Questions & Answers
Questions & Answers
7 available 7 • View allCan the bank deposit my security cheque if I fail to pay 3 loan installments?
9
Q: Hello,
I am 3 months behind on my bank loan with FGB. I have told them that I can pay up 2 months on THURSDAY 2nd Nov 2017. The loan is in my business name and they are threatening to deposit the security cheque of 330,000 Dhs for the outstanding full balance of 250,000 Dhs.
Can they do that? Is that even legal?

Oct 29, 2017
8206
Bounced cheque consequences: criminal penalty and civil case
27
Q: Hi madam,
If a lot of cheques equal to AED 300,000 have been bounced and cases are filed and a travel ban imposed, what will be the punishments or consequences to be faced if caught?
I can't afford to pay back even 1,000 Dhs. Will I have to pay the full amount?
Please advise.
Thanks

Mar 12, 2017
39101
Bounced cheque case for defaulting on corporate bank loans
0
Q: Hello Sir,
I would need legal representation in an expected cheque bounce case with banks due to unpaid EMI for company loans.
Total value will be AED 1.9 Million with 5 banks. Largest is AED 900K and two are below 100K.
Please advise how to proceed.

Jul 2, 2018
720
Visa renewal during the pendency of criminal and civil cases
79
Q: Can someone renew his residency visa if a civil case is filed against him?
I had a criminal case last year (June 2018) due to bounced cheque (credit card issue). I have not paid the fine yet of AED 10,000.
My visa renewal is due on May 2019. I don't know if the bank has filed a civil case already.

Oct 23, 2018
26500
Settling a loan after getting arrested and paying the fine



3
Q: I have been already arrested for a cheque bounce, paid fine to the court and get released.
The cheque amount is 35000. Now the bank is asking me again 57000 and wants to make it one installment or, maximum, six installments; 5800 monthly. It is impossible; my salary is just 8000. I have family and kids.
They are now forcing that they will take action against me in my home country. They are threatening my parents in my home country.
Please help me!




Mar 24, 2020
797
Changing the punishment of a bounced cheque case from jail to fine



1
Q: I have a bounced cheque case which was filed in Bur Dubai Police Station in December 2016 for AED 80,000/-, and in 2017, the judgment was issued in absentia (One-month jail term).
Please note that I have already paid AED 35,500 to the claimant in instalments even before the judgment was passed. Also, this judgment was issued prior to the implementation of the fine system for cheque value AED 200,000 and below.
My question is, can I convert this judgment to a fine without me visiting the police station or will I have to serve the jail term?
Kindly advise on the possibilities.




Jul 13, 2020
695
How to settle possible cases for a bank loan and return to Dubai to find a job

0
Q: Last year, in 2020, I had to leave Dubai due to a personal issue and I still had an outstanding loan.
And now I want to go back to Dubai ASAP to find a job. What should I do?


Apr 1, 2021
391
Legal blog
4 available 4 • View allBounced Cheques in the UAE: What You Need to Know in 2024 291
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.
Oct 15, 2024
221928
The 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
18890
What Happens If I Overstay My Tourist or Resident Visa in the UAE? 35
An interview-format article covering the topic of overstaying your tourist or resident visa in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW. Ludmila discusses the aspects of overstaying, like fines, grace periods, exemptions...etc.
Feb 16, 2020
49220
Laws and Procedures Related to the Dishonoring of Cheques 7
As the civil and commercial transactions in the UAE have been growing rapidly, and due to replacing cash with other financial instruments such as cheques for big amounts of money, this had caused some hiccups at times leading to criminal and civil consequences on the person who defaults on fulfilling obligations.
Feb 24, 2020
3028
Laws & Regulations
3 available 3 • View allFederal Law No. (18) of 1993 Issuing the Commercial Transactions Law 19
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.
Sep 7, 1993
33002
Federal 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
47897
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
3528

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453 453 answers •
View allTerminating an employee after sick leave and claiming compensation 0
Hello,
My employer fired me under Article 44 for not showing up for work for 7 days in a row. But that’s not the case at all. I was sick and the management was aware and they let me go.
I went to another country to get treatment because it’s expensive in Dubai. My employer did not pay me my salary for the month I worked and fired me.
I have official sick leave from another country and there is correspondence where my employer sent me to another country for treatment.
The problem is that the employer says that he will take compensation for the training that was specified in the contract, but I did not undergo training at all; I immediately started work from the first day of work and there was no training.
Does my employer have the right to charge me such a fee and not pay my salary?
Feb 29, 2024
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How to make the seller hand over the tenant's security deposit to the buyer upon completing a sale? 0
Should the seller in Dubai hand over their tenant's security deposit to the buyer upon completing a sale?
Who is responsible for managing this process?
At the time of the exchange, the broker said he would follow up with the seller and collect the deposit.
He hasn’t, and the seller has not handed over the deposit.
Feb 8, 2024
417
How to deal with in-laws provoking and recording reactions? 0
Dear Sir/Madam,
My husband's family constantly provokes me and then records my every exaggerated reaction.
Now I'm worried that they might use those things against me.
Feb 8, 2024
236
How to cancel the MoU to buy an apartment with the broker if the bank did not approve the loan? 0
Hi,
I have a situation where I signed an MoU and gave my security deposit to the seller's agent. However later, the bank valuation of the property is lower than the selling price.
On my MoU, it has a clause that “the buyer has a right to cancel/negotiate if the bank valuation is not the same as MoU.” I tried to negotiate, however, we didn't agree on the price so I asked to cancel.
Now the agent is threatening me that they will not cancel the MoU and that will deposit my cheque. Later I also came to know that the person I am dealing with is not the same person whose name is mentioned as a broker in the MoU.
The agent I am dealing with is constantly messaging me with threats. I decided not to speak to him and instead, I wrote an email to the broker whose name is mentioned on the MoU but received no response.
I am on a very tight timeline as I need to vacate my apartment in 3 weeks, I found another unit but I don't know if I can pursue this while the initial MoU still not canceled.
Please, I need advice.
Feb 8, 2024
612
Employer asking for visa reimbursement after resignation: do I need to pay? 0
Hello Sir/Madam,
I have already finished my first year with my company and resigned.
My employer is asking me to reimburse the cost of my visa because I did not finish my two-year contract.
Do I need to pay? The cost is 7,000 AED.
Oct 20, 2023
805
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