Q: After missing 2 months of payments on a credit card, the bank presented a security cheque on my current account for AED 101,000 and it bounced. They have said that they have filed a case with the police and issued a travel ban. I have since made a minimum payment as requested and plan to discuss repayment with the collections department. As a businessman, I travel to other countries. Will I now be subject to a travel ban/ be detained at the airport / taken to prison?

Q: Good Morning Ma'am, What is a civil case? I have an outstanding payment for a bank of AED 61875.61. I am unable to pay because of salary delays, this has lead to financial instability. Now, the bank informed me that they will file a civil case against me. I want to understand what will be consequences for me. What judgement will I get from court? Please advise. Thanks & Regards, F.

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 solutions?

Q: Hi, I have a credit card loan and credit card debt with an amount of AED 26000. Unfortunately, I'm not in a situation to fulfil the payment for the last 3 months. How can I deal with this legally? If I avoid paying the debs, what will be the consequences? The bank is not being flexible on this. Z.

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, I worked for 13 years in the UAE and I have an excellent record with the bank. The company where I worked shut its operations effective Dec 31, 2019. I was lucky however to have found a job in Bahrain where I am currently residing. I have a personal loan and an outstanding of about AED 300 000. With my current salary in Bahrain, I am not able to pay the full monthly installment which currently is about AED 18 000 since my salary in Bahrain is 43% less than that of the UAE's. I have not defaulted so far, I have kept some money at the bank and I wired an amount from Bahrain, but at the end of this month, I will not be able to pay anymore the full amount. Is it fine if I pay half of the amount on a monthly basis? If I do this, will the bank still file a case against me? I have contacted and emailed the bank countless of times to restructure the loan, but since I do not have a UAE resident visa, the bank is rejecting this possibility. Please could you clarify the legal part of this dilemma? Thanks!

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.

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 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.