Wrongful debt-collection or creditor harassment complaint in the UAE

How we help with wrongful debt-collection or creditor harassment complaint

• Evidence and document review

  Our review covers collection messages and call log, creditor or collector identity, debt statement and previous complaints. We identify what supports your position and what needs clarification or further evidence.

• Can a UAE lender disclose my debt to colleagues or send an unidentified collector?

  CBUAE's consumer standards restrict disclosure to third parties, with specified exceptions such as authorised collection agents, legal requirements or express consent. A licensed financial institution must identify an appointed collector, the amount and the collector's authority. Home or workplace visits require express consent or a court order, and calls must not be excessive. Check that the lender and product fall within this framework; retain the contact record separately from any dispute over the debt. Record who contacted whom, the messages, frequency and any threats or disclosure to others. Keep the disputed balance separate from the conduct complaint. A legitimate debt does not answer every question about collection methods, and a conduct complaint does not automatically erase the debt.