Rakbank / The National Bank of Ras Al Khaimah

I had credit card with rak bank in uae when I was working in abu dhabi and due to bad sponsor and bad management I had to leave the country that too they made me to leave the country in bad way for which I am banned in the country for furthur jobs. Due to which I had financial crises for many months and I was unable to make payments for the credit card.

I had emailed them several times that I can make the payment in installment or I can pay them in emi which is accepted in every bank in but rak says they won't accept the payment like this, and they want all the money in one shot, which is literally not possible for my at my current situation. I requested them many time, and I had some payments as well but this bank despite of knowing all the situation are imposing interest further and making the things critical for me, and now a days they started threatening me for making the payments. And even my old parents are suffering because of all this mess created by bank. I tried to contact senior officials in the bank but never got there contact ids.

I am writing here hoping to get some help from here, I never said no from making payment only thing I require is some time may be of 4-5 months and they should roll back the interest rates imposed on me so that I can make the payment for the actual I had spend which could be in benefit of both.

Credit card no : [protected]
Bank : rak bank
Uae

Regards
Aby george

This is with ref towards the insurance claim of my card [protected].

Im so sorry to say that the response from Ms tanias end is totally dejecting and just because of her irresponsibilty and wrong information I have lost my insurance.

Upon losing my job i called up RAK bank and they guided me to your number and upon calling (after trying for 1 full week where everytime the call would deliberately go in voice mail, which I was able to understand from my experience with your service) you had informed me to provide my Termination letter, Visa cancellation page, Offer letter .Ms tania fernandez informed me to come to the branch and provid ethe documents.You also added that the same will be processed in 3-4 weeks.U informed me that I can submit the same within 3 monthsupon cancelling my visa

I came to your office as per your instruction and at that time you told me that you need the visa page without cancellation.
Later on I scanned the documents and forwarded to Ms Tanias end.There was not any response and i used to try daily to conatct her and for a month thecalls were not answered and the same as mentioned before would go to voice call.Finally I got the phone connected to one of your colleague and thru her i got a chance to speak to you.The way of your talk was so rude and you were yelling at me and you told that my case will definitely get declined because i have crossed 60 days upon losing mey job.Later on you told that you have not recieved any information from the insurance, and again you gave me hope saying that my insurance may get processed as my termination was genuine.

Now Its going to be 6 months and till date no response and nothing.Im entitled for around 4500 Dhs as I was paying for the credit shield.My termination was genuine and if my insurance claim is declined its nothing but coz of your improper information which have misguided.If you misguide in such a way no one will get their insurance cliams.Upon losing my job, when i calle d her up why didnt they inform me the procedure, why did she ask fo rteh cancellation paper.
I need a clarification or else i will go legally against this and would definitely make the public aware of such forgeries that the employees are doing inorder to make a persons insurance get declined.I swear that I will go to any extend to make this sorted out so that atleast the rest people will not get fooled.

Sajina
[protected]@gmail.com

my husband has just been made redundant from work which really affected our financial situation. I have been trying to regularize payments with my RAK Bank credit card and have requested their bank to reconsider letting me pay an amount i can afford at this stage until i am able to regularize which is about 2months from now. at least i am exerting effort to pay something rather than run away and not paying anything. i was AED120 short from what i was asked to pay. unfortunately, this wasn't acceptable.. then i started receiving threats from the bank that they are now going to deposit my security cheque...not 1 SMS, but continuous SMS since yesterday, every 30mins and its still ongoing while im typing this complaint. it must have been 200+ msgs of the same thing. i have called their call centre and they said they'll report it to their technical team... until now, it is still continuously sending me non-stop that i am having a hard time making outgoing calls or txts because of this. they are forcing me to change my number... they are just unprofessional and inconsiderate.