[Resolved]  Standard Chartered Bank — Credit card settlements

Dear reviews, My name is Mohammad uae resident since 2005, I started with SC bank since 2009, with personal loan of 250k aed, the bank treatment services are amazing, and I am happy being with SC, however in Feb 2013 the bank offered me a 50K aed credit card with extreme fast process of 4 days, the balance available was used for sure during the past 12 month, based on my plan to top up my loan and pay back the 50k I utilize, so far there was no worries for me since I was able to pay the minimum payment of 4 to 5k temporarily until I get my loan top up done. I visited Dubai mall branch willing to top up my remaining loan of 187k back to 250 k, and close the credit card, the bank agent was very sure that this is an easy processes and he asked me to wait for few minuets. The agent came back in 2 minuets with cold face!! Then I asked him what's the matter, the agent said " we are really sorry!! we are unable to top your loan based on new procedures posted by your company!! Which is, not allowing their employees from having more than 35%of thier salaries for loans payment!!!" And this is a percentage I already exceed by paying 6.5k toward my current loan, And having my loan approved, require my HR approval? Which means sharing my financial issues in details with the people who are monitoring my performance!! And this is honestly something I won't be able to do, so all my promotion chances will be kind of impassible. My credit card minimum payment due as for now is 4.9k+6.5k of loan payment out of my 15k salary = 3.5k and this is kind of impossible for me to survive with? As I have my family to support back home + my house rent, bills, gas and other expanses. So to mange a seloution after the top up rejection issue, I visited the collection department next to Dubai mall, and I explained my issue to a worker lady, that she said after reviewing my card details " we are very sorry sir, we don't do any settlements for clints who has a good payments record, we offer this only to the people who stop paying for more than 4 months"?? As she's asking me to stop paying and rich a point of a police cases, so the bank can accept to do for me a settlement, and that is something I am trying to prevent while I am there hoping the bank will support me in to turning my cridet card to easy installment, easy loan or top up, I don't even mind to pay back this 50k as 60k but in a way I can manage this payments. Later the collection department start to rain a hone calls, and I was explaining the same story, I am unable to pay this much, I will pay for sure if the bank helped me to have this credit as installments where I can mange to live. Over and over more calls and different people. Then later the collection departement start to contact me at my work place!! Mentioning the number you recive the calls from is for a out going calls only,[protected]. I tried to call many times but no way to reach, I called the number at the back of the card and the guy there (Mohammad) connected me to another lady that she asks me 2 numbers she gave me to solve my case, as well this'd numbers are outgoing calls only. Today morning I recive a call from,[protected] collection department, asking me to pay! I repeat the same story Howevr this guy voice tone was tough this time, and after few menuits of arguing, the said" I know where you work, I will come to your showroom and get the money? When I said I am unable to pay this much. Then I asked the guy if he is threateing me, by coming to my work place? And I asked him assertively for his name then he was so confused and asked me to wait on hold then he said, my manager will call you and I have to hang the phone. I have no comment so far for this kind of threatening policy, Is that the bank policy or staff initiative, I am not trying to cheat on the bank or do bad or so, I am asking only to solve my issue by making my payments possible to be paid, otherwise I am unable to survive. I didn't ran or avoiding calls, here I am chasing any contact person with authority so I can talk too, to find a seloution can make both o[censored]s satisfied as a bank and clinet. Looking forward to hearing from you. Kind regards, Mohammd