Q: Greeting! My name is Fazil Hussain, I was working in the UAE for past 5 years, I have a personal loan of 80,000 from ADCB Bank in Dubai. I never missed a single EMI to the bank and had good records. But I lost my job, so had to come back to India. I wanted to go back to Dubai and search for a job but the bank said they have blocked my visa and I cannot get a job there. I replied to the bank by email that if they block my visa then how can I find a job in Dubai and how should I pay my outstanding balance on the personal loan. I can pay my loan only if I get a job in the UAE... Please help me with your advice, I can pay the outstanding only if I work in GCC. I can't afford to pay from India. I want to pay my outstanding and clear it. Can the bank give me NOC to work in Dubai and pay their loan? And I want to know, is it possible if I go to Saudi Arabia and do a job and pay my installments to the bank in the UAE?

Q: I had to leave the UAE in 2015 due to losing the job and left a debt of AED 275000. I have a new job offer with a better salary now. I want to know if I can come back and pay monthly to the banks.

Q: I had two loans in Dubai and left a few years ago (2015). I wrote a cheque to the banks when I applied for the loan (but it was not written in bad faith) as I was paying my instalments for more than three years. I was contacted by a collection company and tried to structure a deal with them but it did not work. Since 2015 till now, I don't have a permanent job and very difficult to pay back or even to hire a lawyer. Now, I am planning to immigrate and not sure how these records would show (civil/ criminal). Is there any way to overcome this situation?

Q: I have debt from the UAE and have a few bounced cheque cases against me. I left the UAE a few years back and have not travelled to the countries since then. My question is if I travel to Qatar, Saudi or Kuwait, will those bounced cheque cases come to haunt me on those countries, even though I am just in transit of those countries?

Q: Assalamu Alaikum, How can I remove the ban imposed on me 7 years ago? Will this ban also restrict me in having employment in other gulf countries?

Q: I had lost my job due to a reduction in force dated 04th, Oct 2018. I have a 1,73,000 AED balance loan in the UAE. After a long struggle, I have an offer from Qatar now. Kindly advise: 1. Can I travel to Qatar? 2. I have a travel ban and cheque bounce case, how can I sort out this? 3. I have given 2,00,000 AED to one of my colleagues on a returnable basis (without interest) on behalf of his cheque, now he is not giving that money back because I was not there since the last year, how can I deal with him?

Q: Good day! I have a personal loan in the UAE, which I haven’t finished paying yet. I’ve never missed any payment when I was still working there back in 2018. I had to go back to my home country and fix some of my personal problems. I was planning to go back to work again in any GCC countries except the UAE because I want to first clear my loan from there and head back soon. Is it possible I’ll get arrested in other GCC countries because of my loan in the UAE? I got a job offer and I want to settle that loan ASAP. Please advice!

Q: I have an unsettled credit card in the UAE, and due to the pandemic, I have been unemployed for a long period of time. My unsettled amount was still counting and ballooned because of the interest. It is approximately 20k plus now. My question is, am I banned from traveling or will I be stopped in other countries because of this debt?

The management of individual financial affairs is crucial and all the actions must be weighed down while committing to any financial liability. Whether it's job loss that may have lead to financial failure or the opposite, one must be aware of the personal liability which will not diminish by paying fines for cheque bounce cases. There are two major types of liabilities, criminal liability and civil liability. Each has its own significance, hence, must be dealt with accordingly.

As the bilateral relations between India and the United Arab Emirates have witnessed a rapid growth in the recent past, and to further augment their strategic partnership, the Central Government of India has on January 17, 2020, declared the UAE to be a reciprocating territory for the purposes of Section 44A of the Code of Civil Procedure, 1908 (CPC).

Within the framework of judicial collaboration, India and the United Arab Emirates (UAE) entered into an agreement in October 1999 on juridical and judicial cooperation in civil and commercial matters for the service of summons, judicial documents, commissions, execution of judgements and arbitral awards (the 1999 Agreement).