Q: Will I get arrested in my home country if I did not pay a loan in the UAE? The amount is AED 250000.

Q: Dear Sir, I was working in Jebel Ali free zone Dubai and I lost my job in 2015 due to company downsizing, and I had a loan from a bank which I was not able to pay off. I tried looking for a job when I was in Dubai during my visa cancellation process but was unsuccessful. I came back to my home country after, but when I came back and I had an accident and now after recovery. I was trying to get a job in the UAE and pay back the bank outstanding but no good luck for me. And now, I got an offer from one company in my home town. I just wanted to know how to handle the above issue after few people visited my home town and said we are from recovery and they are threatening my mother saying they will bring more people to recover the payment. Kindly advise what the UAE law said regarding the above issue. I even sent to the bank regarding paying back the payment if I will get a job in hometown and get salary in Pak. Rs. But till now, no reply from the bank regarding the above request. Please, give your expert opinion.

س: لدي بضعة أسئلة. كنت قد أخذت قرضًا بنكيًا بقيمة 60000 درهم تقريبًا في عام 2010 من أحد البنوك وبعد بضعة أشهر من دفع الأقساط عدت إلى باكستان بسبب بعض المشكلات العائلية وانتهى عقد عملي. الآن يتواصل معي وكيل تحصيل ديون ويدعوني للتسوية. هذا البنك ليس له أي فرع في باكستان، ولا أريد التسوية مع أي غريب. طلبت منه عدة مرات اتخاذ إجراءات قانونية ولكن لم يفعل ذلك. الآن هو يخلق مشاكل لي في عملي وزيارة منزلي. هل له الحق في ذلك قانونًا؟ بسبب وضع كوفيد والأزمات المالية، لا يمكنني الدفع الآن.

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.

Q: Hello Legal Advice, I had a loan amount of AED 240K and after paying some installments, the amount came down to AED 170K. I got laid off from my job in the UAE due to company acquisitions, and now I am jobless in India. After discussions with my bank, they sent a settlement letter for AED 150K and I paid AED 25K as a downpayment by selling gold and borrowing money from my friends. Now I cannot pay the remaining amount because of being jobless and I am the sole breadwinner. My query is will there be any legal problem if I don't pay the remaining amount after signing the settlement letter? Will case execution be implemented in India also? Will I be arrested in India or will they do anything legally to me in India? Looking forward to your valuable response. Regards S.

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?

Q: Hello, My friend took a loan of 100,000 Dirhams from a finance company in the UAE and repaid almost half through installments. However, after losing his job, he was unable to continue payments. The finance company then deposited his guarantee cheque, which bounced. This happened three years ago. Recently, the finance company has engaged a debt recovery agency in Pakistan to recover the remaining amount. My question is: Does the debt recovery agency in Pakistan have the legal authority to force my friend to repay the debt?

يُفرض حظر السفر على الأفراد لأسباب مختلفة، كأن يتم ذلك نتيجة لارتكاب الشخص جرائم جنائية، أو عدم تسديده لديون، أو لخرقه قوانين الهجرة أو لأسباب تتعلق بالأحوال الشخصية. وقد يؤدي حظر السفر إلى بعض الآثار المالية الشاقة على الشخص المحظور. لذا يهدف هذا المقال إلى إعطاء القراء فهمًا معمقًا لعقوبة حظر السفر بالإمارات، وما يُبنى عليه من الإجراءات المتبعة لفرض الحظر أو رفعه، وكيفية التحقق من وجود حظر سفر، وغير ذلك.

This Law promulgates the Federal Penal Code (Criminal Law) of the United Arab Emirates. Crimes and chastisement punishments shall be determined in accordance with the provisions of this Law and other penal codes.

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.