Hello All,
Having delayed payments myself because of my current financial crisis, I have been receiving threatening calls from the FGB collection department. These threatening calls include that they will send the police/cid in my workplace. Go to our HR and make a big problem for me and assures me that I'd lose my job etc...etc.. You know the standard hardball tactics they use to strike fear to you. I have missed three installments ..but been trying to catch up with my payments.
But my question here is did anybody actually got jailed for having missed three installments????

I really feel sorry for having FIRST GULF BANK as my credit card. It was really a big mistake of my life, because the way the Colletors treat their customers is very unhuman.

I just missed two payments because of my vacation and unexpected pregnancy. Since then, the Collectors always going to my workplace and making scandals. Every week they are sending fax to our HR. I beg them to wait since I came from big expenses but they didn’t listen. THEY ARE VERY UNHUMAN… they even calling me even from morning till evening, even my families in our country.

MR. ANKIT, one bullshit guy from collection department call me an ASSHOLE and threatened me that he will make my life miserable if I didn’t pay. He call also my family and told them that I was in big trouble here in UAE and asked them to send money for me.

Is it allowed for them to do that? Please I need legal advise. I really want to sue and curse FGB.

To make a long story short, I one day found out that my credit card account had gone down to just about -8000 (that's NEGATIVE EIGHT THOUSAND). My credit limit had apparently been reduced.

The reason? I wouldn't know-- because I was never informed.

To make matters worse, the bank had been asking me to pay the minimum amount due, calculated against the total outstanding balance which had accrued finance charges.

It's like all of a sudden the bank decides to cut off my purchasing ability and make me pay the outstanding amount off.

If that was the way I would've wanted it to be, I SHOULD HAVE GOTTEN A PERSONAL LOAN INSTEAD!

Have you ever heard of a credit card which you cannot use for credit? The card now is completely USELESS.

I understand there's a recession and all, (AND THIS BANK IS PROBABLY GOING BANKRUPT..oh haha, funny!) but this is just INSANE.

I'm sure somewhere within the annals of this country's law books, this can be characterized as illegal.