Questions & Answers
Questions & Answers
8 available 8 • View allBounced cheque case for defaulting on loan payments
3
Q: Hi.
I have a case filed against me by the bank last month end for failing to pay 2 EMIs.
I have been unemployed since April 2017 and have managed to pay my EMIs from the settlement I received from my previous company and some other EMIs by borrowing money from friends and families.
I have not been able to find suitable employment during this time and I have AED 52,000 to pay the bank (the original amount being AED 254,000).
The cheque bounced by the bank is for an amount of AED 77,100.00. My overdue EMI is AED 9,800, while my outstanding is AED 52,000. The 4-year loan will finish tenure by July 2019.
Before the case was registered by the bank, I had emailed them (also spoke with their rep) to give me a loan deferment, however, they chose not to respond.
Please advise on the next possible actions. I still have not received any calls from any legal authorities. Will I have to face jail term or deportation?

Jan 20, 2019
981
Settlement of a bank loan and lifting travel ban and cases
8
Q: I have a police case for a bounced cheque last year March 17. It was against a loan which I drew but later I changed my job.
I left the UAE and came back, but before I can do something the bank felt insecurity and immediately they submitted my security cheque to the police station and put a case on me.
The same day, I paid the fine and came out. Later, I joined a new company and provided the necessary documents and new security cheque.
My account was then regularised (After resigning from the previous company my account was frozen) and since then everything is fine. Now, I want to settle my loan in full. I already mobilised funds needed.
I want to know asap if I settle the loan in full, how the travel ban or police case will be removed? Will the bank do everything and give me a clearance letter?

Apr 19, 2018
8614
Outstanding debts and interest on loan and credit cards
1
Q: Hi,
My name is A. I want to get your advice about my debts.
I have 7-8 cards worth 250k and 200k personal loan. My salary is just 10k and I have my family with three grown-up kids and 60-70% of my salary goes in school fees, rent and other related expense.
My personal loan is auto-debit that means I am left with nothing to pay the instalment of the cards. I need your help in settling this issue on priority. I am overloaded with debts and need immediate help.
I have spoken to the banks and explained my problem; they are least bothered. Interest and late payment fees keep on mounting up making the amount a big challenge.
The banks have been charging me interest for years and still no help is expected from them. I would request you to suggest some amicable solution to my problem.
Looking forward to your valuable suggestions.
Thanks,
A.

Jun 18, 2019
670
Time frame to get a travel ban removed after loan settlement
9
Q: Dear Ms. Rajasree Ravivarma,
I need your help to know how much time it takes to get the travel ban removed after the loan settlement amount is paid to the bank?
I am in discussion with the bank to settle my loan amount.

Mar 22, 2021
1786
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
238
Removing a travel ban and a criminal case upon settlement of a loan

3
Q: Dear sir/madam,
I had an unsettled loan in Dubai way back in 2016. I was struggling in the past few years, especially during the pandemic. I want to settle my loan and go back to Dubai.
If I will settle my loan, are they going to lift the travel ban and the criminal case against me?
Is there any chance I can go back and work in Dubai?
How long will it take to settle and lift my travel ban?
Is there any way to lessen the amount of my loan?
I really want to settle this and go back to Dubai.
Thank you for your help!


Jul 25, 2022
1302
هل الأفضل التفاوض على تسوية القرض قبل مغادرة الإمارت أم بعد السفر؟




2
س: هل الأفضل التفاوض على تسوية القرض قبل مغادرة الإمارت أم بعد سفري لكندا؟
وهل يمكن أن يقبل البنك تمديد فترة السداد من ٤٨ شهرًا إلى ٩٦ شهرًا؟





Oct 19, 2023
160
I paid my landlord in cash in advance and he deposited my cheque. How to correct my AECB score?




0
Q: I paid my landlord in cash 10 days in advance and he still deposited my rent cheque. My perfect AECB score maintained for 9 years is ruined.
How can AECB be reversed and compensated if AECB cannot be corrected?
The cheque value is AED 16,250 and I have sufficient evidence + receipt from the landlord.





+3
Dec 5, 2024
55
Laws & Regulations
3 available 3 • 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. (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
33033
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
1601 1601 answers •
View allWhat is the legal process of acquiring 50% ownership stake in a local company in Dubai? 0
A local company in Dubai intends to acquire a 50% ownership stake in an auto repair business currently owned by an individual (100%).
We are seeking professional legal advisory services to guide us through the acquisition process.
Apr 11, 2025
81
Can I file for mutual divorce from Dubai as an Indian resident and my husband works in Saudi? 0
Needed to know if I am eligible to file for mutual divorce as an Indian expat living in Dubai and holding an Indian passport and also have Canadian PR.
My husband is a Canadian citizen working in Saudi on a work visa.
What are my rights?
Can I ask for alimony?
Can I file for divorce from Dubai?
I have no children from the marriage.
Mar 21, 2025
91
What are my options after my rental renewal offer and deposit was rejected by the owner? 0
Hello,
I submitted an offer and deposit through the trustee office, but the owner rejected it. What is the next step?
They sent an email notification stating that if not renewed within the contract's end time, 500 AED will be deducted for each additional day of stay.
Mar 20, 2025
63
How can I cancel my visa and POA for financial matters if I have a travel ban for company bounced cheque? 0
I am seeking urgent guidance regarding my current visa status in the UAE. I was previously employed by a company that has now shut down, but my visa is still under that company.
During my tenure, I held Power of Attorney (POA) for all financial matters. However, after a cheque issued by the company bounced, the owner revoked my POA without my knowledge.
The company officially closed last year, and the owner (a lady) has been missing since the case emerged.
No one from the company is responding, and I am currently stuck in Dubai due to a travel ban imposed on me related to this case.
I need clarification on the following points:
How can I cancel my existing visa under this closed company?
Will I be able to obtain a new visa under another company despite the travel ban?
Are there any legal blocks or restrictions affecting my visa or employment options?
What legal steps can I take to resolve this situation?
I would appreciate your guidance on the next steps and any possible solutions.
Mar 20, 2025
76
Does a cheque bounce effect my AECB score ? Is there a policy for this? 0
Does a cheque bounce affect my AECB score?
Is there a policy for this?
Mar 20, 2025
89

Premium
Other answers by
186 186 answers •
View allI secured a mortgage from the bank and the broker kept delaying until the MOU expired. What to do? 0
Hi,
I need some guidance regarding a property transaction that is not progressing as expected.
My broker initiated a manual Memorandum of Understanding (MOU) between me (the Buyer) and the Seller, with an expiry date of 01/02/2025. Within this period, I successfully arranged the bank mortgage, property evaluation, and NOC.
However, the broker started giving excuses, such as the seller being hospitalized. Later, the broker attempted to arrange a Power of Attorney (POA).
However, after that, they started ignoring my messages and calls. It now seems like they no longer intend to proceed with me, and the MOU has already expired.
Meanwhile, my bank EMI has already started, and I have paid two monthly installments. The broker is still unresponsive. I have raised multiple complaints through DLD RVS against the broker, but the response has been very slow and unsatisfactory.
I’m feeling stuck and financially burdened.
Please advise
Apr 9, 2025
109
What can I do with the contractor I paid to build my house and disappeared before completion? 0
Hey,
I'm building my house in Dubai, and it was going well.
I gave the contractor 420k as a first payment, and we both agreed that the rest would be in installments. Just two months ago, the contractor went off the grid, and I can't find him.
All I have is a security cheque that bounced back when I went to the bank, as the signature doesn't match what's in the file.
However, I learnt that he does have money, but not the amount that's in the cheque.
What should I do now to get my money back?
I need advice.
Apr 8, 2025
111
Transferred within the same UAE group. What happens to my benefits and allowances? 0
Hello,
I was an employee of a major group in the UAE. Now, they have transferred me to another entity within the same group in the UAE.
What happens to the benefits and allowances agreed upon by the first entity?
Please provide the legal details related to this matter, along with the relevant statutory provisions.
Mar 7, 2025
80
How to recover unpaid fees from a client who refuses to pay for online consulting services? 0
Hello,
A client of mine used our consulting services online and is refusing to pay. Despite multiple reminders, she still has not made the payment. What legal action can I take against her?
Mar 7, 2025
91
Juvenile case withdrawn, but the prosecution refuses to drop it. What happens next? 0
Hello,
A juvenile case has been withdrawn by a third party, but the prosecution doesn’t want to end it.
The child is out on bail. Now the case has moved to court.
What steps should be taken next, or how will they handle it?
Feb 26, 2025
62
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