Q: Dear Nikhat, I have a personal loan with a bank in Dubai. Last October 2016 I lost my job and the company sent me back to my country. Now I have a job offer and visa. Will I be arrested if I arrive in the UAE? Due to the job lost only I didn't pay the amount. If possible I can speak to the bank and I can pay the amount monthly. Please advise me. Thanks / Regards

Q: Hi, I have taken a loan from the bank worth AED 450000. I lost my job in 2016 and was unable to pay the instalments, then left Dubai. Bank people never contacted me and I left as I was unable to pay the monthly instalments. Now I am in India. I have got another job in Dubai and I am very keen on joining it. I contacted the bank through email asking their help to sort this, they asked me to call the call centre. When I called the call centre no one was able to help me, they just said "we will get back to you", but no reply yet. For 1 month, they are not able to help me. Now, I have to join my new job in Dubai asap, and unable to understand what to do. I am ready to pay half amount now and remaining half in instalments on monthly basis. But I don't know whom to contact and how to get this sorted. PS: I don't have any friend in Dubai who is ready to help me and go and negotiate with the bank on my behalf. I am just trying to call and sort on my own. Please help and guide me.

Q: I lost my job and could not pay the EMI's since Jan 2017 till now against a personal loan of AED 316,000. The bank bounced my cheque in March 2017 and I was fined Dhs 15,000 by the public prosecutor. Do I have a travel ban or not by the bank? The bank is calling me every day for paying the loan even after the police case. I am still jobless.

Q: Hello Lawyer, I lost my job in November 2018 and still searching for a suitable job here in the UAE. I have a bank loan for which an EMI is active. Until last month, I managed to pay the EMI somehow hoping I will get a job. But so far, I am not lucky and from this month onwards I won't be able to pay the EMI. I need your best legal advice to close the dealings with the bank in a smooth manner. Awaiting your reply.

Q: Dear Madam, Last three months, I am not paying the personal loan EMIs because I am not getting a salary for the last four months. What action can the bank take against me?

Q: I have unpaid credit card dues from multiple Dubai banks since Nov 2012. I could not pay the same as my company was closed and they removed me without intimation. Wish to clear the outstanding dues, release any criminal case against me and get a police clearance certificate from Dubai police.

Q: Dear Sir/Madam, I have noticed a cheque bounce case filed against my credit card. I have informed them before that I will proceed with an easy EMI scheme through instalments. However, they deposited the cheque; the amount showing is AED 50,000. Can you please advise how to proceed further? Can I go to the police station directly? How much is the fine that I have to pay?

Q: I lost my job in March 2020. Had a loan payment and credit card payment going with the bank. I could not pay the loan EMI, the bank filed a case and I had to pay the fine of AED 10,000/-. At this point, I'm still jobless and unable to pay the credit card minimum due since April 2020. My query - 1- I don't remember giving any blank cheque for a credit card since it was issued by the bank without my request, can they still file a case? 2- In the meantime, if I get a job, can I open a salary account with a different bank?

Q: Good Day! I left an unpaid credit card loan of AED 3,000 in Dubai last 2019 (My credit limit is 5,000). Since 2016, I had my card deactivated & just paid the minimum monthly till 2019. I was laid off from work & so I did not pay the balance. As far as I remember, I did not give a security cheque to the bank. Will they still file a case against me? And also, my sister who is still in Dubai went to check if I have a civil case at Muraqqabat police station & was told that my name has no case. Can I rely on the police report? Is it possible that the bank forgives a defaulter like me? Thank you

This Law promulgates the Federal Penal Code (Criminal Law) of the United Arab Emirates. Crimes and chastisement punishments shall be determined in accordance with the provisions of this Law and other penal codes.

This Law applies to merchants, as well as to all acts of commerce carried out in the UAE by any person even though he be not a trader. Commercial matters regarding which specific Federal laws are issued shall be subject to the provisions of such laws, and to the provisions hereof which do not contradict with said laws.

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.