Questions & Answers
Questions & Answers
8 available 8 • View allNegotiating credit card outstandings with the bank
10
Q: Hi, I lost my job a year ago and I have an outstanding credit card of AED 300k. I've missed the last 9 monthly payments (I am negotiating directly with the bank). I am willing to settle the credit card with one lump sum payment that a friend will lend me.
How much discount on the balance of AED 300k can I negotiate to settle the matter? Should I also ask for a clearance/ no liability letter?

May 24, 2017
10065
Repercussions of defaulting on a bank loan and credit card
1
Q: Dear Sir,
I am an Indian national, and I defaulted on a personal loan & credit card payments. I lost my Job and I didn't pay my EMI and credit card payments.
I am seeking help from you, could you help me with this? I am not a willful defaulter. Now, I am In my home country.

Dec 8, 2018
1263
Removing a travel ban imposed for defaulting on credit cards
3
Q: Dear Madam Nikhat,
I have outstanding amounts for two different banks on credit card.
I lived in the UAE for almost 5 years and when I lost my job, I came back to home country and attempted many times applying for a visit visa to go back to the UAE.
Unfortunately, all my visit visa applications were rejected and I came to know from the immigration department that I have got some AL Aman ban.
After coming back to my home country, being jobless with no financial support I have paid (with the help of my relatives) installments on my credit cards upto 7months.
I am getting emails from both banks regarding legal case & travel ban for not clearing the remaining outstanding amounts. I replied to them that I need time to go back to the UAE, get a job and clear my dues.
Kindly advise, how can I settle these outstanding amounts, and is it possible to remove this ban?
Thank you,
Regards

Apr 23, 2018
4550
العودة إلى الإمارات بعد المغادرة دون سداد ديون للبنك
5
س: لقد غادرت دولة الإمارات منذ ثلاث سنوات وكنت قد أخذت قرض من البنك بقيمة 70000 وكنت قد سددت نصفه.
لدي أيضاً بطاقة ائتمانية من بنك آخر بقيمة 12000 درهم سددت أصل المبلغ ولكن بقيت الفوائد.
وقد أردت التسديد ولكن حدث خلاف معي ومع الوكالة التي أعمل معها وغادرت. أنا الآن أريد الرجوع لدولة الإمارات والعمل بها.
كيف يكون الوضع معي وهل الآن أكون على قائمة الممنوعين من العمل أو من الدخول إلى الدولة؟
أرجو الرد

Mar 21, 2019
1704
إمكانية العودة إلى الإمارات قبل تسديد قرض مترصد للبنك

1
س: السلام عليكم
كان علي قرض للبنك وتحول الشيك للمحكمة وصدر حكم أن أدفع ٦ آلاف غرامة.
هل يرفع التعميم عني وأستطيع دخول البلد (الإمارات)؟ وهل تكون قضية البنك أقفلت؟


May 3, 2019
507
عواقب فتح البنك لبلاغ في الشرطة بشيك الضمان المرتجع
0
س: السلام عليكم،
ما هو الإجراء القانوني في حالة فتح البنك بلاغ في الشرطة بشيك الضمان المرتجع؟ شيك الضمان بشأن بطاقة ائتمان.
شكرًا.

Apr 29, 2019
419
هل يمكن إجبار البنك على القبول بتسوية لديون بطاقة ائتمانية؟
1
س: السلام عليكم
إذا رفض بنك تسوية المستحقات كردت كارد (بطاقة ائتمانية) على شكل أقساط شهرية، هل يمكن تقديم شكوى ضد البنك مع أنه تم توضيح الأسباب؟

Nov 18, 2020
412
رفع دعوى لندب خبير مصرفي لحساب المديونية على حقيقتها

3
س: عملت تسوية مع أحد البنوك بالإمارات بخصوص كريدت كارد. السداد بفائدة عالية على 3 سنوات.
المشكلة أني أسدد بعد معاد الاستحقاق والبنك يضيف فائدة إضافية وغرامة تأخير شهريًا.
المبلغ المتبقي مرتفع وباقي 6 أشهر بسب فوائد التأخير وتنتهي مدة الـ3 سنوات.
هل يمكن رفع دعوى لندب خبير حسابي لمعرفة المبالغ التي سددتها خلال 3 سنوات ومعرفة المتبقي؟


Jun 3, 2021
909
Laws & Regulations
3 available 3 • View allFederal Law No. (3) of 1987 Promulgating the Penal Code 29
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.
Dec 8, 1987
47900
Federal Law No. (18) of 1993 Issuing the Commercial Transactions Law 19
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.
Sep 7, 1993
33004
Federal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates 96
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.
Dec 15, 1985
148357

Premium
Other answers by
183 183 answers •
View allThe landlord refuses to wait for days beyond rental cheque due date. What to do? 0
Dear sir/madam,
My rental cheque is due tomorrow and unfortunately, I’m not able to honor it. I asked my landlord to wait a couple of days but he doesn’t want to wait and said that he is going to cash the cheque tomorrow.
Of course, the cheque will bounce, what would be the procedure then?
Do I have a certain amount of days before eviction to pay the rent?
Sep 25, 2022
478
What happens when the property is sold mid-lease? 0
Dear Sir/Madam,
Does the existing tenancy contract between the tenant and the previous owner remain in force even after the new landlord has purchased the property in the middle of an ongoing lease?
And when should a new tenancy contract be made?
Should it be made immediately after the property has been sold, or at the end of the ongoing tenancy contract signed between the previous owner of the property and the tenant?
Also, does a new contract have to be in place for the tenant to exchange the cheques, or does the existing tenancy contract with the previous owner remain valid for the purpose of exchanging the cheques?
Apr 5, 2023
768
Evicting an employee from school accommodation while a labor case is pending 0
Dear Sir/Madam,
I was wrongfully terminated by my school under Article 44 on March 20th, 2023. I have a case in the labor courts, and the first hearing is on April 4th, 2023.
However, my employer is asking me to vacate the school accommodation. I asked the Ministry of Labor and the courts, and they informed me that the school cannot evict me until the case is resolved.
Is this information correct?
I am currently unemployed and have nowhere else to go until I find another job.
Apr 3, 2023
127
If I have a travel ban in KSA, can I travel to the UAE on a work visa? 0
Hi,
May you and your family be blessed.
I'm extremely tense and need your kind feedback on the following issue.
If I have a travel ban in KSA, can I travel to the UAE on a work visa?
I have been visiting Dubai on a tourist visa without any problems.
The ban was imposed because I had to leave KSA suddenly and could not return after an exit-entry, and I was unable to pay back my car EMI and credit card payment totaling 30k SAR, which I intend to pay off gradually now.
When I left KSA, they only had my fingerprints at the time. I also understand that while coming for a visit to Dubai, only a retinal scan is done.
On the other hand, when obtaining a work visa, UAE takes and registers fingerprints as well. Could this lead to any issues for me?
I have finally obtained a better-paying job after a long time and can finally save up to pay off my debts. The case registered for which the travel ban is imposed is only for SAR 16000.
As of now, I cannot afford to hire a lawyer to check in UAE.
Thank you for your help!
Mar 29, 2023
1881
Tenant's rights: Can my landlord evict me, raise my rent, and ban my pet? 0
Dear Sir/Madam,
My landlord wants to evict me from the property where I reside. They have not provided a court order for eviction within the past 12 months.
Additionally, they are requesting a 40% increase in rent and are insisting on a 6-month fixed-term renewal, despite the RERA index indicating no such increase.
Furthermore, they have included an unreasonable clause that prohibits pets, even though I have lived on the property with a pet for over three years.
What options do I have if I do not agree to these demands?
Mar 16, 2023
448
Get quotes from lawyers
Find the right lawyer for your legal needs.
Submit your request and get multiple
competitive offers from
qualified lawyers.
Popular Q&A
View all Looking for something else?
Ask for advice from a lawyer