Q: Hi Sir, Please, I need your help. I had a loan from FGB bank. I almost paid instalments for three years. Now, I am not in that condition to pay. There are 3 instalments due and I am getting calls from the collection and they are about to file a case. Could you please help me to know the penalty I may get, as my outstanding amount is just AED 24K? I have an Abu Dhabi visa, and they threatened to file a case in Sharjah.

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: Over AED 200k or under AED 200k? I am confused as to how my police case will be treated by the police/justice system based on the 200k rule. The bounced cheque was for AED 235,000. However, my outstanding balance with the bank is around AED150,000. The cheque is slightly above 200k yet the outstanding balance is below 200k. Is it safe to assume I'm being treated as though the cheque was under 200k? How do I find out sure? I only received a paper with my photo on it which the policeman asked me to sign. I have no idea what I signed as it is all in Arabic. Secondly, why did the airport police take my passport? I thought the police no longer confiscate passports for loan cases due to the new 'smart bail 'system. My visa is up for renewal in 1 month. Can I get my passport back from the police (even just temporarily) to renew my visa? If I can't renew my visa, I can't work and won't be able to pay anything. As long as I renew visa and keep my job, I can settle the loan in around 6 months. Thanks

س: لقد غادرت الإمارات منذ 5 سنوات وكان علي قرض لأحد البنوك بقيمة ٦٠ ألف درهم، وكانت مغادرة لأسباب قهرية. والآن لا أعلم ماذا حدث وأرغب في سداد المبلغ أو التفاوض لسداده دون قيمة فوائد إذا أمكن. فما هو الإجراء المتبع؟ وهل يجب العودة لإتمام هذه العملية؟

Q: Would like to know what are the legal implications one has to face for not being able to pay the personal loan repayment.

Q: Hi mam, I had a loan in Dubai. I paid for some but then I couldn't pay for it anymore. They filed a police case of a bad faith cheque, amount of 78000 AED, what is the punishment in this case? Please advise! Thanks!

Q: Hello, I have a notice from the DIFC courts against my personal loan which I borrowed from a bank in 2014. The amount is AED 350k. I have already served the jail time; 2 months for the criminal offense of signing the cheque. I am offering a settlement to the bank in monthly installments which I can manage, but they are not agreeing upon and, now, the court will resume the hearings. The problem is that I wanted to pay off, but I can't afford to pay heavy installments which the bank is asking for. How to convince the bank?

Q: Hello all respected lawyers, I left the UAE because of job loss in 2009 and, at that time, I had an unpaid loan of around AED 200,000 from a bank. It must have reached millions now after years of interest. I started my life afresh and after 10 years, I got little stability in life. Now I am in a position to pay around AED 100,000. With your experience, do you think that the bank will be able to accept this as a final settlement and clear my name from the blacklist? Your suggestion is highly appreciated and if you think this amount will be acceptable, then I would like to do it through a lawyer. Thanks in advance!

Q: Dear sir, I have taken a loan from a bank, but I had to leave for my job. I am in the UK now. I asked the bank to reduce the monthly installment as I have a relatively lesser salary here and can pay a limited amount every month, but the bank collection department refused my request and threatened to file a police case if I will not pay. How can I manage it? I would be thankful for your response.

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.