Q: Is a bank obligated by law or financial regulation to provide a payment plan for a credit card loan if the monthly instalments are too high?If the answer is no, what can I do to avoid legal action and only pay half the instalment which is what I can afford? 

Q: An NRI man claimed that he was divorced and approached me and I'm a divorcee too. When he came down I came to know that he did not get his divorce when I questioned him. He forced for sex, infact raped, video taped it and threatened that would kill my son if i dont agree. Later I had to agree and then he married me and always threatened. Meanwhile during this time I also came to know that he had affairs with many women and cheated a few too. Currently he has affair with his colleague in his office. His sister and brother in law too initially lied that he was a divorcee and later whenever I went to their house they harrased me both physically and abused me badly. I don't have any support or anyone to save me. I'm scared that he would release the video which he took without my knowledge when he had sex with me and kill my son. He ran away to Dubai. I need justice. How can I get justice. He is in Dubai and works for Art Marine LLC. He lived with me in Dubai for 2 months and threatened me not to tell out.

Q: I need guidance regarding a civil case against my brother for issuing a cheque of AED 270000 having no sufficient amount in his account. The other person made some trade deal for selling precious stones to my brother and he took advance cheques from my brother and advance signatures on the invoice, LPO and delivery note. My brother trusted him but later he did not deliver anything to him and rather started blackmailing my brother to give the money otherwise he will make a civil case against him. My brother refused to pay any amount for the deal he never received, which resulted in making proper legal documents by the opposite party against my brother through a lawyer and made a civil case against my brother in Sharjah. Now, my brother is in Sharjah central jail since Jan 2017. Every month, he appears in the court and the judge asks him to pay money but he refuses every time & requests to call the opposite party to the court. However, neither he nor his lawyer appeared the last 10 months in court. I need guidance.

Q: Hello, I had a car loan from a bank. The bank impounded it over 2 years ago. I tried to resolve it with the bank but I couldn't. The bank sold the car, and I have never heard from them ever again. Now, a debt collection agency is calling me since December 2019 on behalf of the bank, claiming that I have to settle. The agents are RUDE and abusive; they call me a loser who can't pay bills. I told them that I WILL NOT pay, have the bank return the car and I'll be happy to deal with them or please proceed to file a case; I would rather deal with the court than the debt collection agency. They refused to listen to me and kept calling, harassing everyone in my office. They even called my mother and yelled. How do I deal with this? I do NOT want to pay a single cent to this agency. I want to deal with this situation in court. What's your best advice on handling this and how can I report this kind of abuse? Thank You!

Q: Dear Sir/Madam, I lost my job in 2018, and in 2019, the bank opened a criminal case against me for defaulting on my loan. I attended the hearing with a judge and was told to pay a fine of AED 7,000, which I did. The bank was then taken over by another bank in 2020/2021. In late 2022, the new bank that took over is calling me to clear my loan, but I never signed anything with them, and my case was before the takeover. Am I still entitled to pay the new bank?

The management of individual financial affairs is crucial and all the actions must be weighed down while committing to any financial liability. Whether it's job loss that may have lead to financial failure or the opposite, one must be aware of the personal liability which will not diminish by paying fines for cheque bounce cases. There are two major types of liabilities, criminal liability and civil liability. Each has its own significance, hence, must be dealt with accordingly.

The provisions of this Federal Decree-Law No. (31) of 2021 Promulgating the Crimes and Penalties Law, known as the "New UAE Penal Code", governs criminal actions in the United Arab Emirates. The New Penal Code repeals the previous UAE Penal Code (Federal Law No. (3) of 1987 Promulgating the Penal Code).