Questions & Answers
Questions & Answers
8 available 8 • View allBank account of a terminated employee
7
Q: I need your assistance, please.
I believe that the Central Bank of the UAE may freeze the bank account of a terminated employee. We have a client in the UAE and need to know what the employer’s obligation is to inform the bank when an employee’s contract is being terminated.
Is there a specific format that must be used to inform the bank or what is expected of the employer?

May 16, 2016
12056
Failure to pay installments of bank loan
75
Q: What happens if I failed to pay several installments from my personal loan from the bank?
I have not received any warnings or notice to pay, does this mean they filed a case or they must send me a notice first.

Jun 1, 2016
71513
Settlement of credit card debts with the bank to avoid imprisonment
23
Q: I have four credit cards which I am using last 5- 6 years.
My financial situation has currently changed dramatically, and I am not in a position to repay the minimum payments.
Until the last month, all the payments were accurate. All four credit cards entitle to use AED 100,000.
As per my knowledge, the bank will file a case against me and I would like to know what actions can I take to avoid prison.
In addition, I think I need a lawyer so that he can take care of my documents and release me if they will catch me. Could you please tell me what will the next step be?
How can I get a court decision in my favor and obtain a police clearance certificate after all this?
Thanks.

May 24, 2016
39930
How to open a bank account in the UAE without visiting a bank in person
1
Q: Is it possible to open a personal bank account in the UAE without visiting a bank in person? Can I authorize any other person to be my legal representative for this purpose or, may be, send the required documents via courier service?

Mar 15, 2016
3400
Settlement of a bounced cheque to issue a new employment visa
1
Q: There was a case filed against me in Muraqabat Police Station for bouncing cheque.
I was not able to pay my loan for more than 4 months as I lost my job and unable to pay. I informed the bank and negotiated with them, but they want me to pay at least half of the loan amount.
My problem now is that I got a job offer but my new employer cannot issue an employment visa for me as I am in the blacklist status.
My previous employer also cannot cancel my visa, they were able to cancel my labour card and already beyond the grace period of 30 days.
My previous employer told me that they will present my passport to the visa section and file an absconding case against me.
Please advise if they can really push filing an absconding case against me?
What shall I do regarding the bounced cheque so that my new employer can process an employment visa for me?

Aug 14, 2018
3025
Holding the EOSB by the bank in case of a pending loan
5
Q: I am no longer in the UAE.
I have received the End of Service payment that the bank has blocked.
I have asked the bank to release part of the payment (30%) so that I can support myself and my family, and use the rest for the next 6 payments of the 24 remaining payments of my loan.
I want to continue with normal loan instalments until the loan is fully paid, but they said that they will forward the case to the collection department.
I have always paid my instalments on time and in full, but I have no possibility of paying the outstanding amount.
Is there any formal reason that I cannot continue to pay off the loan when I am outside the country?
Is this not against Sharjah law to deprive someone of means of subsistence by blocking the funds?
Is this not against Sharjah law to put someone in a bad credit situation and thus to deprive his human dignity if he says I want to continue regular payments and has always paid before?

Aug 31, 2018
6274
Holding the EOSB of an employee by the bank upon changing jobs
8
Q: Hi,
Good eve, Madam.
I have a query regarding EOSB. I resigned from my previous company and my EOSB was held by the bank due to my existing loan until I can provide them with new documents for my current job.
Let's make things short. I provide them with a new visa and salary transfer letter addressed to the bank.
Unfortunately, upon presenting all the documents, they informed me that the new company is not listed in the bank.
Do the bank have the right to use my EOSB to adjust my remaining loan?

Jan 29, 2019
2902
An employer asks the employees to sign cheques to get their salaries
4
Q: My previous employer had a policy where we had to give him a cheque for 15,000 AED addressed to the company in order to receive the salary. This way we could not leave the company before finishing the contract.
I had no choice during that period as I wanted a job badly and gave the cheque. In return, I sent an email to the company stating that I am giving the cheque as per the company's request and I haven’t taken any loan from the company.
In 3 months, I got fed up with various unfair policies in this company and left. I didn’t sign a labor contract with the company as I was working on a visit visa. When I left, I requested my cheques back but got no response.
Just yesterday, this company bounced my cheque.
Can I go to the police and complain against this employer?
What are my options now?

Nov 4, 2021
848
Legal blog
4 available 4 • 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
18892
Can My Employer Hold My Passport? 10
An interview-format article covering the topic of an employer demanding to hold an employees passport. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of LAWGICAL with LYLAW.
Jan 15, 2020
8409
An Overview of the New UAE Labor Law and Recent Amendments of 2024 233
The UAE has adopted a major reform in its legislative system that brought about 40 new laws and amendments to the company law, criminal law, personal status, among others. The amendments aim to develop the legislative structure in various sectors, the labor law being one of these, was the most recent. We try in this article to shed light on the changes introduced with the new labor law and their significance on both, the employer and employee.
Sep 10, 2024
90284
How Do You Ask a Lawyer? 11
I believe that there is a similarity between medicine and law, and just as there is a way to ask a question to a doctor to get the most accurate and correct answers from him, which ultimately helps you receive the correct diagnosis, and therefore the correct treatment, there is a way to ask a lawyer.
Jun 12, 2023
1142
Laws & Regulations
2 available 2 • 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
33003
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
19086

Other answers by
46 46 answers •
View allWhat to do in case of issuing cheques to a friend for rent and is not paying the amount? 0
Hi Ms. Jennifer,
My friend in Dubai opened her dance studio in Karama & requested me to give her 4 cheques in my name as they had some issues opening an account.
She assured me that every alternative month before the due date of the cheque she would deposit the said amount in my account. The 1st cheque was on 10 Nov 2022, for which she put the amount in my account.
On 10 Jan 2023 was the 2nd cheque & this time she did not put the money in my account, I borrowed money from my known sources to avoid the cheque bounce case.
It has been 13 days now & she has still not deposited my money in the account. How can I get out of this situation?
I want to take back my 2 pending cheques from the landlord as the class does not belong to me, I just helped on humanitarian grounds & this is what I got in return.
I have been messaging her pleading with her to deposit the money in my account but she has been giving me excuses.
Please guide & help me.
Jan 23, 2023
453
Starting a new business after closing the old one 0
Dear sir/madam,
I am planning to start a new business in the UAE. I left my old office and planning to go for the registration of a new license.
Is there any legal issue to start a business? And can I approach my existing clients for the new business?
Apr 18, 2022
266
Refusing to return the remaining rental cheques despite providing a proper notice 0
Dear sir/madam,
Can a landlord refuse to return the remaining rental cheques if the tenancy agreement has been terminated earlier with proper notice in place?
I am vacating a quarter earlier, but the landlord refuses to return the 4th quarter cheque until I vacate the premises and he makes post-inspection despite having a separate security deposit amount in place.
Feb 14, 2022
868
Is it possible to settle credit card debts after losing job and leaving the UAE? 0
Hi,
I was laid off in June 2020 during COVID19 and had credit cards in several banks. I had to leave the country but was still paying the banks up until September 2021.
So I was getting calls from the bank, and the last one was maybe in December 2021. A new law came into effect this January, so the cheque bounce was decriminalized but the civil case is still there and a new option of some kind of execution is also there now.
I don't know if I got any cheque bounce, do I get a notification on my email or SMS on my mobile? (My mobile is still active and I am outside of Dubai since then).
Also, want to ask- under the new rule does the execution smth can lead to imprisonment and/or a travel ban? And if yes then for how long?
Will I be able to come to Dubai and find a job if the execution case is there?
Thank you
Feb 7, 2022
492
Vacating an apartment by the landlord upon tenant's refusal of the new contract 0
Hi,
I have a query regarding a contract renewal. I have given notice by the notary public to my tenant to vacate my apartment.
He is not agreeing on terms and conditions and is asking to have the same terms and conditions as the previous year's contract, for which I said that I will not sign the contract which contains renewal terms and conditions.
(I told him 90 days before the current contract expiry date that I am not willing to renew and I will give the notice to vacate).
So if I do not sign the contract and it gets renewed automatically, can my tenant challenge the notice by a notary public at the time of vacating the apartment?
Thank you!
Jan 24, 2022
512
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