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If I Go to Jail in Dubai For Bad Debts Will My Debt Be Cleared? – Katrina

Katrina

“Dear Steve,

I’m still one of the lucky employees here in Dubai who has their job right now. But I’m stuck with bad debt for my credit card and loan. My current salary is not enough to pay my dues,even how hard i try to budget it… I have plans before to just leave UAE, and back to my home country. But, i know that it will be more complicated, because there is shortage of employment in my country.

Now, i’m really stuck in here…the banks are always threatening me, and i’m really stresses and frightened, so i usually ignore their calls , because they are not going to listen on you. What they wanted is just produce the money that they need on which way you could. It’s really affecting me…

It has come to the point where in i could sleep.. and it affects my job.. After months of stress from the bank, i started to feel numb.I have prepared my self for the worst.. ending up into jail… I just need to know if i will be in jail, and sentence the terms decided by the court will my debt be cleared?

I heard a lot of rumors and In fact a friend of mine, when she was in jail for same case, after 2 months, all her debts are waived. And she was not deported in to our home country. And now she’s looking for a job.

Please let me know, if i served the prison for my case for bad debt will it be waived off? And will i be deported after the jailed terms? Is there any pro bono lawyer here in Dubai, who can i asked for advise?

Katrina”

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The Answer

 

Dear Katrina,

I had not heard about debts being cleared with prison. You will really need to check with a lawyer in the UAE. I wish I had more information for you, but I don’t.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.

Big Hug!

If I Go to Jail in Dubai For Bad Debts Will My Debt Be Cleared?   Katrina
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P.S. Be sure to read ‘The Secret of Surviving Through Difficult Economic Times. What I Learned On My Journey‘.

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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.
  • Roger Dave

    Good day I am Roger Dave by name and i live in united kingdom i will like to talk about the goodness of God in my life after so many months of trying to get a loan on the internet and was been scammed so i became desperate in getting a loan from a legit lender online then i saw a comment from a friend called Walter Chad and he talked about this legit loan company where he got his loan fast and easy without any stress so he introduced me to a man called Mr Majid Robin who controls a firm called Majid Robin Funds, So i applied for a loan sum of ($360,000.00usd) with low interest rate of 2% so the loan was approved and deposited into my bank account that was how i was able to get my loan to keep my broken business running and also to pay off my bills so i am advising everyone of you who is interested in getting a loan fast and easy to kindly contact them via email:([email protected]) to get any kind of loan you need today, thanks as you read the greatest testimony of my life.

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  • mallu

    Can you advise me about personal payment. I was arrested and in jail in abudhabi. but after 2 days i was released in a gaurentee i will settle it with the person. later i lost my job and was unable to settle it till now. Its now 7 months. Those people call and harrash me daily. I will arrange the money and give him. But I need some time. Can they come to my home and arrest me again. I took 50000 but he has submitted for 150000 AED. I gave a cheque to him by trusting him. He promised me he will help me with anamount of 250000 AED. He did this because of some arguments. I am real worried. Please advise.

  • Ritujgnt

    hi….
    i well ask.i was in  jail coz of my cridet card i go to jail in one month now i ask have some agency she call me and she said our case not yet finest but i go to jail for one month pls help me 

  • Smontenegro_03

    hi steve…

    my fiance is in jail now because of unpaid credit card bills,3 months ago he went in jail already but after a week they released him after he paid his one credit card bill..and still he have 2 more cards left..they took his passport and they let him to be free for a while..he still have 2 more unpaid credit cards worth 100,0000aed..and last month they took him again..after a week my fiance called me and he told me that he will be in jail for a month…as far as i know 1 month is only 23 days in arabic calendar..when they took him was sept 12,.and when he called me was sept 18…he told me he will be out by oct 6,but til now he’s not..do you think what happen to him?when his one month will be finish?..is serving on jail can waived off his bills totally?

    please i need an answer immediately..can sleep and i keep on thinking about this…

    thank you…
    Maya

    • Maya

       he’s in abu dhabi by the way..

  • k-z

    same story but here in abu dhabi…my fiance is now in jail ..same issue,unpaid credit cards bills.. but the different is those evil banks sue him for more debts as he took,,they put more interest again and again up to the time that my fiance decided not to pay them..he said he will choose to be in jail than to pay those banks for that amount that he never used to..he will stay there up to 5th of this month..he said inside the jail is not too bad,and also they serving nice food..and they giving time for smoking twice a day..i heard that amount is about 100,000 aed..and the court send him into jail for a month,,and the good thing is his company will still accept him after he will be out..

    at first i cant believe that its possible,,but i trust him a lot..and after reading all comments here,now i will be more fine..

    to those people here who have same cases..dont be afraid..face your problems,dont run anywhere..coz wherever you will go,those nightmare will get it back to you…

    god bless you all…

  • Rhoiex

    Dear Katrina,
     
    If you receive a custodial sentence, will this
    cancel out your debt?
    The criminal case is just that; it punishes the issuer of the cheque. However,
    it does not guarantee, reduce or enforce the repayment of the amount to the
    payee. The bank or outlet will have to take a civil case to recover the funds,
    usually once the criminal case has concluded.
    From a practical perspective this can lead to further issues. For example, once
    someone has served a sentence for the bounced cheque they could face a civil
    case for the owed amount.
    In the event that the court rules they must repay the amount and they are
    unable to do so, then the case can be referred to the criminal court as this is
    deemed a form of ‘contempt of court’. However the court will try to prescribe a
    payment plan where possible.

  • Rhoiexsantillan

    Dear Katrina,

    If you receive a custodial sentence, will this
    cancel out your debt?

    The criminal case is just that; it punishes the issuer of the cheque. However,
    it does not guarantee, reduce or enforce the repayment of the amount to the
    payee. The bank or outlet will have to take a civil case to recover the funds,
    usually once the criminal case has concluded.

    From a practical perspective this can lead to further issues. For example, once
    someone has served a sentence for the bounced cheque they could face a civil
    case for the owed amount.

    In the event that the court rules they must repay the amount and they are
    unable to do so, then the case can be referred to the criminal court as this is
    deemed a form of ‘contempt of court’. However the court will try to prescribe a
    payment plan where possible.

    If you receive a custodial sentence, will this
    cancel out your debt?

    The criminal case is just that; it punishes the issuer of the cheque. However,
    it does not guarantee, reduce or enforce the repayment of the amount to the
    payee. The bank or outlet will have to take a civil case to recover the funds,
    usually once the criminal case has concluded.

    From a practical perspective this can lead to further issues. For example, once
    someone has served a sentence for the bounced cheque they could face a civil
    case for the owed amount.

    In the event that the court rules they must repay the amount and they are
    unable to do so, then the case can be referred to the criminal court as this is
    deemed a form of ‘contempt of court’. However the court will try to prescribe a
    payment plan where possible.

  • Rhoiexsantillan

    If you receive a custodial sentence, will this
    cancel out your debt?
    The criminal case is just that; it punishes the issuer of the cheque. However,
    it does not guarantee, reduce or enforce the repayment of the amount to the
    payee. The bank or outlet will have to take a civil case to recover the funds,
    usually once the criminal case has concluded.
    From a practical perspective this can lead to further issues. For example, once
    someone has served a sentence for the bounced cheque they could face a civil
    case for the owed amount.
    In the event that the court rules they must repay the amount and they are
    unable to do so, then the case can be referred to the criminal court as this is
    deemed a form of ‘contempt of court’. However the court will try to prescribe a
    payment plan where possible.

    If you receive a custodial sentence, will this
    cancel out your debt?

    The criminal case is just that; it punishes the issuer of the cheque. However,
    it does not guarantee, reduce or enforce the repayment of the amount to the
    payee. The bank or outlet will have to take a civil case to recover the funds,
    usually once the criminal case has concluded.

    From a practical perspective this can lead to further issues. For example, once
    someone has served a sentence for the bounced cheque they could face a civil
    case for the owed amount.

    In the event that the court rules they must repay the amount and they are
    unable to do so, then the case can be referred to the criminal court as this is
    deemed a form of ‘contempt of court’. However the court will try to prescribe a
    payment plan where possible.

  • dw

    i have a fiance’ in Naif jail and he was detained at the airport turned over to mr Charles Kabot and the next day he was in court for taxes and workpermits that he had no idea he had to pay he has been everywhere and they alwys take it out of hisextorted me and i love him but what t paycheck off the top they said they don’t do that so ok no problem but, the issue here is i have set 85,000 dollars to the uae and then they say that they want another 25,000 to bail him out when the court order went in the first time we i sent 15,00 and Mr.kabot put up 10,000 and when he went to get him out on bail he was told that they changed there minds they say he only paid his workers 1/3 if there salary so where did the 50,000 that was paid for this, then they said that they wonted me to have the money bye Wednesday no way am i going to be able to even pay this 25,000 they have bled me dry used me i feel extorted here and he has a pay check that if they let him home this would be taken care of its there fault because our money from amaerica is worth a lot of money so you mean that it coast – 1/3 of the money when i have all my records here that i sent it all but the first 20,000 was from his boss but i seen for my self and talk with his boss that was all he could do for him because he didn’t get paid what was due him and he was abandoned left to fend for himself his neigbhiors took him in and thnk God that is not a safe place to be i’m sure you have heard a lot of stories like this before i sure wish there was something i could do for him but they bled me dry     no name 

  • Gmbutt4277

    jail is a very simple soloution,dont worry about jail,if u r going jail its mean u solve ur all finnecial problem,if u want more inquiry dont hazitate and call me 055-3989664

  • Jailed in Dubai

    Dear Sir/Madam

    I did go through the system of jail and I can tell you 99% of the time when you are jailed for your debt, the bank claims risk assurance against the debt and receive about 60% of the outstanding debt.  The banks also increase the amount owing, so they get close to the amount outstanding on the insurance.

    I lost my company and went into the jail system for 18 months and it was the worst thing in my life.  My family left immediately back to the UK, I saw things I would never want to see, BUT if that is the worst life can get, then I am glad I did it to remove the debts I had.

    Finally, once the Criminal case has been served, you can not get another one against that card or loan.  But, you may get a Civil case, which is a lot better, but out of my ten debts I have not received one Civil yet.

    I hope this helps and i am suing Barclays as they are the only bank who continue to chase me and are threatening me here in the UK.

    Finally, the actual main prison in Dubai is excellent and I made such great friend in there as there were so many business people in there.  I also lost 10kg, which I needed to.

    If you have debt, face it with the law, if you can not pay, you will then be able to sleep better.

    Yours

  • Charles

    Dear Steve,
    I have a credit card loan from FGB (16,000dhs) and the bank file a case to me last year due to delayed payment i spend 10 days in jail and the court give me a fine of 2000 dhs.When i get out of the jail the bank still keep calling me saying i still have to pay which i did.I pay minimum amount montly,but recently someone from the bank calling me and saying that it’s not enough he will file a civil case againts me if i didn’t pay the whole amount so  i go to theyre offce and spoke to that guy and he said i should give new passport copy,labour card  copy,and salary statement and i should sign a letter saying i will pay full amount (how many months not mentioned) i did all of that today,but he ask me also a guarantor so that he can give me a 700dhs monthy he said if i didn’t provide a guarantor within a week he will file a civil case againts me.
    My question is in case a didn’t find a guarator they can file a civil case for amount of 16,000dhs only?And the letter that i signed they can use that also to file a case to me in case i don’t want to pay them anymore? becuase somebody tells me they cannot file a civil case not unless a have a loan of 100k above.

    • http://GetOutOfDebt.org Steve Rhode

      it sounds to me as if they are not giving you the truth regarding your account and just using the fear of jail to manipulate you.

      Please find a local attorney and discuss the situation with them and then come back and post an update.

  • Xxxx

    Yes your debts would be waived as per policy in Dubai you can serve in prison to clear your debts if you have no money to pay the bank. The number of days that you will serve in prison will depend on the amount of money your borrowed from them and will depend on the judgement of the court. The court will ask you to settle the amount if you tell them that you cant then the court will decide for you. If for example you owe the bank AED 100,000 and he decided to that you must pay AED3000 and you cant produce any amount on hand at the time of the hearing and you only have to stay in jail for 1 month everyday you are already paying 100 dirhams by sitting in the jail for your debts. You may ask why they will only ask you 3000 dirhams simply because the insurance will pay your debt to the bank. When you got out of jail you are cleared and can start a new life. Now if you dont wanna end up in jail you can go back to your home country and do not wait for your security cheque to reach the police. The minute the bank files or drops your check to the police they will hold you at the immigration and put you in jail. Trust me I have been there and done that. God is great for He took me out of the hell place. God bless you.

  • 786k786

    If after getting sentenced, the case is not over than what is the value of the court & its sentences & why should it be implemented,becoz a person agrees their that he can not pay & than only he gets sentenced and after he serves the sentence than what is fun the bank again come up with civil case for the same case. there should be only one case for a single comit .The bank should be given one chance to sue either criminal or civil

    • http://GetOutOfDebt.org Steve Rhode
    • dh reader

      The criminal case is for not paying up on time or willfully avoiding payment. By serving term, one is not clearing their debt but is ‘paying’ for this. You still owe the money you borrowed from the bank. If it was only the criminal case and time in jail, I am pretty sure that there would be a thousand people in Dubai who would be willing to borrow huge sums for a few days in jail; especially those who are used to getting in and out of jail.

  • Katie

    I think my friend might be jailed for owing money to his employer and may have an absconded case. I am trying to help him but have no way of reaching him and I am not sure how to go about finding out where he may be jailed. Where could I go for info. Thank you for your help. Katie

    • http://GetOutOfDebt.org Steve Rhode

      Call the police.

    • http://GetOutOfDebt.org Steve Rhode

      Call the police.

      • Life_easy Beautiful

        Hi Steve, i bumped into this site because right now my fiance is in jail. Thursday(Jan 19,2012) CID came to his workplace and pick him up. He has an outstanding cc balance with FGB for 18k dhs. 6 months ago he tried negotiating everyday with FGB if they can give him resettlement, since 900dhs is the minimum he pays for almost 2 years and his balance never decrease anyway so why not settle for a repayment plan instead. Finally during that time he was able to speak with a lady from FGB and advised him  they can give him a resettlement if he pays 3.5k and the succeeding months would only be 500dhs…So, he paid 3.5k & paid them 500 per month, then one day another collector from FGB called him and said he is not paying the min 900 dhs.. My fiance told them that they gave him a resettlement and he only needs to pay 500dhs. Guess what, this FGB collector is saying that they cancelled it. We asked the collector how much is his balance and it came up to 19.5k, so what happened to the first 3.5k & succeeding 500 we paid he said to the collector. The collector only responded it was for the interest only. To my fiance’s dismay, he didnt pay his monthly due with FGB.

        Since last september 2011 he stopped paying his FGB card. Ofcourse collectors kept on calling him. He always advised the collectors, he would only pay if they can give a written repayment plan for him or atleast what they call “installment shots” but they always insisted to pay the minimum first then they will give him. Since they filed a case against him yesterday now he is in jail. I asked the police last night on what will happen, what would be the requirements of his release. The police told me that if he can provide his passport or someone else then they can release him. I tried to give my passport but they dont accept female passport. They said if a friend of his (man) then they can release him. Now, I am coordinating with my fiance’s employer if they could release his passport immediately, but since it’s weekend, we will have to wait.

      • Life_easy Beautiful

        BTW, I just want to share what my fiance told me while he was in jail in Al Mullah Headquarters, where he was held first. He said he met alot of people inside with same situation – unpaid debts.

        his mobile was confiscated but still managed to borrow from police officers used theirs and called me, on the phone he told me food was nice there and place was clean. At midnight, he was transferred to Naif Police station and I brought him some clothes, blanket and food. He told me not to worry and he’ll be fine..

        I visited him back but the police told me that I can only come and visit him on Monday & can bring stuffs on Wednesday. I pray his ok. it’s my birthday today and I really am very sad but I know i have to be strong and just wait.

      • http://GetOutOfDebt.org Steve Rhode

        Others here have commented their experience was similar and not as bad as they had feared.

      • Justin

        Hi!  Steve.  I would like to ask an advice about my recent situation.  I have 2 credit cards recently from 2 banks in Dubai.  Over the last two months I am receiving lots of calls from the two banks (a law firm and a recovery department which are handling my case).  They are very harsh while dealing with this scenario.  I have even received a lot of threats from them.  They even sent an email to my current company about verification of my whereabouts warranting my outstanding balance is due which adversely affects my job and and my current status.  

        Sad to say, I was not able to settle my accounts faithfully with the two banks due to the fact that I lost my parents last July 2011 in which I explained to them.  It is hard to live without parents as I am the bread winner of the family.  I have some obligations that I need to prioritize for the survival of my family.  This is one of the reasons why I have had some delinquent payments with unavoidable reasons.  

        Relative to this, I have tried to attend the bank calls, replied their emails approaching of my financial recovery and never attempt to change my mobile numbers as I want to settle my dues as much as I could.  I have a bunch of replied emails which shows that I am willing to pay my debts (a total of 20,000 aed for one bank and a total of 8000 for the other bank) 

        My personal debt really affects my job at this moment as I am experiencing sleepless nights & anxiety. In order to get out of this issue I have paid some partial amount in one of my bank based on what we have agreed and promised to settle the outstanding balance through “settlement plan” starting next month.  

        My questions are these… Do you think they have already filed a police case against me regarding my dues over the past few months considering I have already settled it with them? (2)  Are all my replied emails will be valid in the police/court on case they already raise this issue beforehand against me which shows that I am obliged to pay.

         Thanks a lot.

      • http://GetOutOfDebt.org Steve Rhode

        The police in Dubai have a new debt settlement program they are administrating. It might be a good idea to ask them about it.

        Unfortunately I’ve seen this same situation many times. Unless the creditor puts the offer in writing someone will later come back and say there is not such deal. It’s a collection trick.

        Please keep me posted through the comments how his situation moves forward.

      • Life_easy Beautiful

        Hi Steve, first of all I just want to thank you for such passion on helping by giving advice to each one of us here, and to everyone who has shared their experiences, thank you too.

        I just got home from work. I got a call from my fiance from his cell in Naif Police HQ , he said in 1 cell, 53 people including himself are held & are all sharing , all from different nationalities, It’s totally different from the previous prison he first went to. Since they are overcrowded, he and the others are sleeping on the floor – no mattress, blanket, nothing – just the cold, dirty floor. Anyway,

        He was advised that he “only”needs to pay AED 19k for his release or he can provide his passport as a deposit til he clears of the AED 19k.

        I called the police and asked how his case has been going, to my surprise the police said he was too busy on dealing with other case, so requested me to call him back after 1 hour…. – are they really like this???

        and now im just wondering if my fiance handover his passport, should he ask FGB first to provide a written settlement/agreement???

      • Fafasf

        Hi Life_Easy Beautiful,

        Ask your fiance to hand over his passport for bail. Also, his case might also have been sent to the court (if he has been presented to the prosecutors in the police station. In case it has, then he will get a court date (call 7000 4000 and tell them the case number to find out when his court date is). Most probably, he will receive a fine of around 2k and if you can pay it in court on the same day, he will be freed. This will end his criminal case and he is scot-free to go anywhere he wants. I doubt whether the bank will file a civil suit as the amount is really low. Hence, I would advise to take this recourse and settle the matter once and for all.

        All the best!

      • Jimmy C

        Sorry, that should be 7000 40000.

      • Jimmy

        Sorry, that should be 7000 40000.

  • Hasan

    Hi Steve,
    I have unpaid amount of AED-21000 with FGB, I am in my home country, I want to pay the amount, already contact with respective bank they ask me to pay in single payment  but I cant pay that amount in one shot, already inform them but they didn’t reply me yet. Bank lodge a case under my name, is there any possibility to pay half of they amount and remove my case? Once I reach Dubai I will pay the rest of the amount in installment. Please suggest, I want to go back UAE.

    Hasan, India

    • http://GetOutOfDebt.org Steve Rhode

      It is possible but only if you can reach a mutually acceptable arrangement with the bank. Contact the bank and I would urge you to get any understanding you come to, in writing from the bank.

      Steve

      • Bobby Bedi

        very good site indeed i am impressed.

        I have stories where Bilkish and other collectors took the money from debtors in their home country and never gave them NOC and settlement letter and after sometime they started harassing again.

        In another story i read that even after a guy settled the debts with bank, the bank didnt issue any settlement letter or NOC and the collectors are still harassing him. The bank guys just refuse to answer him. He wants to go back to Dubai but bank is not cooperating.

        Then what are the options left? While we are in our home country, shall we settle with collectors? or directly with bank? both are unreliable.

        One good suggestion i got that (while you are still in your home country) i should get a local lawyer to talk to bank as well as debt collectors instead of talking to them directly. If you are not able to reach any settlement with the bank, just dont settle it then. The lawyer should help you in getting rid of the collectors  harassment.

        What do you suggest Steve?

      • Bobby Bedi

        very good site indeed i am impressed.

        I have stories where Bilkish and other collectors took the money from debtors in their home country and never gave them NOC and settlement letter and after sometime they started harassing again.

        In another story i read that even after a guy settled the debts with bank, the bank didnt issue any settlement letter or NOC and the collectors are still harassing him. The bank guys just refuse to answer him. He wants to go back to Dubai but bank is not cooperating.

        Then what are the options left? While we are in our home country, shall we settle with collectors? or directly with bank? both are unreliable.

        One good suggestion i got that (while you are still in your home country) i should get a local lawyer to talk to bank as well as debt collectors instead of talking to them directly. If you are not able to reach any settlement with the bank, just dont settle it then. The lawyer should help you in getting rid of the collectors  harassment.

        What do you suggest Steve?

      • http://GetOutOfDebt.org Steve Rhode

        Settling is always a possibility but YOU MUST get the agreement in writing first from the bank. Keep that and proof of payment together so if you need it in the future you will have it.

        I would suggest you enter into a settlement agreement directly with the bank to avoid a future possible position that the collector did not have the authority to agree to those terms. In the UAE it is so important to make sure the paperwork is good and the creditor agrees since the last thing you want to do is be detained at the border or arrested.

        I agree that using a third party in this case is a smart decision. A lawyer in your country or in the UAE would be a smart move.

  • Hasan

    Hi Steve,
    I have unpaid amount of AED-21000 with FGB, I am in my home country, I want to pay the amount, already contact with respective bank they ask me to pay in single payment  but I cant pay that amount in one shot, already inform them but they didn’t reply me yet. Bank lodge a case under my name, is there any possibility to pay half of they amount and remove my case? Once I reach Dubai I will pay the rest of the amount in installment. Please suggest, I want to go back UAE.

    Hasan, India

  • Awkhan77

    hi all

    i lost my car which is my friend handed over to me and go to aother country , this car with me round one year and some time i use not continue, cos i dont know my friend still paying in the bank instalment or not, lst week what h append my car took some one , its bank recovery or police took i dont know, i m afraid so i never inform to police station cos m not the owner of the car, i am just upset for last 1 week where is the car and how i inform to my friend your car is disapear. i want to know that there is any problem if i go to police station and complain about this, i am worried about this and the car is still  under name of my friend. i dont know what i did. please help me about this case

    thanks

  • Braintumorsurvivor

    Good day. I have outstanding balance of 2 credit cards, the first one is around 1,500-2,000 and the other one is about 1000-1500. I wanted to go back there in Dubai to work. Before, even though I was OUT ALREADY in Dubai, I was able to pay may debts there, but because of an expected event, I need to undergo brain tumor surgery I wasn’t able to send money to my friend for her to pay my balances. With those amount, how many month or weeks will I serve in jail? And, if I case has been filed, can I still get a visit visa or employment visa from my possible employer? Please, I need an advice. Highly appreciated. Best Regards to All!

    • Braintumorsurvivor

      can they still issue a visit visa or employment visa for me to go there though I have a case filed from the bank?

      • kerzt

        hi! i have already gone to jail for a month in year 2008 because of credit card with Dubai First amount of 8000dhs. now, after 2 years bank still forcing me to pay but with the amount of 38000dhs. i got shock and now dont know where to get this amount i cannot pay anymore the 8000dhs and now my debt became more and they’re claiming because they added already the interest and charges. now bank is threatening me that they will file a civil case against me. can somebody please help me!!! i tried to negotiate with the bank bu they want me to settle the 38000Dhs.

        will i be charge of civil case? is there any other way i can lessen the amount or not to pay them anymore since i already suffured 1 month inside the jail. Please help!

      • uaedebtor

        Don’t worry tell them send me the civil court judgement and I will pay.In civil court you dont’ need to pay more than your principal amount they will not consider the interest and other charges and it can be paid in installment.They want only 8000 that is why they asking 38000.They never file a civil case because your principal amount 8000 and you know the layer fee in uae civil case is more than 50000 per case.So don’t worry if you can change your contact number

  • Braintumorsurvivor

    Good day. I have outstanding balance of 2 credit cards, the first one is around 1,500-2,000 and the other one is about 1000-1500. I wanted to go back there in Dubai to work. Before, even though I was in Dubai, I was able to pay may debts there, but because of an expected event, I need to undergo brain tumor surgery I wasn’t able to send money to my friend for her to pay my balances. With those amount, how many month or weeks will I serve in jail? And, if I case has been filed, can I still get a visit visa or employment visa from my possible employer? Please, I need an advice. Highly appreciated. Best Regards to All!

  • Africarsltd

    well dear katrina , its simple the bank can make case in police as criminal or they can make case in civil either way you have to face the law , if it goes to police u have to pay or serve the sentance  according to ur loan , or 10% possibility to get fine and free,
    if they go to civil  the judge will only look at real amount which u took as loan and pay in monthly basis no jail in this case . so not to worry  face it and get ride off the case…
    regards

    • kerzt

      hi! i have already gone to jail for a month in year 2008 because of credit card with Dubai First amount of 8000dhs. now, after 2 years bank still forcing me to pay but with the amount of 38000dhs. i got shock and now dont know where to get this amount i cannot pay anymore the 8000dhs and now my debt became more and they’re claiming because they added already the interest and charges. now bank is threatening me that they will file a civil case against me. can somebody please help me!!! i tried to negotiate with the bank bu they want me to settle the 38000Dhs. will i be charge of civil case? is there any other way i can lessen the amount or not to pay them anymore since i already suffured 1 month inside the jail. Please help!

  • Jenny

    Hi, My brother is in
    Prison right now in Doha Qatar, we only
    received an sms from him telling us to call the GM of his company before. I
    already spoke to the General Manager, but he doesn’t have any idea because he has
    more than 2,000 personnel working in their company. He gives me the number of
    their HR and I spoke to him. According to him, my brother is terminated from
    work due to poor performance; he is working in that company for more than
    3years. The company gives him ticket for free to return in the Philippines, but my brother didn’t return here
    in the Philippines instead
    he look for other work in Qatar.
    The HR said that my brother have a loan, unpaid company telephone bills and he
    need to compensate the tickets and so on…Wish I could talk to my brother to
    ask the charges against him and how much does he owe to the company.  Please
    give me some advice. I’m so worried with my brother out there. Thank you.

    Jenny

     
     

  • Jenny

    Hi, My brother is in Prison right now in Doha Qatar, we only received an sms from him telling us to call the GM of his company before. I already spoke to the General Manager, but he don’t have any idea because he have more than 2,000 personnel working in their company. He give me the number of their HR and i spoke to him. According to him, my brother is terminated from work due to poor performance, he is working in that company for more than 3years. The company give him ticket for free to return in the company, but my brother didn’t return here in the Philippines instead he look for other work in Qatar. The HR said that my brother have a loan, unpaid company telephone bills and he need to compensate the tickets and so on…Wish i could talk to my brother to ask the charges against him and how much does he owe to the company.  Please give me some advise. I’m so worried with my brother out there. thank you.

    Jenny

  • Lauree

    Dear Steve,
    Like the other peeps, I do have a credit card and a loan payment to be done in Dubai. And right now , I am in another country. But I would like to repay my dues and get back to Dubai and i know that I have a police case against me, Kindly tell me the procedure of going ahead. Do I pay the bank back and tell them to give me the clearance from the police? Do I have to produce any paper at the airport?
    Thanks for letting me know..

    • Ansar Mahmood

      Hi, I spent alomost 2 months in Jail. first of all, Jail is not good, but if you have to clear your debts then i think its better to go to jail then paying money. different police stations have dirty situation. you wont have a good or clean mattress and blanket. they will provide 3 time food free. you have to buy bath items. 

      if you have hearing in court then they will take you to court and the next day or same day will be transferred to main Jail. that is clean and big. you will sleep on bunker beds. but you have to pay 5-7dhs every week for cleaning. otherwise you have to clean whole jail!!!

      people call it five star jail. 

      But still I will say if the cage is made of gold its still cage and there is nothing like freedom.

      Try to solve debt prob with bank

      good luck!

      Ansar

  • S234080

    Dear Steve

    A friend of mine is asking to be his gaurantor as his bank has filed a case against him due to late
    payments. He might go to jail. He said that he wants a cheque from me to give to his bank along with my
    visa pages. What do you advise to do?

    Regards
    Cathy

    • http://GetOutOfDebt.org Steve Rhode

      No. I’ve seen too many of these cases where the friend gets too involved. In one case the friend was thrown in jail. That’s just my opinion.

      • Ali T

        hi steve
        I leftdubai in 2007 with 200,000 Dhms debt (1 personal loan ,2 credit cards) ,I have paid about 60,000 dhms of my debts ,and I have plan to settle my debts in coming year .But I have to travel to some countries like Turkey,Cyprus ,France ,Malaysia ,… because of missions of my company ,unless I will lose my job.Is that safe to travel on mentioned countries or other countries?
        May I be arrested in other countries airport and send to Dubai?It’s really effected my whole life ,Please kindly honestly advise me ,please answer soon as possible.

        Ali T 

      • Ansar Mahmood

        Hi, I spent alomost 2 months in Jail. first of all, Jail is not good, but if you have to clear your debts then i think its better to go to jail then paying money. different police stations have dirty situation. you wont have a good or clean mattress and blanket. they will provide 3 time food free. you have to buy bath items. 

        if you have hearing in court then they will take you to court and the next day or same day will be transferred to main Jail. that is clean and big. you will sleep on bunker beds. but you have to pay 5-7dhs every week for cleaning. otherwise you have to clean whole jail!!!

        people call it five star jail. 

        But still I will say if the cage is made of gold its still cage and there is nothing like freedom.

        Try to solve debt prob with bank

        good luck!

        Ansar

      • uaedebtor

        For how much money you owe? that you got two months jail?

      • m786k786

        If after getting sentenced, the case is not over than what is the value of the court & its sentences & why should it be implemented,becoz a person agrees their that he can not pay & than only he gets sentenced and after he serves the sentence what is fun the bank again come up with civil case. there should be only one case for a single comit

  • muhammad

    katrina

    u can check with dubai based collection law firm   00971-50-5071820

  • Steve Rhode

    If the court agrees the matter is settled he should not have to go to court.

  • Deadly_dude4

    Dear Steve,One of my friend had been issued 2 months jail sentence from dubai court. He was having the loan of 100K, approx around in 2004. Now he is in UAE & caught at immegration, while leaving the country for his home leave. NOw he is willing to pay by meeting the bank & had some settlement. Now if bank agrees for him to pay 20000 DHSI want to know if we are paying this amount now in 2011, still he needs to go in Jail, even if we have the clearence doc by banks & Courts.
    Flag

  • Deadly_dude4

    Dear Steve,One of my friend had been issued 2 months jail sentence from dubai court. He was having the loan of 100K, approx around in 2004. Now he is in UAE & caught at immegration, while leaving the country for his home leave. NOw he is willing to pay by meeting the bank & had some settlement. Now if bank agrees for him to pay 20000 DHSI want to know if we are paying this amount now in 2011, still he needs to go in Jail, even if we have the clearence doc by banks & Courts.
    Flag

    • http://GetOutOfDebt.org Steve Rhode

      If the court agrees the matter is settled he should not have to go to court.

    • T moe

      hey deadly_dude4

      plz let me knw whthr d bank agreed for 20000dhs.. i have taken loan for abt 1million DHS.. how long will i b in jail for..
      thank you

  • Deadly_dude4

    Dear Steve,

    One of my friend had been issued 2 months jail sentence from dubai court. He was having the loan of 100K, approx around in 2004. Now he is in UAE & caught at immegration, while leaving the country for his home leave. NOw he is willing to pay by meeting the bank & had some settlement. Now if bank agrees for him to pay 20000 DHS

    I want to know if we are paying this amount now in 2011, still he needs to go in Jail, even if we have the clearence doc by banks & Courts.

  • Harry Chana

    I am an absentee landlord and two cheques from my tenant in Dubai have bounced.  The tenant is not answering my telephone calls or email messages.  Can I file a case with the rent committee or the police without having to travel to Dubai.  What recourse do I have to evict the tenant for non payment of rent?

  • http://twitter.com/BwanaChana Harry Chana

    I am an absentee landlord and two cheques from my tenant in Dubai have bounced.  The tenant is not answering my telephone calls or email messages.  Can I file a case with the rent committee or the police without having to travel to Dubai.  What recourse do I have to evict the tenant for non payment of rent?

  • uaedebt

    you didn’t get any discount of this money?or did you bargain with them?

  • Jamal

    Hey steve,

    Ok i have settled my dues in a very smart way. As i said earlier, i owe the bank AED 190,000. Went there past Sunday, before my court day, with AED 45,000 and a cheque book. kept negotiating with them for more than two hours till we agreed on the following: i pay the 45,000 and provide a new security cheque with the remaining  amount including a 30% discount=> they will provide a release letter. So i gave the money, opened my cheque book… signed a cheque and wrote the amount… then before tearing the paper, they got busy in counting the money whic was messy (AED 500, AED 200, AED 100 and AED 50 notes)… during which one of them went and started on the release form… So i closed the cheque after they saw me writing the cheque and put back in my case without giving them the cheque!!!. They gave me a receipt of the money and a settlement paper to provide to the court saying that they withdraw charges against my case and cancel the cheque filed against me. We shook hands and i left… next day i rushed there early morning submitted the paper and closed the case.. got my passport back and a letter stating that im no longer wanted.

    Now HSBC and the guys there realised that they forgot to take the cheque and are begging me for it… so we have settled on the following without any cheques…. AED 500 each month with 60% discount on the total ( from AED 190,000 to AED 76,000) which i have already paid AED 45,000… so im left with AED 31,000 to pay AED 500 over a period of 5years and one month.

    Its great to have my life back and fantastic to have an upper hand on bank… even if i didnt pay they cant do anything… hahaha… put i guess im just a nice person to pay them…

    Cheers Alllllllllll :))))))))

  • Steve Rhode

    I doubt the balance has been magically erased. I would suspect the debt on that one card is somewhere in transition.

    You did the right thing by contacting ADCB and asking for clarification. As long as you have something that shows ADCB is reporting the balance as zero then that’s probably the most you can do for now.

    The other thing you could do is send ADCB a letter and ask them to respond with clarification on what happened to that particular account. I’ve have a suspicion it will reappear at an inopportune time. They always seem to.

    If you were being pursued for the debt, you would have been contacted by now. I can’t see any issue at the moment that would create a problem right now.

    Just to be safe, make sure ADCB has your current address and telephone numbers to reach you at in case anything develops on this.

  • Teks_77

    Dear Steve,

    Hi! i have 3 credit cards from RBS bank, 2 cards are updated in payment while the other 1, unfortunately, i have missed i think 2 months payment. After October of last year, ADCB buy out RBS. Since Nov. 2010, ADCB is sending me monthly statement for my 2 cards (which is paid monthy), but the other 1 card (which i have missed the payment for 2 months), ADCB sent me the 1st & last bank statement which said “WRITE OFFS” and my overdue payment aed 4,035.65 has become zero. Since then, i did not received any statement for that but for the other 2 cards that is updated in payment still i have continously receiving statement eventhough, by the way, i have paid all my debts and has zero balance. When i called ADCB and asked them to cancel all my 3 cards, they informed me that all 3 cards have alreay been cancelled and that i dont have any pending payments with them. 

    Now, i wantd to know, it is really true? that my outstandin balance of aed 4035 is waived off? i will be travelling to Singapore on first week of June for a business meeting, i was just worried maybe i have a pending case or ban travel :( can you please help me? i have already called several times to ADCB just to confirm if i still have unpaid dues, but they keppt on tellng me that i was already cleared of my debts. One more thing, can you please tell me what is the meaning of “WRITE OFFS”???

    Appreciate your valuable prompt reply. Thanks in advance!

    Arlene

  • Steve Rhode

    My answer still is the same. Whichever route puts this matter behind you. Not sure if the early release still leaves you exposed to another stay for the balance.

  • Jamal

    Hi Steve,

    Thanks for the moral support.

    Though my question still remains the same: If i went to jail and while inside i prepared the remaining money, and got the release letter, will i be able to go out or should i complete my sentence?

    Best regards,

  • Steve Rhode

    Jamal,

    It is just my personal opinion but I think you should peruse the path that puts this matter behind you, once and for all so you can learn from the experience and do better into the future.

    Please come back and post an update about your jail time and think about this as you serve it, look for the good in the moment and the lessons to be learned from it.

  • Jamal

    Thank you steve.

    The bank so far is being stubborn towards the sum that he wants to issue a release letter. So my question is: If i went to jail and while inside i prepared the remaining money, and got the release letter, will i be able to go out or should  complete my sentence?

    Thanks again,

  • Steve Rhode

    Jamal,

    In Dubai the options come down to flea the country, make an arrangement with the bank you can meet, or prepare to spend some time in jail.

    Unless you are leaving the country, missing the court date does not sound like a smart idea. Other have said that while jail is not a fun experience, you are at least in jail with many others in the same situation and it can be tolerable.

    If you don’t go to court you will most likely be found guilty because of your absence.

    if you are not considering leaving the country and avoiding other GCC countries then I would contact HSBC and see if you can come to an agreement with the cash you have on hand now. Otherwise, prepare to spend some time in jail.

  • Jamal

    Hi Steve.

    I am in Dubai now as i write and i have a court day this coming Monday. Have a bounced security check at HSBC amounting to 190,000aed. I was liaising with an agent from HSBC for some time and trying to agree on a discount to pay it all. Without my knowledge, that agent submitted my files an had a police case against me. I went to prison for 2 days till i met the prosecutor and bailed myself by keeping my passport. They assigned the first trial date after a week and the judge asked me if i want to pay and i said yes so he postponed my trial for another 17 days. Still i was working on gathering the first payment they require (60,000aed). So the second court day came and i was yet to gather that sum. So i asked the judge again to give me more time to be able to make that money. He only gave me a week. Now i have around (40,000aed) and still the bank is not agreeing to provide me with a settlement paper/release letter. Now i know that i can arrange the remaining 20,00aed in a weeks time but my court as i said in the beginning is on Monday (after 3 days from now). Last time the judge mentioned that this is the last time he will postpone it for me! what do u advise in such a case. If i go i might be arrested and thus all my efforts to get the rest of the money will no longer be valid when i am behind bars! What happens if i miss the court day??? if i do and arrange the monet, pay off the bank and get a release letter, would that be fine or i would still be arrested for missing the court day and especially if they released a sentence in my case??? if i went to the court and i was sentenced for a certian period of time… during that period if i paid the bank and got a release letter, will i be released???
    Your prompt reply on the following will be highly appreciated.

    Many thanks

  • Jamal

     Hi Steve.

    I am in Dubai now as i write and i have a court day this coming Monday. Have a bounced security check at HSBC amounting to 190,000aed. I was liaising with an agent from HSBC for some time and trying to agree on a discount to pay it all. Without my knowledge, that agent submitted my files an had a police case against me. I went to prison for 2 days till i met the prosecutor and bailed myself by keeping my passport. They assigned the first trial date after a week and the judge asked me if i want to pay and i said yes so he postponed my trial for another 17 days. Still i was working on gathering the first payment they require (60,000aed). So the second court day came and i was yet to gather that sum. So i asked the judge again to give me more time to be able to make that money. He only gave me a week. Now i have around (40,000aed) and still the bank is not agreeing to provide me with a settlement paper/release letter. Now i know that i can arrange the remaining 20,00aed in a weeks time but my court as i said in the beginning is on Monday (after 3 days from now). Last time the judge mentioned that this is the last time he will postpone it for me! what do u advise in such a case. If i go i might be arrested and thus all my efforts to get the rest of the money will no longer be valid when i am behind bars! What happens if i miss the court day??? if i do and arrange the monet, pay off the bank and get a release letter, would that be fine or i would still be arrested for missing the court day and especially if they released a sentence in my case??? if i went to the court and i was sentenced for a certian period of time… during that period if i paid the bank and got a release letter, will i be released???
    Your prompt reply on the following will be highly appreciated.

    Many thanks

    • http://GetOutOfDebt.org Steve Rhode

      Jamal,

      In Dubai the options come down to flea the country, make an arrangement with the bank you can meet, or prepare to spend some time in jail.

      Unless you are leaving the country, missing the court date does not sound like a smart idea. Other have said that while jail is not a fun experience, you are at least in jail with many others in the same situation and it can be tolerable.

      If you don’t go to court you will most likely be found guilty because of your absence.

      if you are not considering leaving the country and avoiding other GCC countries then I would contact HSBC and see if you can come to an agreement with the cash you have on hand now. Otherwise, prepare to spend some time in jail.

      • Jamal

        Thank you steve.

        The bank so far is being stubborn towards the sum that he wants to issue a release letter. So my question is: If i went to jail and while inside i prepared the remaining money, and got the release letter, will i be able to go out or should  complete my sentence?

        Thanks again, 

      • http://GetOutOfDebt.org Steve Rhode

        Jamal,

        It is just my personal opinion but I think you should peruse the path that puts this matter behind you, once and for all so you can learn from the experience and do better into the future.

        Please come back and post an update about your jail time and think about this as you serve it, look for the good in the moment and the lessons to be learned from it.

      • Jamal

        Hi Steve,

        Thanks for the moral support.

        Though my question still remains the same: If i went to jail and while inside i prepared the remaining money, and got the release letter, will i be able to go out or should i complete my sentence?

        Best regards,

      • http://GetOutOfDebt.org Steve Rhode

        My answer still is the same. Whichever route puts this matter behind you. Not sure if the early release still leaves you exposed to another stay for the balance.

      • Teks_77

        Dear Steve,

        Hi! i have 3 credit cards from RBS bank, 2 cards are updated in payment while the other 1, unfortunately, i have missed i think 2 months payment. After October of last year, ADCB buy out RBS. Since Nov. 2010, ADCB is sending me monthly statement for my 2 cards (which is paid monthy), but the other 1 card (which i have missed the payment for 2 months), ADCB sent me the 1st & last bank statement which said “WRITE OFFS” and my overdue payment aed 4,035.65 has become zero. Since then, i did not received any statement for that but for the other 2 cards that is updated in payment still i have continously receiving statement eventhough, by the way, i have paid all my debts and has zero balance. When i called ADCB and asked them to cancel all my 3 cards, they informed me that all 3 cards have alreay been cancelled and that i dont have any pending payments with them. 

        Now, i wantd to know, it is really true? that my outstandin balance of aed 4035 is waived off? i will be travelling to Singapore on first week of June for a business meeting, i was just worried maybe i have a pending case or ban travel :( can you please help me? i have already called several times to ADCB just to confirm if i still have unpaid dues, but they keppt on tellng me that i was already cleared of my debts. One more thing, can you please tell me what is the meaning of “WRITE OFFS”???

        Appreciate your valuable prompt reply. Thanks in advance!

        Arlene

      • http://GetOutOfDebt.org Steve Rhode

        I doubt the balance has been magically erased. I would suspect the debt on that one card is somewhere in transition.

        You did the right thing by contacting ADCB and asking for clarification. As long as you have something that shows ADCB is reporting the balance as zero then that’s probably the most you can do for now.

        The other thing you could do is send ADCB a letter and ask them to respond with clarification on what happened to that particular account. I’ve have a suspicion it will reappear at an inopportune time. They always seem to.

        If you were being pursued for the debt, you would have been contacted by now. I can’t see any issue at the moment that would create a problem right now.

        Just to be safe, make sure ADCB has your current address and telephone numbers to reach you at in case anything develops on this.

      • Jamal

        Hey steve,

        Ok i have settled my dues in a very smart way. As i said earlier, i owe the bank AED 190,000. Went there past Sunday, before my court day, with AED 45,000 and a cheque book. kept negotiating with them for more than two hours till we agreed on the following: i pay the 45,000 and provide a new security cheque with the remaining  amount including a 30% discount=> they will provide a release letter. So i gave the money, opened my cheque book… signed a cheque and wrote the amount… then before tearing the paper, they got busy in counting the money whic was messy (AED 500, AED 200, AED 100 and AED 50 notes)… during which one of them went and started on the release form… So i closed the cheque after they saw me writing the cheque and put back in my case without giving them the cheque!!!. They gave me a receipt of the money and a settlement paper to provide to the court saying that they withdraw charges against my case and cancel the cheque filed against me. We shook hands and i left… next day i rushed there early morning submitted the paper and closed the case.. got my passport back and a letter stating that im no longer wanted.

        Now HSBC and the guys there realised that they forgot to take the cheque and are begging me for it… so we have settled on the following without any cheques…. AED 500 each month with 60% discount on the total ( from AED 190,000 to AED 76,000) which i have already paid AED 45,000… so im left with AED 31,000 to pay AED 500 over a period of 5years and one month.

        Its great to have my life back and fantastic to have an upper hand on bank… even if i didnt pay they cant do anything… hahaha… put i guess im just a nice person to pay them…

        Cheers Alllllllllll :))))))))

      • Deadly_dude4

        Dear Steve,

        One of my friend had been issued 2 months jail sentence from dubai court. He was having the loan of 100K, approx around in 2004. Now he is in UAE & caught at immegration, while leaving the country for his home leave. NOw he is willing to pay by meeting the bank & had some settlement. Now if bank agrees for him to pay 20000 DHS

        I want to know if we are paying this amount now in 2011, still he needs to go in Jail, even if we have the clearence doc by banks & Courts.

  • Mariam

    Hi,
    My name is Mariam, I lived in Dubai for 10 yrs and ofcourse I have loan and credit cards from different banks, the amount is more than AED150,000 I dont know how much i paid all i know is that i’ve been paying for more than 5 yrs and I have no idea of the balance due, anyway I couldn’t keep paying and I had to go back to my country and now I live in the US and I have a child… I DO NOT sleep at night I can’t forget that I’ve spent the money and i couldn’t pay it . I wish i could pay it so i can have peace of mind but i couldn’t find a job yet and am suffering all the time with this nightmare. the worst decision to make is to runaway but the real worst one is to take a loan in UAE, I know poeple who have loans in other countries and they do not have any problem with payment I am just wondering what is the problem with UAE???
    Any idea what am supposed to do to live my life peacefuly??!! I need to pay that money back!!!PLEASE HELP!!
    Thank you

  • Mariam

    Hi,
    My name is Mariam, I lived in Dubai for 10 yrs and ofcourse I have loan and credit cards from different banks, the amount is more than AED150,000 I dont know how much i paid all i know is that i’ve been paying for more than 5 yrs and I have no idea of the balance due, anyway I couldn’t keep paying and I had to go back to my country and now I live in the US and I have a child… I DO NOT sleep at night I can’t forget that I’ve spent the money and i couldn’t pay it . I wish i could pay it so i can have peace of mind but i couldn’t find a job yet and am suffering all the time with this nightmare. the worst decision to make is to runaway but the real worst one is to take a loan in UAE, I know poeple who have loans in other countries and they do not have any problem with payment I am just wondering what is the problem with UAE???
    Any idea what am supposed to do to live my life peacefuly??!! I need to pay that money back!!!PLEASE HELP!!
    Thank you

  • Hameed

    Hi Steve,

    I owed the bank AED.14,000 and had already settled with the bank to transfer my salary to an account. I spoke to my employer about it and prepared a official letter as this is what the bank wanted.
    The day I was supposed to visit the bank… the CID arrested me from my office. (Luckily I have to say the CID were very understanding and executed the arrest in a way no one at office knew until I told my boss).

    I was in jail for 5 days, met some unbelievably nice people inside. However I arranged the money through some family friends and paid it in courts, hence my release in 5 days.

    I appreciate what you do for these people Steve, as these situations are mentally stressfull as much as finacially.

    Hameed

  • Steve Rhode

    Hameed,

    Excellent advice to help people facing the same problem. Other have said that jail is not the worst experience if you embrace the experience. Your point that many others are there for the same reason is a good one.

    While the conditions are not the best and you’d love to be some place else, I guess one way to look at it is as a group of friends in the same tough spot.

    How long were you in jail and when you got out was your debt forgiven?

    Steve

  • Hameed

    Dear Katte,

    Dont worry too much, take it all in a stride, life is about experiences, mistakes and lessons. I’m sure you never indended not to pay your loan, but we are ruled by circumstances.

    If you are certain that they have filed a police case, do not pay a dirham to the bank as they will not give you a release letter(Certainly not FGB).

    The bank files a police case by producing the cheque you signed when you took the loan. This cheque does not go back to the bank. hence they will not be able to file case on the same transaction. They will not file a civil case… these are for big amounts and generally for corporates.

    If I were you… (I’d expect the WORSE and prepare to be in jail for 2 months) but go to the concerned police station and ask them for time to pay the said amount (if thats what you want to do). If you can not save this amount in the given period… Dont worry.

    I’ve been in jail, the one in Al qusais (for men)… sure a jail is a jail but it is not really bad. The first day or two you will be in a large room with around 10 people Remember most of these people are like you and will build up honest friendships. Later they will put you in a larger compound with a open canteen, toilets and open air pray area. Although seperate cells are there they will always be open, and will be over crowded but not as bad as it sounds. Once you get to know some people… you will experience real friendship.

    If you are good at chess… you will be a master by the time you are out.

    there will be a shop like cell from which you could buy general goods at a slightly higher price.

    The food is different but clean… you will learn to eat it.

    Meanwhile you may be shifted from one jail to the other during your stay and will need getting use to. Everything said… once you’ve served the term you will be more of the man than you ever were.

    But remember we have made a mistake and make this experience a lesson to organise our personal finances with more care.

    PS. One more thing… The amount you owed to the bank dont forget it…. gradually save this amount and use it for some form of charity in future this will give you a great sense of relief.

    God bless you.

    Hameed

  • katte

    hi, this is cathy Im here in Dubai right now. I really want some advise. We have a credit card in FGB amounting 23,000 they deposited the security cheque and they filed a police case against me. I left my passport in the police station inorder to come out of the jail. When I try to call the bank for settlement he told me to pay 1100 and they will give me released from police cases and they will give me a released paper to give it to the police. then after paying that amount they are asking again for 8000 pesos to released my passport in the police station. I dont have money anymore to pay that kind of amount they are asking me coz my salary is very low and cant compensate all my expenses.. I dont know what to do now? must I wait that my file will go to the court. If I cant pay that kind of amount how many days will I be on jail for that kind of amount ? and if I go to jail after I come out my debts will be waived? coz they are telling me they will file a civil case after. Please give some advices.. or if you have any lawyer where I can ask for this case?

  • katte

    hi, this is cathy Im here in Dubai right now. I really want some advise. We have a credit card in FGB amounting 23,000 they deposited the security cheque and they filed a police case against me. I left my passport in the police station inorder to come out of the jail. When I try to call the bank for settlement he told me to pay 1100 and they will give me released from police cases and they will give me a released paper to give it to the police. then after paying that amount they are asking again for 8000 pesos to released my passport in the police station. I dont have money anymore to pay that kind of amount they are asking me coz my salary is very low and cant compensate all my expenses.. I dont know what to do now? must I wait that my file will go to the court. If I cant pay that kind of amount how many days will I be on jail for that kind of amount ? and if I go to jail after I come out my debts will be waived? coz they are telling me they will file a civil case after. Please give some advices.. or if you have any lawyer where I can ask for this case?

    • Hameed

      Dear Katte,

      Dont worry too much, take it all in a stride, life is about experiences, mistakes and lessons. I’m sure you never indended not to pay your loan, but we are ruled by circumstances.

      If you are certain that they have filed a police case, do not pay a dirham to the bank as they will not give you a release letter(Certainly not FGB).

      The bank files a police case by producing the cheque you signed when you took the loan. This cheque does not go back to the bank. hence they will not be able to file case on the same transaction. They will not file a civil case… these are for big amounts and generally for corporates.

      If I were you… (I’d expect the WORSE and prepare to be in jail for 2 months) but go to the concerned police station and ask them for time to pay the said amount (if thats what you want to do). If you can not save this amount in the given period… Dont worry.

      I’ve been in jail, the one in Al qusais (for men)… sure a jail is a jail but it is not really bad. The first day or two you will be in a large room with around 10 people Remember most of these people are like you and will build up honest friendships. Later they will put you in a larger compound with a open canteen, toilets and open air pray area. Although seperate cells are there they will always be open, and will be over crowded but not as bad as it sounds. Once you get to know some people… you will experience real friendship.

      If you are good at chess… you will be a master by the time you are out.

      there will be a shop like cell from which you could buy general goods at a slightly higher price.

      The food is different but clean… you will learn to eat it.

      Meanwhile you may be shifted from one jail to the other during your stay and will need getting use to. Everything said… once you’ve served the term you will be more of the man than you ever were.

      But remember we have made a mistake and make this experience a lesson to organise our personal finances with more care.

      PS. One more thing… The amount you owed to the bank dont forget it…. gradually save this amount and use it for some form of charity in future this will give you a great sense of relief.

      God bless you.

      Hameed

      • http://GetOutOfDebt.org Steve Rhode

        Hameed,

        Excellent advice to help people facing the same problem. Other have said that jail is not the worst experience if you embrace the experience. Your point that many others are there for the same reason is a good one.

        While the conditions are not the best and you’d love to be some place else, I guess one way to look at it is as a group of friends in the same tough spot.

        How long were you in jail and when you got out was your debt forgiven?

        Steve

      • Hameed

        Hi Steve,

        I owed the bank AED.14,000 and had already settled with the bank to transfer my salary to an account. I spoke to my employer about it and prepared a official letter as this is what the bank wanted.
        The day I was supposed to visit the bank… the CID arrested me from my office. (Luckily I have to say the CID were very understanding and executed the arrest in a way no one at office knew until I told my boss).

        I was in jail for 5 days, met some unbelievably nice people inside. However I arranged the money through some family friends and paid it in courts, hence my release in 5 days.

        I appreciate what you do for these people Steve, as these situations are mentally stressfull as much as finacially.

        Hameed

      • uaedebt

        you didn’t get any discount of this money?or did you bargain with them?

      • Mariam

        Hi,
        My name is Mariam, I lived in Dubai for 10 yrs and ofcourse I have loan and credit cards from different banks, the amount is more than AED150,000 I dont know how much i paid all i know is that i’ve been paying for more than 5 yrs and I have no idea of the balance due, anyway I couldn’t keep paying and I had to go back to my country and now I live in the US and I have a child… I DO NOT sleep at night I can’t forget that I’ve spent the money and i couldn’t pay it . I wish i could pay it so i can have peace of mind but i couldn’t find a job yet and am suffering all the time with this nightmare. the worst decision to make is to runaway but the real worst one is to take a loan in UAE, I know poeple who have loans in other countries and they do not have any problem with payment I am just wondering what is the problem with UAE???
        Any idea what am supposed to do to live my life peacefuly??!! I need to pay that money back!!!PLEASE HELP!!
        Thank you  

      • Mariam

         Hi,
        My name is Mariam, I lived in Dubai for 10 yrs and ofcourse I have loan and credit cards from different banks, the amount is more than AED150,000 I dont know how much i paid all i know is that i’ve been paying for more than 5 yrs and I have no idea of the balance due, anyway I couldn’t keep paying and I had to go back to my country and now I live in the US and I have a child… I DO NOT sleep at night I can’t forget that I’ve spent the money and i couldn’t pay it . I wish i could pay it so i can have peace of mind but i couldn’t find a job yet and am suffering all the time with this nightmare. the worst decision to make is to runaway but the real worst one is to take a loan in UAE, I know poeple who have loans in other countries and they do not have any problem with payment I am just wondering what is the problem with UAE???
        Any idea what am supposed to do to live my life peacefuly??!! I need to pay that money back!!!PLEASE HELP!!
        Thank you

      • kerzt

        Hi Hameed, I have already gone to jail for a month in year 2008 because of credit card with Dubai First amount of 8000dhs. now, after 2 years bank still forcing me to pay but with the amount of 38000dhs. i got shock and now dont know where to get this amount i cannot pay anymore the 8000dhs and now my debt became more and they’re claiming because they added already the interest and charges. now bank is threatening me that they will file a civil case against me. can somebody please help me!!! i tried to negotiate with the bank bu they want me to settle the 38000Dhs. will i be charge of civil case? is there any other way i can lessen the amount or not to pay them anymore since i already suffured 1 month inside the jail. Please help!

  • Naida

    Dear Sir Steve, I am naida working in Sharjah right now also i had same situation with Katrina, and up to date i cannot pay my credit card because my salary cannot compensate my credit always negative, even i have part time job in a wedding catering but only for my rent/sewa and food, i tried to explain my kids that only tuition fee i can send as of this year because of my situation. I have been asking the 2 banks (one bank 12,000aed but iam not default with this bank and other bank RBS/ADCB for two years payment still they told me that i have back to zero payment total of 18,000aed because i did a payment plan but unfortunately because of financial difficulties I did not pay for three months, even though they spoke to me a very bad language, even I explained to them, they always told me that I have to go to jail and even call our admin and our admin get so much angry with me)

    Can you please please give me an advise and what if I go to jail what will be happened iam really scared tHANK YOU Sir Steve.

  • Naida

    Dear Sir Steve, I am naida working in Sharjah right now also i had same situation with Katrina, and up to date i cannot pay my credit card because my salary cannot compensate my credit always negative, even i have part time job in a wedding catering but only for my rent/sewa and food, i tried to explain my kids that only tuition fee i can send as of this year because of my situation. I have been asking the 2 banks (one bank 12,000aed but iam not default with this bank and other bank RBS/ADCB for two years payment still they told me that i have back to zero payment total of 18,000aed because i did a payment plan but unfortunately because of financial difficulties I did not pay for three months, even though they spoke to me a very bad language, even I explained to them, they always told me that I have to go to jail and even call our admin and our admin get so much angry with me)

    Can you please please give me an advise and what if I go to jail what will be happened iam really scared tHANK YOU Sir Steve.

  • Naida

    Hi harold, i used to asked a favour that way but still they dont want to accept that because they want full payment of 18,000aed. i already pay it for 2 years just i delayed for 3 months and they want big amount in which i cannot give .please advised me harold

  • Naida

    Hi Lea, I am naida working in Sharjah right now also i had same situation with Katrina, and up to date i cannot pay my credit card because my salary cannot compensate my credit always negative, i have part time job in a weeding catering but only for my rent/sewa and food, i tried to explain my kids that only tuition fee i can send as of this year because of my situation. I have been asking the 2 banks (one bank 12,000aed and other bank for two years payment still they told me that i have back to zero payment total of 16,000aed because i did a payment plan but unfortunately because of financial difficulties I did not pay for three months, even though they spoke to me a very bad language, even I explained to them, so what they always told me that I have to go to jail and even call our admin and our admin get so much angry with me)

    Can you please please give me an advise and what if I go to jail what will be happened iam really scared Lea. GOD Bless.

  • Humble

    I returned from Dubai with multiple bad depts to a South East Asian Country (my home) front line ally in war-on-terror. After around an year of time they came after me. But, here rules are different. I myself am a banker and let me tell you Credit Card is not a Secure Product and that the UAE banks work under UAE Central Bank and not my country’s or anybody else’s country. They can only pursue a Bounced Cheque against me and that too in UAE – in my country my “Central Bank” gives a shit to their cheques. So, their legal standing is “ZERO”.

    Now, knowing all that – I asked them to fuck off. They started harrassing me.

    One day, with some of my collegues, I went charging in their office and Harrassed their Managers to the core. Since THEY DO NOT HAVE ANY LEGAL STANDING and asked them to stop sending their boys to my home / office or this time not only the boys but the managers would also end up in Jail.

    They got the message after a little legal saber rattling they knew that I knew too.

    Later on, the two collectors became my friends. I helped one get a job in my city and the other one is in Dubai and asking me to stir my contacts so that he could get a job there.

    Believe me. I was happy and thanked God.

    This happened 5 years ago.

    Today I got a call from a Law Firm regarding my bad debt of FGB.

    I have asked him to meet me in my office in a very aggressive way.

    Tomorrow, God Willingly, I would see if his case is valid off course I won’t like to face court in my home country since I am an honorable man here. Already, this is a dead case – all other banks have wrote me off. FGB would settle for AED 10 (Ten) by this time.

    And if the case is not GENUNIE (Legally) – That poor guy would repent coming after me.

    Remember this is only for insecure product Credit Card.

    My advice:
    If you are in your home country.

    Boot up and drop the fear once for all.

    It’s all about nerves.

    FACE IT LIKE a MAN.

    May God be with us all.

    Ps. I pestered them so much that they said, “Sir, you can disown this debt saying it’s not yours and we’d report the same and case is closed for us both. I said, NO! This is my Case and I WONT PAY by the grace of God Almighty. And take it from me if you CAN!”.

    God is by my side and I trust only Him and I thank Him for saving me up till now.

    And yes, I am neither rude nor arrogant but you see, in danger you have to either collapse or turn yourself into a “Killing Machine”. I opt the second option.

  • Humble

    I returned from Dubai with multiple bad depts to a South East Asian Country (my home) front line ally in war-on-terror. After around an year of time they came after me. But, here rules are different. I myself am a banker and let me tell you Credit Card is not a Secure Product and that the UAE banks work under UAE Central Bank and not my country’s or anybody else’s country. They can only pursue a Bounced Cheque against me and that too in UAE – in my country my “Central Bank” gives a shit to their cheques. So, their legal standing is “ZERO”.

    Now, knowing all that – I asked them to fuck off. They started harrassing me.

    One day, with some of my collegues, I went charging in their office and Harrassed their Managers to the core. Since THEY DO NOT HAVE ANY LEGAL STANDING and asked them to stop sending their boys to my home / office or this time not only the boys but the managers would also end up in Jail.

    They got the message after a little legal saber rattling they knew that I knew too.

    Later on, the two collectors became my friends. I helped one get a job in my city and the other one is in Dubai and asking me to stir my contacts so that he could get a job there.

    Believe me. I was happy and thanked God.

    This happened 5 years ago.

    Today I got a call from a Law Firm regarding my bad debt of FGB.

    I have asked him to meet me in my office in a very aggressive way.

    Tomorrow, God Willingly, I would see if his case is valid off course I won’t like to face court in my home country since I am an honorable man here. Already, this is a dead case – all other banks have wrote me off. FGB would settle for AED 10 (Ten) by this time.

    And if the case is not GENUNIE (Legally) – That poor guy would repent coming after me.

    Remember this is only for insecure product Credit Card.

    My advice:
    If you are in your home country.

    Boot up and drop the fear once for all.

    It’s all about nerves.

    FACE IT LIKE a MAN.

    May God be with us all.

    Ps. I pestered them so much that they said, “Sir, you can disown this debt saying it’s not yours and we’d report the same and case is closed for us both. I said, NO! This is my Case and I WONT PAY by the grace of God Almighty. And take it from me if you CAN!”.

    God is by my side and I trust only Him and I thank Him for saving me up till now.

    And yes, I am neither rude nor arrogant but you see, in danger you have to either collapse or turn yourself into a “Killing Machine”. I opt the second option.

  • Ivy_ako

    get out of qatar.. go home there are a lot of good paying jobs in a callcenter!!

  • Ivy_ako

    get out of qatar.. go home there are a lot of good paying jobs in a callcenter!!

  • Ivy_ako

    Are you in your home country right now? or are you in Dubai?

  • Ivy_ako

    Hi steve,

    Canyou help me.. This is my sitch,

    I was a former employee of a bank. I had staff loans with them and credit card and car loan Total 80k. During that time my manager continously forcing me and my colleagues to resign becuase our department is not meeting the target due to the economic breakdown.

    So I resigned , the bank allowed me to cancel the visa and to move to a new organization despite of the outstanding staff loans that I am having with them through a guarrantor (who is a very good friend of mine). Provided that I will settle all of my liabilities with them in 6 months. I was jobless for 2 months due to the visa processing which is taking so much time.

    So for 2 months of no money I was defaulting with my payment.

    After 3 months of working on the new company, again this company is forcing us to resign. during my 3 month – working period with the new company, I wasnt able to pay my dues in full . I was only paying my credit card minimum as per the Collection from credit card advised me. So i am left at default with my loans (personal and car loan).

    The collection department of the bank called me and was telling me that they will file a case against me because the 6 month agreement will be over soon. I told them my situation and told me to sell the car. Which is in the proccess right now.

    Luckily I will be joining a new company, currently my visa is cancelled and I have only till 16th of March to exit the country or have my new visa with me. The new company will give me a Rent loan of 15000 dhs upon joining.

    A few days later the Bilkish collection are now running after me for my credit card and personal loan. They sent me mail telling that I will have a police case in 2 days time if they dont see any deposit on the account. I replied on the mail telling them my situation and have told them that I will be paying them some amount ( 15000) and I am selling the car.

    Bilkish guy did not replied back. I forwarded him another message and still did not replied. 2 days past, the manager of the guy who emailed me called me and said that The bank is their client and that they will follow whatever the bank told them. I told this manager if he has recieved my mail and did not even said yes or no. He told me that he will try to help me by speaking to the bank.

    ANother collector called me a while ago. He said that I am making up stories. I told him that how would I do that this is the same story that I told your manager. And I am telling them that If you will file a case against me how would I have a new visa? then how would I pay you?… This collector is saying that the visa may come after 1 year or it may never come. I never said anything except “I will pay you I just need a little time” and get my visa stamped on my passport, Then he said “I will speak to my manager and he will call you”. But the manager never called me back.

    I said ok.I always answer their call and tell them that same thing. Here are my worries..

    Honestly I am majorly considering to be jailed than to pay the bank. I have been in stressed for 6 months and I know that they will waive of my loan once I serve it in jail. I know a close friend of mine who serve her sentece in jail for 4 months for an amount of 170,000 from loans and credit cards from different banks.

    1. What will happen to me if I entered jail with my Visa cancelled and a few days left(grace period)? will they get me out of jail or will they deport me because my visa is over?

    2. What will happen to my guarrantor if I will be jailed? Will he still pay the amount that I will be sentenced?

    3. How long does 80k take in jail minus the car value of 30000?Would the court consider 50 k than 80?

    4. Would my new employer be able to apply me for a employment visa?

    5. Is travel ban same as immigration ban? would they be able to give that ban without a police case? I know I dont have a police case till now but I have to exit the country or amendment.

    Please help me. I am really having a hard time.. tough times.. I wanted to get out of debt and I would really want to be at peace.

  • Ivy_ako

    Hi steve,

    Canyou help me.. This is my sitch,

    I was a former employee of a bank. I had staff loans with them and credit card and car loan Total 80k. During that time my manager continously forcing me and my colleagues to resign becuase our department is not meeting the target due to the economic breakdown.

    So I resigned , the bank allowed me to cancel the visa and to move to a new organization despite of the outstanding staff loans that I am having with them through a guarrantor (who is a very good friend of mine). Provided that I will settle all of my liabilities with them in 6 months. I was jobless for 2 months due to the visa processing which is taking so much time.

    So for 2 months of no money I was defaulting with my payment.

    After 3 months of working on the new company, again this company is forcing us to resign. during my 3 month – working period with the new company, I wasnt able to pay my dues in full . I was only paying my credit card minimum as per the Collection from credit card advised me. So i am left at default with my loans (personal and car loan).

    The collection department of the bank called me and was telling me that they will file a case against me because the 6 month agreement will be over soon. I told them my situation and told me to sell the car. Which is in the proccess right now.

    Luckily I will be joining a new company, currently my visa is cancelled and I have only till 16th of March to exit the country or have my new visa with me. The new company will give me a Rent loan of 15000 dhs upon joining.

    A few days later the Bilkish collection are now running after me for my credit card and personal loan. They sent me mail telling that I will have a police case in 2 days time if they dont see any deposit on the account. I replied on the mail telling them my situation and have told them that I will be paying them some amount ( 15000) and I am selling the car.

    Bilkish guy did not replied back. I forwarded him another message and still did not replied. 2 days past, the manager of the guy who emailed me called me and said that The bank is their client and that they will follow whatever the bank told them. I told this manager if he has recieved my mail and did not even said yes or no. He told me that he will try to help me by speaking to the bank.

    ANother collector called me a while ago. He said that I am making up stories. I told him that how would I do that this is the same story that I told your manager. And I am telling them that If you will file a case against me how would I have a new visa? then how would I pay you?… This collector is saying that the visa may come after 1 year or it may never come. I never said anything except “I will pay you I just need a little time” and get my visa stamped on my passport, Then he said “I will speak to my manager and he will call you”. But the manager never called me back.

    I said ok.I always answer their call and tell them that same thing. Here are my worries..

    Honestly I am majorly considering to be jailed than to pay the bank. I have been in stressed for 6 months and I know that they will waive of my loan once I serve it in jail. I know a close friend of mine who serve her sentece in jail for 4 months for an amount of 170,000 from loans and credit cards from different banks.

    1. What will happen to me if I entered jail with my Visa cancelled and a few days left(grace period)? will they get me out of jail or will they deport me because my visa is over?

    2. What will happen to my guarrantor if I will be jailed? Will he still pay the amount that I will be sentenced?

    3. How long does 80k take in jail minus the car value of 30000?Would the court consider 50 k than 80?

    4. Would my new employer be able to apply me for a employment visa?

    5. Is travel ban same as immigration ban? would they be able to give that ban without a police case? I know I dont have a police case till now but I have to exit the country or amendment.

    Please help me. I am really having a hard time.. tough times.. I wanted to get out of debt and I would really want to be at peace.

  • mohamed hbib

    how can ipay credit card banks in the uae from another country

  • mohamed hbib

    how can ipay credit card banks in the uae from another country

  • concerned

    I lost my job through no fault of my own for 3 months last year. My new job pays less money and I found myself in the same situation as so many others. Here is what I did. I actually went to AME Info and through Google and found the names of the top people at the credit card companies/banks to whom I owed money. The information is out there it is just a question of finding it and AME Info is a very good place to start as also is Bloomberg. I e-mailed each one of these of these individuals a very nice e-mail asking them to help me and agree to a consolidation agreement arrangement. Each one (and there are 3) agreed to this and I have an agreement now in place with no more stress and threatening telephone calls. It takes time to do this but it really does pay off. I would recommend trying this method to everyone in the same situation.

  • concerned

    I lost my job through no fault of my own for 3 months last year. My new job pays less money and I found myself in the same situation as so many others. Here is what I did. I actually went to AME Info and through Google and found the names of the top people at the credit card companies/banks to whom I owed money. The information is out there it is just a question of finding it and AME Info is a very good place to start as also is Bloomberg. I e-mailed each one of these of these individuals a very nice e-mail asking them to help me and agree to a consolidation agreement arrangement. Each one (and there are 3) agreed to this and I have an agreement now in place with no more stress and threatening telephone calls. It takes time to do this but it really does pay off. I would recommend trying this method to everyone in the same situation.

    • Ivy_ako

      Are you in your home country right now? or are you in Dubai?

  • lea

    Don’t go back since you have unpaid bills for sure ban already file a case.Go to other countires.

  • Lea

    NO, It wrong the cout will decide how mny days you will stay in prison. 1 month is only 23 days in arabic calender. I was in jail in Dubai finish my debt by going to jail.NO headache and tension to worry after I get my clearance from Dubai court.

  • FREEHOLDKING

    MAIRO please find my previous answer to you regarding civil suite hope it will give you beter option REGARDS KING

  • Freeholdking

    Steve you are so kind and MR REAL is almost right and REGARDS to give this information to every person who is curently sufer this situation, i would like please read my previosly leter which i write as a KING LOGO regarding civil case hope you will find setesfaction,

  • Freeholdking

    do not wories my friend after Mario answer i have solution for this blody civil case as well,as par my friend came from jail he told me banks will never file on you civil suite because for civil case he need to be deposit of 8% on the total outstanding amount to the court, supose i have a outstading loan or credit card amount is 100,000 dhs with any bank if the bank will file on me civil case he need to be deposted 8000 dhs 8% of 100,000,i will say ha ha ha bank know thier client dosnt have money thats y he took jail,they almost loose 100,000 dhs and they will never loose 8000 from this poket,please be noted this idea i took from my friend who recently came from same situation and bank dosnt file the civil suit what i said
    one great advise to all my friendz please aviod all the lowyer they are only make you fool and majorty will not even come on your prosicution date
    best REGARDS to all my friendz espassly MR STEVE RHODE from KING

  • king

    kris is right i have a friend couple of days he did same thing 90 % of greedy lawyer will not let u know the same thing only the will make money on difrent ways they dont concern you r in not good condition,

  • Abuwalid

    hi steve,
    i was terminated in dubai last 2008. i left dubai and went home to our country pakistan. i left my loans unpaid. now i got an offer in qatar. my question. can dubai bank trace me once i enter qatar? thanks

  • Abuwalid

    hi steve,
    i was terminated in dubai last 2008. i left dubai and went home to our country pakistan. i left my loans unpaid. now i got an offer in qatar. my question. can dubai bank trace me once i enter qatar? thanks

  • FUACKDUBAI

    FUCK DUBAI GO TO HELL I HOPE AN EARTHQUAKE KILLS YOU TO HELL

  • FUACKDUBAI

    FUCK DUBAI GO TO HELL I HOPE AN EARTHQUAKE KILLS YOU TO HELL

  • richie

    hi to all, pls give me an advice… i have a friend is in jail now because of her credit card were not being paid, she got case by first gulf bank, and what she did, she surrendered because she cannot pay anymore. she has about 28,000aed credit from first gulf, i just want to know how many days do you think she will stay in jail?

    thanks,
    richie

  • richie

    hi to all, pls give me an advice… i have a friend is in jail now because of her credit card were not being paid, she got case by first gulf bank, and what she did, she surrendered because she cannot pay anymore. she has about 28,000aed credit from first gulf, i just want to know how many days do you think she will stay in jail?

    thanks,
    richie

  • Faridahmadpkf

    Hi there, Some months ago i was advised by a friend of mine to invest with a company in Dubai who are into online Gold and Currency trading. I was getting profit of 3 to 4% monthly on total of my investment till Aug, 2010. I have invested a total amount of AED100k and i was given a gaurrantee check from the company. Now when i contacted them to close my account, they are not responding me and when i went to their office it is locked and they run away from UAE before i make a police case on bounced check. Now that they are not inside the country, can i report this to Interpol through Dubai Police? it is not only me as there many more bounced check case on her. Please advise me. thank you.

    Ahmad

  • Faridahmadpkf

    Hi there, Some months ago i was advised by a friend of mine to invest with a company in Dubai who are into online Gold and Currency trading. I was getting profit of 3 to 4% monthly on total of my investment till Aug, 2010. I have invested a total amount of AED100k and i was given a gaurrantee check from the company. Now when i contacted them to close my account, they are not responding me and when i went to their office it is locked and they run away from UAE before i make a police case on bounced check. Now that they are not inside the country, can i report this to Interpol through Dubai Police? it is not only me as there many more bounced check case on her. Please advise me. thank you.

    Ahmad

  • Azdc_06102007

    Hi Steve,
    I was terminated from Dubai last 2009 due to economic crisis and decided to leave Dubai coz i couldnt able to get a new job. I had some bank loans and credit cards left from Dubai. I stayed in the Philippines for a couple of months and trying to find job but the problem is the salary that they are offering is not enough to support my kids wherein i am a single mom. ANyway, this year i deiced to go in Qatar to find job and luckily i found it but the salary is not the same as what i was receiving in Dubai. My question is, the banks from Dubai are already contacting me here in Qatar and forcing me to pay the big amount which i couldnt able to produce since my salary is really not enough to pay them, considering that i have 4 kids awaiting for my monthly remittance.
    Now, the banks from Dubai telling me that they will sue me here in Qatar since their bank has some branches here in Qatar. Pls advise me what to do and is it possible to talk that bank to have some monthly settlements base on my capability to pay?
    Thanks and awaiting for your response.

    Single Mom

  • Azdc_06102007

    Hi Steve,
    I was terminated from Dubai last 2009 due to economic crisis and decided to leave Dubai coz i couldnt able to get a new job. I had some bank loans and credit cards left from Dubai. I stayed in the Philippines for a couple of months and trying to find job but the problem is the salary that they are offering is not enough to support my kids wherein i am a single mom. ANyway, this year i deiced to go in Qatar to find job and luckily i found it but the salary is not the same as what i was receiving in Dubai. My question is, the banks from Dubai are already contacting me here in Qatar and forcing me to pay the big amount which i couldnt able to produce since my salary is really not enough to pay them, considering that i have 4 kids awaiting for my monthly remittance.
    Now, the banks from Dubai telling me that they will sue me here in Qatar since their bank has some branches here in Qatar. Pls advise me what to do and is it possible to talk that bank to have some monthly settlements base on my capability to pay?
    Thanks and awaiting for your response.

    Single Mom

    • Ivy_ako

      get out of qatar.. go home there are a lot of good paying jobs in a callcenter!!

    • Ivy_ako

      get out of qatar.. go home there are a lot of good paying jobs in a callcenter!!

  • Hotelgm64

    you must be very lucky man, dubai jails are full of debtors, and it is pain in the ass in dbai jail

  • Yza

    save yourself get out of dubai.

  • Yza

    save yourself get out of dubai.

  • jahn

    I had been a good payer and don’t have any bad record in my bank accounts before I had been layoff in our company in Dubai, UAE. Now I can’t settle my accounts anymore and afraid to inform the banks where I have an existing 2 loans and 3 credit cards outstanding about it. So I left UAE without informing them. To have a peace of mind, my plan is to contact the banks to settle and continue my payment once I got to start to work abroad. My wife here in Philippines will be the one who will communicate to the bank verbally and continue the payment. For my safety we decided not to inform the bank where is my destination country in GCC.
    I know it’s my fault not to communicate with them. It’s almost 3 months of delay in payment, at this time is there already a police case filed to me? Will they inform all GCC countries in arrival immigration to hold me and bring me in jail once they got me? Hope for you feedback on this. Thank You

    Jahn

  • jahn

    I had been a good payer and don’t have any bad record in my bank accounts before I had been layoff in our company in Dubai, UAE. Now I can’t settle my accounts anymore and afraid to inform the banks where I have an existing 2 loans and 3 credit cards outstanding about it. So I left UAE without informing them. To have a peace of mind, my plan is to contact the banks to settle and continue my payment once I got to start to work abroad. My wife here in Philippines will be the one who will communicate to the bank verbally and continue the payment. For my safety we decided not to inform the bank where is my destination country in GCC.
    I know it’s my fault not to communicate with them. It’s almost 3 months of delay in payment, at this time is there already a police case filed to me? Will they inform all GCC countries in arrival immigration to hold me and bring me in jail once they got me? Hope for you feedback on this. Thank You

    Jahn

    • Philman1972

      Hi John,

      Are u working now within GCC country? Good job if no one bothers you in immigration airport.

  • vastporcelinas

    Hi again

    Sorry i multi-posted, accidently.

  • vastporcelinas

    Hi Everyone

    I’m one of the distressed expat in dubai with debt and things are not getting any better by the day. I have debts of dhs 20k with dubai first and they wont even negotiate for half payment that i managed to arrange and the other half im hoping with an offer letter showing i can pay back, once they release my case so i can do the new visa. And now the company which wanted to hire me has run out of patience and hired someone else. My salary was enough to pay the bank the remaining 10k in 1 go :(

    Now im thinking..

    1. If i go to jail, will my debt be cleared? Because the guy in dubai first in charge of & with the power to release my case (by the name Malik) said it wont be cleared.

    2. how do i check if my case is civil case or not? According to malik it is Civil case :(

    3. What do i do in Dubai now, been 6months im rotting, im getting jobs but cant be hired and im trying to save watever i get from freelance(how i survive, and help from friends) to reach 20k but its so hard to even save a hundred buck.

    Will really appreciate some help.

  • someone

    if you decided to have legal case, you will be jailed for 1-2 month. after that you will be free till the bank file a civil case which the bank will not do since its cost a lot. the bank will do civil case only if the loan amount will exceed 25k

  • Ahmed Sheikh ( Not real)

    If you are still outside and not in any jail and If you can and still have a chance get out of UAE and dont even think of going back to any GCC country. I know because I have been through it. Even if you go to jail after you serve your sentence the case will be still there on the police and immigration records and will not be waived till you have cleared all the dues. So why go to jail ?

  • http://ofwsijuan.blogspot.com master

    yes it is true that debts can be cleared by a prison term. prison term depends on how much you owe the bank. once you serve the prison you are debt free.
    .-= master´s last blog ..How to reduce jail term in Dubai? =-.

  • tarnum

    Hi, all
    could anyone give me info what is the minimum amount af debt you should have to be prisoned in Dubai?

    • real

      i met a man who issued a cheque for AED 351, and a man who was jailed for 26 Dhs ( he used some one else credit card )

      but in general i was told that a 100 Dhs cheque is enough to send you to jail , normally they don’t care about the amount you are jailed because you signed the cheque , and the amount is irelevent

      • TARNUM

        Thanks, now for sure I’ll not go to Dubai ever

  • http://zeeshandiary.blogspot.com zeeshan

    After a lot of thought process, I have come to a point where I think we need to regroup and then speak up against these banks. One thing is for sure, most of the people posting on forums and boards related to debts of dubai, are the ones who have intent to pay in case if the draconian laws of throwing people in the jail is taken off. I have created a group on facebook and I would appreciate all likeminded people to join the group. Believe me, we can make the difference. I have been in a lot of trauma in the recent months. Being born and brought up in Dubai and lived over there for 25 years, and then just to run away because of those filthy laws is unacceptable. Please folks lets help ourselves and get our self out of this mess by provoking them as a team.

    http://www.facebook.com/#!/group.php?gid=110407465652195&ref=ts
    .-= zeeshan´s last blog ..Linkedin Has Revolutionized Professional Networking =-.

  • http://Website Anubhav

    Hi All,

    After thinking a lot, I decided to stay away from GCC at this point of time. The problem what I realised that, once I am in trouble in GCC, there is no pre-defined rule which supports me in terms of fighting against anything. Its just one man ruling.

    So finally I decided to stay away for time being.

    Any one who travels let me know.

  • http://Website mudassir

    Hi Anubhav,

    iam in to the same situaton as u have .Did u went oman safely or u jus cancelled the trip pls advise me yaar…..

    • anu

      hi all,

      its always best to travel with a different passport number when ever u people travel around gcc.

      tks

      anu

      • Philman1972

        Hi Anu,

        How sure u are safe travelling within GCC with different passport number? How about the personal details in your passport? It will match in the shared immigration link of the GCC Immigration facility?  Just asking.

      • Philman1972

        Hi Anu,

        How sure u are safe travelling within GCC with different passport number? How about the personal details in your passport? It will match in the shared immigration link of the GCC Immigration facility?  Just asking.

  • http://Website MZ

    Hi Anubhav,
    I asked my brother in law who is in oman. I asked him wheter it is safe to travel to oman. He is sure that it is safe. Oman and Dubai does not have any system that identifies civil crimes. But stay away from Buraimi-Alain border.

    Good luck

  • http://Website Anubhav

    Hi,

    Following to my previous commects, I have siccessfully obtained the visit visa of Oman for 3 weeks ( Express Visa). Still I am not sure whether there would be any problem in Oman as some of the articles says that arrest warrant would be circulated across GCC.

    Pls advice what shall I do now ???? Is it safe to travel now!!!

  • http://Website Anubhav

    Thanks Real & Zeeshan,

    I spoke to my company and asked him to get the visa done. even if i avoid this trip, the similar situation will get arise again as my company has taken the ME inti their radar. Now they know that I know about MEA very well, they have already asked me to start working on MEA. Surely after some time or weeks again they will ask me to make a trip to ME for various other reason.

    I was thinking if I can be double assure that I can travel to all other countries besides UAE, then my life would be easier and I can focus on my job else I have no othere choice to jump from my current company.

    Is it really tru that Oman Immigration will hold people for debt which is pending in UAE ? Most of the forums have adviced the same but I have not found a single article on this whcih says “Yes, They will OR Yes, I faced the problem”

    Now I am in totally confused.

  • http://zeeshandiary.blogspot.com zeeshan

    Hi Anubhav,
    My brother in law has a business in buraimi oman. I would like to assure you that it will not be an issue to travel to oman. what you can do is this. tell teh company to issue a visa for you from oman. If that is issued then there is definately no problem. Hope it helps. But then in the end you are the best judge.
    .-= zeeshan´s last blog ..Linkedin Has Revolutionized Professional Networking =-.

  • http://Website Real

    Hi Anubav

    if you can avoid this trip , it will be better for you .

    it’s true that there is no record of some one cought in oman and send to dubai for debt, but i did met some omani people inside the police station who have been cought in Oman and sent to dubai for debt issues.

    maybe because they are Omani national or they might be some special agreement .

    since you are saying it is just one week that you have to go there, then it will be better if you can avoid taking this risk even if you are 99% sure that you might be safe .

    wishing you all the best.

  • http://Website Anubhav

    Hi All,

    I am tracking these posts from last 8 -9 months. I put the UAE in my avoid list. when I left Dubai in 2009 Jan, I carried few debts with me and never bothered to settle them. Now I am in different job.

    All of sudden my compan’s ME wing, wants to be in Oman for a week as I have good knowledge of MEA region. Pls suggest me what shall I do. Will i get arrested at Oman Airport and deported to dubai for my debt in dubai ? I have around USD 100k debt ( all total ) from 3 different banks.

    I was surfing the net whole night but not able to reach any conclusion. I dont want to spoil my rest of life just for a week travel in Oman. At the same time I have not got a single report which says that anyone got caught in Oman for Dubai Debt. While few articles says that you can be arrested in any GCC country travel.

    Pls suggest.

    AnuBhav

  • http://Website Real

    Hi Mely;

    unfortunatly the judge in the first trial will not listen to your brother and will never give him the chance to open his mouth or defend himself ( he will have only 20 second and he will be asked 2 specific question befor he get his sentence ), however you should ask your brother to apeal the sentence and there on the second trial the judge will listen and will consider your brother good intention and the fact that he had paid 170K and he will reduce the sentence, however due to the fact that this money has been taken from individual (as i undesrstood from your coment )most propably the man will file civil case so your brother cannot get out from the country till he pay the last fils , it will be better for you if you can reach some setlment with the debtor and get a release from him which he should atest it in the public notary , after that go in the court to the technical office department, where you can submit the release and imidiatly cancle the sentence and the gudgment of your brother ( they will release him the next day even and wave the judjment).

  • http://Website Anon.

    has any1 of you guys has an issue @ Dubai First?

    • S

      Yes, I had 2 cards from Dubai First.I paid them off and got my cards cancelled for good..If u too have a credit card then I would advise you to go to their office in the Burjuman Business Tower and settle it off..They will bleed you with their charges if u don’t pay installments on time…Please go to their office and ask them that you wish to cancel ur card and try to cut it off even if you have to borrow from somewhere…They are one of the deadliest lending Sharks!!

  • http://www.blackgalaxygranite.net/ Jack

    It’s never be a good idea to go to jail. I think you should discuss with bank before they sue you.
    .-= Jack´s last blog ..How to choose natural quality black galaxy granite =-.

  • http://Website Charles

    Thank you so much REAL for the advice, God bless you.

  • http://Website Mely

    Hi everyone

    My brother is in big trouble here in Dubai. He has a bad check for 270,000DHS and he is in jail for it. It was a personal check and he already paid the guy 170 K . Will the judge look in to that and reduce his sentence? After this is done im gonna take him home to US. This place is crazy!

  • Charles

    Dear Steve,

    Follow-up question sir!
    Supposed that they filed a case against me in Qatar, will i get arrested here in UAE?
    Now I am using a different passport which required in my new job.
    I have prepared a certain amount of money to pay some of my debt with them.

    Please inform any possible things to happen.

    Thank you.

    • http://GetOutOfDebt.org Steve Rhode

      Charles,

      Due to the potential complexity of your specific case and the broad range of advice others have shared I think the best thing for you to do is find a lawyer in the UAE and ask them for specific legal advice on this matter.

      Steve

    • Real

      Dear Charles ;

      normally for credit cards and loans there is no links between the GCC countries , so you should be safe if you come to the UAE , and they only extradict people if the amount involved is over $1 million (wich worth reporting to interpol).

      However you have to check the legal process in Qatar .,

      based on my information , the UAE is the only country in the world which put defaulters in jail without prof of the debt , and to do so they just use the bounced cheques to file criminal cases and they sentence you to specific time in jail wihout having to prove how much amount you owe or wether you are guily or not ( you signature on the cheque is the only crime that you have made so far ) .

      Later on they go to the civilized process through the civil case and try to prove wether you are guily or not and reach the proper and fair setlment arangment with you , but till you reach that stage it will be too late (normally you will never be able to servive and get back your life or settle any debt after you serve jail sentence )

      in other countries ( where jsutice is the base to solve any conflict ) , usually they have to file civil cases against you which you can defend yourself and reach certain setlment agreement in the process , and if you fail to do so and they prove that you are guilty and comited the crime intentially then they send you to jail .

      in your situation , First you have to check what is the system applied in Qatar !!, then you will know wether you are safe or not .

      but in general as MZ said , if you have options to go to other countries , don’t wast your time and risk your life in the middle east , go to pleaces where you and your family will be safe , or at least you will get fair trial and treatment .

    • LadyGaga82

      Hi Charles,

      Just want to share what happened to me. We have the same situation. I had a credit card in Qatar which I failed to settle before leaving the country for good. I am currently working in Dubai.

      To answer your question, yes, they can arrest you in Dubai if they have already filed a case against you in Qatar, ruled you guilty and if they have submitted your case to Dubai Interpol.

      Happened to me. Interpol came to my office and invited me to go to their office because of some problems with my passport. When they pick you up, they won’t tell you straight away that you were wanted because of your unpaid debt. They will tell you some other reasons like passport duplication.

      Only when you arrive at the police station will they inform you of the case filed against you in Qatar. They will take your statement, photograph you, fingerprint and take your iris scan. If it is still early in the day and you are luckky (before 2pm) you will go to the prosecution court and face the judge. Usually, Qatar court will demand extradition. But Dubai courts will not force you to be extradited. The judge will ask you if you are willing to return to Qatar for extradition, which of course in my case, I did not agree. If you are unlucky and is unable to see the judge on same day, you will have to spend the night (or several nights) in jail.

      I spent 2nights. I had the court hearing the next day and the judge has allowed me to bail out of jail if I can provide someone who can guarantee me (a friend / family). Guarantee – meaning to have someone willing to leave their passport with the Dubai courts as guarantee for your going out. By this time your passport will also be with them already.

      If you can provide the guarantee passport, you can get out right away, while waiting for the verdict / feedback from Qatar. Might take between 2-3 months to hear anything. The verdict can either be having you pay the whole debt amount or by installment/arrangement depending on the bank.

      As of writing this comment, I am still waiting for the feedback from the Dubai Courts. They have already called my husband (who was my guarantee) informing him that if they will not hear anything / feedback from Qatar, the case against me will be dropped and they will return our passports. Hopefully next week, I can get our passports back. Will update once already finished.

      Just an advice though, if you h ave similar case as me, better change / get new your passport. In that case, they will not be able to trace you as the passport number is what they are using for tracing people here in UAE.

      Good luck to everyone who’s in the same boat as me.

      LadyGaga82

  • Charles

    Hello Steve,

    I have an unpaid credit card back in Qatar, unfortunately it accummulates and reach about 35thousand Qrs. I dont have a plan not to pay it, so happened that i got a new job here in UAE. I want to ask how much credit it would be, before they required the person arrested.
    I don’t know my legal status now, but last time i went on vacation there was no problem in airport.
    I am willing to pay it because i have a job here in UAE, but i can pay it in monthly term.
    Can you please advice me how much it would be before they apprehend the person and put in trouble.
    Your advice would give me confidence to prepare and start paying my debts in credit card.

    Thank you.

    • http://GetOutOfDebt.org Steve Rhode

      Charles,

      Find a lawyer and ask them for a specific legal opinion about your particular situation.

      Steve

  • http://zeeshandiary.blogspot.com MZ

    Hi Steve,

    Just an update. I was in continuous touch with Rak bank for an AED 20,000 defaulted on credit cards. They have agreed to settle it for 5000 AED. But the rest have to be paid in installments as low as 250 a month as soon as i found a job. But i have decided against going over there. Last comment by “Real” has already made me feel fickleminded about the whole thing and i have decided to go to either UK or canada…But just a thought, I am 26 years old, born, brought up and lived in UAE for around 25 years of my total life. They do not give nationality to anyone. What a waste of time I had in this country with an artificial life. At the end I had to return to the slums of Pakistan. It is better for me to move to a place that accepts me as a citizen one day. Peace
    .-= MZ´s last blog ..Linkedin Has Revolutionized Professional Networking =-.

    • Mario

      Hi MZ

      You made the right decision, the banks in the UAE are very bad in these situations. I have been out of Dubai for over a year with huge debts and I am still in touch with the banks via emails. Every time I reach some sort of agreement they say they removed the police case. When a friend of mine checks he finds out that the case is still there. These banks lie and cheat just to get you back so you can get caught.

      I have also read some posts here about small jail time and your dues will be waived. This is NOT true, if it was every one would have done it.

      Here is what happens, you will get jailed from 3 to six months initially based on the amount, your debt still exists after this period. Then the bank will file a civil suit against you and again based on the amount you are looking at 2 to 5 years jail, after which you be be deported depending on the sentence.

      Do not be fooled people, spending a couple of weeks in jail does not solve your problem. If you really cannot pay then you MUST leave, the banks usually file a police case after three months of non payment as average, but do NOT wait.

      M

      • FREEHOLDKING

        MAIRO please find my previous answer to you regarding civil suite hope it will give you beter option REGARDS KING

  • chelseyI

    Hi steve,

    I left Dubai in 2008 with debt in the bank and went to
    Canada as a temporary worker. I have all the intention in paying the my monthly payment until my Mother got really sick and She needed the money more than I do. So I stop paying and sending the money to my Mother instead. During my stay here I’ve met a nice guy he offered me a marriage. My friend told me If I’m going to marry this guy and file for a spouse sponsorship the police clearance from Dubai would be one of the requirements in the processing of the papers. I wanna setle my debt but I don’t have money. Is it possible to obtain a police clearance from Dubai even I have debt and not in there country? Would they follow me here in Canada? what are my options beside paying the bank?
    I need your advice…

    thanks.

  • Real

    Hi MZ;

    You are taking very high risk ; most propably you will be arested in the airport .

    banks never remove the police case , they give you release paper and it’s you who go and present it to police , so all what you say dos not make any sense.

    it will be wiser if your brother make the deal on your behalf before you enter the country and after he obtain the release paper in his hand then you travel , it’s better for you because since you are out you can make better deal with the banks , and it is safer because bailing and finishing your story in fast way is totally unpredictable and depend a lot on luck .

    once you become in police custody you will discover 2 things that dos not have any value ( Time and Human ), so better think twice and be wise if you don’t want to be sorry ( what you hear outside is totally difrent from what you might see, Not every thing is great and comfortable in Dubai , you will discover the real middle east life once you step in; especially if you land in burdubai, Rashidia or nayef police stations then you will discover the reality )

    Also you should know that only the CID have access to the wanted list and details , Imigration and other department they just see a mark which say they should contact police , even trafic police and normal police department cannot tell you if you are wanted or not , they have to call the operation room and get the information … so don’t rely much on general information .

  • http://zeeshandiary.blogspot.com MZ

    Hi Guys,

    I am travelling to dubai before the end of this month. I had 3 cases against me by the banks and one of my acquantances got it off by speaking to them. At the moment there is only verbal agreement that the banks will take off the cases. My brother checked with immigration and they said my passport was clear for travelling. Let me travel and see whether what turns up and then i will update you folks. My trump card in case if i get caught is my brother who said he will take a loan and pay off my debts or try to guarantee if they agree. (This is in case i am unlucky and get caught). But guys i will tell you one thing. Try to stay away from banks. I have learnt my lesson the hard way. They are thieves.
    .-= MZ´s last blog ..7 Rules for Deeper Inner Peace =-.

  • Real

    Hi;
    i just want to share my personal experience which i hope it will help you .

    i live in Dubai and i had credit cards, personal loans , comercial loans and difrent type of facilities from many banks .

    unfortunatly due to many circumstances i start defaulting on payment and banks start filing police cases against me , and in spite several atempt to consolidate my loans or reach setlment i could not succeed in finalising any setlment .

    one evening i had the CID knoking on my door at midnight and they took me to jail , luckily by the time that i was arested my family managed to sell some assets and pay the debt so i was released after few weeks.

    this what will hapen with you if you are arested :

    1/ the debt will never be waived !!

    2/ as per the UAE law you are sent to jail because you sign the cheque and they don’t care if you pay the money or not , however the rule say if you pay then the sentence is waived and you will be pardoned but it will always remain in your file , so if you don’t pay the bank or the lender have the right to file another civil case to claim back the money, but most of the banks don’t do it because it consume time and money , and they prefer to claim the debt from insurance or sell the debt to colection agencies , but never take the risk as it is unpredictable if the bank will file or not the civil case and there where you could end up in seariouse mess, therfore the minute that you get out you should leave the country .

    as per the UAE law there is no deportation or imigration black listing for financial crimes , because they clasify it as minor crimes even if the sentence are in years.

    - when you are arested you will first be taken to police station which are very crowded and dirty places( but the police men are kind and good ) , you will spend 48 hour till they take you to public procecutor who will decide either to bail you out by taking your passport or the passport of your friend as guarantee or he will decide to live you in jail , and if he do so you will spend 10 aditional day in that police station till the court date , where you will be presented to a judge along with many inmate and you will see the judge for a maximum of 20 second ; he will tell you did you issue this cheque to so and so company or bank , and the answer should be either yes or no because he is not interested to hear any thing else , then he tell you are you guilty and also the answer will be yes or no , so he send you out and you wait for your sentence which is normally 1 to 2 month for amount below 50.000 and 3 month if the amount less than 100.000 and 6 month and up for more and normally even when you get the sentence you can apeal so it will be reduced to halve or less also the month in jail is calculated as 23 day only.

    the real problem is when you have mutiple cheques your sentence for the 2nd or 3d or after will be tough such as 6 month for 50k or 1 year for 100k.

    now in regards to the banks setlment , never make the mistake of paying part payment without geting writen agreement that the loan or card has been canceled and what you are paying is part of the setlment , because you will discover that the bank are taking your money and alocating it to fines and interest and your problem is still as it is .

    morover if you have default never go to any branch and never trust any banker , normaly they will act like angles till you come to them and then they will call the CID to arest you as a way to balckmail you and colect more money from you and impose stricter condition and demand aditional guarantee or guarantor to release you.

    you have to remember that dealing with the devils is much safer than dealing with the Dubai bankers and their colection department ( I saw cases where bankers ask the defaulters to deposit the money in the bank acount and come back to colect release paper , but when he did they just kick him out and ask him to go and get aditional money )

    as per the setlments,most of the time the bank is interested to colect the principal amount and they are ready to give you up to 12 instalment if you provide guarantor, but normally they will rey to get as much extra as they can because it increase their bonus and comissions .

    as for discounting and waivers it is unlikley unless the client is out of the country or the debt is older than 2-3 year and the lost hope of recovering it , in that case they might go up to 50% discount and even they might offer instalment .

    i hope the above information will help some one and make your life easier .

    • http://GetOutOfDebt.org Steve Rhode

      Thank you so very much for posting this information.

      Steve

      • Freeholdking

        Steve you are so kind and MR REAL is almost right and REGARDS to give this information to every person who is curently sufer this situation, i would like please read my previosly leter which i write as a KING LOGO regarding civil case hope you will find setesfaction,

  • Mohammed h.k

    Hello Steve,

    i had a loan of 16000aed from CITI BANK & 2 credit card with 4000 aed each, i left Dubai 7 months back,

    its confirmed i have case with all banks.. but i was in regular touch with all bank in emails & i agreed to pay some of 10,000 aed total equally divided to all 3 banks and get a settlement letter & orignal receipt of payments (which my friend wil do in dubai)& balance i will pay once i get my first salary their…

    My concern is ARE SETTLEMENT LETTERS IS A SAFE WAY TO ENTER DUBAI?? i have found a job in Dubai , as recovery agents from banks say yes.. have written emails from them but i still hesitate to take a step ahead… Plz advise on same,

    regards
    Mohammed H.K

    • http://GetOutOfDebt.org Steve Rhode

      For a legal opinion on this you’ll need to contact an attorney in Dubai before you enter the country.

      Steve

      • Mohammed h.k

        Dear Steve,

        Thank you so much for your instant reply :)
        As you know i am currently in India & its difficult to find a friendly lawyer who can advice me on same or rest of the people in this Forum,
        Do any one of us have any detail of lawyers who can give us friendly advice… and guide us to rite path before falling in trap…

        Would appreciate your revert & help for all

        Thanks Steve you are a good man.. every 1 feels so good to have a chat or reply to their request..

        keep it up Steve :)

        regards
        Mohd H.k

    • Real

      Dear Mohammed;

      you do not need lawyer but what you need is a good friend who is ready to help you .

      what you should do is to finalise your negotiation with the bank and your friend should pay whatever amount you agree and get from them clearance letter ( don’t pay a single fils unless you see the clearance letter or writen agreement for the setlment ).

      after that he need to vist each police station where the cases are filed and present seperat clearance letters to remove your name from their system .

      in the main time , the same officer who is removing your name will tell your friend if there is still any case against you in the system , and usually these offices will tell him the truth .

      don’t trust when the bank tell you we will send the clearance letter to police and remove the name , they never do so and it’s just a game to catch you.

      any other way or promises will only drain your money and give you fake hope .

  • Abhushan

    Hi Muhammed,

    Nice to know this important task info from your side. I have few queries and information for you :

    1) Have you got any confirmation letter form ALL BANKS that there is no cases against you with terms & conditions.

    2) If no, then be carefull before going to Dubai again. Lots of banks are using this tricks now these days to get back the person back in their own den. Once you will be there, you are gone…..

    3) Getting a Visit Visa doesnt mean that no case against you. New Visa issues despite of any police complain. The moment you will try to clear immigration, there would be a Black Mark against your record in their system whcih will alert them to call for police. This way you shall get arrested at immigration.

    Let me know you further experience.

  • Muhammad

    Hi Steve,

    I want to share this “IMPORTANT” information with you folks. I had a total of around 80000 AED on credit cards and personal loans from 4 different banks. I was made redundant so what i did as everyone was to park my car and flew to Pakistan. After few months a collection agency started coming to my house from one of the banks. They used to come to my house and ask my neighbours about my whereabouts. My mom told them that i was not here and i was in another city as she knew i already had a lot of mental trauma due to loss of job and the owner of the company running away without paying employee salaries.

    I decided that i will not take this insult from a collection agency. I started searching the internet for my rights. Then one fine day i contacted one of my friends in Dubai and he went to all the banks one by one and tried to convince them to take cases back. Within 2 weeks all the three called him and said they were ready to take cases back if i had intent to pay them once i get a job in dubai. He agreed to it and assured them that definately i will come find a job and then start paying from where it stopped (Principal amount only without interest and late charges). They agreed and my cases have finally been waived off.

    Guys, one of the bankers advised my friend, if someone wants to remove the name from the immigration check the right time is now. When every bank is facing liquidity crisis. They are willing to negotitate if people approach them through friends. He also recently sent me a visit visa which confirms that the cases HAVE been taken back.

  • Jo-anne

    Hi Steve,

    I’ve been reading forums here about debts in Dubai and I must say it is indeed very enlightening and helpful for people who in are debt in the UAE.

    I was never able to keep up with my bank loans / cards payments after being included in a mass termination in January 2009 and even though I landed a new job in May of 2009, it was never easy to have my payments regularized. Unfortunately I lost my job for the second time (31 Jan 2010), and much as I want to flee UAE and start a life in a new country, I am unable to do so as my banks filed police case against me (discovered after my current company applied visa cancellation).

    Now, not only the collection agents are harrassing me for payments, my employer is also pushing me til 1st week of March to settle my bank issues in order for them to cancel my visa. I currently have an approximate AED 180,000 accumulated debt (personal loans, credit cards from 5 banks).

    I have long ignored the calls of the collection agents as I am certain I am bound to go behind bars. But before doing so, I am gathering information on the condition I will face in the jail as well as how long could be the sentence be for AED 180,000 debt amount. I was also told, I cannot just voluntarily go to the CID or Police to turn myself in as I would not be accepted just like that. For this reason, my friends and I are contacting few people who might know the procedure or the process that I need to follow.

    I have not received any confirmed information that the loan amount will be waived if I serve a term in jail (but I have heard a lot of similar stories, like in your forum, where people go out free of financial burden after being imprisoned).

    Steve, if I seek a lawyer’s advice or assistance to process my case, would you know how much would they charge? Will I get one-year-ban after serving the term?

    I hope to share my experience after serving my term. I hope to do this in 2-3 weeks time (I also hope the term wouldn’t be that long though).

    Thanks for your feedback.

    Jho-anne

    • http://GetOutOfDebt.org Steve Rhode

      Jo-Anne,

      Thank you for sharing and I am very interested in what happens next. The more you can share the more you and I can help others.

      I’m afraid I have no idea what a lawyer in Dubai charges.

      It sounds like you are in a ‘no-win’ situation with limited options but you sound like someone that can face those obstacles with grace.

      Steve

  • Cassandra

    Dear Steve,

    As i was reading your column i couldn’t stop myself from crying… I’VE BEEN TO THAT SITUATION and still trying to make my life normal…

    I worked in dubai for 3 years and had loans that i cannot pay anymore, with all the phone calls, harassment and countless sleepless nights, i knew then that i have to escape before i totally loose my mind…I was able to leave dubai and been here in my country for over a year now… But no one in my family know that i left dubai with debts.

    The debt collectors are starting to call and harass my friends in dubai to tell them where i am now, but my friends in dubai did not even know i left the country already or where to contact me.. then i got an email from a friend telling me about this and warned me that the collector wants me to know that i will not be able to have a chance to travel anywhere in the world because i am already reported in interpol..

    I have a fiance an american citizen and would want me to go there in america this year to meet his family.. I kept turning down his offer because of my fears that i might be put on-hold in my country’s immigration or in the us immigration because of my debts in dubai..

    This might sound crazy but i dont know anybody whom i can talk to regarding this fears of mine until i read your columns..

    Please let me know if i can finally meet my fiance family because the last words i got from the debt collectors is that they will report me in INTERPOL so i have no other ways to leave my country.. and to free myself from all of these fears..

    your reply is very much appreciated.. Cassandra.

    • http://GetOutOfDebt.org Steve Rhode

      Cassandra,

      Dubai has no control over your travels except within the GCC countries. Go meet you love and the family without fear.

      People don’t get deported from the U.S. to Dubai for debt problems.

      Steve

  • Jimmy Gomez

    i lost my job in UAE, and i can not pay for my loans.
    to avoid jail sentence, i fled the country to find employment, after a year i contacted my friends in UAE, and informed that my where about, after 2 days the bank start calling me to pay up my debts or not they will directly speak with my employer. i did pay as the amount requested but at same time the debt collect did speak to my employer and i was ask to leave the company. Now that im unemployed.. i return back to Mindanao, will they be able to trace me?

  • Mansoor Abid

    Hi Steve,

    I am still waiting for an answer please advice?

  • QatarKate

    Hi Steve, I have returned to my home country leaving a big debt in Dubai. Can i now go to Qatar safely and start my life over? Many thanks.

    • http://GetOutOfDebt.org Steve Rhode

      Kate,

      Some have reported no problem traveling to Qatar, but I think Qatar is one of the countries in the GCC and that could create a problem. It would be best to contact a lawyer in Qatar and ask them for specific legal advice regarding your situation.

      Steve

  • Mansoor Abid

    Dear Steve,

    I Use to work in Dubai.

    I have a situation, I worked for a company who didnt paid my salaries for three month from june last year, I went to the labor ministry to file a complain regarding non payment of salaries,along with my another colleague who was also in the same position…Ministry of Labour followed up with the company and they played delay tricks …after following company for 3-4 times and didnt getting any satisfactory answer from them..the ministry has forwarded our case to dubai court where we fought tooth and nail and finally I along with my colleague won the case and court ordered to pay us compensation in tune of around 200000 each..but during the course of the court hearing the owner of the company ran away and closed down the company..now due to non payment of salaries I have exhausted my credit cards and also have car loan..the total loan amount is less than what company owe me….but right now due to present scenario job market in dubai is bad and its difficult for me to pay those debts….

    I asked this question here with many people regarding my compensation that what will happen now sine the company is closed who will pay that amount…i got answers that sponsor will never pay as they have side agreements with the owners of the company and since the company was a LLC so minimum liability will be 300000 and that will be only paid if it is available with the ministry of labour which in our case has been used up by the owner earlier against the development of the company.

    Now my questions are:

    In Present scenario my Credit card and car loans debts are due to non payment of salaries and though i have a judgment in my favor which is more than the collective debts…chances of getting that compensation is nill so how could i repay bk my loan will the court or competent authorities here will honor the judgment and waive my loan ?

    Should I talk to the banks and ask them to give me time till i find a job to paying their installments..in this case it is a hypothetical scenario as getting a job is quite difficult these days.

    what to do ? Please advice ?

  • sam

    I left the UAE as I lost my job. i then moved to kuwait to get alternative employment. I have defaulted and the bank in Dubai have stated that they have filed a case against me. Can I be arrested in Kuwait airport and sent back to Dubai and go to jail?

  • jem

    hi steve,

    I’ve got terminated last 15 December, 2009 but the effectivity is on 1st of January 2010 and the company given me 1 month notice. My visa was canceled already and I have to stay until 26 of Feb. 2010. I have still outstanding personal loan balance in Emirates NBD amounting to 46000 including my credit cards. I already talked to one person in the Emirates NBD recovery department and told me to seek for a new job in order to pay for the loan. I presented my termination paper to him and told me “Sir this paper was useless and will not changed anything in your loan balance or credit cards, eventhough that you loss your job you “must” pay the amount”. What I am asking to him was, How can I pay now that I don’t have a job? All I want is to ask their considerations regarding the payment or waived it until I can find a new job. I am informing the bank through him for some changes because I was lost my job. He was not so considerate and gave me instead the requirements to be submitted when I find a new job. Now, I’ve found a new job but it is outside UAE and in Qatar? This I will be going outside UAE. I came back to him (ENBD)and show my Offer Letter and again he told me I need your passport copy with the new visa page and gave me a Bank Guarantee Letter to be provided by my new company. I went again to my new company and asked the Admin Manager, he told me, this matter is beyond my control and I don’t want to mingle with it. He even told me finish first this problems of yours then afterward you come back and your visa is ready for departure to Qatar. Now my question is, how will I submit my documents to the bank if my new company was refused to make a Bank Guarantee Letter? How can I work in Qatar? The bank guy told me also that there is one more choice to make and it will be to have a guarantor. I should have a guarantor before I leave this country? Is there any possibility to get a guarantor if you are alone in this country?

    • angel

      hi jem: knowing the people working behind the collection of NBD, it’s a fat chance they will realease your case unless there is a guarantor to help you out but even so, if they had filed a police case against you, there is no way you can leave dubai. Go to muraqabat police station, criminal division and give them your passport number to check if you have police case (better have somebody else check it for you rather that presenting yourself). if you do not have any case yet, leave Dubai! get out of dubai! This banks collection people are mean and evil as they are after their commission only. I know coz’ i had done this kind of work and it is sick how they harrass people. I did not survive their kind of world! TO THOSE WHO HAVE FIRST GULF BANK LOAN, RUN! AND TO THOSE WHO WAS ABLE TO RUN FOR THIS BANK…I REALLY SALUTE YOU!

      • senthil

        dear sir,

        when i was working in dubai i took a loan, still i have outstandings 110000 dhs from one bank and 150000 dhs form other bank and 40000 dhs from credit cards.. unfortunately i also lost the job.. me and my friend invested in real estate in dubai.. over night our dream crashed.. my friend committed suicide in dubai last ramadan because of debt collection agents harassment and fear.. all my friends and boss suggest me to leave dubai asap.. i left.. now i have a small job with lowest income.. i am scared of debt recovery agents.. i don’t have any property and debts on my name in india..

        i don’t know what to do.. i cannot commit suicide.. i am not in a situation to pay back.. they will put me in jail in india or they will take me back to dubai and put me in dubai jail till i clear my debt (like 5-6 years).. or through out my life the debt collector will hunt me..? is there freedom or its like life sentence..?

        and am also scared they will harass my old age parents.. the debt collection agency can take my parents property (one small house)..?

        i have to run through out my life to hide myself.. or can i face the consequences? some people are telling debt collector cant do anything so no need to worry and don’t fear for them, some people are telling they will take me back to dubai so run to some other state and hide urself.. please give me hope.. dont know what to do..

        senthil

      • http://GetOutOfDebt.org Steve Rhode

        Senthil,

        Nobody is going to extradite you and take you back to Dubai. You also cannot be put in jail in India for debts you owe in Dubai. Debt collectors may contact you and attempt to intimidate you into paying but they would just be trying to scare you.

        There is nothing in this situation that would make suicide reasonable. I’m sorry your friend felt suicide was his way to deal with this situation.

        Go and live your life in India. Find a way to smile again. If, in the future, a collection agent contacts you in India, the only thing they can force you to do is be afraid. If you are instead resolute and honest with them and don’t make any promises to repay you can’t afford, they can’t even intimidate you then. They can’t take anything from your parents. Their only weapon will be your fear and if you are not afraid, they have nothing else to use against you.

        Steve

  • jem

    hi steve,

    i am alone here in dubai. do you know how the procedure goes. i cannot pay by now but i already have a job waiting in qatar. how long will it take to be sentenced? will it be fast. then the stay in jail will the debt be waived off.

    yours truly
    jem

  • Anu

    Jem, Bad scene…..getting caught at the immigration will be very messy. You shall be escorted to the Jail straight away. But if you go to the police now for a bounced cheque case, they will ask you if you will pay now or they will keep your passport as security and will let u out untill u pay the whole amount.

    Even if you go to the police they wouldnt let you go. They’ll take u into custody and then only the procedure will begin. therefore you will have to have a friend who will run around to get you out…..( even keeping the passport as security ) Best thing pay it off by any means, get a clearance letter from the bank and then leave…

    Anu

    For all that you will have to have a friend who’s ready to help you out while u are inside

    Anyway its all bad as per my view.

  • jem

    Hi steve,
    which is better if theres a case filed for you for bank debts is it to go to the police station or to be caught in the immigration after your company cancel your visa

    yours faithfully
    jem

  • Ex-Expat

    James, and others

    I’ve also had personal experiences with the people from a number of the banks in the UAE, and they must be some of the most un-professional people I have ever dealt with.

    I was in a similar situation to you, but with another bank (NBD), and they sent a letter to my HR Dept, called my parents, etc over 2 missed payments. Unfortunately, I also had debts with other banks in Dubai as well. I’ve also had two banks who called my references, over 1 missed payment.

    My total debt was in the region of 250k, including Loan & 5 Cards. While my loan was deducted from my salary, I fell in to the problem of using one card this month, to pay another, and so on. Then, when things got really expensive in Dubai, it got too much – I couldnt get another loan to pay rent, or get another Credit Card.

    I tried to reason with a number of the Collections Departments, but as asking to make other payment arrangements wasnt part of the script that they read from, it made it impossible to attempt to fix the problems I had got myself into.

    So, I went on a trip, and have never went back. Sure, I get a few calls every now and again, but I generally keep all communication on email, should the situation ever arise in my home country, that at least I can always say that I have communicated with my debtors, and have tried to come to some agreement.

    Some other people on this site have suggested that you should go to prison and serve your time, I disagree with that so much. There is no shame in running back to your home country, although there is a recession and it may be harder to get work, I would suggest that before even thinking about going to jail.

    At least running, when you get home, you tell people you lost your job – no big deal – its a recession. Tell them you lost your job, went to jail, and then got deported, believe me that will cause you more problems in your home country, than running away from some debt in the UAE.

    I dont advocate running, but at least in your home country, you know the system, and can deal with it without the added stress of possibly going to jail.

    Good luck over there….

  • richard

    Hi Everybody,

    Its a really terrible time to be in Dubai these days. Especially if youre caught jobless. Ive heard much, much terrible stories from other people- from friends of friends or the sort. I’ve learned a lot from this site, and decided to share what I learned.
    Many of the bigger companies here give 3 months salary plus accumulated benefits to sacked employees. However, if you have a bank debt (cards or loan)-even an updated one, the employer is obliged to remit all of this remuneration to the bank to settle the unpaid debt. The employer is also required to tell the bank that the employee is sacked and will no longer be visa-sponsored by the employer. Once this happens, red lights and alarms abound the bank and they WILL freeze the employees’ credit cards and accounts unless you talk to the bank personally…in which case, they will still likely freeze your accounts until you show them proof that you got another employment and will release the money you got paid for from previous employer, less of course the outstanding obligation. Friends,banks in the UAE have been known to be consistently harsh to those who are suffering- unless of course you are an Emirati where thousands of options are available. By all means,lets try to make ends meet without using the damn credit cards.Use them only if darn necessary.If you can eliminate them at all, please do so. The points, rewards, and discts they seem to offer are nothing compared to the peace of mind you will have during rainy days.Dubai is the last place wed want to be if we are down. Locals think of Expats as necessary nuisance so they can live their lives very comfortably. Its a culture/thinking that envelops even the financial/banking system. In Saudi where I used to work, the common reply to an expat when caught in an accident with the Saudi man at fault (as is usually the case), is that “this will not happen if you were not here (in our country)…which is both true…and pathetic.Trust me, Ive experienced it personally. At any rate, UAE is much much modern, but again- discrimination always abounds…Judgment for any particular case and situation is never standard and will depend on the mood of the judge, your connections, your nationality- and sometimes, the team that wins the recent soccer match. I currently have a AED60k loan a few months back to have my house in my home country repaired after a drastic typhoon. Worked, but still aint sure if it had been worth it. People tend to take things for granted, and gamble a lot for comfort. Prevention is always better than cure, for those who had not been victimized by the system, avoid unnecessary debt like a plague…in most cases- you will be suprised that you can if you try

  • james

    I’am also a victim of recession in Dubai have no choice but to leave the country with a loan of 120,000DHS.I was paying my loan in 4 months after my layoffs while doing freelance job.Still have my visa that time as consideration of my company not to cancel it. My question is how true that anyone who leaves their loan in UAE are possible to go in jail and will catch on their home country? Thanks in advance

    • Mario

      Hi James

      No one can touch you anywhere except the UAE… Good luck

  • Suraj

    I am working in dubai for a company and getting my salary properly.Before I missed so many payments in my credit card,but by 6-7 i am doing it correctly and came to know upon renewal of visa that I have police case on two credit cards.Now I cant renew my Visa bcse of this reason.I speak with collection department and told i will settle my Overdue and plse relase the case but they want the full outstanding which is 15000 AED and 33OOO AED.So i think if they dont want money let them put in jail.Wat can i doo…?

  • Edward

    thanks for the reply, Steve..

    by the way, how will i know if they already filed a case against me for not paying the 5,000dhs (with credit limit of 6,000)? so far, they’re keep calling me ALMOST EVERYDAY. What will i tell them? i don’t have any source of income, still looking for a job and still trying to survive on the DUBAI crisis.. :)

    thanks, Edward

    • Anu

      Generally, if you have missed 2-3 installments they probably would have produced your cheques. How u are gonna know if you have a case is dat at the immigration counter at the air port when you try to leave of enter the country. What they do these days is that they keep your passport as security and release you…. untill you find a job and pay the loan in full – so that you will not leave the country for any reason what so ever. how ever if you have any friend working in the airport you could give your passport number to get it checked if any black marks are there under the passport number. If no is appearing – RUN RUN to your country

  • Michael

    It to bad the US doesn’t have a system to put people in jail like UAE. Instead of having all this debt over my head, I could go to jail and my record could be clear. How come the US doesn’t do this???

    • http://GetOutOfDebt.org Steve Rhode

      Michael,

      The U.S. got rid of debt prisons in the 1800s and enacted bankruptcy legislation that allows you to eliminate your debt without jail. Something they need in the UAE.

      Steve

  • Edward

    Hi Steve.. it’s good to know that there’s a website like this. Just want to ask, do you have any idea if how much will be the cost of unpaid debts (credit card) before you go to jail? do we have believe to all threats that we used to hear from legal representatives? do you think that i will be ended up in a jail if i did not pay 5000 dirhams?

    thanks!

    Edward of Dubai

    • http://GetOutOfDebt.org Steve Rhode

      Edward,

      If you can’t pay it then ask them to hurry up and send you to jail for a couple of weeks so you can leave debt free. It’s not the most pleasant solution but if you do decide to do the bit of time in jail you can leave jail laughing that you beat them at their own game.

      You see, in the grand scheme of things, the bit of jail time, that clears your debt completely, is free and gets the debt eliminated completely.

      Without any bankruptcy available in the UAE the best advice is to get to jail as quickly as possible and mentally think of jail as a vacation or holiday at a really, really bad hotel and get your debt eliminated for free.

      Steve

      • Mario

        Dear Steve

        That is not entirely correct. The first jail sentence you get (Usually 3 to six months) is for the bounced cheque. After serving that sentence most banks would then file civil case against you where by you are looking at anything between a year to 3 years. It is NOT as simple as spend a month and it goes away. That is wrong advice. I am in the same mess as most here and am out of Dubai. The info above is from a very trusted lawyer.

        Again the problem does NOT go away by short jail time.

        Thanks

      • Freeholdking

        do not wories my friend after Mario answer i have solution for this blody civil case as well,as par my friend came from jail he told me banks will never file on you civil suite because for civil case he need to be deposit of 8% on the total outstanding amount to the court, supose i have a outstading loan or credit card amount is 100,000 dhs with any bank if the bank will file on me civil case he need to be deposted 8000 dhs 8% of 100,000,i will say ha ha ha bank know thier client dosnt have money thats y he took jail,they almost loose 100,000 dhs and they will never loose 8000 from this poket,please be noted this idea i took from my friend who recently came from same situation and bank dosnt file the civil suit what i said
        one great advise to all my friendz please aviod all the lowyer they are only make you fool and majorty will not even come on your prosicution date
        best REGARDS to all my friendz espassly MR STEVE RHODE from KING

  • Debty

    Hi Steve,

    I will definitely share what i have experienced inside… i know it wont take too long, i dont want to.. but thats the only option i’ve got. A friend of mine told me that the sentence to a women is half than the sentenced to a man, we
    ‘ll see.

    Keep in touch!

  • Debty

    Hi All,

    im on the same boat…. the bank filed a case against me, my hubby lost his job, i resigned to my Company as we decided to go back home, but unfortunately i found out that the bank filed a case against me, 3 banks filed a case (1st Gulf Bank,Mashreq, RAK Bank) with the total of 22K dhs. i know its not that big amount though, but i have decided to serve my term in jail,i cant afford to pay that 22K honestly, the thing is… i dont know for how many weeks/months do i have to stay in jail, worst comes to worst.. but i will go to police station by Jan. 2010.

    • http://GetOutOfDebt.org Steve Rhode

      Debty,

      The good news is that once your time is done you will not owe the debt. Think about it like bankruptcy, your debt will be discharged.

      Your debt does not sound too high that the time should not be more than a couple of weeks.

      From what has been reported back to me, jail for debt in Dubai is certainly not the Ritz and it is not the place you want to be, but nobody has complained about being treated badly. I understand their are many foreigners in the debtor part of the jail.

      Maybe it could make the stay a little easier if you look at it as research and post a big review of it after your stay. We all need to know more about the inside story.

      Big hug.

      Steve

    • Reply

      Hi Debty,
      A close of frind of mine had around 300,000 in debt, he just bougth a ticket and went back to india. Do the same, donot surrender to the police, it would be foolish. Just cancel ur visa and get out, the banks would never know unless u have a comapny salary account with them. Noone has even contacted my frind in india, its been 6months since and hes living peacefully.

      Take care.

      Nadeem.

      • Anu

        Yeah dats all right,

        But why does somebody need to wait untill the visa is cancelled. Just leave as if you are going on a vacation……. and never come back…. Dats all Waiting for the visa to be cancelled is too risky and time consuming… Just leave without telling anybody…

        Anu

      • angel

        hello debty! I had the same problem with FGB and they are really horrible people! you cannot negotiate with them as they are extremely rude and very uncivilize. when you go to court, make sure you have a lawyer to represent you and the court will hear your plea and they will give you a shorter term in jail. In mashreq bank and rak bank, i know people from legal department who might help you, they are a little bit more human than First Gulf Bank. Call me at 055-8742616 and i will give you the legal officers who might be able to help you.

  • Anu

    Hi,

    Sounds scary but I guess its the only solution left to get out of the mess unless otherwise u leave the country as soon as possible. Keep aside your self Anna, guess the Dubai ruler itself is in a debt crisis which he cant pay back ( Dubai world case )If possible – try n get out of the country before its too late.

    Anu

  • Anna

    I feel very sad about this…because I have the same problem,I don’t know what should I do…
    I wish everybody good luck in Dubai

    • http://GetOutOfDebt.org Steve Rhode

      Anna,

      Honestly, as nasty as a visit to prison sounds it really is the easiest way out of this mess. Some people are in for as little as a couple of weeks but once they come out, their debt is cleared. One person wrote in they used their holiday time to do the time so their employer never knew.

      Steve

  • Harold

    Hi Steve! My friend’s jail experience is horrible. He stays with several inmates with different nationalities, some sleep in bed and the others on the ground. They eat mostly arabic food and shares a toilet and poorly functioning shower. But with the situation he was in, he survived!

    Harold

    • krishna

      Hi, my company terminate me few days back when i am in india for vacation through email. my total outstanding almost 350K (two loans + cards) i have to return this jan 10th to dubai. If i go to dubai debt prison this mess will be cleared? I will get 6 – 9 month prison period? I am ready to do this for my family. I cannot run or hide rest of my life for this. Or i have to hide. is this right decision? I know its sounds crazy. I dont have a choice now…

      • http://GetOutOfDebt.org Steve Rhode

        Krishna,

        It is a crazy situation indeed. I can’t imagine what it feels like to get fired by email. Doing the time in prison is the quickest way to clear the debt it seems, unless you have a sufficient amount of money to offer as a settlement.

        I would find a lawyer in Dubai and discuss the matter with the lawyer.

        Please update me as this moves forward so others can learn from what you find out.

        Steve

      • Anu

        Hi ,

        For 350k I cant really tell you how long u might have to stay there. Steve, there is another thing we need to take in to account. Not everybody gets to stay in uae even if they serve the jail time. for big amounts of money some may even end up serving 3-4 years + they get deported. therefore the best thing for krishna is to not set foot in dxb again ever – try to get a new passport with a slightly changed name and a new passport number and then find a job in the region except uae…..

        Anu

      • Krishna

        Hi Anu & Steve,

        I spoke to one loan department person, what he said is one of his known person was in prison for 6 months for 300K Dhs. and he said “it’s depend judge” some judge were very strict and some are soft. as you said may be i will get 3 years or 6 months who knows. he also suggested the same thing what you suggest take a new passport thats it… don’t come back when in you are in india… because if you are in india you are safe. indian government law not allow to harass anyone for the debt. May be they will come and threat you thats it nothing else…. so i decided stay back. Thanks for that friend :-)

        Krishna

      • Krishna

        and one more important thing, if the loan is from one bank then you are safe, if you have 3 cards + 1 car loan + 2 Personal loans then you are in big trouble… they will take you to the court one by one. my case is like this. thank god i supposed to go tomorrow now i cancelled

      • krishna

        Hi Steve,

        In india what all the possibilities debt collection agencies have to trace m? I changed my house, my name, my contact numbers. No body knows where we are including my friends. I gave only two phone numbers to the bank. That also i cancelled. We don’t have permanent address. And i cannot travel to GCC countries only or all over the world?

  • Harold

    My friend is a bank collector. According to him there are certain procedures they follow on collections of overdue payment in the UAE. They try to become rude, unhuman and unreasonable at first and pressure you until time will come that you do not want to answer their calls or even change your number. They will soon document all conversations made in favor of them and present it to the insurance company stating that you are unreachable and is not willing to pay-off or clear the debt by any means. The insurance company will then assign their LOAN RECOVERY AGENCY (one of them is Bilkish Associates) to represent in the bank’s behalf to again call you or your home country for the payment. This will be done several times and for months. If the loan recovery agent confirms the bank’s report that you are unable to pay off the debt by not answering the calls, the bank will soon get the money from the insurance company. As a consequence you will have a police case and soon end up in jail if you are still in the UAE. This happened to my other friend, who owed AED80k from a bank, was not able to pay for 6 months and put him to jail for 45 days. After that his debt was waived off and now has a new job. As an advice, ifever somebody calls you from the bank, give them your email id and it would be better to communicate with these collectors by mail. Be sure not to ignore their mails because it will give you at least some benefits. First, you will have records of your dealings with them on how they want the payment will be made or a request on how you will make the payment. Second, they can deal with you professionally without any harrassment and emotional black mail unlike the way they speak to customers on phone wherein they can say whatever they want. Best regards.

    • http://GetOutOfDebt.org Steve Rhode

      Harold,

      Excellent advice. Thank you for sharing it.

      Steve

    • http://GetOutOfDebt.org Steve Rhode

      Harold,

      what did your friend say his experience in jail was like?

      Steve

    • Naida

      Hi harold, i used to asked a favour that way but still they dont want to accept that because they want full payment of 18,000aed. i already pay it for 2 years just i delayed for 3 months and they want big amount in which i cannot give .please advised me harold

  • Anu

    As far as I know if you have been paying the monthly instalments / minimum amount – you will have no problems. But if you have not done that and you have any arrears accumulated for over 3 months then guess you would be having one by now – the reason being due to the financial crisis thousands left UAE with unpaid debts – therefore the collection departments of the banks promptly file a case to close the files….

    Anu

  • angels

    what if im paying the minimum amount payment every month until the time that im going to return in uae… would they still file a case against me

    • http://GetOutOfDebt.org Steve Rhode

      Angels,

      As long as you have come to an agreement with the creditor and you are making those payments I would doubt they would file a case against you. However, you need to make sure you have a mutual agreement and not just sending what you think is sufficient.

      Steve

  • Anu

    Angels,

    By now The bank most probably would have filed a police case against you. So the only option you have now as per my knowledge is check the amount ( If several banks – total debt ) pay it fully through a friend in Abudhabi or a law firm – get a clearance from the bank or banks ( MUST ) and then if possible – make sure ur passport number has no other cases -if so inquire and get it cleared and then go there to find a job. Or else they will escort to the jail.No point in giving explanations to them at the air port.They will put u in jail even if you are 8 months pregnant and carrying another infant in your hand. Thats the UAE law. If the banks replies ” no problem – come to UAE” It most probably would be a lie to get you in to the UAE !!!!! S0 thats it I guess !!!!!!

    Anu

    • Subishkumarh

      Dear Anu

      I have credit card debt AED 35000 in UAE and bank are harrsing me still my cheque not bounced but they are saying we will send Police to arrest you please tell me without case police can arrest me and if they arrest me how to come out

      Regards
      Mr. Reji

  • angels

    i worked in abu dhabi… i had my annual vacation leave and found out that i was pregnant and decided not to go back their until i delivered my child… i have a debt there and wasnt able to pay the monthly due and i resigned from my work… now i want to go back there again to find a new job but what should i do for my debts… actually i emailed the bank regarding my situation but they did not reply yet.. can you give me the best advice pls… thanks

    • lea

      Don’t go back since you have unpaid bills for sure ban already file a case.Go to other countires.

  • Anu

    Dear Maileen,

    Glad that ur debt is paid off. Even if the debt is paid off your husband might have to stay there for a while untill all papers are cleared. The best thing is that you should contact your lawyer and ask them to push the people inside the courd and the concerned so he can come out. Otherwise he will have to stay even for weeks for the proceedings to get cleared.

    Anyway best of luck because ur debt is cleared.

    Anu

    • http://GetOutOfDebt.org Steve Rhode

      Anu,

      Thank you for your continued comments and feedback.

      Steve

  • Maileen

    Hi,
    My husband now he is in Dubai jail because of bank debt. Now our company pay already all the credit. My question is, my husband gonna get out automatically or do he still be inside jail for a couple of days even everything been paid off?

    Thanks

    • T mia

      hey maileen…
              could u plz tell me how were d condition in da prison and how many days was ur husband in for and for wat amount.. my fathr has taken for abt 2million..do u have any idea how long will he be in for?i wud rilly appreciate if u cud help me out

      thanks alot.

  • Anu

    U know its a funny place u c. Just imagine a situation of this nature. Somebody has 5 credit cards of each 10,000 and a loan of 50,000/=. now think one bank bounces a cheque of a card. Lets say he het 2 months jail time for dat. While he is in the jail it is obvious other banks would do the same – one by one as the payments are not coming and the person is not contactable. So what happens is when the person finishes one jail time and the police check the computer again when they find more cheques bounced – ahhhh again he goes in…. So my dear friends…. Run before they catch u !!!!

    • http://GetOutOfDebt.org Steve Rhode

      Anu,

      It is not a perfect, or even good system to allowing people to deal with debt in Dubai. I say your other question about the passport and iris scan, I just don’t know the answer to that.

      Steve

  • Anu

    Dear Steve,
    As far as I know some one who spends jail time will be forgiven / debt free but the case is day he will most probably will b in the black list in the banks so dat he cannot get a credit facility.

    Anu

    • http://GetOutOfDebt.org Steve Rhode

      Anu,

      Interesting. So which do you think is worse, some time in jail or not to be able to get credit again? Is it possible to live in Dubai without credit?

      Steve

  • Kris M

    Its true, if you go to jail for a bank debt it will be waived off. My friend had 47000 dhs and he was given 23 days, then he was out and back to his job. He took annual leave and went to jail. It sounds crazy but this is Dubai. Anything can happen. They have slabs, for 50000 and below its a minor crime with 3 weeks prison, 100000 plus its something like 3 months, but you have to check with inside sources as even lawyers do not know or will not tell you. Jails are too full and they are diverting people to RAK jails etc. so they want people out soon. Hundreds of cheque bounced cases and even previous millionaires are sitting in jail. But beware, if you borrowed personally (not bank) from some person then the sentence is harsh, you have to serve full time till you pay up and if not paid its followed by deportation.

    • http://GetOutOfDebt.org Steve Rhode

      Kris,

      Thanks for the update. It is ironic that someone used their leave, did their time and was then let out. Was your friend forgiven of the debt or do they still owe it?

      Steve

    • king

      kris is right i have a friend couple of days he did same thing 90 % of greedy lawyer will not let u know the same thing only the will make money on difrent ways they dont concern you r in not good condition,

  • Anu

    Hi all,

    Oh yes they do dat in DXB. I am an asian and last year august i landed in Sharjah jail for drinking and driving. I met a lot of people there for bounced cheque cases. I met one Emirati national who had a 150,000 loan. He was given 6 months initially and reduced to 3 months after the appeal. Generally its said 100 DHS is waived off for every day in jail. But never sure how its now cause the jails must be full with such cases. Best thing is u run fm the country before u get a case

  • irinas

    prison time does not erase debt. although I heard a rate of AED100 per month. however for large debts, you are looking to life imprisonment.

    • Lea

      NO, It wrong the cout will decide how mny days you will stay in prison. 1 month is only 23 days in arabic calender. I was in jail in Dubai finish my debt by going to jail.NO headache and tension to worry after I get my clearance from Dubai court.

      • Naida

        Hi Lea, I am naida working in Sharjah right now also i had same situation with Katrina, and up to date i cannot pay my credit card because my salary cannot compensate my credit always negative, i have part time job in a weeding catering but only for my rent/sewa and food, i tried to explain my kids that only tuition fee i can send as of this year because of my situation. I have been asking the 2 banks (one bank 12,000aed and other bank for two years payment still they told me that i have back to zero payment total of 16,000aed because i did a payment plan but unfortunately because of financial difficulties I did not pay for three months, even though they spoke to me a very bad language, even I explained to them, so what they always told me that I have to go to jail and even call our admin and our admin get so much angry with me)

        Can you please please give me an advise and what if I go to jail what will be happened iam really scared Lea. GOD Bless.

      • Africarsltd

        hi nadia ,
        1st bad luck is that u took loan on sharjah visa, which is real bad coz in sharjah if they open case u wil not have a bail on ur passport or any ones.. but if ur case in dubai u stil have a chance to get bail at ur first min of arrest.. and 2nd its a very low amount 12k or 25k  the judgement will be very less for maximum of 2 months which u can appeal and challenge and get to month.. and 2nd possibility is to get fine by judge and free you … so u must be carrying some mount like 2000 aed to pay fine..
        regards
        emmi

      • Larkspur1997

        Hi!
        I have a case filed in Ras AlKhaimah, i want to know if the amount will be waived off and I ‘ll just pay a penalty to them the same like the policy in dxb, in case if not also I am willig to pay it but a legal collection called me and said that, that is a police case only and afterwards the bank will file again a civil case to me regarding the balance amount which is the the record outstanding I have in the bank after I’m going to settle the 6,000/dhs amount I have in RAK court actually its tomorrow already, I was just confuse to whom I am going to follow now. 
        I really need your advice with this. 
        Pls. if you read this soon pls reply at my larkspur1997@yahoo:disqus .com
        Thanks in anticipation….

        Larkspur

  • carefulcustomer

    I actually heard of the same thing about serving the term and your debt will be waived as if you already paid them, but doesn’t know anyone who experienced it.

    Well, what I can advise you Katrina is to negotiate with your bank cause banks here are flexible when it comes to payment. Don’t deal with the people calling you because they are basically after their commission. Instead, visit one of their branches and ask for somebody to assist you in recovery department.

    Just want to share this story to you – - My sister left Dubai in 2006 and left a huge amount of debt in several banks. I won’t name the banks but she owes one of them 19,000 for personal loan and 23,000 for credit card. As she is no longer here in Dubai the debt collectors in our home country are harassing her to pay off, what I did was I visited their recovery department and made an arrangement with them. I told them that I can only arrange 13,000 for my sister as I was also made redundant recently. The Manager is very kind to accept the payment and cleared my sister from her debts. See? It is all about negotiation :)

    As you are still working, you might want to show any proof of your current income and explain your financial situation. I am sure they will assist you. You wouldn’t want debt collector agencies hunting you in your home country..:)

    Good luck Katrina!!

    • http://GetOutOfDebt.org Steve Rhode

      This is the first time I’ve heard about a successful negotiation with the bank. So did the bank accept 13,000 as payment in full or are they expecting the rest of the total amount due?

      Steve

      • carelesshush

        hi Steve, i am sooooo sorry for the late reply..it’s already 2010 lol..didn’t get the notification..sorry!

        anyway, yes the bank accepted the 13,000 as payment in full. you just have to explain your situation and besides what else the bank can do if you are already penniless? hehe

      • http://GetOutOfDebt.org Steve Rhode

        Well that’s good news. It sounds like your bank was more reasonable than others have been. So were they nice or professional when you talked to them?

        Steve

    • cristine

      hi there, im cristine and i used to work in dubai for 1 year. i had my vacation in the philippines last 2008 and never went back to dubai. my problem is i have a salary loan in one of the banks there worth 100,000AED but was able to pay for i think 20,000AED already. I have also 5 credit cards that were not being paid. Is it possible that they will arrest me here in the Philippines and put me to jail for not paying all of those credits? I really dont have a job right now since i went home. There are people who keeps on threatening me through emails. I guess they are agents here in the philippines. Is it possible that they will arrest me here and send me in dubai for prisonment?

      • carelesshush

        hi cristine,

        well from what i’ve heard they cannot arrest you in philippines since your debts are in uae. but uae banks have their own agencies that ‘hunt’ people who ran away and believe me, these agencies will pester you, harass you and will do everything they can just to get money from you.

        just DON’T LET ANY DEBT COLLECTORS HARASS YOU.

        i would suggest that you try to contact your bank and negotiate with them. banks prefer to negotiate with their clients rather than sending them to jail because that would not solve the issue, they will never get paid. however, if you do not have any means to pay them since you are currently unemployed then i guess all you can do is to delete your email account and make a new one :)

      • angel

        no they cannot arrest you in the Philippines and sent you back here to be put in Jail. They cannot do that.

      • visitor

        hi cristine, i know your post here has been over a year ago. In case you  are still able to read this, I would be grateful for some suggestions as I am exactly in the same situation as yours right now. Never had any intention of not paying, however I’ve been put in a circumstance that leaves me unable to pay. 

  • http://www.facebook.com/pages/Cambridge-Credit-Counseling-Corp/147199492392 Thomas Fox

    I recall reading it was similar to the debtor’s prison that existed in the US — as time passes, one’s obligation is reduced. I would perhaps contact your embassy to see if your citizenship can provide you some immunity.

    • http://GetOutOfDebt.org Steve Rhode

      Thom,

      No immunity from citizenship. Loads of ex-pats in jail in Dubai for debts, some for years at a time. The best solution in Dubai is to flee the country before you default.

      Want a little shock, see Bouncing a Check Can Put You Behind Bars For Years in Dubai and I Left Dubai and My Mercedes at the Airport to Avoid Going to Jail for Debt. – Christopher.

      Steve

      • June

        hi all,
        i lost my job in 2007 and as a result, i wasn’t able to pay my debt consisting of a personal loan and 4 credit cards amounting to around 90k aed.

        I went to the police station on the first week of february 2010 to face complaints i thought the banks had filed but there was none. I asked the officer again if he was sure that there was none and he looked at his computer and said there was nothing filed against me except a complaint made by my previous employer.

        So im confused… If there is no outstanding debt complaint filed at the police station, does that mean the same at the immigration? because as to what i understand, if there are complaints filed at the police station with regards to banks and money, this will automatically reflect in Immigration computers thus enabling them to stop you if you make any attempt on leaving.

        Lastly, when situations like these happen, what do you think would be the first move for debt collectors…? would they first go file a complaint at the police station or at the Immigration office?

        June

      • Hotelgm64

        you must be very lucky man, dubai jails are full of debtors, and it is pain in the ass in dbai jail

      • Ahmedsig

        Dubai Gov or Dubai Police have no pain to keep these debtors, but which I know its real pain there ass which are inside the jail. And please don’t speak about Dubai or UAE GOV. I will be thankful to you in advance. Regards Ahmed

      • JR wellings III

        fcuk you ahmedsig and the same to uae gov and dubai. they don’t care about humanity. all they care about is money.. so fcuk them.. and fcuk you!

      • Africarsltd

        june , 
        to stop u at airport they must passes civil judgements and then wait a month an then file the travel banned but if its police case then they can file in to police station and u wil e automaticaly wanted so u cant fly …or they can catch u at street by checking ur id or in car if u make an accident or else u r free bird to move around … .
        yeah if ur company made any case that u run away of work or else thing only can be shown in immigration folder .. but police can see and check ur all folders in one window  so if they said not wanted ur clear..

  • http://www.mycesi.org Nicole Plescher

    Best of luck to you Katrina… I’ll bookmark this to see the progress of your story.

    • muhammad

      katrina

      u can check with dubai based collection law firm   00971-50-5071820