Questions & Answers
I paid my landlord in cash in advance and he deposited my cheque. How to correct my AECB score?
I paid my landlord in cash 10 days in advance and he still deposited my rent cheque. My perfect AECB score maintained for 9 years is ruined.
How can AECB be reversed and compensated if AECB cannot be corrected?
The cheque value is AED 16,250 and I have sufficient evidence + receipt from the landlord.
The AECB is a credit reporting agency in the UAE that tracks the creditworthiness of individuals.
Any missed payments, bounced cheques, or other financial issues can negatively affect your credit score.
In your case, the deposit of the cheque, despite having already paid the landlord in cash, has led to an impact on your credit score.
The first step is to reach out to your landlord to resolve this matter. Since you have paid the rent in cash and have received a receipt, ask the landlord to correct the situation by informing the bank or the relevant authorities about the payment.
Ask your landlord to issue a written confirmation or provide a formal letter stating that you have already paid the rent in cash and that the cheque was deposited by mistake.
If the cheque has already been deposited and caused a payment issue, you need to contact your bank and inform them about the situation.
Explain that you have already paid the rent in cash, and provide evidence. The AECB allows individuals to challenge incorrect or outdated information on their credit reports.
If they agree that the issue was a mistake, they will correct it on your credit report.
For further assistance kindly share your Whatsapp number
Dear questioner
We need to either make the landlord request with the bank for the rectifications of the summary or need to complaint to the Legal department/ managing department of the bank.
If your landlord is not willing for the same, then we need to file a complaint in RDC for the damages caused by the landlord's action.
If you need further assistance in this matter, kindly share your Whatsapp number.
Welcome.
To address this issue, you can contact AECB (Al Etihad Credit Bureau) and explain the situation, providing them with evidence such as the receipt and proof of payment to the landlord.
If AECB cannot correct your score, you may consider pursuing legal action to recover damages, as you have sufficient evidence.
Additionally, discuss the matter with your landlord to ensure they rectify the issue with the bank.
Reach out to AECB directly through their official channels or visit their office in person.
Explain the situation clearly, providing all relevant documentation, including the receipt from your landlord. Request a review of your credit report and a correction of the erroneous information.
Contact your landlord and explain the situation, emphasizing the negative impact on your credit score.
Request a formal written acknowledgment of the cash payment and a letter confirming that the cheque was deposited in error.
If you need further clarification we will discuss more. Kindly share your WhatsApp number to proceed.
When you pay your rent in cash and then your landlord deposits the rent check, which has a negative impact on your credit report with the AECB, you can take the following steps to address the situation:
Contact your landlord:
Request clarification: Contact your landlord to explain the situation and ask them to issue an official letter confirming that they received the rent in cash before depositing the check.
Request a withdrawal of the complaint: Ask your landlord to contact your bank to cancel the deposited check and update your records to reflect the cash payment.
Contact your bank:
Provide evidence: Provide your bank with documents proving that you paid your rent in cash, such as receipts or official letters from your landlord.
Request a record correction: Ask your bank to update their records to remove any negative information resulting from the check deposit.
Contact the AECB:
File a formal complaint: You can file a complaint with the AECB to request that your credit report be corrected.
Website: AECB
Required documents: Attach supporting evidence such as cash payment receipts, your landlord’s letter, and any correspondence with your bank.
Follow up with the AECB regularly to ensure your complaint is addressed and your credit report is corrected.
Request compensation:
Negotiate with the landlord: Since the error was caused by the landlord depositing the check after receiving the cash payment, you can negotiate with them to request compensation for any damage to your credit score.
Dear J.,
Thank you for reaching out and sharing the details of your situation. I understand the distress this issue may have caused, particularly given your impeccable credit history over the past nine years.
Steps to Address the Issue
AECB Record Correction:
Start by contacting your bank to explain the situation and request a letter confirming the details of the cheque deposit. This letter should state that the cheque bounced due to advance payment being made, rather than insufficient funds.
Submit the bank’s letter, along with your payment receipt and other evidence, to the Al Etihad Credit Bureau (AECB) and request a review of the record.
Engage with Your Landlord:
Reach out to your landlord, providing proof of your advance payment, and request that they issue a written acknowledgment of their error.
This acknowledgment can further support your case with AECB and the bank.
Legal Recourse and Compensation:
If the AECB record cannot be corrected or the landlord is uncooperative, you may consider filing a complaint with the Rental Dispute Center (RDC) in Dubai.
In this complaint, you can seek compensation for the financial and reputational damage caused by the landlord’s action.
Additional Steps:
If there is evidence of intentional wrongdoing or breach of trust, filing a complaint with the Dubai Police may expedite resolution and incentivize the landlord to cooperate.
Recommendations:
To ensure the best outcome, I recommend seeking assistance from a legal expert or financial consultant who can guide you through the process of dealing with the AECB and filing any necessary complaints.
Should you need further support or clarification, please do not hesitate to reach out to us by phone or email.
Best regards,
Mohammed Salah
Dear Inquirer
We are pleased to serve you and address your inquiries.
Compensation must be filed against the property owner proving that the check was paid in cash. Therefore, after the ruling is issued, you can review the competent authority to amend your AECB.
If anything else is required, don’t hesitate to contact us via email or call our offices in Dubai or Sharjah.
Jasim Al Haddad Advocates & Legal Consultants
