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, My bank is threatening to file a civil case and travel ban against me in Dubai for not paying an amount close to 35 thousand dirhams. This amount was charged fraudulently on my card from my previous bank. I had filed a dispute form at that time, but before any investigation could take place, a bank bought the old bank. I filed a new dispute form with the new bank, but the case has remained unresolved for almost 2 years now. In addition, I have filed a police case (I have a letter from the police), with the Central Bank of UAE and AECB. I have also been in frequent contact with the bank via emails, phone calls, and branch visits. I would like to know if the bank has the right to file a case against me or impose a travel ban, given that they have already decreased my credit rating. I would appreciate your guidance and assistance.

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/Madam, Our credit card was defrauded, and after months of investigation, the bank has said they will not cover the fraudulent transactions. What can we 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 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.