Q: Hi Lawyers, I have outstanding dues on my personal loan and the bank filed a case on that. I am trying to get a settlement through the debt collection agency. They asked me to sign a financial letter for that, along with it, they need all my documents. Is this mandatory? Is there any issue in signing the financial letter? Is there any issue if I could not make the payment on the mentioned date? Please advise.

Q: Hello, I had a car loan from a bank. The bank impounded it over 2 years ago. I tried to resolve it with the bank but I couldn't. The bank sold the car, and I have never heard from them ever again. Now, a debt collection agency is calling me since December 2019 on behalf of the bank, claiming that I have to settle. The agents are RUDE and abusive; they call me a loser who can't pay bills. I told them that I WILL NOT pay, have the bank return the car and I'll be happy to deal with them or please proceed to file a case; I would rather deal with the court than the debt collection agency. They refused to listen to me and kept calling, harassing everyone in my office. They even called my mother and yelled. How do I deal with this? I do NOT want to pay a single cent to this agency. I want to deal with this situation in court. What's your best advice on handling this and how can I report this kind of abuse? Thank You!

Q: Hi, Can I file a complaint against a debt collecting agent for harassing me to collect my debts for a bank in UAE? They have been calling me and I responded to their calls and during my off, they tried to reach me but I could not respond to them due to personal reasons. They called my parents back home and threatened me saying they will call my boss and sent me a voice text saying "I will make you suffer". They are using abusive and unprofessional languag like "I am criminal" and "liar" and asking me "Am I a human even?".

Q: Hi, I took a loan from a bank in the UAE in 2014 for an amount of 22,000 AED, but I have to pay 33,000 AED. I paid almost 23,000 AED to the bank, but I lost my job in 2016 and was unable to pay the remaining loan amount. The bank filed a police case against me, which I cleared by paying a fine of around 2,200 AED. Since then, the bank has not contacted me in the last 4-5 years, even though I have told them that I already cleared the police case and do not have the money to pay the remaining loan amount. Yesterday, I received a call from my home country, Pakistan, and someone told me that I must pay the bank loan at any cost in the UAE, otherwise, I will face serious consequences. My question is, since I am still in the UAE, can any agency or department from my country call me or force me to pay the amount? Can they take any action against me? Please give your valuable comments. Thanks!

Q: Dear Lawyers, I'm seeking your valuable advice as per the UAE Law for the below inquiry. One of my close friends had taken a personal loan of AED 250k in the UAE and was paying EMI amounts regularly. Later, he was terminated by his company due to some issues and returned to his home country. A debt collection agency contacts him every day and gives more threats even though he has agreed to pay back the amounts after getting a new job. It has been 1 year and until now he did not get any good job and is unable to pay back the amount. However, the debt collection agency contacts him every day at least 3 times and threatens him with a criminal case against him, and that they will send him to jail and many more things. Now the inquiry is generally, if anyone is unable to pay back the outstanding EMI loan amount due to job loss, can the debt collection agency file a case against him or an arrest warrant, etc in their home country? Can we make a case against the debt collection agency for their outrageous behavior?

With the introduction of the new procedures for obtaining a power of attorney (POA) remotely in the UAE, after it was mandatory to appear in person in front of the notary public as a global rule to ensure the identity and intention of the person requesting a POA, we put between your hands this brief guide for how you get it done.

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.