Questions & Answers
Consequences of a civil case by the bank for a credit card
Dear Sir,
I am living in the UAE.
Last February 2019, a bank filed a criminal case against me for credit card and security cheque bounce of AED 60000. I paid the fine and got released from the public prosecution at al Rahba, Abu Dhabi.
Afterwards, one law firm contacted me chasing for the unpaid dues from that bank and said they will file a case against me. I am jobless and searching for a job for the last 4 months due to my termination.
If they file a civil case, will there be any impact on applying for a new visa? It is possible to overrule any court decision? How can I get released from this situation?
Hence, I don't have any single dirham with me to pay the bank. Also, advise if the police can arrest me on the basis of this civil case immediately.
Your favourable response will be highly appreciated.
Dear Sir/ Madam,
Thank you for getting in touch with me on this.
In theory yes, they can file a civil case against you to recover these dues.
However, filing a civil case will not translate into a travel ban (unless the court specifically orders so, which is not often). The civil case will not impact your visa status too.
Only when the civil case judgement is out and the bank applies for execution, where your visa will be frozen and there will be a warrant to arrest you.
There will be no arrests done till the time the civil case is going on until judgement. I would advise you to continue negotiating with the bank and settle the case. This is the only avenue for you at the moment.
If a civil case is filed, please make arrangements to defend yourself as the bank may demand more than AED 60,000/-.
I trust you will find this helpful.
Regards,
Hari Wadhwana
052-9495731
