أسئلة وأجوبة
أسئلة وأجوبة
4 متاح 4 • عرض الجميعالبحث عن حل لتحسين التصنيف الائتماني والحصول على قرض
0
س: مرحبًا،
أرغب في الحصول على قرض شخصي. تبلغ قيمة الرصيد المستحق علي 67000 درهم.
لقد تقدمت بطلب لعدة بنوك لكنهم رفضوا طلبي وأخبروني أن التصنيف الائتماني الخاص بي منخفض للغاية خلال الستة أشهر الماضية. أنا أدفع بانتظام لكن درجة التصنيف الائتماني كما هي حتى الآن. أرغب في دفع قسط شهري ثابت.
أرجوك أخبرني ماذا أفعل؟
تبلغ قيمة بطاقة الائتمان الأولى: 46000 درهم (دفعة شهرية قدرها 1400 درهم). وبطاقة الائتمان الثانية: 19000 درهم (دفعة شهرية قدرها 2,300 درهم). وبطاقة الائتمان الثالثة: 12000 درهم (دفعة شهرية قدرها 900 درهم). إجمالي الرصيد المستحق: 67000 درهم.

2019/05/27
326
هل يسقط القرض بعد مرور سبع سنوات؟

1
س: تحياتي،
أود أن أطلب المشورة القانونية.
أخذت قرضًا في عام 2015 لمدة 4 سنوات، ولكن خلال تلك الفترة، اتصلت بالبنك لإجراء إعادة هيكلة. وأدفع باستمرار حتى هذا التاريخ.
العام المقبل سيكون العام الثامن. هل يوجد قانون ينص على أنه بعد مرور 7 سنوات، لا حاجة لسداد المبلغ المتبقي؟
هل ما زلت ملزمًا بغرامة؟
هل لن يظهر قرضي البنكي في مكتب الائتمان؟
هل يمكنني الحصول على قرض مرة أخرى بعد 7 سنوات؟
شكرًا لك.


2022/12/04
340
Negotiating with the bank for defaulting on credit card payments
0
Q: Hie Rajasree,
I have had a few credit cards from 2015 to 2016 in Dubai (UAE) and after that, I lost my job.
I survived on cards so that I could find a new job and repay back, but was unable to do so. Currently, I have a total debt of AED 80 to 90k in 5 different cards.
I just want to know, if I want to settle the dues, how much amount can I ask for the waiver from the finance companies?
And as per your experience how much % the bank give a waiver?

2019/01/23
735
Does a cheque bounce effect my AECB score ? Is there a policy for this?




0
Q: Does a cheque bounce affect my AECB score?
Is there a policy for this?





2025/03/20
162
المدونة القانونية
2 متاح 2 • عرض الجميعالعواقب المترتبة على فقدان العمل والتخلف عن الالتزامات المالية 26
إن إدارة الشؤون المالية للفرد أمر بالغ الأهمية، ويجب الأخذ في الاعتبار جميع الأحداث أثناء التقيد بالتزام مالي. سواء كان فقدان الوظيفة هو الذي أدى إلى الإخفاق المالي أو العكس، فيجب أن يكون المرء على دراية بالمسؤولية الشخصية التي لن تتلاشى من خلال دفع الغرامات في قضايا الشيكات المرتجعة. هناك نوعان رئيسيان من المسؤوليات، وهما المسؤولية الجنائية والمسؤولية المدنية. لكل منها أهميته الخاصة، وبالتالي، يجب التعامل مع كلا النوعين تبعًا لذلك.
2019/02/12
18988
التخلف عن سداد الشيكات المرتجعة في القروض وغيرها من المعاملات 8
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.
2020/01/15
7144
قوانين وتشريعات
1 متاح 1 • عرض الجميعFederal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates 96
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.
1985/12/15
148632

متميز
إجابة أخرى من
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عرض الجميعAfter acquittals by the first instance and appeals courts, can the case still go to the Court of Cassation? 0
Hello,
This is regarding an enquiry about a case where we were acquitted by the first instance court, that is, the trial court.
The prosecution appealed the judgment, and we also received an acquittal verdict from the misdemeanour appeal court.
I know there are still 30 days, but what are the chances it can be appealed to the Court of Cassation?
2025/05/22
31
What to do if our landlord keeps ignoring maintenance requests despite a clear contract? 0
Dear All,
We have a question related to private rental law in Dubai. We have been living in the same house (rented) for the last four years.
During those years, we have had to battle our landlord for maintenance at large. Our contract states that ALL maintenance is on his account (no deductible).
We have a lot of small maintenance issues, such as kitchen cabinets that are coming loose, a sewage smell in the house, and a toilet upstairs that still doesn't work after four years (despite attempted maintenance).
How can we deal with him and get him to honor the contract and resolve all of our issues so we can use the house properly? What legal steps can we take?
We have informed him plenty of times over the four years about the problems, but he seems to "ghost" us and does not reply very often.
We have issued him a warning to get things fixed by the end of this month (via WhatsApp), but he doesn't seem to mind.
Hope you can help with advice and maybe RERA down the line.
2025/05/22
16
Can a friend be held liable for sharing my private medical information without my consent? 0
Hello,
I have found out that a friend divulged sensitive and private medical information to others without my consent.
Is this against the law?
2025/05/22
12
After evicting a tenant for renovation, can the landlord rent the property to another tenant? 0
Hello,
If the tenant is evicted due to renovation, once the renovation is done, can the landlord rent the property to a new tenant, or does the landlord have to wait for 2 years?
2025/05/22
16
Is it possible to get out of jail on the same day the case is withdrawn? 0
Hello,
My husband is in jail and the case is still under investigation, but the complainant wants to settle and withdraw the case.
Is it possible for my husband to get out of jail on the same day the case is withdrawn?
2025/05/22
19

إجابة أخرى من
لا توجد إجابات
عرض الجميعI purchased a rented apartment in Abu Dhabi. Can I evict the tenant immediately if there is no Tawtheeq contact? 0
I recently purchased a rented apartment in Abu Dhabi and agreed to honor the existing lease. After the transfer, I discovered that the lease is not a Tawtheeq contract, meaning it is not officially registered.
Since I am not receiving rent (as it was a non-refundable arrangement with the seller), I prefer not to issue a new Tawtheeq. I also want to avoid a formal notice to vacate to prevent disputes, as I plan to move in.
However, I have already informed the tenant that I will not be renewing the lease. I need legal advice on the implications of proceeding without a Tawtheeq contract.
What are my risks, especially if the tenant refuses to move out?
What legal actions, if any, can the tenant take in this situation?
2025/03/25
102
What to do if you get terminated and denied gratuity for a minor mistake? 0
My brother has been working for a company for 11 years. In the last 3 weeks, he had an incident/accident and scratched a plane since he only had 1 person to assist him as the company was not hiring enough people.
Senior staff like him are working more to train inexperienced new hires which adds to their workload working almost 12 hours/day including travel to DWC.
The pilot said it was aesthetic and could be painted over but a police investigation ensued. Last week 3 managers and HR talked him down as the investigation concluded.
He was terminated immediately with only this month's pay and his 11-year gratuity will not be given by the company. It was not gross negligence or malicious intent, he just didn’t have enough people to help him.
He owned up to the mistake and reported the incident within 24 hours. Can he fight for the gratuity?
2025/01/13
135
How can a person under a deportation grant a POA to a trusted person for managing his assets? 1
A person currently under a deportation order wishes to appoint a trusted person with Power of Attorney (POA) to manage their financial and legal matters, including access to their bank account and other obligations.
What is the process for obtaining and registering a POA in this situation?
Can it be done while they are still in custody, and what steps should they follow to ensure?
Please help.
2025/01/14
137
Will the court unfreeze my account automatically after alimony payment? 1
Dear Sir/Madam,
The Dubai Court has frozen my bank account because I was late on an alimony payment. The money was automatically deducted from my salary this month.
Will the court automatically unfreeze the account once this is done, or will I need to petition the court to issue an order to unfreeze it?
2025/01/07
133
What is the process of renewing the visa while a criminal case is still ongoing? 0
What is the process of renewing the visa while a criminal case is still ongoing?
I got first instance court judgment in my favor and was declared innocent, however, the prosecution filed the appeal.
My residence visa is due for renewal next week. Can I process my renewal or it is blocked till the time this case is over?
2025/01/10
373

إجابة أخرى من
لا توجد إجابات
عرض الجميعIs there hope for bail in a 25-year sentence for a minor drug charge? 1
Dear Lawyers,
My brother was sentenced to 25 years in jail for a minor drug case (1 gram) on October 24, 2024. Can he get bail?
What will happen next, and what can I do to help him get released?
Kindly advise!
2024/11/12
219
How can I inform authorities I signed a police statement I didn't understand? 1
Good Day,
As someone unfamiliar with local laws and a non-Arabic speaker, the police took my statement but did not provide a translation and told me to sign. I have no idea what they wrote or presented in the case.
The case is now with the Public Prosecution. What should I do to ensure the authorities are aware of this?
2024/09/05
125
Can I bail my husband out if I'm a visitor and provide my passport? 1
Dear Lawyers,
My husband is under investigation, and I want to get him bailed out from detention.
However, I am a visitor. Can I get him bail by providing my passport?
2024/08/29
149
How can I file for divorce in the UAE as an Indian Christian with a son, and ensure custody? 1
Hi, good morning,
I’m an Indian residing in the UAE and want to apply for a divorce. My husband and I have been living separately for more than 3 years, and he has been living in India since our separation.
We are both Indians and Christians (non-Muslims). We have a son who is 8 years old now. Can you please let me know the divorce procedure if we want to proceed in the UAE, both with and without mutual consent?
Additionally, please advise on how to proceed with custody, as my son currently resides with me.
Thank you!
2024/08/28
188
How can I handle bounced cheque liability with my closed LLC company? 1
Dear Experts,
I had an LLC company in Dubai, and one of my suppliers filed a case against my company due to a bounced cheque. The cheque was signed by the former finance manager (who had POA just to sign the cheques).
Now, this supplier has made the employee a party in the case alongside the company and imposed a travel ban on the signatory (finance manager). My company has been closed for the past year.
I need your expert advice on this matter. First, I want to secure the release of my former employee, and then I need to know how to protect myself from this liability, as the company is closed and I do not have the funds to settle the liability.
Please Advise!
2024/08/13
202

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعWhat to do if our landlord keeps ignoring maintenance requests despite a clear contract? 0
Dear All,
We have a question related to private rental law in Dubai. We have been living in the same house (rented) for the last four years.
During those years, we have had to battle our landlord for maintenance at large. Our contract states that ALL maintenance is on his account (no deductible).
We have a lot of small maintenance issues, such as kitchen cabinets that are coming loose, a sewage smell in the house, and a toilet upstairs that still doesn't work after four years (despite attempted maintenance).
How can we deal with him and get him to honor the contract and resolve all of our issues so we can use the house properly? What legal steps can we take?
We have informed him plenty of times over the four years about the problems, but he seems to "ghost" us and does not reply very often.
We have issued him a warning to get things fixed by the end of this month (via WhatsApp), but he doesn't seem to mind.
Hope you can help with advice and maybe RERA down the line.
2025/05/22
16
Can a friend be held liable for sharing my private medical information without my consent? 0
Hello,
I have found out that a friend divulged sensitive and private medical information to others without my consent.
Is this against the law?
2025/05/22
12
After evicting a tenant for renovation, can the landlord rent the property to another tenant? 0
Hello,
If the tenant is evicted due to renovation, once the renovation is done, can the landlord rent the property to a new tenant, or does the landlord have to wait for 2 years?
2025/05/22
16
Can I travel outside the UAE if I have a complaint for breach of trust by embezzlement? 0
Hello,
I have a complaint registered against me. The crime description is "breach of trust by embezzlement."
Can I travel outside the UAE? I don't have any travel ban against me.
2025/05/22
15
After evicting the tenant for personal use and gifting the property to my son, can he rent it out? 0
Hello,
I had evicted the tenant by giving 1-year notice with the reason being for personal use.
After 1 year, the tenant vacated the apartment. I gifted this property to my son, who is 18 years old.
Can my son rent out this property?
2025/05/21
13

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعIs it possible to get out of jail on the same day the case is withdrawn? 0
Hello,
My husband is in jail and the case is still under investigation, but the complainant wants to settle and withdraw the case.
Is it possible for my husband to get out of jail on the same day the case is withdrawn?
2025/05/22
19
Can my landlord evict me if he is selling the property to someone else? 0
Hello,
Can my landlord evict me if he is selling the property to someone else?
I am currently running a restaurant from the location.
2025/05/14
25
Can I appeal a deportation in the UAE if I was unknowingly involved in a crypto scam? 0
Hello,
Please, I need help. I had a case where someone sent money to my account. I was selling USDT, but another person used me, scammed the person, and sent money to my account.
I sent the USDT. I didn't know the person who sent the money to my account, so I gave him the USDT. Later, I was arrested for scam and using cryptocurrency without a license.
The judgment came out: to pay 900 AED, 1 month imprisonment, and deportation. Please, can I appeal not to be deported?
2025/05/20
35
Where can I view a copy of a judgment issued by the Sharjah Court? 0
Hello,
Where can I view a copy of a judgment issued by the Sharjah Court?
2025/05/13
25
Can I ask the execution court to request MOHRE to seize the labour card of a debtor? 0
Hello,
Seizure of MOHRE Labour Card by Dubai Execution Court
I am an execution requester. My execution debtor has not paid me for the last 12 years after starting the execution file.
Can I request the execution court to write a letter to MOHRE, obliging them to seize the labour card of the debtor?
If yes, from when was this procedure permitted?
2025/05/21
26

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعWhat is the responsibility of the employee in case of leaving before the end of the notice period? 0
What is the responsibility of the employee?
The employment contract is set to conclude on 31st May 2025. The employee initiated discussions regarding a salary increment approximately 30 days prior, during which the management engaged in meetings with the employee but ultimately decided to maintain the current salary.
The employee subsequently chose not to renew or continue the employment, this decision having been finalized in a meeting held on 20th May 2025.
How does the notice period apply in this context?
Specifically:
1) Would the grace period (30 days after the contract/visa ends) be considered as fulfilling the notice period requirement?
2) Is the employee entitled to request a different salary during this grace or notice period?
2025/05/21
22
What can I do if the employer refuses to compensation and settlement after terminating me without notice? 0
I work for a Meydan Freezone employer under a limited contract. The employer has terminated my contract without notice after 1 year and is not offering to pay 3 months' compensation severance, nor a notice period, nor a correct settlement.
They are asking me to sign a contract to waive it. I contacted MOHRE, who stated you need a NOC or referral letter from Meydan, but Meydan stated they do not issue one, and private matters and disputes are between you and the employer.
2025/05/21
17
How many days does it take to be deported from the UAE? 0
Hello,
Sir, how many days will it take for an Indian to be deported from the UAE?
2025/05/21
37
What can I do if I missed the hearing and a judgment was made in my absence? 0
Hello,
What can I do if I was absent from the hearing because of improper information and they gave judgment in my absence?
2025/05/21
21
Can I ask the execution court to request MOHRE to seize the labour card of a debtor? 0
Hello,
Seizure of MOHRE Labour Card by Dubai Execution Court
I am an execution requester. My execution debtor has not paid me for the last 12 years after starting the execution file.
Can I request the execution court to write a letter to MOHRE, obliging them to seize the labour card of the debtor?
If yes, from when was this procedure permitted?
2025/05/21
26

متميز
إجابة أخرى من
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عرض الجميعCan the employer report absconding if an employee went to their home country and failed to return? 2
Can the employer report absconding if an employee goes to their home country on leave but does not come back to UAE?
2024/12/07
285
Can I sue my landlord if he cuts off DEWA and forces me to leave before my non-Ejari contract ends? 2
Dear Lawyers,
I rented a studio on a monthly basis, and my rent included all utilities and bills, with a contract that isn’t Ejari.
Now, the landlord has cut off the DEWA and is asking me to vacate the unit and take the rest of my rent three months before the contract expires.
Is there any legal action I can take against him?
2024/11/15
108
Does a tenancy contract supersede the laws of the Real Estate Regulatory Agency (RERA)? 3
Dear Lawyers,
Dubai Tenancy Question
Addendum:
1. In case of not renewing the contract, the tenant shall inform the landlord 3 months prior. If the tenant fails to do so, they shall bear a penalty of 2 months' rent for not notifying the landlord.
2. Failure to execute the renewal (at the sole discretion of the landlord) shall result in the automatic termination of this agreement.
3. The landlord unequivocally objects to the tenant's continued occupation of the premises after the expiry of this agreement. An overstay fee shall apply from the day following the expiry of the term. The tenant’s continued occupation shall not result in the automatic renewal of this agreement.
Questions:
A. Does this addendum supersede the laws of the Real Estate Regulatory Agency (RERA)?
B. Does the contract automatically renew, or is it considered terminated as per the conditions of the addendum?
C. How much should be paid to the landlord if the tenant vacates a week after the expiry of the contract?
2024/11/14
211
Can a husband renew only his 6-year-old child's visa and refuse to renew his wife's visa? 1
Dear Lawyers,
Can a husband renew only his 6-year-old child's visa and refuse to renew his wife's visa?
What happens in that case?
2024/10/14
81
Who receives the security deposit during the property sale, the tenant or the new owner? 2
Dear Lawyers,
During the sale of the property, to whom is the security deposit returned? The tenant or the new owner?
2024/10/09
145
احصل على عروض أسعار من محامين
ابحث عن المحامي المناسب لاحتياجاتك القانونية.
أرسل طلبك واحصل على عدة
عروض تنافسية من
محامين مؤهلين.
أسئلة شائعة
عرض الجميع هل تبحث عن شيء آخر؟
اطلب استشارة من محامٍ