First Gulf Bank is really the worst next to RBS Bank. Last year, i remember them calling me and telling me they don't care if i commit suicide as long as i pay the debt i owe them. then sometime in may 2010, collections called me and was asking me where i am getting the money to pay the loan.. and i told this person that it's none of his business where i'm getting the money to pay the bank... in june 2010 same person called me about my loan payment, and i was explaining to him it's going to be a bit delayed and he told me to shut up, i told him right back that he should shut up too because he had no right to tell me to shut up.

September 26, 2010 - Sumesh of FIRST GULF BANK with mobile number: 0503042047 called me again for my loan payment. I asked him to wait for 3 more days as my due date is on the 29th of the month. He told me that i don't pay the loan, he can make more trouble for me. i told him, fine, do it as if i don't have a police case against me. then he said he will not do that.

September 27, 2010 - BALA of FGB collections called my husband and was asking him to come to their office in Deira so my husband can enter and sign a settlement agreement with the bank with regards to his outstanding balance of 4000 dhs. I told my husband he should not come, and we will pay the full outstanding balance.

September 28, 2010 - same person called my husband and was asking why he didn't come. my husband told him that he already settled the debt and paid it in full that night. This person got irritated for some reason, and this is what he said to my husband:

BALA: Why did you do that? Why did you pay? I'm not asking you to pay. I'm asking you to come here. You have six months pending, there is legal case against you blah blah blah...

HUSBAND: What six months pending? I already pain in full last night. Can you give me your fax number so I can fax my receipt?

Really... what a shit! You don't pay... they harass you. You pay all your outstanding balances... they get angry with you. Collections people are this really so hard up in getting their commissions?

October 03, 2010 - another collections agent from FGB called me today and is asking me to restructure my loan, they will include my two credit cards Master Card and Makkah Card with the loan so it will be only a single account. I told him straight out that I'm not interested as I was fooled last year by this restructuring program wherein I payed an additional 16k dhs which I am not using. I learned my lesson from last year that's why I told him leave it as it is, given the time I can close the months pending on the account. then he started shouting at me and is talking to me in a very rude tone of voice and he even bragged about being the manager of this sumesh person...

is it right for collections agency to force you into some settlement in which you do not want? can i sue them in court for this? by the way, i had the call recorded when the bank called me...