Q: I am a UK passport holder. Can you assist me? I worked in the UAE, Abu Dhabi. Two years ago, I lost my job and returned to the UK but I was unable to keep up payments on my loan and credit cards after my end of service money run out. The banks started hounding me when I could not keep up payments and threatened to raise a civil case and a GCC travel ban. I do not know if they went through with this or not and what the consequences would be if there are a travel ban and a civil case raised in the UAE or GCC countries. I now have the chance of a job in Qatar and a chance to make some money again to try and pay off my debt in the UAE. Can I enter Qatar? Would I be arrested? Am I at risk and should not take the job? What are my options? I can not start to pay back any UAE money until I get a job and start earning again. Please advise! Thanks!

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: If I have an immigration ban in the UAE for unpaid debt (bank loan), will it be applicable to other GCC countries like Saudi Arabia, Qatar, and Bahrain?

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, known as "UAE Labour Law", govern the relationship between employers and employees and other labour matters in the United Arab Emirates. There are special labour related regulations applicable in some of the free zones in the UAE.

The provisions of this Decree-Law, known as "New UAE Labor Law", govern labour relations in the private sector of the United Arab Emirates. The New Labor Law repeals the previous UAE Labor Law (Federal Law No. (8) of 1980).