س: لدي قرض غير مسدد من أحد البنوك بقيمة 200 ألف درهم إماراتي. لابد أن قيمة القرض في الوقت الحالي أصبحت ملايين الدراهم بعد سنوات من إضافة الفوائد. أصبحت حياتي مستقرة إلى حدٍ ما… ج: حاول التفاوض معهم للتوصل إلى تسوية للتنازل عن الفوائد والرسوم والتكاليف. قد تكون هناك غرامات أخرى قد يتعين عليك تكبدها…

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أفضل إستراتيجية لتسوية قرض وحذف اسم المتخلف عن السداد من القائمة السوداء

مرحبًا جميع المحامين المحترمين،

لقد غادرت دولة الإمارات العربية المتحدة لأنني فقدت وظيفتي في عام 2009، وفي ذلك الوقت، لدي قرض غير مسدد من أحد البنوك بقيمة 200 ألف درهم إماراتي. لابد أن قيمة القرض في الوقت الحالي أصبحت ملايين الدراهم بعد سنوات من إضافة الفوائد.

بدأت حياتي من جديد وبعد مرور عشر سنوات، أصبحت حياتي مستقرة إلى حدٍ ما. إنني الآن في وضع يسمح لي بسداد حوالي 100,000 درهم إماراتي. من خلال خبرتك، هل تعتقد أن البنك سيقبل ذلك باعتباره تسوية نهائية وسيتم حذف اسمي من القائمة السوداء؟

إن اقتراحك محل تقدير كبير، وإذا كنت ترى أن هذا المبلغ سيكون مقبولاً، فإنني أريد القيام بذلك عن طريق محامٍ.

شكرًا مقدمًا.

Nicole Shroff

Ansh Legal

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9 Feb 2020, 06:08

Hi,

You should definitely call the bank and enquire about the status of your loan and the break up of principal, interest and fees and charges.

Try and negotiate with them a settlement to waive the interest, fees, and charges. There may be other penalties that you may have to incur depending upon whether there was a cheque that the bank has bounced.

Happy to assist you in this process. Please contact me via phone or email for further information.

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Maryam Ali Saleh Hayyaz

Maryam Hayyaz & Wejdan Bushahab Advocates

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9 Feb 2020, 06:50

Dear questioner,

We can help you with the settlement process with the bank.

Kindly contact us via phone for a detailed discussion or write us an email for further assistance.

9 Feb 2020, 19:30

Dear Ms. Maryam,

Thank you for your response. I have contacted the bank directly and expecting them to come back with a settlement offer.

Of course, I would need legal help for the entire process but do you suggest me to negotiate also through you or I should negotiate first then get back to you for the procedure?

Best regards,

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Dr Amira Al Bastaki

Dr Amira Al Bastaki Advocates and Legal Consultants

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9 Feb 2020, 07:54

Dear Sir,

Regarding the above-mentioned subject, we can offer you the necessary legal advice and reach a settlement with the bank. Please contact us via phone or email.

9 Feb 2020, 19:30

Dear Dr. Amira,

Thank you for your response. I have contacted the bank directly and expecting them to come back with a settlement offer.

Of course, I would need legal help for the entire process but do you suggest me to negotiate also through you or I should negotiate first then get back to you for the procedure?

Best regards,

10 Feb 2020, 06:43

Dear Sir,

Do what is more convenient for you.

For more legal advice, please contact us.

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Brett Michael Westernoff

Elnaggar & Partners

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9 Feb 2020, 07:54

Dear Sir/Madam,

We handle these cases on a regular basis and would be happy to assist you in this matter. Kindly contact me directly to discuss it further.

I look forward to your reply!

Kind regards,

Brett Westernoff

9 Feb 2020, 19:28

Dear Brett,

Thank you for your response. I have contacted the bank directly and expecting them to come back with a settlement offer.

Of course, I would need legal help for the entire process but do you suggest me to negotiate also through you or I should negotiate first then get back to you for the procedure?

Best regards,

10 Feb 2020, 05:21

Dear Sir,

Thank you for your reply.

You can start the negotiation process and see what the bank will offer. Once this connection is established, then we can implement a strategy to ensure you get the best viable option to reach a full and final settlement.

Please contact me at any time.

Kind regards,

Brett Westernoff

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