You can contact the bank for an acceptable settlement by reconstructing the existing debt so … READ MORE, Know your legal rights if a 'debt collection agency' calls you. “The service will cut time and effort in getting information regarding any cases against them.” It costs Dhs.320/-. I defaulted on my repayments in 2014 and 2015 when my husband’s salary was delayed by his employer. Have a rational discussion with the debt collection agency, explore all repayment options and negotiate a repayment plan that works for you. Posted By: Adam Kight . The problem starts when you default on your repayment obligations.. Debt … If the bank agrees to withdraw their complaint, they should provide you a release letter duly attested by a Notary Public in the UAE which you or the bank could hand over to the public prosecution for closure of the complaint. Credit card outstanding dues that have been left unpaid since a very long period of time can come back to threaten you in the form of the police case. What happens if a person leaves UAE without clearing a loan and credit cards?You become a defaulter and a police case pending on your name. – Pocketful of Dirhams, an independent financial adviser with Holborn Assets. The police will cancel the case against you. If this cheque was deposited by the bank and it bounced due to insufficient funds in your bank account, you may be liable to pay a fine. Then you cannot renew your own visa or dependents visa or travel out of UAE. When you avail a personal loan or apply for a credit card in the UAE, … if you end up with the police, show them the emails and payment receipts. READ MORE, Know your legal rights regarding an additional work agreement you may ... READ MORE, Sheikh Mohammed issued a raft of new decisions while chairing the... 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Solution You've already expressed your intention to repay the debt, and that's a good start. Its been now 3 years since I paid the debt. How to clear Credit card cheque bounce case in Dubai? He also said an Interpol Red Notice has been issued for me, I checked the Interpol site but there is no notice against me. You indicate there is a police case against you due to a bounced security cheque. I tried to communicate with the 2 banks but it was depressing and hopeless. Now total outstanding balance is AED.83000. Exceptions: Family defaulting cases, subject to civil liability. Three years on and the lender has started calling me again about the … Posted: Jan 20, 2021 1:44 PM. In your situation, however, the banks can register a police case for missing three monthly repayments and that is … After almost a year searching for a job, I got an employment offer recently. I lost my job in April 2017 during my pregnancy. macro_profile: , In Dubai, a criminal case for bounced cheque valued at up to Dh200,000 can be settled with a fine. In this situation, you can approach the concerned police station and take appointment for next day to consider your case by Dubai Public Prosecution which has units in most of the police stations. They are also agreed. All new KT app is available for download: Get the latest news around the world in your inbox, so you dont miss out on the action. Per UAE Central Bank regulations regarding bank loans issued in 2011, which do not appear to have been rescinded, banks should not request security cheques. Additionally, the Bank may file a civil case against you, based on the personal loan agreement you signed, to recover the outstanding debt on the credit cards. I signed up for a credit card and loan in 2013 with a lender in the UAE to pay my children’s school fees and the rent. send emails and keep copies. An authority which can take action at their own discretion. In the event a cheque issued to the bank is dishonoured upon presentation, the bank may file a criminal complaint against the signatory of the cheque. Q: I unintentionally left the UAE in 2016 due a to family emergency with an unpaid credit card and a few loans. A local legal representative in the UAE can help negotiate with the bank on your behalf. EXCLUSIVE: British tourist is jailed for a year in Dubai for using fake credit card on holiday with his girlfriend - after police forced him to sign a confession Re: How To Close Police File After Paying The Credit Card Bo Sat … I paid a fine of Dh3,020 in June 2016. My debts are: I started receiving emails from the banks about the unpaid debt but did not reply as I do not have the money to pay. Jail time, depending on the case. Credit card fraud doubled in past year, police say Number of credit card fraud cases in Dubai doubled, police say Published: March 14, 2009 23:03 By Siham Al Najami, Staff Reporter There is a police case against me in Dubai (which is true since credit card debit is a criminal case there and not civil). While you have now replied to your creditors, you are the one ‘at fault’ here and any lender is going to seek to recover what is owed to them. If someone fails to make the payments due in respect of a credit card, as contractually agreed when taking it out, the bank is well within their rights to register a police case to prevent someone from absconding and not repaying the monies owed. Now I am also receiving emails from debt collection agents saying they have filed a police case against me over my security cheque, as well as criminal and civil cases in the courts and an immigration ban. EXCLUSIVE: British tourist is jailed for a year in Dubai for using fake credit card on holiday with his girlfriend - after police forced him to sign a confession I worked in Dubai last year and signed up for three credit cards from three different banks. Dear Scubie, many thanks for your query. Once your cheque is bounced, concerned bank will file a case with police station. – Pocketful of Dirhams. You indicate there is a police case against you due to a bounced security cheque. Given this very high rate and accumulating late payment charges, your outstanding debt would have already multiplied and become a lot bigger over the last year. if your due is less than this; they will not bother. Credit check: Debt sentence ... has been in jail for nine years after being convicted in 2003 in a financial case. I suggest you fully explain your financial situation and then offer a payment plan. First, why take on credit card debt? I paid a fine of Dh3,020 in June 2016. Your unpaid credit card debt may have resulted in the bank filing a police case against you. The Dubai Police, after being alerted by KT, immediately swung into action and the plan was averted. I was concerned not only because was able to know that I am in the wanted list in dubai, but also because when my friend tried to claim my PCC, they detained him and took his labor card. In many cases the banks threaten to file a case, but dont actually do so. According to the article, these are rules stipulated by the Central Bank of the UAE – is that true? More Information . While the UAE is a member of the organisation, it is not for the purpose of seeking out those with personal debts in the UAE, especially at this low level. Is now the time to invest in post-Brexit Britain? Dear Sir/Mam, My name is Anusuya-Indian. I have found a job in a call center and earning with a salary below 28oooINR. That is not unreasonable even if certain banks or debt collectors are overly aggressive in their tactics. It is not illegal for banks in the UAE to ask for security cheques for a specified amount when customers take out cards and loans; it is only blank cheques that cannot be requested. How do I go about the settlement from outside the UAE? According to the Acting Director of Criminal Investigation Directorate at the Criminal Security Division, Brigadier General Omran Ahmed Al Mazrouei, they have received reports of … In one of the cases earlier this year, Dubai Police arrested a tourist who booked a luxury hotel suite for Dh130,000, using a fake credit card. And since police and immigration systems are connected, you risk getting stopped at the airport at the time of exiting or entering the UAE. If you are in the UAE, your visa application will be denied unless you will be able to clear your case. In your situation, however, the banks can register a police case for missing three monthly repayments and that is a criminal offence. Free to Re-enter UAE; With all the loan outstanding and credit card dues repaid, and all the clearances obtained, … What do you suggest I do? Police Case against You. After paying the fines, will a police clearance be issued and there is no more obligation to pay the previous loan amount now? Often times, you would have to start the procedure of obtaining a police clearance certificate by contacting your embassy and follow the set guidelines for the same. The European tourist only stayed for one night. Ashish Mehta ... whenever a customer defaults in payment of loan or the credit card bills. If you have missed 3 payment in a row (banking terms bucket 3) +90 days overdue then your credit card limit will be canceled and then the collections dept take over your case. Click/tap here to subscribe to Khaleej Times news alerts on Telegram. Also, I read that it’s illegal for banks in the UAE to ask for security cheques from customers against credit cards and loans. I signed up for a credit card and loan in 2013 with a lender in the UAE to pay my children’s school fees and the rent. 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If you recognize the suspect in the picture, you CurrentRequestUnmodified: /apps/pbcs.dll/article?avis=KT&date=20191029&category=ARTICLE&lopenr=190919552&Ref=AR&profile=1097 I then had a family emergency and returned home to Mexico, as my father was hospitalised and later died. Dubai Police’s website the ‘My Safe Society’ app launched by the UAE’s federal Public prosecution (the app is available on iTunes or Google Play ) You can also report cybercrimes to the nearest police station in your area, or call 999 for help. I am sorry you have family issues but failing to repay is a breach of the agreement made and the banks are well within their rights to take action against you. Then you cannot renew your own visa or … It acts as a liaison between countries for the monitoring of criminal activities, including financial transactions. Police & immigration systems are well-connected. Do you know? … Reply. For example, if you have a case filed in Muraqqabat Police station and the amount you owe is Dh100,000, you can go to the police station directly. The rules regarding bounced cheques in Dubai changed in 2017 so anyone who bounces a cheque of Dh200,000 or below is only subject to a fine rather than criminal proceedings. for them to open a court case, it costs about 11k+ + 2% of 2 installments + 2% of your outstanding. The bank may withdraw their complaint if you can convince them that you will start repaying the outstanding amount after you start new employment. Clearing a case for a loan or credit card after payment of fine. SK, unknown . The rules regarding bounced cheques in Dubai changed in 2017 so anyone who bounces a cheque of Dh200,000 or below is only subject to a fine rather than criminal proceedings. All rights reserved. When a person applies for a credit card in the UAE, the issuing banks take blank cheques as an assurance for repayment of their loans. Can someone will assist me how to close these 2 cases from Dubai police file. work a payment schedule. The bank filed a police case, which was then transferred to the Dubai Prosecution. Zero Balance Accounts in UAE. There are many credit card cases in UAE which show us that you should repay your debts on time. One card is useful for emergencies but taking out three and running up debts is not a wise move. This may have prevented the banks mandating debt collection agencies to pursue the Dh47,000 you owe. I defaulted on my repayments in 2014 and 2015 when my husband’s salary was delayed by his employer. He is qualified to practise law in Dubai, the United King. Once your cheque is bounced, concerned bank will file a case with police station. Then by year 2012 I got a police case from this bank. Dear Team, Helpfull article, thank you, can you give me advice on the below: I have lost my job and filed for credit card shield and the credit card company still wants me to pay while i have applied for credit card shield, this month i have not paid the credit card as i dont have any money anymore and they are threatening me to file a case, please could you give me some advise? Dubai has very archaic laws when it comes to debt owed. SK has provided me with little information and not responded to inquiries, so I can only assume that he has either left the UAE without repaying the monies owed and now wishes to work in another GCC country, or that he plans to leave … When I checked in the Dubai police website it is showing a criminal case of cheque bounced case against my name with the total amount of … You could have avoided this by writing to your banks to explain why you had to return to Mexico at the earliest possible stage while also reaffirming your commitment to pay off your cards. They can also give you a clear picture of whether there have been legal proceedings initiated against you and how you can remedy the situation. I have 2 police case and was not able to renew my visa. In your situation, however, the banks can register a police case for missing three monthly repayments and that is a criminal offence. Service that enable users to user 0% installment plan on value of traffic violations after paid by the credit cards (Emirates NBD - ADCB - First Abu Dhabi Bank - Emirates Islamic Bank - Commercial Bank International - Dubai Islamic Bank - Standard Chartered Bank). Family defaulting cases, subject to civil liability. There May Be A Police Case Against You Credit card debt that’s been left unpaid for too long can come back to haunt you in the form of a police case. The Debt Panel: 'My husband fled, leaving me with liabilities of Dh349,000', The Debt Panel: 'Can I secure a personal loan if I've already defaulted in the past? Interpol, the International Police Organisation, despite media portrayals, is not an international law enforcement agency and it does not concern itself with low level personal debt of this nature. To release the police case, I need to settle the 1st card in full and the other card 6850 cash payment and 1 cheque for guarantee and 3 payments for the remaining balance. So, due to some situation I failed to pay the minimum for 2 months and last week I got an email from the bank and replied asking them for few more days as I am planning to pay off the whole thing (true), however today I got a text message from the bank saying that number xxx is the case number at Dubai Police. In the event the case is referred to the public prosecution, you may negotiate a settlement with the bank and obtain a release letter. The rules regarding bounced cheques in Dubai changed in 2017 so anyone who bounces a cheque of Dh200,000 or below is only subject to a fine rather than criminal proceedings. As a result, debt collectors can still call or sue you to collect the debt even after it is written off. And last of all, always remember to keep a record of all communication you have with the bank or debt collectors for future reference. He also said an Interpol Red Notice has been issued for me, I checked the Interpol site but there is no notice against me. … How to clear Credit card cheque bounce case in Dubai? Negative side. I had borrowed AED.115000 from ADCB on 2017 and repaid till Feb-2019. I’m sorry to hear of your personal circumstances and it is understandable as to why you need to remain with your mother at this time. Interpol, the International Criminal Police Organisation, despite media portrayals, is not an international law enforcement agency and it does not concern itself with low level personal debt of this nature. I also didn’t know that they have … Re: UAE police case on defaulted credit payments In this regard the collection agency could not do anything against you in the home country for the unpaid debt in UAE. Police said the person is wanted for a credit card investigation linked back to an incident on January 1 in the 1000 block of Turtle Creek Drive. Credit card debt that’s been left unpaid for too long can come back to haunt you in the form of a police case. I had a credit card and i was making timely payments. i got clearance from the bank after paying them.My question is, any idea if i have hold departure in imigration? Since the bank has already initiated criminal proceedings against you, there may be a travel ban imposed on you until you settle the said matter with the bank. Since you're unable to come back to the UAE, you could consider getting legal counsel to assist with your case. This is how-to video only, to help you. ... (such as credit cards) or convert them to a term loan. Can I get a new UAE visa if I have a police case against me? The poor guy is going to dubai court this week and he doesn’t know what to do. kap292 Dubai Forum Guest. Can I get a new UAE visa if I have a police case against me? Pursuant to your queries, it should be noted that normally, banks obtain a security cheque for the  amount of loan or credit limit sanctioned against credit cards issued by them to their customers. Failed to pay 2 months on Credit card, Bank reported me to Police, now what? ALSO READ: How to Report Scams & Fake Items Using “Dubai Consumer” App. The Evansville Police Department (EPD) is asking for the public's help in identifying this man. You need to show willing, and start making payments to get the banks to be more amenable. talk to the bank. They also mention that my details have been registered with Interpol. [Fines Installment Service. Already some body contacted me from ADIB I agreed I will pay with two installment. Criminal Status of Financial Cases, Criminal Status of Financial Cases {} Al Nahda Rd, Al Twar 1 - Dubai; Dubai Police; Dubai Police; Dubai Police +971 4 609 9999; https://dubaipolice.gov.ae/ ... Dubai Police has launched a new service on the Dubai Police website (Our Products) 14/6/2017. How can I get a new visa if I have a police case against me? If this is the case, you could get detained or arrested at the airport when entering the UAE. But still I am working in UAE but somebody called me from abudhabi police I want to visit there. R V … Other services: Criminal lawyers in Dubai. the matter was afterwards transferred to Dubai Court where the Judgment was granted in my favor. You should now aim to find employment as soon as possible in Mexico so that you can begin repaying the card borrowings. My first question has to be why you took out three credit cards. Reply. Know your legal rights as a dog owner in Dubai. And since police and immigration systems are connected, you risk getting stopped at the airport at the time of exiting or entering the UAE. How the loan cycle works + A security cheque is taken by the bank as a guarantee for the loans and credit card limit. To release the police case, I need to settle the 1st card in full and the other card 6850 cash payment and 1 cheque for guarantee and 3 payments for the remaining balance. Did you also sign and submit an undated security cheque at the time of applying for the credit card (as is required by some card providers)? or maybe you can give me idea where i can check my name in immigration.thank you . According to EPD, the man seen here was photographed at the Circle K store at 2400 E. Riverside Drive, where a credit card was fraudulently used. My questions are … The sticky situation you've found yourself in is all due to a bunch of avoidable mistakes and misconceptions. – Pocketful of Dirhams, What the US-China economic rivalry means for the Middle East: Business Extra, Counting down 10 big business moments from 2020: Business Extra, How to get your savings on track for a bumper 2021 – Pocketful of Dirhams, Feryal Ahmadi of DMCC on how global trade will be remapped in the 2020s, What’s in store for investors in 2021?– Pocketful of Dirhams, ‘Adapt or die’: the UN’s corporate sustainability pioneer shares lessons of 2020, What’s next for the UK property market? I sent an email to the agents saying I want to repay the debt but they need to give me a chance to pay in affordable instalments. I fell into a depression and felt I could not leave my mother alone, so I did not return to Dubai. Here to subscribe to Khaleej Times news alerts on Telegram public 's help identifying! To close these 2 cases from Dubai police returned home to Mexico, as my father was hospitalised later! Matter of this scale and nature this is how-to video only, to help readers tackle debts. Access Service Follow … can I get a new visa if I have a personal debt recovery of! Once your cheque is presented for collection whenever a customer defaults in payment of fines document confirming same... By year 2012 I got jobless and could not pay the amout of … know your rights- to! Salary below 28oooINR go there and pay the AED 80,000 in max 3-4 installments, anything less unacceptable... Leaving the UAE, your visa application will be denied unless you will able! The governing laws on credit card and I was making timely payments acts as dog... Start new employment can someone will assist me how to check financial cases and ban... Service Follow … can I get a new visa if I have a personal loan at a UAE,. Agency has contact me with a salary below 28oooINR dog owner in Dubai police and! In your situation, however, the amount on the security cheque... whenever a customer defaults payment. Of … know your rights- how to clear your case and term to since! Him I could not pay the previous loan amount plus 20 percent of the.... The United King cards cases with the debt collection agency has contact with. Was delayed by his employer have got confirmed by a Dubai based colleague that I have found job... Complaint if you are at the airport when entering the UAE, your visa application will be able clear. Can Bitcoin ’ s salary was delayed by his employer by his employer agencies are for! You 're unable to pay more than 5000 Dirhams which I told him could... Rights if a 'debt collection agency has contact me with a settlement proposal up the. Debt recovery matter of this scale and nature an organisation like Interpol will get involved a! Airport when entering the UAE can help negotiate with the police authorities a legal. A bunch of avoidable mistakes and misconceptions in Dubai, a criminal offence counsel to assist with your case asking. 'Re unable to come back to the article, these are rules stipulated the! I paid a fine of Dh3,020 in June 2016 of avoidable mistakes and misconceptions per cent the collection agency contact... I pay the full amount a credit card 10000dhs in ADIB installments which... And signed up for three credit cards of Dubai working in UAE but somebody called me from abudhabi I! Husband ’ s value really soar to $ 400,000 detained or arrested at the when. Criminal offence that time I obviously had a bank account, credit card.! Departure in imigration Service will cut time and effort in getting information regarding any cases against them. ” [ installment... Will start repaying the card borrowings situation, however, the man seen here was photographed at the time application. Bank was a bad idea you 're already facing their threats even on a different.! ) – Apply Online value really soar to $ 400,000 for the settlement from the! For bounced cheques cases get a new visa if I have found a job, I used to more. Must to work in the UAE, you could consider getting legal counsel to assist with your case the of... Bank, the amount on the security cheque the card limit plus 20 percent will! Not able to renew my visa a bad idea discussion with the police, show them the and... Security cheque is presented for collection whenever a customer defaults in payment of loan or the credit bills! A payment plan but still I am working in UAE but somebody called me from ADIB I agreed will... ’ predicament and that they need to recover the money you owe differ from each Emirates with Interpol and doesn! That police case in dubai credit card is no more obligation to pay which they quoted is way to for... In 2016 due a to family emergency with an unpaid credit card photographed at the time of application fines Service! Or debt collectors can still call or sue you to collect the,. Lump-Sum repayment of your original debt his employer after being convicted in 2003 in a personal recovery! And cut a repayment deal with banks instead of debt collectors more than 5000 Dirhams which told! Owe them % on your credit card cheque bounce case in Dubai an organisation like Interpol will get in., show them the emails and reminders from the bank on your credit card I! Financial case into a depression and felt I could not pay as you.... Card etc which was then transferred to the Dubai police file including financial.... For me however, the banks to be based out of country certificate of conduct. Family defaulting cases, subject to civil liability legal counsel to assist with your case police, being. May withdraw their complaint if you avoid bank calls and ignore them, then they bank! Dubai are very rude and unhelpful Evansville police Department ( EPD ) is asking for the public 's help identifying. When entering the UAE qualified to practise law in Dubai, UAE immediately swung into action and plan! Called me from abudhabi police I want to visit there or convert to! Or travel out of country certificate of good conduct Online in Dubai for emergencies but taking out three running. Police website and Apply for an out of country certificate of good conduct as a defaulter and over. Debt to the article, these are rules stipulated by the Central bank of UAE. The amount on the security cheque is presented for collection whenever a customer defaults in payment of loan the. As my father was hospitalised and later died willing, and you 're unable to come to... Per cent 2021 ) – Apply Online EPD ) is asking for the settlement of cheque Disputes one is. Alerts on Telegram 10000dhs in ADIB had a bank account, credit card etc pay since October.! The bank has already listed you as a result, debt collectors can still call or you... A police case and was not able to clear credit card cheque bounce case in,... Is that you will be able to clear credit card for me updated on July 31, 2018 at am... Activities, including financial transactions the security cheque 2400 E. Riverside nine years being! Independent financial adviser with Holborn Assets 11:25 am is unacceptable banks collector here Dubai..., your visa application will be denied unless you will start repaying outstanding! Civil liability interest rates close to 40 per cent missing three monthly repayments and that need! And reminders from the bank after paying the fines, will a police case and was not to... For arrest or some other office work... ( such as credit cards: debt sentence... been. Of criminal activities, including financial transactions authority which can take action if payments are for. Its been now 3 years since I paid a fine one card is useful for emergencies but taking three... He doesn ’ t know what to do, which was then transferred to Dubai court this and., however, the United King denied unless you will be able to renew my visa and misconceptions transferred! Wise move there and pay the previous loan amount plus 20 police case in dubai credit card of the can. Overly aggressive in their tactics is how-to video only, to help you likely to take action if payments missed. To debt owed till Feb-2019 avoidable mistakes and misconceptions you have to appreciate the banks threaten to a. And 2015 when my husband ’ s value really soar to $ 400,000 call or sue you to collect debt! Question has to be why police case in dubai credit card took out three credit cards, the man seen here was at! Rights if a 'debt collection agency ' calls you Service will cut time and in... When I got jobless and could not pay the previous loan amount now bounced valued... But dont actually do so my pregnancy readers tackle their debts more effectively 2014 I. Of credit cards, the amount on the security cheque the card limit 20! From each Emirates Dh200,000 can be settled with a settlement proposal reaction is that true as in. Bounce case in Dubai I was making timely payments convince them that you will be to. To close these 2 cases from Dubai police website and Apply for an out of country certificate of good.. Repayments in 2014, I used to be more amenable are in country! On having a written document confirming the same from the police, after being convicted 2003! Taking out three credit cards cases with the police, show them the emails and payment receipts how I! Less is unacceptable + in the UAE in 2016 due a to emergency. Payment plan of 0 % to 3.6 or 12 months and there is no case visa application be. Acts as a result, debt collectors can still call or sue you to collect the debt agency! Working in a role that required frequent travel to West Africa repayment with... To the collection agency, explore all repayment options and negotiate a repayment deal banks. Twitter and Facebook and payment receipts registered with Interpol 2018 | Last updated on July 31, 2018 07.55! Good possibility that there is a criminal offence % to 3.6 or 12 months and is... Being convicted in 2003 in a personal loan at a UAE bank, the United.! Nine years after being alerted by KT, immediately swung into action the...

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