Leave the country with outstanding debts!!

mmmm...

as far as I knew, your sponsor is the one guaranteing you.

Thats why they ask for a NOL from the sponsor for you to get a loan from the bank.

Probably (im not an expert on this) they will charge against your sponsor if you default the bank.

Can anybody confirm?

BTW, it is 75K USD, not QAR. It looks like a loan for car or accomodation more than a personal loan, so probably she doesnt have the money. The asset will remain in Qatar (probably).

War looking for peace,

is like fornication looking for virginity.

It is bank mistake

Approved the loan by seeing face not salary

I guess

Its idiots like this that make life more difficult for expats. Cretins living the highlife, pretending that they are film stars, driving cars that they previously could only test drive, bragging to their friends back home how big their villa is.

Tell your friend shes a silly little bitch

welcome to the wonderful world of being an expat.

Fran, just one comment which may or may not pertain to your case. You say that you left your employment for a family funeral while on a business trip and notified your employer from the UK. If I had left my last job without permission (in advance) from my employer, I would have been fired. Even for a funeral. If I had overstayed my allotted time for a family funeral I would have been fired. And this is a large American company. If this is true for you as well, it seems that YOU broke the conditions of your employment, not your employer. Perhaps they had every reason to fire you. If this is the case, your assertion that you took the loan contingent on your continued employment is not a valid one.

Mandi

It's funny how some people have no ethics, and would brag about it....

If you're not repaying a loan, it's THEFT... They gave you a loan on the condition that you repay them, if you don't, then you just took their money.

ok let her go and ill catch her... later...

she will be caught but i have an idea for her, go to Somalia, you will never get caught there (maybe kidnapped)

Poverty is not for the sake of hardship. No, it is there because nothing exists but God. Poverty unlocks the door -- what a blessed key!

- Jalaluddin al-Rumi

YET !

...once the person is out of the country. Specially if the amount is 75000 QR. If it was in millions yes. But definately not for such amounts. I know of a guy from SA who went away with 750,000 QR plus maxed up credit cards. Nothing Happened.

Source:

- A study Conducted by FriedUnicorn - Vol I (September,1999)

agree with franc, fucking banks always like to call Police,

This is a classic example of short mindedness! I have my friend "Fucker" who went to Afghanistan after working in Qatar for quite a long time. he was able to avail all those bank services i.e. personal loan, overdraft, credit cards & car loan. He told me that when his already in Afghanistan he will just transfer the amount required on a monthly basis. For unknown reasons he failed to do such promise, only last March he was screened and blocked at Dubai airport. He was asked by interpol to pay his total dues in Qatar otherwise he will be put in jail. "Fucker" called up his wife and advice her to send money to dubai. Received this shameful news from him.

I have to say, reading all this is very worrying. I'll give my case and lets see the criticism I get.

I left Qatar in March after being on a business trip in Dubai, whilst on my trip (on behalf of my employer - a State run Oil Company), I received some bad news from the UK and had to leave 9 days into the trip.

Whilst in UK and after notifing my employer of my emergency leave, I noticed no payment was made to my account, I was then bombarded with threats and horrid extremely personal emails from a number of employees, passing judgement on my actions. I lost a very close family member, I was then advised indirectly that I would be terminated upon my return to Qatar.

Here is my reason for not returning:

A. I have 2 yound children in UK and couldnt face not seeing them for a huge amount of time, whilst I repaid my debt to HSBC and a small amount to my employer.

B. The threats where intimidating and personal and I was not prepared to risk my future in returning.

C. I originally took the loan from HSBC in good faith on the back of my position in Qatar.

D. I outlayed thousands of Riyals for Accomodation, Paid out huge amounts in flying my family out, cost of living was more than expected.

E. Being trapped was not worth any amount of money.

However you want to look at this, Qatar's controlling element does not help itself, in the UK I have zero debt and have run a bank account for 25years, I have freedom and can live without the stress that should I need to go to my family in Italy I do not have to ask permission.

I never knew the extent of the control your life is under when I started and I regret going to Qatar for this. I have not one bad word to say against any Qtari Nationals, they where all except 1 or 2 very welcoming.

I contacted my bank the minute I knew I wasnt returning to arrange repayment, only to be given a ridiculous instalment figure to repay. I am not in work at present and trying to rebuild my life. I will challenge any action by any Qatari bank by taking them to the High Court, as I am NO thief, No Fraudster and honest in all my actions.

Honesty is the best option and I hope to resolve my situation in the years to come.

cheers novitta77

if she think its easy tell here to think again

the gcc countries now are connected to the US security systems and they communicate about crimes big time

the world is getting smaller and its not worth it to be stopped in international airports never the less a bad credit in the USA

That was the best settled arguement on QL so far (as far as I have been assciated with)... hope others can emulate too and harmony and good will among all continue to prevail...

Cheers to goaboy and dweller...

For the topic on this thread... such actions on the part of a few people makes the other expats vulnerable for questioning of their credentials... however, it is quite often heard of people doing it ... I however think that such things may not go to the extent of involvement of Interpol as the insurance agencies/banks do have a bad debts account... however, if such debts do increase they may end up increasing the premium charged which again comes back to constomers like us in some form or the other.

One Life to Live...Live It To The Fullest

Accepted

well ok i maybe wrong my mistake sorry

Thanks for the advice.

As Novi said, I spent 17 years in Qatar (from before you were born) and your comment was one of the most ridiculous I have ever come across. I still feel that you have a lot to learn about living in the region.

Doha hasn't changed that much since I last left and debts have to be repaid. NOT to repay puts pressure on the authorities to make leaving more difficult for others. As I said originally "I'm all right Jack pull up the ladder".

and wretched and despicable.

But the plain truth of it is if she plays her cards right, she’ll probably get away with it. If she fakes a vacation & gets to US soil, the worst that will probably happen to her is she will have really bad credit for awhile. Even if Interpol gets involved, if she gets to US soil (and, no, they will not harbor her on the base!) the US is not going to give her up to foreign authorities for less than a quarter mil USD and evidence of intent to defraud. $75000 US is about the threshold for processing their own internal fraud cases criminally – they are not going to allow someone to extradite for that.

What they MIGHT allow, if it’s through Interpol, is for the foreign bank to take any monies she’d have from the US feds (IE, tax refunds, stimulus payments, etc) for the rest of her life until it’s paid off. Her state of residence might even allow wage garnishment. So the ghost of this could be with her for a very long time.

{Sigh} I can understand the huge anti-bank sentiment in America right now, but such things are just wrong. I hope this young lady thinks better of it.

This is stealing and just plain dishonest she will wind up paying for it one way or another, either in money or in the shame she will carry in her heart. Or both.

-----

A wise young crackpot knows no fear - Ian Dury.

goaboy, Dweller lived in Qatar alot longer that many Qlers are.

Yes, go to US embassy and tell them that goaboy from QL recommended you to take refuge at the base.

when you dont know things here then dont interfere be happy in turkey were you are

I don't think you realise what you are saying

be made if you have pull or power

for all other expats.

As Novi said "and they want the authorities to do away with exit permits".

I'm all right Jack pull up the ladder springs to mind.

Of course they will catch her.

Good grief, goaboy, wherever did you get that information? We US citizens can't even access the base without an ID let alone take some sort of criminal refuge there. The American military authorities will in no way give us a free ride home especially without a passport. And you better believe they can "touch" an American. Ask any US citizen who is or has been in jail in Qatar or has otherwise run afoul of Qatar law.

Mandi

her to leave if they take her passport just tell her to leave using us base they cant even touch her shes american

really, take such risks for QAR 75,000???? About not coming back to qatar... come on... how many people would ever contemplate to come back after a few years in this place??

Stay, put up with it, do your job, save money and leave for a normal life again....

better assume another identity now!

new passports,accounts,driver's license, etc.

have her hair done.

:P

"I don't go back on my words, that's my way of ninja"

If the bank does get wind of it, they can check with the employer and ascertain the needful!!! :P

It is like taking a cup of water from the Ganges / Jamuna river :)

"how about u just report it to her banker"

No point. any proof of her intentions :)

I dont understand..Why would some people take loan if they dont have any plans to repay?

uhhhh... macliam,

how about u just report it to her banker??? Knowing about it and not reporting it like being an accomplice, i think!!!

She might hate u for snitching, but i'm sure u can do without such a dishonest friend??? These kinda ppl make it tough for the rest of us!!!

atif242 - My Dear Banker. Learn the trick of the Trade :)

MRPAUL, they would usually ask for a vacation, and if refused, they'll ask for an emergency unpaid leave because of the (fake) death of a relative.

People who see no problem cheating the bank, cheat everybody.

only if the employee says that i want to leave the Qatar for good

.

Here the issue is that to leave Qatar and not to come back. Like employee leave Qatar and send his/her resignation letter back to employer.

I wasnt allowed to get an exit visa and leave dohell unless the bank sent a written letter to my employer saying i owed them nothing.

Is this moron a special case or have the rules changed ?

---------------------------------------------------------

I think you have me confused with someone who gives a sh1t.

INTERPOL is involved on large amounts not small amounts.

Moroever, ppl who runaway with large amounts can use it in any illegal activity, terrorism etc.

.

see this official link of INTERPOL

http://www.interpol.int/Public/FinancialCrime/FinancialFraud/Default.asp

She's not Robin Hood atleast he stole from the rich to give to the poor, She's more like Robin "Could", I would if i could, if i cant then i wont, but i must coz i lust for money thats not mine, but in time it will be fine.

Good Fortune always comes knocking at your door...when you are sh*tting in the toilet!! :)

_[]~SMoKE~[]_

Robin Hood or not Honesty is a very endeared specimen in today's business world.

qatarisun - Interpol is for Criminal Activities. Default of a transaction is not a crime but using stolen credit Cards are criminal acts.

Lucky Luciano, that's what me think as well... I am not a banker, but...

if Interpol got involved every time in the cases with few miserable thousands bucks (which even was not stolen, but voluntarily GIVEN to the person!), all what they would be doing is chasing the small debtors…. Nonsense..

*********************

“You become responsible forever for what you have tamed”. Antoine de Saint-Exupéry

You're right. If this happens, then the bank will come in with silly , draconian rules for the rest..

You're right. If this happens, then the bank will come in with silly , draconian rules for the rest..

FS give my shoes back which u took the other day while i was sleeping. It does not belong to you !!

Remember God is watching you NOT ME OR COPS !! :)

Sigh, and we wonder why it's hard here for expats sometimes. One bad apple can spoil the whole bunch.

Mandi

So lucky you think she is Robin Hood?

-----------------

HE WHO DARES WINS

Is there any Honesty left?

-----------------

HE WHO DARES WINS

Robbing a Robber is pardon by the God :)

Human minds think differently..*sigh*

One of the first lessons we get from home... Never take anything which don’t belong to you.....never desire for someone else things...always be true to yourself and be honest…GOD is watching you over...not the Cops!

1000% correct. You are absolutly right on your method :)

The above prople who doesn't have a legal knowledge can hoot how much they want:)

Check my Profile for furthe confirmation on my background :)

"INTERPOL will be also involved"

As a banker you should know Interpol get involves in Criminal Cases only. They don't involve in Civil Cases.

So the question is this a Criminal case or Civil Case?

In some countries Bad Loans, Credit Card non paymmnets are classified as Civil Cases which can lead to a maximum penalty of filing Bankruptcy against the culprit only.

Bank took a risk to earn a profit and bank should know how to minimize their risks in financial dealings.

I think you will find alot of people who do this are desperate.Once she is home then she can negotiate with the bank regarding payment if she feels guilty in any way..

So if you steal/cheat, and think you won't get caught, it's OK????

This person is repugnant. She/He has zero morals.

As I said, Nothing Banks can do. Trust me there all full of hot air and threats and if your feeling guilty just think of all those charges banks and billions they make with your money.

If she is going to leave, Quietly move all your things etc back to the US and then go home for a break. Then Simply never come or look back here.

From what I heard once on the grapevine, Gulf banks used to write off bad debts because they were flush with cash and didn't really want to be bothered.

But with so many people fleeing with such large amounts owing, it is now cost effective, and financially prudent, for them to start pursuing debtors for increasingly smaller (if you can call 275,000 Riyals small) amounts of money.

If it was a few thousand, maybe it might be worth the risk (putting aside questions of morals, ethics and the law). But why would you risk potentially ruining the rest of your life by doing something as stupid as running off with that much money in unpaid loans?

The bank takes a copy of your passport for exactly this reason.

all loans are insured and once a bad debt occurred, the insurer pays it. Now it's the insurer to run for the bad debtor and recover any amount that they can. It's not the bank!

........tsk! tsk! tsk! Ganun pala nangyari sa miting ng mga Heneral!!!!!!

"Don't let a little dispute injure a great friendship"

Now we know the real reason for the current recession in America!

-----------------

HE WHO DARES WINS

if they are in NEWZEALAND after the authority were alerted, then the moment they will use their CREDIT CARD or passport or entered any public transport/area, they will be caught.

.

But if they left the country before authority got alerted then its a big possibly that they might get away but I still doubt because they have a HUGE AMOUNT and they will be now QUITE FAMOUS in Newzealand and other neighbouring countries too.

.

I hope they are enjoying in AFRICA or Far East Asia or any jungle where they can spent each and every penny without getting caught only if they are having low profile.

I wonder how much effort the bank would actually make. She could "disappear" once in her own country. In addition banks carry insurance for such deeds , so would they really put themselves out ?

hahaha - there's nothing banks can do once you leave?

Check out this pair who fled New Zealand with money that was wrongly credited to their account.

They are being followed all over the world to try and get it back:

http://www.news.com.au/story/0,27574,25539636-401,00.html

Moreover, a person must do the maths b4 taking any loan from any financial institution. Because every bad debt makes the bank's policies more tougher for the upcoming customers / that nationality who might be in extreme need for a loan for a valid reason.

coz she doesn't belong to THIRD WORLD, she is from USA which is almost fully integrated. The moment bank will know that her salary is being not received by them they will enquire. They will file case against her and INTERPOL will be involved as any amount more than $50k {not sure} is required for them to get in action.

.

So whenever she will use her CREDIT CARD,passport or SSN whatever within USA or outside USA she will be caught instantly.

.

Banks have recovery agents in many countries who take commission from them on every outstanding amount to be claimed from the debtor. These agencies are very expert in their field too. So don't take this easy my dear :-)

and you asking for 'exit permit' to be abolished ??? People like your friend ruined it for the rest.

Im sure that now with electronic passports anytime you enter a country it must show up that u owe a bank this money and u can be arrested at any international airport when the figure is substantial enough. Though I am not an expert on this matter and this trype of technology.

Surely thats the whole point of electronic passports. Its to keep a tighter grip on people

Tell Her to go for it.

If it goes wrong for me I will be leaving all of my debts and maxing my credit cards on cash withdrawls and kissing this place goodbye.

Dont worry about being caught as there is nothing that can be done once she is out of the country( Hence the whole Exit Permit thing)

This is much like Dubai where people are doing this in there thousands. Banks like to frighten you but in the actuality are quite powerless away from the middle east.

Yeah how is this any different from robbing a bank at gun point? Dont you think its a crime? Perhaps you need to do the right thing and inform the bank about her intentions.

Good Fortune always comes knocking at your door...when you are sh*tting in the toilet!! :)

_[]~SMoKE~[]_

on my fellow American. It's called stealing, and yes with that large of an amount the bank will go after her. They have gotten really picky about things like that and they do have a way of tracking her down and making her life a living Hell. She may be jeopardizing her career.

The bank will pursue her, and the bank will win.

Your friend is a moron if she thinks she can just walk away with that much money and expect no one to retrieve it.

Also its the duty of the person's company to first inform the banks if she's been terminated and to clear up or close her accounts. isnt that right Atif? She can only run away if she's not been terminated doesnt inform her company, says she's going on vacation and never comes back.

Good Fortune always comes knocking at your door...when you are sh*tting in the toilet!! :)

_[]~SMoKE~[]_

That is why banks here have become stricter in granting loans for those who badly need it and will honestly pay for it.

I also know people from my work who did the same, as of now they are running free and think that they got away with it (wiwithout hardwork plus extra money on their pockets), but we may never know in the future.

You are right to advise her, the world is getting smaller with the help of technology. I think its much better to travel freely without the feeling that one day someone is on the hunt for you, knowing that you did something intentionally wrong

That's not a good behaviour at the very begining, weither she's going for good and never returning or she's returning, that's called stealing. She wouldn't want someone to do that to her. And overall you never know she has to assume what if she get caught? She will end up in jail. That's up to her inner self, I mean what kind of behavious is this.

She better pay them, in anyway.

"Better in time...down just like that"

As a banker i would advice to her not to do so. As her amount is large, the bank can file a case against her and INTERPOL will be also involved. So whenever she will travel within USA or outside, she will be caught instantly as this country is fully integrated electronically.

.

I would say she only take such step if she is damn sure than she can arrange atleast a monthly installment for this bank {from which loan taken} from her home country.

.

If this loan was taken against her salary, then bank will know that she is absent from Qatar as her employer will not send her montly salary to her account. They will block her any outstanding credit amount and will try to find her whereabouts. She just need to keep on paying her monthly installments. Still I doubt, her bank will not take risk and will file a case against her.

.

VERY RISKY STEP