Questions & Answers
Questions & Answers
3 available 3 • View allCan I take the settlement for credit card offered on the phone by collection agency?
0
Q: I agreed with the collection agency regarding my unpaid credit card dues and they sent an email to me stating that as agreed, in the telephonic conversation, I can pay the amount as installments and close the cards.
Is it valid to accept it as email from collection agent or I need to get the settlement agreement from bank on their letter head?
Kindly advise.

Jul 1, 2022
274
How to reach a settlement with the bank on credit cards to avoid collection agencies?

0
Q: I have credit cards from a bank in the UAE and the limit for both cards is 7500 but the outstanding is 9800.
I asked for a settlement of AED 4000 for both cards, as I paid more than 2 or 3 times the card limit and it's been blocked for more than 3 years.
The collection agent keeps on calling and saying a maximum of 3 installments for 7000 as a settlement but I am not able to afford that amount.
Also, the bank is denying to talk and telling me to contact the collection agency for settlement and the bank is not responsible for this.
Can you please guide me in this?


Feb 15, 2023
263
Settlement for a bank loan with the collection agency

1
Q: Hi Lawyers,
I have outstanding dues on my personal loan and the bank filed a case on that. I am trying to get a settlement through the debt collection agency.
They asked me to sign a financial letter for that, along with it, they need all my documents. Is this mandatory?
Is there any issue in signing the financial letter?
Is there any issue if I could not make the payment on the mentioned date?
Please advise.


Mar 11, 2020
798
Legal blog
2 available 2 • View allBounced Cheques in the UAE: What You Need to Know in 2024 292
In the UAE, cheque bounce is a very frequent problem faced by people during their span in the country. It is covered under the purview of Commercial Transactions Law, and legal implications/penalties can be financially severe and daunting for more “serious” offenses. Bounced cheque issues may arise in a variety of commercial transactions, including but not limited to, companies’ exchanges, bank loans, property rents or purchases, and individual transactions.
Oct 15, 2024
222746
Failing to Honour Bounced Cheques in Loans and Other Transactions 8
An interview-format article covering the topic of loans and bounced cheques in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.
Jan 15, 2020
7119
Laws & Regulations
1 available 1 • View allFederal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates 96
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.
Dec 15, 1985
148540

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