التعامل مع حالات التخلف عن سداد القروض باعتبارها جرائم بسيطة في الإمارات

Dear Questioner,

As you said, in the emirate of Dubai the bouncing of a cheque of AED 200,000 or less is categorized as a “simple crime” holding the penalty of a fine not exceeding AED 5,000 to AED 10,000.

Accordingly, the drawers of the bounced cheques for a value of AED 200,000 (or less) can be sentenced by the Dubai Public Prosecution directly (without being referred to Courts).

However, the sentence shall be for a fine only which does not exceed AED 5,000 to AED 10,000 (in practice).

Please note that the above doesn't mean that you will have no liability once you pay the fine. You will just be free from criminal liability.

The bank has the right to file a civil case. In case the judgement is in favour of the bank, you may request time to make payment in instalments. It is all the judge's discretion how much time will be given.

Hope the above explanation gives you clarity.

Thank you.

Regards,

Rajasree Ravivarma