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Facing full settlement demand for unpaid bank loan: Can I contest?

Dear Sir/Madam,

I have a cheque bounce civil case in Dubai due to an unpaid loan from a bank. This same bank had filed a case two years ago, but the case was removed due to a new rule.

Now, they have filed a new case with a travel ban as well. I am required to pay the entire amount of 100,000 AED in one shot or installments to the bank to settle the case as per the court.

Can I file an objection or contest this judgment? If so, what will be the most likely outcome?

متميز
مكتب مريم حياز ووجدان بوشهاب للمحاماة
دردشة توظيف
اجتماع
22 Jan 2024, 20:16

Dear Questioner,

Based on the information provided, two years ago, the criminal case related to the bounced cheque was closed due to changes in the law.

Now, the bank has filed a civil claim case, asserting its right to claim the amount owed. You cannot object to repaying the bank; however, you can object only if the amount differs from what you owe.

For instance, if you paid an amount higher than the actual loan balance, you may provide proof of payment and request the judge to reduce the sum.

Thank you!

23 Jan 2024, 04:11

Thank you for the advise!

My initial loan amount was 100,000 AED and I paid EMI for nearly 1 year.

Later during the COVID period, I lost my job, went back to India, and now I have returned.

However, I am not in a strong financial position to pay this amount currently. Any advice on whether filing an objection would be beneficial for me?

24 Jan 2024, 01:54

You need to submit proof of payment for the year, along with your salary certificate.

Request the court to reduce the sum and provide you with the minimum monthly payment and maximum time.

If your family is with you in the UAE, and you are the provider, you can mention that as well.

ليلى حمزة الملا محامون ومستشارون قانونيون
دردشة
توظيف
اجتماع
23 Jan 2024, 04:27

Dear Questioner,

There are possibilities to remove the travel and file an objection in this case.

The recent amendment in the law states that the cheque bounce case will be filed as a civil case, which is why this travel ban has been imposed on you.

As it's a past liability, we can reduce the amount to some extent and, along with that, make a request for easy payment options.

We have to prepare a strong defense to minimize this liability. It would be better if you hire a lawyer for the same.

Share your WhatsApp number if you want to proceed with us.

23 Jan 2024, 04:53

Thank you for your advise!

You can WhatsApp or call me on this for discussion.

متميز
كي إتش إي للاستشارات القانونية
دردشة توظيف
اجتماع
23 Jan 2024, 04:51

Dear Questioner,

As per new law, a cheque bounce case is considered a civil case.

If it is a guarantee cheque, you can file an objection and the decision will be the descretion of the court.

It is possible to negotiate with the opposite party for an amicable settlement.

23 Jan 2024, 04:55

The bank is not negotiating the amount, and to pay full amount, it’s very difficult for me.

If I hire a lawyer and file an objection, will it be beneficial for me?

Please advise.

Thanks!

23 Jan 2024, 04:57

Please share your WhatsApp number for further discussion.

23 Jan 2024, 19:54

Sure (........................).

24 Jan 2024, 04:17

Our team will contact you shortly.

متميز
أحمد حرب للاستشارات القانونية
دردشة توظيف
اجتماع
23 Jan 2024, 05:37

Hello,

I can anticipate that the two previous cases you mentioned were criminal complaints with the police, and now the bank is pursuing direct cheque executin before the court.

You can object by filing a substantive dispute in cheque execution.

As for your options and opportunities, we cannot determine them definitively without reviewing your documents and understanding the details of the case.

Please contact us via email.

MK

متميز
دار الحقوق للاستشارات القانونية
دردشة توظيف
اجتماع
23 Jan 2024, 06:07

Dear Client,

Thanks for your question! I hope you are doing well. I will assist you in this matter.

If you have a cheque bounce civil case in Dubai, you can contest the judgment or file an objection. Consult with us for guidance.

The outcome of the objection will depend on the strength of your case and legal arguments. Negotiating a settlement with the bank is also an option.

For any further legal assistance, you can WhatsApp us. We have an extensive team of knowledgeable and experienced lawyers to provide the legal assistance you need.

We will be happy to help you.

Thanks & Regards,

ABDUL WAHIED

24 Jan 2024, 10:01

Please share your contact details.

24 Jan 2024, 10:15

You can reach us via WhatsApp or email.

Note: Please contact during us office hours only.

Timings for office: 10:00 AM - 6:00 PM (Monday to Saturday).

متميز
ناصر يوسف الخميس للمحاماة والاستشارات القانونية
دردشة
توظيف
اجتماع
23 Jan 2024, 06:24

Dear Questioner,

You can file a substantial dispute case in cheque execution or request the payments in installments.

Please contact us for detailed discussion and assistance.

ليلى حمزة الملا محامون ومستشارون قانونيون
دردشة
توظيف
اجتماع
23 Jan 2024, 06:29

Dear Questioner,

We can file an objection on behalf of you and settle the matter by opting for a fair payment plan and also clear the travel ban over you.

If you need our assistance in your matter, please share your Whatsapp number.

23 Jan 2024, 20:04

Hello Arya,

Please contact me on my number (................).

24 Jan 2024, 07:05

Will contact you shortly.

سكلز للاستشارات القانونية
دردشة
توظيف
اجتماع
23 Jan 2024, 06:44

If the ruling is in absentia, we can appeal the ruling. So please send all the rulings so that we can provide accurate legal advice.

Please contact us.

24 Jan 2024, 10:10

Sure, I will contact you.

Thanks!

متميز
أميري محامون ومستشارون قانونيون
دردشة توظيف
اجتماع
23 Jan 2024, 08:25

You have the right to object, but if the bank's claim is correct, the objection only gives you some time.

متميز
عبد العزيز الزعابي للمحاماة والاستشارات القانونية
دردشة
توظيف
اجتماع
23 Jan 2024, 13:05

Dear Questioner,

Yes, you can file an objection if the judgment happened without your knowledge or in your absence.

All you have to do now is initiate prosecution, and we will undertake the suitable procedures to review and study the case, preparing a report with all the relevant details.

Our fees will be 2000 AED.

Kindly contact us for further assistance.

متميز
ميدل إيست ليجل كونسولتانتس
دردشة توظيف
اجتماع
23 Jan 2024, 16:26

Hi questioner

You can file a dispute if the bank filed the case as an execution and file an appeal if this case was a performance order.

For more information, you can contact us.

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