Q: I have been terminated from the present job and have dues from three credit cards. Advise how to settle the same. Trying to get into a new job asap.

Q: I have a Najm credit card, I used to do a minimum payment every month. I am working for a company for the past 2 years. I am not getting salary on time I used to get salary after every 2 or 3 months. I did them a minimum payment but late by arranging for one or another. I came to know that there is a final settlement for the credit card where you can pay a fixed amount every month. I requested them for the past 6 months but they didn't help me. Also, I came to know that they have put my salary of 11500 but I am getting a salary of 5000/-. Every month they are torturing me, for that can you help me with this. They also say they will deposit my security cheque and file a police complaint. This time when I went to meet one of the people for Najm card, I told him about my situation but they are not ready to listen. He gave me two options, either to pay 18500/- in one stroke or 20500/- in 2 instalments

Q: Dear Sir, I have one credit card in a UAE bank from 2015. I was paying the minimum instalment every month but for 5 months, my salary is delayed and I wasn't able to pay more. The total outstanding is AED 60000. Please let me know what action can the bank take and give me some soloutions. Thanks.

Q: Hi, I have a credit card loan and credit card debt with an amount of AED 26000. Unfortunately, I'm not in a situation to fulfil the payment for the last 3 months. How can I deal with this legally? If I avoid paying the debs, what will be the consequences? The bank is not being flexible on this. Z.

Q: Hi Madam, I have a credit card which I fully used it and due to delayed salaries for 3 to 4 months I couldn't pay on time. And the bank is threatening me to pay the minimum amount otherwise they will file a legal case against me. I am ready to pay when I get my salaries, and also I have some other financial commitments. Is there any solution to get a reasonable time to settle the payment and to stop charging interest on the amount for this time?

Q: Dear sir, I failed to pay a credit card loan to a bank and they are threatening me to file a police case. They keep calling my manager at my company. Can I know what will happen if they make that case against me? Can I file a case against them? It will help if there is a phone number to explain more.

This Law promulgates the Federal Penal Code (Criminal Law) of the United Arab Emirates. Crimes and chastisement punishments shall be determined in accordance with the provisions of this Law and other penal codes.

This Law applies to merchants, as well as to all acts of commerce carried out in the UAE by any person even though he be not a trader. Commercial matters regarding which specific Federal laws are issued shall be subject to the provisions of such laws, and to the provisions hereof which do not contradict with said laws.

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.