I’m inquiring on behalf of my sister. 3 years ago,she made a loan to a bank in Saudi Arabia. After she finished her contract and made exit to KSA, the loaned money wasn’t paid.
Few days ago, there was this certain Bilkish company asking her to deposit 10,000SR on the 25th. However,she called the bank and they didn’t verify this company as their 3rd party collector. She contacted directly to the bank for terms of payment and was instructed to pay directly under her closed account or remittance center accredited by the bank.
She keeps getting calls from this Bilkish company, she already email them that she’s transacting directly to the bank she loaned the money.
We tried to get the contact number of the bank branch but we were instructed to call the customer.
1. Is this Bilkish collecting agency a legitimate 3rd party collecting agency? (I’ve read a lot of complaints online)
2. My sister’s account was already closed 4 years ago but she was instructed to remit the payment under this account according to the customer service agent’s instruction, how is this possible?
3. Can my sister be filed a case of not paying the debt? She’s willing to pay the loan.
4. Will she be still able to travel?
I have just a few questions to try and help me better understand your sister’s situation.
Where is she currently residing, what country?
Has Bilkish provided her any documentation that they now own the debt, or are just an agent collecting the account?
In regards to your questions, yes Bilkish is a real company that provides “debt resolution” services or collects for various banks and lenders. They should have provided your sister with some form of documentation that they are collecting the account.
If your sister has set-up a repayment plan directly with the bank, the bank needs to make the collection agency aware of this, and if your sister have any papers showing the repayment plan, she can provide them to the collection agency as well.
As to using a closed account to make payments, I cannot answer this. Maybe the bank did not fully close the account, I don’t know. If I were your sister, I would insure any and all payments are well documented with a solid paper trail.
As to if the bank may file a warrant or court case against your sister, again, I really cannot say. I would hope and like to think, that as long as she is making payments,they would not do so.
The travel question is a tough one to answer. Different countries have different laws regarding these matters. The majority of countries in the world have no travel restrictions just because someone may have an unpaid account or debt. She may wish to seek legal advice on this.
I hope this helps, and that your sister gets the matter resolved. Let me know how she gets on, and we can advise on this more.