I've been working for my present company for two years, but for the last three months no members of staff have been paid. The company claims financial difficulties and that they will be able to pay salaries again in a couple of months. People who complain are accused of being disloyal and have been threatened with sacking. But the family who owns the company appears to be financially very comfortable. No one can go on much longer like this, as we all have our own expenses each month, but what options do we have?
AG Abu Dhabi
Because AG and his fellow employees have full legal contracts, according to the UAE Labour Law the company must pay them. Not doing so is a breach of contract. It is unreasonable to expect employees to work without pay. I have also been told that this company has not organised residency visas for several employees, and so they are working illegally - which could result in a very large fine for the company, and the individual workers also could be fined, imprisoned or deported.
I hope AG makes immediate contact with the Ministry of Labour on their helpline number, 800 655. The Ministry takes situations like this seriously and will act.
What are my rights if banks call me regarding someone else's loans? I was called twice one morning before 9am by a rude and aggressive man who claimed to be from Citibank's legal department, asking strange and inappropriate questions about a former friend for whom I'd naively agreed to serve as a character reference on a credit card application two years ago. Apparently, this individual has done a runner from the UAE, and the bank is pursuing the debt on his credit card. I am concerned because of the rude and discriminatory questions this man asked me. He simply would not take my answers at face value and kept pressing me, strongly implying that I had a duty to respond to him because I'd been listed as a character reference. What do UAE banking laws say in this type of situation? Can character references be obligated to pay or even co-operate with banks?
AA Dubai
This case has taken nearly two months of enquiries, but has finally been resolved. AA provided a simple character reference for someone who was a friend at the time. This person (we'll call him HAK) had a loan and credit card, and Citibank wrote off the debts in 2006 and 2007. Citibank made no calls to collect on the debt, as the likelihood of recovery was considered to be low. Citibank commented as follows:
"Both cases were given for follow-up to external collections agencies, so it must have been an agency collector who called the customer. This is also explaining why the call was made when in-house Citibank collections were off. We are currently raising this issue with the agency involved. Of course, while a customer owes us money and there is a police case on him, this does not justify calling his reference with demand to pay.
While as per our process, references can be contacted - generally speaking, in instances when customer is not contactable - he or she can be requested only to provide recent contact data for the actual customer. As the reference has no contractual obligations towards us, demanding repayment is not allowed and the tone and content of the conversation should be totally different than in the case of a debtor."
At my request, Citibank followed up the issue with the debt-collecting agency, which confirmed that AA was called on September 22, a public holiday. The company has denied acting improperly by being impolite or demanding repayment, but Citibank has noted AA's complaint.
The bank commented further:
"We would like to assure her that Citi does not hold her responsible for any outstanding issues left behind by our client."
In other words, by providing a personal or character reference for someone, you do not take on any financial responsibility for their debts.
Keren Bobker is an independent financial adviser with Holborn Assets in Dubai. Write to her at keren@holbornassets.com
Letters can also be sent to onyourside@thenational.ae
UAE%20Warriors%2045%20Results
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The specs
Engine: Direct injection 4-cylinder 1.4-litre
Power: 150hp
Torque: 250Nm
Price: From Dh139,000
On sale: Now
Manchester City transfers:
OUTS
Pablo Zabaleta, Bacary Sagna, Gael Clichy, Willy Caballero and Jesus Navas (all released)
INS
Ederson (Benfica) £34.7m, Bernardo Silva (Monaco) £43m
ON THEIR WAY OUT?
Joe Hart, Eliaquim Mangala, Samir Nasri, Wilfried Bony, Fabian Delph, Nolito and Kelechi Iheanacho
ON THEIR WAY IN?
Dani Alves (Juventus), Alexis Sanchez (Arsenal)
The specs: 2018 BMW R nineT Scrambler
Price, base / as tested Dh57,000
Engine 1,170cc air/oil-cooled flat twin four-stroke engine
Transmission Six-speed gearbox
Power 110hp) @ 7,750rpm
Torque 116Nm @ 6,000rpm
Fuel economy, combined 5.3L / 100km
EA Sports FC 25
Developer: EA Vancouver, EA Romania
Publisher: EA Sports
Consoles: Nintendo Switch, PlayStation 4&5, Xbox One and Xbox Series X/S
Rating: 3.5/5
COMPANY PROFILE
Initial investment: Undisclosed
Investment stage: Series A
Investors: Core42
Current number of staff: 47
Moon Music
Artist: Coldplay
Label: Parlophone/Atlantic
Number of tracks: 10
Rating: 3/5
The specs
Engine: 77.4kW all-wheel-drive dual motor
Power: 320bhp
Torque: 605Nm
Transmission: Single-speed automatic
Price: From Dh219,000
On sale: Now
COMPANY%20PROFILE
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Company%20profile
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COMPANY%20PROFILE
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COMPANY PROFILE
Name: Almnssa
Started: August 2020
Founder: Areej Selmi
Based: Gaza
Sectors: Internet, e-commerce
Investments: Grants/private funding
MATCH INFO
Uefa Champions League last-16, second leg:
Real Madrid 1 (Asensio 70'), Ajax 4 (Ziyech 7', Neres 18', Tadic 62', Schone 72')
Ajax win 5-3 on aggregate
Company%20Profile
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COMPANY PROFILE
Name: HyperSpace
Started: 2020
Founders: Alexander Heller, Rama Allen and Desi Gonzalez
Based: Dubai, UAE
Sector: Entertainment
Number of staff: 210
Investment raised: $75 million from investors including Galaxy Interactive, Riyadh Season, Sega Ventures and Apis Venture Partners
The specs
Engine: 3.0-litre six-cylinder turbo
Power: 398hp from 5,250rpm
Torque: 580Nm at 1,900-4,800rpm
Transmission: Eight-speed auto
Fuel economy, combined: 6.5L/100km
On sale: December
Price: From Dh330,000 (estimate)
MATCH INFO
What: 2006 World Cup quarter-final
When: July 1
Where: Gelsenkirchen Stadium, Gelsenkirchen, Germany
Result:
England 0 Portugal 0
(Portugal win 3-1 on penalties)
The specs: 2018 Nissan Patrol Nismo
Price: base / as tested: Dh382,000
Engine: 5.6-litre V8
Gearbox: Seven-speed automatic
Power: 428hp @ 5,800rpm
Torque: 560Nm @ 3,600rpm
Fuel economy, combined: 12.7L / 100km
The Details
Article 15
Produced by: Carnival Cinemas, Zee Studios
Directed by: Anubhav Sinha
Starring: Ayushmann Khurrana, Kumud Mishra, Manoj Pahwa, Sayani Gupta, Zeeshan Ayyub
Our rating: 4/5
AGL AWARDS
Golden Ball - best Emirati player: Khalfan Mubarak (Al Jazira)
Golden Ball - best foreign player: Igor Coronado (Sharjah)
Golden Glove - best goalkeeper: Adel Al Hosani (Sharjah)
Best Coach - the leader: Abdulaziz Al Anbari (Sharjah)
Fans' Player of the Year: Driss Fetouhi (Dibba)
Golden Boy - best young player: Ali Saleh (Al Wasl)
Best Fans of the Year: Sharjah
Goal of the Year: Michael Ortega (Baniyas)