س: سيدي العزيز / سيدتي العزيزة، أنا مقيم في الإمارات. علي دين لأحد البنوك وتحاول وكالة التحصيل الخاصة بهم مطاردتي. أنا غير قادر على السداد بسبب مشاكلي المالية. الآن يحاولون التشهير بي في شركتي الحالية ويكذبون على صاحب العمل في رسائل البريد الإلكتروني لإذلالي وتشويه سمعتي. فهل يجوز لهم قانونًا أن يفعلوا ذلك؟

Q: I am in Abu Dhabi. Someone was disputing about the money he says I owe him. On WhatsApp, I told him if you have a problem, you can complain or report that. Then he started sending me messages saying that I was a liar and a scam. And that he will come to my residential building and tell everyone that I am a liar and scammer, and he will come to my apartment and take the money he claims it’s his. He also made a racial comment about my home country (that this is UAE and not your home country where you can scam people). He also mentioned something bad about my family. I reported this to the police with screenshots of the chat. What else can I do in this case of threatening and defaming?

س: مرحبًا، أود أن أسأل ما إذا كان بإمكان شركة التمويل رفع قضية مدنية بمبلغ أقل من 5000 درهم إماراتي. هل يحق لطرف ثالث تحصيل الأموال لشركة تمويل أخرى رغم أن الشركة مغلقة ومضايقة أي شخص حتى لو لم يكن على صاحب العمل أي مسؤولية تجاههم؟ أرجو النصيحة لأن الكثير من الناس يعانون نفسياً وذهنيًا بسبب سوء سلوكهم وأخطائهم. شكرًا لك.

Q: Dear Lawyers, I'm seeking your valuable advice as per the UAE Law for the below inquiry. One of my close friends had taken a personal loan of AED 250k in the UAE and was paying EMI amounts regularly. Later, he was terminated by his company due to some issues and returned to his home country. A debt collection agency contacts him every day and gives more threats even though he has agreed to pay back the amounts after getting a new job. It has been 1 year and until now he did not get any good job and is unable to pay back the amount. However, the debt collection agency contacts him every day at least 3 times and threatens him with a criminal case against him, and that they will send him to jail and many more things. Now the inquiry is generally, if anyone is unable to pay back the outstanding EMI loan amount due to job loss, can the debt collection agency file a case against him or an arrest warrant, etc in their home country? Can we make a case against the debt collection agency for their outrageous behavior?

Q: I have applied for a credit card with a well-known bank here in Dubai. During the verification course from the bank, they sent my salary certificate to our company's info at an email address to which half of the staff have access. I have been told by several members of my staff, that they received this email. I am the Deputy CEO of the company and obviously, this is not a light matter. I have contacted the bank and they have offered me vouchers for AED 1000 and then 2000 but I want to press charges for a serious offence and go for punitive damage. I know the latter is not a usual practice in the UAE, but I want to explore my options. I have also informed the Central Bank, but they say I must wait 30 days before proceeding.

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.

في الإمارات العربية المتحدة، تعد الشيكات المرتجعة مشكلة متكررة جدًا يواجهها الأشخاص خلال فترة وجودهم في الدولة وتخضع لأحكام قانون المعاملات التجارية. يمكن أن تكون الآثار والعقوبات القانونية شديدة من الناحية المادية ومرهقة بالنسبة لجرائم الشيك "الأكثر خطورة". قد تنشأ قضايا الشيكات المرتجعة في مجموعة متنوعة من المعاملات التجارية، بما في ذلك على سبيل المثال لا الحصر، التبادل التجاري بين الشركات، والقروض المصرفية، وإيجارات العقارات وشراؤها، وبالطبع المعاملات الفردية.

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).

The provisions of this Decree by Law amend the Federal Law No. (18) of 1993 by replacing Clause (4) of Article (379) as well as Articles (600), (617), (641), (642), (643), (644), and adding new articles numbered (635) Bis, (641) Bis (1), (641) Bis (2), (641) Bis (3), (641) Bis (4), (643) Bis (1), (643) Bis (2), (644) Bis (1) and (644) Bis (2). The Decree-Law also repeals Articles (401), (402) and (403) of the Federal Law No. (3) of 1987.