Q: Hi, Can I file a complaint for being harassed to collect my debts to a bank here in Dubai? They've been calling me in my landline office and they've been calling my boss as well at work. Can you help me? Thanks, W.M.

Q: I have an unpaid credit card in the UAE. I no longer live in the UAE. However, I am trying to make payments as best I can. ENBD has referred the account to a collection agency, who is, of course, threatening with civil action and a "lifetime" GCC travel ban. In the next few months, I will be able to clear up the account but I need some time after being unemployed since leaving the UAE 12 months ago. If this goes to the civil court, is it best to hire a lawyer to deal with this since I am not in the UAE?

Q: Hi I have a credit card from a finance company and I have an outstanding of 10k. I am paying every month on time but from the month of March 2022, the collection department is calling me and being rude to me. But finally now, before the due date, they messaged me on WhatsApp in a very bad way. The message is like this: "Dear customer, Tomorrow morning your payment has to reflect in the system. We will not entertain any objection to late payment." And I do my payment on time but what's this type of messages they are sending me. What should I do with them for this kind of unprofessional and rude type of harassment?

Q: Do I have the grounds for filing a legal action? I just got a sales call from a trading company and I kept repeating over and over to the sales agent that I am not into trading at all with zero chances of me doing it. So she replied saying "and do you think that everyone else is like you dumb and stupid?" before hanging up the line in my face. I don't have a call record but I assume they would have these recorded somewhere and I have the landline she called from which I googled and turned out to be registered under the trading company name. How can I take legal action against her?

Q: Dear Sir/Madam, I am a UAE ex-pat. I have a debt from a bank and their collection agency is trying to chase me. I am unable to pay back because of my financial issues. Now they are trying to defame me in my existing company and looping my employer in the emails to humiliate and defame me. Are they legally allowed to do so?

Q: Dear Sir/Madam, I was delayed in my payment to a personal loan platform and asked them if I could pay on the next salary date. They ignored my message and now call me nonstop, even at work. They use different numbers to harass me, sending rude WhatsApp messages calling me a scammer and threatening to call my employer and family to get me deported. They also pretend to be from the Credit Bureau to squeeze money out of me, even though I don't have any. They also called my sister and friend to embarrass me. They are so rude, the rudest debt collectors I've ever encountered.

Q: Dear Sir/Madam, There's a guy who scammed me out of 150k AED with false documents. There's already a criminal case ongoing against him; however, I wasn't aware of it at the time of the dealing. Every time I tried to sort things out with him, he made me wait for hours and didn't show up. In short, he gave me false hopes, and now he's been completely out of touch for 4 months. When we were finally able to contact him, my wife sent him abusive messages out of frustration because he was spreading lies about us. Now, with all the evidence I have, I want to file a civil case against him. Could the abusive messages my wife sent backfire in any way? I have all the documents he gave, along with some voice notes where he clearly states that he scammed us with false documents. But this guy is very shrewd. He verbally abused me and my wife in person but I don't have proof of it.

Q: Hello, I would like to know how to file a complaint against an airline company, as one of their customer service agents used the F word during a call (whispering). This is alarming, and I want to proceed with filing a complaint.

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.