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 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: Hello. I owe a bank here in the UAE a credit card debt amount. Due to circumstances (losing my main source of income, having other financial burdens, including monthly medical bills for cancer treatment & medications etc., and  I don't have health insurance), I haven't been able to pay back on time since over a year ago. Hence, that amount has since accumulated from a small figure to a relatively big one (currently at around AED 70,000). I have received an email recently from some "credit collection" agency, saying that if I don't pay back next month, they'll put a travel ban on me and file a civil case. However, it is impossible for me to pay this amount at this time. I am currently making "some" income (not as close as I used to before, but still), and have the intention to resolve this issue. Is there any way to reach a settlement with the bank (maybe to waive part of the amount or the interest), break down the monthly installments to smaller amounts, or any other solution you would suggest? Many thanks.

Q: I have missed my credit card payment by 15 days and I have confirmed back I will make the payment by 29th of this month. Meanwhile, I am planning to travel to India the coming month but I want to know if there will be any travel ban for me to go out of the UAE on my vacation due to the delay in payment.

Q: I have four credit cards. ADCB-2 HSBC-1 and FGB-1 and a loan. ADCB credit card and loan, I'm paying without any delay, but HSBC & FGB I paid last month after collection dept. calls. My question is, next month I'm going on a vacation. Will someone stops me at the airport immigration? Please, I need your advice.

Q: Sir, I have 2 credit cards. The payment is pending for the last 4 months. One card limit is 3000 and the other card limit is 8000. Can the bank put a travel ban against me?

س: السلام عليكم في قضايا التنفيذ لصالح البنوك، هل يستطيع المنفذ ضده طلب تقسيط المبلغ؟ وهل يتم هذا عن طريق قاضي التنفيذ؟ وهل يستطيع القضاء إجبار البنوك على قبول التقسيط؟ شكراً

Q: Dear Sir/Madam, I had a credit card debt of AED 18,000 in Dubai. I left the UAE in 2019 with an outstanding balance due to my financial situation. I have since negotiated a settlement and made payment. I have received a settlement letter and a letter from the bank requesting the police to release the case. My question is, can I now apply for a visit visa? Has my travel ban been lifted? Thank you!

An interview-format article covering the topic of the travel ban and reasons leading to it 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.