Credit card debt in uae
Anuj
(Querist) 07 January 2016
This query is : Resolved
Dear Sir,
I was employed in Abu Dhabi, UAE & I lost my job due to which I would not settle my credit card dues & hence I had to come back to India.
I have been getting emails from the Bank in UAE threatening me with a legal case in UAE & India if I do not clear my dues. I have written to them for a settlement but they are not entertaining the request.
Now I have been getting calls from a Collection Agency in India & threatening me with an arrest. They are calling my aged father 8-20 times every day chasing my debt. Today they even contacted my sister & mentioned about my debt.
I want to pay my debt, but I need to find a job in India first, which have not got.
My query is :
1.How can I stop the agency calling me & my relatives & humiliating me over the phone.
2.Also since I do not have a job till now what can the bank in UAE or the Collection Agency in India legally do against me & what legal recourse do I have.
I am very hassled & worried. Your advise will be appreciated.
- Anuj
Devajyoti Barman
(Expert) 07 January 2016
If you have taken money then better repay it. You can negotiate for favorable terms but you must repay it.
I can not advise you to remain safe in spite of being defaulter of loan.
ADV-JEEVAN PATIL, MUMBAI
(Expert) 07 January 2016
My dear u have taken credit n used it it has to be paid. I'd advise u to contact with all details 9869400938, neevansci@yahoo.com n will try to resolve but needs to pay reasonable fees.
P. Venu
(Expert) 08 January 2016
Legally you are liable; but this needs to be enforced through a decree from the Court. However, the Bank or the Collection agency has no right to harass and humiliate you or your relatives on this account.
Rajendra K Goyal
(Expert) 08 January 2016
Your father / sister can not be harassed for recovery of your dues. They should record the threats, should have witness and lodge complaint to police, senior citizen forum / women cell and RBI. If no effect file complaint with the Magistrate.
K.S.Srinivas
(Expert) 11 January 2016
1. Let your father / relatives tell the agency that do not call them and call you only, and also inform the agency if they do not stop calling them and harassing them, then they will lodge police complaint against the agency.
2. Legally the bank can proceed against you and you should clear the debts. Whether you have job or not, it is immaterial to the bank.
