Unpaid Loan in Dubai!!

[troubledresidentCA]

Hi,
FYI: I still have an unpaid loan and credit card from Dubai from about 3 years ago.. I applied for the Certificate of Good conduct a few months ago and received it a few weeks ago. So no issues getting it still with unpaid debt.
Got my PR soon after that..

in your certificate does it indicate the unpaid debt?

 

[jealous15]

How did you get your police clearance in Dubai?

 

[sundaebev]

Hi,
FYI: I still have an unpaid loan and credit card from Dubai from about 3 years ago.. I applied for the Certificate of Good conduct a few months ago and received it a few weeks ago. So no issues getting it still with unpaid debt.
Got my PR soon after that..

Hi aussie,

When you applied for the Certificate of Good Conduct did they asked you regarding your unpaid loan & credit card? How did you apply, by online or courier?

Thanks

 

[jealous15]

FYI. Someone I know, was being in prison in Dubai due to unpaid loan and credit card then they send him home. But up to now the bank in Dubai or some collectors are chasing him to pay. So, what's the sense of being in prison in Dubai if they will still chase you. NO GOOD!

 

[cherrie1017]

Hi aussie, just want to know how did u get u dubai police clearance? Is it online or u asked someone from dubai. I will be applying my pr my aug 2014 and i'm a little bit stress about the police clearance thing. Please find time to rely. Regards, cherrie

Hi,
FYI: I still have an unpaid loan and credit card from Dubai from about 3 years ago.. I applied for the Certificate of Good conduct a few months ago and received it a few weeks ago. So no issues getting it still with unpaid debt.
Got my PR soon after that..

 

[yanoka]

Dear Mini,

Please let me know if you have solved your problem and how?

Thank you.

 

[lpc19800]

Dear Mini,

Please let me know if you have solved your problem and how?

Thank you.

Please check the poster's profile to see when they were last online as this person hasn't been back to the site since December 2011

 

[Tisoy]

Hi aussie, just want to know how did u get u dubai police clearance? Is it online or u asked someone from dubai. I will be applying my pr my aug 2014 and i'm a little bit stress about the police clearance thing. Please find time to rely. Regards, cherrie

hi cherrie1017! just want to ask if what type of visa do u have when you went to canada? and did they ask you to provide for dubai police clearance the first time you went to canada? because i'm planning to apply for a tourist visa to canada. i left dubai last 2010. thanks!

 

[singhabhishek251]

I have gone through each and every reply to understand the case completely, but it seems that the lady has not meet everything clear after she was asked some question to understand it better.

 

[NICKYBOY2]

Hi Mini,

I would really appreciate if you can update what is your current situation related to the matter you have mentioned. I need to know as my brother going through a very similar situation related to his UAE debts.

Were you able to get your PR without any issue even having bad debts in U.A.E.

Thanks

 

[Dhey1316]

I have a very similar situation. I left Abu dhabi with unpaid load and credit cards, thinking that i will never need to go back or deal with UAE thing. I was wrong I marry my wife working in Canada with PR status and she is sponsoring me to Canada. The problem is I need to get a police clearance in Abu Dhabi because I reside in that country for 8 yrs, i was super worried at the time. having said that I still apply for police clearance in Abu dhabi with the help of my friend who was still working in Abu dhabi, and to my surprised I received my Abu dhabi police clearance with NO CRIMINAL ANTECEDENTS RECORD. Unpaid loan and credit card is consider in UAE law as a criminal case.

I left UAE 2010
I apply my police clearance last June 2016 and received it after few weeks. ;D

 

[Goyaim78]

Hi would you mind telling us. Which banks and how much is the amount?

Thank you.

 

[canada11]

People need to understand the law.

You get jailed because of bounced cheque & NOT because of unpaid Debts. Jail terms is roughly AED 5,000 per day of the bounced cheque amount. Once jailed terms is being served , Bank get the money from the insurance company. If bank does not get money from insurance, then they still follow as unpaid amount becomes Civil case.

Many times Banks do not files police case. In that case you may get the clearance letter. Most ideal way to get clearance letter is to download police app and apply from there. You will get Police certificate in email . Don't go to website. Its super clumsy.

 

[torontosm]

People need to understand the law.

You get jailed because of bounced cheque & NOT because of unpaid Debts. Jail terms is roughly AED 5,000 per day of the bounced cheque amount. Once jailed terms is being served , Bank get the money from the insurance company. If bank does not get money from insurance, then they still follow as unpaid amount becomes Civil case.

While this is true, all banks take a cheque as security when extending you a loan (even credit cards). So, if you don't pay the debt, they attempt to cash the cheque and when it bounces, they have the grounds to file a criminal case against you.

There is absolutely no rule that says that banks only file criminal cases if they can't get money from insurance. Banks don't insure their loans, and even if they could, most in the Middle East avoid writing off loans becuase of the impact that such action would have on their earnings.

 

[canada11]

All personal loans are insured. Can not say about Credit Card debts.

The main purpose of putting behind the bar is to get money from insurance. On the basis of this we can conclude that if your debt is not insured, lender will not be interested to put you behind the bar as its not a surety that they will get money back. You can negotiate them & 99% of the time they settle with principal amount.

While this is true, all banks take a cheque as security when extending you a loan (even credit cards). So, if you don't pay the debt, they attempt to cash the cheque and when it bounces, they have the grounds to file a criminal case against you.

There is absolutely no rule that says that banks only file criminal cases if they can't get money from insurance. Banks don't insure their loans, and even if they could, most in the Middle East avoid writing off loans becuase of the impact that such action would have on their earnings.