Q: I have a loan with UAE bank: 1 credit card outstanding value is 22,000 AED & one personal loan around 85,000 AED. I lost my job on Jun 2016. From there I unable to pay my EMI (6 months). Bank is not agreeing for settlement plan as per my request. Now they are saying they are going to file a case.Now my doubt, if I get a job in GCC other than UAE, will police catch me in the airport in any GCC? OR arrest is possible only if they file a case in that particular country?Please, advise.

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?

Q: Hi. I am seeking advice about outstanding credit card payments with various banks in the UAE, although I have done a lot of minimum payments to these cards.  Now, I have come back to my home country and the outstanding amounts have been increasing. I suppose there are a case and travel ban against me. Please advise on what I should do?

Q: Ms. Nikhat, I'm in India. Please advise on an ongoing issue with me for the last 2 years and for no reason, or you can say suffering without fault. I have issued cheques in a settlement for my cousin regarding his civil case. It was a claim of 2.2 Million with dividing the amount into 12 cheques of 20k each, and rest of the amount of AED 1.7 Million approximately in 13 months. Where it was clearly written in the agreement that as soon my cousin got his chequebook from the bank, all my cheques get replaced with the new one. As it took 2 months to get the new chequebook because of cousin's visa expiry, the other lawyer refused to replace my cheques and said if you want to replace they will keep my cheques as a guarantee. So we could not replace them with new cheques. He put my cheque into the bank and I left the country in August 2016. I'm still out and only my cousin is there in the UAE arranging the fund without any success. I lost my 12 years of Dubai experience and doing nothing. I don't know if I will face any issue in immigration for Qatar.

Q: I am a UK passport holder. Can you assist me? I worked in the UAE, Abu Dhabi. Two years ago, I lost my job and returned to the UK but I was unable to keep up payments on my loan and credit cards after my end of service money run out. The banks started hounding me when I could not keep up payments and threatened to raise a civil case and a GCC travel ban. I do not know if they went through with this or not and what the consequences would be if there are a travel ban and a civil case raised in the UAE or GCC countries. I now have the chance of a job in Qatar and a chance to make some money again to try and pay off my debt in the UAE. Can I enter Qatar? Would I be arrested? Am I at risk and should not take the job? What are my options? I can not start to pay back any UAE money until I get a job and start earning again. Please advise! Thanks!

Q: Hello, I have a problem. I have a loan and a credit card unpaid because I was deported for another reason. Can I work in other GCC countries even if I have a problem with my loan and my credit card? After paying them, if I find a job, am I safe to go to any GCC country?

Q: Hi Dear Lawyer, I am having a personal loan in the UAE in the amount of 73000 Dirhams. Immigration deported me without telling me any reason so of course, I lost my job. Now I am in my home country & I want to apply to other GCC countries. My question is that if I go to any other GCC country, what consequences do I have to face?

Q: I have an unsettled credit card in the UAE, and due to the pandemic, I have been unemployed for a long period of time. My unsettled amount was still counting and ballooned because of the interest. It is approximately 20k plus now. My question is, am I banned from traveling or will I be stopped in other countries because of this debt?

Q: Hello Mr. Mohammad, Hope you are well. I owe a debt in the UAE but I have to visit Saudi Arabia and Bahrain for work. I have read somewhere that it is possible to remove the cases, without repaying the debt (because I don't have the money to repay). Is this true? What would be the process and how long would the process take? Thank you for your time in advance.

Q: Greetings, I lived in Saudi Arabia before and have unpaid debts that have not been resolved. Can a travel ban be placed on me in the UAE for this? What about my wife and kids if they travel to or transit through the UAE? Regards,

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.