Q: I left the UAE due to the loss of my job and have credit card payments overdue. However, I found a new job in another country and was in touch with the bank to restructure my credit. Due to the big monthly installments offer from the bank side, we couldn't reach an agreement. Now the bank is emailing me and threatening to take legal action against me in my current residence country. Is it possible I may face legal problems in my current country if I don't agree to the bank's terms? Thank you

Q: Hi, I took a loan from a bank in the UAE in 2014 for an amount of 22,000 AED, but I have to pay 33,000 AED. I paid almost 23,000 AED to the bank, but I lost my job in 2016 and was unable to pay the remaining loan amount. The bank filed a police case against me, which I cleared by paying a fine of around 2,200 AED. Since then, the bank has not contacted me in the last 4-5 years, even though I have told them that I already cleared the police case and do not have the money to pay the remaining loan amount. Yesterday, I received a call from my home country, Pakistan, and someone told me that I must pay the bank loan at any cost in the UAE, otherwise, I will face serious consequences. My question is, since I am still in the UAE, can any agency or department from my country call me or force me to pay the amount? Can they take any action against me? Please give your valuable comments. Thanks!

Q: Hi Sir, I am living in Pakistan now, I have a credit card debt of AED 50,000 from a bank, but no security cheque was deposited. Now, the local credit recovery companies are calling me and giving me threats regarding a civil case. Can they put a civil case against me in Pakistan?     Thanks

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.