التفاوض مع البنك لسداد متأخرات بطاقة الائتمان

Dear Sir/ Madam,

Thank you for getting in touch with me on this.

I understand your position and very familiar with such actions of the bank as they are taken on routinely manner in the UAE.

Firstly, please let me know what is the total outstanding due as of today and what's the payment plan agreed mutually between yourself and the bank.

Secondly, the bank would have bounced the security cheque and filed a police case reporting this.

Please note that the cheque bounce in the UAE is a criminal offence which may attract penalty in a form of a fine or jail term (depending on the quantum).

Thirdly, if the security cheque bounced by the bank is less than AED 200,000/- then the case will result in payment of a fine.

You can simply pay a nominal fine and get the police case lifted which will, in turn, lift the travel ban as well.

Fourthly, the payment of fine can be made personally by you with you coming down to the UAE (where you will be apprehended at the airport and taken to police) or you can give someone in the UAE your power of attorney to pay the fine and obtain clearance on your behalf.

Lastly, payment of the fine in police case will only release you from your criminal liability. Your civil liability to pay the outstanding principal amount shall remain, for which the bank has to file a civil case against you in the UAE.

Such a civil case does not mean there will be a travel ban on you, however, a ban may be levied upon a judgement from the civil court.

In summary, your priority should be to clear the police case and obtain a clearance to wipe off your criminal record in the UAE. Thereafter, you should engage in negotiations with the bank for the payment of dues.

I trust you will find the above response accurate and satisfactory.

You can get in touch with me for further clarification and assistance for payment of fine/clearing the case on your behalf.

Regards,

Hari Wadhwana

+971 52 9495731