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First Gulf Bank

United Arab Emirates

Consumer complaints and reviews about First Gulf Bank

Ramesh P Send email
 
Jun 23, 2014

FGB - Credit Card Issue

Hi Friends ,

My Self Ramesh.P , Once upon a Time I was Used FGB Credit card . I have Taken that Card that Life time Free Validity. initially i have used and also i have cleared all my Payments very nicely . I left from UAE on Nov-2010 but same day i have called to Customer care for the De-activation Its done . Then after 2.6 years means ( Jun-2014 ) i got mail that you have Due amount with FGB need to pay otherwise we will proceed for Criminal activity. I also responded their mails and I requested My FGB statement but they have given from Jun-2012 to till now . They have added all Per Annum charges , some other charges etc.. really i was disoppinted. I dont understand how they can add for Life Time free Card. before leaving i have cleared all my Payments .

Please any one suggest me how to clear this Issue with FGB.

Regards,
Ramesh.P
vishnu.nair Send email
 
Jun 17, 2014

Several Issues - Very Urgent

Hi Myself Vishnu Nair

I had a worst customer experience from First Gulf Bank

I am giving you a free advice.; please don't take any personal loan from First Gulf bank, its really get you into troubles.

For one personal loan, I had given 4 security cheque instead of 1. I don't know every time the representative call me and tell that they had done some mistakes on the application which I had submitted, so he brings another form and a security cheque. Like this I had given him 4 application form and 4 security cheque.

When my personal loan was approved, I got a mail from the bank which includes the account number to repay the loan on installment basis

Then the representative give me the 2 cancelled cheque. I asked for the third one also, because I had given him 4 security cheque. So he said he forget to bring that one. Now its been three months till now I din't get that cheque. Everyday I call him and ask however he say some excuses and cut the phone.

When I paid the first installment I noticed that my name was different on the account number, suddenly I call the FGB representative and he said "its fine, you can pay to that account, its only a small change in name, we will takecare of it."
Then I paid the first installment.

After some days, the representative call me and give me another account number and when I checked it was on my name. Then I got a mail from the bank that now onwards you can repay the amount to the new account number. So I asked him what about the first installment which I paid to the old account number and he said the bank will transfer that amount. Its been more than three months, till now they dint transfer that amount which I paid to the old account no to the new account.

Now the bank is saying that I had taken two personal loan WTF!!!!

I really don't know what to do :(

As I said, please don't take a personal loan form First Gulf Bank

Thanks
sudantha Send email
 
Jun 11, 2014

same salary insurance

Dear sir
Today aftanoon call 1.13 pm from this no.04.6028309 11/06/2014 she giving name.Mss.Maddm she forcing to me. starting I codnt Undastan what she tole me.I am apolig same time I cancel by phon she toal me now cant cancal why?
Rajesh Kumar Send email
 
Oct 8, 2012

Credit Card

Dear sir/madam
my self rajesh Kumar i was applied for first gulf bank credit card 2 month ago but untill now i did not received my credit card please find my credit card and send to me as per address Rajesh Kumar HSE Permit Coordinator Dodsal engineering & construction Pte.Ltd.Co.Samsung Ruwais refinery Expansion Project O& U # 3
Dodsal Old Camp Gayathi road
P.O.12385
Please Help Me From Debt Trap Send email
 
Feb 23, 2012

Forcing to take quick cash loan

there are instances even people were brutally murdered with their families by private lenders here. so be very careful in these matters.
Lonetaff Send email
 
Feb 23, 2012

Forcing to take quick cash loan

Everyone who deals with FGB be it credit card or loan is suffering. To late for us but it is better to spread the message that if this bank calls you and offers you a CC or loan just RUN! RUN! in the opposite direction. I have friends working in reputable banks and even they tell me never deal with this bank they are the worst.
Please Help Me From Debt Trap Send email
 
Feb 23, 2012

Forcing to take quick cash loan

Thanks bro for informing me all these. But now I can see my beautiful life boat is sinking in to a Debt sea day by day. And I am so help less now. I did not have any financial problem or job problem before, but all of a sudden they forced me to take loan and now charging high interest rates. I have lost sleeps now. all I can do now is pay the bank unnecessarily a huge part of my salary every month. I don't know whether I will be able to come out of this debt sea or not. If yes then when that will happen. I lesson learnt here... you do whatever bad things in your life you will be never punished if you do it in proper way... that's what these people do...and I will remember this lesson through out my life even after leaving Dubai...So we need to be very careful from such people... in spite of repenting like this after being victimised
K.Sawy Send email
 
Feb 23, 2012

Forcing to take quick cash loan

This happened to me as well
AndyIn Send email
 
Feb 23, 2012

First Gulf Bank Loan

Do what I did, leave the country
Radiosmith Send email
 
Feb 23, 2012

First Gulf Bank Loan

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????
Lonetaff Send email
 
Feb 23, 2012

First Gulf Bank Loan

Do not trust this bank they will do anything for money and if they have you arrested and convicted they can claim the security cheque amount from insurance so it is in their best interests to file against you and believe me they will in the end so be careful. If they suddenly call you and they seem to be too nice on the phone and requesting you to go to the bank so that they can discuss your problem, don't go, they will have the CID there waiting for you, this is a tactic they have used before. Don't think that they talk to you like shit for 3 months and suddenly they want to help you. They can't be trusted, if you can just keep paying, keep a low profile and don't go near the bank.
Livid_in_dxb Send email
 
Feb 23, 2012

Credit Limit Decrease

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.
Lonetaff Send email
 
Feb 23, 2012

Credit Limit Decrease

@Saddam i guess they have filed case already but they can't claim the money from insurance until you have been convicted in court and jailed so they will try everything they can to find you and try other ways of ruining your life until you pay up. They know your out of the country because once they file a police complaint, the police will enter you on the ban list and they will be informed by immigration that you have left the country so no need to inform them, they are now trying to track you down. This message maybe a way to get you to contact them, don't trust this bank believe me they will bring you to your knees for money.
Please Help Me From Debt Trap Send email
 
Feb 23, 2012

Forcing to take quick cash loan

Hi,
I have a First Gulf Bank credit card. Last October 10th I recieved a call from bank employee for quick cash loan.
But the lady(employee of the bank) did not inform me all the details about the loan and she had taken my bank details.
Again on 12th October when she called me I asked her about all the interest charges. After getting those information from her I asked her
for sometime so that I can take some time to think over it. I asked her to call me again next day.The same day I had decided not to take
the loan as I dont need as of now and I dont want to pay interest rate simply to the bank.
The next day when I was expecting the call from the bank, there was no call made. One day after I went to India as I had booked the tickets.
After 3 days I came back from India and I was not that FGB bank has credited the loan amount to my account.
Since I already had more money than the total loan amount in my standard chattered account before, I spent a part of
the loan money with my own saving amount. I was not aware there is an extra amount of money in my account which was credited by FGB bank.
After a period when I looked into my standard chattered bank statement I found 24000 dirham was credited to my account FGB bank and
I have spent 4000 dirham out of that. So I called up customer care to clarify why they have credited quick cash loan to my account without
notifying me and even after crediting the money they did not inform me. i dont want any debt on my head and I dont want to pay simply interest charges to the bank when I dont need any loan.
I asked them to take back the loan amount what they have credited. After one/two day one person called me from the bank, I informed him everything. He was so rude to me
and he said loan can not be cancelled. I asked him two questions how the bank can credit to my account without my permission and why they
did not inform me after crediting to my account. He did not answer to my questions and he was so rude to close the case saying I have to
go for the loan period and pay interest as I ahve used a part of the loan. Then the case was closed from bank side. After that I been
calling to the bank so many times and I asked them to go through the recorded voice since I have clearly asked for a confirmation call
before doing any transaction.They had done mistake from their side now they are asking me forcefully to go for the loan which I dont need,
so that they can take interest charges. This is really a partial decission from the bank side without judging customer's situations.
Kindly advise me.
Lonetaff Send email
 
Feb 23, 2012

Forcing to take quick cash loan

FGB do nothing by mistake, the loan interest is about 27%, they obviously saw a way to sucker someone into the loan and they did it, now if you don't pay they will file a case against you, put you in jail and claim on the insurance. Then once they have ruined your life, milked as much as they can out of you they will go out and look for the next victim. The people who are selling you the loan or credit card are on commission and if they do not process a certain number of customers per month they will face problems themselves so they will do whatever it takes to sign you up.

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