س: لدي حاليًا قضية مدنية، وصدر حكم غيابي ضدي حيث قضت المحكمة بدفع المبلغ كاملاً. مع صدور القوانين الجديدة بشأن الشيكات المرتجعة، دفعت الغرامة لهذه القضية ولكن القضية المدنية والحكم قد صدر بالفعل. يبلغ إجمالي مبلغ القرض والبطاقة الائتمانية 324000 درهم إماراتي. أرغب في معرفة كيف يمكنني إزالة الحكم وإيجاد طريقة للمضي قدمًا في إغلاق القضية المدنية حيث يوجد منع من السفر ولا يمكنني الحصول على عمل.

Q: Hi, My husband had a car loan in let's say 2008. He lost his job and couldn't pay it which lead to a criminal case. He paid bail and got out of the country. Of course, the civil case followed. The case is still active. What would happen if he would return to UAE? What will be the procedure at the airport? Is there an option for him not to be jailed? The intention is to pay it back and get a job in the UAE. Can the fees be reduced? What about the 15 years that the civil case should expire after that?

Q: I have a civil case of AED 330,000/ with a bank for 5 years, and I am outside the country. Is there any chance that I can enter the UAE without facing jail terms? Also, I would like to know, for how many years does the civil case remain?

Q: Dear Sir/Madam, I lost my job in 2018, and in 2019, the bank opened a criminal case against me for defaulting on my loan. I attended the hearing with a judge and was told to pay a fine of AED 7,000, which I did. The bank was then taken over by another bank in 2020/2021. In late 2022, the new bank that took over is calling me to clear my loan, but I never signed anything with them, and my case was before the takeover. Am I still entitled to pay the new bank?

Q: In 2010, I was permanently banned from the UAE. At that time, I had a credit card from a bank with a limit of AED 5,000. Due to harsh circumstances, I was unable to inform the bank before being deported by the authorities. I did inform the bank afterward but, due to inflation and my financial situation, I was unable to repay the debt. It has now been 14 years, and the bank is still pursuing me for the outstanding credit card balance, including the accrued interest, which now amounts to approximately AED 143,000. I would like to inquire if I am still liable to pay this amount after all these years, including the interest. I have heard that banks typically do not follow up on such small amounts (AED 5,000) for an extended period. Could you please provide assistance and clarification on this matter?

Q: I've been detained and released after 4 days in Abu Dhabi police station for a bank loan which I haven't paid for almost 20 years. I don't have any work and I have some health issues as well. They said I have a clearance already. Does it mean that the case that the bank has filed against me is cleared?

Q: Dear Lawyers, Can a UAE bank take legal action on a personal loan default that is over 15 years old? They haven’t taken any legal action so far, so I thought there was no default. But after more than 15 years, a collection agency is now contacting me for payment.

في الإمارات العربية المتحدة، تعد الشيكات المرتجعة مشكلة متكررة جدًا يواجهها الأشخاص خلال فترة وجودهم في الدولة وتخضع لأحكام قانون المعاملات التجارية. يمكن أن تكون الآثار والعقوبات القانونية شديدة من الناحية المادية ومرهقة بالنسبة لجرائم الشيك "الأكثر خطورة". قد تنشأ قضايا الشيكات المرتجعة في مجموعة متنوعة من المعاملات التجارية، بما في ذلك على سبيل المثال لا الحصر، التبادل التجاري بين الشركات، والقروض المصرفية، وإيجارات العقارات وشراؤها، وبالطبع المعاملات الفردية.

مقال في صورة مقابلة يغطي موضوع القروض والشيكات المرتجعة في دولة الإمارات العربية المتحدة. مقتبس من المدونة الصوتية القانونية للمحامية لودميلا يامالوفا، مؤسسة مشروع لوجيكال مع لايلو.

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.

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 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.