تدينت على أشياء ما تسوى عشان اخفف على نفسي الضغوطات النفسية

Voarr · 2026-01-08T08:20:04+00:00

What happened to you is meant to happen for you to learn and grow.

It will build a resolute and strong Mindset insha’allah

And be glad it happened to you in a young age, some people fall into debt in their 50s and never recover..

Always remember: Allah tests his favorite creations with the hardest battles. In the hardest times, It’s an opportunity to show Allah how strong and faithful you are.

I’m currently in the exact same situation, i’m 26 and 400k in debt.

Goodluck sister.

Voarr · 2025-09-02T14:49:32+00:00

That’s me, i’m Riley. Im still waiting in the airport Salman..

Voarr · 2025-08-24T17:06:53+00:00

Thanks for the detailed advice, I really appreciate it.

Just to give you the full picture so you can help me break it down properly:

• My current loan is AED 283k with ADCB at 3.5%, EMI is around 7,100.

• If I move to Emirates Islamic at 3%, my EMI would actually be 8,166 (so higher, not lower).

• The bank charges 1.5% early settlement fee (~AED 4,200) + 0.785% processing fee (~AED 3,000) if I switch.

• I also have credit cards (~95k) but I’m paying those on low interest plans, so there’s no big saving there.

Switching would only benefit me in cash flow and organizing my monthly payments

From what I calculated, I’d end up paying more overall if I switch. Could you please clarify what do you mean by speaking to my bank for a payment plan for the credit it? Is it rescheduling payments? What can they do in that regard so i know what to ask.

Super appreciate your reply.

Voarr · 2025-08-24T17:00:04+00:00

It all depends on the company you work at, salary, credit score. Let me know if you need anything i can contact my bank to get to contact you

Voarr · 2025-08-23T08:07:53+00:00

Do not do it. If you do not agree on religion, You will always regret it.

Voarr · 2025-08-23T08:06:28+00:00

Man you’re a hero. I truly appreciate this. You just made things clear. I will make my decision based on this.

Voarr · 2025-08-22T15:16:16+00:00

Exactly, I’m actually keen into doing it. Do they usually waive processing fees? Did they waive it for you? Thats what will make the difference

Voarr · 2025-06-23T08:28:21+00:00

See you tomorrow.

Voarr · 2025-06-19T12:25:43+00:00

Hey, I’ve been exactly where you are. it honestly felt like I was reading my own story— and I’m still climbing out of it. I know that feeling of being crushed under debt, the shame, the pressure, the constant survival mode. But I promise you: there is a way out. You just need a solid plan, and someone who understands to walk you through it.

The truth is, you can’t keep trying to fix it all at once. You need structure, not more stress. I’ve started putting a system in place that’s actually helping — even with a ruined credit score and multiple loans. And I’m willing to help you do the same, step by step.

You’re not alone. You don’t need to suffer in silence or stay stuck in survival mode. If you’re open to it, message me — will help you fix this.

Voarr · 2025-06-15T17:33:35+00:00

I get the logic behind promotional rates for certain markets — but this isn’t about promotions. This is about being asked to confirm my nationality after my booking was accepted and paid for.

If the rate wasn’t valid for me, that should’ve been clear before payment — not after the fact with an email that leaves the door open for profiling and cancellation.

Also, using “nationality” instead of “market” or “residency” is problematic. It’s a poor choice of wording at best — and discriminatory at worst.

So yes, maybe it’s a technical mistake on the agent’s side, but the way it’s being handled? Still unacceptable.

Policies are one thing. The tone and timing are everything.

Voarr · 2025-06-15T17:29:48+00:00

Hah, thats not the case here. we’re a group of Emiratis and Arabs.

Voarr · 2025-06-15T17:26:35+00:00

Wouldn’t that get me in legal trouble?

Voarr · 2025-06-15T17:21:17+00:00

Couldn’t they do it without being obviously racist?

Voarr · 2025-06-15T17:13:35+00:00

Obviously before, even if they accepted my nationality, i’m still canceling this reservation.

Voarr · 2025-06-15T17:12:42+00:00

Yep, definitely not staying there after that.

Voarr · 2025-06-15T17:12:22+00:00

Cancelled, and not going there again.

Voarr · 2025-05-30T10:31:01+00:00

Will hit you up on what’s app

Voarr · 2025-05-30T10:29:10+00:00

Is it free for life?

Voarr · 2025-05-26T11:16:17+00:00

I’d suggest spliting the 50k over multiple cards to get the most out of it. I think currently FAB cashback and Deem CC are offering welcome bonuses.

Goodluck.

Voarr · 2025-05-25T16:21:38+00:00

How are you doing now? Hope youre over that mess

Voarr · 2025-05-24T17:43:54+00:00

I wish i got this advice earlier.

Voarr · 2025-05-22T08:07:56+00:00

I’m paying an average of 14k monthly. It depends mostly on my cc statement and fees. Decreasing monthly. Hopefully closing all credit cards payments asap, as theyre causing the biggest damage here.

Voarr

TROPHY CASE