In need of someone who has DEEP connections to the banks
Hello guys. First time posting here. I would like to apply for a loan or if not a cc. My salary is 17.5k AED, Going 9 months now in the company and we are under freezone DMCC.
The reason I am asking for someone who has deep connections to the bank is that I have tried applying a lot of times and always get denied because of a 'write off'-- something that banks never explained to me before.
To understand my situation better, I will write a short timeline of what happened.
2022 - I got a loan and CC, I was still paying and employed that time.
2023 of May - I lost my job and it has been rough but i still tried paying til I couldn't and had to focus on my survival first.
2024 of September - I finally got a job, bank contacted me again and offered me discounted payments for the settlement etc. I asked them if they could wait so that i can pay them one time, they said yes.
2025 of July end or Early August - I was able to pay them one time discounted payment but before this happened I asked them multiple times if it's gonna show 'CLEARED' on my credit report and they said YES and that I will also be able to receive and clearance letter-- which I did.
2026 last month - First time somebody completely explained to me about this write off on my credit report and the sole reason why I am prevented to get any CC and loans.
I know what happened was inevitable but one thing I never did was to run away. I could have gone to my country but I never did coz I want to properly fix what happened.
If anybody can help please reach out. Thank you!