Q: I've taken a loan for 5 years from a bank in Dubai. I've paid for 2.5 years, then I've lost my job and had to leave the country. Until now I can't find a job. I couldn't pay the loan instalment for 8 months. The bank said that they've already written off the loan and is threatening to file a police case. The remaining loan is AED 340k. All I have now is only 150k. I'm afraid that I pay what I have, then stop paying. And then the bank will file a police report. What should I do? Is it possible to reach a deal with the bank to pay the 150k and they close the case and give me back the cheques? If they're going to file a police case anyway, then it's better that I don't pay the 150k. It'll be a lose-lose situation for me and the bank. I want to hire a lawyer to help me close this issue. And explain to me what are my options and how much will his service cost me.

Q: Dear Sir/Madam, I have a loan of AED 400,000 from a bank in Dubai. I got a termination and October 2017 was my last month at work. The bank made a case to the police for the balance amount which is AED 2500,000 as per their record. They stopped my visa procedures at my new company. Can you advise what to do?

Q: My friend has left the UAE in 2018 without closing his personal loan (28000 balance). He got an interview chance there and would like to go back. He is ready to repay the amount once he gets the job. Is there any ban on him? He needs to close one credit card payment also which is pending. Please help

Q: Hello, I have a question. My husband had a loan 15 years ago, he had difficulty paying this loan, and the bank opened a case, which was solved, and he paid the full loan. He is still in Dubai and has a good work position. How is it possible to remove the solved bank case from the database to have the possibility of getting the credit card and loan? Thank you.

Q: I paid my landlord in cash 10 days in advance and he still deposited my rent cheque. My perfect AECB score maintained for 9 years is ruined. How can AECB be reversed and compensated if AECB cannot be corrected? The cheque value is AED 16,250 and I have sufficient evidence + receipt from the landlord.

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.

This Law promulgates the Federal Penal Code (Criminal Law) of the United Arab Emirates. Crimes and chastisement punishments shall be determined in accordance with the provisions of this Law and other penal codes.