س: لقد قمت بإعارة 90000 درهم إماراتي لصديقي كمعروف له في عام 2016 لمساعدته في أعماله. اتفقنا على السداد دون إضافة فوائد. لقد أخذت عليه شيكًا شخصيًا كضمان. لم يبرم اتفاق. صديقي لا يرد المال كما اتفقنا عليه. أريد أن أبرم اتفاقية مكتوبة مع صديقي الان. يرجى تقديم المشورة بشأن اجراءات عمل هذا الموضوع في دولة الإمارات.

س: سيدي العزيز / سيدتي العزيزة، لقد أعطاني أحد الأصدقاء قرضًا شخصيًا وأعطيته شيك ضمان. بعد تسوية الحسابات، كان من المفترض أن أستعيد شيك الضمان. بدلاً من ذلك، أراد فائدة، وعندما رفضت، حدد تاريخًا على شيك الضمان الخاص بي وأودعه دون علمي. ما هو أفضل إجراء يمكن اتخاذه؟

س: مرحبًا، في نوفمبر الماضي 2021، اقترضت مبلغًا قدره 4000 درهم إماراتي من سيدة بفائدة قدرها 20% شهريًا تُدفع على 3 أشهر. إنها تهدد بالذهاب إلى الشرطة والإبلاغ عني لعدم سداد المبلغ المتبقي وقدره 3900 درهم بما في ذلك الفوائد.

Q: Dear Advisors, One of my friends borrowed AED 22,500 from me on March 2022. He said he will return the money in one month, but he didn’t. I asked many times. After 3 or 4 months he started paying gradually. On September 16, 2022, he paid a total of AED 16,500 and promised he will pay the remaining AED 4000 as 1000 every month. But he is not returning my balance amount of AED 4000. Now it's been almost 10 months he never shows up and hardly responds to the call. Every time commit to paying it off the next week or next month, but all just lies. He lives in Dubai and runs a marketing business. Every time he keeps changing the date. I have WhatsApp chatting. How can I get my money back? Please help, your prompt response will be highly appreciated. Thanks!

Q: Dear Sir/Madam, My friend asked me to give him a loan of 17,000 AED. He said he would give me interest. I was not aware at the time that interest is not allowed on private loans between individuals. For 5 years, he said he would pay me back but he hasn't fulfilled his promise. I have only asked him to simply repay me back the principal amount and that I do not need any interest at this point. He kept stalling and finally, I was fed up with it and informed him I would file a case. Now he is angry and he threatened me that he will sue me back since interest on personal loans is not allowed. It is like he knew about all this from the start and manipulated me into this. I think his plan all along was to take a loan from me, offer me interest knowing it is not allowed, and then use that excuse to not repay it. Please tell me what I can do in this situation. Will I be able to recover the amount? I live in the UAE.

Q: So my friend asked me to give him a loan of AED 17,000 and he said he would give me interest. I was not aware at the time that interest is not allowed on private loans between individuals. For 5 years he said he would pay me back but he hasn't till now. I only asked him to simply repay me the principal amount and that I don't need any interest at this point. He kept stalling and finally, I was fed up with it and informed him Ill be filing a case. Now he is angry and he threatened me by saying that he will sue me back since interest on personal loans is not allowed. It's like he knew about all this from the start and he coerced me into this. I think his plan all along was to take the loan from me, offer me interest knowing it's not allowed, and then use that excuse not to repay it. He runs several businesses and surely has an idea of corporate laws but I'm just an ignorant employee. Please tell me what I can do in this situation. Will I be able to recover the amount?

Q: Good day, One person owes me 50,000 dirhams and was supposed to return the entire amount, including the monthly investment with 5% interest. However, he has suddenly disappeared and is not returning the principal amount or the interest. I have not received any security check from him. Can I take him to court or explore other options to ban him in this country?

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.

The law promulgates UAE Civil Procedures Code (Civil Procedure Law) which governs civil procedures in the United Arab Emirates, including the prosecution before the courts, litigation and execution.

The provisions of this Decree by Law amend the Federal Law No. (18) of 1993 by replacing Clause (4) of Article (379) as well as Articles (600), (617), (641), (642), (643), (644), and adding new articles numbered (635) Bis, (641) Bis (1), (641) Bis (2), (641) Bis (3), (641) Bis (4), (643) Bis (1), (643) Bis (2), (644) Bis (1) and (644) Bis (2). The Decree-Law also repeals Articles (401), (402) and (403) of the Federal Law No. (3) of 1987.