Returning to the UAE while the settlement offer is rejected by the bank

Hello,

I was living in Abu Dhabi for 5 years and I was made redundant by my company in the Covid-19 crisis in May 2019. I had no choice but to leave the country as I was not able to find another job during the period of 1 month that my residence visa was still valid.

I had a loan with an outstanding amount of around 300.000 AED that I could not repay. I was contacted by many debt collectors to repay, and I showed good intention and offered to pay small amounts on monthly basis from my country of residence as the salary averages were much lower than those in the UAE.

My offers however were rejected. Assuming that I would like to travel back to the UAE and find a job, what should I expect after the legal changes that occurred at the beginning of 2022? am I to serve any jail time, or will there be any fine of any kind?

And how long is the period for such cases to be written off if that is a possibility?

Thank you for your time!