Hi sir i have credit card from fab1 i browsed 10000. And i didn't paid from 2vyears . Abd they r decdted from ny salary. Every month but i told to them make settlement they are not ready for that.now he reach around 36000 thousand. What i need to do now.
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I understand your situation; dealing with credit card debt can certainly be stressful. Here in the UAE, there are certain laws and regulations governing debtor-creditor relationships and dispute resolutions.
According to the UAE Civil Transaction Law (Federal Law No 5 of 1985), and the amendments thereof, the creditor has the right to claim the outstanding balance.
However, under UAE Law, if a payment is deducted directly from your salary without your consent, it could potentially amount to a breach of your rights since wage protection and preventing unlawful deductions are covered under UAE Labour Law (Federal Law No 8 of 1980).
You are entitled to contest the amount claimed and negotiate a settlement. Communication is key in this process - I would recommend reaching out to your bank, explaining your financial position, and proposing a repayment plan. You should also consult a lawyer to know your legal standing. Keep all your communications documented as this could be beneficial in case the matter escalates to court.
If your approaches to the bank fail, you can reach out to the UAE Central Bank's Consumer Protection Department. They will review your complaint and possibly mediate a resolution.
However, please remember it is important to seek advice from a professional lawyer to understand your full rights and obligations under your specific circumstances. Your actions should be guided by the legal advice you receive.
This is general advice and does not constitute direct legal advice or an attorney-client relationship. Please consult your attorney for advice applicable to your situation.
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