Q: I lost my job and could not pay the EMI's since Jan 2017 till now against a personal loan of AED 316,000. The bank bounced my cheque in March 2017 and I was fined Dhs 15,000 by the public prosecutor. Do I have a travel ban or not by the bank? The bank is calling me every day for paying the loan even after the police case. I am still jobless.

Q: I've taken a loan of AED 65000 in 2005 and left Dubai in the same year after the job was lost. When I approached the bank, they insisted for one-time payment which I could not afford from India. Now, I got an offer from Oman. Can I travel to Oman with this outstanding loan in Dubai? Will I be caught in Oman? I want to find out if I am blacklisted or a police case pending against me. Kindly suggest.

Q: Dear Mr Hari, Good day. I took a loan from a bank one year back for AED 64,000 and now I have an outstanding amount of AED 48,500 which I am now unable to pay due to the loss of employment. I have also missed 1 EMI until now and have not paid this EMI for the past 3 months, however, I somehow managed to pay all the EMIs until now but I am unable to pay any further. Kindly let me know if the bank can file a criminal case against me or there are any new UAE rules according to which I only have to pay a certain fine. Also, as I lost my job recently I am on a visit visa. Kindly let me know if I will be facing a travel ban if I don't pay? How to deal with the situation?

Q: Dear All, If a civil case is filed against a person who is outside the country, can the court reach a verdict without the presence of the defendant? Also, will the defendant be able to provide the information required to support the case investigation to defend himself/herself by being outside the country? Please provide me with the details. Thanks!

Q: Hi, A civil case is filed against a person who is outside the country. Can the court reach a verdict without the defendant's presence? Also, would he has the chance to produce the MOU and support with details for the investigation of the case i.e. a bank loan default case? Lastly, if the person is in the country can he defend the case in court without a lawyer?

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.

With the introduction of the new procedures for obtaining a power of attorney (POA) remotely in the UAE, after it was mandatory to appear in person in front of the notary public as a global rule to ensure the identity and intention of the person requesting a POA, we put between your hands this brief guide for how you get it done.

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.