a legal case, becuase many people told me they dont do cases inless amount is big more than 50, 000 mine is half then this. please advice. you can email me at fifty. [email protected]

RAK bank is the biggest looter and the worst bank in terms of service. It harasses its customers to the core if they miss a payment or two. All the collection agents sitting in their office near the Grand Hotel are Grand [censor] and [censor]s. They think they are some kind of FBI Agents when they take you to a room for interrogation and threaten you to pay up or face dire consequences. They have no human sentiments and don't care whether some one has lost his/her job or has serious financial problems. These [censor] will rott in hell and will face similar situations sometimes in their life. What you do to others will happen to you too anytime sooner or later in your life. What comes around goes around.