Q: I left the UAE in 2016 with unpaid loans and credit cards of around AED 100,000. I'm now in a position where I want to settle these loans so I can come back to Dubai. I'm looking for a firm that can negotiate a settlement plan with the banks on my behalf.

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: I have four credit cards which I am using last 5- 6 years. My financial situation has currently changed dramatically, and I am not in a position to repay the minimum payments. Until the last month, all the payments were accurate. All four credit cards entitle to use AED 100,000. As per my knowledge, the bank will file a case against me and I would like to know what actions can I take to avoid prison. In addition, I think I need a lawyer so that he can take care of my documents and release me if they will catch me. Could you please tell me what will the next step be? How can I get a court decision in my favor and obtain a police clearance certificate after all this? Thanks.

س: شكراً لردك. أود الاشارة أن قيمة البطاقة الائتمانية 120 ألف والبنك يريد مع الفوائد 170 ألف، وشيك الضمان 100 ألف فقط. في حال دفع شيك الضمان 100 ألف، هل يحق للبنك مطالبتي بالباقي؟ وكيف يطالبني إذا كان الشيك قد تم دفعه؟

Q: Sir, I would like to ask how will I be able to check for the details if I have a police case? Are they going to put me in jail immediately or there will be procedures? How much do you charge for any legal services?

Q: I am a defaulter on a bank loan in the UAE. Now, I am requesting the bank for settlement but still no reply from their side, can you guide me on this? What I have to do now? I am offering them but they're still emailing me about a legal case. Any solution to this?

س: السلام عليكم أخي خليفة، لدي استفسار بشأن مبلغ مستحق للبنك حوالي ١٥٠٠٠. قسم التسوية والتحصيل أبلغني أنهم فتحوا بلاغ في الشرطة والحين لا أستطيع السداد. هل يصدر ضدي منع من السفر في حالة عدم التسوية؟

Q: There are outstanding cases for unpaid debt in the UAE against me. Is it possible to visit the UAE with a different citizenship and first name while the cases are still pending to be resolved?

Q: Dear sir/madam, I was told at immigration upon entering the country that I have a police case with a fine of AED 5000. I went to the police and was told to go to Dubai court as there is a fine. I am asking where should I pay the fine; at court or public prosecution? It is a bank fine for sure.

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.