Questions & Answers
Questions & Answers
7 available 7 • View allDefaulting on the payment of dues and threat in home country
1
Q: Dear Sir,
I was working in Jebel Ali free zone Dubai and I lost my job in 2015 due to company downsizing, and I had a loan from a bank which I was not able to pay off.
I tried looking for a job when I was in Dubai during my visa cancellation process but was unsuccessful. I came back to my home country after, but when I came back and I had an accident and now after recovery.
I was trying to get a job in the UAE and pay back the bank outstanding but no good luck for me. And now, I got an offer from one company in my home town.
I just wanted to know how to handle the above issue after few people visited my home town and said we are from recovery and they are threatening my mother saying they will bring more people to recover the payment.
Kindly advise what the UAE law said regarding the above issue. I even sent to the bank regarding paying back the payment if I will get a job in hometown and get salary in Pak. Rs.
But till now, no reply from the bank regarding the above request.
Please, give your expert opinion.

Jul 23, 2019
1889
Detention at the airport due to credit card outstanding
15
Q: Hello,
I had a credit card from a bank for AED 12,000. I failed to pay since I lost my job for the last 10 months. The bank stopped contacting me for 6 months.
I recently found a job and I have an emergency to fly back home. Will I be stopped at the airport and how can I know if the bank filed a case against me?
Thank you

May 2, 2019
4153
Rescheduling the EMI of a personal loan to avoid legal action
4
Q: Hello Lawyer,
I lost my job in November 2018 and still searching for a suitable job here in the UAE. I have a bank loan for which an EMI is active.
Until last month, I managed to pay the EMI somehow hoping I will get a job. But so far, I am not lucky and from this month onwards I won't be able to pay the EMI.
I need your best legal advice to close the dealings with the bank in a smooth manner.
Awaiting your reply.

Apr 1, 2019
2075
Depositing a cheque despite arranging to proceed with an EMI scheme
0
Q: Dear Sir/Madam,
I have noticed a cheque bounce case filed against my credit card. I have informed them before that I will proceed with an easy EMI scheme through instalments. However, they deposited the cheque; the amount showing is AED 50,000.
Can you please advise how to proceed further?
Can I go to the police station directly?
How much is the fine that I have to pay?

Apr 12, 2019
543
Defaulting on credit cards and negotiating with banks to settle them

1
Q: I have 3 credit cards:
Bank 1 - 18,000
Bank 2 - 18,000
Bank 3 - 20,000
I am really unable to pay my debt and they are harassing me that they will file a case against me. I was paying all of them continuously since 2018. I just had a hard time and missed my payment since Jan 2020.
I want to settle them but they don't give me a chance; they always say that they will file a case. I am not running. I told them I will pay once I find a job.
What is the best way to fix them as I am planning to leave the country in a year? Until now, I am jobless since Jan 2020 and its hard to find a job now. I am willing to get charged by your service.
Thank you!


Mar 25, 2020
1550
How to know whether you have a criminal or civil case and how to clear them


16
Q: I left the country last year and I have an unpaid personal loan with a bank and credit card bill in another (all together AED 75000).
The bank has filed a case against me already (as per their email).
Now I need to know whether the bank has filed a civil case or criminal case since the amount is less than AED 200000.
Also, I need to know whether is it possible to get a criminal record check or police clearance without paying my debt.



Apr 18, 2021
5477
I left an unpaid credit card. How to check if I have a case against me?

0
Q: Good Day!
I left an unpaid credit card loan of AED 3,000 in Dubai last 2019 (My credit limit is 5,000).
Since 2016, I had my card deactivated & just paid the minimum monthly till 2019. I was laid off from work & so I did not pay the balance.
As far as I remember, I did not give a security cheque to the bank.
Will they still file a case against me?
And also, my sister who is still in Dubai went to check if I have a civil case at Muraqqabat police station & was told that my name has no case. Can I rely on the police report?
Is it possible that the bank forgives a defaulter like me?
Thank you


Nov 17, 2022
278
Legal blog
1 available 1 • View allThe Consequences of Job Loss and Defaulting on Financial Liabilities 26
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.
Feb 12, 2019
18895
Laws & Regulations
3 available 3 • View allFederal Law No. (3) of 1987 Promulgating the Penal Code 29
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.
Dec 8, 1987
47905
Federal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates 96
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.
Dec 15, 1985
148372
Federal Decree Law No. (14) of 2020 Amending Certain Provisions of the Federal Law No. (18) of 1993 Concerning the Commercial Transactions Law 4
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.
Sep 27, 2020
3531

Other answers by
421 421 answers •
View allPayment recovery for delay in the delivery of purchased property 0
Hi,
I need to hire a property lawyer.
I have purchased a property that is still under construction. The handover was supposed to be May 2018 and it has been delayed for over 18 months.
Can you please advise what is the average fee to the lawyer and any upcoming fees?
I would like to either receive compensation for the delay or terminate the SPA and receive what I have paid.
Thanks
Nov 10, 2019
371
Termination of services due to cost-cutting 0
My company terminated my services without any reason except for what they told me that they are cost-cutting.
What are the complete benefits that they have to pay to me beside the gratuity?
I worked there for 3 years.
Nov 10, 2019
954
Court fee for filing civil case of cheque bounce 0
What is the total fee for instituting a civil case for a bounced cheque of AED 4 million?
Nov 8, 2019
4856
Mutual Termination vs Resignation 0
Is it possible to request a mutual termination of the contract from the employer?
My employer recently asked me to submit a resignation. Since it's not legal for him to do this and since I don't mind leaving the company for better opportunities, is it legal for me to request a mutual termination of contract letter?
What are the important things that should be stated in the letter?
Nov 9, 2019
1682
Termination for non-performance and claim for arbitrary dismissal 0
Hi,
I am the GM of a company in the Internet City and the VP Sales MEAA.
My contract has been terminated after 13 years due to some results that did not meet the company expectations.
No process was followed prior to termination. I wish to know if I will have a claim for arbitrary dismissal.
Regards
A. D.
Nov 5, 2019
1077

Premium
Other answers by
451 451 answers •
View allAre there any restrictions on a diplomat buying property in the UAE? 0
Hello,
Is there any restriction on a diplomat buying property in the UAE, where he works as a diplomat at his country's consulate?
Feb 20, 2025
71
If someone has a case in the UAE, can they travel to another GCC country? 0
Hi.
One of my friends joined a Telegram group. They said, "We will transfer some amount to your account, and your task is to transfer this amount to another account. Once the task is completed, you will get 30 or 50 AED per task."
He completed 3 to 4 tasks, but he realized it was not good, so he stopped. After one week, when he opened his account, it was blocked, and the bank said, "We are conducting an investigation; after this, we will let you know."
After some days, he had an accident and went to his home country. He then received a call from a landline number, which was from the Abu Dhabi police station.
They said, "We have received a complaint against you; come to our investigation department." However, due to his surgery and treatment, he could not go.
After some time, his bank account was reopened, and he did not receive any further calls. I want to know, if he comes back to the UAE or goes to any other GCC country, will he face any problems?
If someone has a case in the UAE, can they travel to another GCC country?
Please advise!
Feb 17, 2025
136
What can I do if my employer refuses to pay me and I have no contract? 0
Hello,
What legal action can I take in case the employer refuses to pay my salary and I don't have a contract with them?
Feb 18, 2025
123
I want to open an online shop. Do I need a license to open an Etsy shop? 0
I currently live in Sharjah and have a UAE residence visa but I am not a UAE or GCC national. I want to open an online shop (Etsy or Shopify) to sell handmade items, such as crocheted goods, bookmarks, greeting cards, etc.
Do I need a license to open an Etsy shop?
If so, which license do I need to sell my products online, including UAE and worldwide?
How much would it cost me?
Can I keep my residence visa (sponsored by my father) and not change it?
Feb 14, 2025
119
How can we locate a person with an ongoing legal case? 0
Hello,
I am seeking your legal advice regarding a friend who was previously imprisoned in Abu Dhabi. His case there is now closed, but he has another ongoing case in Dubai.
Currently, we have lost contact with him and are unsure of his whereabouts. How can we check where he is or access any other legal facility?
Are there legal procedures to locate a person with an ongoing case?
What steps should we take to get more information about his status and legal position?
Feb 11, 2025
144
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