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
155
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
308
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
229
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
175
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
259
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
18988
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
148629

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عرض الجميعWhat to do if our landlord keeps ignoring maintenance requests despite a clear contract? 0
Dear All,
We have a question related to private rental law in Dubai. We have been living in the same house (rented) for the last four years.
During those years, we have had to battle our landlord for maintenance at large. Our contract states that ALL maintenance is on his account (no deductible).
We have a lot of small maintenance issues, such as kitchen cabinets that are coming loose, a sewage smell in the house, and a toilet upstairs that still doesn't work after four years (despite attempted maintenance).
How can we deal with him and get him to honor the contract and resolve all of our issues so we can use the house properly? What legal steps can we take?
We have informed him plenty of times over the four years about the problems, but he seems to "ghost" us and does not reply very often.
We have issued him a warning to get things fixed by the end of this month (via WhatsApp), but he doesn't seem to mind.
Hope you can help with advice and maybe RERA down the line.
2025/05/22
15
Can a friend be held liable for sharing my private medical information without my consent? 0
Hello,
I have found out that a friend divulged sensitive and private medical information to others without my consent.
Is this against the law?
2025/05/22
12
After evicting a tenant for renovation, can the landlord rent the property to another tenant? 0
Hello,
If the tenant is evicted due to renovation, once the renovation is done, can the landlord rent the property to a new tenant, or does the landlord have to wait for 2 years?
2025/05/22
15
Can I travel outside the UAE if I have a complaint for breach of trust by embezzlement? 0
Hello,
I have a complaint registered against me. The crime description is "breach of trust by embezzlement."
Can I travel outside the UAE? I don't have any travel ban against me.
2025/05/22
13
After evicting the tenant for personal use and gifting the property to my son, can he rent it out? 0
Hello,
I had evicted the tenant by giving 1-year notice with the reason being for personal use.
After 1 year, the tenant vacated the apartment. I gifted this property to my son, who is 18 years old.
Can my son rent out this property?
2025/05/21
13
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