Old UAE debts cause complications when taking a job


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I live in Thailand but worked in Dubai from 2005 to 2008. I left Dubai with an exit permit because my new employer in Abu Dhabi sent me to the Philippines to change my sponsorship. Unfortunately, I received a ban because the authorities caught some staff working on visit visas. I was then stuck in the Philippines, my home country, on a low salary so I couldn't afford to repay my UAE credit cards. I have a potential employer in Dubai and they asked me to contact the banks directly for them to confirm that they are clear to hire me. I would like to know if I can still come to work in Dubai. Is there is a possibility that I would be sent to jail if I enter with a job offer? I am sorry about the debts but there was nothing I could do about them outside the UAE. RV, Bangkok

It appears that RV left the UAE with three outstanding credit card balances and a personal loan. If no payments have been made for several years and there has been no contact with the various banks there is a good chance there are police cases registered against him. This would result in arrest on arrival in the UAE, even with a valid offer of employment. To find out if there are any cases registered against him, RV should not only contact the banks for confirmation but can also ask a friend in Dubai to check with the police. The friend needs a copy of RV’s passport (and the one valid when he was resident in Dubai if different) and should go to a main police station to find out if there are any cases registered. No details will be disclosed but the police will confirm either way at no cost. Until any cases against him are lifted – something that usually follows repayment of the debt – RV will not be able to return to the UAE without problems.

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.

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Simon Nadim has completed 7,000 dives. 

The hardest dive in the UAE is the German U-boat 110m down off the Fujairah coast. 

As a child, he loved the documentaries of Jacques Cousteau

He also led a team that discovered the long-lost portion of the Ines oil tanker. 

If you are interested in diving, he runs the XR Hub Dive Centre in Fujairah

 

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Quick pearls of wisdom

Focus on gratitude: And do so deeply, he says. “Think of one to three things a day that you’re grateful for. It needs to be specific, too, don’t just say ‘air.’ Really think about it. If you’re grateful for, say, what your parents have done for you, that will motivate you to do more for the world.”

Know how to fight: Shetty married his wife, Radhi, three years ago (he met her in a meditation class before he went off and became a monk). He says they’ve had to learn to respect each other’s “fighting styles” – he’s a talk it-out-immediately person, while she needs space to think. “When you’re having an argument, remember, it’s not you against each other. It’s both of you against the problem. When you win, they lose. If you’re on a team you have to win together.” 

SPECS
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Dr Afridi's warning signs of digital addiction

Spending an excessive amount of time on the phone.

Neglecting personal, social, or academic responsibilities.

Losing interest in other activities or hobbies that were once enjoyed.

Having withdrawal symptoms like feeling anxious, restless, or upset when the technology is not available.

Experiencing sleep disturbances or changes in sleep patterns.

What are the guidelines?

Under 18 months: Avoid screen time altogether, except for video chatting with family.

Aged 18-24 months: If screens are introduced, it should be high-quality content watched with a caregiver to help the child understand what they are seeing.

Aged 2-5 years: Limit to one-hour per day of high-quality programming, with co-viewing whenever possible.

Aged 6-12 years: Set consistent limits on screen time to ensure it does not interfere with sleep, physical activity, or social interactions.

Teenagers: Encourage a balanced approach – screens should not replace sleep, exercise, or face-to-face socialisation.

Source: American Paediatric Association
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Mr Chahwan says younger generations have a higher capacity to take on risk, but for some their appetite can be more cautious because they are investing for the first time. “Schools still do not teach personal finance and stock market investing, so a lot of the learning journey can feel daunting and intimidating,” he says.

He advises millennials to not always start with an aggressive portfolio even if they can afford to take risks. “We always advise to work your way up to your risk capacity, that way you experience volatility and get used to it. Given the higher risk capacity for the younger generations, stocks are a favourite,” says Mr Chahwan.

Highlighting the role technology has played in encouraging millennials and Gen Z to invest, he says: “They were often excluded, but with lower account minimums ... a customer with $1,000 [Dh3,672] in their account has their money working for them just as hard as the portfolio of a high get-worth individual.”

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