Dealers asked the banks that they deal with, ensuring that what happened in last May was not repeated, when the banks delayed depositing the salaries of employees in their personal accounts, despite transferring them from their employers on time, noting that banks had seized the financial amounts in their bank accounts To pay monthly installments before their due date, which would not put them in embarrassing situations while paying their cards when shopping.
They stressed that banks are not entitled to deduct the premiums before their due date, or to reserve the amounts available in the balance and make it negative before depositing the salaries.
system update
In detail, the customer (Ibrahim A.) said that his bank delayed depositing his salary in his personal account until May 27, even though the salary deposit is on the 25th of each month.
He added that the bank also booked the amount available in its bank account on May 26, to pay the monthly installment for personal finance, even though it is due on the 27th of each month, wondering about the eligibility of that?
He explained that he contacted the bank's customer service center, who informed him of the existence of an update in the system (Al-System), wondering why the system was being modernized with the date of depositing the salaries of employees, at a time when banks are talking about spending millions in smart transfers of their operations and services.
embarrassing situation
In turn, the customer (A. Al-Qahtani) said that he was subjected to an embarrassing situation during shopping, when he discovered during the payment process that the bank he was dealing with had withdrawn his full balance to pay his monthly installment one day before the due date, at a time when the bank delayed the deposit of salaries for two full days, for a malfunction A technician, according to what the customer service employee told, expressing his regret for the bank's behavior and exposing him to this embarrassing situation.
In the same context, the trader (S. Al Marzouqi) said that the bank he is dealing with is deducting the monthly installment for his personal financing before depositing the salary, and before the usual and agreed date, noting also the transfer of his balance to a negative, which hindered the purchase of medicines and the needs of his family, despite That his employer transferred the salaries on time.
Big confusion
As for the dealer (p. Muhammad), she confirmed to «Emirates Today» that her salary is deposited in her bank account on the 26th of each month, but that May 2020’s salary was delayed until 28 of the same month, which caused her great confusion for two whole days.
She explained that the bank's customer service employee told her that there was a "technical error" due to the work "remotely", asking the banks not to repeat what happened due to the circumstances of the families.
In turn, the customer (Saeed A.) stated that withdrawing the bank from his entire personal balance to pay a monthly installment caused him embarrassment when he discovered while supplying his vehicle with fuel that his bank balance is negative, forcing him to pledge the ownership of the car.
He explained that his bank had delayed depositing the salary in his personal account until May 28, a difference of three days from the usual on the 25th of each month.
He added that the customer service center was asked, upon inquiry, to consult the employer, even though his co-workers received their salaries from other banks on time, which means that it is the bank’s fault and not a delay from the workplace.
Nasr: The bank justification is not convincing ... and the delay confuses individuals and companies
The banking expert, Amjad Nasr, said that the banks ’justification of delaying the deposit of salaries due to work“ remotely ”, or updating the regulations, is not convincing, as it must have a very fast mechanism to implement the orders of different agencies to pay the salaries of employees, especially in light of the current circumstance related to a virus Corona the newcomer "Covid-19".
Nasr stressed that delaying the deposit of salaries into personal accounts causes great confusion for individuals and companies, and it is necessary to ensure that this does not happen again.
He added that banks' contracts with dealers regarding deduction of the financing installment by a certain date are customary, and in return, banks can reserve installments once the customer’s salary is transferred, and the amounts available in the balance are not deducted at this exceptional time.
Nasr stressed that the banks have invested a lot in digital services and technologies, and they can modernize them to facilitate the way to deal with customers during the work "remotely".
He revealed that banks rely on non-essential employees, in what is known as "Outsource", and this category operates "remotely" from outside the state sometimes, and in customer service centers, pointing out that some banks rely on this category of employees during work to implement a deposit Salaries in personal accounts are the latest mistakes that delay their disbursement, which banks should pay attention to, ensuring non-recurrence, and in line with the strength and potential of the banking system and its reputation in the UAE.
Banks: technical malfunction
Three national banks, who requested anonymity, delay the deposit of the salaries of the month of May 2020 in the customers' bank accounts in their usual time, due to technical failures in the systems, stressing that the problem has been corrected.
The banks added to «Emirates Today» that the salaries were deposited in the accounts of all customers at the end of May 28th.