Q: Good afternoon I have a case regarding a loan with a bank. They put on me a police case for a bounced cheque. I have already attended a court and paid a penalty. Then I got notification from the court that I am free, but the bank still pushes me for making a minimum payment. The question is if I have already paid a penalty to the court, does the loan still continue?

Q: Hi Sir, I am looking forward to having a debt solution in the UAE. I am currently not in the UAE and I did not pay to the banks since August 2018. Otherwise, I had been paying since last three years. I have 5 credit cards & one personal loan. Can you please help me in this regard?

Q: Hi, I took a loan from a UAE Bank for AED 450,000, I now have AED 230,000 of the loan outstanding. Due to delay in my salary, I missed 3 instalments and the bank deposited my security cheque for 600,000 AED and it bounced. My bank filed a case with the police 10 days ago. I went to issue a visa for my daughter and was informed that I can not complete the application as I have a police case for bounced cheque 10 days ago against me in Qusais Police Station. I am trying to get refinance from my bank, assuming the refinance doesn't go ahead, kindly advise: 1- When would it be likely to get called to the police station (how many days typically after a case is filed). 2- When called the first time, am I likely to spend time jailed in a police station or can I walk out the same day if I surrender my passport. 3- Will a fine be imposed? 4- If this goes to court, what is the likely sentence? 5- Is my liability to the bank AED 600,000 or 230,000 AED? I intend to pay in full over 2 years

Q: Dear Madam, I have received information from the bank that I have a cheque bounce case for AED 219,000/- on Feb 27. So far, I have not received any message or email or call from the police station. I want to change my Emirates ID phone number also. What do I have to do? Shall I approach any police station in Dubai? Please clarify my doubt. Thanks and regards N.

Q: The bank has already filed a criminal case against my security check that they asked me to sign prior to taking the personal loan (after defaulting two EMI's payments, because I resigned from my job and currently still unemployed). My outstanding loan is AED 58,303. I have already paid them around AED 65K, and the amount they wrote on the check is AED 124K. Now I am confused about where should I go first; to the police station or to the bank to make a settlement? Please advice. Thank you!

Q: I am leaving the country within the month due to being laid off from work. I was late in paying my latest loan instalment by only one day, which resulted in the bank calling to ask why last month's salary was not credited. I told them that I was still employed with the company and that this month's salary will be credited without any issue. I told them that I paid the last loan instalment anyway. This explanation seems to have satisfied the bank representative, however, I'm still concerned. I am currently updated on my loan payment, with no other debt except for this loan. I plan to continue my payments once I'm back home as I am starting a business. I cannot pay my loan if I get stuck here in the UAE. Is travel ban a possibility when I leave the country in the coming weeks?

Q: I have an outstanding loan in the UAE, and I got a job in Europe. How do I go about it? If I inform the bank, will they allow me to continue paying the loan from outside the UAE?

Q: Will I still be able to pay my credit card from overseas? What happens if I am already outside the UAE then my visa got cancelled? Will the bank close my bank account or I can still continue to pay my debts?

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.

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.