I am surprised when I receive a notification today, That my debit card was again debited for dds rtn. Last week my emi for the month was already deducted. So I do not understand why there is additional deduction of 25 aed!? This deem is being abusing the people who are in-debt of them. Making 2x interest for loan and additional charges in credit cards and now this over charging fees? I don't understand why still they are being regulated and being allowed by the uae central bank to work. I am sure that seeing all the reviews here there are enough proofs to close them, but I guess this world is being run by injustices. I honestly dont recommend taking loan from deem because once you sign with them your life will be in hell. Better ask help from the bank they are more professional. We'll help them get less customers so that they will understand how improper their business is. Their goal is to milk people who are already in worst situation rather than help.