Q: I was living in Dubai in 2013, left with only one bill from a credit card for 30,000 Dirhams. I got a call after 8 years today to pay the bill. Can you please advise what is the best way to handle this? Now I live in the US.

Q: Hi, My name is M., and I want to settle my credit card. I am in bad credit, what is the way?

Q: Hello. I owe a bank here in the UAE a credit card debt amount. Due to circumstances (losing my main source of income, having other financial burdens, including monthly medical bills for cancer treatment & medications etc., and  I don't have health insurance), I haven't been able to pay back on time since over a year ago. Hence, that amount has since accumulated from a small figure to a relatively big one (currently at around AED 70,000). I have received an email recently from some "credit collection" agency, saying that if I don't pay back next month, they'll put a travel ban on me and file a civil case. However, it is impossible for me to pay this amount at this time. I am currently making "some" income (not as close as I used to before, but still), and have the intention to resolve this issue. Is there any way to reach a settlement with the bank (maybe to waive part of the amount or the interest), break down the monthly installments to smaller amounts, or any other solution you would suggest? Many thanks.

Q: Good evening Sir. I took a loan in 2017, the amount is AED 60 000. After 1 year, I lost my job and I couldn't find a job. I left the UAE. In 2019, I returned back to the UAE. In Dubai airport, they held me for 1 hour and they told me to pay a fine. I paid AED 5000. In 2020 I left the UAE again. Now I found a job and I'm planning to go to the UAE again but I am afraid that at the airport it will be a problem again. Can the Bank file a case for the second time? Or is there any criminal case or civil case?

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.

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.