“Congratulations, you have been pre-approved for a Dh500,000 personal loan without any salary transfer. This offer is valid only until the end of the month, so hurry up and register now on this link for a callback.”
Hands up how many people in the UAE – and indeed farther afield – have answered one of these unwanted sales calls at one point or another.
They can come at any time of the day, and whether you have an Etisalat, du or Virgin phone number, they are almost always guaranteed to interrupt an important meeting or family time.
So, how do you stop this menace of unwanted cold calls? The National explains.
What is cold calling - and where do unwanted calls come from?
Unwanted calls can be telemarketing calls, where the caller is trying to sell you products or services, illegal recorded messages for services that you have not subscribed to, or spam calls.
Increased use of Voice over internet Protocol, through which a single computer can make thousands of calls, or companies selling customer databases, has led to an increase in these sort of calls.
In 2021, The National found that batches of phone numbers and other personal data were routinely sold to various people, including estate agents.
What are the laws in the UAE?
In 2011, the UAE's Central Bank put a ban on cold calling. This prevented banks and finance companies from offering loans and services to people who had not sought out their business.
But the practice is widespread in various forms – often under the guise of prompting people to accept deals and special offers.
In real estate, it is widely used to promote rentals and properties for sale.
In January 2022, the Telecommunications and Digital Government Regulatory Authority launched a service called Kashif, which shows people where a call originates from – a bank, a telecom company or an insurance firm.
The aim was to reduce the number of anonymous calls residents receive. By the end of that year, all private companies had to have registered their phone numbers under the Kashif service.
What can individuals do?
The Do Not Call Registry feature can stop all unwanted calls. It has been in place since September 2022 and that month, telecom providers started sending out messages to increase awareness.
All telemarketers must now get consent from individuals to make promotional calls. They are advised not to make calls to the phone numbers listed in the DNCR directory unless they have the prior consent of a customer to do so.
People who do not follow the rules will have their numbers revoked and will be reported to the relevant authorities.
How does it work?
It's simple. To register your mobile number, send an SMS message reading ‘DNCR’ to 1012. This applies to home, business, and mobile phone numbers. The registration is free and does not expire.
Once registered, your number is immediately updated in the registry and you will stop receiving unsolicited promotional calls, starting within 30 days from the date of registering.
If you still receive a call from a telemarketer without consent, you can raise a complaint by calling Etisalat customer care on 101 for personal numbers or 800 5800 for business numbers.
People who have a du number can raise a complaint by calling 155/188 or emailing customer.care@du.ae for consumers and care.business@du.ae for businesses.
You can unblock calls by sending an SMS ‘UDNCR’ to 1012. You can also send an SMS to 1012 with ‘Check IDNCR’ to inquire about your number’s status.
How to block spam phone calls through your device setting
You can block phone numbers, contacts, and emails on your device.
You can also filter iMessages from unknown senders and report iMessages that look like spam or junk.
If you have an iPhone, tap "Recents", then tap the "Info" button next to the phone number or contact that you want to block. Scroll down, then tap "Block this Caller".
For phones that use Android platforms, such as Samsung, you can block calls using the Smart Call feature, which will recognise numbers that are not in your contact list and then give you the option to block or report the calls.
A version of this story was first published on November 16, 2022, written by Shuchita Gautam
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MATCH INFO
Southampton 0
Manchester City 1 (Sterling 16')
Man of the match: Kevin de Bruyne (Manchester City)
Analysis
Members of Syria's Alawite minority community face threat in their heartland after one of the deadliest days in country’s recent history. Read more
Zayed Sustainability Prize
In numbers: China in Dubai
The number of Chinese people living in Dubai: An estimated 200,000
Number of Chinese people in International City: Almost 50,000
Daily visitors to Dragon Mart in 2018/19: 120,000
Daily visitors to Dragon Mart in 2010: 20,000
Percentage increase in visitors in eight years: 500 per cent
Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.
Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.
“Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.
Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.
“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.
Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.
From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.
Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.
BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.
Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.
Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.
“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.
Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.
“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.
“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”
The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”
Five films to watch
Castle in the Sky (1986)
Grave of the Fireflies (1988)
Only Yesterday (1991)
Pom Poki (1994)
The Tale of Princess Kaguya (2013)
Mohammed bin Zayed Majlis
Who's who in Yemen conflict
Houthis: Iran-backed rebels who occupy Sanaa and run unrecognised government
Yemeni government: Exiled government in Aden led by eight-member Presidential Leadership Council
Southern Transitional Council: Faction in Yemeni government that seeks autonomy for the south
Habrish 'rebels': Tribal-backed forces feuding with STC over control of oil in government territory
Zayed Sustainability Prize
Timeline
2012-2015
The company offers payments/bribes to win key contracts in the Middle East
May 2017
The UK SFO officially opens investigation into Petrofac’s use of agents, corruption, and potential bribery to secure contracts
September 2021
Petrofac pleads guilty to seven counts of failing to prevent bribery under the UK Bribery Act
October 2021
Court fines Petrofac £77 million for bribery. Former executive receives a two-year suspended sentence
December 2024
Petrofac enters into comprehensive restructuring to strengthen the financial position of the group
May 2025
The High Court of England and Wales approves the company’s restructuring plan
July 2025
The Court of Appeal issues a judgment challenging parts of the restructuring plan
August 2025
Petrofac issues a business update to execute the restructuring and confirms it will appeal the Court of Appeal decision
October 2025
Petrofac loses a major TenneT offshore wind contract worth €13 billion. Holding company files for administration in the UK. Petrofac delisted from the London Stock Exchange
November 2025
180 Petrofac employees laid off in the UAE
The biog
Marital status: Separated with two young daughters
Education: Master's degree from American Univeristy of Cairo
Favourite book: That Is How They Defeat Despair by Salwa Aladian
Favourite Motto: Their happiness is your happiness
Goal: For Nefsy to become his legacy long after he is gon
Secret Nation: The Hidden Armenians of Turkey
Avedis Hadjian, (IB Tauris)
Tonight's Chat on The National
Tonight's Chat is a series of online conversations on The National. The series features a diverse range of celebrities, politicians and business leaders from around the Arab world.
Tonight’s Chat host Ricardo Karam is a renowned author and broadcaster who has previously interviewed Bill Gates, Carlos Ghosn, Andre Agassi and the late Zaha Hadid, among others.
Intellectually curious and thought-provoking, Tonight’s Chat moves the conversation forward.
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The biog
Name: Salvador Toriano Jr
Age: 59
From: Laguna, The Philippines
Favourite dish: Seabass or Fish and Chips
Hobbies: When he’s not in the restaurant, he still likes to cook, along with walking and meeting up with friends.
What vitamins do we know are beneficial for living in the UAE
Vitamin D: Highly relevant in the UAE due to limited sun exposure; supports bone health, immunity and mood.
Vitamin B12: Important for nerve health and energy production, especially for vegetarians, vegans and individuals with absorption issues.
Iron: Useful only when deficiency or anaemia is confirmed; helps reduce fatigue and support immunity.
Omega-3 (EPA/DHA): Supports heart health and reduces inflammation, especially for those who consume little fish.
Company Fact Box
Company name/date started: Abwaab Technologies / September 2019
Founders: Hamdi Tabbaa, co-founder and CEO. Hussein Alsarabi, co-founder and CTO
Based: Amman, Jordan
Sector: Education Technology
Size (employees/revenue): Total team size: 65. Full-time employees: 25. Revenue undisclosed
Stage: early-stage startup
Investors: Adam Tech Ventures, Endure Capital, Equitrust, the World Bank-backed Innovative Startups SMEs Fund, a London investment fund, a number of former and current executives from Uber and Netflix, among others.