Only problem with SRCs post service is its for travel FROM and to Dubai which makes them pretty useless unless you’ve booked sub load cat A prior to your LDS into DXB. You can book unlimited cat A sub load tickets prior to midnight of LDS for travel anytime in your 12 months post service. |
I got completely the opposite information!
Once you've left you can use SRC originating from outside Dubai. My friend did Europe-Dubai-Far East. And CAT A are only valid for LDS plus 28 days. I hope we're both half-correct. |
YP your info regrading SRC post service is incrrect! |
SRC Confirmed is great from US. We used our 3 firm tickets USA-DXB-OZ return. Business all the way. Missed out on using our last two SRC standbys due to our own fault in missing the deadline to book.
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So far in retirement flown firm business SRC tickets from North America to points east to the value of $55,000. Total cost to me $110.
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HI All
Leaving in just over 2 months. A quick question or 2 regarding Credit Cards and personal Loans. I am with Emirates NBD and have a Credit card and a personal Loan. On HR Direct, under "Guarantees" Tab, I simply have 1 item entitled "Salary Transfer" My questions: 1. Do I need to pay off both Personal Loan and CC, or just the Personal Loan? 2. If I do have to pay one or both off, does this get paid from your End of Service benefit/provident fund layout (been here 10 years, so it will be provident fund).Or, do I have to clear these in advance? 3. What methods of payment are available for final settlement from EK to the employee, and which is more advisable to take? Thanks in advance. |
You don’t need to pay off all your loans in order to get everything owed to from your employer, or to be able to leave the UAE after your employment visa is cancelled. And you can keep your bank accounts open after you leave (probably ok until your UAE ID expires).
However if your account balance doesn’t clear your debt your card will be frozen until your debt is cleared. You can continue to make payments from home country and come and go from the UAE freely, provided you keep up your payments. On your LDS your final salary transfer minus retention (around 4K AED) gets transferred into “guaranteed” account (I believe this payment also notified your bank with loan you’re leaving). Same day you can collect EOSB Cheques from EOS. B fund funds for me got transferred 2 months later into same account along with rentention funds (I selected wrong option on EOS portal, I assume/believe you can get all provident fund on your last day as a Cheque to be cashed wherever however you wish). The notion you cannot leave UAE with debt is a myth to keep you there. |
Just a heads up re possible Etisalat issues on departure. We left the pit a couple years ago and it was certainly an effort but all went very well until Etisalat decided we did not close our account properly and we now owe AED2100 for charges accrued since our departure. We closed the account personally, which they acknowledge, however they said they tried to call me to verbally verify my request for closure. Did they think I was joking? The number they used was the property of EK so I, of course, gave that sim card back and therefore could not be contacted. They contacted me via email after about a year of being back home. All polite at first but that deteriorated into threatening emails. In spite of all the common sense I could throw at them I realize I could make no progress on changing their position. I advised them I would pay on return to Dubai during a visit. They wanted money sent immediately but I can't bring myself to trusting the system. Hopefully we aren't sent to jail when we arrive in Dubai. That would make no sense but we are talking about Dubai. So I can only caution that you must get receipts for everything and don't throw them away too quickly as I did. Also stand by for the supposed verbal verification call from Etisalat.....silly. I thought the UAE experience was over but I guess they weren't quite done with me. Wouldn't care at all except I have earned retirement tickets and would like to use them which involves returning to DXB usually.
Happy flying to my old EK colleagues and friends |
I keep getting e-mails from Etisalat for a similar amount as well. I closed my account in person, but they kept it active for a few months. When they called me to confirm the cancellation, I was advised that I had to pay a cancellation fee. I had already exceeded the minimum contract period, so I refused to pay any fee. They’ve been threatening with legal action for the last 3 years. I didn’t get arrested when I went back to Dubai, but I have to admit that I was a bit worried when it took longer than usual to check my passport.
Not sure what will happen if they ever take legal action, but so far they didn’t. I think that they are just threatening with legal action, hoping that you’ll pay eventually. |
retirees tickets
Gents, Am I the only one who can not acces the eksts , retiree website? I can log in but I get a blank page with a security token and not able to go to trips.
On any computer, on any browser, chrome, safari etc. Anybody with a solution? |
EK Staff Travel
Morning Tatin 1
Just checked the retiree staff travel site, and managed to log-in without trouble - using Firefox. If you know someone still in DXB maybe ask them to contact the relevant IT department, or send an email to retiree staff travel. I wish you luck. |
Thanks Gehenna,
IT says its the bank, the bank says its the website. Not able to pay outside Dubai with any credit card. |
Hi again Tatin1
Sorry that you are still having trouble. Do you have the contact details for staff travel, or would like me to send them to you, so at least they may be able to point you in the right direction? |
Tatin - had a similar issue a few years ago. You may already have tried these, but what appeared to solve the problem for me was a) make sure your Pop-up blocker is off. If it is already off, turn it on and then off again b) make sure you don't have any active Ad-blocking software c) if you have Anti virus software, put the TRIPS URL in the 'safe site' list d) just prior to accessing the Staff Travel site, clear all cookies from the cache on your device.
I'm not sure which of these fixed the issue for me, but one or more of them certainly did and I've had no problem since. Sorry this response is late - only just saw your post. Good luck. |
This thread is now unfortunately more relevant than ever. Good luck to all who received the bad news today.
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EK resignation tips?
Just do your job and they will take care of it for you. TC and upper management are weak and scum for treating staff like this. Sir Maurice Flanagan is rolling over in his grave. |
Hi all,
I received a job proposition to work abroad but I currently have a loan with a bank here in the UAE. I want to accept the job and move, but I want to continue paying my monthly dues accordingly so that I can come and go to the UAE if and when needed. I have a Salary Transfer Letter active in my HR profile. 1) is it still possible to go through the resignation process with an active loan? Doesn't HR request a "no liability letter" to clear you? 2) Do I get the EOSB to myself or will it be blocked by the bank? Does the bank block your account? If some kind soul could inform me details about al lthis I would deeply appreciate. Best regards to all and wish you all the best to you, families and colleagues |
Everything in UAE is linked so my understanding is that if you have an active loan, you will not receive a clearance letter and your residency visa will not be cancelled....
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Keep the company out of the transfer process for your EOSB and do not opt to get your money transferred in AED. I understand that any transfer other than AED, is actioned by the provident fund trustee and not by the company, which could take longer.
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Looking for information on how long after visa cancellation and end of service that the provident fund is released to the bank you have nominated. I am going back to the UK and a little concerned that if it is after I have repatriated that I could be liable for UK tax........
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It can and has taken months rather than weeks for at least some of those that have left after the onset of COVID-19 but these funds were transferred from payroll. I may be wrong here but I understand that foreign transfers are now executed by the trustees? Should this be the case then it could be quicker.
If you are worried about the amount of tax that may or may not be liable, then the cost involved for seeking professional advice will be a drop in the ocean! :ok: |
Hi Felix, I got mine approximately 3 weeks after my last day of service (about 2 weeks after I got back to the UK)
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How was or is that treated by HMRC for tax since you are technically UK resident when it arrived? PM me if you prefer...thanks
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My (layman) input, for what it's worth is . . .
I don't think Provident Fund payments are seen as earned income, so I would have thought would not be taxed as such. As for where you are when you receive any income payment, I do not believe it is relevant. More relevant is the date any payment is made, as it dictates in which tax year it will be assessed. Any income from EK this tax year will be assessed as foreign income in tax year 2020-21. The main question is whether you will be deemed to be UK resident or non-resident for tax year 2020-21. If you are non-resident, then no tax will be due on EK income. If you are resident, then you will need to declare EK income as foreign income. But, as I noted above, Provident Fund payments may not be seen as income. There will also be the issue of separating true income from any severance payments, if applicable. I found the rules around UK residency (for tax purposes) far from straightforward, certainly it wasn't a case of just spending more than 183 days in (or out) of the UK in a given tax year. One's ties (property, family, etc.) and the situation in previous years are also considered, so I would advise taking the HMRC Statutory Residence Test (SRT) for not only this year, but previous years too. There is the option of split year assessment, but that isn't as simple as one would expect it to be. Professional advice has been rightly suggested but, as long as you can cope with the frustration of links that take you round in circles, or to irrelevant pages (such as residency rules regarding immigration), the HMRC website is pretty comprehensive and clear. Online tax returns are due by the end of January 2021, so you have plenty of time (though paper returns are due by the end of October 2020). I don't think there are many decisions you can make now to influence events other than, of course, to keep clear of the UK until after 6 October! |
I have been trying to find a UK tax specialist in Dubai but it seems to be harder than expected.
I am definitely classed as non resident, that is not an issue. The taxation part becomes an issue because as soon as you return to the UK my understanding is that you are then classed as resident. The provident fund can take a good few weeks to be received and by then I would be classed as UK resident and liable for tax on earnings in the 20/21 tax year. You are correct that I can apply for a split tax year, but that would just cover earnings outside the UK until the date I repatriated. Having spoken to a Mondial rep they said that HMRC could well declare the provident fund as income liable for tax since it arrives after I return to the UK. There must be other people in the past repatriated to the UK with a similar situation re the provident fund payment. Why specifically the 6 October? I am obviously missing something...... |
Originally Posted by felixthecat
(Post 10874353)
Why specifically the 6 October? I am obviously missing something......
I would be grateful if those unfortunately caught up in this, could let us know how long it takes for the PF money to come through after repatriation. PM me if you prefer. |
Originally Posted by felixthecat
(Post 10874353)
I have been trying to find a UK tax specialist in Dubai
Find an accountancy firm in the UK that is recommended by someone you know and trust and get in touch and seek their professional advice. :ok: |
Try the Fry group. They have offices in UK and Dubai. They are experts on this. Personal recommendation.
www.frygroup.co.uk www.frygroup.ae |
I referred to 6 October, Felix, because if anyone returns to the UK before then and stays for the remainder of the tax year (183 days), they would automatically be UK resident for the entire tax year 2020-21 under the first residency test. But if you are opting for a split-year assessment, that wouldn't be relevant. I assume Mondial's advice is on the assumption you will be taking the split-year route.
Sorry, I should have said you have until Jan 2022 to file a self-assessment return for the current tax year. It's the 2019-20 return which is due in Jan 2021. |
How long after ‘last day of service’ did people receive retained amounts from Emirates? Not the provident fund, the retained monies.
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For me it was approximately 8-10 weeks later. And that was during "normal" times
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