874-293-1421

Mr X. thanks for your reply. I am really serious and also collected lot of evidence against these agencies. And yes for the benefit of lot of people like us i want to screw them once and for all. Lets do it..not the thing is i ahve already told everything to my parents and they support me, i also have the circular from RBI which states very clearly about not entertaining any gulf bank. Plus lot of communication from these people...also have numbers and person who contacted me.. i have made a circular and already its with my family in case anyone turns up at my door or calls the house..they will go to the police station and complaint directly. Please share your email address with me so we can start this process. Awaiting your reply.

write to me on free_m2@hotmail.com for the time being and then I will share with you a more authentic ID on which we can discuss and proceed accordingly. :) Not cause I am scared to give my genuine ID. They have it already and am waiting for someone to write on it proving their relation with the bank (in fact I have a couple. Pathetic improperly trained agents; they may have not known the legality on exposing themselves... lol). Just to ensure that I don't get too many spams on the genuine ones.
Yes there need to be a start on this so that our fellow Indians who lost their lives because of these banks cunning strategy, who are brave enough to join us can end their mental torture from these so called unethical opportunist debt collectors once and for all. Lets join hands and make this happen to literally gift them insomnia.

Dear fellow mates; maybe you might be using these apps on Android. If not try these. might come in handy with these callers.
Phone Tracker, Truecaller, Automatic Call Recorder and apps as such. Just a tip.
Mention that the voice conversation is recorded towards the end of the conversation. Wont you love to see his/her face when you say that!!! I have enjoyed it visualizing their face on their silence that follows. In fact I have started loving this game these days scaring them to [***] their pants.... Cheer up friends.... You are not a criminal!!!

To give you a little more courage...
Why would these people call you saying they are going to file a case against you and arrest you? Did they feel pity on you to give you a life again? Why did the banks in UAE without delay (when 3 installments are due) bounce your cheque and file a police case and arrest on arrival @ immigration? That's logical. If they or these confederates could do something legally in India, would they wait to negotiate to make you pay and give you a chance to go back to UAE. Damn me if that is right!
I understand your concerns and fears cause I have been through it initially taking into consideration the embarrassment within family, relatives and society. Even had thought of suicide many times after these banks made me lose my dream job I somehow managed to get after months of job search without any cooperation from the banks. I simply paid the insurance and credit shield. Damn me. The story goes on and I curse myself most times for having fallen into this trap to survive in that adverse conditions when they were throwing away cards and loans. Well, happened is happened and are lessons learned. I have now grown up to tackle it. You too will in no time I bet. :)

The moment you consent to your outstanding dues and they get your address, its a call and a visit mostly taking you aback. That's a tactic. Visiting you without informing. Usually these field agents are not very well trained and are naïve guys given this job, working on very low salaries. Not all I would say. But most have mellowed down these days being aware of Goonda Act.
Now if you really want to screw this guy, ask him to come in, close the door and call the 911. But I wouldn't suggest doing so cause you in fact are killing a not so bad guy following instructions. Call his boss (generally the sales or operations manager or the team leader) in front of him and speak, note down his number, record the conversation and try if you can relate him to the bank. Never ever agree that you have a default. If you can get a proof of his company being a representative of bank in India, ask him to prove with legal documents which you will respect if so. Well, your tactics also matters as to shove them off. Important fact is collecting evidence including details of the visiting person, his mobile number and a picture with you @ your home. Rest you know my friend. :)

Dear Friends,

I got the call today.But he was talking bit different.He said, He wants to arrest me for the Credit card case. I was fully shocked & do know what do...
Really. I diidnt get sleep. the  time 2.30p.m. after searching with this pages.... am happy & realxed... happily go to sleep...If gupta calls me again....I will show him the Andhra culture....it will be more spicy..

Thank you guys.

Thanks Mr.X.

Best ,

Sam.

Dear Sam,

Do not worry. these [***] cant do anything. its like a modus operandi..they try everything to get whatever they can and then we look like idiots. Now if u get a call again. Tell him am ready to get arrested. [***] these people are

What was the number you got call from, even I got call from some of police station guys said speaking from Delhi, and then immediate after some min's I got call from one Advocate name Ranjit....and that number was from pune..i am not sure what's going on, what was the numbers you received calls from, can you please help, so we all together can indentify and then prepare to sue this bull [***] guys

Real police don't phone you and tell you they will arrest you. They just do it...and real police can't come after you in another country.  They must have international warrants and extradition treaties with your country.  This is all one giant scam, folks.  If they call tell them to blow it out their a$$.

In the Last call, the so called Inspector admitted that he has been made a fool (Ch****ya) by me and even by Gupta. Means he was not paid for the service he rendered for Gupta. Tit for tat.

4 years ago, I had personal loan of just 20k and have paid few installments. for about 8 months.  I returned back to India without paying the rest of the amount.

Will I be held at immigration if I visit  UAE.?  Am I blacklisted? Do I have to clear the pending amount at Immigration?
I do not have any details pertaining to this loan and payments neither I was call from any agent for repayment?
I do not even remember if I had signed the Cheque leaf.   Can I repay after viisting Dubai?

Kindly advise

I have not received any such call...

I also got a call from them today and they said non bailable warrent has been issued if you dont pay the money you will b behind the bars

sir please note UAE is now all set for catching defaulters in India.
The collection agents are warning the defaulters about extradition.

http://www.emirates247.com/news/emirates/inte ... -04-01-1.543940

Hi,

As you can check all previous Threads in here from Page 1 to 7 and you can find some of Bilkish Agents in this form too, they are watching and checking everything what we are talking and planning to catch people, But they can't do anything legally in India, if they do something out of line than they should have proof to present in front of the Court.

They are not Real Police walla they are just People who can speak like Police but they forgot that they need to Deal with some brave people who can give answer back.

Yesterday I received calls from YOGINDER, YADAV, RAKESH and GUPTA....they was telling me the same thing which mentioned from Page 1 to 7 but after I Spend My time on Google and spoke with my Legal adviser for same issue, As per him that Voice recording is more than enough that where he was shouting,abusing and threat you to put you in the Jail and Cancel the Passport.

I already made FIR in New Delhi about these people and I wish I had these people's Location details, in order to send Real Police at their Door.

How they can use such kind of Bad Language and ask money, which we never toke it from Indian Bank, what are they?

They abused My religion on the phone which I recorded well and I will submit these proof in front of the court.

I will not just sit to let them do what they need I will take some serious actions and show them that we are not GOAT to eat us easy....

Please get together and report to Local Police for same.....



Mobile Number they Used to call ....

9643428085 - YADAV & RAKESH
7838646683 - GUPTA
+971553400911 & +971554467028 - FAZAL - RAK BANK

guys dnt be threatened by these goon who cant do anything we are safe in our country ,,,
we did not do it on purpose tell them to take u to court ,,, it will never happen
and by the way liju UAE is not interested in any defaulter they have too many problems in their home to sort out /
the govt blames the banks for carelessness not customers ...
and by the way if UAE govt would want us we would already be there ....
they will not call to threaten but will take action ...with help of indian govt whivh will not happen as it spoils their image ....
have faith we wiil get thru this

I've similar issues. Just came back from Dubai in September 2013 with various CC loan approx 40 Lacs. Now i'm doing a job in India and one of these bank's(FGB) agents are already gone to my house and had a chat with my parents. My Dad given his mobile number and now they are calling him regularly. My Dad got scared and informed me today. Also i'm now planning to go to US from my new company work in next one month. I'm not sure which flight my company will provide me but if it's emirates or quater airways do i have any problems? Please advise..

Anyway thanks a lot to this forum and at-lest i can have a good sleep after reading this complete forum.

buddy do not take any gulf carrier or stop over .............
it is not worth the risk you might be arrested

Dear All,

Here is the Number who is calling now for money and threatening the peoples.

9643428085 - YADAV & RAKESH
7838646683 - GUPTA
+971553400911 & +971554467028 - FAZAL - RAK BANK

Please check below the mail communication with RAK BANK person, who was keep asking me Money Transfer from India by his Agent or exchange house and not confirming that people who is Calling me for money is RAK BANK hired people.

Don't worry they can't do anything in India by legal way and if they do some FIR in India than people should have Proof to prove in front of the court in India otherwise Who filled the FIR on you they will go to Jail in order to misuse of Legal System.

Please keep in your mind that Many of us survived from flood of recession in Dubai and Lost the jobs and when we received any other offer these people not let us do the job.

Many of us agreed to pay but they forced us to pay in one Shot,how???

Before issuing us CC or Loan they checked everything about us and we been very nice for them and today we are big criminal for them, why???

One more thing!!!! they already covered the most of amount of Credit Card/Loan from insurance companies and now they started to take some more from us as bonus.....

If You can understand well than Please face them and show them that you are not stupid or afraid....the Day they call you for money, tell them directly that go to court and you will settle in court not with any agency or agent in India....

Please GO TO POLICE the same day when you received call.....Make an FIR on same day....

When they Call you and you don't start recording than ask them to call you back and than you can start Voice recording....

Take as these to Police and tell them directly that this is the issue....

Please check below my mails with RAK BANK person- I think fake mail id ....or this collection agency asked bank to make some ids on their Domain for collections....



I am waiting to FIR Number and once received I will show them that this is not easy to use POLICE name and threat people and make them afraid....

Here is the mail....

Dear Fazal,

Thanks for the mail.

As per our discussion yesterday that you told me 25,000 AED need to pay(Recorded) and below is entirely different than what you told, please provide me scan copy of my Bank statement and other details as requested below.

Please confirm that you appointed This collection agency(+917838646683 SC GUPTA, +91 9643428085 - YOGINDER, YADAV & RAKESH),  and the people who are calling me from India behalf of RAK BANK - Credit card payment recovery.

Kindly send me the Contact person details for payment transfer and process, also attach the Letter of approval from Reserve bank of India to Transfer the Money Outside India and Indian Office details of collection agency.

I will transfer the money from India by Legal way to UAE - RAK Bank.

Waiting for your Quick reply.

Replied:-

My name Faisal as mentioned in the email and the signature below, The bank has only hired Mr. Gupta in order to get your account settled or initiate the legal procedures. Note that if agreed to settle the account in the current month as informed earlier the bank shall forward you an official settlement email confirming the same and provide you details of the exchange house in order to transfer your funds.

Replied:-

Dear Faisal,

Thanks for the reply.

Send me the Letter and other details as mentioned in my previous mail.

More ever than, your RAK BANK Money collection agents from India is keep calling me and using abusing language and Threatening me about to put me in the jail, Cancel my passport, put on me criminal case such like TERRORIST and will come to my Home and Start Threat my Family, I recorded all the conversation which we had(+917838646683 SC GUPTA, +91 9643428085 - YOGINDER, YADAV & RAKESH), they are using Delhi Police Department name to Force and make people afraid.

I already filled an FIR(First Information Report) in Delhi Police and Delhi Police is Start Looking for same people, Delhi Crime Branch already received many compliments for same people and Soon Delhi Police will find them regarding the same, because As per INDIAN LAW & RBI that no agent or collection Agency can call like this and start use Abusing language and I mentioned your name and RAK BANK too.

If this is the case and RAK Bank will use FORCE to take money back than, Please go ahead and we will settle this case in the Court by Legal way.

Send me the legal Notice letter and other details, I will give you answer by my Advocate from India and you should provide me a letter which attested by RBI in India to mentioned that I can Transfer the Money Outside India or Handover this Money to your collection agency and provide me the office details. Do you know calling people in India for Money and using abusing language is Criminal Offence and this call money extraction.

Note:- As per you that you Born in UAE and you know very well UAE LAW but you need to read about Indian LAW and IPC sections.



1. Criminal Procedure Code, 1973, Section 438, Indian Penal Code, 1860, Section 420, 406, 467, 468, 471, 120B -- Anticipatory bail- Money extracted for sending abroad - Parties compromising

2. Indian Penal Code, 1860, Section 406, 420 -- Quashing of proceedings under Section 482 Cr.P.C. - Complaint against your Collection Agency - Who are using name of POLICE DEPARTMENT.
3. Money Laundering Control Act of 1986

4.
Date: Apr 24, 2008
Recovery Agents engaged by Banks
RBI/2007-2008/296
DBOD.No.Leg.BC.75 /09.07.005/2007-08

Replied:-

You may note that you may also inform the police department about your fraud done with an international bank 5 years back and that the bank has initiated a case against you. Note that the bank should have filed a case earlier in order to get your arrested at the airport which would make it difficult for you to clear your outstanding, however the bank being lenient did not do the same and the customers have taken advantage of the same.

However you filing FIR is a concern to Rak bank, since this is a local bank of Ras Al Khaimah and as per the laws and regulations of Dubai where the card was used and taken, the bank has the entire rights to initiate any legal proceedings in order to recover the outstanding from an intentional defaulter. Note that Indian Law does not apply to an international bank, hence you may either clear your outstanding or face legal complications.

We would also advise you to do your homework on fraudster that use banks money and run out the particular country for several years until they are traced and caught. Hence the bank shall no longer entertain any settlements for a defaulter like you and recover the total outstanding with legal charges as per the terms and conditions.

Replied:-

Dear Faisal,

Please send me the Bank cheque scan copy, which I gave as security, if your have? Do you have?

Yes, I mentioned to Police Special Department that I toke Credit Card and due to personal problem I left Dubai and i was not able to pay money on that time due to Jobless situation and I asked my relative in UAE to file an case same in Local police station for same.

I went to New Delhi Yesterday from Dubai and filled the case as mentioned below, SC Gupta is not answering the call from this morning, YADAV & RAKESH is not answering the calls, I gave Police copy of recorded conversation and contact details.

Below you have answer of your great question that you - RAK BANK have no Authority to do or take legal action for an Indian in India because he/she didn't done any crime in Indian tertiary, As per Indian Law - IPC you can not make any Criminal Case on behalf of Credit card payment/Defaulter.

But I can Make an Criminal case on RAK Bank collection agency and people because they are using illegal way to approach people and may be they think or yourself that all people in India is illiterate like Pakistanis. Am I right Mr. Faisal Iqbal?

I will make sure that Delhi Police and Special cell of Crime branch Delhi will catch your people and reach out to RAK Bank.

"However you filing FIR is a concern to Rak bank, since this is a local bank of Ras Al Khaimah and as per the laws and regulations of Dubai where the card was used and taken, the bank has the entire rights to initiate any legal proceedings in order to recover the outstanding from an intentional defaulter. Note that Indian Law does not apply to an international bank, hence you may either clear your outstanding or face legal complications"

I am requesting you to take legal action on legal way and please do on right away and I will make myself clear that I am still agreed to pay back RAK Bank but on Right Way & Legal Way, send me RBI attested copy for Money transfer authority to me in to RAK Bank Account and an Authority Letter on RAK Bank letter head and mention about SC GUPTA that he is your legal Collection Agent in India to collect money from RAK bank defaulters.

Kindly confirm above and let me know what will be RAK Bank final decision for same.

Replied:-

First of all, I have recorded our Yesterday telecom as per SC GUPTA on our telecom that he asked me Bank cheque to provide/send him in his office by my family or me.

How much you know about UAE and INDIAN law that is showing in below mail.

If you don't have any collection office or people hired by RAK BANK than who? is YADAV, RAKESH, YOGINDER & SC GUPTA???

Please let me know that in which ground you can take legal action in India? may be using some wrong way, but once I will receive the Legal Notice than I will inform New Delhi Special Crime Branch for same and than they can catch very easy People like YADAV, RAKESH, YOGINDER & SC GUPTA.

I gave Police that Two copies of recorded conversions(SC GUPTA, Myself & You)(YADAV,RAKESH, YOGINDER & myself) where is clearly mentioned that how RAK BANK is using illegal way to collect the money and calling people in India.

I was thinking to settle down all our issues in better way but Your people don't want to do in nice way.

I am ready to face all legal terms and go to court if you will not give me Contact/Office & Locations details of SC GUPTA, YADAV, RAKESH & YOGINDER

You wrote about filling a case 420, did you read below that how many cases can be on RAK BANK & your collection people in India.

Why? I should come to Dubai, I can Transfer from India.

I wrote you above everything and if you are agree than I can transfer money from India in RAK BANK but I will require Authority Letter from RAK BANK, read law for Money transfer outside India.

If bank not able to send me anything as requested earlier than it means Bank don't require money.

If RAK BANK require Money Transfer than Please provide me Requested below Documents and If Not, please go for legal action.

I am keeping these mails as my record to prove in front of the UAE and Indian Court as proof.

Many Thanks Mr. Faisal to provide me such support to make my case more strong for RAK BANK.

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