Q: Dear Nikhat, I have a personal loan with a bank in Dubai. Last October 2016 I lost my job and the company sent me back to my country. Now I have a job offer and visa. Will I be arrested if I arrive in the UAE? Due to the job lost only I didn't pay the amount. If possible I can speak to the bank and I can pay the amount monthly. Please advise me. Thanks / Regards

Q: I took a personal loan from a bank in Dubai, 130000 total. Now, my pending is 99300. I lost my job and now I got another job but salary much less, so some dues came. Now, the bank deposited my guarantee cheque and it bounced. They filed a case against me for cheating the bank. How can I solve this by paying a fine? I am not able to pay now monthly.

Q: Dear Madam, I got terminated from my company & I have a bank loan around AED 75000. What do I have to do the next step? Please advise me (ASAP) Best regards

Q: My wife is currently in Canada and she has a loan and one credit card issue. How can I check whether she can travel or not? Should I apply online for a good conduct certificate? If she has a case, how to settle down so she will come back?

Q: Salam, I have been working in the UAE for 7 years. A week ago, my employer threatened me with termination. I have a bank liability of around 164,000.00 AED in a form of a personal loan and I fear that in case of losing the job I will not be able to pay off my loan as I have no savings. After reading, I understand that I shall have to face a criminal proceeding if I am not able to pay off my loan (as it becomes due in its entirety in case of loss of job) and also imprisonment. Whatever it may be, I need to know more about it. I was informed by a friend that if a person notifies the bank about this default and termination, then the proceedings shall start and the defaulter shall either be imprisoned or fined. Will appreciate it if someone can guide me on how things shall be in case I get terminated and the loan amount becomes due and this situation turns into a civil/criminal case. Best Regards,

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.

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.