Q: Hi, Can I file a complaint against a debt collecting agent for harassing me to collect my debts for a bank in UAE? They have been calling me and I responded to their calls and during my off, they tried to reach me but I could not respond to them due to personal reasons. They called my parents back home and threatened me saying they will call my boss and sent me a voice text saying "I will make you suffer". They are using abusive and unprofessional languag like "I am criminal" and "liar" and asking me "Am I a human even?".

Q: Hi, Can I file a complaint for being harassed to collect my debts to a bank here in Dubai? They've been calling me in my landline office and they've been calling my boss as well at work. Can you help me? Thanks, W.M.

Q: What should you do if a debt recovery agent contacts you?

Q: Hello, I have a personal loan (296k) with a bank which I took in October 2019. My EMI (7842) started in January 2020. I have been sincerely paying the EMI's from January 2020 till May 2021. I stopped after that because of job loss during the pandemic times. I have lost my job in August 2020 and still, I have made sure to make the payment of my EMI's on time till May 2021. Unfortunately, after that, I have not been able to grab an opportunity to continue my payments as the job market is down due to corona and flight bans. And now the bank people have started sending multiple third-party people belonging to different companies from India harassing me and my family with calls and messages. They also reached my home shouting in front of it ill-mannerly with my mother who is a heart patient. With this kind of behavior, my family's respect has been tarnished in front of the neighbor's. Please help! I don't want to spoil my career. Regards,

Q: Hi I have a credit card from a finance company and I have an outstanding of 10k. I am paying every month on time but from the month of March 2022, the collection department is calling me and being rude to me. But finally now, before the due date, they messaged me on WhatsApp in a very bad way. The message is like this: "Dear customer, Tomorrow morning your payment has to reflect in the system. We will not entertain any objection to late payment." And I do my payment on time but what's this type of messages they are sending me. What should I do with them for this kind of unprofessional and rude type of harassment?

Q: Hi, I would like to ask if it is allowed for any debt collection company to send emails to multiple persons in my company which is HR, the CEO, and other colleagues of mine regarding the liability I have. Also, they keep on calling my workplace and keep on shouting at the reception to transfer the call directly to our HR Department. I would really appreciate it if someone can advise me on this matter.

Q: The bank said that they would file an execution case since I couldn't meet their demands. And as part of the process, they will visit my company and involve HR. Plus, I keep receiving excessive phone calls not only on my mobile but also on the company phones and landlines. Even the receptionist from the other branch received rude treatment even if I was constantly in contact with them. My questions are: 1. What is the process of execution case? 2. Is HR involved in this? Do they have the right to visit the company? 3. What can I do so they stop harassing me and my colleagues? Please, can someone help me with this? Thank you so much in advance.

Q: Is it legal for debt collectors to contact the employee's workplace when you have defaulted on your payment?

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.