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?

Q: Hello. I owe a bank here in the UAE a credit card debt amount. Due to circumstances (losing my main source of income, having other financial burdens, including monthly medical bills for cancer treatment & medications etc., and  I don't have health insurance), I haven't been able to pay back on time since over a year ago. Hence, that amount has since accumulated from a small figure to a relatively big one (currently at around AED 70,000). I have received an email recently from some "credit collection" agency, saying that if I don't pay back next month, they'll put a travel ban on me and file a civil case. However, it is impossible for me to pay this amount at this time. I am currently making "some" income (not as close as I used to before, but still), and have the intention to resolve this issue. Is there any way to reach a settlement with the bank (maybe to waive part of the amount or the interest), break down the monthly installments to smaller amounts, or any other solution you would suggest? Many thanks.

Q: I have a FAB credit card, they are asking me to pay an amount of AED 1150 within today or else they will send a legal notice to the HR, CEO and owner of my newly joined company. Can they do that? Also, can I hire a CA to check how much I actually owe them and how much I have actually paid for interests and fines and late payment fees? Your prompt response would be highly appreciated.

Q: Hi, Can I file a complaint for being harassed to collect my debts to a bank here in Dubai? They've been calling me in my landline office and they've been calling my boss as well at work. Can you help me? Thanks, W.M.

Q: Hi, Can I file a complaint against a debt collecting agent for harassing me to collect my debts for a bank in UAE? They have been calling me and I responded to their calls and during my off, they tried to reach me but I could not respond to them due to personal reasons. They called my parents back home and threatened me saying they will call my boss and sent me a voice text saying "I will make you suffer". They are using abusive and unprofessional languag like "I am criminal" and "liar" and asking me "Am I a human even?".

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?

Q: Dear Sir/Madam, I was delayed in my payment to a personal loan platform and asked them if I could pay on the next salary date. They ignored my message and now call me nonstop, even at work. They use different numbers to harass me, sending rude WhatsApp messages calling me a scammer and threatening to call my employer and family to get me deported. They also pretend to be from the Credit Bureau to squeeze money out of me, even though I don't have any. They also called my sister and friend to embarrass me. They are so rude, the rudest debt collectors I've ever encountered.

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.