عواقب التخلف عن سداد قرض بنكي

Dear Sir/ Madam,

Thank you for reaching out to me on this.

Please note that in law, a person can file a dispute for as low as AED 1/- too. The law does not differentiate on the quantum of the claim.

Hence the bank does have a right to file a civil case, however, whether they are "likely" to file one depends on case to case basis and difficult for me to predict.

In a civil case, there is no travel ban issued automatically, instead the plaintiff can apply for a ban and decision to enforce is at the discretion of the Judge.

However, after judgement, the execution department applies a travel ban.

If the collection department is harassing you or breaching privacy, then you can file a police complaint at the nearest police station.

I trust you will find this helpful.

Regards,

Hari Wadhwana