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We have experienced a similar issue with Amlak. Our house was delivered 4 years late, it had changes to the original plans and extremely poor finishes. We appealed to Amlak to help us negotiate with the developer and/or use principals of Islamic finance and let us walk away from the deal. They did nothing and threatened us with cashing guarantied cheques. In the end we took possession of the house which was worth 1 million AED less than what we brought it for. On top of that we found out that Amlak had made early payments to the developer and made no attempt to recover anything from him. They just passed on to us an additional AED 400,000 in accumulated "profit". We still had to spend an additional AED 200,000 to fix it so we can live in it. Amlak is still enjoying to date a 7% profit rate on our debt. 55% of our household income goes straight to Amlak with very little going to pay back principle. 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