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Facing the civil liability of credit card debts in the UAE

Hi,

I held a bank card once at the limit of AED 14000 and paid enough to the bank. Suddenly, my job was gone and even I paid AED 5000 also to the bank after I got threatened by a collection agency.

After that, I got a job in Qatar. Then while passing in transit, they arrested me in Dubai since the bank filed a case against me. Then I was jailed for more than a week and visited the court and explained my situation.

They told me to pay the fine of 2500 AED and I paid. One day, the bank representatives have mailed me and I replied to them by saying the same statement.

But suddenly today, they called and telling that I have a outstanding dept of AED 18000 and I need to pay them immediately or they will file a civil case against me.

My situation is I am not able to pay them any money because even after I paid them they put me in jail. What should I do now?

I need your advise please.

Al Nassar Advocates & Legal Consultants
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24 Feb 2019, 07:00

Dear Questioner,

Only the bank can help you in this situation. Since the criminal liability is over, the only option in their hands is to file a civil case to recover the outstanding.

If they managed to get a favourable judgement they can even attach your salary [if any].

You may either negotaite with the bank for some more time to pay the amount or ask for a fresh settlement plan.

Thank you.

Regards,

Rajasree Ravivarma

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