Cleared car loan
I have a car loan with Emirates NBD. One of my cheques bounced on August 5, 2009, and I paid the amount by cash on August 29, 2009. I am going to close my car loan, and now they have included this amount to the dues which I have already paid by cash on August 29, 2009, and an additional Dh200 per month as late fee. From August 9, 2011, I am trying to close this loan and every day they tell me that the same is under investigation. Despite several reminders to Emirates NBD, I am unable to settle this issue. Since I am going back to my home country, please help me resolve this issue and get my car loan closed. I would appreciate Gulf News help and support to settle this matter.
From Mr Rajesh Kumar, Dubai
The management of Emirates NBD responds:
We are pleased to inform that the concerned department contacted Mr Kumar and resolved his complaint. We would like to take this opportunity to thank you and the customer for providing us with your feedback and regret the inconvenience caused. Many thanks for the continued support and valued efforts.
Mr Kumar responds:
Thanks for the kind co-operation to solve the problem as early as possible.
Credit card cancellation
I have a credit card from Union National Bank, which is valid until July 2011. I requested for the cancellation of the credit card well in advance of the next subscription year. The card has been charged with an annual fee of Dh250 ahead of the next subscription year. The card is valid until (without any annual fees) the end of July 2011, but the annual fee was charged in June 2011 with the due date of July 16, 2011. To avoid any bank's argument of late payment, I have paid the fees on July 17, 2011. The response at the bank in Al Arooba branch, Sharjah, to clarify on the charges has not been good.
From Mr Gireesh Hegde Sharjah
Mr Hegde updates:
I got a call from the bank asking me to collect the refund. Thanks for the follow up by Gulf News.
Bounced cheques
With regards to the service rendered by Emirates NBD Bank — this is the second time my cheque has been returned in spite of having sufficient funds in my account. From August 30 to September 2, 2011, I was unable to deposit my cash because of Eid holidays at the bank and my cheque was dated September 2. However we deposited the cash earlier before 9am on September 3. And the cheque when presented later that day got returned and Dh100 was deducted from my account right away. I had two cheques for this date and the cash for both was deposited together. However, one cheque has been returned and the other cleared. And an amount has been deducted for payment of a credit card — who has given the bank the authority to do that? I have received calls requesting payment and I informed that the payment would be done within two or three days. I want my cash to be refunded to my account without any delay. This is in no way acceptable or professional. The bank must inform the customer before such an action is made. I have not requested for auto payment for my credit card. In the month of June, I had the same issue. The cash was deposited at 10.30am and the cheque presented at 12.30pm and was returned saying insufficient funds. Despite several calls to Emirates NBD customer service and a visit to Al Manzil Branch, it didn't help. Staff call to clarify but seeing the situation they promise to call back after a detailed check but never do. When I visited Al Manzil Branch and asked why I didn't receive a call they said they didn't have an answer and couldn't help. This is not professionalism. Customers need not pay for the mistakes made by staff. If I was to make my deposit 24 hours in advance (which was the reason given in June) why then was my one cheque cleared and the other returned. I have two cheques coming into my account every month. I need a clear answer to all my questions. This affects my account and my relationship with the other party depositing the cheque. Please understand that a bounced cheque is not a small issue and such kacts from the bank are not acceptable at any cost. I want the bank to give me a meaningful justification for the party who deposited my cheque and my cash returned, which was deducted twice.
From Ms Blessy Victor, Sharjah
The management of Emirates NBD responds:
We are pleased to inform that the concerned department contacted Ms Victor and provided her with the necessary clarification regarding her queries. We would like to take this opportunity to thank you and the customer for providing us with your feedback and regret the inconvenience caused. Many thanks for your continuous support and valued efforts.
