Q: Greeting! My name is Fazil Hussain, I was working in the UAE for past 5 years, I have a personal loan of 80,000 from ADCB Bank in Dubai. I never missed a single EMI to the bank and had good records. But I lost my job, so had to come back to India. I wanted to go back to Dubai and search for a job but the bank said they have blocked my visa and I cannot get a job there. I replied to the bank by email that if they block my visa then how can I find a job in Dubai and how should I pay my outstanding balance on the personal loan. I can pay my loan only if I get a job in the UAE... Please help me with your advice, I can pay the outstanding only if I work in GCC. I can't afford to pay from India. I want to pay my outstanding and clear it. Can the bank give me NOC to work in Dubai and pay their loan? And I want to know, is it possible if I go to Saudi Arabia and do a job and pay my installments to the bank in the UAE?

Q: I was working in Abu Dhabi. I have a personal loan amount of 82000 and 20000 of a pending credit card bill. I lost my job due to the current COVID pandemic. When I came to India for my annual vacation, my employer terminated me and canceled my visa. I was not able to come back. Even tourist visa possibilities were less. As everyone in India aware that this job loss and paying back the debt of a UAE bank is very tough. I am ready to pay some small percentage of the amount to the bank as a settlement. Is it possible?

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: 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?

Q: I left Dubai and came back to the UK following the loss of my Mom. I then did not return to the UAE as my company terminated my contract (did not cancel my visa). However, I had a loan and a credit card which as yet I have not been able to repay. Despite contact with the bank, no agreement has been reached, and no claim has been made against me to the court. Can I transit through any other GCC country if I have unpaid debts in the UAE? Thanks

Q: I found out that I have a cheque execution case in Dubai court. I was even surprised because I haven't received any message from Dubai Police, there's no case that's been filed under my name. Due to the pandemic, I lost my job and came back to my home country. I used to work in a bank, I had CC and a personal loan. Last year, the amount that I need to pay to them was AED 60k including the interest. And now with the case, they're demanding I pay 138k. I'm scared to go to jail especially since I have 4 kids, and a father who will go for another heart operation. What do I do? Is there any way I can reduce the amount? I went to Dubai Courts to seek some help but she told me that they can't do anything and that I need to pay the full amount.

Q:   I have a credit card issue of around 16000 and for the last two months, I am jobless. I didn't pay the credit card monthly bill.       After the bank employee guided me, I paid 1650 two times and have a fine now. My visa grace period is finished.       Can I exit the country if I have any travel ban?    

س: هل الأفضل التفاوض على تسوية القرض قبل مغادرة الإمارت أم بعد سفري لكندا؟ وهل يمكن أن يقبل البنك تمديد فترة السداد من ٤٨ شهرًا إلى ٩٦ شهرًا؟

Q: Dear Sir/Madam, I worked in the UAE, and unfortunate events occurred. I went back home without submitting a proper resignation and didn't have a chance to pay back my credit card since 2011. I applied for work in Saudi Arabia and found out that I'm blacklisted or have a travel ban anywhere in the Middle East. Can I work in any other country besides the Middle East?

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.

An interview-format article covering the topic of employment issues and laws during COVID-19 in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.

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.