Questions & Answers
Questions & Answers
5 available 5 • View allRight of the bank to hold EOSB against credit card debts
0
Q: I got my EOSB but my bank holds the amount due to credit card outstanding. How will I arrange this one if I already left the UAE for good?
Thank you

Jul 24, 2019
1166
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
The right of the bank to freeze account and EOSB against a loan
0
Q: The bank had held my account 20 days in advance of my EOSB After I got my new visa and salary letter within the UAE.
The bank had unfrozen the account but blocked the full amount of EOSB and asked me to provide a confirmation letter, which I feel is totally wrong.
My loan amount is even half of my EOSB. Can I approach the banking court of the UAE about freezing the account and holding my EOSB?

Jan 29, 2019
3834
Can the bank hold my EOSB after submitting all the documents for the new job?
0
Q: Hello,
My EOSB from my previous employer was credited and kept on hold by my bank, though my new employment documents were updated within the timeframe.
Still, the gratuity amount was adjusted to the loan without my consent.
Is it legal to do so?
In addition to the above, instead of adjusting the amount from my gratuity, they deducted it from my available funds which I have access to without informing me.
R.

Mar 8, 2024
272
Can a bank freeze an account without any notice or communication?




2
Q: Dear Sir/Madam,
Can the bank freeze/restrict my account without any notice or communication?
Even when I reached out for the reason, they didn’t respond.
P.S. I don't have a loan, I don't have credit cards, I haven't changed jobs, and I've had the account since 2021 with almost identical transactions for the past three years.





Apr 3, 2024
349
Laws & Regulations
3 available 3 • View allFederal Law No. (8) of 1980 Concerning the Regulation of Labor Relations 53
The provisions of this Law, known as "UAE Labour Law", govern the relationship between employers and employees and other labour matters in the United Arab Emirates. There are special labour related regulations applicable in some of the free zones in the UAE.
Apr 20, 1980
103598
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
148357
Federal Decree-Law No. (33) of 2021 On the Regulation of Labor Relations 34
The provisions of this Decree-Law, known as "New UAE Labor Law", govern labour relations in the private sector of the United Arab Emirates. The New Labor Law repeals the previous UAE Labor Law (Federal Law No. (8) of 1980).
Sep 20, 2021
26372

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
151
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
219
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
1079
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
604
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
621

Premium
Other answers by
173 173 answers •
View allIs there hope for bail in a 25-year sentence for a minor drug charge? 0
Dear Lawyers,
My brother was sentenced to 25 years in jail for a minor drug case (1 gram) on October 24, 2024. Can he get bail?
What will happen next, and what can I do to help him get released?
Kindly advise!
Nov 12, 2024
164
If you had a case for defaulting on a loan and resolved it, how to clear it from the database? 0
Hello,
I have a question.
My husband had a loan 15 years ago, he had difficulty paying this loan, and the bank opened a case, which was solved, and he paid the full loan.
He is still in Dubai and has a good work position.
How is it possible to remove the solved bank case from the database to have the possibility of getting the credit card and loan?
Thank you.
Sep 16, 2024
85
How can I inform authorities I signed a police statement I didn't understand? 0
Good Day,
As someone unfamiliar with local laws and a non-Arabic speaker, the police took my statement but did not provide a translation and told me to sign. I have no idea what they wrote or presented in the case.
The case is now with the Public Prosecution. What should I do to ensure the authorities are aware of this?
Sep 5, 2024
88
Can I bail my husband out if I'm a visitor and provide my passport? 0
Dear Lawyers,
My husband is under investigation, and I want to get him bailed out from detention.
However, I am a visitor. Can I get him bail by providing my passport?
Aug 29, 2024
108
How can I file for divorce in the UAE as an Indian Christian with a son, and ensure custody? 0
Hi, good morning,
I’m an Indian residing in the UAE and want to apply for a divorce. My husband and I have been living separately for more than 3 years, and he has been living in India since our separation.
We are both Indians and Christians (non-Muslims). We have a son who is 8 years old now. Can you please let me know the divorce procedure if we want to proceed in the UAE, both with and without mutual consent?
Additionally, please advise on how to proceed with custody, as my son currently resides with me.
Thank you!
Aug 28, 2024
138
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