Q: Hello I am writing to ask about a civil case, I recently went on maternity leave and my company does not pay a salary in this period. The bank filed a criminal case so I was stopped at the airport on arrival and processed at the police station. The next day I went in front of a judge who asked if I had the money to pay at that time or pay a fine, so I paid the AED 10000 fine. It's been almost 3 months and the bank keeps increasing my debt (my account is on minus). Question is, should I go to court again to ask them to get the bank to issue a clearance certificate or what should I do?

Q: I am a trader, my clients provide me PDC cheques (post dated). As per new law if my clients bounce the cheque & I make a case against them, they won't be imprisoned, they would have to pay fine.  What about my payment, how would I recover my bill payments? Will they still be liable to pay my dues? Also, will they be under a travel ban?

Q: Hi madam, If a lot of cheques equal to AED 300,000 have been bounced and cases are filed and a travel ban imposed, what will be the punishments or consequences to be faced if caught? I can't afford to pay back even 1,000 Dhs. Will I have to pay the full amount? Please advise. Thanks

Q: Hi Sir, I have a personal loan with a UAE bank, the amount was AED 240k. I paid 6 months, the remaining amount is 200k. My security cheque amount is AED 288k. Unfortunately, I am not getting a salary from my company so I can't pay the EMI. Currently, 2 months are overdue, the collection department people started harassing me. I sent all the relevant documents to the bank related to the salary issues... etc., but no help from them. Can I know what will be the penalty & jail term for it? Still, I am staying here in the UAE.

Q: Dear Sir/Madam, The bank has filed a criminal case against me due to the nonpayment of EMI before three months, even without any pending payments from my side. The court fine was paid & the travel ban was removed. Unfortunately, I could not pay the EMI for two months because of the pending salary (Outstanding - AED 72000). This case had already been handed over to a private legal agency by the bank. Can you give any advice to survive this? S.

Q: Hi I am from India and I left the UAE in 2020 with a personal loan outstanding of 300k due to my job issues, I am in the UK currently for the past 2 years. The bank has received my end-of-service benefits and holds them. Now they are threatening me via a collection agency from India to go against my parents who have nothing to do with this loan. They are calling them by phone and messaging to threaten me from time to time. I have complained to my bank about this bullying from this collection agency but no action is taken from the bank. I am currently paying the minimum amount to the bank in the UAE towards my personal loan. I like to know what action can the UAE bank take against me in the UK and in India against me and my parents. What is the legal right the collection agency in India has to act against me and my parents? If I can't pay my personal loan due to my financial situation, what will the consequences be? Kindly advise.

يلعب الشيك دوراً مهماً في الحياة اليومية سواء في ميدان المعاملات التجارية أو في ميدان المعلامات المدنية باعتباره أداة وفاء والتزام تحل محل النقود في التعامل بين الافراد. ونظراً لهذه الأهمية فقد أصبح أكثر الأوراق التجارية انتشاراً وتداولاً بين الناس، على الرغم من حداثته نوعاً ما. فالشيك لم يبق كما كان في بداية عهده أداة لسحب الودائع المصرفية لحساب الساحب ذاته، بل أصبح أداة وفاء تحل محل النقود سواء على النطاق الداخلي بالنسبة للمعاملات التي يقوم بها الأفراد داخل الدولة فحسب وزادت أهميته.

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.

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.

The law promulgates UAE Civil Procedures Code (Civil Procedure Law) which governs civil procedures in the United Arab Emirates, including the prosecution before the courts, litigation and execution.

The provisions of this Decree by Law amend the Federal Law No. (18) of 1993 by replacing Clause (4) of Article (379) as well as Articles (600), (617), (641), (642), (643), (644), and adding new articles numbered (635) Bis, (641) Bis (1), (641) Bis (2), (641) Bis (3), (641) Bis (4), (643) Bis (1), (643) Bis (2), (644) Bis (1) and (644) Bis (2). The Decree-Law also repeals Articles (401), (402) and (403) of the Federal Law No. (3) of 1987.