Q: It's a query regarding the fraudulent transactions on my credit card last March 31, 2017. I was having my annual leave in Manila, Philippines (March 10, 2017- March 30, 2017) and Japan (March 30, 2017- April 9, 2017), which I have all the boarding passes and copies of passport pages as a proof. The last time I used my credit card was in NAIA airport, the Philippines, to pay my travel tax for travelling to Japan and this proves that my credit card is in my possession while I was in Japan. But then on March 31, 2017, I received an SMS from Emirates NBD bank that my card has been used for Aramex (AED 174.01), Souq.com (AED 5,581.00) and Sharaf DG (AED 3,717.00) transactions for the total amount of AED 9472.01. I immediately called the bank and asked them to block my credit card on that same day. As soon as I was back in Dubai (April 9, 2017), I called the bank and filed a complaint. I also filed a police case which I also sent to the bank but still, they didn't honour everything and threatening me every time.

Q: I gave my credit card to the waiter to pay the bill in the restaurant, after that I also added some tips by hand to the same receipt. When I left the restaurant, I received a message from the bank that I have been billed for triple of the amount of the initial bill. What should I do? Should I go back to my bank and ask them to investigate, or should I contact the management of this restaurant?

Q: Hi, I own a business in Abu Dhabi (a sole establishment) where I am the 100% shareholder as per trade license. The name of the Local Service Agent also appears on the Trade License as a Sponsor. The Local Service Agent is not an Owner, Partner or Manager. While opening a business account, the bank asked me for the passport copy and Emirates ID of the Local Service Agent, is that mandatory? As the Local Service Agent is not an owner nor a partner or a manager, why the bank cannot open a business account with just my personal details? A notarized Local Service Agent agreement was provided to the bank but they still insist on getting his passport and Emirates ID copies.

Q: Good Day. I'm Johny Vivek Micheal. I was working in the UAE from September 2014, and unfortunately, I have been terminated by the company and I have dues for the RAK bank. Regarding those payments, I'm paying my monthly dues even though I was threatened by an agency from India that I have to pay my full amount or else they will go for a legal action. What should I do?

Q: I already closed my credit card from Dubai First 2 months ago. Now, they cannot issue me a clearance letter because they said I have an open police case according to the person I talked to on their hotline. Why do I have an open police case if my account is already paid and closed 2 months ago?

Q: I have been to Dubai for 9 years and left with 2 credit cards unpaid in 2012. In 2014 and 2015, a collection agency traced me to pay my credit card and the year after another person from the same company traced me again for my second card. Both cards were paid with negotiations with the bank to a minimum paid. Now one of my friends is saying there is a case on me from a bank. I have paid everything and I even have all my transactions online. How can I know if I really have a case or my friend is bluffing me? If you will need more details about it to trace if there's any case against me, what will be the fees as well?

Q: I left Dubai in 2009 after being made redundant and unfortunately had outstanding liabilities (credit card) for around AED 218,000. After being unable to successfully find a new job, I had to return to the UK (home country). I want to find out the current status of any travel ban or a police case against my name. Likewise, I want to reach an amicable arrangement to carry on repaying these obligations. Unfortunately, my old passport and residency visa from my time in Dubai was lost in 2012. I likewise, retain no credit card information from my accounts at the banks. Please, can anyone advise on the correct steps forward? Thank you kindly.

Q: Hi, Firstly, thank you for this service. Let me briefly describe my situation. Been in Dubai for a long time. Lost my job recently and frantically applying for a new one. Currently on garden leave until June, so only 2 more salary payments are pending. I have a loan for AED 950k and an outstanding mortgage of 900k (the value of the property is 2m AED. Afraid that after June I will not keep up with payments on the loan for sure which are 33k per month. Willing to settle since I have access to some funds but the bank only wants to settle on the full amount with all 5-year interest payments added. I have access through the family of approx. AED 500k to use for settlement. The loan was for 5 years and paid without any defaults for 26 months. I have no savings at this time but in the coming June, I will most likely default. Any advice would be appreciated. God bless.