Questions & Answers
Questions & Answers
9 available 9 • View allNegotiations with the bank
6
Q: Is a bank obligated by law or financial regulation to provide a payment plan for a credit card loan if the monthly instalments are too high?If the answer is no, what can I do to avoid legal action and only pay half the instalment which is what I can afford?

Nov 25, 2016
6316
Bank loan issue
5
Q: I was working for Etihad Airways as cabin crew. I got fired last March so I couldn't pay my loan to the bank. I tried to find a job but I was not lucky.
However, when I came back home, a hotel in Dubai sent me an offer letter. But the bank sent me a notice about legal action. If I don't pay the last 4 months I will be facing a big problem with the court.
What should I do? Please advise.

Jul 13, 2017
5957
How to check UAE travel ban: the procedure, documents needed and the cost
11
Q: Dear Sir,
Is there any options to check my travel ban (UAE) ...because I had some bank loan.
Awaiting your reply.
Thanks

Sep 13, 2017
20425
Leaving the country without settling debts
4
Q: Hello Sir,
I would like to move to Qatar very soon, however, I have credit card debts in the UAE.
Please give an advice that I can move without settling credit card debts.
If so, will I be arrested in other GCC countries due to the non-settlement of debts in UAE?

May 14, 2019
2453
Applying for a bail to travel out of the country
0
Q: Hi Mr.Hari,
Can you take my case and get permission for travelling?
I am ready to pay the service charge.

May 15, 2019
826
How to reschedule bank loan payments in case or leaving the UAE
0
Q: Good afternoon,
I’m a doctor who lives and works in the UAE. I have a current personal loan which I’m paying it regularly but I have a better offer to move and work in the UK.
Is there a way to contact the bank and reschedule my loan payments and pay them from the UK?
Obviously, this will need more scheduled payment years as my salary in the UK will be less than the UAE.
To make it clear, instead of paying my loan in 4 years as here in the UAE, can I schedule it to 8 years?
Thanks!

Jun 9, 2020
1073
Traveling to a GCC country while there are travel ban and cheque bounce case in the UAE
7
Q: I had lost my job due to a reduction in force dated 04th, Oct 2018. I have a 1,73,000 AED balance loan in the UAE. After a long struggle, I have an offer from Qatar now.
Kindly advise:
1. Can I travel to Qatar?
2. I have a travel ban and cheque bounce case, how can I sort out this?
3. I have given 2,00,000 AED to one of my colleagues on a returnable basis (without interest) on behalf of his cheque, now he is not giving that money back because I was not there since the last year, how can I deal with him?

Nov 28, 2019
3060
Traveling to a GCC country while there is an unpaid loan in the UAE
24
Q: Hello Ma'am,
My question is regarding the GCC travel ban. After working for 8 years in Dubai, I lost my job in 2018 and had to subsequently leave Dubai and while doing so I still had an unpaid loan of 160K AED + 50k AED credit card debt.
I have not been able to pay anything back to the banks since June of 2018. Now in Oct 2019, I am receiving a job offer letter from a Kuwaiti company and will be positioned in Kuwait.
I would like to know if I will be able to get an employment visa from Kuwait and land safely in Kuwait. I am willing to settle down all my debts with all the banks upon getting a job there.

Oct 12, 2019
2535
Can I leave the country with a criminal case and canceled visa?
1
Q: Dear Sir/Madam,
I am currently facing a criminal case (drug consumption) and have pending loans and credit card debts.
Will I be able to leave the country, as my company has also canceled my visa?

Jul 22, 2023
153
Legal blog
1 available 1 • View allUAE Travel Ban: What You Need to Know 163
The UAE travel ban may be imposed on a person on various grounds, for instance, as the result of criminal offences, unpaid loans, breach of immigration laws or family matters. Implications of such a ban can be financially severe and daunting for the affected person. This article aims to give readers a clear understanding of what is the UAE travel ban, what are the grounds and procedures for its imposition and removal, how to check if the person is banned from travelling and other related topics.
May 6, 2024
136022
Laws & Regulations
2 available 2 • View allFederal Law No. (3) of 1987 Promulgating the Penal Code 29
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.
Dec 8, 1987
47901
Federal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates 96
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.
Dec 15, 1985
148362

Premium
Other answers by
342 342 answers •
View allHow can I vacate my tenant if the rental agreement ends before the eviction notice deadline? 0
My Dubai tenant's rental agreement is ending by the end of September 2024 and the completion of 12 months of legally served Eviction Notice is the end of December 2024.
I have two questions:
(a) Can I send a rent increase notice 3 months before as the rent has increased as per the RERA rent calculator?
(b) The second question is, do I have to renew the rental agreement for 3 months (until December 2024) or not?
Thank you.
May 1, 2024
269
How can I reach a settlement with the bank for a mortgage of a jointly owned property? 0
I have a jointly owned property in Abu Dhabi. The mortgage was defaulted on as I had to leave the property with my children following an assault by my ex-husband. He left the country in 2018 and never paid the mortgage.
As I was in the country, the bank filed a criminal case against me, and I was sentenced to 3 years. I won the appeal against the bank and then filed another criminal case a few months later in Dubai. Again, I won and paid a fine.
In 2019, the bank started a civil case against me and my ex-husband to have the property repossessed. However, at the time of the purchase of the property, there were no Title Deeds, the bank requires this.
I cannot give them the Title Deeds to sell the property and pay back the amount owed to them as my ex-husband refuses to provide a POA. The bank has filed another criminal case against me only for our jointly owned property.
I wish to resolve this and pay off the bank and receive any money left from the sale. How can I resolve this issue of the Title Deeds?
Oct 4, 2022
285
The procedures for filing for divorce on mutual consent 0
Dear sir/madam,
I am separated from my wife due to compatibility reasons. We got married in the Indian consulate in Dubai on December, 23rd.
We would like to file a divorce on mutual consent as soon as possible. May I get some advice here on the procedures?
Sep 13, 2022
676
My previous employer failed to pay my gratuity. Can I file a case 6 months after resignation? 0
My previous employer failed to pay my gratuity six months past now since I resigned, Is it possible to file a case against him after a 6 months period?
May 31, 2022
1275
Can a real estate agency hold a percentage of a property sale until transfer is done? 0
A real estate agency has signed an MOU stating that a 10% security deposit from the buyer and the seller will be kept in the real estate agency and will be released upon transferring the property.
The transfer of the property was blocked due to the court order.
According to my colleagues, the real estate agency is not a trustee and they are not allowed to have taken my security check in the first place, is this correct?
Jun 28, 2021
1264

Other answers by
453 453 answers •
View allTerminating an employee after sick leave and claiming compensation 0
Hello,
My employer fired me under Article 44 for not showing up for work for 7 days in a row. But that’s not the case at all. I was sick and the management was aware and they let me go.
I went to another country to get treatment because it’s expensive in Dubai. My employer did not pay me my salary for the month I worked and fired me.
I have official sick leave from another country and there is correspondence where my employer sent me to another country for treatment.
The problem is that the employer says that he will take compensation for the training that was specified in the contract, but I did not undergo training at all; I immediately started work from the first day of work and there was no training.
Does my employer have the right to charge me such a fee and not pay my salary?
Feb 29, 2024
451
How to make the seller hand over the tenant's security deposit to the buyer upon completing a sale? 0
Should the seller in Dubai hand over their tenant's security deposit to the buyer upon completing a sale?
Who is responsible for managing this process?
At the time of the exchange, the broker said he would follow up with the seller and collect the deposit.
He hasn’t, and the seller has not handed over the deposit.
Feb 8, 2024
418
How to deal with in-laws provoking and recording reactions? 0
Dear Sir/Madam,
My husband's family constantly provokes me and then records my every exaggerated reaction.
Now I'm worried that they might use those things against me.
Feb 8, 2024
236
How to cancel the MoU to buy an apartment with the broker if the bank did not approve the loan? 0
Hi,
I have a situation where I signed an MoU and gave my security deposit to the seller's agent. However later, the bank valuation of the property is lower than the selling price.
On my MoU, it has a clause that “the buyer has a right to cancel/negotiate if the bank valuation is not the same as MoU.” I tried to negotiate, however, we didn't agree on the price so I asked to cancel.
Now the agent is threatening me that they will not cancel the MoU and that will deposit my cheque. Later I also came to know that the person I am dealing with is not the same person whose name is mentioned as a broker in the MoU.
The agent I am dealing with is constantly messaging me with threats. I decided not to speak to him and instead, I wrote an email to the broker whose name is mentioned on the MoU but received no response.
I am on a very tight timeline as I need to vacate my apartment in 3 weeks, I found another unit but I don't know if I can pursue this while the initial MoU still not canceled.
Please, I need advice.
Feb 8, 2024
613
Employer asking for visa reimbursement after resignation: do I need to pay? 0
Hello Sir/Madam,
I have already finished my first year with my company and resigned.
My employer is asking me to reimburse the cost of my visa because I did not finish my two-year contract.
Do I need to pay? The cost is 7,000 AED.
Oct 20, 2023
806
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