Questions & Answers
Defaulting on credit card payments and checking records
I have 5 credit card payment issues from 4 banks. Last year, I was detained for 2 days in the police station for one of the banks bouncing a cheque for AED 55,000.
I went to the prosecution and paid a fine of AED 5,000 and cleared the cheque bounce case. Now, two banks are saying that they have filed a case, but they have not provided me with any case number or other details regarding the same.
I tried to negotiate with the bank as I am having a bad financial situation since December 2017. Until this, all payments were done on time on every card.
I wish to know how I can check if the banks filed a civil case directly without bouncing the cheque and filing a criminal complaint. I checked on the Dubai police website to see if any criminal cases are present in my name but it showed nothing.
I am in doubt if I can travel in and out of the UAE. All my card limits are under AED 25000.
Please suggest what can be done to check if any travel ban or cases exist on my name.
Dear Client,
Thanks for asking the question.
The bank can file a civil case without bouncing your cheques on the basis of the account statement and the loan agreement.
If you want to check the civil case against you, you have to visit all the civil courts in order to know.
Each emirate has a different court, so if you have any doubt, you can check with the civil courts of all emirates by personally visiting or giving power of attorney to a lawyer to check the status on your behalf.
If you do not have any criminal case in Dubai, then maybe you can have cases in Sharjah or Abu Dhabi.
You can not see all the details on the Dubai police website. You are advised to do a proper status check before leaving from the UAE.
If you have any further query, please feel free to call/ Whatsapp +971564591060.
Regards
Abdul Wahied
