Q: The collection department of my bank is harassing me and threatens me about my due balance on my credit card. I informed them that I don't have work yet and waiting for a job offer. I will settle it once I get a job. What can I do on this matter to negotiate with the bank?

Q: I had some credit card financial issue and I couldn't pay. The bank put a police case and I paid a fine and finished the case. After some months with different collection people from the bank calling me and coming 2-3 times directly to my office, they told me they will file a civil case for the total dues of 30K. What is the solution for finishing all this?

Q: Hi I am from India and I left the UAE in 2020 with a personal loan outstanding of 300k due to my job issues, I am in the UK currently for the past 2 years. The bank has received my end-of-service benefits and holds them. Now they are threatening me via a collection agency from India to go against my parents who have nothing to do with this loan. They are calling them by phone and messaging to threaten me from time to time. I have complained to my bank about this bullying from this collection agency but no action is taken from the bank. I am currently paying the minimum amount to the bank in the UAE towards my personal loan. I like to know what action can the UAE bank take against me in the UK and in India against me and my parents. What is the legal right the collection agency in India has to act against me and my parents? If I can't pay my personal loan due to my financial situation, what will the consequences be? Kindly advise.

Q: The bank said that they would file an execution case since I couldn't meet their demands. And as part of the process, they will visit my company and involve HR. Plus, I keep receiving excessive phone calls not only on my mobile but also on the company phones and landlines. Even the receptionist from the other branch received rude treatment even if I was constantly in contact with them. My questions are: 1. What is the process of execution case? 2. Is HR involved in this? Do they have the right to visit the company? 3. What can I do so they stop harassing me and my colleagues? Please, can someone help me with this? Thank you so much in advance.

Q: Is it legal for debt collectors to contact the employee's workplace when you have defaulted on your payment?

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.