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الإجراءات القانونية المحتمل اتخاذها بعد دفع غرامة بطاقة الائتمان

مرحبًا سيدتي،

أود منك توضيح ما يلي:

قدم البنك شيك ضمان مرتجع بسبب مستحقات بطاقة الائتمان غير المسددة. لقد دفعت الغرامة في المحكمة.

يرجى تقديم المشورة حول ما إذا كان يمكنني استئناف العمل هنا؟

هل ستلاحقني البنوك لسداد الديون بعد ذلك؟

Hussain Lootah & Associates
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17 Jun 2019, 09:49

Dear Questioner,

Please note that fine payment you made to the court is not for the bank. It goes straight to the government treasury. So the banks may still approach you to make the payment.

Please note that this is a criminal offence [issuing cheque in bad faith] and you paid fine as a punishment for this offence.

Have you collected the clearance certificate after the fine payment?

The banks can file a cheque bounce case if they hold multiple cheques signed by you. However, they cannot file a case again on the same cheque.

Hope the above explanation gives more clarity to the situation.

Regards,

Rajasree Ravivarma

+971585013663 [phone]

+971585836631 [whatsaap]

17 Jun 2019, 09:57

Dear Madam,

Thank you for the clear explanation.

I haven't collected the clearance certificate.

Since the bank only holds the bounced cheque signed by me, will they sue me for non-payment?

If the non-payment still runs after the penalty is done; what would the bank do to recover the dues?

17 Jun 2019, 10:12

The bank can file a civil case. In practice, the bank will not file a civil case for small amounts.

How much is your outstanding?

17 Jun 2019, 10:19

Dear Madam,

I have multiple cards consists of 9 cards each having outstanding worth average 11,666.

The credit limit is a total average of 10000.

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