أسئلة وأجوبة
أسئلة وأجوبة
4 متاح 4 • عرض الجميعالعواقب القانونية للتخلف عن سداد أقساط القرض الشهرية
5
س: لقد تحصلت على قرض من بنك بقمة 190000 درهم إماراتي منذ سنة. لقد فقدت وظيفتي في شهر أكتوبر عام 2018. كنت أدفع الأقساط الشهرية حتى مارس 2019.
لست في وضع يسمح لي بالسداد بدءًا من هذا الشهر. ذهبت إلى قسم تحصيل الديون لتقليل القسط الشهري الخاص بي، لكنهم يطلبون خطاب عرض من الشركة الجديدة لتقليله.
بماذا تنصح في هذا الوضع؟
ملاحظة: فاتني قسط شهري واحد عن شهر ديسمبر 2017.

2019/04/12
3027
الإجراء المتوقع من البنك بسبب التخلف عن سداد قرض
0
س: سيدتي العزيزة،
برجاء توجيهي. لديّ بطاقة ائتمان واستخدمت ما يصل إلى 50000 درهم على مدار السنوات الثلاث الماضية. كنت أدفع شهريًا الحد الأدنى للقسط.
لكن تم تأجيل راتبي منذ الخمسة أشهر الماضية، لذا لم أدفع الأقساط.
يرجى تقديم المشورة بشأن الإجراء الذي يمكن للبنك اتخاذه وماذا أفعل؟
مع الشكر،

2019/04/08
1021
كيفية التعامل مع قضية رفعها البنك بسبب عدم سداد القرض
6
س: سيدى العزيز،
لم أسدد القرض وقدره 82000 درهم / بسبب فقدان عملي. يهدد البنك بإيداع شيك ضمان بقيمة 220000 درهم إماراتي.
كيف سيودع البنك الشيك بأكثر من المبلغ المستحق؟
إذا أودع البنك الشيك بقيمة 220 ألف درهم فما هي الخطوات التي يجب أن أفعلها؟
الرجاء التوضيح
شكرًا لك،
مع التحية
سيشاد

2019/02/28
4601
كيفية التسوية مع البنك بعد صدور الحكم الغيابي؟

2
س: سيدي العزيز / سيدتي العزيزة،
علي قرض بنكي شخصي من أحد البنوك في دبي، وقد قمت بسداده بشكل صحيح لمدة 3 سنوات تقريبًا. بعد ذلك، أصبح دخل راتبي الآن أقل بكثير. لقد أوقفت دفع الأقساط.
رفع البنك أولاً قضية جنائية ودفعت غرامة في المحكمة. الآن رفعوا قضية مدنية وأصدرت المحكمة حكم التنفيذ. وهو حكم غيابي. الآن علي منع من السفر ومذكرة بضبطي وعلي دفع مبلغ 505000 درهم إماراتي ولكن رصيدي الفعلي (بدون فوائد) هو 220000 فقط.
كيف يمكنني التسوية مع البنك وما هو المبلغ الذي سيقبلون تسويته؟
يرجى تقديم النصيحة.
شكرًا لك.


2022/09/06
512
المدونة القانونية
1 متاح 1 • عرض الجميعالعواقب المترتبة على فقدان العمل والتخلف عن الالتزامات المالية 26
إن إدارة الشؤون المالية للفرد أمر بالغ الأهمية، ويجب الأخذ في الاعتبار جميع الأحداث أثناء التقيد بالتزام مالي. سواء كان فقدان الوظيفة هو الذي أدى إلى الإخفاق المالي أو العكس، فيجب أن يكون المرء على دراية بالمسؤولية الشخصية التي لن تتلاشى من خلال دفع الغرامات في قضايا الشيكات المرتجعة. هناك نوعان رئيسيان من المسؤوليات، وهما المسؤولية الجنائية والمسؤولية المدنية. لكل منها أهميته الخاصة، وبالتالي، يجب التعامل مع كلا النوعين تبعًا لذلك.
2019/02/12
18908
قوانين وتشريعات
3 متاح 3 • عرض الجميعFederal Law No. (3) of 1987 Promulgating the Penal Code 29
This Law promulgates the Federal Penal Code (Criminal Law) of the United Arab Emirates. Crimes and chastisement punishments shall be determined in accordance with the provisions of this Law and other penal codes.
1987/12/08
47924
Federal Law No. (18) of 1993 Issuing the Commercial Transactions Law 19
This Law applies to merchants, as well as to all acts of commerce carried out in the UAE by any person even though he be not a trader. Commercial matters regarding which specific Federal laws are issued shall be subject to the provisions of such laws, and to the provisions hereof which do not contradict with said laws.
1993/09/07
33031
Federal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates 96
The provisions of this law, promulgating UAE Civil Code, govern the civil transactions in the United Arab Emirates. The commercial transactions remain subject to the laws and regulations applicable in their regard.
1985/12/15
148442

متميز
إجابة أخرى من
1601 1601 إجابات •
عرض الجميعWhat is the legal process of acquiring 50% ownership stake in a local company in Dubai? 0
A local company in Dubai intends to acquire a 50% ownership stake in an auto repair business currently owned by an individual (100%).
We are seeking professional legal advisory services to guide us through the acquisition process.
2025/04/11
81
Can I file for mutual divorce from Dubai as an Indian resident and my husband works in Saudi? 0
Needed to know if I am eligible to file for mutual divorce as an Indian expat living in Dubai and holding an Indian passport and also have Canadian PR.
My husband is a Canadian citizen working in Saudi on a work visa.
What are my rights?
Can I ask for alimony?
Can I file for divorce from Dubai?
I have no children from the marriage.
2025/03/21
91
What are my options after my rental renewal offer and deposit was rejected by the owner? 0
Hello,
I submitted an offer and deposit through the trustee office, but the owner rejected it. What is the next step?
They sent an email notification stating that if not renewed within the contract's end time, 500 AED will be deducted for each additional day of stay.
2025/03/20
62
How can I cancel my visa and POA for financial matters if I have a travel ban for company bounced cheque? 0
I am seeking urgent guidance regarding my current visa status in the UAE. I was previously employed by a company that has now shut down, but my visa is still under that company.
During my tenure, I held Power of Attorney (POA) for all financial matters. However, after a cheque issued by the company bounced, the owner revoked my POA without my knowledge.
The company officially closed last year, and the owner (a lady) has been missing since the case emerged.
No one from the company is responding, and I am currently stuck in Dubai due to a travel ban imposed on me related to this case.
I need clarification on the following points:
How can I cancel my existing visa under this closed company?
Will I be able to obtain a new visa under another company despite the travel ban?
Are there any legal blocks or restrictions affecting my visa or employment options?
What legal steps can I take to resolve this situation?
I would appreciate your guidance on the next steps and any possible solutions.
2025/03/20
75
Does a cheque bounce effect my AECB score ? Is there a policy for this? 0
Does a cheque bounce affect my AECB score?
Is there a policy for this?
2025/03/20
88

متميز
إجابة أخرى من
451 451 إجابات •
عرض الجميعAre there any restrictions on a diplomat buying property in the UAE? 0
Hello,
Is there any restriction on a diplomat buying property in the UAE, where he works as a diplomat at his country's consulate?
2025/02/20
83
If someone has a case in the UAE, can they travel to another GCC country? 0
Hi.
One of my friends joined a Telegram group. They said, "We will transfer some amount to your account, and your task is to transfer this amount to another account. Once the task is completed, you will get 30 or 50 AED per task."
He completed 3 to 4 tasks, but he realized it was not good, so he stopped. After one week, when he opened his account, it was blocked, and the bank said, "We are conducting an investigation; after this, we will let you know."
After some days, he had an accident and went to his home country. He then received a call from a landline number, which was from the Abu Dhabi police station.
They said, "We have received a complaint against you; come to our investigation department." However, due to his surgery and treatment, he could not go.
After some time, his bank account was reopened, and he did not receive any further calls. I want to know, if he comes back to the UAE or goes to any other GCC country, will he face any problems?
If someone has a case in the UAE, can they travel to another GCC country?
Please advise!
2025/02/17
152
What can I do if my employer refuses to pay me and I have no contract? 0
Hello,
What legal action can I take in case the employer refuses to pay my salary and I don't have a contract with them?
2025/02/18
134
I want to open an online shop. Do I need a license to open an Etsy shop? 0
I currently live in Sharjah and have a UAE residence visa but I am not a UAE or GCC national. I want to open an online shop (Etsy or Shopify) to sell handmade items, such as crocheted goods, bookmarks, greeting cards, etc.
Do I need a license to open an Etsy shop?
If so, which license do I need to sell my products online, including UAE and worldwide?
How much would it cost me?
Can I keep my residence visa (sponsored by my father) and not change it?
2025/02/14
142
How can we locate a person with an ongoing legal case? 0
Hello,
I am seeking your legal advice regarding a friend who was previously imprisoned in Abu Dhabi. His case there is now closed, but he has another ongoing case in Dubai.
Currently, we have lost contact with him and are unsure of his whereabouts. How can we check where he is or access any other legal facility?
Are there legal procedures to locate a person with an ongoing case?
What steps should we take to get more information about his status and legal position?
2025/02/11
158

متميز
إجابة أخرى من
186 186 إجابات •
عرض الجميعI secured a mortgage from the bank and the broker kept delaying until the MOU expired. What to do? 0
Hi,
I need some guidance regarding a property transaction that is not progressing as expected.
My broker initiated a manual Memorandum of Understanding (MOU) between me (the Buyer) and the Seller, with an expiry date of 01/02/2025. Within this period, I successfully arranged the bank mortgage, property evaluation, and NOC.
However, the broker started giving excuses, such as the seller being hospitalized. Later, the broker attempted to arrange a Power of Attorney (POA).
However, after that, they started ignoring my messages and calls. It now seems like they no longer intend to proceed with me, and the MOU has already expired.
Meanwhile, my bank EMI has already started, and I have paid two monthly installments. The broker is still unresponsive. I have raised multiple complaints through DLD RVS against the broker, but the response has been very slow and unsatisfactory.
I’m feeling stuck and financially burdened.
Please advise
2025/04/09
109
What can I do with the contractor I paid to build my house and disappeared before completion? 0
Hey,
I'm building my house in Dubai, and it was going well.
I gave the contractor 420k as a first payment, and we both agreed that the rest would be in installments. Just two months ago, the contractor went off the grid, and I can't find him.
All I have is a security cheque that bounced back when I went to the bank, as the signature doesn't match what's in the file.
However, I learnt that he does have money, but not the amount that's in the cheque.
What should I do now to get my money back?
I need advice.
2025/04/08
110
Transferred within the same UAE group. What happens to my benefits and allowances? 0
Hello,
I was an employee of a major group in the UAE. Now, they have transferred me to another entity within the same group in the UAE.
What happens to the benefits and allowances agreed upon by the first entity?
Please provide the legal details related to this matter, along with the relevant statutory provisions.
2025/03/07
80
How to recover unpaid fees from a client who refuses to pay for online consulting services? 0
Hello,
A client of mine used our consulting services online and is refusing to pay. Despite multiple reminders, she still has not made the payment. What legal action can I take against her?
2025/03/07
91
Juvenile case withdrawn, but the prosecution refuses to drop it. What happens next? 0
Hello,
A juvenile case has been withdrawn by a third party, but the prosecution doesn’t want to end it.
The child is out on bail. Now the case has moved to court.
What steps should be taken next, or how will they handle it?
2025/02/26
62
احصل على عروض أسعار من محامين
ابحث عن المحامي المناسب لاحتياجاتك القانونية.
أرسل طلبك واحصل على عدة
عروض تنافسية من
محامين مؤهلين.
أسئلة شائعة
عرض الجميع هل تبحث عن شيء آخر؟
اطلب استشارة من محامٍ