Q: Hi Sir Hope everything is well. I just want to know information with regards to civil cases related to defaulting on a loan. How is likely a bank to file a civil case with a minimal amount, let's say AED 50,000? In case the bank has filed a civil case against an individual, normally how long (months or years) would it take to reach the final judgement? Is a travel ban attached automatically? Will your visa status be affected? Another question, what is the right of a debtor to abusive debt collectors? Can a debtor sue a collector sharing information about your debts to third parties like to workplace, friends and family members? Thank you

Q: Dear Ma'am, I have an outstanding loan (amount: 25k) for a bank but unfortunately, I have lost my job last April 2019, but now I want to settle it. So what is the minimum amount I should pay to avoid any future consequences? Thank you! Best Regards, R.

س: السلام عليكم، كانت لدي قضية شيك ضمان بنكي لقرض، وعُقدت جلسة جزائية وتم الحكم بغرامة 2000 درهم وحاليًا يتواصل البنك معي كي أوقع شيك جديد أو يرفع دعوى مدنية وقد أخبرتهم أن قدرتي أن أدفع 1000 درهم شهريًا. مع العلم أن قيمة القسط الأصلي 5000. ماذا أفعل في هذه الحالة؟ وما أسوأ شيء قد يحدث؟

The UAE travel ban may be imposed on a person on various grounds, for instance, as the result of criminal offences, unpaid loans, breach of immigration laws or family matters. Implications of such a ban can be financially severe and daunting for the affected person. This article aims to give readers a clear understanding of what is the UAE travel ban, what are the grounds and procedures for its imposition and removal, how to check if the person is banned from travelling and other related topics.

This Law promulgates the Federal Penal Code (Criminal Law) of the United Arab Emirates. Crimes and chastisement punishments shall be determined in accordance with the provisions of this Law and other penal codes.

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.