Q: I was jailed for 4 months for not being able to pay a loan from a Dubai bank since I've lost my job in 2011. After my release, I tried looking for a job but was unsuccessful, so I went back to my home country when my visa expired but still the bank is sending emails and threatening me and wants to collect money from me. Now that I am back here in Dubai, they threatened to file a ban against me and told me that I cannot get my visa renewed if I will not pay them. Can the bank do such THING? I already have accepted the punishment of serving jail time since during that time I didn't have a JOB and was totally broke. What can I do so that they will stop harassing me? What does the law say if someone had served the sentence for a bouncing check case? Thanks and hoping to be enlightened. 

Q: I have a case in court awaiting judgement for a bank loan case of 35'000dh. What will be the punishment I am going to face?

Q: Is a bank obligated by law or financial regulation to provide a payment plan for a credit card loan if the monthly instalments are too high?If the answer is no, what can I do to avoid legal action and only pay half the instalment which is what I can afford? 

Q: How to legally exit the UAE with an unpaid loan?

Q: Good Day! I am seeking help regarding a police case against me. I have been in custody of Khalifa City police station for 2 days due to the police case against non-payment filed by National Bank of Abu Dhabi (NBAD). I took a car loan from NBAD in January 2016 and was paying monthly the total amount due. However, during my employment with the previous employer last year I have been in a financial crisis due to eight months without salary, and till now I have not received yet my final settlements from them because the case is still in Labor Department. I had 2 months' non-payment, however, after getting a new job I am consistently paying the monthly payment leaving the 2 months unpaid, and promised NBAD to pay them once I get my final settlements. Further, they did not inform me of the legal case, and the car is still under their name. How come they file a case against me? Moreover, the police case is dated 22nd of July 2018 and my due date of payment is 30th of July. Please, I am looking forward to your kind advice.

Q: Hi, I'm currently employed in Dubai and have a personal loan and credit card outstanding balance with a private bank in the UAE. I used to pay my EMIs on time and it is in order. Now, I got a new job offer and wanted to move. My current company will cancel my visa and I need to exit the country then come to Dubai with the new company's visa. My doubt is since I have a personal loan, will it be a problem in immigration at the airport while I exit the country? I need your advice. Thanks in advance.

Q: Last year, in 2020, I had to leave Dubai due to a personal issue and I still had an outstanding loan. And now I want to go back to Dubai ASAP to find a job. What should I do?

Q: Hi madam, My question is related to credit card non-payment. I have a credit card. There is an outstanding amount. I could not continue the payment. Last 4 months, I did not pay anything because my salary got reduced by 30% permanently. The bank kept on calling me to pay the amount. In July 2020, the company sent me on a long vacation after joining in December. Since that, I have paid some amount. My last payment was in May 2021. Please help me to resolve this issue!

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.