Credit Card issue from RAK bank — Threat from recovery agents for interpol blacklisting and passport recovery, tihar jail etc etc...

18 Reviews
 alconsumer on Jun 19, 2011
Dear All,

I had a credit card of RAK Bank and regularly i was paying my installment till 2 .6 years .During recession in i lost my job and still i paid some installments and tried hard to clear the dues but the kind of interest charges they have i could not not come out of it and lastly when i did not have money i stopped paying the amount when i came to India. Now Recovery agents are threatening me and harassing like a mad dog mentioning your name has been blacklisted in Interpol and you will go to tihar jail in india , your passport recovery warrant has been issued from immigration of india and you can not got any where in the world etc. etc lot abusive things. Now i am completely shocked as i am unable to pay the kind of money i.e 23500 AED = 305000 INR they are asking as i am job less at this moment. I am requesting them to reduce the amount on actual as 15000 AED so that i can sell my village land and can pay but no response are coming. due this mental torture which may lead to Suicide also switched off my phone and sent mail asking RAK bank to extend the time of payment and amount so that i can arrange money and pay .still they are listing anything.

one Lawyer i don't know fake or genuine named Mr. SC Gupta calling and treating me for legal charges mentioning i will put you in jail i start legal proceeding against you for immigration and passport recovery etc.which is unbearable and so embarrassing. even mentioning check bouncing of 38000 AED whereas i have never given a check of 38000 AED.I Don't know from where he is claiming check bouncing of 38000 AED which i not at all signed by me.

Now My question is that whether they can do so Interpol , passport recovery from immigration stoping me to go anywhere in the world etc etc. what action i can take against them for such a suicidal harassment . I am ready to pay the amount if they can give me some time and reduced full and final settlement offer . Pls suggest and help me as i am so frustrated with this pls help me to come out of it. as i wanted to go some other GCC country for the job sake can they catch me in indian immigration can they issue passport recovery warrant .Pls reply ASAP pls.
Complaint comments  17 Comments     Updated: Share0Tweet0Share0


Dear all,
I am also am a victim, they get our details from or other recruiting agency as we provide all details while applying for jobs. People from shunshine solutions visited my house frequently and started harassing me for a credit card payment from rak bank dubai. They never gave any visiting card, no proper documents, they started coming and harassing my family during my absence. I had contacted my lawyer and lodged a complaint at the vijayanagar police station, bangalore during april 2015. One day they came when i was at home, i demanded documents so i can consult my lawyer. They did not produce any documents and started shouting in front of my house and also said that they will bring the interpol. After, showing the acknowledgement they did not turn up till this month. Now in jan 2016 they started coming again. I again went to the police station at vijayanagar bangalore,, and the vijayanagar police called them and then demanded the documents. They tried to show come documents copy of our passport etc., which were not relevant to the bank. The police warned them not to harass instead approach in proper channel legally. Now i have started getting emails posing as recoveries from rakbank directing me to cooperate with sunshine solutions. However, my advocate will face them.
My advice is no bank can come to your residence and harass you, please do not be scared. You need to first go over to the nearest police station and lodge a complaint. Also find a suitable advocate.
Same problem i am facing. I think you got call from them in january 2011? Am i right?
Till they calling you? Did interpol contacted you? All of them make us fool... Dont worry
Dude... Dont pay any thing... Not even a penny. No one is authorised to block your passport or put you in jail.

The worst that could happen is..." your name will be listed in credit bureau and then you wont get any loans"

Thats all... I have done this before and i know the credit law.

Dont worry... Be happy
oh thanks dear... thank you thank you thank you very much dear. I never forget you for this details. really i am in Mental torture . Now u hav helped me... i think it will not be a problem in India after came out from Dubai. Right?
One of my friends also faced a similar problem. He was at peace of mind when he contacted mr. Vinod kumar chand ([protected]) of "" who is part a specialist organization and solve such issues for innocent borrowers. You shall get absolute peace of mind.
Even i am facing the same you give me your contact detail like a mobile or a mail address so that i can talk to you
my email address is please reply...
Dear all,

I also used my uae credit card to purchase something one and half year back and after that i lost my job and went back to india.
The agents from india /uae are regularly threatening me. Please note that legally, nobody can touch you in your hometown.
But, if you enter the country from where you took the loan, you may face the problem. But you can migrate to any other country without any problem. (as there is no information exchange system in between gcc countries, till now). But dont go via the country where you are blacklisted.

But my sincere advice is, try to come out of your debt. Try to negotiate with the bank to reduce the exaggerated amount and ask for installments. Pay it off and get relaxed.

'all ' banks are real robbers and never fall in their trap. Keep away from these .

Good luck.

I am also facing too much problem from the rak bank collection agents in india. During the recession period in 2011, i return to india with credit card dues. Several times i received the call from them and i tried to convince them that i will arrange the money and pay them all my dues. Before 2 month i paid around 2000 aed to them through bilkish to ensure them that i wish to pay but due to financial crisis i am unable to pay in 1 shot. Today i received a call from a number [protected]. He said that he is from delhi police and there is a non bailable warrant issued in my name and he said so many abusive words which i cant explain. Then he disconnected before i could understand anything. Then i called him back and asked him whats the matter, he said that a case has been registered in patiala house and an arrest warrant is issued.. For further details he asked me to call some advocate mr. Gupta ([protected]). I talked to mr. Gupta also and tried to explain him that i am waiting for some fund which will soon be received after selling 1 of my property, he said he cant do anything and he connected me to rak bank person uae. Several times i requested him to give me some more time but they only threatened me that my passport will be cancelled and bla bla... Please suggest me regarding the matter, because i am very much tensed and i have family also and don't want to suffer this kind of situation. Please if someone can suggest what to do now
Same thing happend with me... I recieved a call from interpol inspector mr yadav and he gave me the number of mr gupta for negotiation of my credit card due of rak bank... I somehow manage to clear my principal amount of 14500 aed or i have to pay 20, 000 aed along with interest rate which is too high... I also get threatning call from bilkish associates and asking for payment which is due of my standard chartered bank and i paid some emi but i said i have lost my job 6 months back and i have no money at all to pay anymore... But still they harrase to my family for payment... Now i got my job in saudi arabi and want to pay all my debts but i cannot pay in lumpsum amount so i request for easy installment of the amount i paid without interest or late fee charges. Kindly help me can i resolve this issue. Will i get any problem with saudi government if i skip any installment with uae bank credit card. Please advise me...

Best regards

Shahnawaz baig
This sc gupta is a conman! He is just a paid crook, employed by rakbank, who calls up and threatens people in india, because on average indians are legally illiterate. He cooks up stories and employs some conmen like yadav, to call people impersonating policemen and lawyers. None of this is legal. Because under the law, they cannot contact anybody who has outstandings on foreign soil. It is a violation of law.

1. Any outstanding in a foreign country, no individual or company has any jurisdiction to contact anyone here, to ask for their repayment. If anyone does so, it amounts to "extortion"!
2. Impersonation of police officials and threatening, is also a grave crime!

So, what these two crooks are doing is extortion, legally speaking.

What to do:
1. Please keep a recorder handy, if and when any of these crooks call, record the entire conversation. Note down the tel nos on caller id., make note of the time of call.
2. If anybody visits your house, its even more grave offence. Please use mobile phone to record the person's face, ask for their identification, take pictures of those. Any advocate who visits you, ask for their identification, take pictures of their face, and any id card they provide, and their contact details.
2. Once you have credible evidence against these people, file a police complaint against them for extortion, and impersonation of police officials. Both are a non-bailable offence, and is also classified under "organised crime". Hence these crooks will fry once caught with evidence.
This is !!! They are !!! They are harassing and threatened me. They are barking at the wrong tree. They are always calling me, telling me to pay the debt of my brother. I dont even know the said rak bank.
Stop harassing me!!!
This is !!! They are !!! They are harassing and threatened me. They are barking at the wrong tree. They are always calling me, telling me to pay the debt of my brother. I am innocent with this i dont even know the said rak bank bcoz i haven't been to dubai even once. I also received abusive text messages in my phone. Why they are not calling my brother? And how do they get my number and my email address???

Here's what i got in my email:



We wished to inform you of your past due obligation.

In this regard, let me remind you that that the above mentioned bank, extended credit to you in good faith, however up to this present day you still refused and failed to pay your overdue account.

Despite of being aware and despite of having the capacity to pay, you remain to ignore and disregard the banks collection follow-ups.

Please be informed you are required to settle in full on or before feb 28, 2015. Payment must be done directly to the bank or through telegraphic transfer.

In the event, no payment will be received by the bank other actions have to be taken.

As a person of good reputation, i believe you will treat this matter with the highest preferential attention.

Please feel free to communicate with me so we can discuss further concerning this matter. Likewise we can ask for a discount regarding settlement.

Finally, please be informed that dubai rakbank has already acquired all the information regarding your present whereabouts.

Your failure to meet their demands, rakbank reserves the right to notify your employer and the immigration regarding your case.

Please take this opportunity to avoid further inconveniences.

An overnight reply will be highly appreciated.
Once the dues has been settled;
1. We will lift your legal case & travel ban
2. We will issue you no obligation letter from rakbank
3. We will write off the remaining balance after the necessary approvals are obtained
4. However your name will still continue to stay blacklisted at central bank, your credit history will show delinquency on your rakbank account (At the credit bureau) and it will show as a loss due to the “write off”. This will affect you on matters of availing credit card or personal loan from other bank, here in middle east and also other international countries and asia (If and when you are back in middle east countries and international countries)

Awaiting for your commitment and confirmation to proceed.

Payments mode:

Swift code: nrakaeak
Address: rak bank
P. O. Box: 1531
Dubai, uae
Account name: rakbank recovery
Account number:[protected]
Iban number: ae880400005097843300076

Kindly arrange to add a narration along with the transfer: ‘full name’ & ‘card number and loan number

Or another way, if you have any friends in uae, transfers the funds through western union and you will asks your friends/relative to deposit any rakbank edm machine or your friends/relative can make credit card payment to uae exchange.

You are hereby requested to contact us immediately to resolve the issue failing which the bank will initiate legal action against you and place a travel ban.

You are requested to contact our centralized collections department in dubai on[protected] /[protected] to confirm your payment.

Joyce balneg
Skip collector, skip recoveries
T: +[protected] | f: +[protected]
Joyce cristeta molina balneg <joyce@rakbank. Ae>
Hi all
It's actually a bull which the people of our own country are creating for us in the name of recovery agents for rak bank dubai.
If i get option of questioning rak bank dubai, then it would be that if you actually want to take back your money from us then why don't you agree to negotiate?
Also if these cases are so important and you have all the details, then why they are still pending from years?
Stop fooling around
Credit Card issue from RAK bank — Harrasing me

1 Review
Sa sansara on Jul 8, 2016
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Dear All,

They are harrasing me very much and i dnt hve money and if they will nt stop calling me i will sucide my self i hve told them i dnt hve money i came back frm dubai and now i am ready to settle my account bt i dnt hve much money i only have 10000 INR which i can give and setle my account in which they are continously calling me and my family members i hve told them no body will give u money only i will give u money bt i dnt hve a good job now so i can only give 10000 INR in which iam ready to seetle this account bt they are nt listing to me and harrasing me continouly and iam saying 100% i will sucide my self if they dnt stop calling me and blame will be on their side regards

Saurabh Talwar
pls understand...
Don't loss your valuable LIFE.

this bilkish agency like people are working for comission money.
as per RBI rule purely they are illegaly practicing this in India.even they dont have rights to call you or threaten you.
If they ll harass or threatening you continually you have rights to give a police complaint because they dont have any financial licence under RBI or ministry.even they dont have a Identy card.If anybody will come to your home pls ask identy card or his Driving licence or any identification document. afterthat handover them in local police and give threataning case against him.In India financial companies should have a RBI licence.

No laws or MOU between India and uae governments regarding the personal banking issues.
Even if you want to settle the amount contact the particular bank through mail(dont give mobile number or address) for FULL AND FINAL SETTLEMENT.IT will be very cheaper than go with bilkish like unauthorised agentsdont forgett to ask NO LIABLITY CERTIFICATE from the bank...untill settle your loan dont go that particular country.
I was going through the same issues.many people called me impersonating police officer, interpol director, even dawood man. These are people employed by bilkish, fintrestle, mg, gupta and so on. Their actual aim is to harass us and get some money in return to let us live in peace.

I wanted to return back to dubai as my salon cannot run without me and I had no one to help. Since I am a lady, these tried all other tricks as well.

Only after I can across one gentleman called Rudra, things changed and I could push out all these goons out of my life. He also helped me settle all loans and credit cards in unbelievable terms. My own Muslim brothers left me to face situations like death but Rudra being a Hindu helped me so much that forever I will be indebted to him.

I am not advertising for this gentleman but only appreciating someone on public platform. I am back to dubai, happy and back to work. If anyone of you want to get in touch with can email me on

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    Credit Card issue from RAK bank - Threat from recovery agents for interpol blacklisting and passport recovery, tihar jail etc etc...

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