س: سيدي العزيز / سيدتي العزيزة، أنا مقيم في الإمارات. علي دين لأحد البنوك وتحاول وكالة التحصيل الخاصة بهم مطاردتي. أنا غير قادر على السداد بسبب مشاكلي المالية. الآن يحاولون التشهير بي في شركتي الحالية ويكذبون على صاحب العمل في رسائل البريد الإلكتروني لإذلالي وتشويه سمعتي. فهل يجوز لهم قانونًا أن يفعلوا ذلك؟

Q: Dear Team, I am reaching out for legal assistance regarding a serious privacy violation and defamation incident caused by a debt collection agent. The agent shared my photo and personal financial details with third parties, including local leaders and members of my community in India, causing significant damage to my reputation and that of my family. They state that I am on a huge bank debt and it’s going to legal case now, which has led to humiliation and mental distress for my family and me. Key details: 1. Debt Amount: 8,000 AED 2. Evidence: Screenshots, voice notes, and phone numbers of the individuals involved in sharing my information. 3. Outcome: Loss of reputation in my home city and even within my wife’s family because there was a rumor that I am in jail I want to pursue legal action to hold the responsible parties accountable for their unlawful actions. Kindly let me know how I can proceed.

Q: I have applied for a credit card with a well-known bank here in Dubai. During the verification course from the bank, they sent my salary certificate to our company's info at an email address to which half of the staff have access. I have been told by several members of my staff, that they received this email. I am the Deputy CEO of the company and obviously, this is not a light matter. I have contacted the bank and they have offered me vouchers for AED 1000 and then 2000 but I want to press charges for a serious offence and go for punitive damage. I know the latter is not a usual practice in the UAE, but I want to explore my options. I have also informed the Central Bank, but they say I must wait 30 days before proceeding.

Q: Dear Respected Lawyers, Subject: Request for Legal Advice Regarding Unlawful Practices by a Debt Collection Agency I would greatly appreciate your advice and guidance regarding a troubling issue my colleague is facing with a collection agency. The company has been contacting the employer, urging them to ask my colleague to get in touch with them regarding a supposed liability. This claim is related to a 15-year-old closed dispute with a bank credit card, and the issue seems to stem from outdated and inaccurate information on the AECB report. Our main concerns are as follows: Unauthorized Access: The company is accessing her AECB report without her consent. She has never given permission for them to retrieve or view her personal financial information. How is it possible for a third-party agency to openly access and track AECB reports, especially for a dispute that was resolved 15 years ago?