Questions & Answers
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.

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