A bank refuses to provide clearance certificate due to unpaid hidden charges

Hi,

I had a debt with a bank. The last year 2022, I completed all the payments, and my bank account statement shows zero.

Finally, I approached both the bank and the collection department for the clearance paper, but I was told I still owe them money (for late payment, SMS fees, maintenance fees, etc.) which seems to be hidden charges of about 10,000 AED which is not reflected in my bank statement.

This is not fair. Kindly provide me a solution on how to get the clearance paper without paying this amount.