Q: I unintentionally left the UAE in 2016 due a to family emergency with an unpaid credit card and a few loans. Since I have got confirmed by a Dubai based colleague that I have a police case already for bounced cheques cases. How do I go about the settlement from outside the UAE? I have heard of the fines imposed as well as bounced cheque criminal case has been demoted to a minor misdemeanour in Dubai. Involved banks are ADCB (loan of 120k), FGB (credit card - 70k), ENBD (credit card - 20k), HSBC (credit card - 13k) and CITIBANK (loan of 31k). Thank you for your help. Please advise on the action that I can take to settle my issue without going to Dubai, UAE.

Q: Hi, My name is M., and I want to settle my credit card. I am in bad credit, what is the way?

Q: I have a police case for a bounced cheque last year March 17. It was against a loan which I drew but later I changed my job. I left the UAE and came back, but before I can do something the bank felt insecurity and immediately they submitted my security cheque to the police station and put a case on me. The same day, I paid the fine and came out. Later, I joined a new company and provided the necessary documents and new security cheque. My account was then regularised (After resigning from the previous company my account was frozen) and since then everything is fine. Now, I want to settle my loan in full. I already mobilised funds needed. I want to know asap if I settle the loan in full, how the travel ban or police case will be removed? Will the bank do everything and give me a clearance letter?

Q: Dears, I left the UAE last year in 2021 and now I have a personal loan debt of AED 15,000 as per the bank. Now, I have received a court letter from Dubai Court with a travel ban to the country. What will be the next process, please help as I would really want to avoid any travel ban and police case.

Q: I am a UK-based citizen aiming to negotiate a settlement on a UAE liability with a large bank. Am I correct in assuming the letter of clearance from the bank once the debt is paid will need to be attested by a UAE notary to stand up to scrutiny from authorities if I am ever detained in the future due to a police case related to this matter?

Q: Dear sir/madam, I have a personal bank loan from a bank in Dubai and I paid for almost 3 years properly. After that, my income of salary is now very less. I stopped my installment. The bank first filed a criminal case and I paid the court fine. Now they have given a civil case and the court made execution. It is an absentia judgment. Now I have a travel ban and an arrest warrant they have given for 505000 AED but my actual balance (without interest ) is only 220000. How can I settle with the bank and how much they will accept to settle? Please advise! Thanks!

Q: Hi, I had a debt with a bank. The last year 2022, I completed all the payments, and my bank account statement shows zero. Finally, I approached both the bank and the collection department for the clearance paper, but I was told I still owe them money (for late payment, SMS fees, maintenance fees, etc.) which seems to be hidden charges of about 10,000 AED which is not reflected in my bank statement. This is not fair. Kindly provide me a solution on how to get the clearance paper without paying this amount.

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.