How can I find out if there is a police case registered against me over unpaid debts? I have failed to pay three instalments of my loan and am worried about what might happen. Is there anything I can do? PS, Abu Dhabi.
The quickest way of checking is to contact the bank directly, as not speaking to them only makes a situation worse. A bank is more likely to take action against a defaulting borrower if they have not communicated and are not responding to telephone calls. You could also go to a main police station in the relevant emirate to find out if a case has been registered against you. Any-one doing this will need a copy of their passport and their Emirates identity card to inquire if there are any cases or complaints registered. Once a case has been registered in respect of a debt, a bank is not likely to retract the case until the debt has been repaid, or at least a large portion of it and the remainder is in the process. Be aware that if a case is outstanding the police may also ask questions about the debt although there should be little in the way of action until a case goes to court at which point a prison sentence can be given. A custodial sentence does not mean that a debt is repaid and banks have the right to pursue a claim, plus costs. To avoid getting to this stage, it is far better to speak to a bank and try to agree a way of repaying the monies owed.
Keren Bobker is an independent financial adviser with Holborn Assets in Dubai, with over 20 years experience. Contact her at keren@holbornassets.com. Follow her on Twitter at @FinancialUAE
The advice provided in our columns does not constitute legal advice and is provided for information only. Readers are encouraged to seek appropriate independent legal advice.
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AT4 Ultimate, as tested
Engine: 6.2-litre V8
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Torque: 623Nm
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Men's football draw
Group A: UAE, Spain, South Africa, Jamaica
Group B: Bangladesh, Serbia, Korea
Group C: Bharat, Denmark, Kenya, USA
Group D: Oman, Austria, Rwanda
Europe’s rearming plan
- Suspend strict budget rules to allow member countries to step up defence spending
- Create new "instrument" providing €150 billion of loans to member countries for defence investment
- Use the existing EU budget to direct more funds towards defence-related investment
- Engage the bloc's European Investment Bank to drop limits on lending to defence firms
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Australia 94 (4) beat New Zealand 48 (0)
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England 85 (3) beat India 81 (1)
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Under 22 men
Australia 68 (2) beat New Zealand 66 (2)
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- Submit their request
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Why your domicile status is important
Your UK residence status is assessed using the statutory residence test. While your residence status – ie where you live - is assessed every year, your domicile status is assessed over your lifetime.
Your domicile of origin generally comes from your parents and if your parents were not married, then it is decided by your father. Your domicile is generally the country your father considered his permanent home when you were born.
UK residents who have their permanent home ("domicile") outside the UK may not have to pay UK tax on foreign income. For example, they do not pay tax on foreign income or gains if they are less than £2,000 in the tax year and do not transfer that gain to a UK bank account.
A UK-domiciled person, however, is liable for UK tax on their worldwide income and gains when they are resident in the UK.
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Name: Yousef Al Bahar
Advocate at Al Bahar & Associate Advocates and Legal Consultants, established in 1994
Education: Mr Al Bahar was born in 1979 and graduated in 2008 from the Judicial Institute. He took after his father, who was one of the first Emirati lawyers
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Dubai works towards better air quality by 2021
Dubai is on a mission to record good air quality for 90 per cent of the year – up from 86 per cent annually today – by 2021.
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These will be on the Palm Jumeirah, Al Qusais, Muhaisnah, Rashidiyah, Al Wasl, Al Quoz and Dubai Investment Park.
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Mr Al Daraji said monitoring as it stood covered 47 per cent of Dubai.
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Uefa Champions League Group B
Barcelona v Tottenham Hotspur, midnight
match info
Union Berlin 0
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Name: Qyubic
Started: October 2023
Founder: Namrata Raina
Based: Dubai
Sector: E-commerce
Current number of staff: 10
Investment stage: Pre-seed
Initial investment: Undisclosed
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