Q: Someone gave me two cheques for AED 80000 and disappeared with my cash. I have found that his bank account closed but also he is on run under some fraud investigation in the UAE and in Oman at the moment. Could you please advise me how to recover my funds from him?

Q: Hi! I have a customer and his cheque was recently bounced. He intentionally issued a closed account cheque and we realised when the bank letter informed us. It's now 5 months and he is neither paying nor answering the calls, and I cannot travel every day to Abu Dhabi to chase him. Can you guide me? What is the best way to get the payment back? Thanks

Q: I have a bounced cheque issued by a person who has already left the country and closed his local bank account. I filed a criminal case with the police some time ago, but there is no result till now. Can I do something else to get the money?

Q: I had a non-dated cheque given by an Indian individual against the money given to him for his trading business promising that he will give some profit every month and return the money within six months. However, he failed to give monthly profit after two months and I came to know that he cancelled his residence visa and planning to leave the country. I have presented the cheque (312K AED) at the bank and got insufficient funds note and registered a criminal case at a Dubai police station. However, next day morning he left to India through Emirates Airlines. I am still wondering how he could leave when travel ban is there which I was told that will be automatically effective once I get case number which I got the previous day. I came to know from other friends that he has a plan to migrate to Canada soon. What are the next steps I should take to recover my money?

Q: Dear sir/madam, A bank cheque was issued by an individual to my business partner. My business partner did not present the cheque for encashment for a month or so. However, my partner has now come to know that the individual who had issued the cheque has closed the bank account. What will be the status now? What will happen if the cheque is presented to the bank? And what legal recourse does my business partner have to recover the amount due to him? Looking for advice from the esteemed lawyers of this forum. Regards,

Q: Hello, When I finished my prayer and was leaving the mosque, an individual approached me and asked me to drive him to a near destination. On the way, he told me that he has financial difficulties and his sick wife needs a flight ticket to travel. He kept mentioning: "I’m not a beggar and I have a business". He showed me his valid visa and offered to give me a cheque to ensure that he’ll pay me back. It has been around a month and he is not paying me back. He also said that his account is closed so the cheque won’t work. I’m not sure what to do now? Should I check the cheque and if it bounces, what do I need to do next? Your help is appreciated! I also have all the chat history to back my claims.

In the UAE, cheque bounce is a very frequent problem faced by people during their span in the country. It is covered under the purview of Commercial Transactions Law, and legal implications/penalties can be financially severe and daunting for more “serious” offenses. Bounced cheque issues may arise in a variety of commercial transactions, including but not limited to, companies’ exchanges, bank loans, property rents or purchases, and individual transactions.

This Law applies to merchants, as well as to all acts of commerce carried out in the UAE by any person even though he be not a trader. Commercial matters regarding which specific Federal laws are issued shall be subject to the provisions of such laws, and to the provisions hereof which do not contradict with said laws.

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.

The law promulgates UAE Civil Procedures Code (Civil Procedure Law) which governs civil procedures in the United Arab Emirates, including the prosecution before the courts, litigation and execution.

The provisions of this Decree by Law amend the Federal Law No. (18) of 1993 by replacing Clause (4) of Article (379) as well as Articles (600), (617), (641), (642), (643), (644), and adding new articles numbered (635) Bis, (641) Bis (1), (641) Bis (2), (641) Bis (3), (641) Bis (4), (643) Bis (1), (643) Bis (2), (644) Bis (1) and (644) Bis (2). The Decree-Law also repeals Articles (401), (402) and (403) of the Federal Law No. (3) of 1987.