أسئلة وأجوبة
أسئلة وأجوبة
5 متاح 5 • عرض الجميعIs it possible to negotiate with the bank to consolidate my loan and credit cards?

0
Q: Hello,
Is it possible to negotiate with the bank to consolidate my loan and credit cards balance when I'm outside the UAE?
I have already resigned and relocated to another country. I've left a remaining loan balance of AED 170k + 2 credit cards balance (10K + 34K). My gratuity (33k) is being held by the bank and I missed this month's loan payment.
I don't want to incur more interest by paying only the minimum on the 2 cards and wanted to negotiate with the bank to consolidate all debts into a single monthly payment. Right now I can only guarantee a 5K monthly payment.
Please advise


2023/04/28
109
Can I transit GCC countries if I left the UAE with unpaid loans?
0
Q: Hi,
Due to losing my job and the financial crisis, I left the UAE after 2016 and was having an unpaid credit card and loan.
I tried to negotiate with bank to waiver the interest. I strongly believe that the bank might have filed a case.
Now I'm travelling to the UK for a new job to clear my debts. Can I transit through any GCC country other than UAE?

2023/03/26
286
I left the UAE with a pending credit card. How to check possible cases or travel ban?

0
Q: Hello Sir.
I used to work in the UAE for around more than 20 years until 2010, since I lost my job I left Dubai in the same year.
I had a credit card from a bank and when I left, there was a very small amount that I had to pay to the bank.
I still continued to pay whatever I could even after coming back to my country, I was unemployed though. After a few months, the bank stopped communicating with me.
I also came to know the particular bank I dealt with had been sold to another company.
Since I would like to visit Dubai, I like to know if there is any ban on me to enter the country. How can I know?
Thank you.


2023/03/23
186
Can I negotiate with the bank to pay debts without interest fees?



2
Q: I'd like to inquire about the possibility of negotiating with banks in the UAE to pay debts without interest fees.
According to new laws, do they file an Interpol case, given that the debtor is outside the UAE?
Thanks.




2023/11/09
152
I could not pay two credit cards in the UAE . Can the bank proceed with legal action in my country?


0
Q: I have two credit cards in the UAE with the amount of 30,000 and 15,000 but due to a bad financial situation, I am unable to pay them back.
Then I decided to move back to Pakistan to avoid legal action. I still haven't found any solution to pay them back because of my bad financial situation.
The question is whether I am safe in Pakistan or if the bank can proceed with any legal action in my country.
What do I have to do now because I am unable to pay them back?



2025/01/07
172
المدونة القانونية
1 متاح 1 • عرض الجميعالعواقب المترتبة على فقدان العمل والتخلف عن الالتزامات المالية 26
إن إدارة الشؤون المالية للفرد أمر بالغ الأهمية، ويجب الأخذ في الاعتبار جميع الأحداث أثناء التقيد بالتزام مالي. سواء كان فقدان الوظيفة هو الذي أدى إلى الإخفاق المالي أو العكس، فيجب أن يكون المرء على دراية بالمسؤولية الشخصية التي لن تتلاشى من خلال دفع الغرامات في قضايا الشيكات المرتجعة. هناك نوعان رئيسيان من المسؤوليات، وهما المسؤولية الجنائية والمسؤولية المدنية. لكل منها أهميته الخاصة، وبالتالي، يجب التعامل مع كلا النوعين تبعًا لذلك.
2019/02/12
18895
قوانين وتشريعات
1 متاح 1 • عرض الجميعFederal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates 96
The provisions of this law, promulgating UAE Civil Code, govern the civil transactions in the United Arab Emirates. The commercial transactions remain subject to the laws and regulations applicable in their regard.
1985/12/15
148375

متميز
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During the notice period, is an employee allowed to take sick leave? 0
Hello,
During the notice period, is an employee allowed to take sick leave? If not, can the employer deduct the sick leave from the employee’s end-of-service benefits?
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2025/04/04
139
Can I request reopening a civil case if the judgment was in my absence due to sending notices to the wrong address? 0
Lawyers misunderstood my question. Please read carefully and then guide me.
Case Type: Civil Case
Claim amount: 400,000
Paid: 65,000
Reason: Commercial agreement of supply
Emirate: Ajman
This case was registered in 2022. The judgment was in my absence, as notices were sent to the wrong address.
I was sent to jail. I made a down payment, bailed, and paid some more amount as installments. The total paid amount is AED 65000.
Now, again, an arrest warrant is issued as I did not pay the remaining 335,000 of the claim.
According to me, I had to pay only this amount because the executioner made a wrong claim, not as per the genuine claim.
So I want to reopen the case file.
I want the court to reinvestigate and start the case from scratch.
1) How can I make that request?
2) What documents are required?
3) Chances of reopening of case?
4) Cancellation of arrest warrant
Please guide me in detail, as I will do everything myself, as I cannot afford a lawyer right now.
2025/04/04
73
I booked a hotel stay for Eid through a travel agency and it was canceled two days before Eid. What to do? 0
I booked a hotel stay for Eid through a travel agency two weeks before Eid. The travel agency confirmed the booking on payment.
One day before Eid, the agency reached out, saying they had an issue with the supplier/hotel and the booking would be cancelled.
They offered alternative hotels that didn’t match the original property. I suggested some properties, and they couldn’t arrange them, or they asked for further payment, so I didn’t book anything through them.
What are my rights to a refund and compensation, as I had to book other arrangements separately at a significantly higher cost due to the last-minute prices?
It also caused significant emotional distress, less than 24 hours before the holiday. To which authority can a complaint be made in case of an unsatisfactory outcome?
Both the agency and the hotel are in Dubai.
2025/04/04
67
How can I renew my Ejari if the landlord hasn’t signed the new contract? 0
Hi,
I have been here for 3 years now and paid the increased amount (as per the agreement) for the 4th year.
However, the landlord did not send me back the signed contract, although I have both made the payment for the full year via bank transfer and sent my signed contract to him.
I need to renew my Ejari; however, how can I do it without the landlord's signature?
I have all the previous contracts signed by both parties, along with the Ejari for those contracts.
2025/04/14
15
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