Questions & Answers
Questions & Answers
4 available 4 • View allConsequences of defaulting on the payment of loan EMIs
10
Q: I have a personal loan with a bank amounting to approx. 180000 (Principal) post deduction from my end of service benefits. I was terminated from work on 10 Sept 2018.
Right now I am in India. My first EMI got bounced on Feb 2019. Please help me know what is the maximum punishment by the court in such a case. As of now, I am jobless.
If I come to Dubai to search for work, will there be a travel ban to exit from the UAE?
How can I extend my stay in Dubai as I will enter the UAE on a visit visa?
Can a settlement be through the insurance company as I was terminated by the company?
As of now, there's almost no chance to get any work in the UAE. Hence I am bankrupt.
What I can do in such a case?
Will I be able to work in the UAE and get a work visa if a case is registered?

Mar 25, 2019
1498
Failure to pay a personal loan and consequences of the civil case


26
Q: I am an engineer and I was working in a construction company in Dubai where I am based. I have issued a cheque of AED 150,000 for a personal loan with a bank.
Due to the lack of work and the company terminated me for 2 months, I am suffering from my personal loan and the bank filed a case now.
5 months back, they filed a case which I don't know for a travel ban and I was in jailed 4 and half days. After that, I paid AED 10000 to Dubai court after they released me.
I heard that civil cases now are not punishable again by jail sentence like before. Is it true?



Jun 12, 2019
11682
Negotiating with the bank to restructure outstanding loan payment
6
Q: Hi,
I have taken a loan from the bank worth AED 450000. I lost my job in 2016 and was unable to pay the instalments, then left Dubai.
Bank people never contacted me and I left as I was unable to pay the monthly instalments. Now I am in India.
I have got another job in Dubai and I am very keen on joining it.
I contacted the bank through email asking their help to sort this, they asked me to call the call centre.
When I called the call centre no one was able to help me, they just said "we will get back to you", but no reply yet. For 1 month, they are not able to help me.
Now, I have to join my new job in Dubai asap, and unable to understand what to do. I am ready to pay half amount now and remaining half in instalments on monthly basis.
But I don't know whom to contact and how to get this sorted.
PS: I don't have any friend in Dubai who is ready to help me and go and negotiate with the bank on my behalf. I am just trying to call and sort on my own.
Please help and guide me.

Jul 17, 2018
4531
كيف يمكن تسوية مبلغ بطاقة ائتمان وقرض قبل العودة إلى الإمارات؟
0
س: سلام عليكم.
غادرت الإمارات فجأة بسبب ظروف طارئة في عام ٢٠١٩ وكان علي مستحقات لم تدفع في بطاقة ائتمان بقيمة ١٠,٠٠٠ درهم وقرض بقيمة ٤٥٠,٠٠٠ ألف درهم.
أكد صديق موثوق لي بأن لديّ قضية في نيابة أبو ظبي بالفعل وهناك غرامة بقيمة ١٠٠٠ درهم يمكن تسديدها عبر الإنترنت بسبب بطاقة ائتمان، ولا يوجد أي قضية أو بلاغ بشأن القرض!
ولكن هناك شركة تحصيل من خارج الإمارات تتواصل معي دائماً بشان القرض. لماذا لم يرفع البنك بلاغاً ضدي في الإمارات بشان القرض؟
هل يمكنني السفر إلى الإمارات للتسوية من داخل الإمارات، وما هي المخاطر؟
شكرًا لك على مساعدتك.
يرجى تقديم المشورة بشأن الإجراءات التي يمكنني اتخاذها لتسوية مشكلتي.

Oct 12, 2021
239
Legal blog
2 available 2 • 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
18910
Online POA and Other Notary Public Services in the UAE 28
With the introduction of the new procedures for obtaining a power of attorney (POA) remotely in the UAE, after it was mandatory to appear in person in front of the notary public as a global rule to ensure the identity and intention of the person requesting a POA, we put between your hands this brief guide for how you get it done.
Jun 8, 2021
19204
Laws & Regulations
2 available 2 • 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
47926
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
148443

Premium
Other answers by
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
83
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
153
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
135
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
142
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
159

Premium
Other answers by
240 240 answers •
View allHow to change the lease contract for an entity that changed from sole establishment to LLC? 0
Good morning.
Kindly help me out with the below query:
If a sole establishment is converted into an LLC, what would happen to the existing Lease Agreement with the Sole Establishment as the tenant?
Thank you.
Aug 23, 2024
126
Bank filed a civil case over a loan: Better to settle with the bank or in court? 0
Good day, Sir,
I have received a message from the Dubai Court stating that a bank has filed a civil case against me. The loan has been pending since February 2019.
I cleared the cheque bounce case earlier with a court fine in 2019. I am looking forward to a minimum settlement plan with the bank. The outstanding amount was around 70,000 AED, and now the message is for 115,000 AED.
What will be the best way for me to proceed: approaching the bank or dealing with it in court?
Best regards,
Jul 7, 2024
542
Is it legal for my employer to withhold my salary until I leave the country or change status? 0
Hello,
I have given my notice, and my last day is July 24, but the employer is refusing to pay my salary; even the salary for June. Is this even legal?
He claims I'll get everything at once, which is after leaving the country or changing status.
Jul 2, 2024
555
Demanding that an employee pay for visa charges a year after resigning 0
Dear Lawyers,
I worked at a bakeshop here in Dubai. I resigned exactly one year ago. Now they want me to pay for visa charges, as stated in the offer letter.
If I cannot pay for the charges, my employer will claim financial loss due to the damages, estimated to be at least 7,000 AED.
What should I do about this? My monthly salary is only 2,800 AED.
Jul 1, 2024
129
Is an employee eligible for maternity leave in the first three months of pregnancy? 0
Dear Lawyers,
Is an employee eligible for maternity leave in the first three months of pregnancy?
If an employee takes sick leave in the first three months of pregnancy, can it be considered normal sick leave or maternity leave?
Jul 1, 2024
183
Get quotes from lawyers
Find the right lawyer for your legal needs.
Submit your request and get multiple
competitive offers from
qualified lawyers.
Popular Q&A
View all Looking for something else?
Ask for advice from a lawyer