Q: Dear Hari, The holder of the ID No. XXXXXXXXXXXXXXX has been circulated. The concerned person is kindly requested to refer to Muraqqabat Police Station as soon as possible. Got this SMS from Dubai Police, what does that mean and what actions may be taken if I reach the police station. There is one cheque bounce case on me.

Q: Hi. I have a case filed against me by the bank last month end for failing to pay 2 EMIs. I have been unemployed since April 2017 and have managed to pay my EMIs from the settlement I received from my previous company and some other EMIs by borrowing money from friends and families. I have not been able to find suitable employment during this time and I have AED 52,000 to pay the bank (the original amount being AED 254,000). The cheque bounced by the bank is for an amount of AED 77,100.00. My overdue EMI is AED 9,800, while my outstanding is AED 52,000. The 4-year loan will finish tenure by July 2019. Before the case was registered by the bank, I had emailed them (also spoke with their rep) to give me a loan deferment, however, they chose not to respond. Please advise on the next possible actions. I still have not received any calls from any legal authorities. Will I have to face jail term or deportation?

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: We have a security cheque bounce case for AED 210000. My partner had signed the cheque and this was for a business loan. The amount paid back is AED 127820. My partner has received the call to attend the police station. I want to know as to how to proceed.

Q: Sir, My security cheque of AED 219,000/- was bounced by the bank at Bur Dubai police station. I have not received any call or information from the police station. I took a personal loan of 150000/- I paid 139000/- balance pending is 84000/- with interest. Two days back, I have received an email as a demand notice from the bank for payment of outstanding due 84000/-. What do I have to do in this situation? I have no information from the police station also. Should I negotiate with the bank or avoid the notice? Please reply. Thanks and Regards K.

Q: Hi Hari, Good Morning! I have 4 credit cards and the total limit is around 80 thousand AED. I defaulted and stopped paying for 6 months. I got a message that the bank is going to file a civil case. Is there a chance of four different police cases against me? Please advise, is it possible they can book a civil case for the sum of 80 Thousand?

Q: Hi. My bank filed a police case and the police called me to the station. I want to ask, shall I clear the outstanding and take clearance letter from the bank then go to the police station or first go to police station? Now, I can clear the full outstanding of the bank. But the question is, do I have to pay the bounced cheque fine as well if I have already obtained the clearance letter from the bank?

Q: Madam, If the amount is 15,000, what is the fine to solve the issue?

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.

This Law applies to merchants, as well as to all acts of commerce carried out in the UAE by any person even though he be not a trader. Commercial matters regarding which specific Federal laws are issued shall be subject to the provisions of such laws, and to the provisions hereof which do not contradict with said laws.

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.