Bank loan/ credit card default in UAE- Needed to study in UK
Jul 5th 2010, 6:41 am
#1
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Thread Starter
Joined: Jul 2010
Posts: 4
Indian with Bank loan/ credit card default in UAE- Needed to study in UK
Dear friends,
I am an Indian. I had worked in UAE for 3 years. Because of my credit card and bank loan defaults in the crisis two bank have charged cheque bouncing cases in UAE. Fortunately I am now in India. The whole things happened before 18 months. And now I am jobless.
(Disclaimer: I have read several ethical issues related to credit card/ loan repayment & defaults discussed in this forum. It is my bad luck that i could not repay them at time. I wish i can pay them back in the future when i get a better job. Now i would like to ask something different. It is not about the ethical part of credit card/loan repayment.)
My parents want me to study in UK for MBA. I have got an offer from a University. Can i come to UK from India for studies? is there any issue in coming to UK with my previous credit cards/ bank loans in UAE?
Kindly help with your advise...
Thank you in advance.
I am an Indian. I had worked in UAE for 3 years. Because of my credit card and bank loan defaults in the crisis two bank have charged cheque bouncing cases in UAE. Fortunately I am now in India. The whole things happened before 18 months. And now I am jobless.
(Disclaimer: I have read several ethical issues related to credit card/ loan repayment & defaults discussed in this forum. It is my bad luck that i could not repay them at time. I wish i can pay them back in the future when i get a better job. Now i would like to ask something different. It is not about the ethical part of credit card/loan repayment.)
My parents want me to study in UK for MBA. I have got an offer from a University. Can i come to UK from India for studies? is there any issue in coming to UK with my previous credit cards/ bank loans in UAE?
Kindly help with your advise...
Thank you in advance.
Last edited by greenheart; Jul 5th 2010 at 7:40 am.
Jul 5th 2010, 10:36 am
#2
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Joined: Sep 2009
Location: Abu Dhabi
Posts: 1,805
Re: Bank loan/ credit card default in UAE- Needed to study in UK
no issues at all.
good luck.
good luck.
Jul 5th 2010, 12:38 pm
#3
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Joined: Jul 2010
Posts: 4
Re: Bank loan/ credit card default in UAE- Needed to study in UK
Thank you very much, Brains.
Jul 5th 2010, 1:19 pm
#4
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Joined: Jun 2008
Location: Abu Dhabi
Posts: 1,633
Re: Bank loan/ credit card default in UAE- Needed to study in UK
Not a good idea to apply for a UK credit card though.
Sep 29th 2010, 1:12 pm
#5
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Joined: Apr 2009
Posts: 11
Re: Bank loan/ credit card default in UAE- Needed to study in UK
hi
I have got the offer letter and the fee is ready to pay. Then i will receive the CAS (confirmation of acceptance for studies) from the university to apply for the visa.
when i looked at the application form, i found that there are a few questions in the 6th section of the form (http://www.ukvisas.gov.uk/resources/...s/1903073/vaf9):
6.9 Do you have any criminal convictions in any country (including traffic offences)?
6.10 Have you ever been charged in any country with a criminal offence for which you have not yet been tried in court?
unfortunately, the cheque bouncing followed by personal loan default is considered as a criminal offence in UAE, whereas it is a civil issue in all other countries.
If i tick 'Yes' to these questions and explain these matters, what would be the decision on my student visa application? kindly help me.
thanks.
I have got the offer letter and the fee is ready to pay. Then i will receive the CAS (confirmation of acceptance for studies) from the university to apply for the visa.
when i looked at the application form, i found that there are a few questions in the 6th section of the form (http://www.ukvisas.gov.uk/resources/...s/1903073/vaf9):
6.9 Do you have any criminal convictions in any country (including traffic offences)?
6.10 Have you ever been charged in any country with a criminal offence for which you have not yet been tried in court?
unfortunately, the cheque bouncing followed by personal loan default is considered as a criminal offence in UAE, whereas it is a civil issue in all other countries.
If i tick 'Yes' to these questions and explain these matters, what would be the decision on my student visa application? kindly help me.
thanks.
Last edited by riyazahmd; Sep 29th 2010 at 1:41 pm.
Sep 29th 2010, 1:13 pm
#6
BE Forum Addict
Joined: Sep 2009
Location: Abu Dhabi
Posts: 1,805
Re: Bank loan/ credit card default in UAE- Needed to study in UK
hi
I have got the offer letter and the fee is ready to pay. Then i will receive the CAS (confirmation of acceptance for studies) from the university to apply for the visa.
when i looked at the application form, i found that there are few questions in the 6th section of the form (http://www.ukvisas.gov.uk/resources/...s/1903073/vaf9):
6.9 Do you have any criminal convictions in any country (including traffic offences)?
6.10 Have you ever been charged in any country with a criminal offence for which you have not yet been tried in court?
unfortunately, the cheque bouncing followed by personal loan default is considered as a criminal offence in UAE. It is a civil issue in all other countries.
If i tick 'Yes' to these questions and explain these matters, what would be the decision on my student visa? kindly help me.
thanks.
I have got the offer letter and the fee is ready to pay. Then i will receive the CAS (confirmation of acceptance for studies) from the university to apply for the visa.
when i looked at the application form, i found that there are few questions in the 6th section of the form (http://www.ukvisas.gov.uk/resources/...s/1903073/vaf9):
6.9 Do you have any criminal convictions in any country (including traffic offences)?
6.10 Have you ever been charged in any country with a criminal offence for which you have not yet been tried in court?
unfortunately, the cheque bouncing followed by personal loan default is considered as a criminal offence in UAE. It is a civil issue in all other countries.
If i tick 'Yes' to these questions and explain these matters, what would be the decision on my student visa? kindly help me.
thanks.
you'll be fine.
Sep 29th 2010, 1:17 pm
#7
Banned
Joined: Jul 2010
Location: Dubai
Posts: 69
Re: Bank loan/ credit card default in UAE- Needed to study in UK
Yes best of luck with your new venture but please dont get any credit cards etc in UK they will chase you bottom all the way back to Chandighar
Sep 29th 2010, 1:28 pm
#8
Banned
Joined: Apr 2009
Posts: 11
Re: Bank loan/ credit card default in UAE- Needed to study in UK
thank you very much.... 
Groovychick, i have suffered a lot from credit card. I will never never think of taking another one.
Groovychick, i have suffered a lot from credit card. I will never never think of taking another one.
Sep 29th 2010, 1:35 pm
#9
Banned
Joined: Jul 2010
Location: Dubai
Posts: 69
Re: Bank loan/ credit card default in UAE- Needed to study in UK
Dont worry about it these things happen. I was a terror with money back in Uni myself.
You may want to consider paying it back at some point in case you ever need to pass through Dubai or wish to visit again.
Best of luck.
You may want to consider paying it back at some point in case you ever need to pass through Dubai or wish to visit again.
Best of luck.
Sep 30th 2010, 7:26 am
#10
Go on.. Pull my finger..
Joined: Jul 2008
Location: Dubai
Posts: 5,726
Re: Indian with Bank loan/ credit card default in UAE- Needed to study in UK
Dear friends,
I am an Indian. I had worked in UAE for 3 years. Because of my credit card and bank loan defaults in the crisis two bank have charged cheque bouncing cases in UAE. Fortunately I am now in India. The whole things happened before 18 months. And now I am jobless.
(Disclaimer: I have read several ethical issues related to credit card/ loan repayment & defaults discussed in this forum. It is my bad luck that i could not repay them at time. I wish i can pay them back in the future when i get a better job. Now i would like to ask something different. It is not about the ethical part of credit card/loan repayment.)
My parents want me to study in UK for MBA. I have got an offer from a University. Can i come to UK from India for studies? is there any issue in coming to UK with my previous credit cards/ bank loans in UAE?
Kindly help with your advise...
Thank you in advance.
I am an Indian. I had worked in UAE for 3 years. Because of my credit card and bank loan defaults in the crisis two bank have charged cheque bouncing cases in UAE. Fortunately I am now in India. The whole things happened before 18 months. And now I am jobless.
(Disclaimer: I have read several ethical issues related to credit card/ loan repayment & defaults discussed in this forum. It is my bad luck that i could not repay them at time. I wish i can pay them back in the future when i get a better job. Now i would like to ask something different. It is not about the ethical part of credit card/loan repayment.)
My parents want me to study in UK for MBA. I have got an offer from a University. Can i come to UK from India for studies? is there any issue in coming to UK with my previous credit cards/ bank loans in UAE?
Kindly help with your advise...
Thank you in advance.
Oct 6th 2010, 10:26 pm
#11
You read these things?
Joined: Jun 2010
Posts: 1,261
Re: Indian with Bank loan/ credit card default in UAE- Needed to study in UK
Dear friends,
I am an Indian. I had worked in UAE for 3 years. Because of my credit card and bank loan defaults in the crisis two bank have charged cheque bouncing cases in UAE. Fortunately I am now in India. The whole things happened before 18 months. And now I am jobless.
(Disclaimer: I have read several ethical issues related to credit card/ loan repayment & defaults discussed in this forum. It is my bad luck that i could not repay them at time. I wish i can pay them back in the future when i get a better job. Now i would like to ask something different. It is not about the ethical part of credit card/loan repayment.)
My parents want me to study in UK for MBA. I have got an offer from a University. Can i come to UK from India for studies? is there any issue in coming to UK with my previous credit cards/ bank loans in UAE?
Kindly help with your advise...
Thank you in advance.
I am an Indian. I had worked in UAE for 3 years. Because of my credit card and bank loan defaults in the crisis two bank have charged cheque bouncing cases in UAE. Fortunately I am now in India. The whole things happened before 18 months. And now I am jobless.
(Disclaimer: I have read several ethical issues related to credit card/ loan repayment & defaults discussed in this forum. It is my bad luck that i could not repay them at time. I wish i can pay them back in the future when i get a better job. Now i would like to ask something different. It is not about the ethical part of credit card/loan repayment.)
My parents want me to study in UK for MBA. I have got an offer from a University. Can i come to UK from India for studies? is there any issue in coming to UK with my previous credit cards/ bank loans in UAE?
Kindly help with your advise...
Thank you in advance.
Don't like the fact you have to fly via the US? Well, fly via the Middle East route and woe be on you if the plane has to land in the UAE.
Jan 29th 2011, 10:05 am
#12
Just Joined
Joined: Jan 2011
Posts: 3
Re: Indian with Bank loan/ credit card default in UAE- Needed to study in UK
I don't think it would be a problem, though I would advise you flying via the US. The last thing you want to do is fly via the Middle East and (even if it is a direct flight), find out the flight is being directed to land at Dubai, and find yourself in jail.
Don't like the fact you have to fly via the US? Well, fly via the Middle East route and woe be on you if the plane has to land in the UAE.
Don't like the fact you have to fly via the US? Well, fly via the Middle East route and woe be on you if the plane has to land in the UAE.
it may be happened if the flight has got some technical issues and compelled to land half the way in uae. am i right?
Jan 29th 2011, 10:14 am
#13
Bored liberal
Joined: Feb 2007
Location: Over there ----->
Posts: 13,713
Re: Indian with Bank loan/ credit card default in UAE- Needed to study in UK
I assume your first sentance is supposed to be humour?
There is always a possibility that a flight may have to make an unscheduled stop in Dubai and then the problems start.
Jan 29th 2011, 2:37 pm
#14
Just Joined
Joined: Jan 2011
Posts: 3
Re: Bank loan/ credit card default in UAE- Needed to study in UK
alternatively there are connection flights which are more safe. for example, turkish airlines from mumbai (bombay)-istambul and istambul-london. rare chance of nightmares of an unexpected landing in uae.
Jan 30th 2011, 10:34 am
#15
BE Forum Addict
Joined: Jan 2009
Location: Up on the Ranches not down on the Springs
Posts: 2,109
Re: Bank loan/ credit card default in UAE- Needed to study in UK
Mafi Mushkla,
no problems with entering UK. Lie on the application forms. Everyone in UK immigration and in the Uni's is Indian these days so you will get a definite approval
Take out lots of credit cards over your studies, paying each off with the other then adding some each time. If you are studious with your financial management then you should be able to ruck up a fair old sum and then board the plane back to TRV with your masters, a rolex and some debt. No one will chase you to India for debts from the UK
Just remember not to fly through Dubai or London when travelling again
Good luck and enjoy
no problems with entering UK. Lie on the application forms. Everyone in UK immigration and in the Uni's is Indian these days so you will get a definite approval
Take out lots of credit cards over your studies, paying each off with the other then adding some each time. If you are studious with your financial management then you should be able to ruck up a fair old sum and then board the plane back to TRV with your masters, a rolex and some debt. No one will chase you to India for debts from the UK
Just remember not to fly through Dubai or London when travelling again
Good luck and enjoy