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Home > Ask The Get Out of Debt Experts > I’m a Filipino in Dubai and Scared I Will Have to Leave the Country to Avoid Jail. – Hope

I’m a Filipino in Dubai and Scared I Will Have to Leave the Country to Avoid Jail. – Hope

Hope

“Hi Steve,

I’m a filipino currently employed here in Dubai. going for 2 years. I have some personal loans & credit cards here in Dubai. Before, everything is fine because overtime is open in our dept. which makes my earnings more adequate to my expenses & i still can manage all my financial obligations. Then the economic crisis affects our company, our overtime hours has been lessen & almost suspended at all. Now, my basic monthly salary cannot support my monthly obligations paying the banks & sending money back home. I have also tried negotiating with the banks, and their response is that, they can only help who had lost their jobs. Im very afraid that maybe a month or two, i would start defaulting. I also cannot see any hope in our company bringing back the opportunity to have overtime since we are deeply affected by the crisis. Im planning to runaway and go back to my country while i still have a time, to avoid embarrassment if im gonna be jailed.

Is there any chance that im gonna be arrested or jailed in my own country in running away with my debt, with the help of local authorities, particularly in Phillipines? Are the banks & financial institutions here in UAE can manage to sue me in my country?

Thanks, your advise will be a big help.

Hope”

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The Answer

 

Dear Hope,

The reason we talk about actually going to jail in Dubai for debts is because if you fail to pay your debts in Dubai, you do go to jail until you can pay off the debt and get out of jail. From all the research I have done there does not appear to be any middle ground that would allow you to pay less than the amount due and stay out of trouble with your creditors in the UAE.

I can’t believe in this modern age that a debtor prison still exists, but apparently it does in Dubai. And there are no personal bankruptcy laws on the books so that option is out.

From everything that I have read and learned, if you see that you will imminently fall behind on your bills, your are the citizen of another country, and you do not plan to come back to an gulf GCC country again, then leaving Dubai is a reasonable solution to avoid imprisonment.

I can’t think of any stories from people that were sued back in their home country or the Philippines for old Dubai debt. Of course, i suppose if a UAE bank wanted to spend time and money to deal with you back home, it is possible, but not profitable for the bank.

All of that being said, it would not hurt you to seek the advice of a lawyer in Dubai to confirm everything I’ve said.

Big Hug!

Im a Filipino in Dubai and Scared I Will Have to Leave the Country to Avoid Jail.   Hope
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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Mrs. Elizabeth Henderson

    Dear Sir/Madam,

    I am Greenwood Personal Credit Company Ltd in London, we are currently giving out loan at 3% interest rate per annual on loans to all interested persons. Greenwood Personal Credit LTD Company give out loans minimum loan amount 10,000.00 pounds, Euros and United American Dollar and maximum amount of 100,000,000.00 pounds, Euros and United American Dollar.If you need a loan to pay off your debts, student loans, business loans, company loan etc., we can help you today. Contact Email: [email protected]

    Yours Sincerely

    Mrs. Elizabeth Henderson

    Marketing Department

    +447440629330

  • jobless

    Dear Sir Steve,

    I have debts in the bank around AED 10,000, but unfortunately I lost my job and I got sick mild stroke ’till now, I no job because of my illness.If there is any consideration to the bank, like my situation now, please sir Steve I need your reply
    Thanks,
    Jobless

    • http://GetOutOfDebt.org Steve Rhode

      The only option is to talk to your bank and attempt to negotiate a mutually agreeable solution.

  • Mystica

    Any GCC standing loans are insured for the amount of 100,000. If anyone left their debts behind without clearing it, the bank will just claim it. If you don’t owe the bank more than 100,000 then you are safe! they will not bother to chase after you but if you owe the bank more than 100,000 then they may chase after you!

    • Lara Asuncion

      I’m super worried and have sleepless nights. I have an outstanding Loan and Credit card and I went Back home to Philippines. The Collectors or third Party is been harassing me to pay my debts and telling they will get my house and lot because it under my name. is it possible that they can do that?

      • Lara Asuncion

        I’m super worried and have sleepless nights. I have an outstanding Loan and Credit card debts in Bahrain and I went Back home to Philippines. The Collectors or third Party is been harassing me to pay my debts and telling they will get my house and lot because it under my name. is it possible that they can do that?

        need your advice anyone please

      • http://GetOutOfDebt.org Steve Rhode

        I have not heard of any cases being successful with this approach. To be positive you are okay, contact a local attorney and review your situation with them.

      • Lara Asuncion

        What do u mean I’m Okay? I’m stress free.. And I don’t remember that I declare that my property is under my name. and they don’t have a documents that i declare my property and it’s not a requirement at first that i applied for my loan.. So they’re telling me that they will suit me and will get my property

      • http://GetOutOfDebt.org Steve Rhode

        Talk to a local attorney in your area.

  • indian

    Dear Steve,
    I am from India who was working in Dubai before. i lost my job in 2009 and came back to India. I had a personal loan / a car loan / and a credit card. Now since last year the collection agents are vigourously calling me..and I have said them that I am in no position to pay back the money. So..can they sue me in India to recover the debt? Please help.
    regards
    Indian

    • http://GetOutOfDebt.org Steve Rhode

      I have not heard of any other such case where they successfully sued in India.

  • Happy Collector

    Hi ALL Debtors here, first of all how are you guys? Still running away with your liabilities with UAE and other GCC banks? Come on guys it is not how we work nor ‘harass’ the thing you all called, its like more making you remember how do you fill up the form as a professional and agreed to the banks on returning what you owed to them with limited time only but failed to do so. Global Crisis as you’ve all said it hit almost all over the world but it hit much also in the banking area.

    Laws are laws, we collectors and defrauders cannot change it but dont be so annoyed of getting calls, emails, visit nor getting afraid of your debts, for all of you defaulters this is the consequence of leaving your liabilities unattended with middle east banks. We are all not God who can take everything without having any problem in the future.

    Now how to avoid this to happen?????

    Clear your name with the bank that you owed, and lastly avoid getting debts again.

    Thanks & Regards,

  • Happy Collector

    Hi ALL Debtors here, first of all how are you guys? Still running with your liabilities with UAE and other GCC banks? Come on guys it is not how we work nor ‘harass’ the thing you all called, its like more making you remember how do you fill up the form as a professional and agreed to the banks on returning what you owe to them with limited time only. Global Crisis as you’ve all said it hit almost all over the world but it hit much also in the banking area.

    Law is law we collectors and defrauders cannot change it but dont be so annoyed of getting calls, emails, visit nor getting afraid of your debts, for all of you defaulters this is the consequence of leaving your liabilities unattended with middle east banks. We are all not God who can take everything without any problem in the future.

    Now how to avoid this to happen?????

    Clear your name with the bank that you owed, and lastly avoid getting debts again.

    Thanks & Regards,

  • ryessie

    another Bilkish representative called my sister and she is asking where my abouts…

    is it true that they can catch me and send inter pol and give me a criminal case for not paying my credits cards???

    its bothering me and i am worried and very much afraid that they will caugth me and sent to police.

    what i am going to do please help to have peace of mind

  • jc

    why all collectors agents especially bilkish is pressuring me to pay and yet they are telling me that they will file case and send inter pol to catch me…

    i am worried again and they keep on calling and calling about my un settled account… is it really a criminal case?

    pls advice

  • Myla_escudero

    hi! anyone body can give an advise with me I have a friend she’s owe 5th AED in Masreqbank Dubai last 2008 at first she pay for few months and then January 2009 she looses her job so what she did she went home in the phils. Only yesterday 17/07/2012 her mother received a letter from Enzi Corp a legal atty firm stating that her balance is AED. 48,978/- everybody in her family so worried about this matter what she have to do? now she doesnt have a permanent job only a freelancer.she cannot pay her debts.the Enzi Corp can put her inside in a jail?pls reply on my mail: [email protected] asap with big thanks

    • http://GetOutOfDebt.org Steve Rhode

      Is she in Dubai?

    • Diskarte

       google “diskarte”

    • jmgt

      wag siya magpapaniwala sa enzi, bilkish at kung ano anong collecting law firm agencies d2..

  • Jessiegarcia2572

    Dear Hope,

    I want to seek assistant and advice from your good end, i have loan  in Dubai and i left since 2010 due to global crisis, now im here in the middle east and working last feb 2012, i dont know how the collection dept trace me where i am and get my contact number… now they are pressuring me to settle my outstanding balance and give discount in 1 settlement amounting to 37K but i cannot do it… They will file a case that is CRIMINAL CASE and not just a legal case.

    Is there any possibility that they caught me and bring into jail???

    Im afraid..

    What is the bets thing that i can do….

    Please help and advice me…

    • Roniega

      no country can file a case if you are in another country.
      collectors CANT file a case.
      they are hoodwink you they can.
      for commission.

      dare their BLUFF – go ahead file ANY case.
      I HAVE NO MONEY TO PAY YOU!

      • Jessiegarcia2572

           i
        have changed my contact number but still they get my company contact
        number despite of the things i been informed my telephone operator…

        now the scenario is tommorrow is my deadline for 1st monthly payment
        and i dont have money to pay for it… they called me and informed me
        that INTER POL will catch me within tommorrow… and bring to jial…

        is it true? I am very much worried and affraid…

        Please advice and help what im going to do…

    • Poky

      change your phone no.,let somebody get a new one in their names,employees in the collection agency has a contact in the phone company,if you are a million defaulter maybe the bank will sue you,dare their bluff,all collectors are LIARS…

      • Jessiegarcia2572

         most of them are telling me the same…. but im worried and i felt so sad that up to this moment i received another call from them and she told me that INTERPOL will catch me within tomorrow… if i willl not pay them as per agrreement offer sent to me but i cannot pay and my salary is not enough to settle my outstanding balance and credit…

        im afraid and very pressured that tommorrow police will catch me and i dont know who game or where they get my contact details i changed my mobile number and adviced my telephone operator but still they get my number and she told me that they dont care for me and interpol will catch me within tomorrow…

        Is it true???

        please advice im worried and very afraid….

      • Jessiegarcia2572

         i have changed my contact number but still they get my company contact number despite of the things i been informed my telephone operator…

        now the scenario is tommorrow is my deadline for 1st monthly payment and i dont have money to pay for it… they called me and informed me that INTER POL will catch me within tommorrow… and bring to jial…

        is it true? I am very much worried and affraid…

        Please advice and help what im going to do…

      • Poky_mon

        next time don’t answer your phone,try to change it again in others name not yours.did they catch you?if not all they are saying are BIG LIES…be strong,don’t ever believe them they will just stress you.don’t answer them anymore you have the right to decline the call

      • Ding

        To all OFW’s, just borrow according to your capability to properly manage your financial situation. You might succeed  to run away from your debt but you destroyed the image of thousands of innocent OFW. I am against to those who plan to run and those who ran away with their obligations. That is a clear stealing!

  • Jessiegarcia2572

    JayssieRye

  • Jessiegarcia2572

    i am afraid that i left dubai since 2010 with my outstanding loan aning me to pay my depth now im here in the middle east and the bank trace me where i am an dget my number they call me everyday and asking me and pressured me to make payment in 1 settlements… and if not they will file me a cse which is CRIMINAL CASE not as Legal Case… They will caught me and bring into jail… Im a fraid coz i cant [ay the said amount… I found out thae the one calling me is in collection department… What will i do… please help..

  • Barclayloanservice

     ATTENTION:
    welcome to BARCLAY LOAN SERVICE we offer loan to people on bad credit,home improvement loan, personal and business loan, student looking for financial help and to companies etc with a very low interest rate and with or without collateral. any interested one should contact us via email [email protected] with the following information,please complete and summit the information below;
    *******************************************************
    Borrower’s Information
    full name:
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    how Urgent do you need the loan:
    do you understand english?:
    which site did you find our ad?:
    ********************************
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    EMAIL [email protected]

    • Ding

       This Barklay Loans is a predator i am sure. His loan offer is a BIG SCAM!

  • jc

    jc her… irecieve this email just now 8 of may 2012 A pleasant day to you! 
     
    Please be reminded that you haven’t pay any in your account until now so it’s an enough time for you to pay your liabilities with Mashreq Bank (UAE). 
     
     
    I would like to clarify with you that it is not acceptable from the side of the bank that you will pay only if you can.
     
    You had been delayed for a long time and also to emphasize that the reason of forwarding your account to International Agency, because it is due time for you to settle your liabilities. Please be informed that the Bank is demanding for the FULL SETTLEMENT of your account. Your account is due and demandable.
     
    Finally, please be informed that Mashreq Bank has already acquired all the information regarding your present whereabouts.
     
    Your failure to meet their demands, Mashreq Bank reserves the right to notify your employer and the immigration regarding your case.
     
    Please take this opportunity to avoid further inconveniences.
     
    You can call the bank representative Sir Ruzzle Ian Gaon : +971553120281  email add: [email protected]
     
    Hope to hear from you soon.
      
    this is from belkish what do u think i  will do… thanks….u can reach mi here [email protected]

  • JOHNNY

    Hello Steve,

    I am working in Dubai since last 05yrs…Everything was fine and good while this crises has completely changed my life up n down but any how i am trying to balance my personal life by paying the loan slowly but cant make more.I dont get any saving for me or for my family not only that sometime even there is no money to eat my dinner or lunch..

    I am residing from india..After so much of depression i am planning to go back in india and to settle myself..and to start a new life…

    Is it possible that i can start my new life in india and bank people wont give me trouble in india..

    Please guide me..
    John

    • Poky_mon

      go back in india,no one can touch you there,have a better life there,forget the debt no the lesson ….

  • Sunilthomas

    I’m Indian i have left UAE because my company file a case against me for suspecting cheating company money, i’m planning to go GCC country..is there any problem when i comeback to GCC, Is the interpol involve in this matter? please advise…thanks

    • jess

      sunit,

      it don’t matter if you will go back to any gcc country except for uae. you will not be in trouble and you can enter the gcc country you want. i said this because i’m also a loan and credit card defaulter in uae. i left 2010 and was able to go back again in gcc country only in 2012 without any trouble in immigration…

      cheers.

      jess

  • Sheikh Abdul Aleem

    Dear Hope,

    i have one solution which i followed to overcome my credit cards debts,simply i joined in a network marketing where i met so many peoples who already cleared their debts within short span ,i also joined there and worked not very hard but i cleared one of my credit card out of 6,now i decided to clear all my credit card and car loan debts with this business only.if you really want to clear your debts within 6 months or 1 year of time(as per your ability of work) come to attend our networking business presentation to anywhere in UAE or others countries (including phillipines and Arab countries total 86 countries).

    Further Details  Please mail me : [email protected]

    Note : This not only suitable for Mr.Hope,but anyone can attend presentation who want to stay financial freedom,all that you need to spend an hour to come and see then decide this opportunity is suitable for you or not.

    Regards
    Abdul Aleem Sheikh

  • kris

    Hi just want your advice.. Here’s my case i got a loan in ADIB abu dhabi islamic bank. Im paying regularly and timely manner for one year up to now.. Im planning to go to canada for job. Am i able to cancelled my visa here in dubai terminated or resigned?? Im going directly to canada. I dont want to inform to the bank. What im planning is to continue to pay my loan while im in canada.. Im thinking if i will inform the bank that im leaving uae they might hold me in immigration. I dont have intention to run away my depts. i just want to grab the opportunity to work in canada. Please need your advice. Thank u. Godbless – kris

  • Laura

    HI ALL! 5 years ago i left qatar and accepted a job offer in dubai, I left a CC debt of QR 7,500, when i went to dubai i tried to pay thru one of the standard chartered branch there but they refused to accept the money since it is a different branch.. recently i received a call from Japet a collections agency that i have to pay QR 50k. i am currently in the philippines now on vacation and i will be going back to saudi arabia on February, they asked me to pay QR 2k, i will be paying this amount since i also did the same with mashreq, if i don’t pay this immediately on the date given, can they issue a hold departure order? thank u!!!

    • Chloe29 Rn

      hi laura..do u managed to go to KSA w/o a glitch?

  • Chen_khulet06

    hi, i had a loan in citibank bahrain. so far
    i just paid half of it. excluding charges, for
    some reasons that the bank will not accept why
    i stopped paying it. i did not bother myself to ask
    or make any letter to them saying sorry.
    since im scared of travel bann, i just want to ask
    is thier any amount that is liable for bann?
    they dont call me for almost a year already to
    to follow up and ask why i stopped paying them?

    hoping for your advice!

  • Paula Gilbert

    Hi. I am going to Dubai by January next year to work. Currently I’m holding a credit card which I got here in Philippines. Will my employer oblige me to get a new credit card once I’m in Dubai? I hope not since I already have a credit card that I’ve been using for several years now.

    • http://GetOutOfDebt.org Steve Rhode

      I would be surprised if they “required” you to get a new personal credit card.

  • Thornbird92

    This is a brilliant website, i have a peculiar case as i would like to think so , i left Dubai in a hurry due to personal reasons with two credit card debts with outstanding of 15K each , i left dubai in Jul 2011 , since then till date i have paid of the minimumn amount on the CC everymonth as per the statement without fail through freinds in Dubai and will continue to do so,, i get the statement and i arrange for the funds and pay atleast the minimum every month…

    but just before i could leave  i got a call from a bank for a a card that i had closed 4 years ago. they said there was a balance pending i reasoned with them saying i had closed the card 4 years ago and i was in dubai for all these years why did they not contact me than and they said the bank had change hands , after that i received no more calls as i had cleary told them that this card was closed 4 years ago and i will not pay….

    when in my home country i was informed by my ex colleague that this bank had called only once enquiring about me … my concern is i plan in the next 4 months or so to travel through europe and would be transiting through DOHA would this be an issue

    look forward to your response

  • manilyn

    I worked in dubai for 3 years and my company want me to signed a new contract,after i signed a new contract i took my vacation and now im planning not to go back in Dubai ,my question is Iam blocklisted the whole UAE and it is life time ?

  • manilyn

    I worked in dubai for 3 years and my company want me to signed a new contract,after i signed a new contract i took my vacation and now im planning not to go back in Dubai ,my question is Iam blocklisted the whole UAE and it is life time ?

  • Aprilbench_20

    hi i have also the same problem,, i have a principal loan in mashreq for 22k i paid already almost 15k but the bank told me, that because of the intereset and other charges it become 40k,and now i received an email from enzi corporation , that they will file me a case,,in the philiipines and they will also send a copy to International Police,,pls enlightend my mind..coz it really makes me upset knowing i paid already 15k.

    jo

    • http://GetOutOfDebt.org Steve Rhode

      Contact the bank and discuss this with them. See if you can make mutually agreeable repayment arrangements for the balance.

    • Atty Vj

      Hi,

      Do not worry about their threats of suing you in the Philippines.  If ever (and take note this is if and only if your bank thru their legal represenative) is able to successfully establish a standing to sue you before Philippine courts, it would only be civil case.  It will be another legal issue whether they will be able to convince the judge to issue a hold departure order against you.  In our country, our Constitution disavows imprisonment for non-payment of debt.  So don’t worry.

      Should you have any further queries, dont hesitate to let me know.

      Yours truly,

      Atty. Veej

      • Phil Manuel

        Atty. Veej,

        Is it safe travelling with in GCC countries except UAE if I have a pending case in Dubai court due to non payment of credict card and personal loans? I need an advised as I am accepted to work in KSA and visa will be stamped in my passport one of this days.

        Phil Manuel

      • Kris

        Hi atty.

        Hi just want your advice.. Here’s my case i got a loan from a islamic bank. Im paying regularly and timely manner for one year up to now.. Im planning to go to canada for job. Am i able to cancelled my visa here in dubai terminated or resigned?? Im going directly to canada. I dont want to inform to the bank. What im planning is to continue to pay my loan while im in canada.. Im thinking if i will inform the bank that im leaving uae they might hold me in immigration. I dont have intention to run away my depts. i just want to grab the opportunity to work in canada. Please need your advice. Thank u. Godbless – kris

  • Loyolajasmine

    Hi my name is jamine..i have a bank loan in citybank Dubai and I already left the country without settling my financial obligation, Now I went back to my home country, Indian. There is also a city bank here. Are they going to arrest me for not paying the loan in citybank dubai? And is it possible to go other country like canada?

    • http://GetOutOfDebt.org Steve Rhode

      You may face some collection activity in India but they can’t arrest you. I can’t see any reason why you would not be able to travel to Canada.

  • Kurtryanvillegas

    Hello Steve

    I worked in Abu Dhabi in 2005 and have a vacation leave in my country but unfortunately my father got sick and i was not able to come back to my work and left a personal loan and credit card unpaid and only last year that a collection agency The Bilkish contacted me through email regarding my unpaid loan amounting to 80K aed including of interest and other charges, I spoke to their representative here in the Philippines and ask if im qualified for an amnesty or credit insurance shield and asiking for consideration regarding my debt, they told me that they will discuss with the bank my concern I also asked if they already filed a police case against me because i have a job offer in Qatar, Is it possible for me to work in Qatar?? I already started paying my loan in amount I can afford last May of this year, I received an email from bilkish representative that the bank did not file the police case against me, how will i know that there is no police case against me?How safe for me to work in Qatar? waiting for your response..thank you.

     BarelyBreathing

  • Kurtryanvillegas

    Hello Steve

    I worked in Abu Dhabi in 2005 and have a vacation leave in my country but unfortunately my father got sick and i was not able to come back to my work and left a personal loan and credit card unpaid and only last year that a collection agency The Bilkish contacted me through email regarding my unpaid loan amounting to 80K aed including of interest and other charges, I spoke to their representative here in the Philippines and ask if im qualified for an amnesty or credit insurance shield and asiking for consideration regarding my debt, they told me that they will discuss with the bank my concern I also asked if they already filed a police case against me because i have a job offer in Qatar, Is it possible for me to work in Qatar?? I already started paying my loan in amount I can afford last May of this year, I received an email from bilkish representative that the bank did not file the police case against me, how will i know that there is no police case against me?How safe for me to work in Qatar? waiting for your response..thank you.

     BarelyBreathing

  • Margedubai

    Hi Sir,

    I would like to inquire if in case you have a case in the UAE for Credit cards and Loan can you they file a case against you in your home country? Can they sieze the properties of my parents back home and there is one collection agent that they are going to keep my son until I have paid my loan.  Can they execute any case against me in my home country?

    I hope you can enlighten me regarding this matter

    Johanna

  • Margedubai

    Hi Sir,

    I would like to inquire if in case you have a case in the UAE for Credit cards and Loan can you they file a case against you in your home country? Can they sieze the properties of my parents back home and there is one collection agent that they are going to keep my son until I have paid my loan.  Can they execute any case against me in my home country?

    I hope you can enlighten me regarding this matter

    Johanna

  • chabilita

    hi hope i also work from uae and have the same case… theres this person came from bilkish telling me to settle the amount of 10,000dhs. not later than march 25. i still don’t have a work so how am i going to pay that? im planning to go to australia is there a possibility of travel ban in all the country? im so worried about this i don’t want to run from my debts but im still broke… is it true that they can file a case against me here in the philippines? what happened to all the person who received a message from bilkish? pls. give me info. tnx chabilita

  • HOPE

    Let one of your friend check in Muraquabat police station. Give your passport number, just make an excuse or a bluff before asking the police. I think you still doesn’t have a police case since it takes 6 to 8 months in recovering before they finally give up. Go home dude. Have a happy life there insted in Dubai.

  • HOPE

    Hi NAZEAD, this is HOPE. If youre still in Europe now & planning to go back here in the Philippines, make sure that your flight are not associated in TRANSITING in Dubai. Or else you can be arrested. Those collection agents are using all their possible resources even social networks to harassed and intimidate you. But they cant do anything unless your foot wont land in any GCC country anymore. By this time, I believe they might have filed a police case. It’s been a year now also & expecting to receive letters from Collecting agency based here in the Philippines, but still get nothing. God Bless.

  • nazead

    hi, I left UAE for more than a year now with an unpaid loan/credit cards. the loan monthly payment was deducted automatically from my salary, except for the credit cards which I have to pay myself directly to the bank or somewhere else, so there was no cheque issued. by the way, someone from the bank managed to find me in facebook and tells me that my case had been forwarded to the authorities and that I will have a travel ban unless I pay them back..I now live in europe and thinking of going home to philippines, is there a possibility that I can get arrested or they can hold me in the airport immigration due to my unpaid debts in UAE?

  • nazead

    hi, I left UAE for more than a year now with an unpaid loan/credit cards. the loan monthly payment was deducted automatically from my salary, except for the credit cards which I have to pay myself directly to the bank or somewhere else, so there was no cheque issued. by the way, someone from the bank managed to find me in facebook and tells me that my case had been forwarded to the authorities and that I will have a travel ban unless I pay them back..I now live in europe and thinking of going home to philippines, is there a possibility that I can get arrested or they can hold me in the airport immigration due to my unpaid debts in UAE?

  • Jason

    Hi bloody hell. I think you need to know more about criminal law. bouncing check law is a criminal offense. Criminal law is jurisdictional. Since the crime was commited in other country, there is now way that philippines courts have jurisdiction over the case. So what you are saying has no basis and therefore its false.

  • Jason

    Hi bloody hell. I think you need to know more about criminal law. bouncing check law is a criminal offense. Criminal law is jurisdictional. Since the crime was commited in other country, there is now way that philippines courts have jurisdiction over the case. So what you are saying has no basis and therefore its false.

    • nazead

      hi, I left UAE for more than a year now with an unpaid loan/credit cards. the loan monthly payment was deducted automatically from my salary, except for the credit cards which I have to pay myself directly to the bank or somewhere else, so there was no cheque issued. by the way, someone from the bank managed to find me in facebook and tells me that my case had been forwarded to the authorities and that I will have a travel ban unless I pay them back..I now live in europe and thinking of going home to philippines, is there a possibility that I can get arrested or they can hold me in the airport immigration due to my unpaid debts in UAE?

      • HOPE

        Hi NAZEAD, this is HOPE. If youre still in Europe now & planning to go back here in the Philippines, make sure that your flight are not associated in TRANSITING in Dubai. Or else you can be arrested. Those collection agents are using all their possible resources even social networks to harassed and intimidate you. But they cant do anything unless your foot wont land in any GCC country anymore. By this time, I believe they might have filed a police case. It’s been a year now also & expecting to receive letters from Collecting agency based here in the Philippines, but still get nothing. God Bless.

      • chabilita

        hi hope i also work from uae and have the same case… theres this person came from bilkish telling me to settle the amount of 10,000dhs. not later than march 25. i still don’t have a work so how am i going to pay that? im planning to go to australia is there a possibility of travel ban in all the country? im so worried about this i don’t want to run from my debts but im still broke… is it true that they can file a case against me here in the philippines? what happened to all the person who received a message from bilkish? pls. give me info. tnx chabilita

      • Jhuls

        hi nazead, did you leave dubai with visa cancelled or not?

  • grace

    Hi Joy,
    Pray hard and you’ll get through this..

  • grace

    hello CK, my heart goes out t you as we suffered the same fate. At least you managed to secure a job over here. I,myself are being harrassed as well, thank God only via email. No calls, no visits and I saved myself from humuliation in the neighborhood as well as my parents from taking its burden. Anyhow, I’ll pray for you and to the rest of us having the same fate. The Lord is our shield, our protector..read Psalm 23 and Psalm 91.
    God Bless…we’ll get through this.

  • Aira_amin

    i received a bank statement account from emirates NBD… and they put returned cheque insufficient fund… this is my payroll account… but this ATM card/account number was lost when im in my vacation.. i inform the bank that i lost my ATM card… i have credit card that is automatically deducted on my salary/atm card… due to my lost ATM card i pay my credit card through Al Ansari exchange but due to financial crisis i only pay below minimum… one of the call agent called me to pay that certain amount.. so on that day i paid the said amount but after a week they texted me that returned chq no: insufficient fund…. and now i received my bank statement of account stated transfer cheque return, insufficient fund… what will i do with this… do they already filed me a case… how long does it will take effect if they filed me a case… do i have record in the immigration… im really worried i want to home but im afraid if they catch me in airport.

  • amsterdamgirl

    The freaking thing is the horroble bank in Dubai take their risk in all those Filipino people who lend money from their bank.I would say its stupid from them and when the Filipinos cannot paid anymore and went back home they will hunt them down? That is so cruel. Whoever those Lawyers working together with those Bank in UAE they should go to heal. They should protect their own people and never sue them for this reason because nobody really wants their situation to go and move back to the Philippines, because of recession or health problems. The Filipino Lawyers should be enlighten that ones and for all this is not those Filipino’s wish. Those money was insured by the bank anyway please let those people live in peace and help them surpassed this trials. They said this is just a civil case. My brother has the same isssue. He got loans or credit in the bank there in UAE. He need to go back silently in the Philippines because of his health problems. Even trying to explain the bank his situation they wont listen and will make him more stress which is really bad for his heart. I am so devastated about it knowing he is willing to work and paid his debts.Now he is still coping up with his heart problems and this freakin local lawyer offices send a letter . He is freakin out ofcourse! anyway he decided not to contact the local lawyer and will just wait in the trial court if they will really proceed the case. I feel bad about this situation but I am confident that we will win the case if there is any.If you are a lawyer and can help me dealing with this case, please I would be willing to read your opinions. He went to the lawyer already and advise him its just harassment. If they get my own property since I am his sister – I will make it sure that lawyer who sue him will get something from me , I will sue them back.

    • Aira_amin

      i received a bank statement account from emirates NBD… and they put returned cheque insufficient fund… this is my payroll account… but this ATM card/account number was lost when im in my vacation.. i inform the bank that i lost my ATM card… i have credit card that is automatically deducted on my salary/atm card… due to my lost ATM card i pay my credit card through Al Ansari exchange but due to financial crisis i only pay below minimum… one of the call agent called me to pay that certain amount.. so on that day i paid the said amount but after a week they texted me that returned chq no: insufficient fund…. and now i received my bank statement of account stated transfer cheque return, insufficient fund… what will i do with this… do they already filed me a case… how long does it will take effect if they filed me a case… do i have record in the immigration… im really worried i want to home but im afraid if they catch me in airport.

      • HOPE

        Let one of your friend check in Muraquabat police station. Give your passport number, just make an excuse or a bluff before asking the police. I think you still doesn’t have a police case since it takes 6 to 8 months in recovering before they finally give up. Go home dude. Have a happy life there insted in Dubai.

      • Abesantos44

        I have credit card in UAE which is FGB, they really put me in jail, i was jailed for about 19days, but supposedly it should be 43days, the court ask me i will pay the 8000dhs cheque which is bounced, i said i cant since i dont have money and i paid FGB more than what I owe and i said to them that amount is inclusive of lots of interest.  They release  me and ask me to pay 600dhs as processing fee.  The FGB bank use their blank cheque and get digital copy of your signature in application form and put it in their blank cheque because I dont have any cheque issued.

      • Maddy2707

        hi abesantos44, 
        are you saying that they will release you if you say you dont have money to pay and upon payment of fine or fee? my brother is in the same situation now..in jail over bank fraud(credit card debt) in dubai. they detained him and he says people have been advising him to just serve it out coz he owes the bank less than 10k anyway and that accounts for maybe 15 days jail time. is that correct? 

      • http://GetOutOfDebt.org Steve Rhode

        From what others have shared, doing the jail time to resolve the issue is not a horrible idea in this situation. Some people have even taken vacation time to do it.

  • attorney

    bloody hell. please be informed of this article and browse this: http://blog.pinoy-business.com/bouncing-checks-bp-22-matters-a-layman-should-know/ so that you will not mislead filipinos:
    Bouncing Checks (BP 22): Matters a Layman Should Know

    Checks are commonly used in business. Some people, however, still have this misplaced confidence in the deterrent effect of Batas Pambansa (B.P.) Blg. 22, also known as the Bouncing Checks Law. While it’s important to observe certain reminders to prevent check fraud, here are some things a layman should know:

    1. The issuer is not automatically liable simply because the check “bounced”. A check (or “checque”) generally “bounces” when dishonored upon presentment (reasons include, account closed, drawn against insufficient funds or DAIF). However, it is indispensable that the issuer must be notified in WRITING about the fact of dishonor, and he has 5 days from receipt to pay the value of the check or make arrangements for the payment thereof. This requirement, however, had been relaxed in a case.

    2. Filing fees are generally not required for criminal cases. For B.P. 22 cases, however, the complainant is required to pay the filing fees (based on the value of the check/s and the damages claimed, just like in civil cases) upon filing of the case in court.

    3. No warrant of arrest is issued unless the accused fails to appear when required by the court. One major deterrent against bouncing checks is the threat of a warrant of arrest being issued once the criminal case is filed in court. This is no longer true.

    4. The court can’t issue a hold-departure order (HDO), even if a criminal case under B.P. 22 is filed. All violations of the Bouncing Checks Law, regardless of the amount involved, are filed only with the municipal/metropolitan trial courts. These courts cannot issue an HDO.

    5. Courts have the discretion of imposing: (a) imprisonment only; (b) fine only; OR (c) both. It is entirely possible that only a fine, without imprisonment, is imposed.

  • Bloody Hell

    here’s the thing. Banks from Dubai and other GCC countries have allocated funds for these cases, for people who ran away from their loans and financial obligations. The sad part is, they will not stop even we’re here in the philippines. Banks in Dubai will wait for one year at least before they chase you in our own country. Then, they will hire local lawyers here to chase you, and these lawyers are not cheap ones, and they are not just “collections agents.” Emirates Bank and HSBC hire legal services of R.V. Domingo Law Firm (you can google this), and this is high end law firm in our country, similar to ACCRA Law Office. Remember that when you applied for a credit card and personal loans in Dubai, Qatar, GCC Countries, you were asked to sign a blank cheque? The banks already issued that blank cheque and it bounced already because there are no funds to get you covered. Now, these banks are now legally covered to chase you anywhere in the world. The anti-bounce cheque law (different countries have different terms on this case, nevertheless, the concept is the same, the debtor issued a cheque and it bounced back.) is an international law and recognised in all countries. Once the local law firm here in the Philippines started to contact you, they will count 3 to 6 months from the day they receive the job order from the GCC bank to chase you. After 3 to 6 months, if the local law firm here fails to contact you, they will file the case in any metropolitan trial court in the city, and will charge you for the Batas Pambansa 22, or the Anti-Bouncing Cheque Law. This law can be classified as Criminal if proven that the plaintiff (you) has a motive at the initial application of the loan/credit card to run away. When pleadings began at any RTC and with your absence, your civil case will now be filed into motion to be a criminal case. Once it becomes a criminal case, the local law firm will now forward your case to DOJ (dept of justice) to issue a Watchlist Order to prevent you from exiting the country. Watchlist order lasts up to 60 days from the date it was filed and can only be extended once to an additional 60 days. you should not leave the country within these times, else, you will be caught at the airport, take you to prison and you can later bail out based on the amount of the plaintiff’s acquired loan and outstanding credit card unpaid payments. After the 120 days watchlist order filed against you, the DOJ will move the case to HDO or hold departure order where in you will be classified as “WANTED” at the airport. you can check further info at: http://www.doj.gov.ph/files/hold%20departure.pdf

    Your names will not be included at the NBI because NBI does not take any cases that involve money, even estafa. The mandate of NBI as per Malacanang order, series of 2000, is to take criminal cases, like, estafa that includes homicide, murder, etc, then you will be hunted down by the NBI.

    What’s the next thing to do? If you have properties under your name, don’t ever let the local law firms know that, because that will be included in their case file against you and will forward the information to the RTC and the law firm will request to liquidate your properties, and since you have a pending case on trial, the anti-bouncing cheque law, you will lose and the law firm will take your properties.

    There are really no legal ways to escape a case filed against you under th B.P. 22. It’s either you settle it, run away from it, or leave the country as long as your name is not yet on the HDO or WLO.

    • Poky mon

      maybe bloody hell is a collector :)))))))))….bka tauhan sya ng MILKISH hahahaha  :)

      • akoutang

        uu nga, hehehe, bloody milkfisk,este,milkish or bilkfish

    • jmgt

      bloody hell ..in your dreams.. pwede ba wag ka magstory telling jan.. tindi nmn ng imagination mo gumagawa ka pa ng scenario..daig mo pa tlaga ang bangko d nakakatulong sa mga kababayan abroad na may mga unpaid utang ang historya mo wag ka basta basta magpopost ng advice ng walang legal basis. ang haba haba wala nmang kwenta .. unless collector / agent ka, no wonder para lang makasingil ng datung kung anik anik ang ipantatakot.. aber kung ang properties ko dito lumang tv at nabubulok na refrigerator pagiinteresan pa rin ba ng bangko .. kalokohan.. pak na pak… maawa ka na lang sa mga kababayan nating me utang lalo na sa uae dinadagdagan mo ang mga worries nila sa mga pinagpopost mo tablan ka naman…

  • LR

    Hi Guys,
    My wife had almost same situation,she has unpaid credit card debt in dubai. we are in the Philippines right now and we were staying almost 3 months here, and we decided to be married recently.
    My question is if they can still trace my wife even if she already changed her surname?

  • ahm1976

    guys,. I have the same situation :( . I’m now in Egypt and the collectors called me 4 times on my mobile ( don’t know how they got my mobile number ) ., they intimidate me to present the CHQs to the Egyptian court..
    now I have Salary transfer bank account. My question now is. can they get any INFO about me through that bank ??? as im not living anymore in the same address which Dubi banks have it,.

  • Daphne

    Dear CK and Joy,

    It is quite difficult for the bank to file a case against you in Philippines as there is no strong grounds as you got the money or the transaction happened from here in Dubai Bank. The collectors assigned in Phils are just there to harass you, scare you and torture your brains out so like this you will pay.

    As far as am concerned they can not give you as well travel ban. And if so they insist tell them how in the world you can pay the monthly installment without working abroad??? In talking to this people you need to be diplomatic too sometimes it helps. If the property is written under your name yes they can try to get that from you. As well while you are facing this problem live in a low profile lifestyle yes no travelling first to outside country even Asia.

    Well till here and hope were able to help you and give an insightful info.

  • CK

    Hi Guys,

    I hope you could help me. I know its really bad for a person to have a bad credit. Especially for other countries. Guys I hope you could understand me and help me with the situation.

    I went to Dubai 1 1/2 years ago to apply for a Job. My mom told me that its been 2 years that she haven’t paid our monthly amortization. I was scared because we might loose our house. Our house that I grew up with. The dream house that my mom and my dad invested their whole lives. I tried to get a personal loan with one of the banks in Dubai. I almost go a huge lump of money to be able to pay for the whole amortization of our house with some extras. I paid my debt in all of my credit cards and all of my personal loans here in the Philippines.

    Here is the sad part.

    I was almost terminated because of the recession which is currently happening in Dubai. They gave me 30 days to look for a job but its hopeless in these times. I went back home here in the Philippines. I left my personal loan and some credit card debts unpaid in UAE. I never expected this would happened to me. I never intentionally want to have a bad credit or leave my obligations there. Due to the fact that I can no longer pay my monthly dues. I left Dubai silently and resigned immediately and never to return.

    I left Dubai last July and started my new life again here in the Philippines. Working again here earning enough for my family to eat 3 times a day and able to send off my brother to college.

    After nine months of worry free, an agency collector which is an outsource of the bank from Dubai and came to our house. They are looking for me regarding the unsettled debt and personal loan in Dubai. Me and my mom tried to negotiate with them however we really cant pay the minimum payment. I am willing to pay in small amounts just to let them know that I have a clean intension to pay my dues. However, I really don’t have the money to pay 15,000AED that is x13 in pesos. That is only for the minimum. If i don’t paid that amount, they will file a case and they said, they will file a travel ban for me if I go out of the country. I really don’t have the means to pay for it. I wanted to pay for my debts however, I cannot because my salary here in the Philippines is 18K PHP per month. If I don’t leave the country, how will I pay for it. Will I just play the lotto and wish for my luck?

    Now here are my questions:

    If I cant pay my debts?

    Am I really ban to go out of the country or is it just UAE or GCC(Gulf Counties)?
    Will I have a permanent records on my NBI?
    Will there be an international law that will apply in Philippine Law that bank can sue me here in the Philippines?
    Will the bank would be able to repossess my house since this is the only property that I have.
    Will I go to jail?
    Will I be terminate in my current job if they knew I have this case?
    Is this really a criminal case?
    Am I really stuck here in the Philippines and I cannot go out of the country for work?
    Will my credit status here in the Philippines gets affected?
    Is there any hope for me?

    To tell you guys honestly. I think I’m the youngest person here in the Philippines who has a debt to another country for 1.8 million Pesos and I’m just 25 years old.

    Hope you could help me guys. I do really need your advise.

    Thank you so much and God bless!

    • Ernie

      Hi CK as far as i know a debt is considered as a civil case. only a criminal case can cause you to be ban for going outside the country..

      • ernie

        Hi CK its me Ernie, i had put a link here http://failuretopaycreditcard.blogspot.com/ just try to read on it and it will give you a lot of insights on dealing with current situation that you may have… I am also having the same situation as you have right now.. i left Dubai Last 2009 with an unpaid debt. Someone from Belkish International sent me an email to settle my account to the bank.

      • rs

        ernie,

        i have same situations with you there is also one guy from Bilkish whose kept on sending me regarding my bank settlement thru my facebook and friendster…what your did?? did you bother to reply with them…sent reply pls..

    • grace

      hello CK, my heart goes out t you as we suffered the same fate. At least you managed to secure a job over here. I,myself are being harrassed as well, thank God only via email. No calls, no visits and I saved myself from humuliation in the neighborhood as well as my parents from taking its burden. Anyhow, I’ll pray for you and to the rest of us having the same fate. The Lord is our shield, our protector..read Psalm 23 and Psalm 91.
      God Bless…we’ll get through this.

    • Atty Vj

      Dear CK,

      You may be banned from going out of the country if the Bank actually files a collection case against you before our civil courts in the Philippines and is able to get a hold departure order against you.

      Only criminal cases are reflected on NBI records.  Civil cases are not.  The bank will not be able to file a criminal case against you because non-payment of debt is not a crime under our criminal laws.  You will only be held civilly liable.

      If the bank is able to establish a standing to sue you before Philippine courts, then they may attach your house.  However, if the house is under your parent’s name, then such property may not be attached.

      Regarding termination from work, I have yet to see your company manual, hence I cannot comment on that.  But concealment of a civil case against you or the fact of having a civil case against you alone may be a ground for termination.

      If you have any further queries, do not hesitate to let me know.  You can reach me at [email protected]

      Yours truly,

      Atty. Veej

  • http://getoutofdebt.org/7538/im-a-filipino-in-dubai-and-scared-i-will-have-to-leave-the-country-to-avoid-jail-hope joy

    Hi,

    I have almost the same case as yours. I am currently in Philippines and dont have plans in coming back to Dubai or any GCC countries since I owe a huge amount, AED 280,000 (personal loans and credit cards from different banks). I am afraid that they might file a case against me here in Philippines since I have a huge amount not been paid.

    Can I still travel within Asia?

    Please advise.

    Joy

    • berry

      hi joy!are u in the philippines right now? its quite a big money.. 280K AED. I was in Dubai also back then.. i want to know if bank are starting bugging you there in Phils? Can I get your contact details, such as email ad? I want to know what might happen..

      thanks in advance!

      • Phil Manuel

        Hi Berry,

        My situation is the same with Joy. I left with large amount of pending liablities with the same amount.  I left UAE silenty on vacation but my visa was not cancelled. It’s almost 2 years now since I left.  The bank keeps calling my mother during the first 4 months but now, they never called up again.  I even changed my contact number and never put my real name in social networks site.

        Am planning now to work overseas again may in tow years from now or if the situation in Libya will be alright.  Is there’s no probs for me entering on that country even if it’s an arab country?

        Good thing I have a stable work now but still the remuneration is not as good as before..

        Phil Manuel

    • grace

      Hi Joy,
      Pray hard and you’ll get through this..

  • Daphne

    Dear Hope,

    Escaping is the short cut in solving your problem. The reason I write here because I wanna inform you of other things that may help you see what might and could happen if so you didn’t pay regularly. First you can make arrangement with the bank on a set payment plan. If this will work it will help regards your bank record. If that won’t work and worst to come yes they will file complaint to the police regards bounced cheque and you will be taken for custody for a day (if you have a friend who can guarantee you by giving their passport to the police then you can get out of jail and deal to solve the matter but you have only one month to do that so be prepared) if not then the next morning you will be asked to face a prosecutor in court and their you will asked if you intend not to pay of course you will answer no and you will then be asked are you willing to pay and you should answer yes and the court will give you the time table to settle the amount and note that the payment plan they will give is convenient for you. For me better to face your problem than running away from it. Still working in the Emirates is far better than any other country in the world.

    Goodluck!

  • jhe

    Hi, i am in the same situation but I just want to ask if they can sue my husband who is currently in dubai for my unpaid credit card and loans? all of my debts are named after me and he did not sign any papers during the application. I am currently out of dubai now. please help me. thanks

  • jason

    dear hope,

    marielle is right. i, too have the same situation as yours and marielle. leave silently. if your passport is with your epmployer…. make an emergency leave…so that they will give your passport. do not even tell other filipinos there your plans instead plan on your own. since fellow filipinos also try to leak whatever plans we have. crab mentality per se. go on. do not take it seriously. leave the soonest time possible. good luck

  • marielle ayessa

    Dear Hope,

    dont worry so much about your debts, stressed makes yourself ill, and if your ill the banks can’t help you. dont listen too much to them because its part of their job to be arrogant to the debtors sometimes. im also a banker in dubai before and i knew the policy of all banks.

    i am also a filipino and left dubai last march with unpaid debts (personal loans and credit card) i left my job to join my husband in europe.

    i did not pay anymore my debts until now because i had no work at the moment and i am pregnant. my sister in philippines received some calls from colletion officers from dubai but just few times. and my references in dubai as well.

    i would suggest you to go back to our home country if you really not able to pay anymore your debts because of your financial status at the moment caused of this resession.

    because the bank will not stop bothering you until you are in dubai and do not inform the bank the you will leave uae otherwise they will hold you in the immigration. just leave silently.

    dont be afraid if they will gonna sue you in philippines, because they will not. banks will not spend money to individuals just to sue in other countries or in their home country because its not worthy for them and they can’t anything in return, its just additional losses for them.

    if you received any calls from the banks just ignore it and they will stop bothering you after a month and they will just declared your debts as a bad debts and they can recover that amount to the insurance company. remember that not only you or me has this kind of situation, thousands of people in dubai has the same situations and others are more worst.

    take it easy and dont stressed yourself, its not intentionally that you will escape your responsibility but due to the economic crisis you cant do your obligation. and bank will not understand or accept your explanation, instead they will more force you to pay your dues.

    take care and god bless you

    kind regards,
    marielle

    • http://Website Chloe

      i think your idea won’t help now. My brother is in Dubai now and can’t leave the place because of his bank loan. He can’t escape because his name is already in the travel ban list in the airport.

    • nazead

      hi, I left UAE for more than a year now with an unpaid loan/credit cards. the loan monthly payment was deducted automatically from my salary, except for the credit cards which I have to pay myself directly to the bank or somewhere else, so there was no cheque issued. by the way, someone from the bank managed to find me in facebook and tells me that my case had been forwarded to the authorities and that I will have a travel ban unless I pay them back..I now live in europe and thinking of going home to philippines, is there a possibility that I can get arrested or they can hold me in the airport immigration due to my unpaid debts in UAE?

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