Q: Good day. My husband has a loan with a UAE bank. He has left the UAE a few years ago and has not paid the monthly payments. Therefore the bank already approved to file a police case against him. He wants to visit one of the GCC countries for business and he wants to work there. Thus he has contacted the bank to ask for rescheduling a new monthly payment plan and clear the police case. However, the bank wants to have the total amount of his loan. I've heard that if someone has a financial police case in the UAE and when travelling to GCC countries, he will be arrested in any of the GCC countries airports, is it true? Would it be possible to clear the police case and negotiate with the bank through a lawyer? If it's possible, how long does it take? Please advise, Thank you. Regards, E. B.

Q: Greeting! My name is Fazil Hussain, I was working in the UAE for past 5 years, I have a personal loan of 80,000 from ADCB Bank in Dubai. I never missed a single EMI to the bank and had good records. But I lost my job, so had to come back to India. I wanted to go back to Dubai and search for a job but the bank said they have blocked my visa and I cannot get a job there. I replied to the bank by email that if they block my visa then how can I find a job in Dubai and how should I pay my outstanding balance on the personal loan. I can pay my loan only if I get a job in the UAE... Please help me with your advice, I can pay the outstanding only if I work in GCC. I can't afford to pay from India. I want to pay my outstanding and clear it. Can the bank give me NOC to work in Dubai and pay their loan? And I want to know, is it possible if I go to Saudi Arabia and do a job and pay my installments to the bank in the UAE?

Q: Good day! I have a personal loan in the UAE, which I haven’t finished paying yet. I’ve never missed any payment when I was still working there back in 2018. I had to go back to my home country and fix some of my personal problems. I was planning to go back to work again in any GCC countries except the UAE because I want to first clear my loan from there and head back soon. Is it possible I’ll get arrested in other GCC countries because of my loan in the UAE? I got a job offer and I want to settle that loan ASAP. Please advice!

The UAE travel ban may be imposed on a person on various grounds, for instance, as the result of criminal offences, unpaid loans, breach of immigration laws or family matters. Implications of such a ban can be financially severe and daunting for the affected person. This article aims to give readers a clear understanding of what is the UAE travel ban, what are the grounds and procedures for its imposition and removal, how to check if the person is banned from travelling and other related topics.

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.

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 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.