Q: Hi Mr Hari I have had a cheque bounce with one of the banks in Dubai which was an inbuilt cheque in credit card application. They had submitted a police case against me in April 2018. I was taken at Al Ragga police station. asked to pay AED 2000 fine. I was presented in front of the public prosecutor. I accepted that I am unable to pay the credit card amount and the bank did not tell me that they are submitting the cheque. I paid the fine on-spot and the passport was given to me. I also got my Police Clearance Certificate. Now to my surprise, after all this pain and harassment, the credit card fellow and so-called collecting agent are threatening to do a civil case. They are saying we will cancel all the extra interest charged on the card amount. Just clear the basic card value. I told them I was paying minimum payments earlier as well. But the bank did such a wrong thing by declaring me absconding. I have given 4 good years to this country. Please advise. If I do not take their calls and threats, what will be the worst case scenario?

Q: I had some credit card financial issue and I couldn't pay. The bank put a police case and I paid a fine and finished the case. After some months with different collection people from the bank calling me and coming 2-3 times directly to my office, they told me they will file a civil case for the total dues of 30K. What is the solution for finishing all this?

Q: Dear Sir, Good day. I had a credit card with a bank in the past in 2016 and my credit limit was AED 7500. I lost my job so I was not able to pay this amount at that time. The bank filed a criminal case against me and I went to jail for one month in 2016. Now, the bank called me again and asked about the payment, but I'm still not able to pay. The recovery agent told me they are filing a civil case against me and they're asking me to pay AED 29000. How is it possible as my card limit is 7500 only and that time the bank filed a case against me for AED 10000? What should I do in this case? Please assist me

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.

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.