Q: Dear Sir/Madam Can a bank file a civil case after filing a criminal case? The criminal case has been lifted by paying fine at the police station. How long does it take for the bank to file a civil case after this? Am I still liable to pay to the bank after I have cleared my criminal case by paying the said fine?

Q: I had some credit card financial issue and I couldn't pay. The bank put a police case and I paid a fine and finished the case. After some months with different collection people from the bank calling me and coming 2-3 times directly to my office, they told me they will file a civil case for the total dues of 30K. What is the solution for finishing all this?

Q: Dear Sir, I am living in the UAE. Last February 2019, a bank filed a criminal case against me for credit card and security cheque bounce of AED 60000. I paid the fine and got released from the public prosecution at al Rahba, Abu Dhabi. Afterwards, one law firm contacted me chasing for the unpaid dues from that bank and said they will file a case against me. I am jobless and searching for a job for the last 4 months due to my termination. If they file a civil case, will there be any impact on applying for a new visa? It is possible to overrule any court decision? How can I get released from this situation? Hence, I don't have any single dirham with me to pay the bank. Also, advise if the police can arrest me on the basis of this civil case immediately. Your favourable response will be highly appreciated.

Q: Hello, I have a notice from the DIFC courts against my personal loan which I borrowed from a bank in 2014. The amount is AED 350k. I have already served the jail time; 2 months for the criminal offense of signing the cheque. I am offering a settlement to the bank in monthly installments which I can manage, but they are not agreeing upon and, now, the court will resume the hearings. The problem is that I wanted to pay off, but I can't afford to pay heavy installments which the bank is asking for. How to convince the bank?

س: السلام عليكم، لدي قضية جزائية منذ ٢٠١٧. تم تغريمي وأنا خارج الإمارات وما زلت. ما مصير القضية بعد قانون الشيكات الجديد؟ وهل يمكن الحصول على شهادة حسن سلوك؟ الشكر الجزيل سلفًا!

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.