Questions & Answers
Questions & Answers
6 available 6 • View allNegotiation for the restructure of a loan with bank
3
Q: I have a personal loan at Dubai Islamic Bank. I was paying regularly but in 2016 me and my wife were having financial difficulties so I skipped 2 payments.
I kept paying regularly after that and wasn't able to catch up on that missed payment, and when my company was about to renew my visa, there was a case filed against me by the bank, so I got jailed.
To to cut it short, I paid an amount that was placed on what I am assuming the security check.
But until now they are still calling me and asking me to pay the remaining amount of my loan and threatening that they will file up another security check to got me jailed again.
I am very concerned and stressed as I am traveling by December of this year.
Kindly help please.
Thanks.

Nov 29, 2018
5181
Failure to pay bank loan and the possible legal action
9
Q: Would like to know what are the legal implications one has to face for not being able to pay the personal loan repayment.

May 8, 2019
3126
Negotiations with the bank
6
Q: Is a bank obligated by law or financial regulation to provide a payment plan for a credit card loan if the monthly instalments are too high?If the answer is no, what can I do to avoid legal action and only pay half the instalment which is what I can afford?

Nov 25, 2016
6323
The possibility to pay a small percentage of a bank loan as a settlement from abroad
1
Q: I was working in Abu Dhabi.
I have a personal loan amount of 82000 and 20000 of a pending credit card bill. I lost my job due to the current COVID pandemic. When I came to India for my annual vacation, my employer terminated me and canceled my visa.
I was not able to come back. Even tourist visa possibilities were less.
As everyone in India aware that this job loss and paying back the debt of a UAE bank is very tough. I am ready to pay some small percentage of the amount to the bank as a settlement.
Is it possible?

Oct 5, 2020
1570
How to settle a bank debt in the UAE to return on employment visa



2
Q: Hello there,
Need urgent advice, please.
I have defaulted on my credit card in Dubai for AED 250K almost since 2019.
I'm out of the country since then. The bank submitted the cheque to police in early 2020.
How can I resolve this with the bank, especially that I'm offered a job in the UAE that can help me pay my debt?
Will I be able to get an employment visa so I can work and pay the bank?
Will I get arrested if I enter now?
Please advise on what to do.




Jan 16, 2021
891
What to do to reach a settlement for credit card debt with the bank
0
Q: Good day Sir,
I have a credit card due of AED 6000. I left the UAE in 2019 but now I have to pay my total outstanding due which is AED 6380.
So I tried to mail the bank but I don't get any proper answer that they can give me any bank account that I can pay my dues or any settlement.
Now I am confused about what to do. Please guide me on this. I wanna clear this due. I got a travel ban also. I want to remove this burden from my shoulder.

Apr 4, 2021
381
Legal blog
1 available 1 • 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
18899
Laws & Regulations
3 available 3 • View allFederal 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
148384
Federal 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
47912
Federal Decree Law No. (14) of 2020 Amending Certain Provisions of the Federal Law No. (18) of 1993 Concerning the Commercial Transactions Law 4
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.
Sep 27, 2020
3531

Other answers by
34 34 answers •
View allHow long should the work visa take to be issued by authourities? 0
My visa is not yet approved by immigration but I have already signed my offer letter from my new company.
It has been 2 months already without any information on my new visa.
What could be the reason for the delay in my visa? My visa status is active until 9/04/2023.
Feb 16, 2023
157
Is it possible to resign after one year to go back to home country? 0
Hi,
Good day!
I have been working in my company for about 1 year and 1 month and I want to resign to go back home to my country.
Are there any consequences for that?
Any advice, please?
Sep 19, 2022
221
Reducing the salary of an employee before termination 0
Hello Nicole,
Greetings!
I have been working in a private company in Dubai for the last 13 years under an unlimited contract. Recently, they have made my position redundant.
I am now serving 3 months notice period as per the labour contract (2 months already served, I am now in 3rd and last month).
My employer has put me on forced paid leave to adjust my notice period against leave days balance. I need some clarification per below, please.
1. The employer is paying me a full salary for a notice period of 3 months. However based on the recent announcement from the Ministry of Labor (for Private Co. employees), can my employer reduce my salary temporarily/permanently in this last month of notice period?
2. If the answer to question 1 is YES, how will it impact the calculation of my end of service benefits like gratuity or leave balance encashment? Will it be recalculated based on the revised (reduced) salary?
3. Am I eligible to claim any other Termination/redundancy pay apart from gratuity and leave balance encashment?
Apr 6, 2020
1088
Charging an employee for employment expenses 0
Hi,
I am a first timer here in Dubai. My employer wants to charge me all her expenses incurred during my application; like medical examination, visa, work permit and the money she gave to my agency.
What should I do?
Mar 13, 2020
610
Getting the amount of a bounced cheque after car buying fraud 0
I sold my car and the buyer gave me a cheque. The cheque bounced because the account is closed. He is doing this as a regular business.
I have already filed a complaint to the police station and I'm waiting for the judgment from the court. Maybe he will get the fine only.
How can I get my money?
Which case should I file: a civil case or a car buying fraud case?
He may not have anything under his name. If a civil case is filed against him, he knows how to avoid this case .This person has more than 14 cases. Recently, he got out of jail. The issuer of the cheque is a local Emirati guy.
Feb 28, 2020
628

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
73
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
141
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
125
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
125
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
148

Other answers by
305 305 answers •
View allالضمانات التي تحصل عليها شركة التمويل مقابل إعطاء قرض 0
حصلت على قرض شخصي وكريدت كارد من مؤسسة للتمويل بإجمالي ٥٠ ألف وتعثرت لفترة والآن يطالبونني بدفع مبلغ ٢٠٠ ألف درهم بالفوائد وكنت أعطيتهم شيك بقيمة ٤٢ ألف وقتها.
سؤالي:
هل يوجد سند لأمر داخل عقد القرض (الأبليكيشن) الخاص بالشركة التي وقعت معها في البداية؟
أم لا يملكون ضمانًا آخر يُمكِّنهم من مقاضاتي به سوى الشيك الذي أعطيته لهم فقط؟
مع جزيل الشكر!
May 19, 2021
493
تقديم دعوى ضد مقاول استلم دفعتين من المال وأوقف العمل 0
هناك مشكلة مع مقاول إذ اتفقنا على بناء ملحق داخل منزل خاص ووقعنا العقد واستلم أول دفعة.
اشتغل حسب العقد واستلم الدفعة الثانية وأوقف العمل ويرفض المواصلة. تبين لي بعدما حاولت أن أقدم شكوى ضده أنه يستخدم ختم وعقد لشركة منتهية في سنة 2013 ولا يوجد لديه أي ترخيص.
كيف أستطيع أن أشكوه وبنفس الوقت أواصل البناء؟
May 20, 2021
972
Can the wife file for maintenance in the UAE after judgement in home country? 0
My wife and I are non-Muslims. Divorce was settled in our home country court which decided that I am the custodian of the children and no alimony has to be paid to her.
Children are living with me here in the UAE. However, she still resides here in the UAE using a tourist visa. She is planning to file a Maintenance Case against me in the UAE Family Court.
Can she do that?
Am I obliged to pay her alimony?
Dec 7, 2020
1392
ماذا بعد الحصول على حكم في قضية عمالية؟ 0
فصلتني الشركة فصلاً تعسفيًا وقمت بمقاضاة الشركة والحمد لله حصلت على حكم بمستحقاتي المالية من رواتب متأخرة ومكافأة نهاية الخدمة.
تقدمت بطلب تنفيذ ولم تدفع الشركة لي أي مبالغ حتى الآن!
ما الخطوة الواجب فعلها في هذه الحالة؟
Oct 8, 2020
566
Cancellation of an off-plan property and seeking refund 0
Hello
I bought an off-plan apartment with a developer, paid half and the other half was supposed to be paid on receiving the apartment which was supposed to be received end of 2019.
But they postponed it till March 2020, and now the project is way behind and no improvement at all as I'm in phase 2 and they are still building phase one.
What can I do to get my money back?
Sep 26, 2020
686

Premium
Other answers by
86 86 answers •
View allLabour rights for terminating a limited contract by the employer 0
Dear Sir,
My company made my position redundant due to the Coronavirus effect. I am under a limited contract.
With the end of service, they gave me one month notice period. Is it right or it should be 3 months?
Please clarify
Apr 12, 2020
608
Early termination of a tenancy contract when the landlord is not responsive 0
I want to early terminate my tenancy contract of one of my nurseries in JLT (retail unit) as the business is completely shut since March. I am unable to contact my landlord who is a Chinese national; he does not reply to email or call and may not be in Dubai.
The final cheque is due 01 May 2020, what should I do?
Apr 9, 2020
1413
Consequences of leaving the UAE without canceling the employment contract 0
I have been in Dubai 2 years ago. I left the country before the end of my contract with a hotel. I resigned after 4 months, they asked me to pay AED 5000 penalty.
Instead of paying the penalty, I just left and got back to my country. Am I banned? Will I be able to work in Dubai in the future?
Apr 19, 2020
1432
Deducting housing allowance from end of service gratuity upon resignation 0
I have resigned from my current job and my last day is May 9th after a notice period of 2 months. I was employed for 4 years.
My employer has paid me a full year housing allowance and would like to deduct the remaining months from my end of service. Is this allowed? I have not been made aware that the amount would be deducted in case I resign.
Also, I am entitled to 30 days of leave per year. Since I have resigned, they have applied a pro-rata for this year for the end of service calculation. Is this allowed?
Shouldn't I be compensated for the 30 days that I have not taken?
Thank you!
Apr 9, 2020
3236
Forcing employees to take unpaid leaves due to COVID-19 0
My company has placed all of the employees on unpaid leave due to the COVID-19 situation.
Can they legally do this without even paying our basic salary or expenses?
Apr 5, 2020
891
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