Q: I already paid fines to police for my 32,000 credit card original amount, and now still increasing interest. They're still calling me, my friends and the company that I work today. What will I do to stop them from calling and disturbing me? Please give advice. Thank you.

Q: Hi. I have a case filed against me by the bank last month end for failing to pay 2 EMIs. I have been unemployed since April 2017 and have managed to pay my EMIs from the settlement I received from my previous company and some other EMIs by borrowing money from friends and families. I have not been able to find suitable employment during this time and I have AED 52,000 to pay the bank (the original amount being AED 254,000). The cheque bounced by the bank is for an amount of AED 77,100.00. My overdue EMI is AED 9,800, while my outstanding is AED 52,000. The 4-year loan will finish tenure by July 2019. Before the case was registered by the bank, I had emailed them (also spoke with their rep) to give me a loan deferment, however, they chose not to respond. Please advise on the next possible actions. I still have not received any calls from any legal authorities. Will I have to face jail term or deportation?

Q: Dear Mr Ibrahim, I have a dispute with my mortgage bank. They have been overcharging me, I am sure of it. It is Islamic finance and after 11 years of paying a total of AED 1.2M, my principal has only reduced by 100,000 dirhams. I have asked them for all my statements and calculations but they do not respond. I am applying for Canadian PR. I am concerned they will bounce my security cheque to put pressure on me and then I will not get PCC. Can we approach the court to let them know this is a dispute and remove the bounced cheque from records as I wish to settle with the bank but they do not respond? Thanks