Questions & Answers
Can I work in other GCC countries if I have unpaid bank debts in the UAE?
Greeting!
My name is Fazil Hussain,
I was working in the UAE for past 5 years, I have a personal loan of 80,000 from ADCB Bank in Dubai. I never missed a single EMI to the bank and had good records. But I lost my job, so had to come back to India.
I wanted to go back to Dubai and search for a job but the bank said they have blocked my visa and I cannot get a job there. I replied to the bank by email that if they block my visa then how can I find a job in Dubai and how should I pay my outstanding balance on the personal loan. I can pay my loan only if I get a job in the UAE...
Please help me with your advice, I can pay the outstanding only if I work in GCC. I can't afford to pay from India. I want to pay my outstanding and clear it.
Can the bank give me NOC to work in Dubai and pay their loan? And I want to know, is it possible if I go to Saudi Arabia and do a job and pay my installments to the bank in the UAE?
Loan by Bank
If the borrower failed to pay 3 consecutive instalments or 6 nonconsecutive instalments of the monthly instalments without approval of the bank, then ALL the instalments, interests and any other fees and expenses become DUE AND PAYABLE IMMEDIATELY without any notification or any court ruling (this is under the Central bank approved standard loan forms which you have signed).
The bank may in all likelihood pursue a legal case (criminal and then civil) against you for default.
Yes, the UAE does have treaties with GCC countries, however, the system is not shared so if you come back to the country you have to pay then you will be arrested. But you may try other GCC countries provided you haven't been there. As connection for arrest be made only if there is a record.
