Cery wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
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“Dear Steve,
I missed one payment for my first gulf bank credit card in the UAE so i wrote them an email to inform them of my current situation and to find a way to settle the matter with them, i paid 1,000aed against the minimum amount of 9,000aed.
However i was shouted at by the collection manager and was threatened to put me to legal case. While trying to speak with the bank people, i am also looking for other loan to pay the whole amount for the fgb card so i can close it. However, i feel that they trample my dignity and threat me as if im a criminal.
Do i have a case against the harrassment that is being caused by the bank? these people gave me the number of the police station instead of talking to me properly. Is that a form of threat?
Cery”
The Answer:
Dear Cery,
While you should not be yelled at I think you need to take a step back here and look at why the collection manager did yell at you. He doesn’t know you from the next person. He’s yelling at you because he’s learned that people react more to fear and that is the easy way for him to intimidate you into doing what he wants. He’s manipulating you. It sounds like you’ve fallen into his web.
The best approach is for you to always remain professional and courteous. If you don’t react, he will have to try a different approach to achieve his goal. And what is that goal, to get you to pay what the two of you can agree to.
Focus on achieving your goal of resolving this debt situation and don’t get let these collectors get to you and irritate you. It is not worth wasting stress and life energy over.
