Q: Dear Sir, I have one credit card in a UAE bank from 2015. I was paying the minimum instalment every month but for 5 months, my salary is delayed and I wasn't able to pay more. The total outstanding is AED 60000. Please let me know what action can the bank take and give me some soloutions. Thanks.

Q: Hi, I need advice. I have got credit card overdue and the interest has piled up almost double than my limit. This happened due to the late salary payment since Dec 2018. My credit card limit is only 25000 and I need to pay back almost 35000. I will not be able to survive with these liabilities with my salary. Could you please advise me on surrendering myself to the police or court will help?

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

Q: Hello Adv. Anitha, I would like to know what will happen if the credit card security cheque bounces? Will there be arrest & jail terms? The credit card outstanding is AED 22,000.

Q: I have around AED 66,000 total credit card amount pending with 5 banks. I have missed 2 payments now. What are the consequences I should foresee in this situation? What are the solutions?

Q: Hi, I have a credit card loan and credit card debt with an amount of AED 26000. Unfortunately, I'm not in a situation to fulfil the payment for the last 3 months. How can I deal with this legally? If I avoid paying the debs, what will be the consequences? The bank is not being flexible on this. Z.

Q: I am leaving the country within the month due to being laid off from work. I was late in paying my latest loan instalment by only one day, which resulted in the bank calling to ask why last month's salary was not credited. I told them that I was still employed with the company and that this month's salary will be credited without any issue. I told them that I paid the last loan instalment anyway. This explanation seems to have satisfied the bank representative, however, I'm still concerned. I am currently updated on my loan payment, with no other debt except for this loan. I plan to continue my payments once I'm back home as I am starting a business. I cannot pay my loan if I get stuck here in the UAE. Is travel ban a possibility when I leave the country in the coming weeks?

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.

This Law applies to merchants, as well as to all acts of commerce carried out in the UAE by any person even though he be not a trader. Commercial matters regarding which specific Federal laws are issued shall be subject to the provisions of such laws, and to the provisions hereof which do not contradict with said laws.

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.

The provisions of this Decree by Law amend the Federal Law No. (18) of 1993 by replacing Clause (4) of Article (379) as well as Articles (600), (617), (641), (642), (643), (644), and adding new articles numbered (635) Bis, (641) Bis (1), (641) Bis (2), (641) Bis (3), (641) Bis (4), (643) Bis (1), (643) Bis (2), (644) Bis (1) and (644) Bis (2). The Decree-Law also repeals Articles (401), (402) and (403) of the Federal Law No. (3) of 1987.