Q: Can a bank freeze my gratuity if my new company is not listed?

Q: The bank had held my account 20 days in advance of my EOSB After I got my new visa and salary letter within the UAE. The bank had unfrozen the account but blocked the full amount of EOSB and asked me to provide a confirmation letter, which I feel is totally wrong. My loan amount is even half of my EOSB. Can I approach the banking court of the UAE about freezing the account and holding my EOSB?

Q: Hi, Good eve, Madam. I have a query regarding EOSB. I resigned from my previous company and my EOSB was held by the bank due to my existing loan until I can provide them with new documents for my current job. Let's make things short. I provide them with a new visa and salary transfer letter addressed to the bank. Unfortunately, upon presenting all the documents, they informed me that the new company is not listed in the bank. Do the bank have the right to use my EOSB to adjust my remaining loan?

Q: Hello, I have a loan with a local bank and I just changed the job with a better package. But unfortunately, the new company is not listed with the bank and my EOSB is on hold. In that context 1) My new company is listed in an international bank. Can I arrange a direct debit option? 2) Can my existing bank deduct the upcoming EMI from EOSB's? 3) Will there be a travel ban if my payments are regular to the bank? I have a loan but not transferring my salaries.

س: فُصلت من العمل تعسفيًا وحُجزت كل مستحقات نهاية أكثر من سبع سنوات من الخدمة بالإضافة إلى مبلغ التعويض عن الفصل التعسفي وأيضًا مبلغ التعويض عن مهلة الإنذار وكل المستحقات الأخرى؛ مثل راتب آخر شهر في العمل وبدل تذكرة السفر وكذلك بدل ما تبقى من أيام الإجازات المستحقة، وذلك بغرض سداد ما تبقى من مديونية مستحقة للبنك. طلبت من البنك أن يُفرِج عن البدلات المستحقة ويحجز مستحقات نهاية الخدمة فقط وأقوم بسداد بقية المديونية على نفس الأقساط المتفق عليها. هل يمكن أن أحصل على تلك البدلات قانونيًا؟ علمًا بأنني كنت أعمل لدى نفس البنك وفُصلت تعسفيًا.

Q: Hi, I am living in the UAE. I am an Indian national. I have a credit card. I do not have any loan and I also do not have any EMI to pay but I have 25000 AED due to pay for my credit card. Now I got a job in Saudi Arabia and I am unable to pay all money at once. I never miss any monthly mini. payment. When my company transfers my final salary and end-of-service benefits to my bank, will the bank freeze my bank account and file a case that I have pending 25000 AED, and will the police stop me at the airport? Also, can I leave the UAE without paying the due amount, and without informing the bank? Will it create any issue at the airport while leaving to India on the final exit?

Q: Hello, My EOSB from my previous employer was credited and kept on hold by my bank, though my new employment documents were updated within the timeframe. Still, the gratuity amount was adjusted to the loan without my consent. Is it legal to do so? In addition to the above, instead of adjusting the amount from my gratuity, they deducted it from my available funds which I have access to without informing me. R.

The provisions of this Law, known as "UAE Labour Law", govern the relationship between employers and employees and other labour matters in the United Arab Emirates. There are special labour related regulations applicable in some of the free zones in the UAE.

The provisions of this Decree-Law, known as "New UAE Labor Law", govern labour relations in the private sector of the United Arab Emirates. The New Labor Law repeals the previous UAE Labor Law (Federal Law No. (8) of 1980).