Q: I left the KSA 10 years ago with SAR 20,000 for unpaid credit card debt. Has the bank issued a criminal charge against me?

Q: I worked in the KSA from 2014 to 2016. I was paying a loan. I had been forced to leave for no reason. They (the collection agency) did admit that: "...we believe that your purpose was not to defraud the bank & your intentions are to repay back your liabilities but due to unavoidable circumstances, the account remained unpaid, considering your present status, we will try our level best to work out the best payment plan for mutual benefits. The bank shall be constrained to proceed with necessary actions to protect the legitimate interests of the Bank. If the same is not been honoured." I plan to go back to the KSA as an offer is being processed. A friend has checked my name through the system and there was NO red flag or claim against my name. I am going back regardless of the outcome because I committed no act of crime or defrauding. I've tried to offer them a plan to pay back when I arrive in the kingdom but they always seem to ignore it and just want me to pay back on a "one-time" payment.

Q: If there is a contract between the bank and the company to receive the end of service but the company cancels the end of service, how does the bank recover the money for the loan?

Q: One of the car companies is filing a case against me regarding the pulling of my car due to not paying my monthly payment, but I was on vacation at that time. When I came back here to Saudi Arabia, I found my car was pulled by the company and I was searching everywhere. Then I found my car in SNB and they said I need to pay SAR 10,192. But before that, I already have money to pay my 3 months' credit and they refuse to accept it. Instead, they want me to pay the last payment of SAR 10192. Now they filed a case against me and I didn't get money to my account. What will I do? The bank said I will get only 35% of my salary which is unfair. Please help me.