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? 

Q: Hi, I worked in Dubai between 2005- 09. I left with possible outstanding debt. How do I find out if a police file has been opened against me and what should be my next steps?

Q: I have a travel ban set by Dunia Finance LLC, as I had a loan from them and failed to make some instalments. Now, I am in India and I want to clear this issue. Please give me some options to solve this matter. I can follow your instruction to solve this.

Q: Hi Sir, I am an Indian national, I had to resign from my job 6 months back and leave the UAE due to health reasons. I am unable to go and work in the UAE. I have a personal loan of 120,000 and credit cards of 97,000 and not paid my personal loan and credit card dues for 2 months. I do not have an intention of returning to Dubai soon. Will the bank deposit the security cheques and take an arrest warrant? Will I be able to request a settlement of as I can pay 50% and close these accounts? Please reply

Q: Hello, I have a problem. I have a loan and a credit card unpaid because I was deported for another reason. Can I work in other GCC countries even if I have a problem with my loan and my credit card? After paying them, if I find a job, am I safe to go to any GCC country?

Q: Hi I have a personal loan around AED 230000 in the UAE. I'm outside of the country. I have not taken the last 2 months salary of April and May and I can not pay the instalments. Now the bank started to ask for the payment. What will be the next step? Will they raise criminal case outside the UAE? Can I reschedule instalments? Please advise. M.

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?

Q: Hi, I took a personal loan from a bank in 2018 for AED260000 then I left the country but continued to pay for a while. One month ago in Dec 2020, they have filed a civil case. If I hire a lawyer for my case to clear, would that help to solve the issue or should I try contacting the bank to negotiate? I am not sure if the bank will be willing to negotiate to close the outstanding as I was told by a friend, that banks have insurance on the debt that is lent and if there is a civil case they can claim insurance for the lost money rather than negotiating with the borrower, especially after a civil case is registered. Is that true? I want to clear my name at the earliest but I don't have that much money (now it is AED 293000 with interest and late fee). In a civil case, what are the proceedings if I hire a lawyer? Does it help to get the amount of payment lowered via court? If so, how much lower can the court order to close the case and how long would it take? Thanks!

Q: Hello, I have had an outstanding loan in the UAE since 2016 and left the UAE. I was in negotiations with several debt collectors. I paid a part back but there is still a part open. I am willing to pay the loan back or let's say a waived part of it. But the way of communication with the debt collectors was very unprofessional. From now on, I have to fly to some GCC countries like Saudi Arabia or Qatar. Is there any problem or better not to do it as long the case is open?

With the introduction of the new procedures for obtaining a power of attorney (POA) remotely in the UAE, after it was mandatory to appear in person in front of the notary public as a global rule to ensure the identity and intention of the person requesting a POA, we put between your hands this brief guide for how you get it done.