Questions & Answers
Questions & Answers
9 available 9 • View allBank claim of the credit card annual charges after leaving the UAE
0
Q: I left the UAE in October 2015 and forgot to cancel my credit card.
In April 2016, using my login I wrote to the bank to close the card since I had no outstanding amounts at the time of leaving the UAE or requesting the closure, .
ADIB didn't cancel the card and levied the annual charge in November 2016. In Sep 2017 I received an email from trust DC stating that they are the legal advisor of ADIB and I owe ADIB AED 1003.
At the time of renewal, I didn't have a valid visa and Emirates ID.
Now, ADIB is putting the onus on me and asking me to pay. They are not responding to emails and I cant call them as I am in India.
Please advise regarding the forward path.

Sep 19, 2017
1454
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
14082
Unpaid credit card dues and Police Clearance Certificate
98
Q: I had an unpaid credit card and personal loans when I left the UAE in 2018. How can I check if I have any cases against me?
And what will be mentioned on the police clearance certificate, If I apply for any from outside the UAE?

Feb 14, 2019
20766
Checking a bounced cheque case and paying fines from outside the UAE




2
Q: Hi,
I have a cheque bounce case filed against me by the bank in Dubai. The bank is not willing to negotiate at all no matter the solution offered.
How do I pay the fine to resolve the case with Dubai Police while being outside the country? Will I be able to get a visit visa with a pending criminal case?
I would require a visit visa to enter the UAE again. Kindly advise with the possible options to pay the police fine being outside the country.
[Cheque value AED 95,000 and the fine is AED 5,000].





Dec 30, 2019
4049
Checking for a travel ban and settling a loan with a bank




2
Q: I defaulted on a loan plus credit cards.
I have left UAE almost a year ago and stopped paying my loan and credit cards. The security check I have issued was AED 350,000 but the outstanding loan amount was only 181,000. Now I got a job offer and I am trying to discuss with the bank the settlement plan.
The bank advised me that the total outstanding including two credit cards is 240,000. They are not cooperative and do not respond on time. If I sign the employment contract and travel to the UAE, what are my chances?
1. Will it be possible to be jailed? Denied a work permit or employment visa?
2. Will it be possible for me to negotiate an installment plan with the bank or pay fine and get released?
Please advise!
Thanks





+2
Mar 31, 2020
2999
Getting clearance from the bank after settlement of debt
11
Q: Hello there,
I left the UAE in 2015 and I had a loan and credit cards paid one by one and left now with the last credit card with a bank. I was paying minimum account until Feb 2020.
Then COVID-19 hit and I was not able to pay. I contacted bank but no response from their end for settlement.
Now suddenly an agency started dealing with me and asking me to pay around AED 12000 which is very difficult. Please advise.
I paid one bank and got clearance, paid another bank but they are not giving out a clearance letter still after much follow up. What can be done?

Aug 11, 2020
3936
Paying a criminal fine to clear a travel ban while being outside the UAE
1
Q: I lost my job in the UAE in 2017 and left with debt. I think I already have 3 cases filed against me.
I want to go back to the UAE as I have an employment opportunity.
Can I pay the criminal penalty at court to clear my travel ban while I'm outside the country?

Mar 31, 2021
1427
شركة مالكة لعقار تطالب بدفع متأخرات بعد تسويتها والتنازل عن البلاغ
1
س: كان لدي شيكات مرتجعة للشركة المالكة للعقار وتم تسويتها ودفع المبلغ المُستحقّ والتنازل عن البلاغ وسافرت.
فوجئت بإيميل من الشركة المالكة بالمطالبة بدفع مبلغ ٢٠٠٠٠ قيمة مستحقات متأخرة مع أنني لم أجدد العقد وفصلت الكهرباء عند انتهاء العقد وأرسلت صورة بذلك.
١. هل أُمنع من دخول البلاد عند العودة؟
٢. ما الوضع القانوني بالنسبة للمطالبات؟

May 7, 2021
125
Getting a job offer in the UAE while there is unpaid bank loan




2
Q: Hello,
I have unpaid dues on a credit card with one bank (approximately 7000 AED) and a loan with another bank (approximately 28000 AED). Due to the pandemic, unfortunately, I was terminated from my work and thus had to return to my home country.
I’m behind on payments for over 1 year to date.
I’ve been born and raised in Dubai and would never want to have such a situation held in UAE, thus I’m willing to return back and pay everything within the least possible time.
(I have a job offer with enough salary offered to settle dues within the least months).
I would like to know if there is a chance that either of the banks may impose a travel ban on me.





Aug 30, 2022
433
Legal blog
1 available 1 • View allThe Consequences of Job Loss and Defaulting on Financial Liabilities 26
The management of individual financial affairs is crucial and all the actions must be weighed down while committing to any financial liability. Whether it's job loss that may have lead to financial failure or the opposite, one must be aware of the personal liability which will not diminish by paying fines for cheque bounce cases. There are two major types of liabilities, criminal liability and civil liability. Each has its own significance, hence, must be dealt with accordingly.
Feb 12, 2019
18895
Laws & Regulations
2 available 2 • View allFederal 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
47911
Federal 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
148377

Other answers by
421 421 answers •
View allPayment recovery for delay in the delivery of purchased property 0
Hi,
I need to hire a property lawyer.
I have purchased a property that is still under construction. The handover was supposed to be May 2018 and it has been delayed for over 18 months.
Can you please advise what is the average fee to the lawyer and any upcoming fees?
I would like to either receive compensation for the delay or terminate the SPA and receive what I have paid.
Thanks
Nov 10, 2019
375
Termination of services due to cost-cutting 0
My company terminated my services without any reason except for what they told me that they are cost-cutting.
What are the complete benefits that they have to pay to me beside the gratuity?
I worked there for 3 years.
Nov 10, 2019
955
Court fee for filing civil case of cheque bounce 0
What is the total fee for instituting a civil case for a bounced cheque of AED 4 million?
Nov 8, 2019
4857
Mutual Termination vs Resignation 0
Is it possible to request a mutual termination of the contract from the employer?
My employer recently asked me to submit a resignation. Since it's not legal for him to do this and since I don't mind leaving the company for better opportunities, is it legal for me to request a mutual termination of contract letter?
What are the important things that should be stated in the letter?
Nov 9, 2019
1685
Termination for non-performance and claim for arbitrary dismissal 0
Hi,
I am the GM of a company in the Internet City and the VP Sales MEAA.
My contract has been terminated after 13 years due to some results that did not meet the company expectations.
No process was followed prior to termination. I wish to know if I will have a claim for arbitrary dismissal.
Regards
A. D.
Nov 5, 2019
1081

Other answers by
9 9 answers •
View allRecovering an amount lended to investors with security cheques 0
I had given a cash loan of 1.2 million to a restaurant owner in Dubai for 1 year, on a PDC security.
They served me some profit for almost a year, and when the date of repayment came, he started giving me different dates.
I bounced the cheques and complained in Dubai police, the police have opened a case and put a travel ban on the signing authority.
While running out of the country, the lady who was the signing authority was arrested and sent to the police station and from there to the public prosecution.
They used some links and skipped out of the country although the company and other partners are still in Dubai.
Please advise me what should be done to recover the amount, as the signing authority ran away.
Jun 11, 2019
573
Custody, guardianship and division of assets in a divorce 0
I want to divorce my husband; my concerns are as below;
If the divorce proceeding is under Sharia Law, what are my chances when it comes to;
1. Child Custody & guardianship - I believe I will get the custody until age 11. My question is if the husband is unemployed for 6 months now, can he still be considered as guardian since he can't provide for the family?
And if I can show that he has never been a provider for the family (basically, I pay ALL the bills since we got married) & I have a proof that he had an affair a year ago, can I get the guardianship as well & full custody?
Can the child get an opportunity to choose where he wants to live with when he reaches puberty?
2. DIVISION OF ASSETS - Since I got a land inheritance from my parents, is he entitled to get 1/2 of the property?
Obviously, he has no house/properties in his home country as well as savings and I am worried he will get everything. I own 50/50 in which he didn't sweat a dime on it.
Awaiting your advice.
May 23, 2019
653
Liability of company partners against the actions of a partner 0
Can I be held financially/legally liable for any actions of my ex-partner after exiting the business by share transfer?
May 14, 2019
1211
Breaching contract by the service provider and possible action 0
Compensation for poor performance & false accusations.
We hired a consultancy agency to provide us with their services. During our working relationship, the deliveries were consistently late, and the service was unreliable.
We gave them numerous chances to improve performance and meet timelines.
The details of these problems have been communicated to them repeatedly but they did not address the problems in a timely manner, causing us extra expenses in addition to mental and emotional agony.
During the project, my father passed away & they have used this matter as an excuse to pause work on the project without notifying us causing us further delays.
Recently, we serviced them a notice for contract termination for their failure to adhere to mentioned services.
In response, they have wrongfully accused me of talking badly about their staff & making insulting & inappropriate comments about their work which have made the working relationship difficult.
Do we have legal rights to pursue?
May 14, 2019
586
The procedure of status check due to unpaid loans 0
Hello,
I need to know if my husband has any open loans in the UAE, open police cases or travel bans. How to know this?
Thanks
May 10, 2019
470

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
308
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
2545
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
508
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
496
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
1681
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