Saudi Arabia

Can Bilkish Chase Me in the U.S. for a Debt From SABB in Saudi Arabia?

Written by Jon Emge


Worked in Saudi Arabia for the 2016-2017 timeframe. Got a loan from SABB. Left Saudi Arabia to come back to the United States after contract was over. Have not paid loan payment since December of 2017.

Just received an email from Bilkish stating “Due to non-payment your account has become very delinquent; purpose of this mail is to assist you in resolving the account in amicable manner in your favor. We believe that your purpose was not to defraud the bank & your intentions are to repay back you liabilities but due to unavoidable circumstances the account remains unpaid, considering your present status we will try our level best to work out the best settlement plan for mutual benefits. Please understand, however, that if we do not hear from you within 3 days from receipt of this letter, Bank shall be constrained to proceed with necessary actions to protect the legitimate interests of the Bank. We trust that you will treat this matter with your utmost preferential attention. Your immediate reply will be highly appreciated.”

What actions can they take if I am no longer located in the Middle East? In order to get this loan, I was required to present a bank letter from my employer.




Thanks for the detailed information regarding your situation, however, I have just a few questions.

Do you know which office from Bilkish the email came from?

How much in total do you owe to SABB? Can you afford to set-up repayments?

Unless the account is sold or passed to a collection agency in the states, there is little if nothing the bank or collectors in Saudi can do. They have no authority in the United States.

This doesn’t mean they won’t try to make threats or take what action they can in Saudi, but to my knowledge, they have no offices or authority in the USA.

READ  Bilkish Wants money But We Agreed to Pay The Bank in Saudi Arabia Instead



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Jon Emge

Jon Emge is an experienced UK debt advisor who has helped thousands and thousands of people in the UK to deal with problem debt. Jon specialises in finding good solutions for problem debt using a variety of UK specific techniques.

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  • hello sir i am ahmed, i have unpaid cc amount around 17k riyal with sabb due to my job loss and unpaid salary from my company, the recovery agency calling to clear my debts asap and i requested to them to give me few months to clear all debts, but they are not listening mine and they are saying that they will file legal case and travel ban against me, i am so scared about here that from them, presently i am in saudi arabia and hunting for a job, please advise me that they can make against me travel ban and case,,,,
    reply me sir.. i am waiting for your favor reply…

  • Hello sir, I’m lhou from the Philippines but I’m residing here in US I would like to ask you about my debt loan in Saudi Arabia back 2013. I borrowed money in the bank 51000 saudi riyal. And i went for emergency vacation but unfortunately I didn’t come back to Saudi coz I’m gonna move here. And recently the bilkish financial services find my relative and fb friends and they are sending a msg that i need to pay my debts. My concern is I’m going back home ( Philippines) for a vacation and there is a possible that they can hold me in the airport not to come back here in US?

    • Hi Lhou,

      To my knowledge owing a debt in Saudi and travelling to the Philippines and back to the US should not be an issue. Immigration and travel Visas do not get involved in owing a debt or civil matters.

      You can always inquire with Immigration.

      Do you hold duel citizenship or two passports? This just makes travel between the countries easier, and again, there would be no problems just from owing a debt.



  • Hi, one of my friend, whose nationality is Pakistanian, he has a loan around UAE Dirhams 110,000/= from Citybank UAE . He lost his job and despite many efforts for months, he could not get a job. He moved to Islamabad, Pakistan to see if he can get a job there. Now this Billkish ASSociates have started chasing him there in Pakistan, calling him too much and sending emails over emails, with threats of filing case, travel ban and bla bla…

    Question # 1 What I know from UAE lawyers, legally they can not open any case? is that correct?

    Question # 2 : What worst they can do against my friend?

    Questiion # 3 : Since my friend is still not in a position to pay, what he should tell them so that they stop calling him or stop the follow up.

    • Jonathan,

      I can imagine your friend is stressed over the whole ordeal.

      I cannot provide legal advice, but one would make the assumption lawyers admitted in the UAE would not have authority in Pakistan. This does not mean they may not assign the account to someone there to try and collect it. Which would be about the worst thing they could do at this point.

      Your friend can request they cease contact with him, phone calls, emails, etc, but they probably won’t stop. They know their contact details are correct, so they will in all probability, continue to try and speak to him.

      If your friend cannot pay, then he cannot pay. There is little at this point he can do. Staying in contact with the collection/law firm to know what is happening, and not be surprised later on may be a tactic to take.

      Sorry I could not offer more help or assistance.



  • Thanks.

    The very fact HSBC cannot deal with the account and that Bilksh is outside the US only confirms they have no authority to collect the account in the states.

    Let us know what they say next.



    • The amount would be around 130,000 Riyal. I contacted the HSBC bank here in the states to settle the debt, but they said it would have to be done with SABB. Only way to get anything done with SABB is with a Saudi phone number. Which, I don’t have. They send codes to the phone to verify identity. Online banking is the same way. I am not sure which office the Bilkish is contacting me from. Nowhere in the email does it seem to state a location.

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