2. If you have debt problem due to loan/creditcard, the only person who can help you is your self, don’t hide from collectors, they will just make things worst for you, majority (not all) of the banks may listen to our debt problems. No harm in asking them for terms. things are better of if they are talked over

3. I have yet to hear a bank lifting the police case, I happen to talk to someone who was arrested for a bounced check a year ago, when he went back to dubai he was immidiately arrested at the airport and sent to jail. he was there for 3 days and while in jail his friends managed to pay his debt (18K AED) and got a clearance from the bank but the bank did not withdraw the police case, and the guy still have to appear in court for his bounced check case and has to be detained to a few hours before being released.

4. Civil case threat is for real, being in jail does not mean that your debts are written off, you were jailed because of your bounced check, after your jail term the bank can file a civil case against you to recover the outstanding ammount and the civil case does not require a check to progress/move.

5. There is a provision in UAE law (I’m not sure about this, but I have read it in some articles) that you can file a case against a collector who embarass, disgrace or curse you. it is not a case against the bank but only for the individual collector who go beyond the ethics of collecting (its payback time )

6. Thinking of hiring a lawyer for your bounced check? dont even think about it, it is a sheer waste of money as they will not do anything to help you out, they cant even talk in front of the judge during your court day!. Better represent your own self by answering the Judge’s question with honesty. don’t even think of telling false statements as they have a record of your transactions. Also, think about this, you can hire a lawyer but you cannot pay your dues? whom you are kidding?

7. To those who ran away, it is because of you why people like me who opted to stay and pay the money we owe from the bank are suffering, banks became strict in dealing with defaulters even if these defaulters have the intention to pay. Sooner or later, the law will catch up with you, you just made your world smaller by running away.

8. Jail is jail, you get some of your life’s priviledges taken away, but don’t believe stories about police brutality/maltreatment as they are not real or true (that is the case here in Dubai) Police and Jail officers are professional people, they treat everyone equal and always make sure that your basic human rights are respected. You have the right for food, medicine, sanitation, calls, visits, they allow you to buy provisions from in house grocery supplier (soap, toothbrush, toothpaste, telephone card, towel, slippers etc). I was in Muruqqabat Police station for 16 days, I never experienced or saw my fellow detainees hurt or maltreated by the police. I salute all the police there for respecting our rights as human being. If you have issues you can always talk to them and they are willing to listen.

those who opted to stay, I salute all of you for being brave, sooner or later these credit card debt trap will be a thing of the past. Those who opted not to take credit cards or loan, maintain your stature, do not take credit or loan.

What should I do on this matter?

Regards.
Jo