أسئلة وأجوبة
أسئلة وأجوبة
6 متاح 6 • عرض الجميعهل 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
337
تسوية قضية قرض مصرفي للسفر خارج البلاد

4
س: مرحبًا سيداتي وسادتي الأعزاء،
لدينا قضية شرطة ومنع من السفر. هل هناك أي طريقة لإلغاء المنع من السفر حتى نتمكن من الذهاب إلى بلدنا ثم العودة بصحبة عائلتي؟
ما هي أفضل طريقة ممكنة أو حل سهل على الأقل؟
أريد أيضًا الحصول على قرض من البنك المركزي حيث إن البنك المعني يضع تصنيف ائتماني منخفض لنا للحصول على المال. نحن في وضع صعب لإجراء تسوية.
مثل هذه الأمور هو ما يجعلنا نضطر إلى الاقتراض من البنوك بفائدة عالية.
يرجى تقديم المشورة.
شكرًا.


2020/03/06
694
البحث 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
324
How can I avoid a cheque case and travel ban by the flat owner who failed to fulfill his obligations?




0
Q: Hello Ma’am/Sir
Have a good day!
What will I do if someone is blackmailing me because my cheques are with him for last year?
I gave them to him because he said he would transfer the flat under my name. I gave him money also then after 3 months, he told me the flat could not be renewed.
I can’t take the money that I gave to him, and that’s why I’m not paying his bills now. He is harassing me to pay his bills or else he will use my cheques.
Please help me with what I will do. I will travel in March 2025 but I don’t know if they will allow me to go to my country.
I hope anyone can help me with this.
Thanks





+1
2025/02/07
84
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
151
I give a cheque to someone who took cash from me then encashed my cheque. How can I get my money back

0
Q: Hi Sir,
I give a company cheque to someone. He took cash from me and then encashed my cheque.
How can I get my money back from him?
Please reply.
Regards.


2025/04/11
95
المدونة القانونية
3 متاح 3 • عرض الجميعالشيكات المرتجعة في الإمارات: كل ما تحتاج لمعرفته في 2024 292
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.
2024/10/15
223415
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
7138
القوانين والإجراءات المتعلقة بارتجاع الشيكات 7
نظرًا للنمو السريع للمعاملات المدنية والتجارية في دولة الإمارات العربية المتحدة واستبدال الأموال النقدية بأدوات مالية أخرى مثل الشيكات عند التعامل مع مبالغ مالية كبيرة، فقد نتج عن ذلك أحيانًا بعض العقبات التي تؤدي إلى عواقب جنائية ومدنية تؤثر على الشخص الذي يتخلف عن الوفاء بالالتزامات.
2020/02/24
3100
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
148616

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعCan I exit the country after being notified by ADJD of a civil claim against me? 0
I was notified by the Abu Dhabi Judicial Department that a civil claim had been filed against me. I’m ignoring it.
Can I just run away and exit the country easily?
I guess no travel ban has been imposed against me yet.
Thank you.
2025/05/19
8
My sister passed away, leaving her son. How can I transfer his visa to my name? 0
Hello,
My sister passed away and left her son. Her husband has given me power of attorney and a legal heir certificate.
How can I transfer the son's visa to my name in the UAE?
2025/05/19
11
How can I cancel my partner visa without the sponsor in Dubai? 0
Hello,
How can I cancel my partner visa without the sponsor in Dubai?
2025/05/19
1
What can I do if I cleared the travel ban at the police station but it still cannot get a clearance certificate? 0
I had a case at Al Barsha Police Station, Dubai, for one year.
On 22 April, the court announced a verdict and imposed a fine of AED 5000, which I paid on the very next day and got the certificate from DPP, which I took to the Al Barsha Police station and submitted there.
The police officer told me that they have removed the travel ban, and the records will be updated in other emirates within 24 hours.
It's been more than 48 hours now since I applied for a clearance certificate on the MOI app, and it has turned into status "review with the concerned party."
I don't have any other cases, only this case, for which I paid the penalty already.
Seeking expert advice, please.
2025/05/16
23
Why was my first UAE employment visa rejected if there’s no travel history? 0
Hi,
My employment visa was rejected without any reason stated. I contacted MOHRE, and they said it was rejected by ICP Abu Dhabi. I have never been to the UAE or any other country.
This is my first visa application. I am from Pakistan, and I heard there is a shadow ban on some cities in Pakistan.
I contacted ICP, but they said there is no ban on any nationality.
2025/05/16
18

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
98
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
132
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
133
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
128
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
353

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعCan I exit the country after being notified by ADJD of a civil claim against me? 0
I was notified by the Abu Dhabi Judicial Department that a civil claim had been filed against me. I’m ignoring it.
Can I just run away and exit the country easily?
I guess no travel ban has been imposed against me yet.
Thank you.
2025/05/19
8
What can I do if I cleared the travel ban at the police station but it still cannot get a clearance certificate? 0
I had a case at Al Barsha Police Station, Dubai, for one year.
On 22 April, the court announced a verdict and imposed a fine of AED 5000, which I paid on the very next day and got the certificate from DPP, which I took to the Al Barsha Police station and submitted there.
The police officer told me that they have removed the travel ban, and the records will be updated in other emirates within 24 hours.
It's been more than 48 hours now since I applied for a clearance certificate on the MOI app, and it has turned into status "review with the concerned party."
I don't have any other cases, only this case, for which I paid the penalty already.
Seeking expert advice, please.
2025/05/16
23
What to do if the free zone refused to cancel partner visa for myself and an employee due to license expiry? 0
I received this email response from Sharjah Publishing Free Zone when I asked to cancel the visa for myself and an employee so that we may take up work with a new company:
Dear Valued Applicant,
Greetings from Sharjah Publishing City Free Zone
We regret to inform you that we are currently unable to proceed with the visa cancellation for Mr. O*** F***** (Visa - Cancellation - ************) for the following reasons:
1. The company's trade license is suspended, necessitating coordination with the SPC team to address this issue.
2. The company has an existing violation, as B**** W**** M*** has exceeded their visa duration by 171 days. The company must either cancel the visa for the violator or renew it accordingly. Alternatively, late renewal or cancellation fines can be settled through an application on the portal.
3. The E-Channel has expired as of 01/06/2023, and it must be renewed before processing any visa cancellation.
4. The Establishment Card is approaching its expiry date
2025/05/16
16
Why was my first UAE employment visa rejected if there’s no travel history? 0
Hi,
My employment visa was rejected without any reason stated. I contacted MOHRE, and they said it was rejected by ICP Abu Dhabi. I have never been to the UAE or any other country.
This is my first visa application. I am from Pakistan, and I heard there is a shadow ban on some cities in Pakistan.
I contacted ICP, but they said there is no ban on any nationality.
2025/05/16
18
Am I allowed to travel to my home country during the probationary period? 0
Hello,
Is it okay if I travel to my home country during the probationary period?
I have 7 days pending (days off and public holidays). My manager agreed to give all 7 days together, and I am planning to go see my family.
Do I need to get approval for traveling?
2025/05/16
39

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعCan I exit the country after being notified by ADJD of a civil claim against me? 0
I was notified by the Abu Dhabi Judicial Department that a civil claim had been filed against me. I’m ignoring it.
Can I just run away and exit the country easily?
I guess no travel ban has been imposed against me yet.
Thank you.
2025/05/19
8
What can I do if I cleared the travel ban at the police station but it still cannot get a clearance certificate? 0
I had a case at Al Barsha Police Station, Dubai, for one year.
On 22 April, the court announced a verdict and imposed a fine of AED 5000, which I paid on the very next day and got the certificate from DPP, which I took to the Al Barsha Police station and submitted there.
The police officer told me that they have removed the travel ban, and the records will be updated in other emirates within 24 hours.
It's been more than 48 hours now since I applied for a clearance certificate on the MOI app, and it has turned into status "review with the concerned party."
I don't have any other cases, only this case, for which I paid the penalty already.
Seeking expert advice, please.
2025/05/16
23
Am I allowed to travel to my home country during the probationary period? 0
Hello,
Is it okay if I travel to my home country during the probationary period?
I have 7 days pending (days off and public holidays). My manager agreed to give all 7 days together, and I am planning to go see my family.
Do I need to get approval for traveling?
2025/05/16
39
Can the collection agencies pursue a legal action against me in my country for unpaid debts in the UAE? 0
Dear Sir
One of my friends took a loan and credit cards from various banks and ran away to Pakistan as he lost his job.
Can anyone chase him in Pakistan?
Actually, he was a victim of fraud, and the person who did this is in jail, and the other ran to Pakistan.
My friend made civil cases and won both. One is in jail for the first case, and the other ran to Pakistan. That's why he defaulted on payment.
2025/05/16
19
What can I do if I am not satisfied with a lawyer to represent me in a malpractice case? 0
I have a malpractice case ongoing against me and my hospital, with an appeal pending at the Court of Cassation.
A lawyer was hired by the malpractice insurance company, who is following up on the case.
However, I am not satisfied with the present lawyer and want to hire a personal lawyer on my side.
What are the advantages and disadvantages of doing so?
2025/05/15
21

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعMy sister passed away, leaving her son. How can I transfer his visa to my name? 0
Hello,
My sister passed away and left her son. Her husband has given me power of attorney and a legal heir certificate.
How can I transfer the son's visa to my name in the UAE?
2025/05/19
11
How can I cancel my partner visa without the sponsor in Dubai? 0
Hello,
How can I cancel my partner visa without the sponsor in Dubai?
2025/05/19
1
Can my parents take legal action if I move out without their consent while under my father’s sponsorship? 0
Hello,
I'm 23, female, Pakistani, under my dad's sponsorship on a residence visa for the next 2 years.
During these 2 years, I hope to leave my house, but my abusive parents would raise hell if I even brought up the topic. So my only option is to leave without them knowing.
My concern is: what legal action can they take against me if I move out without their approval?
I don’t want to do anything illegal or risk my residency.
2025/05/16
12
What can I do if I cleared the travel ban at the police station but it still cannot get a clearance certificate? 0
I had a case at Al Barsha Police Station, Dubai, for one year.
On 22 April, the court announced a verdict and imposed a fine of AED 5000, which I paid on the very next day and got the certificate from DPP, which I took to the Al Barsha Police station and submitted there.
The police officer told me that they have removed the travel ban, and the records will be updated in other emirates within 24 hours.
It's been more than 48 hours now since I applied for a clearance certificate on the MOI app, and it has turned into status "review with the concerned party."
I don't have any other cases, only this case, for which I paid the penalty already.
Seeking expert advice, please.
2025/05/16
23
What to do if the free zone refused to cancel partner visa for myself and an employee due to license expiry? 0
I received this email response from Sharjah Publishing Free Zone when I asked to cancel the visa for myself and an employee so that we may take up work with a new company:
Dear Valued Applicant,
Greetings from Sharjah Publishing City Free Zone
We regret to inform you that we are currently unable to proceed with the visa cancellation for Mr. O*** F***** (Visa - Cancellation - ************) for the following reasons:
1. The company's trade license is suspended, necessitating coordination with the SPC team to address this issue.
2. The company has an existing violation, as B**** W**** M*** has exceeded their visa duration by 171 days. The company must either cancel the visa for the violator or renew it accordingly. Alternatively, late renewal or cancellation fines can be settled through an application on the portal.
3. The E-Channel has expired as of 01/06/2023, and it must be renewed before processing any visa cancellation.
4. The Establishment Card is approaching its expiry date
2025/05/16
16

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعWhat can I do if I cleared the travel ban at the police station but it still cannot get a clearance certificate? 0
I had a case at Al Barsha Police Station, Dubai, for one year.
On 22 April, the court announced a verdict and imposed a fine of AED 5000, which I paid on the very next day and got the certificate from DPP, which I took to the Al Barsha Police station and submitted there.
The police officer told me that they have removed the travel ban, and the records will be updated in other emirates within 24 hours.
It's been more than 48 hours now since I applied for a clearance certificate on the MOI app, and it has turned into status "review with the concerned party."
I don't have any other cases, only this case, for which I paid the penalty already.
Seeking expert advice, please.
2025/05/16
23
Why was my first UAE employment visa rejected if there’s no travel history? 0
Hi,
My employment visa was rejected without any reason stated. I contacted MOHRE, and they said it was rejected by ICP Abu Dhabi. I have never been to the UAE or any other country.
This is my first visa application. I am from Pakistan, and I heard there is a shadow ban on some cities in Pakistan.
I contacted ICP, but they said there is no ban on any nationality.
2025/05/16
18
What is the procedure to stay in the UAE if the medical test showed unfit due to HIV? 0
Seeking legal advice.
I was working in the UAE for almost 12 years, and I am on a visa renewal. However, my medical is unfit due to HIV.
My employer is willing to help me if there is any way to process the renewal of my visa.
What can be the procedure for me to be able to stay and renew my visa and be able to seek medical treatment in the UAE?
2025/05/15
27
Can I email my tenant the non-renewal notice, or does it need to be notarized? 0
Hello,
If I am to evict my tenant at the end of the tenancy (property in Abu Dhabi), can I send the tenant an email (registered in Tawtheeq), or does the notice have to be through the notary public or registered mail?
Do I need to give a reason for non-renewal?
2025/05/15
21
How can I lift an immigration ban to be able to process my new emplyment visa? 0
Hi Sir,
I am S. and I am facing a one-year labour ban (as per my knowledge, and the same is mentioned in the cancellation paper too).
Now I have a new offer with [-----] company in a free zone, but things were not processed because of this ban. They asked me for the immigration clearance.
How can I clear this?
My previous contract was under a limited term, so even the salary basis is not helping me.
From other sites, I came to know it is possible, but I still have no idea how.
Can you suggest a solution?
2025/05/14
32

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعMy lawyer overcharged me for registering my labour case. What should I do? 0
Hello,
My lawyer has charged me more than the actual amount for registering my labour case.
What should I do?
2025/05/13
23
كيف يمكنني الاستعلام عن قضية إبعاد أمني ومحاولة العودة إلى الإمارات؟ 0
السلام عليكم،
أود الاستفسار بشأن قضية إبعاد زوج خالتي من دولة الإمارات العربية المتحدة. زوج خالتي كان مقيماً في الإمارات وكان قد وُلد وترعرع هناك.
في عام 2013 تم إبعاده من الإمارات، وكان ذلك نتيجة لسياسات حكومية كانت تستهدف مجموعة من المقيمين في تلك الفترة، وهو لم يكن قد ارتكب أي مخالفة في ذلك الوقت وكان يُعتبر ضحية للسياسات المتبعة.
أرغب في معرفة الإجراءات التي يجب أن أتبعها حالياً من أجل رفع هذا الإبعاد وتمكينه من العودة إلى الإمارات.
أرجو أن توضح لي كيف يمكنني مساعدته في هذا الموضوع.
شكراً جزيلاً.
2025/05/01
31
Can my sister file a claim for compensation after a criminal case for sexual harassment? 0
Hello,
My sister filed a criminal case against her employer (sexual harassment), and it is already with the Public Prosecutor.
Her employer refuses to compensate her at all. Can we file a civil claim? When should we do it?
Can we still file a civil claim after the judgment of the case?
2025/04/25
66
What should I do if the company cuts my salary by 60% without my consent? 0
Hello,
I'm a Malaysian and have worked with a company registered in Dubai. I'm based in Malaysia and have been working with them since 2008.
Recently, the company has been facing financial trouble and offered me a 60% pay cut, which I did not agree to. I offered them two options: to temporarily cut my salary by 20%, or to pay me retrenchment compensation based on my contract (which is based on Malaysian law).
Please advise me on my next course of action if the company cuts my salary by 60% without my consent.
2025/04/24
49
What legal action can a company take to recover an amount from a non-paying customer? 0
Hello,
We are a building materials trading company based in the UAE. We supplied materials worth AED 50,000 to a customer around 8 months ago, but despite repeated follow-ups and reminders, no payment has been made to date.
We would appreciate guidance on the following:
1. What legal action can we take to recover the amount?
2. What documents should we have ready (e.g., delivery notes, invoice, emails)?
3. How long does the legal process typically take in the UAE for such cases?
4. Is there a recommended timeline or deadline after which legal steps should be initiated?
Thank you in advance for your advice!
2025/04/25
62

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعWhat can I do if the landlord has not been responding to renew the commercial lease contract and Ejari? 0
Good day.
For the last 3 years, the landlord's office has not responded to renew the contract, so I contacted RERA for renewal.
The office doesn't respond to emails related to renewal, even though I started sending emails and reminders 2 to 3 months before expiry, and I have no choice but to contact RERA and send a notice.
Once the renewal was processed by law, the landlord's office delayed in releasing the Ejari. Since it is a commercial property, my renewals are related to a staff visa, and I have to pay delay penalties.
The landlord's office staff tried to take advantage of the Emirati owner, and no direct meeting was fruitful.
What is the law that safeguards expats and sorts out issues without mutual compromise as they try to force their terms to be acceptable by law and not supported by any documentation?
2025/05/06
32
A hair salon caused serious damage to my hair and scalp. What can I do to sue them? 0
I’m looking for legal advice regarding a hair salon incident that caused serious damage to my hair and scalp.
I visited a salon for a colouring treatment, during which two rounds of bleach, which is not what I booked in for, were given to me without proper approvals, and were applied back-to-back without a strand test or proper consultation.
As a result, I’ve been experiencing extreme hair breakage, daily hair loss, and ongoing scalp irritation. This has been especially distressing as I’m currently pregnant.
It’s now been over 20 days since the incident, and despite multiple polite follow-ups, the salon has ignored all communication.
I’m now exploring legal action to pursue compensation for the physical and emotional distress caused. I have full documentation, messages, and photos.
Any guidance on the best next steps or legal routes I can take would be greatly appreciated.
Thank you in advance.
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I have a friend who has an agency that promised me a partner's visa. She told me the payment would be 7800 AED full package, then I paid over half, 4900 AED, last October 2024.
But up until February 2025, I still didn’t receive any documents from her. So I decided to apply somewhere else, and I got my investor's visa already.
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I am currently running a restaurant from the location.
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Where can I view a copy of a judgment issued by the Sharjah Court?
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