I had applied for a liability letter for my First Abu Dhabi Bank (FAB) credit card on April 5, 2017. I received the same on May 8, after more than a month, which I submitted to another bank, where I had applied for a loan.

The amount of liability shown in the letter was Dh35,000 for which the bank issued a manager’s cheque and this was submitted to my credit card account with FAB.

Later, after the cheque was cleared, I requested FAB for a clearance certificate. They refused to comply, saying there was an outstanding amount of Dh3,000 to Dh4,000, which I was required to pay.

I fail to understand that when a liability letter was issued by a bank and I cleared the same, how can there be again an outstanding amount?

I have spoken with a senior manager in FAB, and I was assured the clearance certificate would be issued to me without me paying anything extra. Since then, I have, for more than a week now, been calling FAB’s phone banking service and requesting the same. I am constantly being told: “We will revert soon.” Please help.

From Mr Manoj Chandnani


The management of FAB responds:

FAB supports the growth ambitions of its stakeholders and goes beyond financial products and services, and as such, we are grateful for all customer feedback as we strive to consistently deliver the highest standards of service. The bank has been in contact with Mr Chandnani, and informed the customer that any outstanding dues on the credit card must be paid, in order to process the cancellation request and issue a clearance letter.

(Process initiation: August 16. Response from organisation: September 4.)

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