Q: I am not able to pay my credit card loan, what could be the consequences? Shall I just wait for my police case?

Q: I have a Najm credit card, I used to do a minimum payment every month. I am working for a company for the past 2 years. I am not getting salary on time I used to get salary after every 2 or 3 months. I did them a minimum payment but late by arranging for one or another. I came to know that there is a final settlement for the credit card where you can pay a fixed amount every month. I requested them for the past 6 months but they didn't help me. Also, I came to know that they have put my salary of 11500 but I am getting a salary of 5000/-. Every month they are torturing me, for that can you help me with this. They also say they will deposit my security cheque and file a police complaint. This time when I went to meet one of the people for Najm card, I told him about my situation but they are not ready to listen. He gave me two options, either to pay 18500/- in one stroke or 20500/- in 2 instalments

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: Dear Sir/Madam, I failed to pay a credit card loan to a bank. They are threatening to file a police case against me. They keep calling my manager at my company. Can you tell me what will happen if they do file a case against me? I received a statement from the bank with CID on it. Does this mean I have a case now? And does it mean I can't travel? Please advise!

Q: Hi I have a debt for an online shopping company in the UAE of around AED 2800 and they have informed me that it is a clear violation of the UAE Civil Transaction Law (5)1985. I'm trying my best to pay the amount but I want to know about this law sentence and what will happen if I get delayed in paying.

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.

This Law applies to merchants, as well as to all acts of commerce carried out in the UAE by any person even though he be not a trader. Commercial matters regarding which specific Federal laws are issued shall be subject to the provisions of such laws, and to the provisions hereof which do not contradict with said laws.

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.