Q: I have a loan with UAE bank: 1 credit card outstanding value is 22,000 AED & one personal loan around 85,000 AED. I lost my job on Jun 2016. From there I unable to pay my EMI (6 months). Bank is not agreeing for settlement plan as per my request. Now they are saying they are going to file a case.Now my doubt, if I get a job in GCC other than UAE, will police catch me in the airport in any GCC? OR arrest is possible only if they file a case in that particular country?Please, advise.

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: I have a debt on my credit card from a bank in the UAE and I left the UAE a few months back. I have not traveled to any countries since then. My question is if I travel to Qatar, Saudi, or Kuwait, or in case of connected flights those stay in Qatar, Saudi, what are the chances that I will face problems?

Q: Dear Sir/Madam, I am traveling for Hajj and have a 2-hour transit in Dubai. I had some bank liabilities that I later settled and obtained NOCs from the banks. However, I am doubtful if my cases have been cleared. Please let me know if there is any harm in transiting from the UAE in my case. My connecting flight is to Jeddah.

Q: Greetings! I am a Philippine passport Holder. I was working in the UAE for the past 16 years. I have a personal loan of AED 1,500 in a Bank in Abu Dhabi. I never missed a single EMI to the bank and had good records. But I lost my job, so had to come back to Philippines. Now after 16 years, I have a chance to go to Italy but my plane has a connected flight from Dubai to Italy. Will the UAE authorities arrest me? Please help me with your advice, I can pay the outstanding only if I have to, but how? I want to pay my outstanding and clear it.

Q: I have a travel ban (blacklisted) issued from the UAE due to an unpaid credit card outstanding (approx AED 20k). Can I enter Saudi Arabia on a visit visa (French citizen) and how long will the travel ban last?

Q: Dear Sir/Madam, I discovered an AED 158,000 police case at Al Raffa Police Station in Dubai, and the crime description is "giving a cheque without balance in bad faith." Actually, I took a loan in 2018, and then, due to job circumstances, I left the UAE. Can you please help me in two ways? First, let me know if I need to pay this amount to enter the UAE, as I remember I also left some card payments unresolved. Second, can I go for Hajj in the upcoming session, and will this have any impact if I take a direct flight?

Q: We would like to thank all participants for their invaluable input. We have a very specific question regarding connecting through Dubai in case of a probable court case/police case in the UAE. Does it make a difference if connecting from an Emirates flight to another Emirates flight without passing through immigration as opposed to connecting between different airlines in which case there is a possibility of passing through immigration, especially between different terminals? We would appreciate a clear and specific answer to this pertinent question. Thank you

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 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.