Q: Good afternoon Sir/Madam. I want to ask how I know if I am on the blacklist in Saudi Arabia. I'm from philipine. Thank you.

س: مساء الخير يطالبني البنك الأهلي بمبلغ 130 ألف متأخرات عن 10 أشهر، ويهددني بإيقاف الخدمات. ما الحل؟

س: سلام عليكم، لدي استشارة بخصوص صدور قرار منع من السفر ثم صدور قرار ٤٦ بموجب سند أمر لمديونية. لدي قضيتين: ١- التعثُّر في سداد جزء من قرض إذ سُدِّد جزء من القرض ولكن انخفض راتبي بعد ابتعاثي. ٢- مديونية لدى شركة تقسيط جوال أي فون ولم أُسدد أي قسط. صدر ضدي القرار المذكور بالأعلى. وفق أي قضية صدر قرار منع السفر؟ الأولى أم الثانية وما الطريقة التي أستطيع من خلالها حل مشكلة منع السفر؟

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?

س: حالياً جاءني عقد عمل بالمملكة وكان عندي إبعاد قضائي من الإمارات عام 2007. هل أستطيع القدوم للمملكة والعمل والإاقامة بها؟

Q: I left Saudi with a personal loan of SAR 250,000 from a bank. Due to COVID, I couldn't return. That was in 2020. In 2021, the company had laid me off. How to check if there is a travel ban in Saudi and GCC?