Q: Greeting! My name is Fazil Hussain, I was working in the UAE for past 5 years, I have a personal loan of 80,000 from ADCB Bank in Dubai. I never missed a single EMI to the bank and had good records. But I lost my job, so had to come back to India. I wanted to go back to Dubai and search for a job but the bank said they have blocked my visa and I cannot get a job there. I replied to the bank by email that if they block my visa then how can I find a job in Dubai and how should I pay my outstanding balance on the personal loan. I can pay my loan only if I get a job in the UAE... Please help me with your advice, I can pay the outstanding only if I work in GCC. I can't afford to pay from India. I want to pay my outstanding and clear it. Can the bank give me NOC to work in Dubai and pay their loan? And I want to know, is it possible if I go to Saudi Arabia and do a job and pay my installments to the bank in the UAE?

Q: Ms. Nikhat, I'm in India. Please advise on an ongoing issue with me for the last 2 years and for no reason, or you can say suffering without fault. I have issued cheques in a settlement for my cousin regarding his civil case. It was a claim of 2.2 Million with dividing the amount into 12 cheques of 20k each, and rest of the amount of AED 1.7 Million approximately in 13 months. Where it was clearly written in the agreement that as soon my cousin got his chequebook from the bank, all my cheques get replaced with the new one. As it took 2 months to get the new chequebook because of cousin's visa expiry, the other lawyer refused to replace my cheques and said if you want to replace they will keep my cheques as a guarantee. So we could not replace them with new cheques. He put my cheque into the bank and I left the country in August 2016. I'm still out and only my cousin is there in the UAE arranging the fund without any success. I lost my 12 years of Dubai experience and doing nothing. I don't know if I will face any issue in immigration for Qatar.

س: السلام عليكم، شكرا" لكم لإتاحة الفرصة للاستفسارات. كنت مقيم فى قطر لمدة خمس سنوات اقترضت خلالها مبلغ كبير من بنك له فروع هنا فى الإمارات وبلدي الأصلي، وكنت منتظماً فى السداد لمدة أربع أعوام ثم فقدت وظيفتى وتعثرت عن السداد منذ ديسمبر الماضى. أنا أنوي السداد لكن البنك بدأ يهدني بتقديم أوراقي للسلطات هنا فى دبي وفى بلدي ويهدد بتدخل الإنتربول. فهل يستطيع البنك فعلاً تقديم شكوى ضدي هنا فى الإمارات علماً بأن القرض كان فى قطر؟ وما هى عقوبة السجن لا قدر الله إذا لم أحصل على وظيفه قبل تقديم شكوى إذا كان المبلغ المتبقى 188 ألف درهم؟