Q: I am into diesel trading business. One of my customers owes me AED 144,500. He issued me two cheques of 100,000 of each. He told us he had 10 heavy vehicles. We supplied diesel to him for two months. He defaulted on payments and stopped answering calls. After this default, I inquired with one of his drivers and he told me none of the 10 vehicles is owned by him. He along with his colleagues, present themselves as a transport company and defraud the diesel supplier by issuing post-dated cheques to them and selling the diesel purchased in the open market at half the price. I have already filed a cheque bounce case against him. Apart from the cheque case, can I file a cheating case against him? If possible, what are the documents required to file such a cheating case?

Q: I have recently filed a criminal case against a customer for AED 1,300,000. I have found out that he has given an application to the court to get a fine on this bounced cheque amount. Is it possible to be fined at this amount? How can I proceed further to place a travel ban on him and ensure that he does not get fined? It has been 5 years since this liability is due. Please help me on what  I should do next.

Q: Hi Mr Naser, Thanks for your fast response. We are based in Abu Dhabi. Q.1 As we know that for a rent cheque bounce after the police case is closed and the civil case is opened, will the judge decide on the amount for instalments in this civil case? Won't he consider what we say how much we can pay? Q.2 During eviction case, when the rent/lease expires and since the lease is now connected with Tawtheeq which expires as well, will ADDC cut my electricity during this time? Q.3 My friend has a bank loan of AED 60K approx from a bank here in the UAE and he did not pay for the last 7 or 8 months. This bank has a branch in Pakistan. If he travels to Pakistan due to an emergency and the bank proceeds with its action, what action(s) will that be? (So far no action from the bank) Q.4 If he goes to Pakistan, what will be the consequences for an already running civil case of a bank loan default? Q.5 for a credit card security cheque bounce, can a bank directly file a civil case?

Q: If I have an RDC case and I am unable to make payment as per the court order. Can I negotiate with the landlord directly? In how many installments can I pay the amount?

Q: The rent is 3300 and he said the cheque return is 1050, and the open case file is 1000 while the closed case file is 2100. I told him to allow me to split the payment; first I would pay the rent and pay the legal fees with one cheque, but he said no that I needed to pay the full amount at once. So I told him I don’t have that amount now that is my fate. He told me to wait for the next hearing and that I would receive another notification from the municipality office after a month that after then they would tell me what to do. I believed him and I was waiting for the second hearing until I received another letter yesterday from the municipality giving me seven days to pay up and vacate the flat. Please, what can I do?

Q: I have a RERA case against me, and an order has been passed. I want to know the following: 1: How can I check if my bank has an order for salary deduction? 2: Will any other payments coming into account also be deducted?

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.

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.

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 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.