On 11 February 2013, the defendant who was an individual took out a personal loan with the Claimant, which was a bank for 200,000 AED for 48 Months, at an agreed annual interest rate of 11.74%. The Defendant made 158,928.02 AED in payments and the last payment was received on 27 October 2015. The outstanding amount on the loan was 87,893.45 AED.

The Defendant had also used a Credit Card supplied by the Claimant with a limit of 50,000 AED. The last payment toward the credit card was made on 20 September 2015, and there was an outstanding balance of 64,574.58 AED. This amount increased as a result of interest accruing and the outstanding amount became 136,051.30 AED.

The Defendant was also using another Credit Card with a limit of 100,000 AED and the last payment on that was on 21 September 2015, leaving an outstanding amount (on that date) of 114,004.90 AED.

The total claimed amount was 292,776.73 AED, which was made up of the personal loan (87,893.45 AED) and the two credit cards amounting to 204,883.28 AED.

The parties tried to negotiate but were unable to make a settlement.