Questions & Answers
Questions & Answers
7 available 7 • View allTravel ban check for delay in the payments of credit cards and loan
5
Q: I have four credit cards. ADCB-2 HSBC-1 and FGB-1 and a loan.
ADCB credit card and loan, I'm paying without any delay, but HSBC & FGB I paid last month after collection dept. calls.
My question is, next month I'm going on a vacation. Will someone stops me at the airport immigration?
Please, I need your advice.

Oct 10, 2018
3433
The consequences of missing credit card payments
1
Q: I have four credit cards; ADCB-2, HSBC-1 and FGB-1 and loan. ADCB credit card and loan I'm paying without any delay, but HSBC & FGB I paid last month after collection dept calls.
My question is, next month I'm going on vacation. So will someone stop me at the airport immigration?
Again, I want to say that. The beginning of this month, I applied for a top-up loan to close all my credit card outstanding.
Today I received a call from ADCB that my application is declined. They are asking for a report from Etihad Credit Bureau.
Does it mean they will file a case against me?
Please, I need your advice.

Oct 15, 2018
1511
Credit card settlement and possibility of a travel ban
29
Q: Salam Mr Khalifa,
Quick question if possible.
If someone has a credit card and he wants to stop it and discuss the settlement of the pending amount with the bank, will there be a travel ban during that period?

Jun 10, 2018
8764
Bounced cheque for credit card and possible travel ban
1
Q: Hi Sir,
Good Morning,
I got a credit card cheque bounce of 10,000.00 recently, but after that, I did not receive any call from court or police team for legal procedures and penalty.
Will the cheque bounce lead to a travel ban or they have to file a case against it first?
Kindly advise.

Apr 30, 2019
967
Bank request to convert the bank account after leaving the UAE
2
Q: Hi Harry,
I'm lucky you are online.
I'm a GCC citizen and worked in the UAE until a few years ago and went back home. I still have a housing loan which I have been paying instalments regularly.
The bank called me and asked why my salary was not being deposited into my account for the last 3 years.
When I told them I had left, they insisted I go to them and they change my account from a salaried to an international account and in the meantime, my account would be frozen.
I'm worried if I go back they will force me to accept higher payments when the account is converted and I desperately need advice on how to deal with this.
Can they put a travel ban on me if I don't agree to pay a higher rate?

May 28, 2019
315
Enforcement of Small Claims Tribunal judgement for credit card
7
Q: I have an old credit card which I was paying until October last year.
Due to job loss and then I got a new job at 30% lesser salary, I started paying the bank under a settlement plan from January but missed 2 payments in between.
I have paid 5800 last month and 3000 this week, but the bank is asking to pay more 2400 to cover up for the missed payments which I told them I can't.
They are saying that they will cancel the plan and file a case in DIFC SCT court and there I will have to pay the full amount (AED 50K). There are no fines in the DIFC court & maybe I'll be ARRESTED.
So, please let me know what is the process at DIFC SCT court and if they will arrest me in case I didn't pay the full amount.

Jun 15, 2019
1094
Terminating the contracts of credit cards after default
0
Q: Hi Madam,
My name is S. I have two credit cards which I can't pay. I want to terminate this, please give me some advice.

Feb 16, 2020
539
Legal blog
1 available 1 • View allThe Consequences of Job Loss and Defaulting on Financial Liabilities 26
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.
Feb 12, 2019
18880

Other answers by
46 46 answers •
View allWhat to do in case of issuing cheques to a friend for rent and is not paying the amount? 0
Hi Ms. Jennifer,
My friend in Dubai opened her dance studio in Karama & requested me to give her 4 cheques in my name as they had some issues opening an account.
She assured me that every alternative month before the due date of the cheque she would deposit the said amount in my account. The 1st cheque was on 10 Nov 2022, for which she put the amount in my account.
On 10 Jan 2023 was the 2nd cheque & this time she did not put the money in my account, I borrowed money from my known sources to avoid the cheque bounce case.
It has been 13 days now & she has still not deposited my money in the account. How can I get out of this situation?
I want to take back my 2 pending cheques from the landlord as the class does not belong to me, I just helped on humanitarian grounds & this is what I got in return.
I have been messaging her pleading with her to deposit the money in my account but she has been giving me excuses.
Please guide & help me.
Jan 23, 2023
450
Starting a new business after closing the old one 0
Dear sir/madam,
I am planning to start a new business in the UAE. I left my old office and planning to go for the registration of a new license.
Is there any legal issue to start a business? And can I approach my existing clients for the new business?
Apr 18, 2022
265
Refusing to return the remaining rental cheques despite providing a proper notice 0
Dear sir/madam,
Can a landlord refuse to return the remaining rental cheques if the tenancy agreement has been terminated earlier with proper notice in place?
I am vacating a quarter earlier, but the landlord refuses to return the 4th quarter cheque until I vacate the premises and he makes post-inspection despite having a separate security deposit amount in place.
Feb 14, 2022
862
Is it possible to settle credit card debts after losing job and leaving the UAE? 0
Hi,
I was laid off in June 2020 during COVID19 and had credit cards in several banks. I had to leave the country but was still paying the banks up until September 2021.
So I was getting calls from the bank, and the last one was maybe in December 2021. A new law came into effect this January, so the cheque bounce was decriminalized but the civil case is still there and a new option of some kind of execution is also there now.
I don't know if I got any cheque bounce, do I get a notification on my email or SMS on my mobile? (My mobile is still active and I am outside of Dubai since then).
Also, want to ask- under the new rule does the execution smth can lead to imprisonment and/or a travel ban? And if yes then for how long?
Will I be able to come to Dubai and find a job if the execution case is there?
Thank you
Feb 7, 2022
489
Vacating an apartment by the landlord upon tenant's refusal of the new contract 0
Hi,
I have a query regarding a contract renewal. I have given notice by the notary public to my tenant to vacate my apartment.
He is not agreeing on terms and conditions and is asking to have the same terms and conditions as the previous year's contract, for which I said that I will not sign the contract which contains renewal terms and conditions.
(I told him 90 days before the current contract expiry date that I am not willing to renew and I will give the notice to vacate).
So if I do not sign the contract and it gets renewed automatically, can my tenant challenge the notice by a notary public at the time of vacating the apartment?
Thank you!
Jan 24, 2022
508
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