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Hi,
I used to have some credits cards and during crises in 2010 I missed some payments. So banks submitted my security cheque. It was in 2010 and 2011 for 2 banks. I cleared both within 2-3 days and it was for small amount worth Aed 3,000 and Aed 6000. I even got my passport back from police after submitting the bank clearance letter. And I am traveling freely.
But now when I applied for loan, bank said that my name is in Emcredit list, and as per Emcredit my case files are still open with Dubai police.
Can someone will assist me how to close these 2 cases from Dubai police file. Its been now 3 years since I paid the debt.

Hi Kap292. Welcome to Dubai Forums.
I am no expert in this matter but I would contact a lawyer about this.
Hope someone will provide a more useful answer.

Regards.

Thanks Andyba.
Can anyone tell mew any other way to sort it out.

Why dont you go to Police and ask them about this problem, that you have paid all your credits but still in bank you are in Emcredit file. I think police will help you in this.

Kap292,
Go to the police station where your case has been filed, pay AED60 fro clearance letter - this is option 1

Pay AED100 at the emcredit office to remove your name from the black list- option 2

Note: most of teh banks are not accepting applications of people whose name appears in emcredit. once our profile is listed in emcredit for any reaosn banks will straight reject our application

hope this suffice your requirement

sandeep

Yes very true. Once emcredit has the name on the list they will not clear it....it will always be there. So now it is up to the bank whether to give loan. It's like a stain which will never go. Sad but true

--- Apr 15, 2015 ---

kiwistech ,no it doesn't help

kap292 & anyone in same situation,
Emcredit gets static "moment in time" info from Dubai Police. So if a cheque case has been closed, they are often Not Aware.

Therefore, quickest way to have Emcredit show your cheque/ Police case is Closed on their reports is:

1) Go to relevant police station where case was made & request Clearance Letter describing any cases closed (will be issued in Arabic, referencing the case number and amount of cheque). They will stamp it officially. Cost is 60 dhs.

2) Take this Original Clearance Letter in person to Emcredit in DIFC/ Dubai International Finance Centre in Building 5, 3rd Floor, Suite 301. Submit this, your Passport and Residence Visa copies, and front & back of Emirates ID, fill form and pay 100. Within 2 working days, Emcredit will add to your file that the case or cases have closed. However, the banks will still see there was a cheque case and for what amount. So it will be up to them to finance the person or not with a loan. The original cheque case reference cannot be deleted, only it can show that the case is closed.
Phone number for Emcredit: +971 4 363 7888 or email: customerservice@emcredit.com

Hi, i need some advise please, one year ago i lost my job because of that i wasnt able to pay my loan in the bank. now i receive a call from the police, telling that i have to give them my passport because i have a case from my unpaid bank loan. Now that I found a new job, my pro cannot process my visa because of the case that the police case filed on me? i dont want to be put in jail as it may jeopardize my new job what shall I do? i was planning to visit the bank and ask for a restructured repayment schem and show them that I am really jobless for a year no and that I am not capable to pay them. would it lift the police case in doing so? i dont have the reason to run,
need your advise... thanks

Hi,
I used to have one credit card FGB and during crises in 2010 I
missed some payments. So banks submitted my security cheque. It was in
2012 TO BANK. I cleared within 2 days and clear

from police after submitting the bank clearance letter. And I am
traveling freely.
But now when I applied for credit , bank said that my
name is in Emcredit list, and as per Emcredit my case files are still
open
Can someone will assist me how to close this case fIts been now 5 years since I paid the debt.

We are experts in removing bans and blacklisting, Call for advice and consultation Mr. Zaidi +971554520180

zyadnader wrote:

gets static "moment in time" info from Dubai Police. So if a cheque case has been closed, they are often Not Aware.

Hussain Here - I am giving you a very recent information and update. My case was with FGB too in 2010.

So this is what you do.

1. If you had a hearing in court in 2010, then you need to go to the court and give them your case number and request for Kaif Al Bhas (not sure if I saif that correct in Arabic).

2. Take that letter to Dubai policed station - where your case was registered.

3. They will close the case. Pay 150 and they will give you a letter clearance letter "To whom so ever it may concern"

4. Give this letter to EM CREDIT with 2 passport size photographs

5. Em credit will close the case.

--- 1 seconds ago ---

zyadnader wrote:

gets static "moment in time" info from Dubai Police. So if a cheque case has been closed, they are often Not Aware.

Hussain Here - I am giving you a very recent information and update. My case was with FGB too in 2010.

So this is what you do.

1. If you had a hearing in court in 2010, then you need to go to the court and give them your case number and request for Kaif Al Bhas (not sure if I saif that correct in Arabic).

2. Take that letter to Dubai policed station - where your case was registered.

3. They will close the case. Pay 150 and they will give you a letter clearance letter "To whom so ever it may concern"

4. Give this letter to EM CREDIT with 2 passport size photographs

5. Em credit will close the case.