Q: I was working for Etihad Airways as cabin crew. I got fired last March so I couldn't pay my loan to the bank. I tried to find a job but I was not lucky. However, when I came back home, a hotel in Dubai sent me an offer letter. But the bank sent me a notice about legal action. If I don't pay the last 4 months I will be facing a big problem with the court. What should I do? Please advise.

Q: Good Day! I am seeking help regarding a police case against me. I have been in custody of Khalifa City police station for 2 days due to the police case against non-payment filed by National Bank of Abu Dhabi (NBAD). I took a car loan from NBAD in January 2016 and was paying monthly the total amount due. However, during my employment with the previous employer last year I have been in a financial crisis due to eight months without salary, and till now I have not received yet my final settlements from them because the case is still in Labor Department. I had 2 months' non-payment, however, after getting a new job I am consistently paying the monthly payment leaving the 2 months unpaid, and promised NBAD to pay them once I get my final settlements. Further, they did not inform me of the legal case, and the car is still under their name. How come they file a case against me? Moreover, the police case is dated 22nd of July 2018 and my due date of payment is 30th of July. Please, I am looking forward to your kind advice.

Q: Is a bank obligated by law or financial regulation to provide a payment plan for a credit card loan if the monthly instalments are too high?If the answer is no, what can I do to avoid legal action and only pay half the instalment which is what I can afford? 

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.

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.