س: سيدي العزيز / سيدتي العزيزة، لقد تعرضت للسرقة مؤخرًا في دبي. لقد اعتدى اللصوص علي. قيدوا يداي ورجلاي وضربوني. لقد أوقفوا أنفاسي وطلبوا الرموز السرية لبطاقات الخصم / الائتمان الخاصة بي وأخذوا تفاصيل البطاقة بالقوة وسحبوا النقود من بطاقات الخصم والائتمان الخاصة بي. وبعد سحب المبلغ النقدي/المعاملة، تركوني على قيد الحياة وأطلقوا سراحي وهربوا. اتصلت على الفور بمركز الاتصال الخاص بالبطاقات وقمت بحظر جميع بطاقات الائتمان/الخصم وقمت بزيارة مركز الشرطة وسجلت شكوى ضد المجرمين. ألقت شرطة دبي القبض على أحد المجرمين (من أصل 6). والقضية الآن أمام محكمة الجنايات. نظرًا لأنني كنت أحمل بطاقات ائتمان من بنوك مختلفة، استخدم اللصوص الحدود النقدية لجميع بطاقات الائتمان. الآن البنوك تلاحقني لسداد المبالغ المسحوبة. من فضلك أعطني فكرة عامة، ماذا علي أن أفعل؟ هل أحتاج إلى رفع قضية مدنية؟ علاوة على ذلك، ليس لدي أموال لأدفعها للبنك ولا أستطيع أبدًا أن أدفع للبنوك نظرًا لأنني لم آخذ تلك الأموال. يرجى تقديم النصيحة.

Q: Hi, I am in a dispute with someone who has stolen money on a pretence of offering a PRO service. The invoice and crime committed all originate in Dubai. I have told the assailant he needs to pay or I will raise a case against him and he moved to RAK recently where I found out where he lived and told him now I can make a court case. There are 20 other people I know he owes money to also. He reported me to RAK police for harassment and threats even though my only threats were to do a combined court case with 25 other people against him and I told him Dubai police or CID will come for him if I report him. I went to Dubai police station who told me that the whole issue is a Dubai issue and not to worry. What do I do? My number has changed from the one these crooks have so I don't know if RAK police called or not.

Q: Dear sir,One of my friend promised me to get a job in Dubai and demanded for money and my degree. After arrangement of money I agree to pay 80K and sent my degree through courier.I paid 20000 directly in his Indian IDBI bank account and rest of 60000 by cheque in his same account in the month of march 2016. I have all whatsapp chat conversation and voice message from his Dubai no.Now he has shown his actual face and I came to know that I was traped.Is there any way to recover my amount from them?Thanks and regardMohammed jahangir

Q: Dear Sir/Madam, I need some advice. I had a credit card that I cleared when I learned about the acquisition of the bank by another one. After settling all my dues, I kept the card at home and stopped using it. However, I experienced a fraudulent transaction on my card, amounting to close to 32,000 AED. When I received a message from the bank with an OTP, knowing that I did not initiate the transaction, I immediately called the bank to block the card. They asked me to file a dispute, which I did, and they assured me that the transaction would be stopped since the card was blocked. Unfortunately, two days later, on October 19, 2020, the money was deducted from my account. After the acquisition, the bank advised me to fill out the dispute forms again and file a police report, which I did. I have kept all records from day one until now, which has been almost 2.5 years. However, the bank is now sending me an email about imposing a travel ban and a civil case.

Q: Good day, I'm using a credit card with one of the banks in the UAE. I received an SMS stating that my card was added to Apple Pay, followed by a debit transaction of AED 15,000, then two OTPs, and finally seven debit transactions. By the time I blocked the card, a total of eight transactions had occurred, amounting to more than AED 90,000. I immediately called the bank after blocking the card and reported all the fraudulent transactions. I also sent Dispute Forms the same day. The next week, the bank sent me an email rejecting all dispute transactions, stating that they were done in a secure environment with Apple Wallet, etc., and were tokenized transactions. Now they are asking me to pay all outstanding amounts. I did not authorize these transactions, never entered any OTP anywhere, and informed the bank within less than one hour of these fraudulent transactions. How can I resolve this situation? Do I have a chance of winning if I file a civil case?

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.

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.