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: Hi , I left UAE during the financial crisis 2009 because I got laid back by my employer and I could not pay back my bank loan. The bank collection agents contacted me few times but I couldn't reach an agreement with them as I am facing financial difficulties as a single parent for 2 kids currently not working. l want to go back to the UAE for a job offer. I need help finding out if the bank has raised a case against me and what is my current status and legal options to be able to work in the UAE.

Q: I have a police case for a bounced cheque last year March 17. It was against a loan which I drew but later I changed my job. I left the UAE and came back, but before I can do something the bank felt insecurity and immediately they submitted my security cheque to the police station and put a case on me. The same day, I paid the fine and came out. Later, I joined a new company and provided the necessary documents and new security cheque. My account was then regularised (After resigning from the previous company my account was frozen) and since then everything is fine. Now, I want to settle my loan in full. I already mobilised funds needed. I want to know asap if I settle the loan in full, how the travel ban or police case will be removed? Will the bank do everything and give me a clearance letter?

Q: My credit card was in minus and haven't paid the minimum amount for the last month. I need to fly for an emergency. Can they stop me at the Dubai airport?

Q: Hello, My credit card limit was 30k. Once I stopped paying, they are now asking me for 94k and telling me they will file a civil case against me. What should I do? They are now giving me a settlement, but it is still more than my credit card limit. Please guide me!

Q: Dear Sir/Madam, What is the minimum amount of bad debt in the UAE for credit cards? Is 6,000 considered bad debt? And after how many missed payments is someone considered a defaulter?

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.

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 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.