Q: Dear Sir, I have not paid a loan amount of AED 82000/- due to job loss. The bank is threatening to deposit a security cheque for AED 220,000/-. How will the bank deposit more than the outstanding amount? If the amount exceeds the cheque amount of AED 200,000/-, what is the next action by me? Please clarify Thanks and regards Seshad

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?

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?

Q: I have a cheque bounce case in the UAE. Can I apply for Canada permanent residency from India? I am an Indian citizen and currently staying in India.

Q: Dear sir/madam, I was misled by information from the credit card company, due to which they overcharged me and was unlawfully demanding the amount to be cleared even though the mistake was from their side. They just deleted the email from their side when I highlighted they made a mistake in their communication and it wasn't my mistake. After this, they kept on harassing me and then I stopped paying my loan and credit card asking them to clear the issue. But instead, they bounced the cheque for 65k even though my card pending was 6k and the loan amount was for 29k AED. I now have a police case. What am I best supposed to do in this case?

س: السلام عليكم، أخذت قرضًا بقيمة 25000 وكرديت كارد بقيمة 5000 من شركة تمويل وقد حررت شيكًا بدون تاريخ وبدون تحديد المبلغ وكتبوا في الشيك مبلغ 100.000 بعدما تعثرت في السداد لمدة 6 أشهر. أودعوا الشيك وأخذت رفض وحاليًا البنك عمل تنفيذ وتم الحجز على حسابي البنكي بالكامل. ما موقفي في القضية؟ وهل يمكن أن أُجبَر على دفع هذا المبلغ بالكامل أم المبلغ الذي أخذته فقط؟ مع العلم أنا سددت حوالي 7000 من قيمة المبلغ ولدي النية بالتسوية والبنك لم يتواصل معي منذ أكثر من سنتين والرقم المسجَّل لديهم مُلغى.

Q: Dear Sir/Madam, I am seeking legal advice for my ongoing cheque execution case with a bank. I wish to open a dispute case against the bank for claiming more than I owe. However, to open a substantial dispute case, the court fees are around 20,000, which I cannot afford to pay in one shot. Is there a way to request the court to start the case with my passport as a guarantee, with a minimum amount, or to pay the fees in installments?

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.

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.