Questions & Answers
Questions & Answers
10 available 10 • View allProving the actual amount in a bank case for a personal loan 
3
Q: Dear Madam,
I took a personal loan from a bank for AED162,000/- and paid AED 139,000/-. Now, the balance is 84,000/- (with interest).
I received information that the bank has filed a case for AED 219,000/-. I did not pay the monthly EMI of AED 4,538/- for more than 6 months due to job loss.
How is the bank filing a case for 219,000/- instead of the actual amount?
What is the procedure to reply to the bank against this case?
Please advise.
Thanks and regards,
S.

Mar 26, 2019
1490
Negotiations with the bank for the payment of credit card dues
2
Q: I currently have two credit cards with a debt in the UAE and have left the country due to my daughter’s health. I have been in contact with the bank and tried to make the payments.
I have emailed with no response. I finally received a response from the collection department after many emails. I told them I wanted to make the payment and asked how.
They gave a method so I made the first payment and said I would continue to make a monthly payment.
Before the next payment was due, I received another email saying they were going to open a legal case against me for not making any payments.
I emailed again and sent the proof of payment. I asked if I could still make the monthly payments and I never received a reply.
Then I get another email saying they presented my cheque, which bounced, and they were going to seek further legal action in the UAE and country of residence.
I emailed again to sort this issue but haven’t received a reply. What are my options as I want to clear this debt?

Feb 27, 2019
2327
Acting against a civil case for a bounced cheque
5
Q: Salaam Alaikum
The bank bounced a cheque of AED 103,000 for my business partner and filed a criminal case. My partner has already paid "more" than the cheque amount of AED 106,585. We have full proof.
Only AED 53,000 was outstanding - this is mostly interest, legal charges, late charges and fines. The rest is all paid properly.
Unfortunately, this year his business had a lot of losses. As he was unable to pay the full amount, as per new Dubai laws and Police, he paid 10,000 AED fine and got the criminal case removed by the public prosecutor a few days ago.
Now, the bank told him they will file a civil case. What happens now? How many weeks will it take to get a court hearing and what's his recourse?

Oct 16, 2018
2606
Claiming credit card dues after returning double the amount
0
Q: Hi,
I have a credit card of 30k limit. I used it fully and paid them back almost 40k extra. I have receipts for 65000 or more.
They presented the cheque in police and filed a case against me but I paid them more than their actual amount. So now what type of punishment they can give me?
The cheque amount was 100k. I want to ask you, their limit was 30k but they presented the cheque with 100k.
Isn't it illegal? And what is the procedure to get rid of this tension?
I shall be thankful to you
Best regards

Oct 23, 2019
478
How can I prove that my cheques have been misused with a forged signature?


3
Q: Hi!
My cousin has used my name and cheques in order to acquire a flat in Dubai. I haven’t signed any document in person so I guess my signature has been forged (I have given her my cheques though).
In 2017, my cheques have bounced and she assured me that she was taking care of everything. However, in the last quarter of 2017, I found out that I already have a police case.
I went to the police station and paid for a fine however, I was told that the case has already been submitted to the RDC. Is there a way to lift my travel ban without paying the amount in full (AED 26,000)?
I have been trying to reach my cousin for years but she abandoned me and blocked me on all social media sites. I am really struggling and haven’t traveled back home for almost 5 years now.
Hope you can help me.
Thank you.



May 25, 2021
697
محرر الشيك شخص مختلف عن المدين. ماذا أفعل؟

1
س: قدمت شيكًا للمحكمة وادعى صاحب الشيك أنه استعمال مزور، علمًا بأنه ليس خطه وليس توقيعه ولم أكن أعلم ذلك.
ماذا أفعل؟


Oct 24, 2019
136
Should I file a criminal or civil case against forgery and fraud?

2
Q: I saw a news article that mentioned - the forgery of a tenancy contract (EJARI) is a criminal offense as it is a government document.
I have a business contract with an individual who was required to disclose the use of my investment. As part of the disclosure, he shared with me forged Ejari documents.
Therefore, I believe he has not only committed forgery but also committed fraud/cheating.
Can I file a criminal complaint?
Or is my relief only in civil court?


May 18, 2022
696
How to remove a rent case against me due to a cheque forged on my name?

0
Q: Back in 2017, I opened a bank account. Somehow the person I previously worked with got his hands on one of my cheques and used it to pay for rent where he lived.
I had no idea. I went back to my country around 2019. I never signed the cheque he forged my signature and I had no name in the Ejari or tenancy contract.
Still, the Dubai Land Department accepted the case. I came back to the UAE on a visit visa just a month ago in 2022 October. They stopped me at the airport and said I have an RDC case registered.
The case was closed 2 times since then but every year they activate it and the total amount I have to pay is 23,300.
Can you please advise me on what I should do?
I also put in an e-request on the RDC site to close the case permanently but the judge refused it.
Please advise me on what I should do and if this means I have a travel ban.


Nov 10, 2022
284
Can a company sue a bank issued a credit card with forged salary certificate?


2
Q: Dear Sir/Madam,
The bank processed a credit card under my ID without verifying my salary certificate from my employer.
Some of their employees forged the certificate, promising me a loan. They listed my salary as 18,500 AED per month, and the bank issued the credit card without confirming with my employer.
Can my company sue the bank for not verifying the salary certificate before issuing the credit card in my name?
My company never issued or stamped my salary certificate, and I didn't give it to the bank; it is 100% forged.



Mar 23, 2023
461
A civil case for a bounced cheque that I did not sign was filed against me by the bank. What to do?




0
Q: I require legal advice regarding a case related to a cheque bounce.
In 2023, a civil case was filed against me due to a bounced cheque. This morning, I submitted a request to the court to convert the case into easy installments, even though I did not have the case documents, as I owed a limit of AED 15,000 on my credit card.
When I logged into the MOJ website to check the judgment details, I discovered that the case involved two bounced cheques, each for AED 10,800, which I did not sign.
In 2014, when I applied for an auto loan, I received a credit card with a limit of AED 15,000, and I signed a guarantee cheque for that amount. However, I am confused as to how the two cheques for AED 10,800 each were issued.
The signatures on both cheques, which amount to AED 10,800 each, are completely different from my actual signature, with each having a different pattern. Who is responsible for this?
I would appreciate your guidance on this matter from a legal perspective.





+1
Dec 12, 2024
140
Legal blog
2 available 2 • 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
222014
Committing Forgery in Official Documents and its Consequences in the UAE 27
There are always conditions where people may fail to provide sufficient documents of a certain business or project they are willing to engage in, so they tend to commit an act of forgery with their documents to meet the requirements. But this act is a crime and it has consequences in law which we will try to cover in this article.
Dec 7, 2020
23240
Laws & Regulations
4 available 4 • 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
47912
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
148380
Federal Law No. (10) of 1992 On Evidence in Civil and Commercial Transactions 14
The provisions of this law On Evidence in Civil and Commercial Transactions (Law of Evidence) govern evidence in civil and commercial disputes in the UAE.
Jan 15, 1992
19098
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

Premium
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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
73
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
141
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
125
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
125
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
148

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
375
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
955
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
4858
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
1685
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
1082
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