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: Hi, I lost my job a year ago and I have an outstanding credit card of AED 300k. I've missed the last 9 monthly payments (I am negotiating directly with the bank). I am willing to settle the credit card with one lump sum payment that a friend will lend me. How much discount on the balance of AED 300k can I negotiate to settle the matter? Should I also ask for a clearance/ no liability letter?

Q: Hi! I want to know where I must go to check police case/s filed against me by the banks and where and how will I pay the fine.

Q: Dear Sir, Hope this mail finds you well. I left Dubai in 2016 due to my serious health issues, having a loan of AED 100000 and a few credit cards also. Now, I would like a settlement. Please let me know the process and total fee for my case if I hire a lawyer. Thank you Nitin India

Q: I have some cases pending against me for a bank loan and a bounced cheque in 2010, 2011 & 2012 respectively. I have the case numbers but wanted to clarify the costs and time frames associated with getting these paid and my name cleared from the judicial and CID system?

Q: Hi, I have taken a loan from the bank worth AED 450000. I lost my job in 2016 and was unable to pay the instalments, then left Dubai. Bank people never contacted me and I left as I was unable to pay the monthly instalments. Now I am in India. I have got another job in Dubai and I am very keen on joining it. I contacted the bank through email asking their help to sort this, they asked me to call the call centre. When I called the call centre no one was able to help me, they just said "we will get back to you", but no reply yet. For 1 month, they are not able to help me. Now, I have to join my new job in Dubai asap, and unable to understand what to do. I am ready to pay half amount now and remaining half in instalments on monthly basis. But I don't know whom to contact and how to get this sorted. PS: I don't have any friend in Dubai who is ready to help me and go and negotiate with the bank on my behalf. I am just trying to call and sort on my own. Please help and guide me.

Q: Hi Sir, I have a personal loan from a bank with an amount of AED 100,000/-. Due to my health issues and family issues, I left the UAE and now in my home country. I don't have much money left with me as I had so much family issues where I spent the money, and now I do not have enough money to pay back the loan. I want to come back to the UAE. Is there any way to solve the issue?

Q: I am a British man who lived in Dubai for 13 years and had a successful career in senior director roles. However, in Jan, I was made redundant from my last job and at the same time, my divorce was finalized at the Dubai Courts. My ex-wife was awarded a large sum, back payments from when divorce was filed in 2016, monthly maintenance for our child...etc. As I was unable to pay this in one sum, my ex-wife court ordered all my money and blocked me from leaving Dubai. As I was redundant, I was unable to cancel work visa and get a new job. With no monies and no way to pay my liabilities for the bank loan and credit cards, I was stranded. In July, we settled and my travel ban was lifted before the banks moved in. I now have an opportunity to return to Dubai but I need to negotiate with the financial institutions and other parties to ensure safe passage back. I need legal advice on how to do this, what steps need to be taken and I need payment plans to be set after starting a new role.

Q: I have an outstanding balance remaining on one credit card in the UAE. Due to visa issues, I had to leave the UAE but I need to settle the card with a one-time settlement. My actual outstanding is around 14000, but due to interests and charges, the amount has gone up to 50000.

س: السلام عليكم. غادرت دولة الإمارات العربية بعد انتهاء إقامتي منذ أكثر من ٥ أعوام. وبقي في ذمتي مديونية (قرض شخصي) لبنك دبي الإسلامي تبلغ حوالي ٨٠ ألف + بطاقة ائتمانية (كريدت كارد) بحوالي ١٠ آلاف دهم. توقفت عن الدفع الشهري بحكم انتهاء إقامة العمل ومغادرتي الدولة ولم أستطع أن أسدد أي شيء من القرض. الآن أريد أن أصل إلى تسوية مع البنك أستطيع بموجبها أن أعود في يوم ما إلى دولة الأمارات بدون أي مشكلة. آرجو المساعدة. هل هناك قضية في حقي؟ ما نوع القضية، وكيف أعرف؟ هل أستطيع أن أصل إلى تسوية معقولة مع البنك، ننهي بموجبها القضية؟ شكراً ولكم فائق الاحترام. أ. د.

Q: I am negotiating a personal loan settlement with a bank in the UAE. What kind of document is legally required to prove the settlement agreement?

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.