Questions & Answers
Questions & Answers
4 available 4 • View allNegotiations with the bank
6
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?

Nov 25, 2016
6352
Loan repayment to avoid legal action in home country
2
Q: My friend left the UAE for family emergency reasons and had a loan debt remaining to the bank.
He continued to pay the instalments for the next 3-4 months but could no longer because he did not have full-time employment. He kept in contact with the bank and let them know his situation.
He only has part-time work while looking for full time and offered to make small payments to show good faith until he is able to secure full-time work.
Now the loan is with a collection agency which is requesting a large sum or they will pursue legal action in the US against him.
He wants to pay but due to his situation, he is unable to at this moment. They refused his smaller amount of payment offer.
He does not plan on travelling back to Abu Dhabi. The question is, he is trying to pay but they will not accept that amount.
Why will they not take the amount offered since he is communicating and wants to pay? What can they do to him in the US?
How will that help them get their money back?

Feb 28, 2019
1238
Debt consolidation loan to cover many debts in the UAE
5
Q: Hi
I had taken a loan from banks and some credit card debts need to be paid.
If I take this debt consolidation and settlement plan, will it be covering all my debts?
Thanks & regards

Dec 17, 2018
2667
How can I reach a loan settlement with the bank on relaxed payments instead of one-time payment?




0
Q: I lost my job during the pandemic and had to leave the UAE. After one and a half years, when I returned to the UAE, the bank's collection department had filed a case against me. My original loan amount was only 91,000 AED, but with profit, it increased to 134,000 AED.
I have been paying regularly, and now I have only 59,000 AED left. I asked the collection department to offer me a reasonable repayment solution, suggesting a settlement of between 20,000 and 25,000 AED. However, they demanded a one-time payment of 50,000 AED, which I cannot afford due to a lack of funds.
Now, they are threatening to file another case against me with a travel ban. I would like to know if the collection department can file a case against me and if the judge would help provide a reasonable payment solution.
I have repeatedly asked the bank for a more reasonable settlement amount, but they refused and insisted on filing the case.





+2
Mar 3, 2025
89
Laws & Regulations
1 available 1 • View allFederal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates 96
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.
Dec 15, 1985
148520

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Cleaner's resignation with 30-day notice in incomplete contract 7
Hello,
Good afternoon!
My friend works as a cleaner for a cleaning company and she now wants to resign with a 30-day notice. However, she has not completed the two-year contract and has only served for 16 months.
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السلام عليكم،
نحن شركة ذات مسؤولية محدودة ولدينا كفيل إماراتي صوري، ولكن بالرخصة التجارية هو شريك. هذا الكفيل صاحب أخلاق عالية ولا خوف منه ويعرف نفسه بأنه ليس بشريك فعلي.
السؤال: إذا، لا سمح الله، توفي فقد نخوض مشاكل قانونية مع عائلته، فما الحل القانوني الذي يمكن أن ننجزه معه الآن ضمانًا لحقوقنا مستقبلاً؟
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العميل سدد المبالغ التي استخدمها ورفض دفع مبالغ الفائدة البنكية. هل يجوز ذلك؟ 2
السلام عليكم،
هل يحق للبنك في إمارة دبي أن يرفع دعوى جنائية أو مدنية ضد عميل لم يسدد مبالغ الفائدة بل سدد فقط المبالغ التي قدمها البنك أصليًا (مبلغ القرض فقط)؟
منحه البنك بطاقة ائتمانية بحجة أنه "قرض حسن بدون فوائد"، وبعدما استخدم العميل البطاقة الائتمانية بفترة زمنية قصيرة وفجأةً تم إرسال رسالة إلى العميل تفيد بأن هناك مبالغ متراكمة بسبب الفائدة البنكية بقيمة ٤٠٪ من القرض الأساس المُقدم إليه.
علمًا بأنه تم تزويد العميل بالبطاقة الائتمانية عن طريق البريد السريع لعنوان منزله بدون طلب رسمي من العميل بذلك، بالإضافة إلى أنه لا يوجد أي من المستندات التالية بين البنك والعميل:
١- عقد. ٢- اتفاقية. ٣- شيكات كضمان. ٤- سند أو شريعة أو قبول خطي أو غير خطي أو توثيق يتضمن أي توقيع من الأطراف؛ بمعنى آخر، لا يوجد أي اتفاق على الإطلاق.
العميل سدد المبالغ التي استخدمها ورفض دفع مبالغ الفائدة البنكية المضافة سالفة الذكر.
الرجاء الإفادة ولكم جزيل الشكر!
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