Q: I left the UAE in 2016 with unpaid loans and credit cards of around AED 100,000. I'm now in a position where I want to settle these loans so I can come back to Dubai. I'm looking for a firm that can negotiate a settlement plan with the banks on my behalf.

Q: I have a police case for a bounced cheque last year March 17. It was against a loan which I drew but later I changed my job. I left the UAE and came back, but before I can do something the bank felt insecurity and immediately they submitted my security cheque to the police station and put a case on me. The same day, I paid the fine and came out. Later, I joined a new company and provided the necessary documents and new security cheque. My account was then regularised (After resigning from the previous company my account was frozen) and since then everything is fine. Now, I want to settle my loan in full. I already mobilised funds needed. I want to know asap if I settle the loan in full, how the travel ban or police case will be removed? Will the bank do everything and give me a clearance letter?

Q: Dear Sir, Hope this mail finds you well. I left Dubai in 2016 due to my serious health issues, having a loan of AED 100000 and a few credit cards also. Now, I would like a settlement. Please let me know the process and total fee for my case if I hire a lawyer. Thank you Nitin India

Q: Hello, Can someone tell me what a travel ban is connected to? Is it your passport number? I understand I have an open case in Dubai for a loan (that's actually paid now) and I'm now outside the UAE, so have no Emirates ID card or number. If I attempted to get back in the country whilst that case is still open, would I be pulled up on my passport number? What if the passport number they have on record is expired and you have a new number, can that case still be connected to you? If I knew it was safe I would be happy to return and go to the police station myself to close it. I have the details from the bank.

Q: Hello Is it customary that during the settlement of a personal loan, the bank asks you to sign a blank cheque? I am no longer a UAE resident. The bank filed a civil case and went through direct execution. Now that we are in settlement talk, they want a down payment and ask me to sign a blank cheque in case I default on the settlement agreement. Previously, they made me sign a blank cheque and made me believe it was necessary in order to restructure the loan, but it was not their true intent. The question is should I sign again a blank cheque as part of the settlement agreement?

The provisions of this Decree by Law amend the Federal Law No. (18) of 1993 by replacing Clause (4) of Article (379) as well as Articles (600), (617), (641), (642), (643), (644), and adding new articles numbered (635) Bis, (641) Bis (1), (641) Bis (2), (641) Bis (3), (641) Bis (4), (643) Bis (1), (643) Bis (2), (644) Bis (1) and (644) Bis (2). The Decree-Law also repeals Articles (401), (402) and (403) of the Federal Law No. (3) of 1987.