Q: I have four credit cards which I am using last 5- 6 years. My financial situation has currently changed dramatically, and I am not in a position to repay the minimum payments. Until the last month, all the payments were accurate. All four credit cards entitle to use AED 100,000. As per my knowledge, the bank will file a case against me and I would like to know what actions can I take to avoid prison. In addition, I think I need a lawyer so that he can take care of my documents and release me if they will catch me. Could you please tell me what will the next step be? How can I get a court decision in my favor and obtain a police clearance certificate after all this? Thanks.

Q: I have a police case for a bounced cheque last year March 17. It was against a loan which I drew but later I changed my job. I left the UAE and came back, but before I can do something the bank felt insecurity and immediately they submitted my security cheque to the police station and put a case on me. The same day, I paid the fine and came out. Later, I joined a new company and provided the necessary documents and new security cheque. My account was then regularised (After resigning from the previous company my account was frozen) and since then everything is fine. Now, I want to settle my loan in full. I already mobilised funds needed. I want to know asap if I settle the loan in full, how the travel ban or police case will be removed? Will the bank do everything and give me a clearance letter?

Q: I left the UAE in 2016 with unpaid loans and credit cards of around AED 100,000. I'm now in a position where I want to settle these loans so I can come back to Dubai. I'm looking for a firm that can negotiate a settlement plan with the banks on my behalf.

س: السلام عليكم أرجو التكرم بالرد على استفساري القانوني: كيف يمكن إزالة التعميم علي (كف بحث من الشرطة) كي أتمكن من اسئناف سداد قرض شخصي؟ تعرضت للفصل من عملي وغادرت لبلدي والآن وجدت عملاً في دبي، لكن البنك يرفض إجراء تسوية أو إزالة التعميم كي أعود وأعمل وأسدد. وجزاكم الله خيرا

Q: I defaulted on a loan plus credit cards. I have left UAE almost a year ago and stopped paying my loan and credit cards. The security check I have issued was AED 350,000 but the outstanding loan amount was only 181,000. Now I got a job offer and I am trying to discuss with the bank the settlement plan. The bank advised me that the total outstanding including two credit cards is 240,000. They are not cooperative and do not respond on time. If I sign the employment contract and travel to the UAE, what are my chances? 1. Will it be possible to be jailed? Denied a work permit or employment visa? 2. Will it be possible for me to negotiate an installment plan with the bank or pay fine and get released? Please advise! Thanks

س: السلام عليكم، عندي استفسار بخصوص قضية بنكية. صدر الحكم لصالح البنك وعليّ تعميم وحجر على الرواتب والأموال إلا أنني رفعت طلبًا للقاضي ووافق لي برفع الحجر وأمر بدفع ثلث الراتب فقط مع فائدة للمحكمة وتعهُّد مكان العمل بتحويل المطلوب كل شهر. في هذه الحالة، هل أستطيع استخراج أو تقديم طلب كف بحث خاصة مع وجودي على رأس عملي الذي يؤهلني لدفع الدفعات شهريًا؟

Q: Dear Sir/Madam, Based on the advice from the bank, I have been paying a minimum amount towards the card because of other settlement plans. Surprisingly, the bank filed a cheque execution case, and a travel ban is issued. I have always cooperated with the bank but they did this to me. The bank has all the documents that I shared and I have all the communications and payments made through. I need advice on how to resolve this.

Q: I am negotiating a personal loan settlement with a bank in the UAE. What kind of document is legally required to prove the settlement agreement?

The UAE travel ban may be imposed on a person on various grounds, for instance, as the result of criminal offences, unpaid loans, breach of immigration laws or family matters. Implications of such a ban can be financially severe and daunting for the affected person. This article aims to give readers a clear understanding of what is the UAE travel ban, what are the grounds and procedures for its imposition and removal, how to check if the person is banned from travelling and other related topics.

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.

The law promulgates UAE Civil Procedures Code (Civil Procedure Law) which governs civil procedures in the United Arab Emirates, including the prosecution before the courts, litigation and execution.