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一张”终身免费”生活信用卡使男子陷入牢狱
男子声称10个月前他曾要求银行免除卡费或取消该卡
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迪拜：阿布扎比印度的侨民抨击银行用涉嫌用空头支票信用卡陷害他入狱，他声称自己从未使用过该卡。
31岁的Irfan Ahmad Mohammad，说他因信用卡欠费后银行开了一张空头支票使其蒙冤入狱。
Mohammad他在2013年九月份收到了一家银行的信用卡，但从来没有用过。他说：“代理人告诉他，这卡是“free for life终身免费”。
一年后，银行职员对Mohammad说他收到一份来自银行的说明，说他每年的银行卡会员费为200迪拉姆。
第二天，Mohammad去了银行，通过书面要求银行免费办卡或者取消该卡。2014年9月7日银行收到他的费用或取消该卡的书面要求。
“因为我没有接到银行通知，我又去了一次。在我第三次去的时候，银行官员正在处理我的投诉电话，扫描我的信件和电子邮件，并告诉我已经处理好了，”Mohammad告诉Gulf News。
无零售购买
十个月后，七月，Mohammad接到警察的电话。
认为这是一个轻微的交通违规，Mohammad到了警局才发现，该银行已经使用了他的空白支票并以这张空白的安全支票作为控告他的文案。
“我从来没有使用过那张信用卡，甚至没有用过1迪拉姆，”Mohammad说。
Mohammad告诉Gulf News ， 2015年7月23日银行声明副本表示他会员卡上出现了未清余额为4509迪拉姆及迟付费用。
它不包含任何个人或零售购买物品。
“他们无缘无故地送我到监狱。我有一个为我担心的妻子和学龄儿童。我的工作正处于危险中。这是无法忍受的，“他补充说。
Mohammad支付了5000迪拉姆后被释放。他声称，在这10个月，他从来没有收到来自银行的一个电话或电子邮件来说明他有待支付的会费。
这是因为他认为这个问题在去年九月自己最后一次去银行核实时就被解决了。
联系时，该行的企业通信部门说，银行已经调查投诉，并说对于这个问题他们联系过Mohammad。
“许多场合通知并联系顾客，以解决未清余额以确保顾客没有锁卡。此后，他同意这样做后，这件事被升级到当局”该银行在一份声明中说。
“在2014年9月，当客户要求关闭自己的帐户时，有一个悬而未决的余额，”该声明说。
目前尚不清楚，但是，如果这笔未清款项涉及Mohammad曾要求免费或取消的同一会员费。
阿联酋的授权法律顾问和Gulf Law合伙人Atty Barney Almazar帮助外籍人士处理债务案件，说这样的问题，如果是银行客户认真阅读任何银行产品并和他们签定任何合同时本可以避免的。
口头承诺，在提供该卡时，代理人通常不在法庭上。
因此，居民应始终确保自己拥有的卡实际上是“free for life终身免费”卡根据银行文件。
如果卡到通过快递寄来的并没有实际的合同签订，Almazar说居民仍应小心使用。
“仔细阅读带卡欢迎卡说明。阅读精美的打印说明。不要得到一张无用的卡，除非它真的是“free for life终身免费”卡。
'Free for life' credit card lands man in jail
Man claims he had requested the bank to waive the fees or cancel the card 10 months ago
(From gulfnews)
Dubai: An Abu Dhabi-based Indian expatriate slammed a bank for allegedly sending him to prison for a bounced cheque case on a credit card he claimed to have never used.
Irfan Ahmad Mohammad, 31, said he was wrongly imprisoned after a bank bounced his security cheque following non-payment of his credit card dues.
Mohammad said he got a credit card from a bank in September 2013 but never used it at all. He said the agent told him that the card was “free for life”.
A year later, Mohammad, himself a banker, said he received a statement from the bank stating he had pending annual membership fees of Dh200.
Mohammad went to the bank the next day and requested the bank to either waive the fees or cancel the card through a hand-written request which the bank received on September 7, 2014.
“Because I never got a call from the bank, I visited it again. On my third visit, the bank official who was dealing with me took note of my complaint number, scanned my letter and emailed it and told me ‘It will be done’,” Mohammad told Gulf News.
No retail purchases
Ten months later, in July, Mohammad received a call from police.
Thinking it was a minor traffic violation, Mohammad went to the police station and found out that the bank had used his blank security cheque which then bounced and was used to file a case against him.
“I never used the card, not even a single dirham,” Mohammad said.
A copy of the bank statement dated July 23, 2015 that Mohammad providedGulf News stated he had an outstanding balance of Dh4,509 for membership and late payment fees.
It did not contain any items on personal or retail purchases.
“They sent me to jail for nothing. I have a wife and school-age children who were worried for me. My job was at risk. It was unbearable,” he added.
Mohammad was released after paying Dh5,000. He claimed that throughout those 10 months, he never received a single call or email from the bank stating that he had pending dues.
This was because he thought that the issue was settled during his last visit in September the year before.
When contacted, the Corporate Communications Department of the bank said that it investigated the complaint and said that they did contact Mohammad on this issue.
“The customer was advised and contacted on numerous occasions by the bank to settle the balance in order to close the card which he didn’t. Henceforth, the matter was escalated to the authorities after which he agreed to do the same,” the bank said in a statement.
“There was an unsettled outstanding balance when the customer requested to close his account in September 2014,” the statement read.
It is unclear, however, if this outstanding balance referred to here is the same membership fees Mohammad had earlier requested to be waived or else cancelled.
Atty Barney Almazar, a licensed UAE legal consultant and partner at Gulf Law who helps expatriates with debt cases, said problems like this could be avoided if bank clients read the fine print of any bank products and any contract they sign.
Verbal promises, which agents often give when offering the card, do not hold up in court.
So, residents should always ensure that the cards they have are actually “free for life” according to the bank documents itself.
In cases when cards arrive via courier and no actual contract is signed, Almazar said residents should still be careful.
“Read the welcome kit that comes with the card. Read the fine print. And don’t get a card that you don’t need unless it is really 'free for life'.”
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