Questions & Answers
Questions & Answers
9 available 9 • View allCan I work in other GCC countries if I have unpaid bank debts in the UAE?
Q: Greeting!
My name is Fazil Hussain,
I was working in the UAE for past 5 years, I have a personal loan of 80,000 from ADCB Bank in Dubai. I never missed a single EMI to the bank and had good records. But I lost my job, so had to come back to India.
I wanted to go back to Dubai and search for a job but the bank said they have blocked my visa and I cannot get a job there. I replied to the bank by email that if they block my visa then how can I find a job in Dubai and how should I pay my outstanding balance on the personal loan. I can pay my loan only if I get a job in the UAE...
Please help me with your advice, I can pay the outstanding only if I work in GCC. I can't afford to pay from India. I want to pay my outstanding and clear it.
Can the bank give me NOC to work in Dubai and pay their loan? And I want to know, is it possible if I go to Saudi Arabia and do a job and pay my installments to the bank in the UAE?
Nov 17, 2017
58770
Bank claim of the credit card annual charges after leaving the UAE
Q: I left the UAE in October 2015 and forgot to cancel my credit card.
In April 2016, using my login I wrote to the bank to close the card since I had no outstanding amounts at the time of leaving the UAE or requesting the closure, .
ADIB didn't cancel the card and levied the annual charge in November 2016. In Sep 2017 I received an email from trust DC stating that they are the legal advisor of ADIB and I owe ADIB AED 1003.
At the time of renewal, I didn't have a valid visa and Emirates ID.
Now, ADIB is putting the onus on me and asking me to pay. They are not responding to emails and I cant call them as I am in India.
Please advise regarding the forward path.
Sep 19, 2017
1454
Pressure tactics by the collection agent of a bank
Q: Hi Sir,
I have a concern regarding the issue with a collection agent for RAK Bank.
I didn't pay my credit card debts for several months due to some family financial matter.
Now, I am in trouble and put in a warning by the management for termination, because of the collection agent who keeps on sending emails to the company's email addresses on our website.
He is harassing me also and affecting my emotions, mental health and credibility in the company.
I have informed him that I can provide a payment by next month, but he keeps on insisting to pay on 28 and sending to the company's email address.
What should I do?
Oct 8, 2017
6632
Debt collection by outside agencies
Q: I am in Africa, and I left Dubai before settling my loan. I am being contacted by an independent debt collector.
I am outside the UAE, what are my options if I ignore the debt collector?
How can I get a clearance certificate from the bank & police?
Oct 24, 2017
11613
Loan repayment to avoid legal action in home country
Q: My friend left the UAE for family emergency reasons and had a loan debt remaining to the bank.
He continued to pay the instalments for the next 3-4 months but could no longer because he did not have full-time employment. He kept in contact with the bank and let them know his situation.
He only has part-time work while looking for full time and offered to make small payments to show good faith until he is able to secure full-time work.
Now the loan is with a collection agency which is requesting a large sum or they will pursue legal action in the US against him.
He wants to pay but due to his situation, he is unable to at this moment. They refused his smaller amount of payment offer.
He does not plan on travelling back to Abu Dhabi. The question is, he is trying to pay but they will not accept that amount.
Why will they not take the amount offered since he is communicating and wants to pay? What can they do to him in the US?
How will that help them get their money back?
Feb 28, 2019
1197
Settlement for a bank loan with the collection agency
Q: Hi Lawyers,
I have outstanding dues on my personal loan and the bank filed a case on that. I am trying to get a settlement through the debt collection agency.
They asked me to sign a financial letter for that, along with it, they need all my documents. Is this mandatory?
Is there any issue in signing the financial letter?
Is there any issue if I could not make the payment on the mentioned date?
Please advise.
Mar 11, 2020
755
Expected legal action in case of defaulting on a bank loan
Q: Hi
I have a personal loan around AED 230000 in the UAE. I'm outside of the country.
I have not taken the last 2 months salary of April and May and I can not pay the instalments.
Now the bank started to ask for the payment.
What will be the next step?
Will they raise criminal case outside the UAE?
Can I reschedule instalments?
Please advise.
M.
Jun 14, 2020
577
Implication on bank loans if terminated from job due to redundancy
Q: Hi,
Does taking out a personal loan from a Dubai bank have any implications on my visa cancellation and exiting the country in case of job redundancy if there is no loan default?
Oct 31, 2019
589
What to do with the bank if they accept to settle only with the entire loan?
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.
Apr 22, 2022
324
Legal blog
2 available 2 • View allThe Consequences of Job Loss and Defaulting on Financial Liabilities
The management of individual financial affairs is crucial and all the actions must be weighed down while committing to any financial liability. Whether it's job loss that may have lead to financial failure or the opposite, one must be aware of the personal liability which will not diminish by paying fines for cheque bounce cases. There are two major types of liabilities, criminal liability and civil liability. Each has its own significance, hence, must be dealt with accordingly.
Feb 12, 2019
18898
Declaring the UAE as a Reciprocating Territory of India
As the bilateral relations between India and the United Arab Emirates have witnessed a rapid growth in the recent past, and to further augment their strategic partnership, the Central Government of India has on January 17, 2020, declared the UAE to be a reciprocating territory for the purposes of Section 44A of the Code of Civil Procedure, 1908 (CPC).
Feb 20, 2020
1659
Premium
Other answers by
342 342 answers •
View allHow can I vacate my tenant if the rental agreement ends before the eviction notice deadline?
My Dubai tenant's rental agreement is ending by the end of September 2024 and the completion of 12 months of legally served Eviction Notice is the end of December 2024.
I have two questions:
(a) Can I send a rent increase notice 3 months before as the rent has increased as per the RERA rent calculator?
(b) The second question is, do I have to renew the rental agreement for 3 months (until December 2024) or not?
Thank you.
May 1, 2024
270
How can I reach a settlement with the bank for a mortgage of a jointly owned property?
I have a jointly owned property in Abu Dhabi. The mortgage was defaulted on as I had to leave the property with my children following an assault by my ex-husband. He left the country in 2018 and never paid the mortgage.
As I was in the country, the bank filed a criminal case against me, and I was sentenced to 3 years. I won the appeal against the bank and then filed another criminal case a few months later in Dubai. Again, I won and paid a fine.
In 2019, the bank started a civil case against me and my ex-husband to have the property repossessed. However, at the time of the purchase of the property, there were no Title Deeds, the bank requires this.
I cannot give them the Title Deeds to sell the property and pay back the amount owed to them as my ex-husband refuses to provide a POA. The bank has filed another criminal case against me only for our jointly owned property.
I wish to resolve this and pay off the bank and receive any money left from the sale. How can I resolve this issue of the Title Deeds?
Oct 4, 2022
290
The procedures for filing for divorce on mutual consent
Dear sir/madam,
I am separated from my wife due to compatibility reasons. We got married in the Indian consulate in Dubai on December, 23rd.
We would like to file a divorce on mutual consent as soon as possible. May I get some advice here on the procedures?
Sep 13, 2022
682
My previous employer failed to pay my gratuity. Can I file a case 6 months after resignation?
My previous employer failed to pay my gratuity six months past now since I resigned, Is it possible to file a case against him after a 6 months period?
May 31, 2022
1281
Can a real estate agency hold a percentage of a property sale until transfer is done?
A real estate agency has signed an MOU stating that a 10% security deposit from the buyer and the seller will be kept in the real estate agency and will be released upon transferring the property.
The transfer of the property was blocked due to the court order.
According to my colleagues, the real estate agency is not a trustee and they are not allowed to have taken my security check in the first place, is this correct?
Jun 28, 2021
1273
Get quotes from lawyers
Find the right lawyer for your legal needs.
Submit your request and get multiple
competitive offers from
qualified lawyers.
Popular Q&A
View all Looking for something else?
Ask for advice from a lawyer