Q: I have a travel ban set by Dunia Finance LLC, as I had a loan from them and failed to make some instalments. Now, I am in India and I want to clear this issue. Please give me some options to solve this matter. I can follow your instruction to solve this.

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: I believe there is a case against me at the police station with regards to a bank depositing a security cheque. I cannot figure out which bank. How can I sort this out and who can assist me?

Q: Hi. I got a loan of 30,000 from a finance company. I was paying my monthly EMI. After that, I lost my job and I wasn't able to pay. Then I got another job. My employer applied for a visa but my name got a match with a guy who is blacklisted in the UAE. After many attempts, I got the visa but I did not get my Emirates ID. Due to expired ID, my sim got blocked and I was not in contact with the finance company. Even to date, I don't have an ID. Before a few months, the finance company put a case on me and I was unaware about that and I have no idea that there is running a case on me. In my absence, the court gave a judgement of 5 months in prison. I'm still in the UAE. A few days ago, I was travelling from Sharjah to Oman and they arrested me at Sharjah airport. I am on bail now. My next date in court will be in next week. I want to know is there any solution to avoid prison or convert prison to fine?

Q: Hello. I have 2 credit cards one with [----] bank of outstanding 15000 and the other is with [----] bank of outstanding 7000. Please advise, I am not willingly able to pay the debt. Will they file a case? And if I pay to the police after the case, will the debt be closed? Also, is there any problem with the travel ban?

س: السلام عليكم، تم إنهاء عقد عملي من الإمارات قبل سنة وعليّ بطاقة ائتمان بقيمة 7000 درهم وقرض شخصي ولم أستطع السداد. تواصل معي مندوب البنك بأنهم رفعوا قضية شرطة ضدي. كيف أحل المشكلة؟ أرسل لمندوب البنك لكن لا يرد. وهل يتم حظر السفر لكل البلدان أم الإمارات فقط؟ أنا حاليًا في الأردن. شكرًا!

Q: Hi Sir If there is a case in court, will there be a travel ban?

Q: Dear Sir/Madam, I failed to pay a credit card loan to a bank. They are threatening to file a police case against me. They keep calling my manager at my company. Can you tell me what will happen if they do file a case against me? I received a statement from the bank with CID on it. Does this mean I have a case now? And does it mean I can't travel? Please advise!

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.

The provisions of this Decree by Law amend the Federal Law No. (18) of 1993 by replacing Clause (4) of Article (379) as well as Articles (600), (617), (641), (642), (643), (644), and adding new articles numbered (635) Bis, (641) Bis (1), (641) Bis (2), (641) Bis (3), (641) Bis (4), (643) Bis (1), (643) Bis (2), (644) Bis (1) and (644) Bis (2). The Decree-Law also repeals Articles (401), (402) and (403) of the Federal Law No. (3) of 1987.