HI I have been trying to get hold of someone at ADIB to change our profit rate of 5.99% for nearly 3 years without any luck. Their head of customer service is unresponsive and I don't know who to turn to as cannot afford the high repayments. I have emailed and called numerous times but seem to hit a dead end each time. With UK banks the process is simple as the customer service will offer options for rate changing but with ADIB I'm just hitting a dead end. I would not recommend anyone take a mortgage with this bank in UAE, you are better off going to an international bank that can offer a basic level of customer service and responsiveness as well as options for rate changing.