Q: Hi, I have 3 credit cards with a total limit of AED 23100. Last year, because of some issues at the job, I wasn't able to manage properly. I applied for a settlement option and they asked for an amount of AED 23500 with 6 instalments. I managed my four instalments in proper time. But after that, I wasn't able to manage the payments. Now, they're asking for the entire money with interest. Please advise about the solution to solve this.

Q: Dear Sir, I had a loan of AED 20,000 and I was paying my instalment every month until I lost my job. My outstanding amount was only AED 8000 by then, but hence I didn't have a job and I couldn't pay for 7 months. However, as I found a new job I started to pay again but a case was filed already by this time. I was jailed for 2 days and I was presented to the courts where they gave me a fine of AED 2000, then I was released. Now, the recovery department is calling me again and telling me to pay AED 14000 as they say that's my current outstanding amount. They say that a civil case will be filed if I fail to pay. So what will happen if they filed a civil case? Please advice.

Q: Hi Sir, Please, I need your help. I had a loan from FGB bank. I almost paid instalments for three years. Now, I am not in that condition to pay. There are 3 instalments due and I am getting calls from the collection and they are about to file a case. Could you please help me to know the penalty I may get, as my outstanding amount is just AED 24K? I have an Abu Dhabi visa, and they threatened to file a case in Sharjah.

Q: Hi Madam, I would like clarification to that: A security cheque presented by the bank bounced due to the unpaid credit card dues. I have paid the penalty in the court. Please advise whether I can resume working over here? Will the banks follow me to pay the debts after that?

Q: Hi Madam, I was in jail in Abu Dhabi against a bounced cheque crime from 28 November to 30 November. The judge gave me a fine against the bank cheque and released me. They also gave me a paper that mentioned I paid the fine. My credit limit was AED 30,000 and cheque amount was AED 100,000. Now I want to travel to my home country. Is it possible to travel? Best regards

Q: Hello, If I have a bounced check case over 200,000 AED which has been filed over 3 years ago, is it still considered a criminal offense in Dubai or is it now considered civil? Is there a time frame through which checks change from criminal to civil?

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.

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 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.