Q: I have a personal loan with a bank amounting to approx. 180000 (Principal) post deduction from my end of service benefits. I was terminated from work on 10 Sept 2018. Right now I am in India. My first EMI got bounced on Feb 2019. Please help me know what is the maximum punishment by the court in such a case. As of now, I am jobless. If I come to Dubai to search for work, will there be a travel ban to exit from the UAE? How can I extend my stay in Dubai as I will enter the UAE on a  visit visa? Can a settlement be through the insurance company as I was terminated by the company? As of now, there's almost no chance to get any work in the UAE. Hence I am bankrupt. What I can do in such a case? Will I be able to work in the UAE and get a work visa if a case is registered?

Q: Dear Nikhat, I have a personal loan with a bank in Dubai. Last October 2016 I lost my job and the company sent me back to my country. Now I have a job offer and visa. Will I be arrested if I arrive in the UAE? Due to the job lost only I didn't pay the amount. If possible I can speak to the bank and I can pay the amount monthly. Please advise me. Thanks / Regards

Q: I've taken a loan of AED 65000 in 2005 and left Dubai in the same year after the job was lost. When I approached the bank, they insisted for one-time payment which I could not afford from India. Now, I got an offer from Oman. Can I travel to Oman with this outstanding loan in Dubai? Will I be caught in Oman? I want to find out if I am blacklisted or a police case pending against me. Kindly suggest.

Q: I have a police complaint filed against me. I'm out of the country. Somebody contracted me to process Europe Citizenship for him and his family. However, I left the country during the process and couldn't return due to circumstances beyond my control. Now, I want to come back to Dubai to continue my business. I have tried everything possible to sort the issue out with the complainant but he is refusing to accept negotiations with me. Now, I want to come back to Dubai with his amount of AED 30.000 in hands. As I will be arrested at the airport, will I be discharged immediately if I pay the money to the police or I will serve a jail term? The case has not been transferred yet to the public prosecution.

Q: Good day, If you have an unpaid loan then went to Dubai and got arrested on the airport, what will happen next? If you have a job offer, how long will you be arrested? Please, can someone mention all the details? What will happen since you arrive at the airport until you leave if possible and how much will it cost to pay and continue your life in the UAE?

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.

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.