At this time, Najid is focused on supporting UAE nationals. We hope to extend it further in future.
CSR · Najid

Caught in an unfair loan or instalment plan? Let us take a look.

If you entered into a loan, credit, financing, or instalment agreement in the UAE and believe the cost, the disclosure, or the collection conduct was unfair, our lawyers may be able to review your situation — and, where we can, help you do something about it.

Who this is for

This initiative is for individuals in the UAE who may have entered into a loan, financing, credit, or instalment-sale arrangement that was unfair, excessive, unclearly disclosed, or possibly not properly licensed — and who may now be facing heavy mark-ups, interest, fees, penalties, or aggressive collection.

You do not need to know whether anything was “illegal.” That is not for you to decide, and it is not what we ask of you. Your role is simply to tell us honestly what happened and share the paperwork — our lawyers will assess it.

What we may be able to do

After reviewing your situation, and only where we believe it is appropriate, our lawyers may be able to:

  • Raise your matter with the relevant government or regulatory authorities.
  • Communicate or negotiate with the lender, supplier, or finance provider on your behalf.
  • Seek a restructuring, reduction, waiver, or settlement of what is owed.
  • Pursue legal proceedings where that is the right step.
  • Where many people are affected by the same provider or programme, group matters together for coordinated review and action.
Who leads Najid
Fuad Rahma

Fuad Rahma

Financial Consultant

Niaz Brohi

Niaz Brohi

Senior Legal Consultant

An honest word on expectations. We cannot help everyone, and we cannot promise any particular result — no waiver, settlement, complaint outcome, or court result is guaranteed. Whether we can act, and how, depends entirely on the facts and documents once our lawyers have reviewed them. Contacting us or sharing information does not create a lawyer–client relationship, and no such relationship exists until we have agreed to act for you in writing.
How it works What we review
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