س: السلام عليكم تم إنهاء عقد عملي وإلغاء إقامتي في الإمارات ويوجد علي مبالغ على البطاقة الائتمانية أعجز عن سدادها حالياً لأسباب خارجة عن إرادتي، وقد أبلغت البنك بذلك. هل يستطيع البنك اتخاذ أي إجراء ضدي علماً بأنني كنت أعمل لدى جهة حكومية وعند إنهاء عقدي لم يصرف لي أي مستحقات لأني لم أكمل سنة. مع الشكر

Q: Salaam Alaikum The bank bounced a cheque of AED 103,000 for my business partner and filed a criminal case. My partner has already paid "more" than the cheque amount of AED 106,585. We have full proof. Only AED 53,000 was outstanding - this is mostly interest, legal charges, late charges and fines. The rest is all paid properly. Unfortunately, this year his business had a lot of losses. As he was unable to pay the full amount, as per new Dubai laws and Police, he paid 10,000 AED fine and got the criminal case removed by the public prosecutor a few days ago. Now, the bank told him they will file a civil case. What happens now? How many weeks will it take to get a court hearing and what's his recourse?

Q: I have a Najm credit card, I used to do a minimum payment every month. I am working for a company for the past 2 years. I am not getting salary on time I used to get salary after every 2 or 3 months. I did them a minimum payment but late by arranging for one or another. I came to know that there is a final settlement for the credit card where you can pay a fixed amount every month. I requested them for the past 6 months but they didn't help me. Also, I came to know that they have put my salary of 11500 but I am getting a salary of 5000/-. Every month they are torturing me, for that can you help me with this. They also say they will deposit my security cheque and file a police complaint. This time when I went to meet one of the people for Najm card, I told him about my situation but they are not ready to listen. He gave me two options, either to pay 18500/- in one stroke or 20500/- in 2 instalments