Questions & Answers
I could not pay two credit cards in the UAE . Can the bank proceed with legal action in my country?
I have two credit cards in the UAE with the amount of 30,000 and 15,000 but due to a bad financial situation, I am unable to pay them back.
Then I decided to move back to Pakistan to avoid legal action. I still haven't found any solution to pay them back because of my bad financial situation.
The question is whether I am safe in Pakistan or if the bank can proceed with any legal action in my country.
What do I have to do now because I am unable to pay them back?
Under UAE law, if you fail to repay your credit card debts, the bank can take legal action against you in the UAE, which may include filing a lawsuit or imposing a travel ban.
If you are in Pakistan, it may be difficult for the bank to enforce these actions, but they may still seek an international court judgment.
The best step is to contact the bank to arrange a repayment plan or negotiate a settlement.
For more accurate legal advice, you can contact us via WhatsApp. We specialize in these matters and are happy to assist you in finding appropriate legal solutions.
Normally, restrictions imposed on you in one country have an effect only in the country itself, especially for financial cases.
They may hire debt collectors in your home country to follow up with you regarding settlement.
Filing a dispute with the authorities there will be complex procedures. If you need further clarification kindly share your WhatsApp number.
Hello,
Thank you for reaching out regarding your financial situation. In the UAE, defaulting on credit card payments is treated as a civil matter.
However, if the bank initiates legal proceedings, they may obtain a court judgment against you.
This judgment could lead to consequences such as a travel ban or even an arrest warrant, especially if a bounced cheque was involved as a form of guarantee for the credit card.
Although you have relocated to Pakistan, the bank may attempt to enforce the UAE court judgment in Pakistan.
This would depend on international agreements or reciprocal enforcement treaties between the two countries, and it would require additional legal steps in Pakistan.
To address this issue, I strongly recommend contacting the bank to negotiate a settlement or restructuring of your debt.
Banks are often willing to offer flexible repayment plans when borrowers demonstrate financial hardship and a genuine intent to resolve the matter.
Additionally, it is essential to verify whether any legal actions or travel bans have been registered against you in the UAE. I can assist you in checking your legal status and guide you on the best course of action.
If you need further assistance, whether in negotiating with the bank or verifying your legal standing, please feel free to contact me via email or by phone.
I would be happy to help you resolve this matter.
