Rakbank / The National Bank of Ras Al Khaimah
reviews and complaints

My name is Prasenjit Dev. It's today that while I went for banking in one of the RAK BANK counter in Dragonmart 1 and happen to meet Mr Sajth kumar in counter no 4. The person sitting is not only rude while serving a customer, his behavior and selection of words while dealing with customers is also wired.
I have been using RAK BANK services for quite a long now and is an active member since 2009. Sorry to say but having people like this as your staffs gives a bad reputation to your brand image.
I am attaching the Banking receipt for the proof of the visit. will appreciate if the incident is followed up.

I would like to share my disappointment with the bank. I have changed my job, called the bank and asked if I needed to update my documents: the answer was NO!

2 Weeks later, without informing me, my card has been blocked.

I had to visit the bank to gave all my documents and explained the situation, that was 3 weeks ago. There, they told me that the problem will be solved within 3 to 4 working days.

3 weeks and 11 calls to the bank after I am still waiting for a professional action from you. I have been available every day to provide the documents requested, however no one has been professional enough to tell me what they really needed.

It is the worst customer service I have experienced in my life!

Hi

im writing this to inform you that i have submitted my documents including personal password protected EStatements to one of your sales representative to open a new account with RAK Bank, his name is Velsbert([protected]@gmail.com).

This is third week since i applied but still there is no replay from this person through whats app. he have seen my messages but still no reply, request you take an action against this person, because i have submitted my valuable documents to this person

Hope you will response soon

Many Thanks

Regards
Suhail
suhailm.[protected]@gmail.com

I have been a RAK Bank customer since 2009, and contrary to some comments i read on the internet i was very satisfied with their service. In fact i referred four other friends to get RAK credit cards for themselves. It was only when i placed a request for cancellation of my credit card, the nightmare started. I was made to run from pillar to post, branch to call center and again back to the branch for a simple service request confirmation and have still not received it. "We don't give it, do what you want" was the response to my pleading. Understand that as per law, it takes 45 days to receive a no liability letter from the bank, but this was not what i requested. I closed the card through debt consolidation and i have a requirement to submit proof to my bank that my request for credit card cancellation has been accepted (this is not a no liability letter, but just a confirmation that my request for cancellation has been accepted by the bank). i had two other cards from Citibank and Najm where i actually was concerned regarding my cancellation request. To my surprise however, both Citi and Najm were extremely cooperative and i received my cancellation confirmation from them without so much as a "please". I was confident about RAK bank doing the same but these guys did not even want to listen to my problem. At the branch i met at least five other people with similar issues who were turned away like this. Very unfortunate. I wrote several emails to customer support, after which i got a call from a lady Adithya, who told me the same thing. "We can confirm verbally that your request for cancellation has been actioned, but we will not give anything in writing". How does that make sense? As a customer, do i not have the right to have it on record that my cancellation request has been accepted? There is simply no logic in this explanation because for everything else, you get a text message or an email. you spend on the card, you get a text, your payment is coming up, you get a text, you reduce your limit, you get a text and email, you increase your limit, you get a text and email. you overspend, you get a text and email, there is a promotion, you get unlimited texts and emails, you change your password, you get a text and email, you make a payment, you get a text and email, you transfer money, you get a text and email. They do not find it inconvenient to flood your inbox with promotion emails and keep making unsolicited sales calls to sell something or the other. But, you place a request for cancellation, you have committed the biggest sin on Earth. No email no text, nothing. you go to the branch, explain the situation and practically beg, they don't want to listen to you. On the other hand, the lady manager at their Ghusais branch was arrogant enough to ask me to approach the Central Bank. Wow! In which way is it illegal or a loss to the bank financially or in any other way if they simply notify the customer that their request for card cancellation has been accepted and that after 45 days they can approach the branch for their no liability letter? all other banks do it, so don't see in which way this could hurt RAK Bank. I was reading the message from their CEO Mr. Peter England, a part of which quoted "We support our customers during key moments in their personal and professional journeys, at every stage of their lives. With a deep commitment to ensuring customer convenience" Well, unfortunately that did not work in my case. I kept running around and speaking to anyone who could help but they just treat you like dirt once your relationship with them is over. Not being someone who would raise his voice or create a scene in public, i had no choice but to return disappointed. Hurts more as i used to go around telling people to bank with RAK Bank because "they don't harass their customers" Well, i change my mind today. i might be a drop in the ocean when compared with the total business they do and it might not make a difference to the bank itself, but i am never doing business with RAK Bank anymore and neither will i ever refer or encourage anyone to bank with them. They used to be good. Don't know what happened. I may still not get what i need from them, as it seems they don't care but i am never going back to that bank again. I hope they themselves, individually never face a situation like this and get a taste of what helplessness means.
My Suggestion: Conduct a survey of your customers and find out how many faced this exact problem: you will be surprised.
We all have jobs and i understand what is meant by policy constraints. What i do not understand is how a simple service acceptance notification would in any way harm a massive organization like RAK Bank. If you are reading this, please note that this is not something that will wreck your company. On the other hand, it will help harassed consumers and generate a lot of goodwill in the market for your organization.
My Name : Amrit Raymond
My number : [protected]

Due to job loss I couldn't make payments for 2 months and started again last month.Your agent Syed Kumail sent me 5 emails every day harassing me to make the minimum due which I made including charges.He confirmed after making this payment I would be back to normal and making my minimum payments till my job is sorted.Now this month again they have raised the charges and asking for 1013 as minimum amount which is completely false as communicated by Kumail.Agent named abbas Ali sent me numerous emails and I confirmed what Kumail had told me last month.I could only pay 500 aed per month till my job is sorted/my limit on card is 6k.Abbas ali is a fraud and a completely unethical person who should have no role in banking.Out of numerous emails he has sent me, his designation has changed from accounts executive to manager legal to head of legal department.I have a record off all.When MS kurubin emailed stating she's the team leader, I emailed her about the same and how the staff is be fooling customers.I was shocked to see the next email from Kerubin with her designation changed as well to head of legal RAK.

I will surely consider taking this to central bank or highlight the issue on social media so a bank with the stature of RAK knows better as to who they should employ.The staff is of low ethical values and full of greed misinforming customers and harassing them unethically.

Lastly your staff Abbas Ali has also managed to create a fake email address of a government of Dubai official which he includes in the email.This is a grave insult and unlawful.

I hope you look into it and take care of it.Sime rotten apples can't define your bank.

Regards
Tahir

I have applied liability certificate on 02-05-2018 at rak bank - umm hurair branch and bank informed that letter will be generated within 7 working days however it generated after 8 working days (14-05-2018, monday) and I received msg on 15-05-2018 from branch that your certificate is ready for collection and same day I have collected. I have submitted to other bank but unfortunately adcb bank has also taken 3 working days to prepare the manager cheque during that my liability certificate has been expired on 20-05-2018 and I have re-applied for liability certificate on 21-05-2018.

With reference to above, I would like to draw attention that bank needs 7 working day to generate the certificate but they only give 7 days validity including public holidays for the letter out which banks are taking 3 days (1 day - when letter issued and 2 days - weekend). Only 4 days left to complete the settlement procedure.

Further, when I have contacted customer service team on 24-05-2018 and understand that my application is not registered in your system till date.

Can you please advise the reason why it has not been registered?

I have deposited AED 900/- in RAK Bank ATM machine yesterday, 22 May 2018 @ 09:38 p.m. in Al Ghurair Centre, Dubai, UAE.

Till now the said amount is not credited in my account.

I want to speak to your Customer Service but it seems only voicemails.

Please do the needful as soon as possible as I need my money.

My name is Jhoanna Ivy Obcena
Mobile No. +[protected]

I have an outstanding creditcard payment with rak bank, due to job loss im now back in india.now a recovery agent named krishnakumar form global solutions something like that is harrasing me and my family in kerala .he is sending people to my home and threatening me and my family.my parents are aged and both are heart patients.i even requested them not to visit my home. I told them to mail me a detailed statment and show some proof that they are sent by rak bank. For this they reacted by sending their agent to my neighbours and informing them my debt and that i will soin be in jail. Kindly do the need full and please stop this harrasment .i dont have a job right now.already me and my family are not able to face our neighbours and friends because of the. Today my dad told me that if this goes on 'WE WILL SUICIDE'.
I am not running away from my debt.i will pay and clear all my debts.please give me time until i find a job.
The agent that called us named himself as krishna kumar and he said that he is from global recovery solutions something like that.he said that rak bank has authorised him fir recovery... kindly stop this harrasment. Please..

I was having an outstanding balance of 10442.80 AED on the April'S statement which should be paid before the due date of 10/5/2018.
I settled the whole amount on 6/5/2018.
To settle this, and to avoid the finance charge I had taken a loan on card.
But, I was shocked to see the current statement Bill. a finance charge of 195 is shown apart from my 1st month installment. I need help.

Dear Rak Bank Collection Department,

My Ethihad Credit report has worst score and showing outstanding of Dhs. 5575/-. I remember having my last credit card back in 2004 from RAK BANK and it had credit limit of only Dhs. 2000/- which was settled before leaving UAE in Aug or Sept 2005.

I am shocked to see that my credit card is still active and showing write off.

kindly revert back as I am tired of visiting branches are waiting for your call as bank branch has no clue who I am and what is my problem.

I remain loser just because someone back in 2005 has not worked properly. If I was really defaulter than why you have not filed police compliant against me?

My credit card had some due amount left to be paid, which I couldn't pay for some unavoidable circumstances. The bank decided to hand over the matter to a collection agency in India, the man has been harassing my family and relatives for the past few weeks. They keep calling them from various numbers, threaten them, and it's more or less like they have been harassing them mentally for all this time. I've already sent an email to the bank regarding the issue on May 16, 2018. It is requested that the bank doesn't resolve such issues with such unethical and illegitimate ways. There are much more civilized and legal ways to solve such issues, please resort to them when dealing with customers.

Ref: Complaint number [protected], please update my record in Al Etihad Credit Bureau.

I called hotline on 4th of May 2018 to request to update the record in Al Etihad Credit Bureau> The loan and credit card which has been closed in October 2017 but are still showing. report taken was dated April 26, 2018

Sent several follow up emails, phone calls, visited the Sheik Zhayed branch.
Up to now I haven't got any reply from RAK BANK.
I pulled out another Credit Bureau report and the records are still showing (May 13, 2018)

I've been wasting money and time for this.

Please resolve the issue and get back to me

Thank you very much

Mark

I have been into rak bank past few days to get release letter from bank for my car loan which is completed year back...when i approch the bank the staff said you have to pay 543 aed as ledger charge, when i ask about the charges for what they said its not for maintain the balance..I have activated this account almost 8 years from now and the person came from rak bank ensured me its a zero balance account which dose not required to maintain any balance, for the reason i have open the account.Now when i reach the bank they said its chargeable account and they make me to pay 543 AED for unknown reason and my all statement is coming from bank is ZERO which i shown them and they admitted its banks mistake since its not notified to you..also few years ago while i was taken loan i remember bank charge 3 time auto loan from my account in same month when i ask they give answer which cannot be digested to anyone...when i come across such incident i ask i want to make early settlement then they said no you have to pay on installment or you have pay huge amount of closing fee, , , so bank dose not have any issue to drain the account as they wish...next time i have made a transaction of 200 AED and they charge me same 200 AED + as a service charge which surprise me a lot and when i ask bank simply said its technical error we cannot return it..due to all the circumstances i stop use the card all account with bank and i am afraid that they gonna eat all my saving for nothing. Today i have simply paid of 543 AED for their guilty and they are saying that we are legaly covered because you blindly signed our terms and conditions...i am surprised to ask why this way..and the answer was quiet interesting if you want go and file case we are legally covered in all aspect and its your guilty you are signed the condition, when i ask back the same question to the same agent have you read all terms and conditions they said no then i ask how others will read it they said its not my problem..i am currently working on a organisation with more than 8000+ employess and i am make my employees aware and if possible to get ride of all rak product and not to get trapped here.

its kinda disappointing to lose the money for no reason for nothing..

Hi,

Today, 7th May, 2018, I got a call from an unknown number claiming that he was calling from RAK Bank. He said that a friend of mine by the name of Azhar Imam has taken some loan from RAK Bank and submitted my name as the guarantor. He was threatening me to pay up since the person is absconding. He also threatened that if I do not pay up, he will call up my other friends (whose information he probably got from Facebook or some other website) and tell them that I had taken a loan and am not paying up.

I do not know a person by the name of Azhar Imam. Also, how can I be made as a guarantor in a loan without my knowledge. He has been continuously calling from different numbers. Below are the numbers from which I have been getting calls:

9560023728
9910403861
9910067137
9958300989
7042288817
8800280600
8800332578
9650027165
9910402718
7042277118
9870584413
9910559027
9810309312
9971117548
9910076805

Could you please check if these are actually people from your organisation and why are they harassing a person who does not have any connection to your bank.

-Aaquib Zama

Dear Ms. /Mr General Manager

My name is Ioana El Bada co-founder at Hit High Events and Advertising Agency, In March 2017 we came to the Rak Bank at Ibn Batutta Mall Dubai to open a business account, Mr. Sameer Kumar Verma was the officer in charge and showed us all the options that the bank could offer at that time.

Business account

We decided to choose the packages that includes, business account, personal account and investment.

We are a free zone company, when we opened the account your employees told us that being a free zone company we need to have each and every month in the account the amount of 25.000 AED, amount that can be deposit on the date of 25th of each month so we don't get fined for not having the minimum amount in the account by the end of each month.

They didn't tell us that the minimum amount of 25K shall be during the whole month in the account.

Mr. Chandra Sekhar Naidu is in charge with our business account, and Mr. Sameer with the personal account.

Mr. Chandra was very clear when he inform us that it is not a mandatory to have the amount of 25.000 AED during the whole month, only at the end of the month!
What is important is that by the 25th of each month the count should have a minimum amount of 25K to avoid getting penalties.

We have deposited money on a regular basis, with few exception, however for the months when we have exceeded the minimum of 25K AED we were still charged and penalized without any reason. Please see the attached overview from our account with the penalties applied and our concerns raised!

I want to understand why the bank is charging us money when we have the minimum requirement of 25K AED in the account and why there are also other small charges which it shouldn't be there!?

We have informed Mr Sameer and Mr Chandra about the problem and it's been a few months with no resolution to our complaint. This is why I see myself in the position of taking action as a written complaint to the bank directly!

We have trusted Rak Bank to be the best best for us, but with the difficulties we are facing it looks that the bank doesn't respect his customers and its promises to them!

Resolution

If no resolution can be found in our case and fast, we are really thinking to close the account and to move to another bank where the staff are well prepared and the bank respects its promises to his clients!
This bank troubles kept me and my partner busy in the past months more than our own agency activities and still we couldn't find a resolution to close the issues once and for all!

I will arrive with this complain till the court because what was told when we open the account and what we were advise to do, is not what we see now happening with our business account and with the personal account as well.

We are not doing any Forex transactions or international ones, as you can check the account easily, so all these penalties of 50AED every month doesn't make any sense!
Please kindly see the below bank account details and waiting for a fast resolution!

Business Account
Hit High Events And Advertising Agency
Account Number : [protected]

We are waiting for your advise and we hope this issue to be fixed as soonest.

Awaiting for your answer,

Best Regards,
Ioana El Bada
[protected]

I had requested for a profile update (a/c# [protected]) on 26th March 2018 at RAK bank, near AL Noor Branch. Its been 3 weeks now and I am not getting any update. Since then my account has been frozen, I cant make any transactions and my business is getting affected badly. The agents at the centre are taking it lightly and they say they would contact us when its ready and that there is no point in following up daily. This is Dubai and things get done in hours and specially when its business related, authorities have to act fast to help the customer or support them to get them on their track as quickly as possible.

My name is Anis Veljee holder of card no. [protected]. I had an outstanding amount of Aed 9835.05 which I had paid the entire amount but left.5 fils. Due to this your bank charged me finance charges of 362.13 which after speaking was reversed. Now since the reversal took time they have charged me a late fee on the reversed finance charges of AED 262. I need help cause I cannot afford to pay 262 aed for missing out 5 fils. I spoke to the agent once I got back from my annual leave as I had gone for my marriage to India and he told me to pay the 10 Aed to make up for the 5 fils I had missed out. Now your bank tells me I have to pay the late fee. Kindly help me out as I haven't missed any single fil before and just for 5 fils I will not pay 263 aed. Look forward to your positive reply!

I have never defaulted before and this time since I was leaving for my marriage in India I paid the outstanding in a hurry and missed out a couple of fils.

Kindly look at my statements to get a better understanding.

It is also very impractical to pay a delay fee on a charge that has been reversed.

Please look in to this matter because I cannot affor to pay a 262 AED fine for just a few phils. I ran to so many outlets, nobody has helped me yet! Please look into it!

Thank you,
Anis Veljee

Two days back I have requested to transfer my salary to my india savings account (10000 aed) in rak bank king fiscal branch-sharjah, (07-04-2018 transaction date)
By mistake I have provided worngly account details to transfer money, after I went to bank and requested to stop the payment, they requested as well.
On 08-04-2018 I have received money (9548), they have deducted 492 aed,
I called to rak bank customer care team asked clarification about charges, they informing india bank also charged for reverse the payment with rak bank processing charges.

7th payment not reached to my india account, I have checked with india bank team during this transaction. Even though they charged they have charged

Please help me and charges are very high, I asked customer care team they are not revealing the entire details.
If not clear I will provide my bank transaction details

My number :+971-[protected]

Greetings,

My self Muhammed Ansal M B, has applied for a personal loan in RAK bank through Mr. Vinay Bharara (Sales Representative). I am working in oil field so my work rotation is 28/28, and mentioned representative knew about my rotation. My loan was approved on 6/8/2017 & the representative ask to submit the liabilities with the other banks. I had 03 liabilities and the primary liability was with ADCB. Up on his request to submit the liabilities, I agreed to submit on the day I go field break and he agreed the same. When I was going for Field Break, I got all the liabilities and submitted to the representative on 16th September 2017. At the time of submission the representative told me that I must appear to submit the cheque for the main liability to ADCB & until that time I didn't know about that I've to appear to submit the cheque to ADCB & the representative didn't tell me about that in advance. As he well knew that, I have to go for vacation on the same day, he should have updated me the information in advance but he failed to do so. If he advised me in advance I could have booked my ticket according to that & I could able to submit the cheque without any issue. Due to his poor information sharing, I booked my ticket as normal to fly on the same day & I couldn't stay for the submission of the cheque for my main liability.

For second time the representative informed that the liability won't be valid when I will be back & he advised me to get a new liability & requested me to wait for 2 days during my next vacation. So I informed him that, 14th Nov. 2017 I'll be back to city from the field for field break & told him I will wait until 16th Nov. 2017 to submit the cheque & he agreed. So I applied for the second liability from ADCB. But the meantime from October 2017 onwards my EMI was started for my loan from RAK Bank. I surprised, Since I didn't receive the loan amount how did the EMI start, so informed the representative regarding the EMI & he stated as he'll check & let me know, but there was no any update regarding the EMI. The same time Mr. Vinay Bharara has gone for vacation & introduced me one of his colleague Mr. Sachin for further follow-ups. On 14th Nov. 2017 I submitted my second liability from ADCB to Abu Dhabi sales branch & informed the representative. So he said I can submit the checqe to ADCB by 16th Nov. 2017 & can leave for field break. Based on his advice, I booked my ticket to fly on 17th Nov. 2017. I waited till the bank working hours & there was no any information regarding the cheque. So I contact Mr. Sachin, he stated that, Mr. Vinay didn't handover any proper information regarding my issue & requested me to wait till Sunday (19th Nov. 2017). But as per Mr. Vinay's instruction, I've already booked my flying ticket on 17th Nov. so I couldn't able to stay until 19th Nov. 2017. So I registered a complaint against Mr. Vinay regarding my issue on RAK Customer Service & inquired regarding the loan cancellation procedures.

As that was Thursday, the customer care service officer said he is helpless on that time & registered a complaint & advised me that, the cancellation should be done through a branch only. On the same day evening I went to Ibnu Batuta Branch in Dubai and discussed with customer care officer Mr. Sachin & I told him that I'm not interested to go through the personal loan & requested him to initiate the cancellation process to bring the loan issue to an end point as soon as possible. He said as there is no any sale department on that branch & it should be processed through any of the sales department. The same time I explained him my circumstance & the next day flight information as well. And the EMI started due to the RAK Bank paid one of my secondary liability with Citi Bank Credit Card. So I informed the customer care officer that, I am ready to pay the amount which was paid to Citi Bank credit card by cash in order to proceed the loan cancellation. so he contact with some officers in the sale department & updated my information to them & I talked to Ms. Sameera from sales department & I explained her my issue. The next day I left to India as I already booked the ticket. When I was in India, I got a call from Ms. Jenny as a part of the follow up regarding this issue. After the telephonic conversation, she send me an email as well; after that there was no any updates regarding this issue. When I get back to UAE on 11th Dec. 2017, I tried to call her several times but no response from her side, then I sent an email but there was no any reply on my email also. So I contacted Mr. Vinay and informed him regarding the cancellation plan & he also said he'll proceed the cancellation.

Since my arrival, the RAK Bank Collection Department keep calling me regarding the overdue of the EMI. I explained them the scenario of my case. So they said, they will check the issue & will get back to me soon, but nobody contact me until the next installment date. Once they called on the next installment date, I explained the same & they replied the same but there was no any updated from their side. During this time I was trying to contact the representative Mr. Vinay but he didn't respond on my calls. So 04th Jan. 2018 I went to the Abu Hail Branch to meet the representative. Before I entered to Mr. Vinay's portion I tried to call him but he didn't respond as usual & when I was entering to his portion I while keep calling him, I found his phone was ringing. At that time I realized that he was keep ignoring my calls and he was trying to abandon me. However finally I got him there & he told me that, my cancellation is under process & will update me as soon as he gets information. But still there is no update from his side. The same day I met one of my friend in the same branch & his manager sent email to the concern department to follow up the cancellation process.

On November 2017 I requested them to cancel my loan but I received two emails on 26th & 27th of March 2018, one of them was regarding the cheques issued based on my previous liabilities. Once I received these email I contacted the customer service from India to inquire regarding those emails. But they told, I should visit to the branch to discuss about that. I reached UAE on 1st April 2018 & the next day morning I went to Musaffa branch & met the customer service manager & customer service officer, but they told that, if I need to cancel the loan, I've to pay 29, 000 AED or otherwise they advised me to go to the sales department to get more clarification. So I went to Abu Hail branch in Dubai on 02nd April 2018, from there they sent me to the collection department, but unfortunately nobody was there from the personal loan department attend my case. The next day 03rd April 2018 morning I went to the collection department & met Mr. Manae Ali & discussed my issue. So he needs few days to gather some information from sales department for further clarifications & advised me to register a complaint.

Only because of this issue I suffered very much, I wasted lots of time behind this case. And finally the bank wants me to pay 29, 000 AED as my current outstanding for a loan which I didn't consumed yet. Only 10, 500 AED paid to clear the liability with Citi Bank credit card & I am ready to repay that amount which used to clear my Citi Bank credit card & I am not responsible for the extra charges as I didn't get the loan amount. I strongly believe that there is no any fault happened from my side & I followed all the instruction from the representative Mr. Vinay. So all of these issue happened due to the miss guidance & advices of Mr. Vinay & his carless information sharing. At last he abandoned me. Only because of his lack of information sharing, now I am being a victim. If I don't withdrawn from this issue it'll badly affect me in future. As I am working with Oil Industry & my work rotation is being 28 / 28 I cannot come out of the field frequently to follow up this issue & it'll affect my career badly. Because of this I am physically suffering a lot, mentally depressed, Financially weaken & losing my money on this to travel from Abu Dhabi to Dubai, to stay in Abu Dhabi for follow-ups. I don't want to keep continue this issue in future & I need full stop on this issue. So please kindly do the needful to clear this issue & MAKE ME FREE.

Please note that, I don't intend to put that representative Mr. Vinay in trouble, but please advise him not to repeat the same with someone else again.

Thanks for your valuable time.

Best Regards,
M. Ansal M. B

I am writing this on behalf of my brother who has a rakbank credit card for more than 3 years now. He had maxed out the card 2 times and both time cleared the total outstanding on it. This is the 3rd time the card was maxed out and this time for the past 6 months he has been making delayed (not default) payments. He keeps getting more than 7 calls per day from rakbank and he answers the call and tells them when the next payment can be done.
Recently they have started calling me, instead of him saying he has not been picking up the calls, which is funny because they called him 5 mins before they called me and I heard him talking to mr. Rizwan who asked to make a deposit of aed 1000 that and the rest of the amount to be paid later next week. Mr rizwan calls me the next day saying that my brother was not reachable and has not been answering his calls to which I told him I know ur talking to him and as per your advice he has made a payment of aed1000.

Two days later rizwan calls me instead of my brother asking me if I have had a chance to talk to my brother to which I asked what should I talk to him about? He says regarding our conversation. I told him that since you spoke to my brother and he made the payment as per your advice what more do u want me to speak to him about. Every day after this I am getting calls on my number from different people from rakbank (though I am not the cardholder) telling me that my brother is not answering his phone and then calling up my brother within minutes threatening him saying they will deposit the security cheque by 5th if he doesn't pay remaining aed 1200. My brother paid aed 1000 on 2nd and then he gets a call on 3rd saying if balance aed 300 is not paid the same day the next day his cheque will be deposited.
First they threatened to deposit cheque if not paid by 5th then they said if not paid by 3rd. I wonder are they playing games. Do they change dates as and when they want? Is this the way to treat customers? Especially customers who are making the payment even though the payments are delayed? I wonder what they do to people who do not make payments at all. We pay financial charges for the delayed payment plus have to listen to their abuse (not fair) and the irony is in the fact that we are listening to this because we are still in the country trying to make the payments rather than running away.
Who decides to threaten to deposit the cheque every day? It's become a joke now with us... Every day they call and say we will deposit today, tomorrow.
Don't they have a system that once a customer is called for the day, details are logged in so that 100 people don't call the same customer asking for the same thing.
I also want to know on what basis are they calling me and harassing me (asking me whether I spoke to my brother, he is not reachable etc, then calling him as soon they cut the call with me) and we are thinking of filing a case against them for this harassment.

It's not as if we are going to run away without paying, we are picking calls up and are making payments (though the payments are delayed). Don't understand why they need to lie and threaten people.

Mr rizwan (he was the worst of the lot.. Kept abusing my brother), mr. Hector, mr. Alan, ms sadiya and all the other 100 people who keep calling every 1 hour from rakbank... Please coordinate among yourself, keep track of your to do list and don't waste time calling the customer all over again.. Imagine the number of other poor customers (and their relatives) whom you are missing to call and threaten and make their life miserable.
As far as we are concerned, we will continue to pay our debts (even though delayed - for which they are charging us financial charges) till it's paid in full and record these entertaining conversations with rakbank for future use. Hope for some sort of coordination from their collections department and hope that the calls become one per day.
Signing off without expecting a response from their side….