Q: Sir, My friend is in police custody for bank loan instalment delay in Commercial Bank of Dubai. We already paid the amount, then what is the procedure for releasing my friend from police custody? Please advise me.

Q: Last October 2017, my security cheque for my personal loan bounced because I was two months delayed. When I found out that my cheque bounced, I coordinated with the bank, and they advised me that I need to submit a new cheque and new salary transfer certificate to them and they won't file a case. I submitted the required documents and paid some amount as well. Last February 21, 2018, I was planning to go to Georgia for vacation and I was arrested due to a case filed by the bank. I was surprised because I knew that they will not file a case and no one from the bank informed me that I have a case. The case was filed last November 12, 2017, and I even had communication with the bank for loan re-structuring and during that time they didn't even tell me that I have a case. I paid AED 10k fine for the case. I was really disappointed by the bank gesture. Why would I go to Georgia if I know that I have a case? I almost spent 5 days in jail. Please let me know your advice. Thank you very much.

Q: I had a bounced cheque case with a bank, for which I was sentenced to 2 years in absentia. However, I made a one-time full payment and final settlement with the bank and paid them the amount. Will the sentence get removed? How do I get it removed?

Q: I currently have two credit cards with a debt in the UAE and have left the country due to my daughter’s health. I have been in contact with the bank and tried to make the payments. I have emailed with no response. I finally received a response from the collection department after many emails. I told them I wanted to make the payment and asked how. They gave a method so I made the first payment and said I would continue to make a monthly payment. Before the next payment was due, I received another email saying they were going to open a legal case against me for not making any payments. I emailed again and sent the proof of payment. I asked if I could still make the monthly payments and I never received a reply. Then I get another email saying they presented my cheque, which bounced, and they were going to seek further legal action in the UAE and country of residence. I emailed again to sort this issue but haven’t received a reply. What are my options as I want to clear this debt?

Q: I have taken a finance loan from a bank and was paying continuously as it was automatically debited from my salary account associated with the bank. Due to my pregnancy, I have unpaid leaves and now it's 4 months pending. For 6 months, my salary wasn't credited but every 2.5 months I paid 1 instalment in these 6 months. Last month, I resumed work and from last month salary started paying again into DIB account and they have taken 1.5-months instalment. Meanwhile, last week they deposited a cheque which was given during the loan process and it bounced. So is there any chance a case is filed even though I started paying my instalment again?

Q: I have cleared my loan with a bank and was issued a no-liability letter to that effect. I took the letter to my HR to complete the salary transfer letter to my new bank. However, the liability letter was rejected by HR because it did not have my current account number on it. After going back to the bank I was told that I would have to close my credit card to have the bank account number appear on the letter. I have now closed my credit card, however, the bank has now informed me that they cannot reissue the liability letter for that account. I am now at the point where payroll amendments close next week, with no liability letter and an HR standing firm. This means default on my first payment with the new bank and no pay. What are my options?