Royal Bank Of Scotland [RBS]
Reviews and Complaints

Hi

Case Ref : [protected]

10/08/2023 I intended to transfer £200 into my sons account for his birthday but transferred it into his football coaches account Mat Gray.

But sadly Mat had passed away a couple weeks earlier. So when I phoned they said it could take up to 3 months to retrieve. Nothing happened so phoned again, and they said the same thing again. so waited and nothing, so phoned again and was told they could not get the money back.

So I then contacted the Financial Ombudsman who would take on the case but needed a closing letter from the bank.

I was then contacted by the bank and offered £100 and if I accepted could still claim the rest from the Ombudsman, so I accepted.

I have contacted the bank twice now and I'm still waiting on a closing letter.

Really hope you can help

yous sincerely

Graham Bannerman

I've just discovered that you have gone and changed the way we have access to my account online I'm absolutely livid why was I not informed by post that you were making these changes I had to find out when I tried to access my account. This is completely unacceptable. I now have no way of accessing my bank account as I have no god damn mobile phone and I have no intention of buying a a mobile phone . It looks like I have to go back to the old way by going to a casline machine . I'm not getting any younger and now the royal Bank of Scotland has to go and matters even worse for some of us . Your closing banks that were close to some of us and making it difficult to get to a bank. I think I will be changing bank accounts to another bank that is closer and that will not be closing there doors to there customers like the royal Bank of Scotland just to sVe a few bucks and doing people out of jobs.

I have both these cards the debit being sent to me by yourselves. I have no mobile signal at my home so I am not recieving my one time codes when I try to buy things. Your details for me do not allow use of my landline to recieve OTC so it would appear that the codes are being sent to my mobile. My nearest signal is ten miles away. Can you somehow arrange for my landline to recieve the codes please. Thanks, Roger Bichanicz.

My two letters have been totally ignored. It is a very simple request. All the required information is within the second letter reproduced below:

Customer Relations Manager
1st Floor, 2 St Phillips Place
Birmingham
B3 2RB
England

Dear Sir/Madam

On 13th October 2020 I wrote the following to your company, the Royal Bank of Scotland, and as of today have received neither an acknowledgement nor a response to my letter.

I attach a copy of this letter, but in order to hopefully expedite what seems to be a simple request I copy the contents below:

Further to the recent enclosed correspondence with Phoenix Life I understand that your Company still holds my policies [protected] and [protected], originally assigned to Williams and Glyn's Bank Limited on 12th November 1982, a company which you absorbed in 1985. Any charges that may have existed against these policies would have been discharged at least 35 years ago.

Phoenix Life have suggested that I request the return of these two policies, or failing that, they suggest that I ask you to provide a letter of ‘no further interest' in policies [protected] and [protected].

Phoenix Life will then be in a position to process any further claims.

Your prompt attention to this matter would be much appreciated.

I am sure that you will appreciate that after nearly 40 years in your Company's possession, and with any loan that they may have secured being well and truly repaid, it is time that you either returned the policies to me, or alternatively provided the letter of ‘no further interest' that Phoenix Life has requested.

Perhaps this time might I expect a response, being as how I'm directly contacting the Customer Relations Manager for Personal Accounts?

I look forward to your reply.

Yours sincerely,

Hamish W Bain

enc. Copy of letter dated 13th October 2020
Copy of Phoenix Life letter 21st September 2020

My Name is Umeshbhai Navinbhai Patel at Anand Gujarat India
I have sell my one kidney in Rs.5 crore Indian rupees. Half payment of 2.50 crore may transit for tranfer
Bank has paying for Rs.45, 500 for COT charges paid urgently if not pay transaction may be cancelled.

So I know about this is true. Please reply me very urgent in my mail id [protected]@gmail.com.

RBS ARE THE MUST VILE ORGANASTION EVER TO HIT THE HIGH STREET THEY SHOULD BE BANNED FROM TRADING FOR LIFE CUSTOMER SERCVICE STAFF AT THER CALL CENTRE TELLS LIES PROMISE COMPENSATION THEN DO NOT PAY COMPLETE LIERS AND VERY UNTRUSTWORTHY PLEASE DO TAKE THIS ADVISE ON BOARD BECAUSE IF YOU DONT YOU WILL REGRET IT DUE TO THERE UNTRUSTWORTHY NATURE IN DEALING WITH MEMBERS OF THE PUBLIC EVEN SAYING THE NAME FRIGHTENS ME RBS ROYAL BANK OF SCOTLAND IT WOULD BE SENSIBLE TO USE ANOTHER HIGH STREET BANK RATHER THAN RBS

I have been using RBS Worldpay for 5 months now. I have not had any issues with them until last week. I noticed that I did not get my deposit, so I called on Friday. They said they are going to hold around $6000 because I had a couple chargebacks, which they already collected out of my bank account. Why do they have to hold more money if they already got the money back? They told me they would hold it for 30 days and I would get it back. Fine. I played along. He did tell me a couple more were coming in as well totalling $1100, which they also took from my account. He then told me no more funds would be held.

I ran a big sale and had great results and charged about $25K this weekend. Well, I check my account and nothing. I call up and now they elevate me to another risk department that now says they are closing my account and will hold everything in there (about $30K) for 6 months! I need that money to operate. I can't have that money tied up. Also, they gave me no notice and just did it. They said they mailed me a notice that I should get within a couple days. So, does that mean they wanted me to keep charging so they can hold more and more until their letter gets to me? These guys are a bunch of crooks and I have already reported them to the BBB and I will not stop here. I am going to make sure everyone knows who these crooks are.

I had a "life of the loan" agreement with RBS at a low rate. When RBS decided to "change" their agreement and triple raise the rate I decided to pay it off and cut up my card. After a fight, I called for the total amount due and was given the pay off amount and paid them off ($3700) on line that same day. I just received an additional bill for a finance charge. Very small amount but a principal issue. I refuse to pay it! I am retired, could care less if they send it to collections (if they are stupid enough to do that and I think they are) but I will not pay it.

RBS is a company who preys on good customers. I paid relegiously more than the minimum payment due.

They can take their Finance Charge and stick it where the sun "don't" shine.

I sent them back the invoice, paid the postage relunctly, and told them exactly that.

Ref : ABY/NRI-ACCT/[protected]/04
My name is Mr. Elvis Edward I am the auditor and head of computing department of Royal Bank of Scotland Liverpool Branch here in United Kingdom .There is an account opened in this bank in 2003 and since my inception into office on 2nd Jan 2009, I then found this account and when I investigated deeply by contacting the assigned next of kin I also found that the next of kin to this account was an american who lived in London for over 63Yrs and nobody has operated on this account again after 2004.

I took the courage to look for a reliable and honest person who will be capable for this important transaction. In order to transfer out $100, 000, 000 (One Hundred Million U.S Dollars)After going through some old files, I discovered that if I do not Remit this money out urgently, it will be forfeited for nothing and the Royal Bank of Scotland management might divert the funds to their own accounts.

Please respond immediately I will use my position and influence to effect the legal approval and onward transfer of this fund into your account with appropriate clearance from foreign payment department. You will stand to get 40% while 60% will be for me.Kindly quote the reference (acct) numbers above when responding to this mail.I will fill you in with further details upon your reply pkease reply with the following information.
1 your full name
2 your full address
3 your age and occupation
4 your phone number

Sincerely yours,

Mr.Elvis Edward

RBS Netbanking service not working from last 6-7 months, it's creating negative impact on RBS customers.
This is suggestion to you guys pls improve it and start it ASAP. due to this most of RBS account holders are going to open the account in others bank, me also within months.

In December 2010 I signed with Worldpay for a 3 year contract that I expected to cost me $25 a month maximum since business has been slow. The cost with less than $100 in transactions was $46.78. I called and complained and they refunded $9.99 of the fee although I was told that $15.98 would be waived. The following month the fee was the same
($46.78) I called to cancel the service and was told it would cost $495 to cancel. Nowhere in my agreement or in any conversation with Worldpay was that figure mentioned. I had a superviser call me and he appoligized for the mistakes in billing and told me the $495 fee could not be waived even though I was never notified what the fee was. That disclosure was supposed to be faxed to me after I signed the contract. But since I didn't have a fax, they didn't mention it. bottom line, it's a scam unless you do enough business to go above the minimum billing (which they knew I wouldn't from the sales figures I gave them on my business)

Dear Sir,

I am a credit card account holder vide card No.[protected] for the past two and half years. I have been regularly paying the due amount. My credit limit was fixed upto Rs.30, 000/- while issuing the credit card. Initially everything were gone smoothly, but later I am facing levy of extra charges on different heading namely over limit charge, late payment charge, interest and service tax etc., It was duly informed to you’re your bank by email on several occasions. In one occasion one of your executive threatened over phone while requesting the details of the levy of extra charges in the statement of accounts. I made a complaint to the Police Station as well as your Bank. Since you had given assurance to take action against the delinquent executive, I withdrew the complaint before the Police Station. Believing the words of the Bank, I withdrew the said complaint with good intention to continue the banking relationship with Bank. I further believed that I will not be targeted by taking revenge against me. But after the above said complaint, I am continuously harassed by way of levying the different charges against me on different headings. It is clearly reveals from the statement of accounts that the levying of different charges on different headings.
Since, I am very busy in my work I do not have time to verify the credit card statement. When I saw the monthly statement from February 2010 to November 2010, to my shock and surprise you have levied extra charges in different headings like over limit charge, late payment charge, interest charges and service charges. I am deeply disappointed with the charges levied by you without following the banking procedures. I have a grievance in my statement about the levy of different charges in my card. Hence, Kindly take the matter as serious one and look in to my credit card account from the statement dated 07.02.2010 to 07.11.2010.

In these circumstances the following monthly statements to show how I am facing the extra charges levied in my credit card account, though I did not avail anything from this card either purchase or withdrawal of money.

1. Statement Dated 07.02.2010

DATE DESCRIPTION AMOUNT
08.01.2010 OVERLIMIT FEE 600.00
01.02.2010 LATE FEE 650.00
07.02.2010 FINANCE CHARGE 1100.70
08.01.2010 FINANCE CHARGE 59.20
08.01.2010 SERVICE TAX 248.21

Total Charges levied in statement dated 07.02.2010 - Rs.2658.11
Amount paid on 07.02.2010 -Rs.2000.00
Hence without purchase anything the charges in card -Rs.2658.11

2. Statement Dated 07.03.2010

DATE DESCRIPTION AMOUNT
08.02.2010 OVERLIMIT FEE 600.00
07.03.2010 FINANCE CHARGE 1009.50
07.03.2010 FINANCE CHARGE 55.38
07.03.2010 SERVICE TAX 171.47

Total Charges levied in statement dated 07.03.2010 - Rs.1836.35
Amount paid on 01.03.2010 -Rs.2000.00
Hence the extra charges levied in card -Rs.1835.55
Purchased from this card on 07.02.2010 -Rs.294.00
3. Statement Dated 07.04.2010

DATE DESCRIPTION AMOUNT
08.03.2010 OVERLIMIT FEE 600.00
07.03.2010 FINANCE CHARGE 1106.09
07.03.2010 FINANCE CHARGE 61.48
07.03.2010 SERVICE TAX 182.05

Total Charges levied in statement dated 07.04.2010 - Rs.1949.62
Amount paid on 30.03.2010 -Rs.2500.00
Hence the extra charges levied in card -Rs.1949.62
Purchased from this card on 04.04.2010 -Rs.512.50

4. Statement Dated 07.05.2010

DATE DESCRIPTION AMOUNT
08.04.2010 OVERLIMIT FEE 600.00
07.05.2010 FINANCE CHARGE 979.49
07.05.2010 FINANCE CHARGE 56.65
07.03.2010 SERVICE TAX 168.51

Total Charges levied in statement dated 07.05.2010 - Rs.1817.15
Amount paid on 28.04.2010 -Rs.10000.00
Hence the extra charges levied in card -Rs. 1817.15

5. Statement Dated 07.06.2010- not received. Though I have not received the statement I paid the due amount based on the message to my mobile.
6. Statement Dated 07.07.2010

DATE DESCRIPTION AMOUNT
08.06.2010 OVERLIMIT FEE 600.00
02.07.2010 LATE FEE 650.00
07.07.2010 FINANCE CHARGE 921.59
07.07.2010 FINANCE CHARGE 69.58
07.07.2010 SERVICE TAX 261.73

Total Charges levied in statement dated 07.07.2010 - Rs.4, 041.17
Amount paid on 11.06.2010 -Rs.2, 500.00
Hence the extra charges levied in card -Rs. 2502.90

7. Statement Dated 07.08.2010- not received. Though I have not received the statement I paid the due amount based on the message to my mobile.

8. Statement Dated 07.09.2010

DATE DESCRIPTION AMOUNT
01.09.2010 LATE FEE 650.00
02.09.2010 OVERLIMIT FEE 600.00
07.09.2010 FINANCE CHARGE 949.27
07.09.2010 FINANCE CHARGE 77.53
07.09.2010 SERVICE TAX 234.50

Total Charges levied in statement dated 07.08.2010 - Rs. 2, 511.30
Amount paid on 07.09.2010 -Rs. 2, 500.00
Hence the extra charges levied -Rs. 2, 511.30

9. Statement Dated 07.10.2010

DATE DESCRIPTION AMOUNT
08.09.2010 OVERLIMIT FEE 600.00
02.10.2010 LATE FEE 650.00
07.09.2010 FINANCE CHARGE 932.37
07.09.2010 FINANCE CHARGE 75.02
07.09.2010 SERVICE TAX 232.50

Total Charges levied in statement dated 07.10.2010 - Rs. 2, 489.89
Amount paid on 06.10.2010 -Rs. 2, 500.00
Hence the extra charges levied -Rs. 2, 489.89

10 . Statement Dated 07.11.2010

DATE DESCRIPTION AMOUNT
01.11.2010 LATE FEE 650.00
02.11.2010 OVERLIMIT FEE 600.00
07.11.2010 FINANCE CHARGE 951.42
07.11.2010 FINANCE CHARGE 77.99
07.11.2010 SERVICE TAX 234.77

Total Charges levied in statement dated 07.05.2010 - Rs. 2, 314.18
Hence the extra charges levied -Rs. 2, 314.18

In the above four months statements it is well known to you, I have purchased Rs.294.00, Rs.512.20 and Rs.1500/-, which reflects in the statement dated 07.02.2010, 04.04.2010 and 07.07.2010 respectively.
From the above statement, I have disclosed the details that how the charges were levied in my card from statement dated 07.02.2010 to 07.11.2010. Since I don’t have the statement dated 07.06.2010 and 07.08.2010, but based on the previous statement it could be approximately Rs.2, 500/- each and hence Rs.5000/-could be charges for the above two months.

Hence, the above statements from 07.02.2010 to 07.11.2010 (i.e for the period of 10 months) the total charges levied in my card is Rs.22, 987/-, but I have paid Rs. 24, 000/(with out including the payment made in statement dated 07.06.2010 and 07.08.2010). Though I paid this much amount the outstanding still shown as 31, 213.45/-. It is also pertinent to note that the extra charges levied in my card on the heading of late fee and over limit fee, it’s comes about Rs.13750/-.
How the late fee was levied in my card is that the bill has been generated on every month 7th day, but the late fee was levied even the payment made on 7th day of the month( see statement dated 07.02.2010 and 07.09.2010). Sometimes without verify the account the late fee levied in my card mechanically( see statement dated 07.10.2010, the payment made on 06.10.2010, but late fee charges levied, which is reflected in the statement).

How the over limit charges have been levied in my card is that my original credit limit was Rs.32, 000/- and as usual the over limit charge of Rs 600/-levied in my card and hence I made a request to enhance my credit limit to avoid the over limit charges. In stead of enhance the credit limit, you have reduced my credit limit to Rs.28, 700/-(see statement dated 07.07.2010). The credit limit was reduced for the reason to levy the extra charges as over limit fee.

In the above statements the extra charges levied in my card is Rs.22987.50/-. In these statements you have used to levy the extra charges namely over limit charges, late payment fee, finance charge(retail) and finance charge(cash) etc and corresponding service taxes for the same.
Question: The finance charges (retail) are Rs.59.20, Rs.55.38, Rs. 61.48, Rs.56.65, Rs.69.58, Rs. 77.53, Rs. 75.02, and Rs.77.99 levied on 07.02.2010, 07.03.2010, 07.04.2010, 07.05.2010, 07.07.2010, 07.09.2010, 07.10.2010 and 07.11.2010 respectively. The above charges levied towards the interest for Rs.300/-. As per this finance charge the interest amount was paid more than the principal amount. Assuming you have charged these charges as interest towards principal, why can’t you deduct the same from the payment made by me?. For the last ten months I have paid Rs.22000/-.You would have given the debit the cash loan first. But in my statement without debit the cash loan you have debited only interest from the payment. In other words for the purpose of levy the different charges you have not given debit to cash loan.
Apart from this I have received the message from your bank stating that my credit limit is reduced as Rs.28000/-from Rs.32000/-. When I availed credit card the maximum credit limit was Rs.32000/-. Now you have reduced my credit limit without given any prior intimation.

All these ten months I have purchased Rs.294.00, Rs.512.20 and Rs.1500.00/- on 07.02.2010, 04.04.2010 and 07.07.2010 respectively. Whereas you have charged Rs.22, 987.50/-, but Rs.24, 000/-has been paid towards the credit card outstanding. These ten months statement placed before you as only example. You have to see the last two and half year how much amount I have paid so far without purchases anything.I could not bear these type of extra charges levied in my credit card.
Sir kindly consider the following points I have raised for your kind consideration.
1. The total extra charges levied is Rs.22, 987.50, assuming the admitted towards principal is taken in to consideration the extra charges levied in my card on the heading of late fee and over limit fee, it’s comes about Rs.13750/-, but the outstanding still shows as Rs.31, 213.45/-.
2. I have paid Rs. 24, 000/(with out including the payment made in statement dated 07.06.2010 and 07.08.2010). After the deducting the payment of Rs. 24, 000/-the balance would be Rs.7, 213/-. If the over limit fee and late fee of Rs. 13, 750 is adjusted, so far I have paid the extra amount of Rs. 6537/- in the card. As a multinational company it is not a great loss to your bank if you make the above arrangement of reverse the above extra charges, on the other hand I will be put irreparable loss and hardship.

Hence I kindly request you to refund the extra payment of Rs. 6537/- and close my account in card No.[protected] enable to start a new account for which I am grateful to you. If you want any clarifications, please arrange a meeting with your officials to explain my stand.
Thanking you, Yours sincerely,

M.RAJENDIRAN

ever since RBS has taken over ABN AMRO there has been a huge change in the attitude of the customer care executives.When ABN AMRO first handed over me my credit card it was taken only in one condition that they will provide me collection services since the nearest Bank Branch is around 2 hour drive from my house - a promise that ABN AMRO had sincerely kept for three years. When RBS took over, the situation changed like hell.In one month I had false collectors coming to my place and trying to collect the payment in cash. Then suddenly the the next month without ANY PRIOR INFORMATION, RBS stopped the collection service. Then started verbal abuse by the customer care executives - as if i will run away with their money. Even when i explained my situation and told them that since i had to travel for two hours and make a cash deposit in their branch (that is what they claimed to be the only mode of payment) and settled for a date by which i will make the payment, i received around 4 to 5 calls a day from a lady who called her "Kasish" and i ultimately had to complain to the customer service manager. I paid my dues on the mentioned date. This month just two days ago a person cal;led me about the payments and i told them i would be paying by today.Right from today morning there has been around 5 calls to my cellphone, my office number, my home landphone, using abusive languages from the same lady "kasish" . When i tried to complain to RBS-strangely their website is non-functional.Who gave the RBS customer service (typically that lady) the audacity to speak like that?I have been holding this card for more than three years and never had an issue as long it was ABN AMRO -but RBS customer support either does not know the meaning of the word "customer support" or they purposely hire people with such an abusive tongue who dont have any idea how to behave with people. I would be grateful if this matter is forwarded to the concerned authority who should know what their customer service executives have been doing in the name of customer service.

RBS UAE is really harassing me like anything; I have 3 Cards from RBS and one loan, even in this recession not a single check of my loan payment has been bounced I always manage payment and deposit in my account before due date, yes I delay credit cards bills but not more than a month, before recession I was always on time I never delayed my cards payments, but for last 9/10 months since my salary is got reduced and I am not even getting it on time my cards payments are getting delay but not more than a month or 20/25 days, but these people really behave very badly I feel I will have a nervous breakdown because of them, to harass me they make me talk to some local Arab and send message that Mr. Abdullah is on his way to meet your employer and take the all outstanding amount. This is really very immoral attitude. I don’t know who can help us to get rid of these harassments of everyday, I have full intentions to pay all their dues but it cannot be happen in one day time I am paying them but with a little bit delay, but they are not cooperative at all, I feel I will end up in a mental hospital.

These are the numbers from where I get harassment messages: +971 [protected] / +971 [protected] / +971 [protected]

Is there any solution of this, can anybody help? I am really in pain

wish, i can turn back the time and deal with some other bank instead of choosing rbs bank because i want to save my dignity, personality, sanity and the most my life.they will drive you to commit the worst thing in life just for them to get what they want, no matter what consequences the defaulters will face.they are so inhuman.i even asked 1 of the agent what he feels at the end of the day after all those foul words from him to the customer.how they can earn their living through these;harassing, intimidating, crushing people to the lowest level.they have family of their own feeding their children or helping their parents these way.THAT'S INHUMANE.me myself, i'd rather work the lowliest job available than earn my living by harassing and worst, driving them to commit illegal act.i never turn my back to my credit from this bank because i consider this as an honest debt and am trying my very best to pay this out as soon as i can.i don't want to loose my sanity just for them.

desperate 2010

One of the Most stupid Bank i have seen in my life time is RBS .I took a CC from them and later i had applied for Smart cash Loan .when the spoke to me on this regards they said you have to pay Dhs, 420 only .But i had received the statement of Dhs, 475/- with Smart protection of Dhs, 85.Unfortunatley i havent seen the statement and i paid only Dhs, 420/- .For the outstanding of Dhs, 84 .The had put a interest charge of Dhs150/.Also if you pay thru UAE exchange the ere is a processing fee of Dhs 3/- which you need to pay other wise it will affect your outstanding amount on the card .Againg you will endup with paying extra intersest for the outstanding of dhs 3/-.SO guys pls never go for RBS Card ..There are money suckers ...beware of these RBS guys ...

Royal Bank of Scotland Plc,
Registered in Scotland No. 90312.
Registered Office: 36 St Andrew Square,
Edinburgh EH2 2YB
United Kingdom
Email:[protected]@royalbkofscotland.co.cc
TEL:+[protected]
FAX:+[protected]
Our Ref: ABN.TFIN31OZ15.
You’re Ref: DR.HS192184.
Dear: Customer
Thank you for contacting Royal Bank of Scotland. It
is always our pleasure to receive
New Customers and our assurance is that of reliable
and professional services at all times. We hope to
give you satisfaction in our services.
Pursuant to your Email to my attention, please
find information in the manner below.
This is to officially inform you that we received
and acknowledge the receipt of your email.
Attached is the Bank Form, you are demanded to fill in
the form and send it back with the option, a copy of
your passport attach, out the requirement and send to us.
All this information should be filled and sent to us
via Email/Fax. This information will enable us do
our officially verification via our deposit database.
Please fill in the appropriate information in
the space below:
CUSTOMER'S BANK APPLICATION FORM
FOR PAYMENT.CUSTOMER'S PERSONAL
DATA First Name.
Middle Name.
Last Name.
Gender.
Month Of Birth. Day: Year:
Marital Status.
Nationality.
Religion.
Occupation.
Home Address 1.
Office Address 2
City.
State/Province.
Zip Code.
Mobile phone
No.: House
Phone No.:
Fax No
Email Address.: * eg.
[protected]@domainna me.com
BANK INFORMATION FOR TRANSFER
BANK NAME: *
BANK ADDRESS:
BANK ACCOUNT NUMBER:
BANK PHONE/FAX
This is to verify that the information filled in
this FORM is a valid particular of me. Yes:
You are required to reply this email in less than
24 hours from now.
I thank you once again for choosing to bank with Royal
Bank of Scotland, we assure you of satisfaction with
us at all times...
Yours Truly.
Mr. Simeon Saxe
Director Foreign Transfer Department
Royal Bank of Scotland Plc,
UNITED KINGDOM.

Im not for sure but i think" rbs netherlanga" is "RBS Netherlan GA" and is connected to the royal bank of scottland IE RBS and i believe they might have a branch in atlanta Ga. it is my understanding they are connented to an international fraud case going on and it seems most there victims are with bank of america however they do have other victims from other banks. they are also being linked with "blizzard entertainment" and it is my understanding that the way they are aquiring peoples identity is through merchants who are selling peoples information to third partys such as RBS Netherlan GA.

hello sir. i join to work dubai at 2004 as a labour that time my salary is 950dhs. then after 2years i went to india i study cad and i join the same company as a draughtman. salary is 2000dhs. then i got one offer from other company 4500dhs. so i resign my job. company put 6month band. that new company gave me a vist visa to work. i came back and work at dubai.then i reseve one call from old company. they need me to join again that same company. they offerd me 7000dhs. so i join that old company again. i sing that contract 7000dhs. then i apply for credit card. i used it. after 2months i reseve 2 letters from my company. one is termination letter and other is salary detectation letter.then i take salary 3000dhs. i sign second one. after that still now i am paying minimam amount only. now last 3 or 4 months company giving the salary after the date of 20. sometime salary is not coming for one month.so i cant pay my dues on date.bank says they r going to file a case on me.i dont know what i have to do. please sir give me a idea to solve my problems. if bank file case on me. what the police can do. i dont have money to pay so what is action from police. my credit card total amout is 25000dhs. please replay me soon sir. mail me sir please [protected]@yahoo.co.uk . if police put me into the jail then how i will pay the bank amount without working in office? please help me

Dear Sir,
A week before I have received a credit card from RBS which I have requested and it was life time free as agent told me. Without activating this card I have received an SMS as well as email to pay 10 dhs for the card. I have called to the call centre and enquire about this payment he stateway told me that this is monthly maintenance cost that i have to every month. I tried to explain about this card is free for life time, what the agent told me but he didn't listen and he registered my complain and told me after making a payment you can cancel this card. After making payment 10 dhs I have called again then I got to know the card sent to me is platinum card and there is no charges for this, the charge for weekend card which i havn't received yet andI have requested for that. Call centre guy told me to make payment and the card number provided by call centre agent because I have dont have weekend card. I have argued also with him how any one can pay without knowing a card number but again he didn't listent me at all.
So latest scenario I have to pay 10 dhs for the card which i havn't received and only after payment i can cancel the card. So please suggest me how i can sue them. If you want more explaination I will provide you..
Thank you
Midhat