Q: Hi Sir, Please, I need your help. I had a loan from FGB bank. I almost paid instalments for three years. Now, I am not in that condition to pay. There are 3 instalments due and I am getting calls from the collection and they are about to file a case. Could you please help me to know the penalty I may get, as my outstanding amount is just AED 24K? I have an Abu Dhabi visa, and they threatened to file a case in Sharjah.

Q: Dear, I would like to ask about my credit card debts with a bank. My cheque was with the Dubai branch and now they are threatening me to present the cheque in Sharjah. So please, let me know what will be the position. How can I be bailed out? How can it be settled? Thanks

Q: Dear, I would like to ask about my credit card debts with a bank. My cheque was with the Dubai branch and now they are threatening me to present the cheque in Sharjah. So please, let me know what will be the position and how I can be bailed out. Thanks

Q: What happens if a criminal case for bounced cheques for AED 506,000.00 is given, in which AED 485,000.00 is paid back? Only 21,000 is remaining. Is there any jail term or fine? If so, what will the fine be?

Q: Hi! A bank has filed a case against me recently with Dubai Police for defaulting on loan payments. They have presented a cheque of AED 261,000 and the police have given me a date after a week for the court hearing. The actual loan amount pending is AED 147,000. What sort of penalties can be imposed by the court on me and do I need to hire a lawyer for this hearing?

In the UAE, cheque bounce is a very frequent problem faced by people during their span in the country. It is covered under the purview of Commercial Transactions Law, and legal implications/penalties can be financially severe and daunting for more “serious” offenses. Bounced cheque issues may arise in a variety of commercial transactions, including but not limited to, companies’ exchanges, bank loans, property rents or purchases, and individual transactions.

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.