We may contact you if your loan, credit card or finance payment is overdue. Our goal is to understand your situation, provide support, and help you regularize your payments in accordance in the best way possible subject to eligibility and necessary approvals.

Please review your account and get in touch with us as soon as possible. Early communication helps us offer suitable solutions, such as payment arrangements or restructuring options if eligible & subject to necessary approvals.

Yes. You have the right to request:

• A breakdown of the overdue amount

• Your repayment history

• Copies of your agreements

We'll share this information upon request.

If you're experiencing hardship, please let us know, as may offer solutions such as:

• Settlement plan (subject to eligibility and necessary approval)

• Temporary relief measures such as deferment (subject to eligibility and necessary approval)

• Debt restructuring (subject to eligibility)

If we can't reach you or payments continue to be missed, your account may be escalated. Consequences may include:

• Additional fees

• Impact to your credit report

• Suspension of services or cards

• Legal action as a last resort

Get in touch with us early to avoid any of these escalations.

You may pay using:

• WIO Banking application

• WIO Mobile banking

• FAB - CDM machines (deposit in your bank account)

Our team can guide you through the available options.

Yes. If you believe a mistake has occurred, you may raise a dispute. Collection activity will pause while we review and resolve your concern.

Consider:

• Setting up automatic payments

• Tracking due dates on our mobile banking app

• Reviewing monthly statements

• Contacting us early if you anticipate payment difficulty

Our team is here to help you stay on track.

Keep these in mind:

• Paying in time

• Paying at least the minimum overdue in time

• Increasing the repayment amounts

This is as follows:

Agency: Derby Debt Collection

Phone: +97165199081

Email: nilesh@derbydebtcollection.com or aref@derbydebtcollection.com

If you have any questions regarding your liability, you can contact Derby or reach us at financialwellness@wio.io or call us at +971600500946.

Any information available herein is for the customer’s guidance and advisory purposes only and shall not be read, interpreted or construed as legal advice. The information provided herein is without prejudice to Wio Bank’s (Wio) rights under the applicable laws and Wio standard terms and conditions. Wio products and services are subject to applicable policies, and standard terms and conditions.