Can a UAE bank chase Indians in India for credit card debt in the uae?

Answer 1

As a general practice, UAE banks sell you account to debt recovery agents (collection agents) in India. These collection agents will give a great headache and nuisance to the defaulting Indian by visiting his house and abusing in front of neighbors and friends, and there will also be quite a lot of phone calls, all kinds of abusive language will be used by such collection agents. If you are intended to pay, you may please contact the UAE bank directly without involving the agents. In such case you may clearly tell the agent that you are in touch with the UAE bank concerned. However, if you are not intending to pay (in case if you dont have adequate money), then you may bluntly tell the collection agent to 'keep away' from you, and you can very well file a complaint against the collection agent who is harassing you.

Apart from going with the collection agents, the UAE bank may report you to police (for your Cheque bounce) which will lead to your travel ban to UAE. Under escalation, even Interpol may be involved. Interpol may write to India to extradite you to UAE to face the trial. But Indian Government's sanction is mandatory for any extradition. So it involves political thing in india. Extraditing our own Indian citizen to Another Country for "cheque bounce" offense will badly affect the image of the country. So such extradition will never happen.

"Cheque bounce" may be a criminal offense as per UAE and Indian law. But certainly it cannot be considered on par with terrrorism. You see, the cheque bounce was a crime by the bank bcoz knowingly the bank allowed the cheque to bounce (they are very certain that the cheque will bounce due to inadequate funds). "cheque bounce" is a bank tactic to add pressure on the defaulter. It was a recovery process without legal sanctity. Bank clearly knows two things:

1. At the time of collection of the security cheque from the customer, the Bank knows that the cheque cannot cover the full amount as they possess copy of bank statement.

2. The defaulter is unable to pay even monthly instalment due, so the bank knows that the cheque cannot cover the required amount.

So knowingly the bank makes the cheque to bounce, so Bank is the main culprit and criminal.

First of all, the bank should prove before law that they are not collecting secruity cheques from customers at the time of processing CC and Loan application. Banks cannot. Because security cheques as an unwritten rule, are mandatory in bank process for loan and CC. However, as per UAE law, collection of post dated check is illegal.

Bank process is illegal. So Bank have no moral right to seek legal remedy against defaulting customer. Best thing a defaulting expat can do is to run away from UAE after the cheque bounces.

Answer 2

No… They cannot prosecute for a credit card debt in UAE. Both the countries don't have a pact as well as the banks are not empowered to prosecute as they we are not legally bound by the law in India. As the card was issued in a different country. So no need to worry.

Answer 3

Yes and no, it depends if you are a citizen of the Philippines, since there is no extradition agreement between both countries concerning financial legal matters. But if you are a citizen of Dubai in the Philippines then they can extradite you very easily.

Answer 4

absolutely. The people in Dubai will get a default judgment against you and simply enforce the collection here. if debt payment in Dubai is a criminal offense in Dubai (as i think it is), then they can ask for you to be extradited to stand trial in Dubai as well.

Answer 5

You can be prosecuted in Saudi Arabi or Qatar for credit card deb in Dubai UAE, much as you would be prosecuted anymore. Credit card debt is an international crime.

Answer 6

You're screwed.

Answer 7

Yes