Impact of missing a loan instalment after job loss on travelling outside the UAE

Questions & Answers

8 available 8 • View all

Expected action from the bank for defaulting on a loan

Q: Dear Madam, Please advise me, I have a credit card and I used up to AED 50000 for the last three years. I was paying monthly the minimum instalment. But now for the last 5 months, my salary is delayed so I did not pay the instalments. Please advise what action can the bank take and what do I do to solve that action. Thanks

Apr 8, 2019

1048

Possible action for delay in payment of credit card installments

Q: Dear Sir, I have one credit card in a UAE bank from 2015. I was paying the minimum instalment every month but for 5 months, my salary is delayed and I wasn't able to pay more. The total outstanding is AED 60000. Please let me know what action can the bank take and give me some soloutions. Thanks.

Apr 4, 2019

3581

Credit card debts and consequences in the UAE

Q: Madam, I have one credit card in a UAE bank from 2015. I was paying the minimum instalment continuously every month but for 5 months, my salary is delayed. I want to know what action can the bank take against me. Thanks.

Apr 3, 2019

4573

Payment of an outstanding loan from abroad after leaving

Q: Hi Hari, My name is P. I have a question for you, hoping a better clarification from you. I am working in the UAE and I have taken a loan of AED 150,000 from a bank. Till date, I have paid my monthly dues without fail. I am planning to change my job outside the UAE. What are the steps that I should follow? Is it possible for me to pay my loan amount in the UAE while staying outside the UAE? Kindly advice.

Sep 17, 2019

9223

Is it possible to leave the UAE if you have a loan and continue paying from outside?

Q: I have an outstanding loan in the UAE, and I got a job in Europe. How do I go about it? If I inform the bank, will they allow me to continue paying the loan from outside the UAE?

Mar 20, 2021

1530

How to check if the bank filed a case against me before leaving the UAE?

Q: I lost my job and since then, I haven't been successful to get hired in the UAE. Fortunately, I got a job back home, starting date at beginning of May. I have a bank loan with a bank that I couldn't close in full before leaving the UAE. My end of service would be used as a partial payment of the loan but the remaining balance will be over 200K. I aim to reach a new agreement with the bank, having a lower monthly instalment and longer loan period, being paid from my home country. I need an advice how to proceed on this matter in order to be able to leave the UAE at the end of April without being stopped at the border and reach an agreement with the bank from outside the UAE to pay the loan from my home country. The answer time from the bank is very slow. Thank you

Apr 20, 2021

1432

Can you leave the UAE with pending loans and pay from abroad?

Q: I have a loan and a credit card and may have to leave the UAE emergently to care for a sick parent. Is there a way I can leave and make payments from the US? How long does it usually take to be able to leave? Any other suggestions?

Apr 28, 2021

2772

How to settle a bank loan after job loss?

Q: Hi, I have just got a message from the Dubai court for a travel ban and a case number. I have an issue with my bank for an unpaid loan and credit card although I tried many times to settle. What do I need to do next?

Feb 20, 2023

175

Legal blog

2 available 2 • View all

The Consequences of Job Loss and Defaulting on Financial Liabilities

The management of individual financial affairs is crucial and all the actions must be weighed down while committing to any financial liability. Whether it's job loss that may have lead to financial failure or the opposite, one must be aware of the personal liability which will not diminish by paying fines for cheque bounce cases. There are two major types of liabilities, criminal liability and civil liability. Each has its own significance, hence, must be dealt with accordingly.

Feb 12, 2019

18948

Online POA and Other Notary Public Services in the UAE

With the introduction of the new procedures for obtaining a power of attorney (POA) remotely in the UAE, after it was mandatory to appear in person in front of the notary public as a global rule to ensure the identity and intention of the person requesting a POA, we put between your hands this brief guide for how you get it done.

Jun 8, 2021

19242

Laws & Regulations

2 available 2 • View all

Federal Law No. (3) of 1987 Promulgating the Penal Code

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.

Dec 8, 1987

47952

Federal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates

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.

Dec 15, 1985

148526

Premium

Abdul Wahied Mohammad Sharief

Other answers by

View all

How to file a case against my former company for unpaid salary I was not on their visa?

Dear Legal Advice Middle East, I hope you are well. I am seeking legal advice regarding an unpaid salary issue with my former employer, [-----]2 LLC. I was employed with them from December 4, 2024, to January 7, 2025, on a monthly salary of 5,000 AED. However, I only received a partial payment of 2,473 AED on February 24, 2025. The remaining 2,527 AED is still unpaid. I submitted a complaint to MOHRE on March 2, 2025, but I am unable to proceed further through their official channels. This is because I was working under the visa of my previous employer, [---] LLC, and not under [----]’s sponsorship. As a result, I do not meet the criteria to file a labor complaint via the MOHRE app or hotline. Given this situation, I would appreciate your guidance on how I can legally pursue the recovery of my remaining salary, considering the complications related to my visa status during the employment.

Apr 30, 2025

After closing the company, can an investor stay in the UAE until the residence visa expires?

Hello, An investor has a residence visa valid until February 2027; however, he wishes to close the company before the current license expires in December 2025. Can the investor still legally reside in the UAE until the residence visa expires?

Apr 29, 2025

Employer agreed to settle before MOHRE. What if they don’t pay the promised amount?

Hello, I already have a dispute order with MOHRE. Then my employer became willing to settle the case. What should I do in case they do not follow through with the promised amount to pay?

Apr 29, 2025

What can a company do if an employee agrees to stay but then stops reporting to work?

Hello, My employee provided a resignation. Our company offered a salary raise and made a deal with him where he agreed to continue with us, but it’s not on paper. He suddenly stopped coming to work, stating he doesn’t want to work anymore. What rights do we have as a company, and what can we do about it?

Apr 30, 2025

Despite a waiver, the case is still with the public prosecution. Can I travel?

Hello, I had a case regarding fraud by technical means, and we did a tanazul. It was attested and submitted to the court, but the case still hasn’t been dropped and is now with the public prosecution. What do I do now, as I need to travel urgently?

Apr 28, 2025