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1. Costs – No Win No Fee!

Having long standing relationships with all our overseas partners we have agreements to provide these services on a NO WIN NO FEE basis charging the agreed commission rate against monies recovered only.

2. Coverage in UAE

We cover all 7 emirates in UAE (the 3 most populous being Dubai, Abu Dhabi & Sharjah). Our local head office is in Dubai enabling us to recover debts throughout the entire country.

3. Local Experience

Unlike many of our competitors all cases are handled by the local office or partner. The reasons for this are they speak the debtors’ language. Although Arabic is the official language of the UAE, English is the most spoken language in Dubai. There are also many expatriates who speak Hindi, Urdu, Chinese to name a few. We understand the local cultures and know all the legal processes. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas.

4. Statute of Limitation in UAE

10-15 years to file legal action and 5 years for bounced cheques. Note there are many special exemptions so whatever the age please contact us and we will advise if we can assist with your claim

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United Arab Emirates (UAE) Debt Collection Services – No Win No Fee

Creditreform operates a global specialist International debt collection service. We have local offices and fully approved expert international debt collection agency partners in every country worldwide. All our International debt collection agency partners and offices operate on a No Win No Fee basis charging an agreed commission against monies recovered only.

Unlike Western countries, the United Arab Emirates treats debt as a criminal matter rather than a civil one. The result being that if a borrower is late with payments, they can face fines and imprisonment. Even after they are released, the bank may open a civil case against them which can result in further imprisonment.

Main reasons why a local country debt recovery agency is so important rather than trying to recover from the UK are as follows:

The local International Debt collection Partners know:

  1. The local cultures
  2. The languages
  3. The laws
  4. Are in the same time zones


Herewith details of our debt collection service United Arab Emirates:

–       Location of office(s) in UAE

–       Number of staff

–       How long been operating in UAE
Since 1994

–      What type of debts do you recover? 
We recover commercial (B2B) and consumer (B2C) in UAE

–       Statute of limitation in UAE
10-15 years to file legal action. 5 years for bounced cheques.

–       How many registries in UAE for businesses? (i.e. UK just has 1 central registry)

1 public court in each of the seven Emirates.

–       What is the process in UAE?
All documents must be in order, debtor company should still be operational. Not allowed to contact family, unless specified in the contract signed. Not allowed to visit private quarters of individuals without a court order.

–       Average length of time to collect?
6 months

–       Can late payment fees / interest be added to claims?
Only if specified and agreed to in the contract

–       Any brief details on legal service / process in UAE
All documents must be legally translated into Arabic. Court will first review documents before accepting any case. All legal costs should be paid in advance. Lawyer must be given a Power of Attorney.

There are many unique requirements to recovering international debts in all countries including the UAE which differ from the UK and therefore it is very important that cases are handled directly by our expert international debt collection agencies and not from debt collectors UK. This method of international debt collection sets Creditreform aside from the competition who in many cases try and recover debts from a UK debt collector only without knowing the laws and the processes required in each country. Using the local international debt collection agency offices and partners enables us to achieve a far greater success rate and our No Win No Fee service together with competitive commission rates against monies recovered only ensures you get the best service.



“We are pleased with the friendly and efficient service of Adrian Harding and staff at Creditreform in collecting outstanding overdue debts on our behalf. Some accounts, especially those located overseas have been difficult customers but we are pleased with the high rate of success. We also appreciate that they keep us informed and constantly updated on the progress of the collection”
Bryan de Beer, Phoenix Fragrances
“Within 48hrs of Creditreform being involved a resolution was agreed and within the week paid in full. The professionalism of the Creditreform team was second to none and I would and indeed do recommend them to colleagues in a similar difficult position This situation was the first time we have had to employ a company for debt recovery and it was good to feel that you have someone else ‘on your side’.”
Dean Lake, Lake Contracts
“We have been using Credit Reform for a number of years now and we have always been dealt with in a professional and friendly way. Over time, Creditreform have managed to achieve good results for us. Would definitely recommend.”
Anna Zhakrova, Catering Hygiene Specialists Ltd
“I have worked with Creditreform for many years and always received a first class service. Keep up the good work”
Russell Hardwick, MSC Industrial