Questions & Answers
Questions & Answers
6 available 6 • View allSettlement of credit card overdues to avoid legal action
2
Q: Hi,
My name is M., and I want to settle my credit card. I am in bad credit, what is the way?

Nov 20, 2018
1608
Settlement of loans and credit cards cases with the bank
54
Q: I unintentionally left the UAE in 2016 due a to family emergency with an unpaid credit card and a few loans.
Since I have got confirmed by a Dubai based colleague that I have a police case already for bounced cheques cases. How do I go about the settlement from outside the UAE?
I have heard of the fines imposed as well as bounced cheque criminal case has been demoted to a minor misdemeanour in Dubai.
Involved banks are ADCB (loan of 120k), FGB (credit card - 70k), ENBD (credit card - 20k), HSBC (credit card - 13k) and CITIBANK (loan of 31k).
Thank you for your help. Please advise on the action that I can take to settle my issue without going to Dubai, UAE.

Jan 2, 2019
14097
The consequences of missing loan installments due to salary delays
2
Q: Dear Sir,
I have credit cards and loan from 2 banks, almost AED 85k.
Suddenly, my company is not able to pay the salaries & the last few months we are getting the salary after 50 days.
I am managing my credit card by minimum payments but wouldn't be able to make payment of AED 59k loan now (paid 8 instalments).
Now, I am receiving calls from the banks. The banks where I took loans have my cheques.
What will happen now if the banks present my cheques & bounced?
It's very difficult for me to settle.

Oct 18, 2018
5929
How to issue a Police Clearance Certificate for immigration if there's a possible case
2
Q: Hi Eman,
I am K. R. D. C. G., currently live in Canada. I worked in UAE (Abu Dhabi & Ajman) from 2013 to 2016.
I would like to request a police clearance certificate for immigration purposes (For Canadian Permanent Residence).
I have tried twice online but have failed. In 2016, I had to go back to Sri Lanka due to my wife's medical situation (she was pregnant).
I quit my job & left the UAE without informing my employer, banks, landlord... etc. & I never went back. I have my Expired Emirates ID with me.
Please advise.

Sep 5, 2021
799
Getting a police clearance while there was not a visa issued
1
Q: Hi,
I am looking to get a police check from Dubai. This is down to an assumed traffic issue with another driver. I do not have a UAE visa as I was there on a vacation, it was just my passport that I entered with.
Is this possible?
Many thanks in advance!

Aug 7, 2022
297
The charges and time frame for checking if there are any pending cases




1
Q: Dear Sir/Madam,
I want to know if there is any police case pending against me. It may be towards non-payment of credit card bills.
I would appreciate it if you inform me what your charges will be and the time to know.
Best Regards,





+2
Oct 23, 2022
285
Laws & Regulations
2 available 2 • View allFederal 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.
Dec 15, 1985
148439
Federal Law No. (3) of 1987 Promulgating the Penal Code 29
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.
Dec 8, 1987
47923

Other answers by
81 81 answers •
View allCan a company change the holidays of the UAE for expat employees to their country's holidays? 0
Hello team,
I have a Chinese team in a Dubai-based company, they are working in Dubai itself.
Can we exempt them from Dubai national holidays and provide holidays related to China national holidays?
Can you please suggest something?
Jan 4, 2023
321
What should you do when you get a police call without knowing the reason? 0
I got a call from police yesterday said I should come today to give a statement they didn’t tell me what it’s about.
I’m freaking out, all I know is I owe Etisalat. Apart from that, I don’t have any issues here. Can you help?
Feb 13, 2021
2553
Partner's liability while other partners are outside the country 0
My wife is a partner in a civil company in Dubai. The company has 4 partners; 3 of them are out of the country.
The company bought things for AED 50k which was not paid back and now they filed a case.
What will be the liability for my wife? she is not the manager of the company.
What will be my wife's liability for that company?
Feb 4, 2021
518
Trade license and banking legality for any kind of trading activity 0
Hi Sudhanshu,
Hope you are well.
What are my rights for establishing an e-com business meant for trading outside the UAE.
1) Do I still need the UAE trade license?
2) Can I receive payments in the UAE banks through international online business since I live in the UAE and would be here for some more time?
Best regards,
A.
May 19, 2020
509
Filing criminal and civil cases against a company for cheque bounce 0
Hello,
I hope you're all doing well during this tough time.
I have a question in regards to bounced cheques, specifically corporate cheques.
I have a cheque for AED 800,000, and it has bounced. The owner of the corporate has asked for a month to pay back. However, I am worried he will leave the country and not honour his obligation.
My questions are fairly simple:
1) Am I to put a case on the individual who signed it or the corporate?
1) If I put a criminal and civil case on the corporate right now and he's unable to settle amicably, can I put a travel ban on the owner (who signed) as it is a corporate case?
2) Does the new insolvency law as of late 2019 also apply to corporates?
3) Is the owner personally liable if the company doesn't have assets or cash?
May 14, 2020
1691
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