Readers’ issues resolved
Bank charges
I have an Emirates NBD platinum credit card and have been a credit card customer since I came to the UAE four years ago.
I was touring India from August 12 to September 9, 2011, and my monthly credit card payment was due on August 31.
I normally clear everything long before the due date and do it online. Hence, I tried to clear my credit card dues online from India a couple of times on August 28.
Unfortunately, the payment web page would not open and when I returned from India on September 3, I i mmediately paid t he entire amount online.
On September 5 when I was checking my account online I saw a late payment charge. I immediately wrote to the bank through the ME banking mail (Emirates Banking internal mail) and they understood my issue and reversed the Dh170 charge after two to three days.
However, on September 8 I found an amount of Dh363 debited to my account towards f inance charges.
I wrote to them again and after a few exchange of mails, I received a mail f rom t he bank stating t hat i n order to process my request for this f i nance charge reversal, I had to give the bank authorisation for a 100 per cent auto debit facility on the due date.
Despite the fact that in this case I was not at fault and I had tried my best to clear the due, I gave them the authorisation for 100 per cent auto debit for my credit card.
It has been more than a few months now, but the Dh363 has not yet been credited back to my account.
Whenever I write to them, the relationship manager calls and says that it is under process.
Of late he has also stopped sponding to my mails.
For a delay of two days, where I was not at fault, is it right for the bank to debit Dh363? I would like to seek Gulf News’ kind intervention in resolving this issue.
The management NBD responds:
of
re-
Emirates
With reference to the complaint, we are pleased to inform Gulf News that the concerned department contacted Mr Gupta and resolved his complaint.