Q: It's a query regarding the fraudulent transactions on my credit card last March 31, 2017. I was having my annual leave in Manila, Philippines (March 10, 2017- March 30, 2017) and Japan (March 30, 2017- April 9, 2017), which I have all the boarding passes and copies of passport pages as a proof. The last time I used my credit card was in NAIA airport, the Philippines, to pay my travel tax for travelling to Japan and this proves that my credit card is in my possession while I was in Japan. But then on March 31, 2017, I received an SMS from Emirates NBD bank that my card has been used for Aramex (AED 174.01), Souq.com (AED 5,581.00) and Sharaf DG (AED 3,717.00) transactions for the total amount of AED 9472.01. I immediately called the bank and asked them to block my credit card on that same day. As soon as I was back in Dubai (April 9, 2017), I called the bank and filed a complaint. I also filed a police case which I also sent to the bank but still, they didn't honour everything and threatening me every time.

Q: I gave my credit card to the waiter to pay the bill in the restaurant, after that I also added some tips by hand to the same receipt. When I left the restaurant, I received a message from the bank that I have been billed for triple of the amount of the initial bill. What should I do? Should I go back to my bank and ask them to investigate, or should I contact the management of this restaurant?

س: مرحبًا، عملت في دبي لثلاثة أو أربعة أشهر عام 2013، ثم تركت وظيفتي وعدت إلى الهند. كان حسابي البنكي لا يزال مفتوحًا حينها، وبدأ أحد زملائي يستخدم بطاقتي الائتمانية دون علمي بعد مغادرتي. كذلك قام هذا الزميل بإضافة اسمه إلى الحساب وأجرى بعض المعاملات المالية. كنت أتلقى رسائل من البنك عبر البريد الإلكتروني، لكنني ظننت أنها رسائل طفيلية أو ترويجية ولم أعرها اهتمامًا. لكن حدث أن تحققت من إحدى تلك الرسائل مؤخرًا فاكتشفت أن هناك من يستخدم بطاقتي بمبلغ كبير يصل إلى 12.000 درهم، ثم تحققت من الرسائل السابقة فوجدت أن زميلي السابق هو من قام بتلك المعاملات. لا أعرف ماذا ينبغي أن أفعل. هذا تزوير صريح يقوم به هذا الشخص باسمي، وأحتاج لأن أفعل شيئًا حيال ذلك. أحتاج لمساعدتك. تحياتي. شكرًا.

Q: Hello I took a freelance visa from a company in Dubai to work in Dubai. That company took credit cards from banks in my name and used them which I did not know about. Please tell me what should I do.

Q: Does the debit card transaction not require any OTP authorization? What is the threshold for transactions? For high value say above AED 1000, there must be OTP, right? What do UAE government rules say? The bank is not supporting the fraudulent transaction of AED 15000 (debit card) reported and simply buying the time. I want to take legal action and would like to know what type of case can be filed and under which clause.

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.

The provisions of this Federal Decree-Law No. (31) of 2021 Promulgating the Crimes and Penalties Law, known as the "New UAE Penal Code", governs criminal actions in the United Arab Emirates. The New Penal Code repeals the previous UAE Penal Code (Federal Law No. (3) of 1987 Promulgating the Penal Code).