Mashreq Bank Doha - Qatar was provided me a Visa Gold and a Master Card Silver in the year 2008. I was using both cards and my payment history was very perfect till 2010.
Unfortunately I lost my Job and I left Qatar on 29th June 2010 without closing the card statement. The balance outstanding in my visa card was Qrs -4.50 (minus) and in the Masters Card was Qrs. 98.28
During the month of August 2010 I used the visa card in India. I Paid Qrs. 600.00 on visa & Qrs. 100.00 on Master on 26/09/2010 through my friend in Qatar since I left Qatar on 29/06/2010. I thought the due amount in visa was Qrs. 600.00 but the actual amount was around Qrs. 1000.00. There was some annual fee which I was not noticed. More over I requested on 8/2/2011 through email to the bank not to renew my cards.
Once after payment of Qrs. 600.00 in to the visa card the net outstanding was 586.68 as per statement dated 03/11/2010. The amount was keep on increasing Qrs. 100.00 per month. I have contacted the bank through mail and phone to make an amicable settlement proposal and I confirmed that I will arrange the payment through my friends in Qatar. But I have not received reply from the bank even after repeated calls and emails. Since I was not present in Qatar I expected some support from the bank.
Then I thought it is better to close the chapter by paying the outstanding amount to the bank. There was some money around Qrs. 7216.00 which was due to me from my friend. I told him to pay Qrs. 1000.00 to the bank and to close the statement and remit the balance amount to my India account. Unfortunately he deducted Qrs. 1000.00 from my receivable but not settled the money with the bank and remitted the balance amount.
I thought everything was fine. I noticed that the card statements are coming to me again through email. When I checked with my friend he told me that he arranged the payment to the bank through another person and the receipt is not with him.
After 2 years (in 2012) I came back to Qatar again and I personally approached the bank for an amicable settlement. They told me that they will consult their head office and inform the outcome. Even after several calls and emails I had not received a reply from the bank. I left Qatar again that month itself since the project for which I came for was delayed.
I came back to Qatar again in 2013. Still I am in Qatar and two days before I got a call from some debt collecting agency and they are threatening me that they will sue against me.
My question is that why the bank had approached a debt collecting agency even if I was in contact with the bank and waiting for a reply? They could have contact me directly. When I was in India I have provided them my India contact number also.
They can't reduce the charges of Qrs. 100.00 per month?. The actual amount outstanding was only Qrs. 586.68 on November 2010. Now the amount is Qrs. 5293.38 on 03/10/2014.
I am willing to provide you all the proof for the emails I sent to the bank. I have done all these things because I don't like to cheat anybody else and don't want to cheated by others.
I feel pretty bad since I have made all my efforts to close the issues but I got a call from some other agency, with them I have no previous business.
Lastly the bank had charged me every month for Credit Shield Protection. It is heard that it is same like an insurance policy for repayment if a cardholder loose his job.
Kuriakose / +974 - 77890075 << Less