Q: I am a defaulter on a bank loan in the UAE. Now, I am requesting the bank for settlement but still no reply from their side, can you guide me on this? What I have to do now? I am offering them but they're still emailing me about a legal case. Any solution to this?

Q: Dear Ahmed, Eid Mubarak! I lost my job two years back and I have been on a couple of visit visas without luck! I have a loan which I was able to pay the first few months of being laid off, however, I couldn't afford to until the bank deposited one of the security cheques. I was arrested while exiting the country, and fined where I was handed over my passport. I am back on a visit to look for a job but the bank has threatened to open a civil case, what are my options? Will they take me to jail? Is there a way I can request the court to allow me to pay little instalments until I get a job? Kindly advise

Q: Hi Sir, I am looking forward to having a debt solution in the UAE. I am currently not in the UAE and I did not pay to the banks since August 2018. Otherwise, I had been paying since last three years. I have 5 credit cards & one personal loan. Can you please help me in this regard?

س: السلام عليكم ورحمة الله تعالى وبركاته، كنت في إمارة دبي وعملت في وظيفة حكومية وقد أنهيت خدماتي وكان عليّ قرض بنك لم أستطع دفعه يقارب ٦٠ ألف درهم. فتح البنك بلاغًا وحكمت المحكمة بدفع غرامة قدرها ٢٠٠٠ درهم واستلمت جواز سفري وخرجت من الدولة. الآن أريد أن أرجع الإمارات. سؤالي: هل يمكن أن يفتح البنك بلاغ مدني؟ وكيف أستطيع أن أعرف إذا كان هناك قضية ضدي؟ وكيف أستطيع حلها؟ القضية حدثت في ٢٠١٤م. وشكرًا!

Q: Hi, I am a UK resident. I was previously living in Dubai until 2017. I was deported from Dubai in 2017 on a nonfinancial related case. When I was deported, there was an outstanding credit card balance on my Emirates Bank which I couldn't pay off and now a UK-based company has filed a case in CCMCC UK courts to recover the amount. So my questions are: 1. Does the company in the UK require a Dubai court to peruse this case in the UK? 2. How can the UK courts accept a financial settlement case (credit card) without formally confirming if the case is filed in Dubai or the UAE? 3. Can the bank still peruse a case against me if I was deported by the UAE courts as I did not abscond or flee the UAE?

Q: There are 4 financial cases due to the non-payment of a credit card and a loan. It has been 7 years since I left the UAE, and now I want to come back. Kindly advise.

Q: Good day, The bank has filed a civil case against me. I was unemployed for a certain period of time; however, I have been communicating with the bank. I am starting a new job in December 2023. Note that since I lost my job, I've been in my home country, South Africa. The case is filed in the UAE, Abu Dhabi, where I previously worked. Please advise or recommend a lawyer.

Q: The bank issued a travel ban on me while I was outside the UAE due to the credit card outstanding amount of almost 90k. I don’t know what will happen if I go back to the UAE. Will I enter the country normally or will I be detained? They also requested to withdraw my passport.

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.