Q: Hi I am working in Dubai and I have a credit card with limit 10000 (which is fully used) and a personal loan of AED 37000 balance with a bank. The last 9 months, I was having problems with my job and was not able to pay my credit card minimum amount, but I have not defaulted on my loan amount. Yesterday, I got a call from a legal agent claiming to file a case for the credit card. I am not in a situation to pay both the dues together but I can pay my credit card dues once I settle my personal loan which is 3700 x 10 more months. How to resolve the issue? If they file a case against me, will I be imprisoned for the said amount of AED 10,000?

Q: I missed my bank credit card payment for the last two months. How long will the bank wait before taking any legal action? Also, they do not have a security cheque from me. So what can they do exactly in this situation?

Q: I have around AED 66,000 total credit card amount pending with 5 banks. I have missed 2 payments now. What are the consequences I should foresee in this situation? What are the possible solutions?

Q: Hi. I have 3 police cases filed due to credit card (1st card 15k, 2nd card 53k, 3rd card 77k). This includes all penalties and late payment charges for the non-payment. What are the penalties and what can you do if they call you to 3 different police stations? What can you do if you don't have sufficient money to settle the penalties? Please advise.

Q: Hi Sir, I have a judgement in absentia for 3 cheque bounce cases with amounts less than 100,000 in Dubai, U.A.E. Can I appeal and convert them to fines through a lawyer?

Q: Hi My personal loan outstanding balance is AED 20,000 overdue is AED 1800. If the bank takes legal action civil case against me, then what kind of problem will I face?

Q: Dear Questioner, What is the punishment for a losing party in a civil case? I want to file a civil case. However, if I do so and I receive a judgment in my favor, will there be any consequences for the other party besides a travel ban? Should I just avoid pursuing a civil case and forget about my rights?

Q: Good day, Sir, I have received a message from the Dubai Court stating that a bank has filed a civil case against me. The loan has been pending since February 2019. I cleared the cheque bounce case earlier with a court fine in 2019. I am looking forward to a minimum settlement plan with the bank. The outstanding amount was around 70,000 AED, and now the message is for 115,000 AED. What will be the best way for me to proceed: approaching the bank or dealing with it in court? Best regards,

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.

The law promulgates UAE Civil Procedures Code (Civil Procedure Law) which governs civil procedures in the United Arab Emirates, including the prosecution before the courts, litigation and execution.

The provisions of this Decree by Law amend the Federal Law No. (18) of 1993 by replacing Clause (4) of Article (379) as well as Articles (600), (617), (641), (642), (643), (644), and adding new articles numbered (635) Bis, (641) Bis (1), (641) Bis (2), (641) Bis (3), (641) Bis (4), (643) Bis (1), (643) Bis (2), (644) Bis (1) and (644) Bis (2). The Decree-Law also repeals Articles (401), (402) and (403) of the Federal Law No. (3) of 1987.