Q: Hi. I am seeking advice about outstanding credit card payments with various banks in the UAE, although I have done a lot of minimum payments to these cards.  Now, I have come back to my home country and the outstanding amounts have been increasing. I suppose there are a case and travel ban against me. Please advise on what I should do?

Q: Can a bank freeze my gratuity if my new company is not listed?

Q: I have a case filed against me by the bank last month end for failing to pay 2 EMIs. I have been unemployed since April 2017 and have managed to pay my EMIs from the settlement I received from my previous company and some other EMIs by borrowing money from friends and families. I haven't been able to find suitable employment during this time and I have AED 52000 to pay the bank (the original amount being AED 254,000). Please advise.

Q: Hi, I need advice. I have got credit card overdue and the interest has piled up almost double than my limit. This happened due to the late salary payment since Dec 2018. My credit card limit is only 25000 and I need to pay back almost 35000. I will not be able to survive with these liabilities with my salary. Could you please advise me on surrendering myself to the police or court will help?

Q: I left the UAE last year with some credit card debt and despite emails to the bank asking for methods to pay from overseas, they never provided the information. They handed the debt to debt-collectors who harassed some people in the UAE telling them there was a travel ban on me. I always wanted to pay the debt, I have numerous emails (to two debt-collecting companies and the bank) offering to do this with a payment plan and yet none of them has responded. My questions: 1. How do I find out if there is a case against me? 2. How do I find out if there is a travel ban? (I would like to return to work in the UAE). 3. How can I negotiate payment with establishments that refuse to communicate? 4. Can I put a complaint into the Central Bank and ask for the debts to be wiped out considering the lack of response to my attempts to pay? Please advise and I will be happy to pay for the appropriate service. Thank you.

Q: I am not able to pay my credit card loan, what could be the consequences? Shall I just wait for my police case?

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.

This Law promulgates the Federal Penal Code (Criminal Law) of the United Arab Emirates. Crimes and chastisement punishments shall be determined in accordance with the provisions of this Law and other penal codes.

This Law applies to merchants, as well as to all acts of commerce carried out in the UAE by any person even though he be not a trader. Commercial matters regarding which specific Federal laws are issued shall be subject to the provisions of such laws, and to the provisions hereof which do not contradict with said laws.

The provisions of this law, promulgating UAE Civil Code, govern the civil transactions in the United Arab Emirates. The commercial transactions remain subject to the laws and regulations applicable in their regard.