Q: I had taken a car loan from a finance company and couldn't pay back completely. However, a case was filed and I paid the fine given by Dubai Courts in July 2017 and left the country in December 2017. My car has been impounded for not renewing the license. Can I come back to Dubai? Will there be an issue?

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: Hi, Yesterday my car has been detained by the police but I was not aware why. When I have been checked at the police station, they told me that there is an issue with the bank. What I remember is that some payments were not made since I was stuck in my home country due to COVID-19 from Feb to July 2020 due to which I was not able to pay the monthly instalment. I resumed work in Aug and started paying my instalments after that. Why did the bank request my car detention?

An interview-format article covering the topic of loans and bounced cheques in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.

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.